Online Q&A on the Credit Student Loan of Guizhou Province

Question 1. Student-origin credit student loans are mainly used for (a), tuition b, accommodation c, tuition and accommodation d, tuition, accommodation and living expenses.

correct

Question 2. The most important information in the basic database of personal credit information is () a, transaction information between individuals b, credit transaction information between individuals and banks c, personal identity information d and housing provident fund loan information.

Wrong, correct answer: B.

Question 3. When evaluating a person's credit status, it is usually based on the person's past credit behavior records. The following information does not belong to the credit behavior record: (a) personal past loan repayment record b, credit card use record c, personal guarantee record d and remittance record.

correct

Question 4. At present, the number of personal credit report inquiries is limited to () a, 1 B, 2 C, 3 D, and there is no limit.

correct

Question 5. My friend used my ID card to borrow money from the bank but didn't pay it back. Relevant information is recorded in my credit report. Can I raise an objection? () A, B, C, D under special circumstances, and later.

correct

Question 6. The overdue repayment dates of student-origin student loans (including student-origin student loans in colleges and universities) of China Development Bank are () a, 65438+ 10, 15 c, and the 20th of each month except 165438+ 10.

Wrong, correct answer: C.

Question 7. Is it a negative message that credit cards only pay the minimum amount on time? () A, counting B, not counting C, was listed as D after 30 days, but not listed as D after the grace period.

correct

Question 8. The biggest advantage of personal credit report is to accumulate () for individuals, which is convenient for individuals to handle credit business A, credit wealth B, knowledge wealth C, money D and reputation.

correct

Question 9. According to the Interim Measures for the Management of Basic Database of Personal Credit Information, all commercial banks, whether Chinese-funded financial institutions or foreign-funded financial institutions, should submit relevant information to () as long as they are engaged in personal credit business in China. A. enterprise credit database b, China people's bank c, personal credit information database d, and head offices of commercial banks.

correct

Question 10. The following statements about the development bank's student-origin credit student loan are correct: (a) the student-origin credit student loan is a credit loan; Orphans can apply for student loans without providing co-borrower C; Maximum loan term 14 years; The minimum loan period is 7 years; And the loan amount is 0-6000 yuan.

Wrong, correct answer: A.

Question 1 1. What should I do if I miss personal credit transaction information in the credit report? () A. It is temporarily impossible to modify B and C. You can apply for objection handling through the local credit management department of the People's Bank of China. The credit management department of the People's Bank of China or the credit information center requires commercial banks and other institutions to supplement the credit transaction information missing in D, and you can apply to financial institutions for modification.

correct

Question 12. To inquire about personal credit report, you should fill in () A, resume B, personal bank credit C, personal credit report, application form D and personal income.

correct

Question 13. Regarding the application for prepayment, the following statements are correct: (1) Applying for prepayment can be divided into one-time repayment and partial repayment; (b) Borrowing students can submit an application for prepayment through the student online system; (c) Students need to submit an application for advance payment to the county student financial assistance management center; (d) If the loan issued before d)20 10/0 needs to be repaid in advance, it can only be repaid through the agent bank mode, and students cannot repay in advance through Alipay.

correct

Question 14. The conditions for others to check your credit report are () A, financial institutions agree B, local governments approve C, I authorize D, and it is unnecessary.

correct

Question 15. According to the relevant provisions of the Guarantee Law of People's Republic of China (PRC), once the borrower fails to fulfill the repayment obligation, the bank may require the guarantor to fulfill the guarantee obligation and repay the loan instead of the borrower. A. assume joint and several liability; B. take part in the responsibility; C. assume joint and several liability; D. take full responsibility.

Wrong, correct answer: A.

Question 16. When you have different opinions on the credit report, to which departments can you apply for objection? () A. Check the situation with the data reporting agency that has business dealings with you and settle it through consultation, or apply for an objection to the Credit Management Department of the People's Bank of China. B. Apply for objection to the agency of China Banking Regulatory Commission. C. file an objection application with the relevant departments of the local government. D. apply for an objection to the local bank.

correct

Question 17. The longest and shortest terms of student-origin credit loan are () a, 14, 7B, 14, 6C, 14, 5D and 13, 6 respectively.

Wrong, correct answer: B.

