ICBRR冲刺模拟题
ICBRR-冲刺模拟题1-17
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银行账户的利率风险主要来自于 A 银行债券账户的价值 B 银行持有的衍生产品的价值 C 银行本身业务的结构 D 银行持有的证券化资产的级别和结构 在经济繁荣的时候贷出过度的款项，而在经济衰退时成为坏账，并削减了 银行的资本，使其在贷款能力下降。这种现象叫做 A 挤出效应 B 羊群效应 C 经济周期伴随效应 D 经济周期效应 2002 年， 美国继安然和世通公司财务丑闻事件披露后， 为企业财务信息披 露设定标准和要求的规定是 A 巴塞尔协定 B 格拉斯法案 C 国际会计准则 D 萨班斯-奥克斯利法案 银行的风险事件很容易导致系统性风险，这主要是因为 A 银行联系着很多个人客户 B 银行联动着很多公司客户 C 银行和国内经济直接联系 D 银行和国际经济直接联系
第一章 1 关于银行和金融服务公司之间的关系，下述表述中不正确的是哪个？ A 银行是指持有执照并从事存贷款及支票签收、发等业务结构 B 金融服务公司提供除银行以外业务的包括保险、 养老金等金融产品机构 C 银行一定是一种金融服务公司，而金融服务公司不一定是银行 D 对银行的监管和对金融服务业监管是不同的 关于下面的描述，正确的是 I 风险代表的是产生负面结果的可能性，而且是可以估计的 II 风险事件将会给银行带来直接和间接的损失，最终都体现在财务损失 III 非金融产品和金融产品的监管都是为了保护消费者，没有其他区别 IV 银行监管不仅会对这个行业的产品和服务，对其中的每一个机构都会 进行比较严格的监管 A II 和 III B I 和 IV C II 和 IV D IV 银行的资本结构不像其他传统产业可以自由选择， 一般都受到最低资本要 求和最低流动性水平要求；制定这些要求的是 A 银行董事会 B 银行股东大会 C 行业协会 D 所在地监管当局 BASEL II 协议适用于银行的监管， 并不适用于金融服务业。 但是从目前来 看，将 BASEL II 覆盖大约 8800 家信用机构和 2200 家投资公司的，是 A 日本 B 美国 C 英国和英联邦体系 D 欧盟 银行的经营失败在给银行职员、客户以及雇员造成立即损害的同时，给整 个宏观经济带来损害的风险，这个风险叫做 A 挤兑风险 B 联系风险 C 系统性风险 D 整体风险 下面各个描述错误的是 I 对于银行的监管，监管当局需要考虑资本与流动性水平，通常把银行资 本和贷款的一定比例联系，但这会忽略贷款的风险水平 II 风险越高，需要的资本就越多 III 违约率和就业率成反比，和市场利率呈正比，和宏观经济向好度呈反 比 A III B I 和 III C I II III D 上面都正确，没有错误
2022年大学生英语竞赛C级冲刺模拟试题
0全国大学生英语竞赛C级冲刺模拟试题一及详解Part ⅠListening Comprehension (25 minutes, 30marks)（略）Part ⅡVocabulary and Structure (10 minutes, 15 points) Directions: There are 15 incomplete sentences in this part. For each blank there are four choices marked A, B, C and D. Choose the one that best completes the sentence. Then mark the corresponding letter on the Answer Sheet with a single line through the centre.31. Because Edgar was convinced of the accuracy of this fact, he stick _______ his opinion.A. atB. toC. forD. for32. student with a little common sense should be able to answer the question.A. EachB. AnyC. EitherD. One33. Obviously, the Chairman’s remarks at the conference were and not planned.A. substantialB. spontaneousC. simultaneousD. synthetic34. All substances , take up space.A. whether are liquid or solidB. whether are they liquid or solidC. be they liquid or solidD. no matter they are solid and liquid35. The girl was a shop assistant; she is now a manager in a large department store.A. preliminarilyB. presumablyC. formallyD. formerly36. A Loan is a written document that states that a lender has agreed to lend borrower a sum of money at certain rate of interest for a specific period of time, which may contain sets of conditions and a date by which the loan must close.A. obligationB. dutyC. responsibilityD. commitment37. after a long walk, I couldn’t move a step farther.A. Having worn outB. Wearing outC. To wear outD Worn out38. Before the first non-stop flight made in l949, it necessary for all planes to land for refueling.A. would beB. has beenC. had beenD. would have been39. Government reports, examination compositions, legal documents and most business letters are the main situations formal language is used.A. in whichB. on whichC. in thatD. at what40. It took him several hours to ________the paper off all four walls.A. shearB. strikeC. scrapeD. chip41. ______ you were busy, I wouldn’t have bothered you with my questions.A. If I realizedB. Had I realizedC. I realized thatD. As I realized42. doubt there are a lot of natural resources in this country.A. Little do weB. Little weC. Seldom did weD. Few do we43. Although a teenager, Fred could resist what to do and what not to do.A. to be toldB. having been toldC. being toldD. to have been told44. M: Hello, Fred’s Motors.W: Hello, it’s Mrs. Williams here. I’m just phoning up because my Volvo is making very, very strange noises, and I wond ered if you’d be able to have a look at it.M: Yeah. When was the last time you had it serviced?W: I think it was only about a month ago. But it’s a sort of knocking noise.M: Well, tomorrow morning, yeah?A. do itB. change itC. bring it inD. take it away45. M: What’s 53 times 115? I can’t .W: Why don’t you use a calculator?A. work it outB. count itC. have it doneD. work it upPart ⅢReading Comprehension (20 minutes, 35 marks) Section A (5 marks)In this section, there is one passage with five questions. For each question, there are four choices marked A, B, C arid D. You should decide on the best choice, then mark the corresponding letter on the answer sheet with a single line through the center.Questions 46-50 are based on the following passage.Mark Twain pointed out that if work were so pleasant, therich would keep it for themselves. But however much people may think they dislike work, everyone has a deep psychological need for it. Everyone wants to be valued, and wages and salaries are the visible proof that we matter.Not all kinds of work qualify, however. No matter how worthwhile or demanding they might be, bringing up children, housework and voluntary employment are not usually seen as proper jobs. The only proper job is one that provides paid employment. Being paid for a job in our society means higher personal status.Of course we would also prefer work to be useful, pleasant and interesting—and also well paid. But you don’t really have to enjoy your work to get pleasure from it. The fact that we have to overcome some difficulties that we have to deal with doing routine tasks, in some way gives us pleasure.For example, having to be in a particular place at a particular time, working as part of a team towards a common goal, gives us a sense of purpose. The modern workplace also provides somewhere where people can assert their identity or create a new one.Without work many people become untidy and lazy, andfind they are unable to enjoy the leisure time which is available to them. When some people retire from work, they lose their sense of value and purpose. For most of their lives, their personality, self-image and status have been defined by work; without it they lose their appetite for life.People who suddenly lose their jobs can find the situation particularly difficult. At a single