b. The increased value of fixed assets is re-evaluated according to the provisions of law.
c. The increased value of investment securities is revalued according to the provisions of law.
d. The increased value of contributed shares is revalued according to the provisions of law.
20. Why is the interest rate of commercial banks' demand deposits higher than the interest rate of term deposits?
a. Smaller capital size
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b. Shorter time
c. The opportunity for banks to make profits is low because they are not proactive in business.
d. All a, b, c are correct
21. Which of the following interest rates is considered the risk-free interest rate?
a. Basic interest rate of State Bank
b. Treasury bill interest rate
c. Long-term credit interest rate
d. Short-term credit interest rate
22. In asset lending, commercial banks or finance companies provide directly to customers:
a. Machinery, equipment, means of transport.
b. Cash
c. Credit card
d. All a, b, c are correct
23. In case a commercial bank lends to a customer without collateral and there is a risk due to objective reasons, which agency will handle that loan:
a. State Bank of Vietnam
b. Government
c. National Assembly
d. Local government
24. When the debt payment deadline comes and the customer fails to pay the debt, unless otherwise agreed, the Commercial Bank has the right to:
a. Handling of assets securing loans according to the contract
b. Require the guarantor to perform its obligations
c. Freeze the borrower's account for handling according to the law.
d. All a, b, c are correct
25. The loan term of commercial banks for production, business and service organizations may be shorter than the operating cycle of the products, goods and services of the production, business and service organizations because:
a. Large scale enterprises
b. Branded business
c. Debt repayment plan of enterprises with debt repayment source from profits
d. All a, b, c are correct
26. For the need to borrow capital to compensate for the shortage of working capital of the enterprise, the loan capital of commercial banks is:
a. Partially transfer to the enterprise's production and business costs throughout the production and business cycle
b. Fully transferred to the enterprise's production and business costs throughout the production and business cycle
c. Partial transfer into production stage
d. Partial transition into consumption stage
27. Commercial banks must study the characteristics and purposes of borrowers to:
a. Determine the appropriate loan term
b. Have measures to manage loans for the right purpose
c. Check the loan usage status
d. All a, b, c are correct
28. The loan term of a commercial bank loan includes
a. Disbursement period
b. Grace period
c. Repayment period
d. All a, b, c are correct
29. The loan term is the period of time from the date of
a. Customers start receiving loan capital until they receive the loan capital according to the loan contract.
b. The customer begins to receive the loan until the customer begins to repay the loan according to the loan contract.
c. Customers begin to receive loan capital until they have fully paid off the loan principal and interest according to the loan contract.
d. None of the above is correct.
30. Which of the following documents proves the bank's ability to absorb loans?
a. Business registration certificate
b. Production and business plan
c. Accounting reports for the last 3 periods
d. Land use rights certificate
31. Which of the following documents proves the customer's financial capacity?
a. Business registration certificate
b. Production and business plan
c. Accounting reports for the last 3 periods
d. Land use rights certificate
32. Which of the following documents is related to customer loan security?
a. Business registration certificate
b. Production and business plan
c. Accounting reports for the last 3 periods
d. Land use rights certificate
33. The borrower's transfer of assets under his ownership to the lender to secure the loan is a form of
a. Pledge
b. Mortgage
c. Guarantee
d. Discount
34. The borrower using his/her own property to secure a loan to the lender and not transferring that property to the lender is a form of
a. Pledge
b. Mortgage
c. Guarantee
d. Discount
35. Which of the following assets is not mortgaged property?
a. Housing, construction works
b. Land use rights value
c. Assets formed in the future from real estate
d. Right to exploit natural resources
36. Which of the following assets is not a mortgaged asset?
a. Housing, construction works
b. Land use rights value
c. Assets formed in the future from real estate
d. Right to exploit natural resources
37. The commercial bank's operation of paying in advance for valuable documents that have not yet reached maturity at the request of the document owner by immediately deducting a certain amount of money is called
a. Pledge
b. Mortgage
c. Guarantee
d. Discount
38. The remaining value of the discount voucher is calculated by
a. Value of documents - discount commission
b. Document value - discount rate
c. Document value - discount interest
d. Document value - discount fee
39. The disbursement period and grace period must not exceed
a. ¼ loan term
b. ½ loan term
c. ¾ loan term
d. Loan term
40. In case the commercial bank grants a grace period for some initial terms of the investment credit:
a. The principal is paid in decreasing installments over the remaining terms.
b. The principal is paid in increasing installments over the remaining terms.
c. Principal is paid equally over the remaining terms.
d. Principal is paid in one lump sum at the end of the grace period.
41. In case the investment credit is granted a grace period for some initial terms by the commercial bank, both principal and interest are granted a grace period:
a. Interest accrued during grace periods will be divided and paid equally in the remaining periods.
b. Interest accrued during grace periods will be accumulated and paid in one lump sum on the first repayment period.
c. Interest accrued during grace periods will be accumulated and paid in one lump sum on the final repayment date.
d. Customers pay interest whenever they have money.
