A. The current personal car loan market is dominated by "intermittent" operation mode.
B: The intermodal mode means that the car buyer first chooses the car from the dealer, and then goes through the loan formalities in the cooperative bank through the recommendation of the dealer.
C dealers or third parties often charge a certain percentage of management fees or guarantee fees during the loan process.
D. The operation mode of "guest room" is "loan first, then buy a car"
42. A customer bought a new car for home use, and the transaction price was 200,000. Pay value-added tax, consumption tax, purchase surcharge, vehicle and vessel use tax of 40,000 yuan, vehicle inspection fee, insurance fee, annual inspection fee and road maintenance fee of 20,000 yuan. The customer applies for a personal car loan with a loan amount of () ten thousand yuan.
A. 16
b20
C.20.8
Cao 26
43. In personal car loan business, banks usually stipulate that the extension period of each loan shall not exceed () years.
A. 1
B.2
C.3
D.5
44. If the vehicle purchased by the borrower is a used car, the personal car loan amount shall not exceed the price of the purchased car ().
A: 80%
B.70%
About 60%
D.50%
45. The loan period of second-hand car loans shall not exceed ().
A. 1 year
B.3 years
C.5 years
D.7 years
46. The risks in the acceptance and investigation of personal car loans do not include ().
A. The residence of the loan applicant is not in the location of the loan bank.
B. collateral is not easy to realize
C. Failure to take the performance bond insurance qualification survey as the basis, resulting in repeated investigation.
D proof of ownership of the mortgaged property has been changed.
47. The financial discount of the national student loan refers to ().
A. The state subsidizes students to apply for national student loans by bearing all the interest.
B the state subsidizes students to apply for national student loans by bearing part of the interest.
C. Commercial banks subsidize students to apply for national student loans by bearing part of the interest.
D. Commercial banks subsidize students to apply for national student loans by bearing all interest.
48. The following statement about personal education loans is incorrect ().
A. Personal education loans have social welfare and high policy participation.
The principle of "financial discount, risk compensation, credit granting, earmarking and repayment on schedule" is implemented in the national student loan.
Three, commercial student loans follow the principle of "partial self-financing, effective guarantee, earmarking, repayment on schedule".
D. Compared with other personal loans, the risk of personal education loans is relatively low.
49. The following statement about personal education loans is wrong ().
A. Personal education loans are loans granted by banks to students who are studying or their immediate family members or legal guardians.
B. Personal education loans are divided into commercial student loans and national student loans.
C. Commercial student loans are loans granted by commercial banks designated by the state to undergraduate students (including higher vocational students), graduate students and students with second bachelor's degrees who have real financial difficulties in full-time colleges and universities.
D. Commercial student loans are commercial loans used to finance tuition, accommodation and basic living expenses of poor students in domestic colleges and universities.
50. The loan object of the national student loan does not include ().
A. Full-time undergraduates with real financial difficulties in ordinary colleges and universities in Beijing
B. On-the-job graduate students with real financial difficulties in ordinary colleges and universities in Tianjin
C. Full-time vocational students with real financial difficulties in ordinary colleges and universities in Shanghai
D 5 1。 The interest rate of commercial student loans shall be implemented according to the interest rate policy stipulated by the People's Bank of China, which is () in principle.
A. the floating range shall not exceed 5%
B. the floating rate shall not exceed 10%.
C. the floating range shall not exceed 20%.
D. no floating
52. Borrowers of commercial student loans can apply for ().
A. principal interest
B. Reduce the loan interest rate
C. Extend the loan term
D. Delaying payment of principal
53. The borrower should return the commercial student loan from ().
A. One year before leaving school
B.the month I left school
C. One month after leaving school
D. After leaving school for one year
54. The method of pre-loan investigation does not include ().
A. on-site verification
B. Telephone inquiry
C. e-mail survey
D. information consultation
55. The National Student Loan Management Center issues the national student loan risk compensation to the head office of the commercial bank on the basis of ().
Summary of the actual issuance of national student loans in universities affiliated to the central department
B. Discount application provided by the head office of each lending bank
C application for risk compensation submitted by the head office of the handling bank, summary of the actual issuance of national student loans in colleges and universities affiliated to the central department and the central department
Confirmation of Risk Compensation for National Student Loans in Colleges and Universities
D. Summary of the Actual Distribution of National Student Loans in Colleges and Universities of the Central Department and the Application for Discount Provided by the Head Office of the Loan Bank.
56. Borrowing students of the national student loan will start to repay the loan interest on the following month 1 day (including 1 day) from the date of obtaining the graduation certificate, and can choose to start to repay the loan principal and interest in any month within () months after graduation, but in principle, the loan term shall not be extended.
A.6
B.9
C. 12
Grass 24
57. The following statement about the post-loan inspection of commercial student loans is incorrect ().
A. The objects of post-loan inspection are borrowers, collateral and guarantors.
B the main contents of post-loan inspection include borrower inspection and guarantee inspection.
C. Post-loan inspection can obtain information through customer's provision, interview, on-the-spot inspection and in-bank resource inquiry.
D. If the information provided by the borrower changes voluntarily, the post-loan examiner shall be responsible for updating the borrower's information in time.
58. In the commercial student loan, the main content of the post-loan inspection of the borrower does not include ().
A. Does the borrower repay in full and on time?
B. Is there any change in the domicile and telephone number of the borrower?
C. Is the borrower married?
D. Are there any emergencies that may affect the borrower's repayment ability or willingness?
59. Regarding the management of bad personal education loans, lenders should first identify bad personal education loans in accordance with ().
A. Risk management procedures
B. Self-designed classification
C. Internal rating of banks
D. Five-level classification of loan risk
60. Personal loans granted beyond authority belong to ().
A. credit risk
B. Systemic risks
C. Legal risks
D. Operational risks
4 1. Answer: D; Test center: 5.1; See personal loan P 133.
42. answer: a; Test center: 5.1; See personal loan P 134.
43. answer: a; Test center: 5.1; See personal loan P 134.
44. answer: d; Test center: 5.1; See personal loan P 134.
45. answer: b; Test center: 5.1; See personal loan P 134.
46. answer: c; Test site: 5.3; See personal loan P 147- 148.
47. answer: b; Test site: 5.4; See personal loan P 153.
48. answer: d; Test site: 5.4; See personal loan P 153- 154.
49. answer: c; Test site: 5.4; See personal loan P 155.
50. answer: b; Test site: 5.4; See personal loan P 155.
5 1. Answer: D; Test site: 5.4; See personal loan P 157.
52. answer: a; Test site: 5.4; See personal loan P 157.
53. answer: c; Test site: 5.4; See personal loan P 158.
54. answer: c; Test site: 5.5; See personal loan P 164.
55. answer: c; Test site: 5.5; See personal loan P 167.
56. answer: d; Test site: 5.5; See personal loan P 167- 168.
57. answer: d; Test site: 5.5; See personal loan P 168- 169.
58. answer: c; Test site: 5.5; See personal loan P 169.
59. answer: d; Test site: 5.5; See personal loan P 170.
60. answer: d; Test site: 5.6; See personal loan P 17 1.