stoke they lose all the advantages and status that a paid job provides. In a culture dominated by work, they are seen by those with jobs as incompetent or lazy. It is little wonder that stress and illness occur more frequently among the unemployed.Employment is now changing, however. Information technology has already significantly altered the world of work. For many, the idea of a job for life is no longer realistic. Many people fear they will lose their jobs, and some are being persuaded to accept the possibility of part-time work. Even the workplace itself may become a thing of the past with more and more people working at home. This means that we may no longer be able to depend on work to define ourselves and our position in society, and that we will have to find new ways to give our lives a sense of value and purpose. Questions:46. Mark Twain pointed out that______.A. the rich should work moreB. work is not such a pleasurable thingC. the rich should keep all the work for themselvesD. work makes people rich47. People have a deep psychological need for work because______.A. they want to be richB. they like being told what to doC. everyone needs moneyD. they want to be valued and work proves this value48. People don’t have to enjoy their work to get pleasure from it because______.A. the salary makes them happyB. they get used to the routineC. coping with problems can be satisfyingD. they know their work is still useful49. People who have no work often______.A. enjoy their leisure timeB. develop a better self-imageC. have difficulty coping with the changeD. take an interest in new activities50. The arrival of information technology has______.A. enhanced people’s interest in workB. made work more stressfulC. made the workplace unnecessaryD. made people change their attitude to workSection B (10 marks)In this section, there is one passage followed by a summary. Read the passage carefully and complete the summery below by choosing a maximum of three words from the passage to fill in each of the blanks 51-55. Remember to write the answers on the answer sheet.Companies say that in many cases, the benefits of foreign-language knowledge can lie outside the specific realm of business. That’s one reason why the programs are optional. Mayer says that the benefits are more to help each employee adjust to his or her new surroundings and to promote the company’s policy of being a good neighbor and becoming integrated into local communities than to help the executive conduct actual business.At IBM, company-subsidized foreign-language training is provided on a case-by-case basis, says Mia Vanstraelen, director of human resources for learning in Europe, theMiddle East and Africa. If employees need foreign-language skills to do their job properly—for example, an expatriate manager who functions as the point person between an overseas operation and headquarters or a sales employee who deals with clients on the ground overseas—the company will provide financial support. In addition, company support is often available for employees seeking business-related skills to further their own careers within the company.A less-than-aggressive attitude toward foreign-language acquisition at the corporate level is typical, some experts say, and the reasons range from high cost to a lack of necessity. English, the language of business, the language of technology, the language of Hollywood, is the language to know in global business even for traditionally non-English-speaking countries.While Americans have to decide which second language might be most useful for their business careers according to their areas of interest, potential business professionals in other countries whose native language is not English have a clear answer to that question. And as more students worldwide learn to conduct business in English, itsposition as the language of commerce solidifies.Even multinationals that are headquartered in other countries are using English as the language of business, Van Someren says. He cites Sony’s Berlin headquarters as an example. In that office, which has about 400 employees, there are 45 different nationalities and almost as many l anguages, he says. “So the cost and effort associated with trying to teach everyone German when a lot of them will be moving on to other assignments in a matter of months probably doesn’t make a lot of sense,” he says. Language acquisition can be a slow process, and companies that need someone who speaks a foreign language can’t wait years for the right employee to gain the skills. When knowledge of a foreign language is what is specifically required, that’s the skill set human resources looks for. Lieberthal says that in many ways, training high-level employees in a foreign language such as Chinese simply doesn’t make good business sense. “It’s a large investment with high front-end costs.” Top executives could harm their careers by taking time off to study a language. In addition, he says, even if an executive were willing to put in the time to learn a language, the training just doesn’t make economic sense. Anemployer would have to not only cover the cost of language training as well as the executive’s sa lary, but also absorb whatever financial burden results from lost productivity. An executive sitting in the classroom memorizing vocabulary could be an investment in the future, but it would be a very costly one, Lieberthal says, and one that might not produce great returns.Summary:Some companies believe that foreign-language ability plays an unimportant role in (51) , but it does help their employees become (52) into a foreign environment. IBM offers (53) to employees who need foreign language skills to do their job well. Because of the high cost and lack of necessity, corporations do not think training executives in a foreign language makes (54) and believe it may not generate (55) .Section C (10 marks)In this section, there is passage followed