1. A survey of 4,000 households in Shanghai shows that only 1% people are willing to be workers, and their employment intentions are government agencies, institutions, financial insurance, etc. A person concerned from the State Council Development Center said that this shows that the influence of traditional concepts such as "official standard" is deeply rooted. What do you think of this?

As a civil servant candidate, I think this question is very realistic. Indeed, at present, many people in China want to enter government agencies, institutions and financial institutions. But we should look at this objectively. China's thought of "official standard" has a long history, and it can't be achieved overnight. We will gradually guide and reform through various means.

1. The reason why the idea of "official standard" is enduring is that officials themselves have many privileges and enjoy special social resources. Since the reform and opening up, we have always emphasized breaking the "official standard". Dr. Sun Yat-sen has long proposed to do great things instead of being a big official, but the reality is that "official standard" is still prevalent in our country. The reason is that our system construction is still not perfect, and we haven't really managed and supervised officials effectively, so that power can operate under constraints and under the "sunshine" according to law. There is no distinction between government and enterprise, between government and capital, between government and intermediary organizations. The result of existence is that the power of officials is everywhere.

2. Create a relaxed social environment so that every industry can develop healthily and people in the industry can achieve something. At present, China has experienced 30 years of reform and development, but we find that jobs other than civil servants in developed areas such as Beijing, Shanghai, Guangzhou and Shenzhen are more attractive. In other fields, government civil servants still hold an extremely lofty position. Through deepening the reform, the government will change its functions, realize the transformation from management to service, and better serve the social development. When other industries in society develop well, people will naturally dilute the "official standard". We found an obvious phenomenon, that is, the idea of "official standard" is often weak in developed local areas, which reveals the importance of the government serving social and economic development in promoting the improvement of the idea of "official standard".

3. Strengthen the supervision and management of officials' work, and let the power run under the "sunshine". Our neighbors Japan, South Korea and Singapore also have a strong "official standard" thought, but through modern legal supervision and management, the official standard thought has not hindered the development of these countries, but accelerated the progress. It can be seen that strengthening the restraint and scientific management of officials is to make the idea of "official standard" be used for social development. Why not?

It is reported that Chongqing, Shanghai, Nanjing and other places will no longer ban street stalls in urban areas. Do you agree or disagree with this view? Why?

Topic analysis comprehensively analyzes the test questions, actively explains and expounds them, and treats them dialectically.

Reasons for approval: Street stalls are convenient for people's lives and an important way for urban employment. I don't agree to cancel all street stalls. However, we should also take into account many problems brought by road stalls to urban management. We should focus on management, solve the problems existing in road stalls, and manage them through dredging. (1) Road stalls should focus on management and guidance, and improve the chaos of road stalls through strict law enforcement and enthusiastic services from various departments such as industry and commerce, taxation, health and urban management; At the same time, the lane-occupying stalls will be gradually transformed into fixed stalls, and the relevant government departments will carry out indoor transformation of the lane-occupying market and establish a closed commodity trading market when conditions are ripe. (2) Road stalls should be set according to different locations, different times, different projects and different requirements, rather than being banned; For different cities, different streets and different times, there should be specific measures for the management of road stalls, based on the principle of convenience for the masses without affecting residents' lives and urban management, and the specific situation should be analyzed in detail. (3) is conducive to the convenience of people's lives (such as minor repairs, etc. ); (4) It is helpful to solve some people's living problems in September.

Objection: (1) Road stalls should not be banned in large and medium-sized cities, but should be centralized in operation and unified in management; (2) The government should vigorously develop productive forces, develop social economy and solve the problems of unemployment and social security; (3) littering will hinder traffic; (4) Some road stalls will become sales places for "fake and shoddy" goods, causing losses to consumers and reducing national taxes.

3. Teams are important, but some teams are not effective. Why?

The idea of writing questions examines the comprehensive analysis ability of candidates and their understanding and understanding of the organization.

The thinking of answering questions analyzes the reasons and puts forward countermeasures according to different regions and personal knowledge.

1 Team is very important in any organization. For the reasons of poor team effect, we think there are the following points:

First, the internal responsibilities of the team are unclear, which leads to the unclear responsibilities of personnel, which not only affects the performance of the team, but also affects the relationship between employees.

