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1、信用社信贷员上岗考试试题及答案(一)信贷员考试练习题一、选择题（本题包括单选和多选）1、下列比率中，不属于盈利比率的有：（B）A、销售利润率B、资产利润率C、营业利润率D、净利润率2、农村信用社要适时对保证人的信誉和经营情况、抵（质）押物的现实市场价值和变现折价率进行分析、评估，并根据对偿还贷款的保障能力将担保分为：（BCD）A、好B、较好C、一般D、较差3、农村信用社在非财务分析中应主要对借款人的哪些因素进行分析？（ABC）A、经营风险B、管理风险C、还款意愿D、担保能力4、成熟行业的年销售增长率一般在（A）之间。A、0-20%B、20-40%C、40-60%D、60-100%5、下列各指标
2、中，可用于分析企业长期偿债能力的有：（A）A、产权比率B、流动比率C、存货周转率D、速动比率6、对损失类贷款的管理方法有：（ACD）A、及时足额申报债权B、对债务实施重组，并尽可能压缩贷款C、依法追究与破产清算D、按有关规定予以核销7、出现以下（ABCD）情况的贷款应列入次级类贷款。A、借款人经营亏损，支付困难并且难以获得补充资金来源，经营活动的现金流量为负数；B、借款人已不得不通过出售、变卖主要的生产、经营性固定资产来维持生产经营，或者通过拍卖抵押品、履行保证责任等途径筹集还款资金；C、借款人）情况的贷款应列入可疑类贷款。A、借款人在其他金融机构的贷款被划为可疑类。B、本金或利息逾期91 至
3、 180 天的贷款；C、已诉诸法律追收的贷款；D、借款人在其他金融机构的贷款被划为损失类；E、经过多次谈判借款人明显没有还款意愿。9、贷后检查的方法为（ABCD）A、跟踪检查B、定期检查C、不定期检查D、前三种都是10、信贷经营部门参与信贷讨论，提供讨论要求的各项基础资料，充分披露分类所需各种信息，对基础资料的（ABC）负责。A、真实性B、完整性C、及时性D、可比性11、贷款类别由下级调至上级的，由贷款发放单位提出调整理由并上报联社（B）确定分类结果。A、信贷经营部门B、风险管理部门C、稽核部门D、财务会计部门E、监察部门12、保证担保的范围应当包括（ABCD）A、主债权及利息B、违约金C、损
4、害赔偿金D、实现债权的费用13、未参加信用等级评定的农户抵押贷款，已逾期31 天应划分为（B）贷款。A、正常B、关注C、次级D、可疑E、损失14、非财务因素分析时间一般在贷款业务的和两个阶段。两个阶段分析AD）A、贷前调查B、贷款审查C、贷款审批D、贷后检查15、借款人经营亏损，支付困难并且难以获得补充资金来源，经营活动的现金流量为负数，不考虑其他因素情况下，一般划入（C）类。A、正常B、关注C、次级D、可疑E、损失16、目前农村信用社的贷款担保主要有：（ABC）A、保证B、抵押C、质押D、留置17、对挪用的贷款最高只能分为（B）类贷款。A、正常B、关注C、次级D、可疑18、贷款到期未受清偿时
5、，抵押物所有权不能直接转移至农村信用社。农村信用社实现债权的方式主要有（AC）。A、协商方式B、租用方式C、强制方式D、收购方式19、贷款五级分类中，不良贷款的类别有：（BCD）A、关注B、次级C、可疑D、损失20、现金流量中的现金，包括：（ACD）A、现金B、利润C、银行存款D、现金等价物21、对贷款五级的分类目的，以下表述正确的是（BCD）。A、促进农村合作金融机构树立审慎经营、风险管理、合理避税的理念；B、揭示贷款的实际价值和风险程度，真实、全面、动态地反映贷款的质量；C、发现贷款发放、管理、监控、回收以及不良贷款管理中存在的问题，加强信贷管理；D、为提取充足的贷款损失准备金提供依据。2
6、2、五级分类应遵循真实原则，所以农村合作金融机构应当以借款人的（ABC）为主要依据，对各类信贷资产准确分类，真实反映风险价值。A、财务状况B、经营成果C、信用记录D、贷款B、投资C、筹资D、利润24、某企业 20XX 年借入短期贷款300 万元，同时归还长期贷款450 万元，不考虑其他因素情况下，其筹资活动的净现金量为（D）万元。A、300 B、450 C、150 D、-150 25、如果企业用经营活动产生的现金还款，但未来现金流量难以预测，不确定因素太大，在不考虑其他因素情况下，可将该企业贷款划分为（B）类贷款。A、正常B、关注C、次级D、可疑E、损失26、信用等级为优秀的农户信用贷款，已逾
7、期31 天应划分为（A）类贷款。A、正常B、关注C、次级D、可疑E、损失27、抵押贷款限额发放额度一般不得超过抵押物评估价值的（D）。A、40%B、50%C、60%D、70%28、下面不是按信用社承担的经济责任划分的贷款是（C）。A、自营贷款B、委托贷款C、质押贷款D、特定贷款文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文