by five uncompleted sentences. Read the passage carefully, and then complete the sentences in a maximum of three words for each blank. Remember to write the answers on the answer sheet. Questions 56-60 are completed with the information given.Virgin Trains CarLinkHaving trouble finding a fast, easy way to get to or from the train station?Stop worrying. Let Virgin Trains CarLink drive you.If you’re travelling from the northwest of England, we’ll pick you up from your door, take you to the station and then meet you when you return.Or if you’re coming to the northwest of England, we’ll meet you off the train, take you where you want to go to and then—when you’re ready—take you back to the station.HOW it worksHow to bookTo secure a CarLink journey you must book in advance:?five days in advance of travel, if you book via the Virgin Train Line 0345 222 333.?by 18:00 the day before travel, if you book in person ata station.56. CarLink services operate in the .57. For each one-way journey you need to give the driver plus the balance of the fare.58. You will still be picked up at the station even if yourtrain .59. Bear in mind that if things change, call CarLink to inform your .60. To secure a CarLink journey you must book in advance by telephone or .Section D (10 marks)In this section, there is one passage followed by five questions. Read the passage carefully, and then answer the questions in a maximum of ten words. Remember to write the answers on the answer sheet.Questions 61-65 are based on the following passage.Of all the many factors which contributed to the Industrial Revolution, the most revolutionary and the most impressive was not coal but steam power. J. L. and Barbara Hammond said that steam power “declared the triumph of industry and the glory of man”. From clumsy and inefficient beginnings it was quickly improved to open up tremendous possibilities for industrial progress. The limitations of muscle—power are obvious, and though water had served well to work bellows and hammers in iron works，or to turn machinery like the water-frame and the mule in the textile industry, it could only be applied in a limited way in Britain. For waterpower is most useful in a land with many fast-flowing streams and apart from areas like the Pennines, Scotland, and Wales, this country’s rivers flow slowly. The Alpine area of Europe, and much of the United States relied on water power for much longer than Britain, and hydroelectricity has brought water back into its own in many parts of the world. The geographical limitations of Britain’s water power, however, necessitated finding an alternative solution to the problem.When water vaporizes it expands 1,800 times. The idea of harnessing this energy is far from new. It was probably used by Hero of Alexandria in the 1st century B.C. to open temple doors or to pour libations apparently by magic. Hero’s writings were rediscovered during the Renaissance and many people, including, for example, the Marquis of Worcester (1601-1667) experimented with devices using steam. Regretfully, therefore, we must dismiss the old myth that steam power was born in the mind of a bright Scots lad called Jame s Watt as he sat one winter’s evening watching his mother’s kettle boil on the hearth. Watt’s contribution to steam is incalculable, but steam-pumps had been used in Britain for over seventy years before he began his work.The first steam-engine used in industry was invented byThomas Savery (1650-1715). Called “The Miners’Friend or an engine to raise water by fire”, it was patented in 1698 and worked on simple principles. It pumped water from wells quite efficiently and was used successfully in Cornish copper-mines, but its limitations were revealed when it was tried in the Broadwater Collieries in Staffordshire in 1706 and was found to be capable of pumping water up no more than 100 feet. When greater pressure was used the boiler burst. Therefore, Saver y’s engine was used to supply water in gentlemen’s houses or to work fountains—tasks it could perform effectively, though not quite safely as there was no pressure-gauge.It was Thomas Newcomen (1663-1729), a Dartmouth blacksmith and ironmonger, who produced the first steam-pump to be used widely in industry. It was known as an “atmospheric engine”because, in contrast to Savery’s engine, the steam in the cylinder was not used to drive the pump but only to create a partial vacuum when condensed. Ordinary air pressure drove the piston into the cylinder and this raised the pump which was connected to the piston by a see-sawing cross-beam. A large piston meant that it was possible to gain more force without increasing steam pressure and this made Newcomen’s e ngine much morepowerful than Savery’s.The first engine was made about 1706 but it was a clumsy affair. The piston did not fit tightly into the cylinder and condensation，which was achieved by pouring cold water on the outside of the cylinder，was far from complete. Moreover，the tap controlling the passage of steam into the cylinder was worked by hand seven or eight times a minute. These difficulties were ironed out by 1720；water was now sprayed into the cylinder to improve condensation, the operation of the taps had been made automatic, and a safety-valve had been fitted to eliminate the danger of explosion.The improved engine soon became standard equipment in most large mines，and it was also used to pump water into canals and to supply drinking-water in towns. It is difficult to know exactly how many were in use by the second half of the 18th century but in 1767 fifty-seven were found around Newcastle，and there were eighteen in Cornish mines in 1780. Questions:61. Why could water power only be applied in a limited way in Britain?62. Who was the first person mentioned in the text trying touse steam power?63. Who invented the first steam engine used in industry?64. How was Newcomen’s engine different from that of Savery’s?65. What was installed to the first engine to prevent explosion?Part ⅣCloze (15 minutes, 15 marks)Read the following passage and fill in each blank with one word. Choose the word in one of the following three ways: according to the context; using the correct form of the given word; according to the given letters of a word. Remember to write the answers on the answer sheet.There are many wedding traditions in the West. And some of them date back to several hundreds of years and most of their origins have their (66) r in ancient superstitious beliefs.