Second, the team has an important responsibility in unity. "People don't walk without a head, and birds don't fly without a head." A good one plays a very important role in team unity. Instead, the team became a mess. Good mentality and ability are very important for the team to form cohesion and perseverance.

The third is the quality of team members and the ethos of the team. Unity, in the final analysis, is a human problem. Everyone has a relatively high quality, can proceed from the overall goal of the team, pay attention to the overall situation, and safeguard the interests and image of the team. If it is not conducive to unity, it is not far from the United and enterprising team.

Fourthly, if I am lucky enough to be a civil servant, I will persist in uniting with comrades, work hard, win the trust of my colleagues with my own work, carry forward my style in small matters, and become a civil servant recognized by my colleagues.

Examiners, I have worked in Yexian Statistics Bureau for three years, and I have also encountered bad team effects, such as questions. As an ordinary member of the team, from my own and bystander's point of view, the effect of our team at that time was not good, mainly for the following reasons: First, the structure of team members was not reasonable. Any organization should follow certain principles when it is established. For example, my father's army achieved joint leadership through the mutual cooperation and restriction of the two leadership positions of head and political commissar. At that time, the number of leaders in my statistical bureau was small, which led to insufficient unity among leaders. In addition, many leaders are not familiar with their own statistical work, which also causes employees to have a poor sense of identity with some leaders and it is difficult to form a joint effort. Secondly, team spirit and dedication are insufficient. Any perfect team will always face many new problems, and it is impossible to have a clear responsibility, especially in our government agencies, which is often "a thousand lines above and a needle below". In the case of unclear responsibilities and unclear circumstances, work first and then share responsibilities, pay attention to treatment first, and carry forward team spirit and dedication for the honor of the unit and the interests of the masses. After working in the past three years, I believe that if I am lucky enough to become a civil servant, I can respect the leaders, unite my colleagues, focus on the overall situation of my work, carry forward the team spirit and do my job well.

You are an employee of a company. A petitioner said that he had something to tell your leader, and he wouldn't leave until he saw the leader. At this time, the leader was in a meeting in other places, and when he left, he told him not to look for him unless there was anything important. How do you handle this?

Analysis: organizing and planning topics, focusing on comprehensive adaptability.

The core of this exam is the candidates' organizational planning ability and language expression ability.

Main line of answering questions: solving problems+before listening+during listening+after listening.

Warm reception.

Second, stabilize the mood of the petitioners. Of course.

Third, listen carefully to the opinions of the petitioners.

Fourth, carefully record (the problems reflected by the petitioners).

Fifth, publicity and explanation (as far as possible).

Sixth, if the petitioner is not satisfied with your efforts, you can tell him that the leader will not have a meeting outside today. I can convey your opinion. Please leave your contact information, and I will inform you when to meet the leader.

Seventh, sort out the detailed problem-solving written materials and report to the leaders when you come back.

The finishing touch of painting experts is to examine the ability of candidates to solve letters and visits independently. For temporary unexpected problems, calmly sort out ideas and report problems and solutions to leaders afterwards. I'm sure the leader will appreciate your ability to deal with problems.

5. What would you do if there were loopholes in a job you did and you spent a lot of manpower and material resources?

Analysis: organizing and planning topics, focusing on comprehensive adaptability.

The core of this question is the examinee's organizational planning ability and logical thinking ability.

Main line of answering questions: solving problems+before control+during control+after control.

In my opinion, we should be rigorous and meticulous in our work and establish a high sense of responsibility. We should prevent making big mistakes, especially in civil service work. This is the premise of doing a good job, and we must nip in the bud.

If this happens, I will remedy it like this:

First of all, I will stay calm and immediately suspend the ongoing plan to prevent further losses of financial and material resources of the unit;

Secondly, communicate with relevant leaders, colleagues and other work leaders, quickly find out the mistakes in the original work plan and the essence of various problems in implementation, prescribe the right medicine, and try to make up for the losses already caused;

Thirdly, to re-demonstrate the previous work depends on whether it is reasonable to continue to implement it after revision. If it is still feasible, continue to implement it after strictly correcting the shortcomings, and resolutely avoid problems that have arisen in the past; If it is not feasible, resolutely abolish the plan and decide on a new plan.