Question 18. Negative information refers to the information in your past credit transactions (), that is, default information A, loan repayment B, failure to repay the loan in full and on time, payment of various fees C, various fees D, various loans and payment fees.

correct

Question 19. Which of the following functions does the online student loan system of the Development Bank have () a. Apply for prepayment b. Send a message to the county student financial assistance management center c. Apply for a loan online d. Modify personal information.

correct

Question 20. In 2009, Zhang San applied for a student credit loan of 5,000 yuan, and his account was an agricultural bank card. 20 10 applied for a student source credit loan of 6000 yuan, and the account was AliPay. After graduation, Zhang San applied for early repayment. Should money be saved? () A. In 2009, the loan was deposited in the agricultural bank card account, and in 20 10, the loan was deposited in Alipay account B. In 2009 and 20 10, the loan was deposited in Alipay account C. In 2009 and 20 10, the loan was deposited in the agricultural bank card account D. You can choose to deposit it in the agricultural bank card account or Alipay account.

correct

Question 2 1. When inquiring about personal credit report, commercial banks should not only manage the post-loan risk of personal credit that has been issued, but also obtain the () A, direct B, oral C, written authorization D and telephone consent of the inquired person.

correct

Question 22. To inquire about personal credit report, you should provide (a) information, the original and photocopy of my valid ID card, my company certificate, my company certificate and personal loan contract.

correct

Question 23, 1. The following descriptions of individuals' obligations in credit investigation activities are wrong: (a) providing correct personal basic information; (b) updating their own information; (c) repaying bank loans in advance; and (d) caring about their credit records.

correct

Question 24. () refers to the individual's objection to the wrong information in the credit report, and it has not been satisfactorily resolved through normal procedures. He can appeal to the court and use legal means to safeguard his personal rights and interests A, B, C, D and judicial relief.

correct

Question 25. The basic database of personal credit information has covered (1) credit outlets, including policy banks, national commercial banks, local commercial banks, rural credit cooperatives, finance companies, some housing provident fund management centers, microfinance companies and auto finance companies. A, some financial institutions b, national banking financial institutions at all levels c, national financial institutions at or above the second level d, and national banking financial institutions at or above the third level.

correct

Question 26. The longest and shortest term of student-origin credit loan is () a, 14, 7B, 14, 6C, 14, 5D, 13, 6 respectively.

Wrong, correct answer: B.

Question 27. After you move, especially after you move into a newly bought second-hand house, you must remember to go to the water, electricity and gas company () to change the name and contact information of the user of the water, electricity and gas bill, that is, the owner of the house. Otherwise, the credit information in the basic database of personal credit information may be ignored, causing unnecessary trouble. A, record b, register c, explain d, change.

Wrong, correct answer: D.

Question 28. The repayment date of the student-origin credit student loan is () a, the loan term is 1 year, 1 day, b, August 3 1 year, c, September 20, 1 year, and 65438+ years.

correct

Question 29. What benefits can good credit bring? As long as you have good credit, you can get a loan from a commercial bank immediately. B, as long as you have good credit, you may get preferential treatment in terms of loan interest rate, term and amount. C, as long as you have good credit, you can definitely enjoy low-interest loans from commercial banks. D. As long as you have good credit, you can definitely enjoy low-interest loans from commercial banks.

correct

Question 30: Zhang San applied for a student source credit loan of 6,000 yuan, and the tuition fee was 5,800 yuan, but he owed the school accommodation fee 1200 yuan. After the loan is issued, () yuan will be remitted to the school account, and () yuan will be remitted to your own loan account. () a, 7000, 0B, 5800, 200C and 6000, 0D.

correct

Question 3 1. The prepayment dates of student loans from China Development Bank (including student loans and student-origin student loans) are () a, 65438+ 10/5 b, July 15 c, 20th of each month, except165438+/kloc-

correct

Question 32. Overdue credit information refers to (a) information that an individual fails to repay the due amount in full and on time when he has a credit relationship with a bank; (b) Information about the individual's failure to repay the due amount on time when borrowing; (c) Information about the individual's failure to repay the due amount in full and on time when applying for a credit card at the bank; And (d) none of the above information is correct.

correct

Question 33: If the loan student fails to repay the loan principal on time, the Development Bank will collect the penalty interest according to the overdue principal amount and the overdue days, with the penalty interest rates of () a, 130%B, 150%C, 160%D and 200% of the loan interest under this contract.