“Something old, new, borrowed and blue”is a popular bridal attire (盛装) rhyme. It dates from the Victorian times. Something old refers (67) wearing something that represents a link with the bride’s family and her (68) (precede) life. Usually, the bride wears a piece of familyjewelry or maybe her mother’s or grandmother’s wedding dress. Wearing something new (69) (symbol) good fortune and success in the bride’s new life.The bride’s wedding dress is usually chosen, or purchased new, (70) b it can be any other new item of the bride’s wedding attire. Wearing something borrowed is meant to (71) b good luck to the marriage. It could be an item of bridal clothing, a handkerchief or an item of jewelry. Wearing something blue dates back to biblical times (72) the color blue was considered to represent purity and fidelity.The custom of the wedding veil is thought to (73) pre the wedding dress by centuries. One explanation for it is that during the times of arranged marriage, the bride’s face was covered until the groom was committed (74) her at the ceremony—so it would be too late for him to run off if he did not like the look of her! It is also thought that rite veal was worn to (75) pr the bride from evil spirits that would be floating around on her wedding day. This is why the veal covers the brides’ face throughout the ceremony until the minister (76) p the couple man and wife.And traditionally a bride’s (77) (engage) ring andwedding ring are worn on the fourth finger of the left hand.(78) Th no precise evidence explains the origin of this tradition, one belief is strongly held to it. It (79) ori from the 17th century. During a wedding then, the priest arrived at the fourth finger (80) a touching the three fingers on the left hand “... in the name of the Father, the Son and the Holy Ghost”.Part ⅤTranslation (15 minutes, 20 marks)Section A (10 marks)Translate the underlined sentences of the following passage into Chinese. Remember to write the answers on the answer sheet.(81) For many women choosing whether to work or not to work outside their home is a luxury: they must work to survive. Others face a hard decision.Perhaps the easiest choice has to do with economics. One husband said, “Marge and I decided after careful consideration that for her to go back to work at this moment was an extravagance (奢侈) we couldn’t afford”. (82) With two preschool children, it soon became clear in their figuring that with babysitters, transportation, and increased taxes,rather than having more money, they might actually end up with less.Economic factors are usually the first to be considered, but they are not the most important. The most important aspects of the decision have to do with the emotional needs of each member of the family. (83) It is in this area that husbands and wives find themselves having to face many confusing and conflicting feelings.(84) There are many women who find that homemaking is boring or who feel imprisoned (被囚禁) if they have to stay home with a young child or several children. On the other hand, there are women who think that homemaking gives them the deepest satisfaction.From my own experience, I would like to suggest that sometimes the decision to go back to is made in too much haste. There are few decisions that I now regret more. I wasn’t mature enough to see how much I could have gained at home. (85) I regret my impatience to get on with my career; I wish I had allowed myself the luxury of watching the world through my little girl’s eyes.Section B (10 marks)Translate the following sentences into English, using the words given in the brackets. Remember to write the answers on the answer sheet.86. 有时候对一种人来说需要终身旳时间才能懂得活着就是为了奉献。
银行招聘之银行招聘综合知识考前冲刺模拟卷和答案
银行招聘之银行招聘综合知识考前冲刺模拟卷和答案单选题（共20题）1. 人们根据特定的需要，预先为计算机编制的指令序列称为（）。
人们根据特定的需要，预先为计算机编制的指令序列称为（）。
A.软件B.文件C.语言D.程序【答案】 D2. 资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual generalmeetings of in institution, the Asian Infrastructure Invest ment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institutio n, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.A.Britain’s exit from European Union will have an impact on its membership in the bankB.United States and Japan will join the Asian Infrastructure Investment Bank soonC.More countries are interested in the membership in the bankD.Germany and France will join the bank soon【答案】 C3. 规定外国公使可以进驻北京的不平等条约是（）。
icbrr冲刺模拟题――第二部分交易市场风险原理与监管知识.
第二部分交易市场风险原理与监管知识第四章1 一般市场风险包括下面哪四种不同种类？A 利率风险、结算风险、汇率风险、股票风险B 利率风险、汇率风险、流动风险和股票商品价格风险C 利率风险、汇率风险、商品风险和股票风险D 利率风险、汇率风险、结算风险、流动性风险2 下面哪些事项属于特定风险A 利率风险B 政策风险C 购买力风险D 经营风险3 市场风险一般可以分解成下面哪两部分？A 集中度风险和分散型风险B 特定风险和系统性风险C 非系统风险和整体风险D 剩余风险和转移风险4 资产净值风险是由于持有什么头寸产生的？A．商品期货B. 公司债券C. 股权D. 政府债券5 某个银行持有美国房利美发行的按揭抵押债券，从市场风险角度来看，泰银行持有的债券仓位可能面临哪些市场风险？A 利率风险B 利率风险和汇率风险C 利率风险、汇率风险、股票风险D 利率风险、汇率风险、股票风险和商品风险6 与现金工具相比，衍生工具具有以下特点A 更低的信用风险、融资要求、资本占用和交易成本B 更高的流动风险和信用风险C 更高的流动性和信用风险D 更低的流动性和信用风险7 下列哪项是对债券的正确描述？A. 收益率高的债券相对风险较低B. 风险较高的债券流动性较高C. 风险较低的债券收益率较低D. 国债的收益率、流动性和安全性都高8 银行监管部门在对于银行开发的新产品进行审批时，其审批程序通常会考虑以下A 对监管资本的影响和税收处理B 市场的大小和潜在客户的接收程度C IT系统的要求和会计程序D 法律和稳健程序9 某个银行持有一份期权，该期权的购买成本为5元，行权价为20元，系欧式期权。
如果期权到期是标的资产的价格为21元，该银行是否行权A 行权，这时银行总的利润为1元B 行权，尽管银行亏损了4元C 不行权，因为反正亏损了D 不行权，因为行权并没有带来利润10 利率互换中，名义本金通常A. 在截止日期交换B. 在开始日期交换C. 不交换D. 在第一个互换期结束时交换11 关于组合的资产风险分散化，下面哪种说法是正确的？A 适当的分散化可以减少或消除系统风险B 随着更多的证券加入组合，总风险可能会下降，但是下降的幅度越来越小C 分散化降低了组合的预期收益，因为分散化减少了资产组合的总风险D 资产组合中至少含有30种独立的证券，多样化减少风险的好处才有意义。
icbrr冲刺模拟题――第二部分交易市场风险原理与监管知识.