Finally, I will learn a profound lesson from this work, admit my mistakes to the leaders, accept criticism and punishment, improve my work level, and strive not to make the same mistakes again in the future.

The finishing touch of painting experts: this question belongs to stress test. Examine candidates' resilience and self-emotional control. The key is to investigate the root of the problem and implement the control measures.

6. You have a friend who asks you for help. He once helped you. He asked you to do something recently. This matter can be handled within your authority. What should you do if you don't fully comply with the policy according to the regulations, but you don't violate too many principles?

Analysis: planning and coordinating topics, focusing on language expression ability.

The core of this exam is the candidates' planning and coordination ability and language expression ability.

The main line of answering questions: solving problems+before asking for help+during asking for help+after asking for help.

If a friend entrusts me to do something that is not in line with the policy within my authority, I intend to deal with it like this:

First, first of all, I think we must adhere to principles and systems in our work. Within the scope permitted by the policy, you can help your friends solve their difficulties.

Secondly, because this matter is not too contrary to the principle, I will explain to my friend what he needs to do is not in conformity with the regulations, point out to him what adjustments or supplements need to be made, try my best to help my friend do the preliminary work, and then do it under the conditions that meet the regulations. If you violate the policy, it will bring serious consequences. Explain to your friends that you can't help.

Third, if I really can't help, I will find other opportunities to repay my friends, but I must not violate the policy principles.

Fourth, pay attention to what principles to establish between friends in the future.

The finishing touch of painting experts: everyone will always meet things that their friends need their help at work. The key is to grasp the principle of being a civil servant, and you can handle the relationship with your friends. Even if your friends dislike you for a short time, as long as you keep in touch with your friends, I believe your friends will forgive you eventually.

7. What do you think of the threatening letter you received in the process of administration according to law? How to deal with this kind of thing?

Analysis: planning coordination topics, focusing on logical thinking ability.

The core of this exam is the candidates' planning and coordination ability and logical thinking ability.

The main line of answering questions: solving problems+before investigation+during investigation+after investigation.

As an administrative law enforcement officer, in the process of law enforcement, we must adhere to administration according to law, fair law enforcement and fairness, which is the basic principle of a law enforcement officer's work.

If I receive a threatening letter in the process of administration according to law, I will take the following measures:

First of all, I will calmly deal with this matter and reflect on whether I have done something inappropriate in the implementation of laws and regulations or law enforcement actions, which has caused the dissatisfaction of the other party. If so, I will correct my mistakes in the process of handling the case.

Second, if the other party doesn't understand the relevant laws, regulations and policies, I will patiently explain and publicize the relevant laws and regulations in the process of handling the case until the other party understands it.

Third, if the other party intentionally writes threatening letters knowing the relevant policies, I will resolutely enforce the law in accordance with the relevant provisions of laws and regulations and will never be affected by bad atmosphere.

The finishing touch of painting experts: this question examines the principles that should be adhered to as administrative law enforcement personnel. Adhere to administration according to law, enforce the law impartially, and adhere to the principle of fairness and justice in the process of law enforcement, which is the basic principle of a law enforcement officer.

8. You're going to a meeting. There is a speech at the meeting, but there is a traffic jam on the road, so you can't go forward or backward. What should you do? Follow-up: When you got off the bus, you bumped into an old lady and fainted on the spot. What should you do?

Analysis: organizing and coordinating the topic, focusing on coordination ability.

The core of this exam is the examinee's ability of organization and coordination and language expression.

Main line of answering questions: solving problems+before participation+during participation+after participation.

If there is a traffic jam during the meeting, I will take the following measures:

First, call the traffic control department to inquire about the congestion situation of the road section and wait for the short incident to be solved; If it can't be solved in a short time, get off and find another path.

Second, listen to the traffic information related to the car radio. If the time is up, pay attention to which road is clear, and you can take another car to detour to the meeting place.

Third, if time doesn't allow, you should call the person in charge of the meeting, explain your situation clearly and ask for an extension of your speech. I'm sure the person in charge of the meeting will arrange the order of speaking. If the person in charge of the meeting doesn't arrange it, call my superior leader to explain the situation and ask for help.