Wrong, correct answer: A.

Question 34: The repayment date of college students' loans is () a, the loan term is 65438+ 10/b, and the loan term is August 31c. The specific time of each loan in the repayment confirmation letter is subject to D, and the loan term is1b.

correct

Question 35. Negative information such as overdue repayment is not always recorded in personal credit report. According to international practice, most negative records are kept for () a, 7 years b, 3 years c, 5 years d and 5-7 years.

correct

Question 36, 1. The following statement about "the difference between 1 day overdue and 180-day overdue" is correct: (a) whether it is 1 day overdue or 180-day overdue, it will be the same as the entity's current credit report, and commercial banks will generally have great differences in judging risks; B) It will be as if the entity is in the credit report, but there is no difference between the risk judgment and the commercial bank. C whether 1 day is overdue or 180 days is overdue, it will be listed as a bad record as the entity in the credit report. D. none of the above is correct.

correct

Question 37. Will the interest paid a few days late be recorded in the personal credit report? () A, with B and without C, different banks handle different D, and different regions handle it differently.

correct

Question 38. The application date for prepayment of student loans from China Development Bank (including student loans from colleges and universities and student origin loans) is () a,1before October 20th 1- 1, b,1October1-/kloc-.

correct

Question 39. The annual interest payment dates of student-origin student loans (including student-origin student loans and student-origin student loans) of China Development Bank are () a, 65438+ 10/5 b, 15 c, 20d and February 20th.

correct

Question 40: Student-origin national student loan is a personal credit loan issued by commercial banks and other financial institutions to college students with financial difficulties in their families according to national policies. Since (), commercial banks and other financial institutions have submitted relevant information such as student loans and repayment, student repayment date B, loan issuance date C, student repayment date D, and loan application date to personal credit basic information database A..

correct

Online Q&A on the Credit Student Loan of Guizhou Province

Question 1. When entrusting others to inquire about my credit report, the following materials are not required: (d)

Question 2. At present, the limited number of personal credit report inquiries is (D).

Question 3. When inquiring about personal credit reports, commercial banks should not only manage the post-loan risk of personal credit that has been issued, but also obtain the (c) of the inquired person.

Question 4. Among the following behaviors, (d) is a good habit of credit card consumption.

Question 5. Personal identity information shown in personal credit report is the latest similar information reported by commercial banks. If it is inconsistent with the current actual situation, you should change the customer information at () commercial bank in time to ensure the timeliness and accuracy of the identity information in the personal credit report. (3)

Question 6. At present, personal credit reports are mainly used for (a).

Question 7. Zhang San applied for a student-origin credit loan of 6,000 yuan, with a tuition fee of 5,800 yuan, but owed 1.200 for school accommodation. After the loan is issued, () yuan will be remitted to the school account, and () yuan will be remitted to your own loan account. (3)

Question 8. When evaluating a person's credit status, it is usually based on the person's past credit behavior records. Among the following information, (d) does not belong to the credit behavior record.

Question 9. The maximum and minimum amount of student-origin credit student loans are accurately listed in item (c).

Question 10. The overdue repayment date of student-origin student loan (including college student loan and student-origin student loan) of China Development Bank is (C).

Question 1 1. If you have different opinions on the credit report, where can you apply for an objection? answer

Question 12. What should I do if I miss personal credit transaction information in the credit report? (3)

Question 13. What benefits can good credit bring? (2)

Question 14. Except item (4), the written consent of the inquired person is not required, and the commercial bank must obtain the written authorization of the inquired person to inquire about the personal credit report.

Question 15. Is it a negative message that credit cards only pay the minimum amount on time? (2)

Question 16. Which of the following functions (b) does the student online system of the development bank student loan system have?

Question 17. Student credit loans are mainly used for (c).

Question 18. Why is the overdue record still in the credit report after the debt has been paid off? (4)

Question 19. The basic database of personal credit information has covered (b) credit outlets, including policy banks, national commercial banks, local commercial banks, rural credit cooperatives, finance companies, some housing provident fund management centers, microfinance companies and auto finance companies.