icbrr冲刺模拟题――第二部分交易市场风险原理与监管知识.第二部分交易市场风险原理与监管知识第四章1 一般市场风险包括下面哪四种不同种类？A 利率风险、结算风险、汇率风险、股票风险B 利率风险、汇率风险、流动风险和股票商品价格风险C 利率风险、汇率风险、商品风险和股票风险D 利率风险、汇率风险、结算风险、流动性风险2 下面哪些事项属于特定风险A 利率风险B 政策风险C 购买力风险D 经营风险3 市场风险一般可以分解成下面哪两部分？A 集中度风险和分散型风险B 特定风险和系统性风险C 非系统风险和整体风险D 剩余风险和转移风险4 资产净值风险是由于持有什么头寸产生的？A．商品期货B. 公司债券C. 股权D. 政府债券5 某个银行持有美国房利美发行的按揭抵押债券，从市场风险角度来看，泰银行持有的债券仓位可能面临哪些市场风险？A 利率风险B 利率风险和汇率风险C 利率风险、汇率风险、股票风险D 利率风险、汇率风险、股票风险和商品风险6 与现金工具相比，衍生工具具有以下特点A 更低的信用风险、融资要求、资本占用和交易成本B 更高的流动风险和信用风险C 更高的流动性和信用风险D 更低的流动性和信用风险7 下列哪项是对债券的正确描述？A. 收益率高的债券相对风险较低B. 风险较高的债券流动性较高C. 风险较低的债券收益率较低D. 国债的收益率、流动性和安全性都高8 银行监管部门在对于银行开发的新产品进行审批时，其审批程序通常会考虑以下A 对监管资本的影响和税收处理B 市场的大小和潜在客户的接收程度C IT系统的要求和会计程序D 法律和稳健程序9 某个银行持有一份期权，该期权的购买成本为5元，行权价为20元，系欧式期权。
如果期权到期是标的资产的价格为21元，该银行是否行权A 行权，这时银行总的利润为1元B 行权，尽管银行亏损了4元C 不行权，因为反正亏损了D 不行权，因为行权并没有带来利润10 利率互换中，名义本金通常A. 在截止日期交换B. 在开始日期交换C. 不交换D. 在第一个互换期结束时交换11 关于组合的资产风险分散化，下面哪种说法是正确的？A 适当的分散化可以减少或消除系统风险B 随着更多的证券加入组合，总风险可能会下降，但是下降的幅度越来越小C 分散化降低了组合的预期收益，因为分散化减少了资产组合的总风险D 资产组合中至少含有30种独立的证券，多样化减少风险的好处才有意义。
ICBRR练习题
2
A B C D 解析
3 A B C D 解析
4
A B C D
解析
A，这里要求计算的是预期损失率，就是 2%的违约概率*50%的违约损失率， 1%。 如果贷款价值比（LTV）是 75％，估值折扣是多少？ 75% 100% 25% 无法确定 C，1-LTV 比就是抵押品的估值折扣 国家银行检验局，属于金融业的监管机构，正在评估一个将用来评估商业和大 型的中小企业贷款的标准信用资产组合风险管理软件，为达到监管的目的将强 制所有银行使用该标准软件进行投资组合的压力测试。以下四个选项中哪一个 通常是复杂的信用资产组合模型所包括的： 违约风险、迁移风险、利差风险和清偿风险 违约风险、迁移风险、宏观经济风险和清偿风险 违约风险、迁移风险、宏观经济风险和法律风险 违约风险、迁移风险、利差风险和交易风险 A 信用评级分析师要确定一个新的三年期贷款的预期违约久期，其第一年发生违 约的可能性为 2％，第二年发生违约的可能性为 3％，第三年发生违约的可能 性为 5％。该三年期贷款的预期违约久期是多少么？ 1.5 2 2.3 2.5 C， （2%*1+3%*2+5%*3）/（2%+3%+5%）=2.3 信用分析师要确定其银行是否承担了过多的信用风险。以下四个战略中的哪一 个通常会提供最便捷的方法来量化银行的信用风险暴露？ 以总的对外授信额度和限额来匡算 通过 CVaR 来计算 通过信用风险资本充足率指标来计算 通过 RAROC 方式来匡算 A，最简单直接的方法是使第一种 不考虑信用违约互换（CDS）保障卖方的信用质量，以下哪个公式能够正确估 计了一个无风险产品的收益率： 风险债券 – 信用违约互换（CDS） 风险债券 + 信用违约互换（CDS） 信用违约互换（CDS） - 风险债券 信用违约互换（CDS）* 风险暴露 – 风险债券
2022-2023年银行招聘之银行招聘职业能力测验考前冲刺模拟卷含答案讲解
2022-2023年银行招聘之银行招聘职业能力测验考前冲刺模拟卷含答案讲解单选题（共20题）1. 可转让支付命令账户简称为（）。
A.CD账户B.NOW账户C.SNOW账户D.Q账户【答案】 B2. The revolution of machinery could __________without a new source of both movable and constant power in the new century.A.be bornB.not have been bornC.have been bornD.have born【答案】 B3. 1万元贷款，年利率是10%，用复利计算，只要经过7．2年，原先的1万元贷款就变成了2万元，再经过7．2年，就会变成（）。
A.3.8万元B.4万元C.4.2万元D.4.4万元【答案】 B4. 一种文化决不能靠_其他文化而得到真正的发展。
有没有容纳外来成分的气魄，能不能_和消化新的分子而又并不机械照搬、盲目崇洋，正是衡量一种文化有没有生命力的标准。
A.排挤吸收B.排斥吸纳C.排挤吸纳D.排斥吸收【答案】 D5. 有哲学家指出，人生其实应该追求两个简单：物质生活的简单和人际关系的简单。
有了这两个简单，心灵就拥有了广阔的空间和美好的宁静。
但是，大多数现代人却在这两方面很复杂。
物质生活上是对财富的无穷追逐，人际关系上是利益的不尽纠葛。
两者几乎占满了生活的全部空间，而有了这两种复杂，就产生了现代人的大部分烦恼。