If I accidentally hit an old lady when I got off the bus and fainted on the spot, I will immediately call the emergency center, then check the situation of the injured and use my on-site first aid knowledge to give first aid to the injured. Saving lives is the most important thing. While waiting for the result after being sent to the hospital, I will call the leader and the person in charge of the meeting to explain my current situation. If I have to speak at the meeting, I will ask the leader to send my colleagues to the hospital to replace me, and then I will return to the hospital immediately after attending the meeting to deal with the aftermath. I believe the families of the injured will understand me.

The finishing touch of painting experts: this question requires strict logical thinking ability, comprehensive coordination ability and language expression ability. As long as the problem is handled calmly, it will be handled perfectly.

9. What if you go to see an important guest, your clothes get dirty, and the appointed time is coming?

Analysis: planning coordination topics focuses on logic.

The core of this exam is the candidates' planning and coordination ability and language expression ability.

The main line of answering questions: before meeting the guest+during meeting the guest+after meeting the guest.

To see an important guest, the clothes are dirty, and the appointed time is coming. I will deal with it like this:

First, if there is still time, I will buy a new dress at once, which is more in line with the etiquette requirements.

Secondly, if time is too late, I will try my best to dry the stains on my clothes or cover them with trinkets.

Thirdly, if you really can't avoid it, tell the truth when you meet the guests and let them know that it's not that you don't pay attention to meeting, it's just an accident. I think the other party will understand.

The finishing touch of painting experts: this question requires candidates to treat emergencies calmly. Take measures according to the situation. The principle of constant should be changed. Learn a lesson afterwards and prepare two sets of clothes when meeting customers.

10, if you go to a county in the west to be an assistant to the director of the personnel bureau and need to recruit a group of college graduates, how should you organize this activity?

The core of this exam is the examinee's ability of organization and coordination.

Main answer line: ask questions+before recruitment+during recruitment+after recruitment.

The leader entrusted me with this task, which is a trust in me and an exercise of my own ability. I will definitely finish this task seriously, and I intend to start from the following aspects:

1. Understand the background and significance of recruitment ideologically, collect the situation and media reports for a period of time, do a good job of investigation, find out the basic situation of both the supply and demand sides, and make a recruitment plan, including: time, place, method, etc. When necessary, all parties will discuss it, report it to the leaders for approval, and then notify all relevant departments and personnel to prepare for implementation.

Second, with the consent of the leaders, we will carry out the work according to the plan, divide the responsibilities, pay attention to coordinating the relations between all parties during the implementation of the plan, communicate and coordinate with all parties in a timely manner, report to the leaders in a timely manner, correct the original plan in time, and timely publish information such as the number of recruits, specific recruitment units and recruitment methods in the job fair site, newspapers, TV announcements and other media.

Third, after the recruitment, even if the relevant information is sorted out, it is necessary to sum up and reflect, and find out the experience and lessons for future work improvement.

The finishing touch of painting experts: pay attention to "university graduates" in Beijing, with limited topics and answer around the background.

1 1, please talk about your understanding of financial innovation and financial supervision (March 2008 1 Interview with Chongqing Banking Regulatory Bureau)

Analysis: professional test questions

The core of this exam: professional basic ability

References:

Financial innovation [financial innovation]

Financial innovation: change the existing financial system and add new financial instruments to obtain potential profits that cannot be obtained by the existing financial system and financial instruments. This is financial innovation, which is a slow and sustained development process driven by profit motive. The concept of innovation was put forward by Schumpeter. At that time, it refers to the production of new products, the application of new technologies or new production methods, the development of new markets, the discovery and mastery of new sources of raw materials supply, and the implementation of new production organization methods. Financial innovation is put forward along this line of thinking).

The fundamental economic force behind financial innovation is competition, which usually leads to the improvement of the realization of financial functions.

At present, there is no unified explanation on the meaning of financial innovation at home and abroad. The definition of financial innovation mostly comes from the viewpoint of Austrian-American economist joseph alois schumpete (1883~ 1950). In 19 12, Schumpeter defined innovation as: innovation refers to the establishment of a new production function, that is, entrepreneurs implement a new combination of enterprise elements.

