Guizhou Student Source Credit Student Loan Network can answer unlimited questions, whether you pass or not, as long as you want to answer, the highest score. Examination management has two aspects: entrance examination and examination history. It is said that someone in Zunyi has asked, and your failure to answer will not affect the loan. At the beginning of school, the school will organize loan students to answer questions, and then the problem will be solved.
2. 20 19, the complete version of the answer sheet of the credit student loan for students from Guizhou province.
The integrity network test paper of graduate students with student loans from Guizhou Branch of China Development Bank.
One, a single choice question (65438+ 0 points for each question, ***40 points) This big question * * * answers 37 questions correctly and gets 37 points.
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. At present, personal credit reports are mainly used to (a) help commercial banks and other institutions to fully understand personal credit status; (b) provide decision-making reference for customers to choose trading partners; (c) provide decision-making reference for customers to deal with overdue accounts; and (d) provide decision-making reference for customers to deal with the economy.
correct
Question 3. 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.
correct
Question 4, () refers to the individual's objection to the wrong information in the credit report, which has not been satisfactorily resolved through normal procedures. They can propose to protect their personal rights and interests A, B, C, D and judicial relief through legal means.
Wrong, correct answer: D.
Question 5. Personal credit information is composed of (). As long as individuals who have opened settlement accounts in commercial banks or have had credit transactions with banks, they have all joined the basic database of personal credit information. A, B are applied by commercial banks, C are voluntarily applied by individuals, and collected by credit reporting agencies, and individuals do not need to apply for D. None of the above is correct.
correct
Question 6. Zhang San is now a sophomore majoring in clinical medicine in Guiyang Medical College (five-year undergraduate, about to graduate). His family is poor and meets the requirements for applying for a student loan from the Development Bank. The following statements are correct: (a) A. The longest loan term is 13B, and the shortest loan term is 7 years c. Zhang San applied for a loan of 12 years, and applied in June 5438+September. 65438+February 20, principal repayment. D. Zhang San applies for a loan 12, and pays interest from September 1 day, and repays the principal on February 20 17.
correct
Question 7. 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 8. How can I know the details of my student credit loan? () A, online student loan system of China Development Bank B, Alipay website C, and student financial aid centers D, A or C that accept loans.
correct
Question 9. The following behaviors are good habits of credit card consumption: (1) Cancel the credit card immediately after the annual fee owed by the credit card leads to a negative record in the credit report; (b) There is an idle bank card in the wallet for a long time; (3) Failing to report the loss in time after the credit card is lost or stolen; (d) Enable the SMS function and learn the amount and date to be returned from the SMS bill.
correct
Question 10. Except (), a commercial bank must obtain the written authorization of the inquired person to inquire about the personal credit report. A) review personal loan applications. B) Review personal credit card and quasi-credit card applications. C) Examining individual applications as guarantors. D) Post-lending risk management.
correct
Question 1 1. The application date for early repayment of student loans (including college student loans and student-origin student loans) of China Development Bank is 20 days before () a,/kloc-0 1- 10/0, except for b, 10/-65438.
correct
Question 12. 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 13. 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? () A, the real estate agent undertakes B, but none of them undertakes C, and the original owner undertakes it, but they can bring a lawsuit to the relevant parties who have adverse effects on personal credit records respectively. D. If the judicial department determines that it is not its own responsibility, it can ask the relevant financial institutions to modify the credit information.
correct
Question 14. 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 15. Overdue credit information refers to () A. Relevant information generated when an individual has a credit relationship with the bank and fails to repay the due amount on time. B. Relevant information generated by individual's failure to repay the due amount on time when borrowing. C. Relevant information generated when an individual fails to repay the credit card in full and on time at the bank. D. none of the above is correct.
correct
Question 16. Positive information refers to the credit transactions you obtained in the past and the information you normally performed in the credit transactions. Simply put, it is the information that you borrowed money and () A, that you paid back B on time, that you paid back C, and that you didn't pay back D on time. These are all incorrect.