Question 20, (d) means that if an individual disagrees with the wrong information in the credit report and it has not been satisfactorily resolved through normal procedures, he can bring a lawsuit to the court to protect his rights and interests through legal means.

Question 2 1. Information (a) should be provided when inquiring about personal credit report.

Question 22. The condition for others to check your credit report is (c).

Question 23. The biggest advantage of personal credit report is to accumulate for individuals (1).

Question 24, (c) means that individuals have the right to ask data reporting agencies and credit reporting agencies to correct the wrong information recorded and confirmed in personal credit reports.

Question 25. My friend used my ID card to borrow money from the bank but didn't pay it back. Relevant information is recorded in my credit report. Can I raise an objection? (2)

Question 26. After buying a house with a personal mortgage loan, I sold the house without going to the bank to apply for a mortgage loan. Later, the owner failed to repay the loan on time, resulting in overdue records in the personal credit report. Who will bear the responsibility? (3)

Question 27. What should I do if I forget to generate the Alipay account password when applying for the student-origin credit student loan? (1)

Question 28. According to the Interim Measures for the Administration of Basic Database of Personal Credit Information, all commercial banks, whether Chinese-funded financial institutions or foreign-funded financial institutions, should submit relevant information to (c) as long as they are engaged in personal credit business in China.

Question 29. The way to use the credit report can be (a)

Question 30. Personal credit report is published by ().

Question 3 1. The annual interest payment date of student loans from China Development Bank (including college student loans and student-origin student loans) is (D).

Question 32. The repayment date of the college student loan is (C).

Question 33, 1. Regarding "the difference between overdue 1 day and overdue 180 days", the following statement is correct: (a)

Question 34. The prepayment date of student loans from China Development Bank (including student loans and student loans from students) is (D).

Question 35. The application date for prepayment of student loans from China Development Bank (including student loans and student-origin student loans) is (b).

Question 36: If the loan student fails to repay the loan principal on time, the Development Bank will charge a penalty interest according to the overdue principal amount and overdue days, and the penalty interest rate is (a) of the loan interest under this contract.

Question 37. Negative information such as overdue repayment is not always recorded in personal credit report. According to international practice, most negative records are kept for (D).

Question 38. Overdue credit information refers to (1)

Question 39. Will the interest paid a few days late be recorded in the personal credit report? Answer ()

Question 40: Collecting national student loans is a personal credit loan issued by commercial banks and other financial institutions to college students with financial difficulties according to national policies. Starting from (b), commercial banks and other financial institutions submit relevant information such as student loans and repayment to the basic database of personal credit information.

Second, multiple-choice questions (2 points for each question, a total of 40 points) This big question answers 20 questions correctly and gets 40 points.

Question 1. What business should a commercial bank handle when inquiring about a personal credit report and obtain the written authorization of the inquired person? (ABC)

Question 2. Where can I know the account number of my student credit loan? (AB)

Question 3. Who has a credit report (AB)?

Question 4. Which of the following options is prone to negative record ABCD ()?

Question 5. In order to fully reflect your credit status, the basic database of personal credit information collects some information that can prove your credit status, including (ABCD).

Question 6. Personal credit report is inquired (ABCD) for the following reasons.

Question 7. The main way for an individual to establish a credit record is to have a credit business relationship with a bank, which mainly includes. (ABCD)

Question 8. Personal credit information mainly includes (ABCD)

Question 9: At 2065438+00, Li Si was admitted to Guizhou University of Finance and Economics with a four-year schooling and graduated. 20 10 On August 5th, Li Si applied to the Development Bank for a student loan of 6,000 yuan with a term of 10. The following statement is incorrect (ABD).

Question 10. Commercial banks can query personal credit report (ABCD) from the basic database of personal credit information and handle the following businesses.

Question 1 1. In order to cultivate good consciousness and habits in daily life, what aspects can individuals start with ABCD?

Question 12. The correct expression of "overdue total in this period" is ABCD ()

Question 13. What should I do if I have any objection to personal basic information such as name, gender and household registration address? (ABC)

Question 14. When a student who borrows a national student loan fails to repay the loan on time or maliciously defaults on the loan, the student financial assistance management centers at all levels have the right to take the following measures (ABCD).