According to this view, innovation includes technological innovation (product innovation and process innovation) and organizational management innovation, because both of them can lead to changes in production function or supply function. Specifically, innovation includes five situations: (1) the emergence of new products; (2) Application of new technologies; (3) the development of new resources; (4) explore new markets; (5) The establishment of new production organization and management mode is also called organizational innovation.

Although most definitions of financial innovation come from Schumpeter's concept of economic innovation, the connotation of each definition is quite different. To sum up, the understanding of financial innovation is nothing more than three levels.

1. Macro-level financial innovation equates financial innovation with major historical changes in finance, and holds that the development history of the entire financial industry is a history of continuous innovation, and every major development of the financial industry cannot be separated from financial innovation.

Understanding financial innovation from this level has the following characteristics: the time span of financial innovation is long, the whole history of money and credit development is regarded as the history of financial innovation, and every major breakthrough in financial development is regarded as financial innovation; Financial innovation covers a wide range, including not only financial technology innovation and financial market innovation; Financial services, product innovation, innovation of new organization and management mode of financial enterprises, innovation of financial service structure, and changes in banking business, banking support and clearing system, bank asset and liability management, financial institutions, financial distribution, financial system and international monetary system since the emergence of modern banking. Such a long historical span and such a broad research space make the research on financial innovation unattainable.

2. The meso-level financial innovation refers to the changes in the intermediary function of financial institutions, especially banks, since the late 1950s and early 1960s, which can be divided into technological innovation, product innovation and institutional innovation. Technological innovation refers to manufacturing new products. The process of adopting new production factors or reorganizing factors, production methods and management systems. Product innovation refers to the process that product suppliers produce new products with better performance and quality than traditional products. Institutional innovation means that the formation and function of a system have changed. And improve the efficiency of the system. From this point of view, financial innovation can be defined as a process in which the government or financial institutions adapt to the changes in the economic environment and internal contradictions in the financial process, guard against or transfer operational risks and reduce costs, gradually change the financial intermediary function, so as to better achieve the goals of liquidity, safety and profitability, and create and combine a new and efficient capital operation mode or operation system. The concept of financial innovation at the meso level not only limits the research time after the 1960s, but also has a clear connotation. Therefore, most researches on financial innovation theory adopt this concept.

3. Micro-level financial innovation only refers to the innovation of financial instruments. It can be roughly divided into four types: credit innovation, such as short-term credit to achieve medium-term credit. And spread the loan risk of investors; Risk transfer innovation, including various new tools that can transfer the inherent risks of financial instruments between economic institutions, such as currency swap and interest rate swap; Increase liquidity innovation, including new financial instruments that can improve the liquidity and convertibility of the original financial instruments, such as long-term loan securitization; Equity creation and innovation, including all kinds of new financial instruments that convert creditor's rights into equity, such as bonds with equity subscription.

China scholars define this as: financial innovation refers to new things created or introduced through the recombination and creative changes of various elements within finance. Financial innovation can be roughly divided into three categories: (1) financial system innovation; (2) Financial business innovation; (3) Financial organization innovation.

In terms of thinking, "innovation" has three meanings: (1) the leap of original ideas, such as the appearance of the first option contract; (2) integrating and reinterpreting existing concepts, such as the emergence of futures contracts; (3) Combinatorial creativity, such as the emergence of butterfly options.

Financial supervision (financial supervision)

Definition of financial supervision

Financial supervision is the general name of financial supervision and financial management.

Financial supervision refers to some restrictions or regulations imposed by the government on financial transaction subjects through specific institutions (such as the central bank). Financial supervision is essentially a kind of government supervision behavior, with specific connotation and characteristics. Throughout the world, all countries that implement the market economy system objectively have government control over the financial system.

Semantically, financial supervision refers to the comprehensive and regular inspection and supervision of financial institutions by financial regulators, so as to promote the steady operation and development of financial institutions according to law. Financial management refers to a series of activities such as the leadership, organization, coordination and control of financial institutions and their business activities by the chief financial officer according to law.