correct
Question 17. 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 18. The due repayment date of college students' loans is () a, the last loan term is 1, the last loan term is 1, the last loan term is 1, the last loan term is 3 1, and the last loan term is d.
correct
Question 19. 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 20. The national student loan in the place of origin 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 student loans and repayment, student repayment date b, loan issuance date c, student repayment date d, loan application date and other related information to personal credit basic information database A.
correct
Question 2 1. To inquire about personal credit report, you should fill in () A, resume B, personal bank credit C, personal credit report, personal inquiry application form D and personal income.
correct
Question 22. Regarding the application for prepayment, the following statements are correct: (a) The application 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 done through the agent bank mode, and students cannot repay in advance through Alipay.
Wrong, correct answer: B.
Question 23. Why is the overdue record still in the credit report after the debt has been paid off? () A. System program error B. System operator did not delete C. Business operator error D. In order to truly and objectively reflect personal credit status, personal credit report should reflect not only the current situation of personal credit transactions, but also the historical situation of their credit transactions. Therefore, even if the arrears are repaid, the overdue records will remain in the credit report for a period of time.
correct
Question 24. 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.
Wrong, correct answer: B.
Question 25, 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 26. If individuals have different opinions on the information in their credit report, they can raise them with the credit reporting agency, which will handle them according to the procedures. This is () A, the right to know B, the right to dissent C, the right to correct mistakes D, and the right to judicial relief owned by individuals who are the subjects of credit investigation and data.
correct
Question 27. At present, the limited number of personal credit report inquiries is () a, 1 B, 2 C, 3 D, unlimited.
correct
Question 28. 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 29: 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 () A, direct B, oral C, written authorization D and telephone consent of the inquired person.
correct
Question 30. 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 3 1. 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 32. 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 33. The maximum and minimum amount of student-origin credit student loan is accurately expressed as () A, 8000; 1000B、6000； 500C、6000； 1000D、8000； 500
correct
Question 34. You can check personal credit report A, my account B, my region C, my province D and all parts of the country at ().
correct
Question 35: 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.
correct
Question 36. 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 37. In 2009, Zhang San applied for a student credit loan of 5,000 yuan, and the 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 38, 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 39: 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 40. 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
Second, multiple-choice questions (2 points for each question, * * * 40 points) This big question * * answers correctly 15 questions, and gets 30 points.
Question 1. The following are contract changes () A. Account information changes in Alipay mode B. School information changes.
C. Change of identity information D. Change of contract repayment plan
Wrong, correct answer: b, c, D C, d.
Question 2: The Development Bank and the Student Financial Assistance Center will regularly call and send short messages to loan students, inform them of important notices and make repayment reminders. In order to ensure timely notification, in case of any of the following circumstances (), loan students should notify the Student Loan Assistance Center in writing within 20 working days, and log in to the student online service system to change their personal information. A, the student's home address, mailing address, telephone number, work unit changes. B. Unemployment, serious diseases and accidents occur to the loan students.
C. Loan students to drop out of school, be expelled from school, go abroad, etc. D. The domicile and residence of the loan student and the borrower who moves out.
correct
Question 3. The basic database of personal credit information has covered all credit outlets of banking financial institutions in China, including () and some housing provident fund management centers, microfinance companies and auto financing companies. A. Policy banks B. National commercial banks.
C. Local commercial banks, rural credit cooperatives and finance companies
correct
Question 4. If there is any error in the personal credit report, you can report the error information through channel () and ask for verification and correction. A. You or the client report to the credit management department of the local branch of the People's Bank of China. B. report directly to the credit information center.
C, you can entrust the agency of the commercial bank directly involved in the wrong information to reflect D, and bring a lawsuit to protect your rights and interests through legal means.
Wrong, correct answer: a, b, c, d.
Question 5. If the ID card is stolen without my knowledge, the individual should () a. Report the case to the public security organ as soon as possible. B. Immediately publish a statement that the ID card is invalid.
