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1、-2013 年度银行业从业人员消费者权益保护知识竞赛（陕西赛区）试题问答题部分（共60 题）1.请谈谈信用卡发卡业务中营销人员应规范哪些行为。答案：（一）营销人员必须佩戴所属银行的标识，明示所属发卡银行及客户投诉电话，使用统一印制的信用卡产品（服务）宣传材料，对信用卡收费项目、计结息政策和业务风险等进行充分的信息披露和风险提示，确认申请人提交的重要证明材料无涂改痕迹，确认申请人已经知晓和理解上述信息，确认申请人已经在申请材料上签名，并留存相关证据，不得进行误导性和欺骗性的宣传解释。遇到客户对宣传材料的真实性和可靠性有任何疑问时，应当提供相关信息查询渠道。（二）营销人员应当公开明确告知申请信用卡
2、需提交的申请资料和基本要求，督促信用卡申请人完整、正确、真实地填写申请材料，并审核身份证件（原件）和必要的证明材料（原件）。营销人员不得向客户承诺发卡，不得以快速发卡、以卡办卡、以名片办卡等名义营销信用卡。（三）营销人员应当严格遵守对客户资料保密的原则，不得泄露客户信息，不得将信用卡营销工作转包或分包。发卡银行应当严格禁止营销人员从事本行以外的信用卡营销活动，并对营销精品资料-欢迎下载-欢迎下载 名师归纳-第 1 页，共 33 页 -人员收到申请人资料和送交审核的时间间隔和保密措施作出明确的制度规定，不得在未征得信用卡申请人同意的情况下，将申请人资料用于其他产品和服务的交叉销售。商业银行信用卡
3、业务监督管理办法第三十九条。2.商业银行个人理财业务人员应具备以下哪些资格条件。答案：（一）对个人理财业务活动相关法律法规、行政规章和监管要求等，有充分的了解和认识；（二）遵守监管部门和商业银行制定的个人理财业务人员职业道德标准或守则；（三）掌握所推介产品或向客户提供咨询顾问意见所涉及产品的特性，并对有关产品市场有所认识和理解；（四）具备相应的学历水平和工作经验；（五）具备相关监管部门要求的行业资格；（六）具备中国银行业监督管理委员会要求的其他资格条件。商业银行个人理财业务管理暂行办法第五十四条。3.银监会整治银行业金融机构不规范经营活动，在遵守信贷管理规定和业务流程，按照国家利率管理相关规定
4、进行贷款定价方面都有哪些要求。答案：（一）不得以贷转存。精品资料-欢迎下载-欢迎下载 名师归纳-第 2 页，共 33 页 -文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2
5、C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 H
6、A8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2
7、C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 H
8、A8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2
9、C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 H
10、A8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3-（二）不得存贷挂钩。（三）不得以贷收费。（四）不得浮利分费。（五）不得借贷搭售。（六）不得一浮到顶。（七）不得转嫁成本。中国银监会关于整治银行业金融机构不规范经营的通知4.请说明农村金融机构信贷审批制度建立完善的要求以及贷款审批工作重
11、点。答案：农村金融机构应当遵循审慎性与效率原则，建立完善独立审批制度，完善农户信贷审批授权，根据业务职能部门和分支机构的经营管理水平及风险控制能力等，实行逐级差别化授权。农村金融机构应当逐步推行专业化的农户贷款审贷机制，可以根据产品特点，采取批量授信、在线审批等方式，提高审批效率和服务质量。贷中审查应当对贷款调查内容的合规性和完备性进行全面审查，重点关注贷前调查尽职情况、申请材料完备性和借款人的偿还能力、诚信状况、担保情况、抵（质）押及经营风险等。依据贷款审查结果，确定授信额度，作出审批决定。农户贷款管理办法第二十六条、第二十七条、第二十精品资料-欢迎下载-欢迎下载 名师归纳-第 3 页，共
12、33 页 -文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4
13、A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1
14、V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4
15、A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1
16、V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4
17、A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1
18、V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3-八条。21.银行业金融机构的审慎经营规则包括哪些内容？答：银行业金融机构的审慎经营规则，由法律、行政法规规定，也可以由国务院银行业监督管理机构依照法律、行政法规制定。前款规定的审慎经营规则，包括风险管理、内部控制、资本充足率、资产质量、损失准备金、风险集中、关联交易、资产流动性等内容。银行业金融机构应当严格遵守审慎经营规则。银行业监督管理法第2
19、1 条。22.储户遗失存单、存折或者预留印鉴的印章的应如何挂失？答：储户遗失存单、存折或者预留印鉴的印章的，必须立即持本人身份证明，并提供储户的姓名、开户时间、储蓄种类、金额、账号及住址等有关情况，向其开户的储蓄机构书面申请挂失。在特殊情况下，储户可以用口头或者函电形式申请挂失，但必须在 5 天内补办书面申请挂失手续。储蓄机构受理挂失后，必须立即停止支付该储蓄存款；受理挂失前该储蓄存款已被他人支取的，储蓄机构不负赔偿责任。储蓄管理条例第31 条。精品资料-欢迎下载-欢迎下载 名师归纳-第 4 页，共 33 页 -文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文
20、档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X
21、4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文
22、档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X
23、4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文
24、档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X
25、4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文