A.大多数现代人的心灵或者没有广阔的空间.或者没有美好的宁静B.有些现代人生活很复杂。
但却拥有心灵的广阔和宁静C.只有在物质生活或人际关系两方面简单了，现代人的大部分烦恼就不会产生D.如果在物质生活和人际关系两方面都简单了，现代人的大部分烦恼就不会产生【答案】 C6. 在某操作系统中对内存采用页式存储管理方法，所划分的页面大小（）。
A.要根据内存大小而定B.必须相同C.要依据CPU的地址结构而定D.要依据外存和内存而定【答案】 B7. LANDSCAPING FIRMA.SubstitutingB.replacingC.alternatingD.displacing【答案】 A8. 下列关于公司的表述，正确的是（）A.子公司不具有法人资格B.分公司具有独立承担民事责任的资格C.一个自然人只能投资设立一个一人有限责任公司D.一人有限责任公司的注册资本最低限额为人民币十万元。
ICBRR模考题(1)及答案
A
C
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B
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B
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左右，那么要进行这些交易的话，这些交易最低平均数（RAROC）可以 为多少？ A 15% B 10% C 8% D 5% 某风险经理正在对一个多头固定收益组合的 VaR 进行测量，在对初步计 算进行检验时， 发现该组合中约 20%的固定收益证券表现为可以提前按 照面值被回售，而且该因素没有在 VaR 初步计算中被考虑。那么在考虑 了该因素后，组合的 VaR 会发生怎养的变化？ A 没有变化 B VaR 变大 C VaR 变小 D VaR 失效 银行的资金部门通常需要对银行进行资产负债管理，那么，资产负债风 险通常属于下面哪种风险之列 A 市场风险 B 操作风险 C 信用风险 D 清算风险 长期资本管理公司由于采用了滚动对冲策略，导致了最终紫金链断裂而 倒闭。对于滚动对冲，下面哪项描述是正确的 A 滚动对冲产生了较高的人员风险而引起了资金断裂 B 滚动对冲产生了较高的模型风险而引起了资金断裂 C 滚动对冲产生了较高的对家风险而引起了资金断裂 D 滚动对冲产生了较高的基差风险而引资了资金断裂 在银行中负责票据和资金结算部门的通常属于下面哪项 A 前台 B 中台 C 后台 D 内审部门 全球主要交易货币中，美元交易在市场中占比 86%，欧元 37%，日元 17%，英镑 15%。则可以推测，美元在所有市场货币交易中的占比为 A 14% B 43% C 50% D 28% 某银行目前持有的债券组合久期为 5， 面值为 10 亿， 市场价值为 11 亿， 为了完全对冲该组合的利率风险，该银行应该选择下面哪个具体方式 A 以固定利率支付方进入名义金额为 10 亿的利率互换 B 以浮动利率支付方进入名义金额为 10 亿的利率互换 C 以固定利率支付方进入名义金额为 11 亿的利率互换 D 以浮动利率支付方进入名义金额为 11 亿的利率互换
icbrr冲刺模拟题——第四部分信用风险管理与监管
B 声誉风险
C 法律风险
D 业务中断风险
5
BASEL I和BASEL II比较，下面哪个不是主要的区别
A关注单一风险量化
B风险敏感较低
C仅仅针对信用风险
D非法律强制性规定
6
下面哪项未纳入支柱1最低资本要求的计算范围
A AAA级信用评级客户的贷款
B私人银行的操作风险
C银行账户的利率风险
D银行交易账户的利率风险
D欧盟内所有活跃的国际银行
17
美国货币监理委员会负责的监管银行，目前使用BASEL I和一个杠杆比率，一旦比率被突破
A则银行需要自己评估影响
B启动“即时纠正行动”程序
C启动“资产保全”程序
D启动“合格资本改善行动”程序
第十四章
1
根据BASEL II，大部分政府债券的信用风险被认为是
A无风险的
B与公开信用评级相关
A合格资本会下降发行长期次级债券扩大资本规模
B合格资本会上升发行累计优先股扩大资本规模
C合格资本会上升无需采取其他行动
D合格资本会下降发行股票融资扩大合格资本规模
23
巴塞尔委员会通过什么方式与银行一起对所提议的监管办法可能造成的后果进行评估
A定性影响研究
B征求意见影响研究
C定量影响研究
D征求意见“文案研究”
7
下面哪项不属于支柱2涉及的范围
A未包含在支柱1的其他资本要求
B银行账户利率风险检查要求
C处理正在显现风险所采取的早期行动
D针对银行资产的收益率进行监管
8
BASEL II协议支柱3市场纪律的定义为
A政府监管直接干预的治理行为
B在没有政府监管直接干预下的市场自发治理行为行为
icbrr冲刺模拟题第六部分 监督与管制
B支柱2
C支柱3
D支柱2和支柱3
4
第二支柱特别适合于处理以下领域
A 贷款集中风险
B 例如银行账户中的利率风险、业务和战略风险
C 银行的外部因素，例如经济周期效应
D 银行信息的对外披露程度
5
银行内部评估程序要评估
A目前的资本要求
B将来的资本要求
C目前和将来的资本要求
D历史、目前和将来的资本要求
16
信用集中度风险在BASEL II中的那个层面做出了规定
A支柱1
B支柱2
C支柱3
D都没有说明
17
对于压力测试，
A由于仅仅是VaR的一个补充，无需进行全面检测
B银行内部的合理检测就可以保证压力测试的准确
C监管当局应该对压力测试的全过程进行检查
D需要中介机构的评估并发表意见
18
通过抵押和担保以及信用衍生工具，银行的信用风险可以
第六部分监督与管制
第二十五章
1
支柱2规定了
A 监管的25条原则
B 监管的4条原则
C 利率风险管理和监管的原则
D 信用风险管理的原则
2
对信用集中度风险的资本要求
A 由国家监管当局确定
B 由支柱2确定