8、档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E
9、5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文
10、档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E
11、5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文
12、档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E
13、5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T129、下面不可以作为质押贷款的是（C）。A、汇票B、支票C、信用社股金证D、存款单
14、30、长期贷款是指贷款期限在（D）的贷款。A、2 年以上（不含2 年）B、3 年以上（不含3 年）C、4 年以上（不含4 年）D、5 年以上（不含5 年）31、下面不属于流动资金贷款的是（B）。A、临时贷款B、项目贷款C、短期贷款D、中长期贷款32、按照农村信用社资产负债比例管理的规定，年未存贷比例不得高于（B）。A、70%B、80%C、90%D、100%33、按贷款风险分类法分类，尽管借款人目前有能力偿还贷款本息，但存在一些可能对偿还产生不利影响的因素，这类贷款应划为（B）。A、正常B、关注C、次级D、可疑34、贷款审批权限以（B）贷款金额确定。A、单笔最大B、单户累计C、笔数最大D、最大一
15、笔35、下面不是对借款人信用分析的B、借款人能力C、借款人的资本D、借款人的职务36、担保法规定，下列哪些财产不得抵押（BCD）。A、土地使用权B、学校、幼儿园、医院等以公益为目的的事业单位、社会团体的教育设施、医疗卫生设施等和其他社会公益设施C、所有权、使用权不明或者有争议的财产D、依法被查封、扣押、监管的财产37、担保法规定，贷款保证的方式有（AC）。A、一般保证；B、终生保证；C、连带责任保证；D、人格保证。38、对行政事业单位贷款，最高只能分为（B）类贷款。A、正常B、关注C、次级D、可疑E、损失39、划分为关注类的借新还旧贷款原则上应同时满足以下条件：（ABCD）A、借款人生产经营活
16、动正常，能按时支付利息B、重新办理了贷款手续C、贷款担保有效D、属于周转性贷款E、为清收贷款本息40、信用社向符合中华人民共和国商业银行法规定的关系人所发放的贷款应在（B）以下分类。A、正常B、关注C、次级D、可疑41、损失贷款的主要特征是（A）。A、损失严重B、存在潜在缺陷C、缺陷明显，可能损失D、较大损失42、分类时以对影响借款人还款能力的各类因素评估结论，作为判定贷款类别的主要依据，并注重（C）。A、贷款方式；B、贷款用途；C、第一还款来源；D、第二还款来源。43、对于农户信用等级为较好档次的保证贷款，如果其贷款本金或利息逾期91 天180 天，按照自然人一般农户贷款的分类标准应归为（C
17、）。A、正常B、关注C、次级D、可疑44、违反国家有关法律法规和贷款管理的有关制度规定、未经正常贷款审批程序而形成的信贷资产，分类结果要（A）。A、下调一级B、上调一级C、划为损失D、保持不变45、流动比率的计算公式为（B）。A、流动负债与流动资产的比率B、流动资产与流动负债的比率C、速动资产与流动负文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5
18、ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X
19、8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5
20、ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X
21、8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5
22、ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X
23、8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1债的比率D、流动负债与速度资产的比率46、借款人或有负债（