Question 15. The following statement about college student loans is true (ABD)

Question 16. Of the following statements about co-borrower, ABCD is correct.

Question 17. If the student fails to repay the student loan on time, is in arrears for a long time, and the information of default is loaded into the personal credit information system of the People's Bank of China for many times, what adverse effects will the defaulting student have on his future work and life? (ABCD)

Question 18. In the personal credit report, ABCD () shows negative information.

Question 19. Which of the following circumstances will be recorded in the credit report: (ABC)

Question 20. Regarding the loan extension and credit history, the correct statement is (BD).

Three. True or false (65438+ 0 for each question, a total of 20 points) This big question got 20 questions correctly and got 20 points.

Question 1. If you forget the password of Alipay, you can reset it through the Student Financial Assistance Center or China Development Bank.

Question 2. The retention period of negative records is calculated from the date when the loan is paid off and kept for a certain period.

Question 3. You can read other people's credit reports at will. wrong

Question 4. Commercial banks should consider the credit status of themselves and their spouses at the same time when reviewing personal credit status and deciding whether to lend.

Question 5. The record of arrears in Hainan will not affect the mistake of obtaining personal housing loans in Fujian Commercial Bank.

Question 6. Credit report is an individual's "economic identity card". correct

Question 7. My friend used my ID card to borrow money from the bank but didn't pay it back. Relevant information is recorded in my credit report. I can raise an objection to the Credit Management Department of the People's Bank of China, and the application is wrong.

Question 8. When SMEs apply for loans, they usually need to review the personal credit status of SME owners.

Question 9. In real life, credit rating agencies and banks complement each other.

Question 10. The maximum overdue time is the historical maximum of the current overdue time.

Question 1 1. Students from provinces that have started student source loans can also apply for college student loans at schools.

Question 12. At present, personal credit reports can be directly queried online.

Question 13. National student loan information also belongs to the collection scope of personal credit information basic database.

Question 14. Without borrowing money and using bank cards, credit is definitely good or bad.

Question 15: When students with student loans graduate, university teachers can confirm that there is no need to make mistakes in applying for student loans on the online system of China Development Bank.

Question 16: Since I have paid off the loan, the relevant information should be deleted from the basic database of personal credit information, so the personal credit information system does not collect the credit information that I have paid off.

Question 17. Paying interest a few days later will not be recorded in the personal credit report.

Question 18. Students with college student loans must be admitted to a higher education institution in the year of graduation before they can apply for a discount extension.

Question 19. Overdue means that the repayment has not been made in full by the deadline of repayment date.

Question 20. The credit report does not distinguish between "goodwill" arrears and "malicious" arrears;

2. Will Guizhou 202 1 be closed?

I'm from Guizhou, and I won't close the city. There is no relevant information in Guizhou, and the epidemic situation has been reasonably controlled. It is impossible to close the city. Don't talk nonsense

3. How many times can I answer the questions on the online student credit loan in Guizhou Province? I took the exam. ...

Search: How many times can I answer the questions on the online credit student loan for students from Guizhou Province? I entered the examination management, but it was blank. What should I do?

4.20 12 Is there any restriction for sophomores in Guizhou Province to apply for student loans for the first time?

No, as long as the students meet the following basic conditions and nationalities; (two) honest and trustworthy, law-abiding; (3) Students' household registration (before entering the university) and co-borrower (parents or other legal guardians of students are between 25 and 60 years old) are all in Wudang District; (four) full-time undergraduate colleges, higher vocational schools and junior colleges (the list of schools is freshmen and undergraduates studying in colleges and universities. Students studying in colleges and universities who have obtained national student loans in colleges and universities in that year may not apply for student loans at the same time; (five) students who enjoy the state grants for ordinary high schools (referring to freshmen admitted to colleges and universities this year); (6) Students from poor families who meet one of the following conditions: 1. Rural poor families and urban poor families; 3. Suffering from natural and man-made disasters, causing heavy losses and unable to afford the entrance fees for students; 4. Family members whose immediate family members suffer from major diseases (proof of people's hospitals at or above the county level is required); 5. Single-parent families whose main income creators set income; 7. Unemployed families in old, young, marginal, poor and remote rural areas; 9. RMB; 10. Other poor families. Second, the materials needed to apply for a loan. this year