C 包括在支柱1中
D BASEL II忽略这个风险
3
从BASEL II的3个支柱来看，真正涉及到风险管理领域的是
6
银行的管当局
C风险管理人员
D董事会
7
对于不能被计量的实质风险暴露，应该
A忽略
B作为表外处理
C提高资本比率
D估计
8
建立有效的内控程序和风险管理程序是谁的责任
A管理层
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第一章答案B1 关于银行和金融服务公司之间的关系，下述表述中不正确的是哪个？A 银行是指持有执照并从事存贷款及支票签收、发等业务结构B 金融服务公司提供除银行以外业务的包括保险、养老金等金融产品机构C 银行一定是一种金融服务公司，而金融服务公司不一定是银行D 对银行的监管和对金融服务业监管是不同的B2 关于下面的描述，正确的是I 风险代表的是产生负面结果的可能性，而且是可以估计的II 风险事件将会给银行带来直接和间接的损失，最终都体现在财务损失III 非金融产品和金融产品的监管都是为了保护消费者，没有其他区别IV 银行监管不仅会对这个行业的产品和服务，对其中的每一个机构都会进行比较严格的监管A II和IIIB I 和 IVC II 和 IVD IVD 3 银行的资本结构不像其他传统产业可以自由选择，一般都受到最低资本要求和最低流动性水平要求；制定这些要求的是A 银行董事会B 银行股东大会C 行业协会D 所在地监管当局D II协议适用于银行的监管，并不适用于金融服务业。
但是从目前来4 BASEL看，将BASEL II覆盖大约8800家信用机构和2200家投资公司的，是A 日本B 美国C 英国和英联邦体系D 欧盟C5 银行的经营失败在给银行职员、客户以及雇员造成立即损害的同时，给整个宏观经济带来损害的风险，这个风险叫做A 挤兑风险B 联系风险C 系统性风险D 整体风险D6 下面各个描述错误的是I 对于银行的监管，监管当局需要考虑资本与流动性水平，通常把银行资本和贷款的一定比例联系，但这会忽略贷款的风险水平II 风险越高，需要的资本就越多III 违约率和就业率成反比，和市场利率呈正比，和宏观经济向好度呈反比A IIIB I 和IIIC I II IIID 上面都正确，没有错误C 7 BASEL I只涵盖了信用风险，并提出了8%的资本充足率水平；下面的那些业务是不包括在BASEL I协议中的A 持有的政府债权B 持有的其他银行债权C 持有的股权和期权D 持有的企业及个人债权A 8 由于衍生产品的发展和期权定价模型的出现，推动了银行的风险发展水平和能力，为此，1996年的市场风险修正案鼓励监管当局评估并接受银行以下的哪一种风险定价模型A 风险价值VaRB 资本资产定价模型C 信用矩阵D 默顿模型B II 协议中用以计算资本充足率的风险不包括下面哪一种？9 BASELA 市场风险B 业务风险C 操作风险D 信用风险D 10 1988年的BASEL I和2004年的BASEL II所共同覆盖的风险为下面的哪一种？A 市场风险B 业务风险C 操作风险D 信用风险B 11 BASEL II和BASEL I相比，有着很大的不同，下面哪个不属于其中的区别？A 更具弹性从而能够适应不同银行的需要B 具有强制性的合规性要求C 更高的风险敏感性D 关注于银行的内部风险识别和衡量方法C12 市场风险包括哪几个具体的风险因素？A 利率风险、流动风险、汇率风险和价格风险B 利率风险、汇率风险、价格风险和衍生产品风险C 利率风险、汇率风险、股票价格风险和商品价格风险D 利率风险、流动风险、汇率风险和结算风险C13 以国债的收益率曲线来看，一般来说，期限越长，利率则会A 越低B 水平不变C 越高D 没有规律可言14 某个银行希望持有某五年期的债券，要考虑不同期限的融资渠道来满足上C 述的投资，如果假定正确估计的正在不断上升的市场利率，问该银行应该采取下述哪个的融资策略？A 发行五年期固定利率的债券筹措资金B 发行五年期浮动利率的债券筹措资金C 发行十年期固定利率的债券筹措资金，即长借策略D 发行短期融资券筹措资金，即短借策略A 15 沿用上面的案例，从资产负债管理的角度来看，且对于市场收益率的变动无法准确预测，该银行应该采取何种策略A 发行五年期固定利率的债券筹措资金B 发行五年期浮动利率的债券筹措资金C 发行十年期固定利率德债券筹措资金，即长借策略D 发行短期融资券筹措资金，即短借策略C 16 银行所承担的利率风险，除了来自于自营业务，即银行的交易账户，还来自于基础业务。
下面哪种银行基本业务面临着利率风险A 提供网上支付工具并向客户收取相应的费用B 异地汇款业务C 存贷款业务D 货币兑换业务B17 信用风险和利率风险相比，具有以下那些特性I 信用风险一旦发生，造成的损失更大，因此信用风险成为了银行面临的最大风险II 信用风险发生的概率肯定大于市场风险事件发生的概率III 从组合的角度来看，信用风险的发生往往更倾向于非系统性事件，而市场风险的发生更倾向于系统性事件A I IIB I IIIC II IIID IC18 信用风险的缓释手段不包括下面哪一种A 单笔贷款评级和贷款组合管理B 证券化和抵押品C 增加资产的内生流动性D 现金流监控和清收管理C19 通过信用评级模型，银行不可能做到下述哪一项A 估计贷款的违约概率B 预计贷款的信用损失C 确定贷款组合准确的最大损失D 支持银行贷款的决策和贷款利率的确定B20 贷款组合管理的基本指导思路为下面的哪个选项A 集中资源分配在优势企业B 资产的分散，集中度风险下降C 整合组合中各种资产的优势D 通过组合管理提升整个组合加权平均回报水平21 资产证券化能给银行的风险管理方面带来怎样的好处？