42. In investment credit, the source of debt repayment is taken from the revenue generated by the project, including:
a. Total KHTSCD money
b. Depreciation of fixed assets formed from borrowed capital
c. Depreciation of fixed assets formed from borrowed capital + net profit after deducting the provisions for funds according to regulations
d. Net profit after deducting the provisions for funds as prescribed
43. The method of debt collection in which the principal is distributed equally and interest is calculated on the balance is the method:
a. Decreasing period
b. Increasing period
c. Fixed term
d. All three methods above
44. The method of debt collection in which the principal is distributed equally and interest is calculated based on the principal repaid is the method:
a. Decreasing period
b. Increasing period
c. Fixed term
d. All three methods above
45. The method of debt collection in which the principal and money are distributed equally is the method:
a. Decreasing period
b. Increasing period
c. Fixed term
d. All three methods above
46. In which of the following cases are commercial banks not allowed to auction mortgaged or pledged assets?
a. When the final due date comes and the borrower fails to pay off the debt
b. Need to collect debt before due date but borrower does not have money to pay
c. Group 5 debt (debt with potential loss of capital)
d. All a, b, c are correct
47. Which of the following is a characteristic of non-cash payment?
a. The movement of money is independent of the movement of goods in both time and space.
b. The intermediary appears only in the form of pen money (book money) and is recorded on documents and books.
c. Commercial banks are the ones who organize and make payments.
d. All a, b, c are correct
48. Which means is the payment order of the account holder made according to the form prescribed by the State Bank in which money is transferred from
a. The beneficiary's account pays the bank
b. The account of the paying unit pays to the beneficiary
c. Bank account paid to beneficiary
d. All three means above
49. If the beneficiary does not have an account at the bank:
a. The payee cannot use the check.
b. The beneficiary submits the check to the collection unit in the payment area of the province or city where the beneficiary resides.
c. The beneficiary submits the check to the payment unit in the payment area of the province or city where the beneficiary resides.
d. The beneficiary submits the check to the collection unit or payment unit in the payment area of the province or city where the beneficiary resides.
50. Which means of payment is carried out on the basis of invoices and documents prepared by the seller and sent to the commercial bank to request the collection of money from the buyer for delivered goods and provided services in accordance with the payment conditions stated in the economic contract?
a. Czech
b. Payment authorization
c. Collection authorization
d. Payment card
51. In payment by UNT, if the buyer's account does not have enough money to make the payment, the buyer must wait until the account has enough money to make the payment and at the same time calculate the penalty amount for the seller according to the following formula:
a. Late payment penalty = UNT amount * number of late days * late payment penalty rate
b. Late payment penalty = UNT amount * number of late days / late payment penalty rate
c. Late payment penalty = UNT amount * number of days late
d. Late payment penalty = UNT amount * late payment penalty rate
52. Payment methods between customers via commercial banks are:
a. The commercial bank transfers money from the payee's account to the beneficiary's account through banking operations.
b. The commercial bank transfers money from the bank's account to the customer's account to pay the beneficiary through banking operations.
c. The commercial bank transfers money from the beneficiary's account to another bank related to the customer during payment.
d. All a, b, c are correct
53. In payment transactions using UNC, if the payment order is in the form of a paper document:
a. The payer must make the payment in accordance with the form and with the amount specified by the bank serving the payer.
b. The bank serving the payer is responsible for guiding customers to create and process payment orders at its unit in accordance with the regulations of the commercial bank.
c. Both a and b are correct
d. Both a and b are wrong.
54. In payment transactions using UNC, if the payment order is in the form of an electronic document, then
a. Must meet data standards specified by the bank serving the payer.
b. Must comply with the regulations on the establishment, use, control and processing of electronic documents prescribed by the State Bank.
c. Both a and b are correct
d. Both a and b are wrong.
55. Payment by UNT is also known as:
a. Payment request
b. Collection
c. Payment
d All a, b, c are correct
56. Payment by letter of credit is
a. An economic contract
b. A civil contract
c. A conditional commitment letter opened by the Bank at the request of the payment service user.
d All a, b, c are correct
57. You have an ATM card issued by Vietinbank Khanh Hoa branch, you use it to pay your monthly phone bill for Vinaphone Nha Trang. You are rejected when:
a. Your account has balance
b. Vinaphone has signed a card acceptance contract with Vietinbank Khanh Hoa
c. Vinaphone did not sign a contract to accept cards with Vietinbank Khanh Hoa d. All a, b, and c are incorrect.
58. To minimize risks, commercial banks often apply measures
a. Diversify credit activities to make credit activities support each other to eliminate some risks (reverse measures)
b. Risk transfer
c. Participate in deposit insurance d. All a, b, c are correct.
59. The following sentence fully states the instruments of the derivative financial market:
a. Futures contracts, swap contracts
b. Forward contracts, swap contracts, futures contracts
c. Forward contracts, swap contracts, futures contracts, options contracts d. All a, b, c are correct
60. Derivative financial market instruments are formed and traded based on the trading platform of
a. Goods
b. Foreign currency
c. Securities
d All a, b, c are correct
61. The infrastructure of the derivatives market is:
a. “Hardware” infrastructure: the basis for forming the exchange and the means of trading
b. “Software” infrastructure: legal basis, legal regulations
c. Both a and b are correct
d. Both a and b are not complete.
REFERENCES
1. Nguyen Thi Mui (2006), Commercial banking operations , Finance Publishing House
2. Nguyen Minh Kieu (2005), Banking operations , Finance Publishing House
3. Phan Thi Cuc (2008), Exercises - Solutions for commercial banking operations, Bank credit, Ho Chi Minh City National University Publishing House
4. Nguyen Dang Don (2009), Commercial banking operations , Ho Chi Minh City National University Publishing House