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全国2007年4月高等教育自学考试银行信贷管理学试题

来源 :中华考试网 2007-10-24

11.人民币贷款一般(   )

A.按日结息                                                                   B.按月结息

C.按季结息                                                                   D.按年结息

12.银行贷款决策的基础和前提是(   )

A.风险预测                                                                   B.评价抵押品价值

C.合理定价                                                                   D.信用分析

13.考察企业资产迅速变现能力的指标是(   )

A.流动比率                                                                   B.速动比率

C.现金比率                                                                   D.杠杆比率

14.处理质物或质押权利所得价款应首先用于(   )

A.偿还借款人所欠贷款本息                                          B.支付违约金

C.支付应缴税款                                                            D.支付实现债权的费用

15.银行对借款企业进行财务分析的核心是评价借款人的(   )

A.信用状况                                                                   B.经营能力

C.偿债能力                                                                   D.担保品价值

16.由出票人签发,并保证在见票时无条件支付确定金额给持票人或收款人的票据称为(   )

A.支票                                                                          B.本票

C.商业承兑汇票                                                            D.银行承兑汇票

17.在银团贷款中,具体负责组织安排银团的银行称为(   )

A.牵头行                                                                      B.安排行

C.经理行                                                                      D.代理行

18.商业银行根据贷款的内在损失程度,按不同比例提取的准备金称为(   )

A.一般呆账准备金                                                        B.专项呆账准备金

C.特别呆账准备金                                                        D.普通呆账准备金

19.根据现行的贷款五级分类,贷款损失的可能性(   )

A.关注类大于次级类                                                     B.次级类大于可疑类

C.可疑类大于损失类                                                     D.可疑类大于关注类

20.客户经理制是银行经营理念(   )

A.以产品为导向以客户为导向转变的结果

B.以市场为导向以产品为导向转变的结果

C.以客户为导向以产品为导向转变的结果

D.以服务为导向以产品为导向转变的结果

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