2. The company's notice deposit refers to the deposit type in which the company's customers do not agree on the deposit period when saving money, but need to inform the bank in advance when withdrawing money, and agree on the withdrawal date and amount.
3. Among the main members of the syndicated loan, the lead bank is responsible for accepting the entrustment of the borrower, planning and organizing the syndicated loan, and arranging the loan issuance.
4. Interbank borrowing refers to short-term capital borrowing between banks and other financial institutions. Borrowed funds are called lending, and lent funds are called lending. Interbank lending rate changes with the change of capital supply and demand.
5. The sales channels of China's open-end funds are direct selling by fund companies, consignment by banks and securities companies, and consignment by professional sales brokerage companies.
6. When the supervision department conducts on-site inspection, the standardized on-site inspection includes five stages: inspection preparation, inspection implementation, inspection report, inspection processing and inspection file arrangement.
7. China stipulates that the long-term subordinated debt included in tier 2 capital shall not exceed 50% of the core capital.
8. China's central bank interest rates include refinancing rate, excess deposit reserve ratio and rediscount rate.
9. Settlement of foreign exchange means that foreign currency savings deposits and foreign currency cash held by customers are sold to banks according to the foreign exchange and cash buying prices announced by banks, and banks pay corresponding RMB.
10, the date of establishment of the company refers to the date of issuance of the company's business license.
1 1. The legal effect of an invalid contract is invalid at the time of conclusion.
12, product buyers should gain benefits from the purchase behavior, but also bear the decision-making risks themselves, which is the significance of buyers' conceit.
13. The interest rate determined by non-governmental private financial institutions belongs to public interest rate.
14. The functions of the People's Bank of China include: formulating and implementing monetary policies, preventing and defusing financial risks, and maintaining financial stability.
15, monetary financing is the most important and basic function of the financial market.
16, the characteristics of bank intermediary business mainly include not using or directly using the bank's own funds; Do not bear or directly bear risks; Earn income by charging service fees (handling fees and management fees) and earning the difference.
17, China's Commercial Bank Law stipulates that the capital adequacy ratio of commercial banks shall not be less than 8%.
18, China's commercial banking law stipulates that the loan-to-deposit ratio shall not exceed 75%.
19. The ratio of loan balance to capital balance of a commercial bank to the same borrower shall not exceed 10%.
20. As the owner of the purchased house, the parents of the non-owner can also apply for a loan from the bank as a * * * with the borrower, which is called a relay loan.
2 1. During the period from loan issuance to loan recovery, the loan risk caused by technical mistakes in loan issuance and management is called operational risk.
22. The bonds issued by China's commercial banks and enterprise group finance companies are called financial bonds.
23. The credit business of commercial banks should not focus on borrowers of the same business, the same nature or even the same country, but should be carried out in many ways. This is a risk management strategy based on risk dispersion.
24. Guarantee refers to the agreement between the third party and the creditor. When the debtor fails to perform or cannot perform the debt, it will perform the debt or assume the responsibility according to the agreement.
25. The effective principle of internal control of commercial banks means that internal control should have a high degree of authority, and no one should have the power that is not bound by internal control.
26. China is responsible for guiding and deploying anti-money laundering work in the financial industry, and the financial institution responsible for monitoring anti-money laundering funds is the People's Bank of China.
27. A bill of exchange signed by the drawer that entrusts the drawee to unconditionally pay a certain amount to the payee or holder at sight or on a specified date is a bill of exchange.
28. Calculation formula of holding period yield: (selling price-interest on buying price)/buying price × 100%.
29. The operating principles of commercial banks are safety, liquidity and efficiency. The longer the asset term, the higher the rate of return, while the lower the liquidity and security. Efficiency is the ultimate goal and important guarantee of safety and liquidity.
30. Bank credit analysis mainly adopts two methods: financial analysis and non-financial analysis, in which financial analysis focuses on quantitative analysis and non-financial analysis focuses on qualitative analysis.
3 1. If the reorganization of banking financial institutions fails, the the State Council banking regulatory authority may decide to terminate the reorganization, and the people's court shall declare bankruptcy according to the procedures prescribed by law.
32. The president of a bank is the ultimate responsible person for taking specific risks.
33. According to the Law of the People's Bank of China, the goal of China's monetary policy is to maintain the stability of the currency, thus promoting economic growth.
34. The intuitive criterion for judging money laundering is the purpose of the transaction.
35. The business institutions of foreign banks include wholly foreign-owned banks, Sino-foreign joint venture banks and branches of foreign banks.
36. Small and medium-sized commercial banks include joint-stock commercial banks and city commercial banks.
37.GDP refers to the total value of products and services produced by domestic residents and foreign residents in a country at market prices in a certain period of time.
38. Inflation refers to a general increase in the overall price level over a period of time.
39. Commercial banks usually take capital to cope with unexpected losses.
40. The basic principles that banking practitioners must follow are: honesty and credibility, law-abiding, professional competence, and protection of business secrets and customer privacy.
4 1, China's "Commercial Bank Law" stipulates that the operating principles of commercial banks include: safety, liquidity and efficiency.
42. Internal control is a dynamic process and mechanism for commercial banks to prevent, control, post supervision and correct risks in advance by formulating and implementing a series of systems, procedures and methods to achieve business objectives.
43. The people's courts, tax authorities and customs may deduct unit deposits.
44. The elements of internal control mainly include: control environment, risk identification and evaluation, information exchange and feedback, supervision, evaluation and correction.
45, the parties to the above-ground buildings and other attachments, construction land use rights, land contractual management rights and other property mortgage, should apply for collateral registration, mortgage contract shall take effect from the date of registration.
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