Financial supervision can be divided into narrow sense and broad sense. In a narrow sense, financial supervision refers to the supervision and management of the whole financial industry (including financial institutions and financial services) by the central bank or other financial supervision institutions * according to national laws and regulations. In addition to the above meanings, financial supervision in a broad sense also includes the internal control and audit of financial institutions, the supervision of self-regulatory organizations in the same industry and the supervision of social intermediary organizations.

The main purpose of financial institution supervision

(1) Maintain the healthy operation order of the financial industry, minimize banking risks, safeguard the interests of depositors and investors, and promote the healthy development of the banking industry and economy.

(2) Ensure the need to issue loans fairly and effectively, so as to avoid the random distribution of funds and stop fraudulent activities or inappropriate risk transfer.

(3) Financial supervision can also avoid excessive concentration of loans in a certain industry to a certain extent.

(4) Bank failure not only needs to pay a huge price, but also affects other areas of the national economy. Financial supervision can ensure that financial services reach a certain level, thus improving social welfare.

(5) The central bank transmits monetary policy to other areas of the national economy through monetary reserves and asset allocation. Financial supervision can ensure the realization of the transmission mechanism of monetary policy in banks.

(6) Financial supervision can provide trading accounts and transmit default risk information to financial markets.

Principles of financial supervision

Principles of financial supervision In order to achieve the above financial supervision objectives, the central bank adheres to three basic principles in financial supervision: classified management, fair treatment and open supervision. The so-called classification management principle is to classify financial institutions such as banks, highlight key points and manage them separately. The so-called fair treatment principle means that in the process of financial supervision, no matter who is the object of supervision, uniform supervision standards are applied equally. This principle is not contradictory to the principle of classified management. The purpose of classified management is to highlight key points and strengthen monitoring, but it does not lower the regulatory standards. The principle of open supervision refers to strengthening the transparency of financial supervision. When implementing financial supervision, the central bank must clearly stipulate the applicable banking regulations, policies and regulatory requirements, and make them public, so that banks and financial institutions can accept supervision under the premise of clearly stipulating the content, purpose and requirements of supervision, and at the same time facilitate public supervision.

Importance of financial supervision

Based on the extensive financial supervision in the financial field all over the world, we believe that financial supervision has the following deep-seated reasons and significance:

The failures and defects of financial markets. Financial market failure mainly refers to the inefficiency of financial market in resource allocation. Mainly aimed at the monopoly or oligopoly, uneconomical scale, externalities and other issues brought about by the allocation of financial market resources. Financial supervision tries to correct the failure of financial market in an effective way, but in fact, the discussion on financial supervision pays more attention to the effect of supervision than the necessity of supervision.

Moral hazard. Moral hazard refers to the changes in the behavior of the financial sector caused by institutional or other changes, and the harmful effects arising therefrom. Under the market economy system, depositors (individuals or collectives) will inevitably evaluate the safety of commercial financial institutions. However, in the regulated financial system, individuals and enterprises usually think that the government will guarantee the safety of financial institutions, or at least repay their deposits in case of default, so they will not consider the moral hazard of banks when making deposits. Generally speaking, financial supervision is to reduce the cost of financial markets, maintain a normal and reasonable financial order, and enhance public confidence in finance. Therefore, supervision is a kind of public goods, and the supervision provided by the government and public departments to improve public financial confidence is an effective and necessary supplement to the defects of the financial market.

Evolution of modern monetary system. From the form of physical objects and precious metals to the form of credit, on the one hand, it improves the efficiency of financial market transactions and resource allocation, on the other hand, it leads to two important financial system innovations: modern paper money system and partial reserve system.

Credit creation. The innovation of financial institutions' products or services is essentially a kind of credit creation, which can save money and reduce the opportunity cost, but on the other hand, it also makes the commercial structure face greater payment risk. The financial system is one of the most typical domino effect economic systems. Any doubt that financial institutions can't cash will cause a chain reaction. Sudden snapping up will make financial institutions fall into a payment crisis in a short time, which will lead to the loss of public financial confidence and eventually lead to the collapse of the entire financial system. The development of financial globalization will make a country's domestic financial crisis play a more direct and rapid role in the whole world financial market. (—— Excerpt from Wu Jingyu and Zhang's Interview with Experts on Civil Servants +0000 Questions)