DI 提高银行的流动性II 改善信用风险状况III 提升银行的资产负债管理水平IV 降低认为风险过高业务的风险暴露，通过出售资产把资金配置到其他低风险资产A I IVB I II IVC II III IVD I II III IVC22 下面哪些因素能够提高抵押物的价值I 抵押物在市场上具有更加高的流动性II 抵押物在市场上存在着较低的可销售性III 抵押物的市场价值波动较高IV 抵押物价值和借款人经营状况关联度较低A I II IIIB I IIC I IVD III IVB 23 现金流监控和清收管理分别能够直接影响信用风险的三大驱动因素中的哪些因素？现金流监控清收管理A 风险暴露违约概率B 风险暴露违约损失率C 违约损失率违约概率D 违约损失率风险暴露C24 BASEL II的操作风险包括以下哪些方面I 系统风险和人员风险II 外部事件风险III 内部程序风险IV 战略风险V 法律风险A I II IIIB I II III IV VC I II III VD I III IV VB 25 BASEL II除了针对操作风险，还规定了其他的风险，下面哪个风险不属于其它风险A 战略风险B 法律风险C 业务风险D 声誉风险B 26 A银行目前正打算把业务扩展到日本市场，并推出在本国市场反响良好的带有本国文化特色的金融产品，该银行正面临什么风险？A 信用风险和市场风险B 战略风险和业务风险C 战略风险和集中度风险D 市场风险和操作风险C27 银行账户的利率风险主要来自于A 银行债券账户的价值B 银行持有的衍生产品的价值C 银行本身业务的结构D 银行持有的证券化资产的级别和结构C 28 在经济繁荣的时候贷出过度的款项，而在经济衰退时成为坏账，并削减了银行的资本，使其在贷款能力下降。
这种现象叫做A 挤出效应B 羊群效应C 经济周期伴随效应D 经济周期效应D 29 2002年，美国继安然和世通公司财务丑闻事件披露后，为企业财务信息披露设定标准和要求的规定是A 巴塞尔协定B 格拉斯法案C 国际会计准则D 萨班斯-奥克斯利法案C30 银行的风险事件很容易导致系统性风险，这主要是因为A 银行联系着很多个人客户B 银行联动着很多公司客户C 银行和国内经济直接联系D 银行和国际经济直接联系第二章C 1 国际清算银行的职能除了实施布雷顿森林协议并对国际清算进行监管，还包括其它的职能。
下面哪些不属于国际清算银行的职能范围A 促进货币政策合作方面发挥作用B 充当各国中央银行的国际银行C 充当各国主要金融产品的做市商D 充当欧洲货币体系的中介D2 清算风险又被称为A 信用风险B System风险C 市场风险D Herstatt风险B 3 Herstatt银行的倒闭促成了巴塞尔委员会的成立，在成立之初，巴塞尔委员会代表了来自A G10国家的首脑B G10国家的中央银行以及银行监管者C G8国家的中央银行以及银行监管者D G8国家的首脑C4 组成巴塞尔委员会的代表不包括下面哪个国家A 日本B 荷兰C 俄罗斯D 卢森堡A 5 在日本的A银行其银行总部位于美国，那么对于A银行而言，在巴塞尔委员会颁布的《银行和外国机构监管规则》中，日本的监管机构和美国的监管机构分别被称之为日本监管机构美国监管机构A 东道国监管机构母国监管机构B 母国监管机构东道国监管机构C 联合监管机构独立监管机构D 协定国监管机构定约国监管机构B6 巴塞尔委员会的目标是A 建立全球各个跨国银行必须遵守的监管体系B 取消监管之间差异并确保充分监管C 建立全球主要银行必须遵守的风险管理体系和内控流程D 鼓励各个国家银行之间相互参股并混业经营C 7 巴塞尔委员会拥有哪些权利？A要求G10国家银行监管当局采纳巴塞尔委员会的标准B对G10国家的主要银行进行监管检查，对违规行为实施惩罚措施C规范监管标准和指南，以及推荐最佳实践D推荐整套最佳管理方案，并要求各个银行一旦采纳必须完全遵循A I协议为银行的运作体出了一个通用的资本框架，其中所实施的最8 BASEL低资本标准是？A 根据银行信用风险资产的8%得出的最低资本B 根据银行整体风险资产的8%得出的最低资本C 根据银行信用风险和市场风险资产的4%得出的最低资本D 根据银行除操作风险以外的其他风险资产的4%得出的最低资本B9 银行的一般贷款损失准备金是银行持有的用以覆盖难以完全量化的未来可能损失的资金，这类损失准备金A 不可以作为资本充足率资本的一部分B 可以作为资本充足率资本的一部分C 只有银行利润率达到8%以上时，才能作为资本充足率资本的一部分D 巴塞尔协议并没有对此做出详细说明A10 巴塞尔委员会发布的针对双边净额结算和多边净额结算协议的修订案，主要是用来认可银行对于A 衍生产品的信用暴露的处理B 市场风险的市场暴露的处理C 操作风险的风险暴露的处理D 业务风险的风险暴露的处理D11 1996年巴塞尔委员会市场风险修正案将下列哪些银行持有的头寸相应的市场风险纳入协议中I 交易账户债券II 银行账户债券III 外汇和期权IV 商品和股票V 银行表外业务中的保函业务A I III VB I II VC I III IV VD I III IVB12 市场风险修正案首次允许银行在满足一系列定性和定量标准后，可以以下述那种模型为基础计量市场风险资本要求？A 敏感分析B 风险价值C 压力测试D 久期分析B13 2004年颁布的巴塞尔新资本协议提出了三大支柱，包括A 信用风险、市场风险、操作风险B 最低资本要求、监管检查、市场纪律C 资本监管、行业监管、流程监管D 公司治理、混业经营、分业监管B14 BASEL II的资本计算覆盖了下面哪些风险A 信用风险、操作风险、其他风险B 信用风险、市场风险、操作风险C 信用风险、市场风险、其他风险D 市场风险、操作风险、其他风险15 下面哪个国家或地区在通过立法确保BASEL II实施方面最为严格 BA OECDB 欧盟C G8集团D 北美自由贸易区D 16 除了制定巴塞尔协定和资本协议外，巴塞尔委员会的工作不包括下面哪项？A 电子银行B 客户尽职调查C 会计披露的审慎实践D 国际贸易单据规范第三章1 资本负债率是通常代表了银行杠杆经营的程度。