C. Inquire about the personal credit report, and object to the information record of the stolen ID card. D. Report the case to the credit reporting agency immediately.
Wrong, correct answer: a, c
Question 6. The following statements about student loan for college students are correct: (a) Only students from provinces that have not carried out student source credit student loan can apply for student loan; And (b) the maximum application amount for college student loans is 6000 yuan.
C. Borrowers are required for college students' loans. D. Borrowers and guarantors are not required for college students' loans.
Wrong, correct answer: a, b, D B, d.
Question 7. Individuals can take the following measures to prevent personal identity from being stolen: (1) Keep all kinds of valid identity documents (including ID cards, military officers' cards, household registration books, police officers' cards, civil servants' cards, student cards, passports, etc.). ) and its copy. B) When providing a copy of ID card to others, it is best to indicate the purpose where the copy of ID card has words, and add the sentence "Copy is invalid".
C. Check the personal credit report regularly and pay attention to your credit record. D. Once identity theft is found, report it to the public security organ immediately.
correct
Question 8. The basic database of personal credit information is a national unified platform for sharing personal credit information, which can provide credit information services to (a), commercial banks (b) and individuals according to law.
C. Relevant government departments D. Other statutory purposes
correct
Question 9. After a credit transaction, individuals should (a) always pay attention to the repayment date; b) strengthen contact with relevant business personnel such as loan officers of financial institutions.
C. repay the loan principal and interest or credit card overdraft on time, and read Contract D carefully. When the credit card and mobile phone number are deactivated, they should go through the formalities of deactivation or cancellation at the relevant departments in time.
correct
Question 10. What business should a commercial bank handle when inquiring about a personal credit report and obtain the written authorization of the inquired person? () A. Review personal loan applications B. Review personal credit card and quasi-credit card applications.
C. review the individual as guarantor D. manage the post-loan risk of personal credit that has been issued.
correct
Question 1 1. If the student fails to repay the student loan on time and is in arrears for a long time, what adverse effects will be brought to the future work and life of the defaulting student after the default information is loaded into the personal credit information system of the People's Bank of China for many times? () A, affecting the admission and going abroad of civil servants; B, directly restrict students who borrow money to take home loans and car loans with borrowers.
C. Directly restrict the borrowing students and * * from opening credit cards with borrowers, and directly restrict the borrowing students and * * * from enjoying the application and use of financial products of almost all financial institutions related to borrowers.
correct
Question 12. Which of the following circumstances is overdue and will be recorded in the credit report: () A. Repayment is one or two days later than the due repayment date. B. After the due repayment date, the bank staff urges the payment, and the customer pays off the debt.
C. The customer has repaid the loan before the due date, but the specific amount to be repaid is unclear. D. The customer has repaid the loan in full before the due date.
correct
Question 13: 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: (1) Report the default information to the credit information system of the People's Bank of China and load it into the personal credit report; (two) in the news media, the Internet and other information channels, such as name, ID number, graduation school, breach of contract and other information.
C, notify the defaulting student employment unit to breach the contract; D. Provide the borrower's default information to the National Student Financial Assistance Management Center.
correct
Question14,2010, Li Si was admitted to Guizhou University of Finance and Economics with a four-year schooling and graduated. Li Si applied to the Development Bank for a student loan of 6,000 yuan on August 5, 20 10 with a term of 10. The following statement is incorrect: (1) The loan of Party A and Li Si expires on August 365,438+0, 2065,438+0, 2007, and the principal of Party B and Li Si can be repaid at the maturity date of 6,000 yuan.
C. From September 1, Li Si needs to pay the interest himself; On February 20th, 65438, Li Si repaid the principal of 3000 yuan for the first time. D. If Li thinks about going to a three-year graduate student majoring in finance in Guizhou University, he can go to the county student financial assistance management center to change the contract plan, and the repayment period can be extended to 2020.
correct
Question 15. Regarding loan extension and credit record, the correct statement is () A. Loan extension does not affect personal credit record B. Loan extension affects personal credit record, and the "special transaction" part of personal credit report will have extension information.