24、如对外担保、签发商业汇票等）或与上期相比有较大幅度时应划为关注类。（A）A、过大上升B、过大下降C、较小上升D、较小下降47、信贷资产风险分类原则有（ABCDE）。A、风险原则B、真实原则C 审慎原则D、灵活原则E、动态管理原则。48、农户小额信用贷款采取（ABCD）的管理办法。A、一次核定B、随用随贷C、余额控制D、周转使用E、缴纳保证金。49、下列情况属于关注类的有（BD）。A、农户信用贷款本金或利息逾期超过181 天B、信用卡透支61 天90 天C、住房按揭贷款能够正常还本付息D、农户信用等级评定为一般的抵押贷款农户贷款本金或利息逾期31 天90 天E、借款人处于停产、半停产状态，固定资
25、产贷款项目处于听、缓建状态50、自然人贷款分为（ABCDE）。A、自然人一般农户贷款B、银行卡透支C、住房按揭贷款D、汽车贷款E、自然人其他贷款。51、损益表是根据（C）的原理编制成的。A、所有者权益=资产-负债B、主营业务利润=主营业务收入净额-主营业务成本C、利润=收入-费用D、现金流出=收入-总资产52、对 联社风险分类认定权限表述正确的有（BCE）A、对于非损失类贷款20 万元（含）以下的贷款由各社分类认定小组审核认定，20 万元以上须上报区联社进行审核认定。B、对于非损失类贷款50 万元（含）以下的贷款由各社分类认定小组审核认定，50 万元以上须上报区联社进行审核认定。C、所有损失类
26、贷款均须上报区联社认定。D、贷款类别由上级调至下级的，由贷款发放单位提出调整理由并上报区联社确定分类结果。E、贷款类别由下级调至上级的，由贷款发放单位提出调整理由并上报区联社确定分类结果。53、联社自然人一般农户贷款划分标准正确的是：（D）A、10 万元以B、20 万元以C、50 万元以D、各网点审批权限万元（含）自然人贷款，超过万元（含）的企事业法人贷款，必须上报省联社最终认定。（C）A、300 500 B、500 1000 C、100 2000 D、300 2000 55、对风险分类后关注类贷款的管理表述正确的为：（AB）A、密切跟踪潜在风险因素的变化情况，分析评价其对贷款安全的影响。B、
27、对于未办理贷款担保措施的，要补办贷款担保或进一步强化原有的担保措施，在风险因素未好转之前，一般不增加贷款。C、必要时对债务实施重组，并尽可能压缩贷款。D、尽可能地减少贷款损失，对确实已造成的损失，按有关规定予以核销。56、联保小组成员一般由（B）组成。A、3-5 户B、5-10 户C、3-10 户D、3-6 户文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2
28、X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码
29、:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2
30、X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码
31、:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2
32、X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码
33、:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T157、联保小组应按借款金额的（B）设立小组互助金
34、。A、0.5%B、1%C、1.5%D、2%58、农村信用合作联社下辖网点的“小信”额度最高不超过（C）。A、5000 元B、10000 元C、20000 元D、30000 元59、信用社对评定的农户信用等级审查（B）一次。A 一年B 二年C 三年D 四年60、农村信用社汽车贷款管理暂行办法规定，挂靠车队的注册资本原则上不得少于（B）万元。A、50 万元B、100 万元C、150 万元D、200 万元61、农村信用社汽车贷款管理暂行办法规定，挂靠车队应按不低于担保额度（B）的比例存入保证金。A、5%B、10%C、15%D、20%62、支付结算办法规定，承兑银行可以向出票人收取签发汇票金额（B）的
35、手续费。A、5 B、0.5 C、3 D、0.3 63、票据丧失，当进行公示催告时，法院自公告之日起（B）B、60 日C、90日D、120 日64、商业汇票的提示付款期限是：（C）A、出票日起10 日B、出票日起最长不超过2 个月C、到期日起10 日D、到期日起 2 个月65、商业汇票票据权利时效为：（D）A、出票日起6 个月B、出票日起2 年C、票据到期日起6 个月D、票据到期日起2 年66、联保贷款的用途及安排次序是：（ABD）A、农业生产费用贷款B、个体工商户贷款C、没有先后之分D、其它贷款67、信用村一般应同时具备以下条件：（ABCD）A、无拖欠贷款本息农户占辖内贷款农户总数的95%以上