26、档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3-23.什么是电子银行业务？答：电子银行业务，是指商业银行等银行业金融机构利用面向社会公众开放的通讯通道或开放型公众网络，以及银行为特定自助服务设施或客户建立的专用网络，向客户提供的银行服务。电子银行业务包括利用计算机和互联网开展的银行业务（以下简称网上银行业务），利用电话等声讯设备和电信网络开展的银行业务（以下简称电话银行业务），利用移动电话和无线网络开展的银行业务（以下简称手机银行业务），以及其他利用电子服务设备和网络，由客户通过自助
27、服务方式完成金融交易的银行业务。电子银行业务管理办法第2 条。24.商业银行对信用卡风险资产实行分类管理的分类标准是什么？答：商业银行应当对信用卡风险资产实行分类管理，分类标准如下：（一）正常类：持卡人能够按照事先约定的还款规则在到期还款日前（含）足额偿还应付款项。（二）关注类：持卡人未按事先约定的还款规则在到期还款日足额偿还应付款项，逾期天数在1-90 天（含）。（三）次级类：持卡人未按事先约定的还款规则在到期还款精品资料-欢迎下载-欢迎下载 名师归纳-第 5 页，共 33 页 -文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3
28、 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4
29、Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3
30、 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4
31、Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3
32、 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4
33、Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3
34、 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3-日足额偿还应付款项，逾期天数为91-120 天（含）。（四）可疑类：持卡人未按事先约定的还款规则在到期还款日足额偿还应付款项，逾期天数在121-180 天（含）。（五）损失类：持卡人未按事先约定的还款规则在到期还款日足额偿还应付款项，逾期天数超过180 天。商业银行信用卡业务监督管理办法第92 条。25.与商业银行签订收单业务合同的网络商户或第三方支付平台应在网站上明确标注哪些信息？答：收单银行对从事网上交易的商户，应当进行严格的审核和评估，以技术手段确保数据安全和
35、资金安全。商业银行不得与网站上未明确标注如下信息的网络商户或第三方支付平台签订收单业务相关合同：（一）客户服务电话号码及邮箱地址；（二）安全管理的声明；（三）退货（退款）政策和具体流程；（四）保护客户隐私的声明；（五）客户信息使用行为的管理要求；（六）其他商业银行相关管理制度要求具备的信息。商业银行信用卡业务监督管理办法第76 条。26.什么是信用卡交易日、记账日、账单日？精品资料-欢迎下载-欢迎下载 名师归纳-第 6 页，共 33 页 -文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2
36、C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 H
37、A8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2
38、C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 H
39、A8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2
40、C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 H
41、A8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2
42、C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3-答：交易日：信用卡交易时间。即持卡人使用信用卡交易发生的日期。记账日：指发卡银行将信用卡交易付款的账务（资金）记入持卡人账户的日期。账单日（月结日）与到期还款日：发卡银行在每月规定的日期对账户本月消费、取现、转账、利息、费用、还款等已入账的账务进行月结，该日期为月结日。银行服务百姓读本P24。28.什么是 QDII？答：QDII 是 Qualified Domestic Institutional Investors（合格境内机构投资者）的英文首个字母缩写，是指在人民币资本项下不可自由兑换、资本市场未开放条件
43、下，在一国境内设立、经该国有关部门批准，有控制的允许境内机构投资境外资本市场的股票、债券等有价证券投资业务的一项制度安排。对百姓来说，投资者可将手上的人民币或美元交给合格的境内机构投资者，让他们代为投资到境外的资本市场上去，获取全球市场收益。QDII 产品目前主要可分为保险系QDII、基金系 QDII 及银行系 QDII，三个系列各有不同：保险系QDII 运作的是保险公司自己在海外的资产，一般不对个人投资者开放；基金系QDII，投资范围及比例受限制较少，风险和收益较高，由于采用基金的形精品资料-欢迎下载-欢迎下载 名师归纳-第 7 页，共 33 页 -文档编码:CA1Z1B8L4A3 HA8X
44、4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文
45、档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X
46、4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文
47、档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X
48、4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文
49、档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X
50、4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3文档编码:CA1Z1B8L4A3 HA8X4H1T5B8 ZK6W1V4Q2C3-式发行，认购门槛一般为1000 元；银行系QDII 可以投资境外固定收益及股票、基金等，投资范围及比例受到一定限制，与基金系 QDII 相比，认购门槛相对较高。银行服务百姓读本P89。29.个人在征信活动中有哪些权利和义务？答：在人民银行的个人征信系统中，作为数据主体的自然人拥有四个方面权利：一是知情权。个人有权知道个人征信系统中关于自己的所有信息，知晓的途径是到人民银行当地征信部门去查询本人信用