C. The loan extension information must be negative. D. The loan extension information is not necessarily negative.
correct
Question 16. The purpose of establishing personal credit information system is (a) to improve the risk management ability and credit management efficiency of commercial banks, to prevent credit risks, and (b) to promote the healthy development of personal consumer credit.
C, provide services for financial supervision and monetary policy D, help individuals accumulate credit wealth and facilitate personal lending.
correct
Question 17. In order to make the basic database of personal credit information record personal information more comprehensively and accurately, we can start from the following aspects: (1) Fill in personal information accurately and completely when handling bank loans, credit cards and other businesses. B) Notify the bank of changes in basic information.
C, care about your credit record, take the initiative to query the credit report, and achieve "know fairly well". D. If any error is found in the credit report, contact the Credit Information Center of the People's Bank of China and the Credit Information Management Department of the branches of the People's Bank of China in time to correct the error in time.
correct
Question 18. Among the following statements about * * * being the same as the borrower, () A and * * * being the same as the borrower should be the borrower's father or mother B in principle. If the borrower's parents lose their ability to work or have civil capacity due to special circumstances such as disability or illness, other immediate family members of the borrower may be regarded as borrowers. If you are an orphan, you can be regarded as a borrower by orphanage, civil affairs bureau and other staff.
C * * * The borrower's household registration and the student's household registration before entering school are in the county (city, district). d * * * If the borrower is not the borrower's parents, he must be between 25 and 60 years old.
correct
Question 19. Regarding the development of the online system for student loans of banks, the following statement is correct: (a) Students can apply for loans directly on the online system without going to the county student financial assistance management center for on-site handling. B. Students can log on to the online system to inquire about the repayment plan.
C, students can log on to the online system to modify personal information, and the modification can only take effect after being confirmed by the manager of the county student financial assistance management center. D, students can log on to the online system to receive the information released by the county student financial assistance management center.
Wrong, correct answer: b, c, D C, d.
Question 20. In the personal credit report, there are () A, unpaid tax information B and default information.
C, default phone bill information D, loans overdue repayment
correct
Four. True or false (65438+ 0 for each question, * * * 20 for each question) This big question was * * correctly answered 17, and scored 17.
Question 1. Students from provinces that have started student-origin student loans can also apply for college student loans at schools. Right or wrong?
correct
Question 2: The student-origin credit student loan cannot be extended, only the discount extension procedure is right or wrong.
Wrong, correct answer: Yes.
Question 3. The retention period of negative records is counted from the date when the loan is paid off, and it is right or wrong to keep a certain period.
correct
Question 4. In credit activities, we should follow the principle of "no evidence in words, no evidence in words".
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. I can raise an objection to the Credit Management Department of the People's Bank of China and apply for right or wrong.
Wrong, the correct answer: wrong.
Question 6. Credit investigation is developed to meet the needs of modern economy. right and wrong
correct
Question 7. Is there a limit on the number of inquiries about personal credit reports?
correct
Question 8. Overdue means that the repayment has not been fully paid off before the deadline of repayment date. Right or wrong?
correct
Question 9. The credit report does not distinguish between "goodwill" arrears and "malicious" arrears.
Wrong, correct answer: Yes.
Question 10. Is the national student loan information right or wrong in the collection scope of the basic database of personal credit information?
correct
Question 1 1. Interest paid a few days late will not be recorded in the personal credit report.
correct
Question 12. Students with college loans must be admitted to higher education in the year of graduation.
correct
Question 13. Personal credit information is sensitive information generated by individuals in economic activities, which involves personal privacy and cannot be unconditionally right or wrong like public products.
correct
Question 14. Doctoral students can also apply for credit student loans from the development bank. Right or wrong?
correct
Question 15: 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.
correct
Question 16. No loans.