36、；B、村党支部和村委会支持信用社工作，向信用社推荐农户的资信情况，参与信用等级评定，帮助信用社组织资金、清收旧贷等该村；C、五級分类不良贷款占比低于5%（或在票据兑付期内按四級分类口径不良率4%以下）；D、村级经济组织不良贷款比率低于2%；E、辖内农户贷款面原则上应达35%以上68、信用乡（镇）应同时具备以下条件：（ABC）A、辖内信用村占总村数的50%以下；B、五级分类信用社不良贷款率在15%以下（或在票据兑付期内按四级分类口径不良率8%以下；C、乡（镇）党政支持信用社工作，帮助信用社组织资金、清收旧欠等；D、乡（镇）政府所属企业及有关职能部门不良贷款率在5%以下。69、申请小额信用贷款的农
37、户应具备以下条件：（ABCD）A、居住在信用社的营业区域内；B、具有完全民事行为能力，资信良好；C、从事土地耕作或者其他符合国家产业政策的生产经营活动，并有合法、可靠的经济来源；文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R
38、2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP
39、8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R
40、2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP
41、8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R
42、2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP
43、8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1D、具备清偿贷款本息的能力。70、农户小额信用贷款的用途可包括（ABCD）A、种、养业方面的农业生产费用贷款；B、小型农机具贷款；C、围绕农业生产的产前、产中、产后服务等贷款；D、购
44、置生活用品、建房、治病、子女上学等消费类贷款。71、自然人申请汽车贷款必须具备以下条件（ABCDE）。A、年满 18 周岁，户籍在龙岩市范围B、无条件支付的委托；C、确定的金额；D、收、付款人名称E、出票日期、出票人签章；F、收、付款人开户行名称。76、对票据背书记载事项的要求以下提法正确的是：（ABD）A、被背书人名称、背书人签章是绝对应当记载的事项；B、背书的日期是相对应当记载的事项；C、将汇票金额的一部分转让的背书或者将汇票金额分别转让给二人以上的背书有效；D、“不得转让”字样是可以记载的事项。77、汇票超过提示付款期限提示付款的，下列描述正确的是（ABC）。A、持票人将丧失对前手的追索
45、权；B、持票人失去了委托银行代为收款的权利；C、持票人仍可以直接向出票人或者承兑人请求付款，但必须作出说明；D、持票人不得向出票人或者承兑人请求付款。78、非现场监管报表中小企业授信中的个体经营户包括：（ABC）A、经各级工商行政管理机关登记注册、领取营业执照的个体工商户；B、有领取民办非企业单位（合伙）登记证书或民办非企业单位（个人）登记书的民办非企业单位；C、没有领取营业执照但有相对固定场所、实际从事个体经营活动三个月以上的城镇、农村个体经营单位；D、农民家庭以辅助劳力或利用农闲时间进行的一些兼营性的工业、商业及其它活动。79、各级信用社的资产质量用哪项指标来考核？（A）A、不良贷款率B、
46、不良贷款清收率C、不良贷款迁徙率D、贷款拨备覆盖率80、各级信用社的不良贷款回收水平用哪项指标考核？（B）A、不良贷款率B、不良贷款清收率C、不良贷款迁徙率D、贷款拨备覆盖率81、各级信用社的风险结构状况用哪项指标考核？（C）A、不良贷款率B、不良贷款清收率C、不良贷款迁徙率D、贷款拨备覆盖率82、各级信用社的风险抵补能力用哪项指标考核？（D）A、不良贷款率B、不良贷款清收率C、不良贷款迁徙率D、贷款拨备覆盖率文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R
47、2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X
48、5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R
49、2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X
50、5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R2S3 HL9E5C2X1A5 ZP8X5R5S5T1文档编码:CV4X8R2R