1. Fill in the blanks (0.5 points for each blank, *** 15 points)
1. Generally speaking, farmers can use the loan method of () on the premise that production is guaranteed, products have a market and risks are controllable. This kind of loan can be recycled or recycled.
2, rural credit cooperatives loans, members enjoy () and ().
3, registered in the administrative department for Industry and commerce with () of the enterprise, good business performance, timely and full repayment of bank loans, recent () years of continuous profits, after the year-end distribution, net assets reached () of all assets, can invest in rural cooperative banks, but the cumulative investment plus the cumulative amount of other investments in the enterprise shall not exceed the net assets of the enterprise ().
4. Rural credit cooperatives are () local financial institutions, which have jurisdiction over () shares, () shares and () shares, and are an important part of China's financial system.
5. The normal redemption period of special bills is () years, but under certain conditions, it can be redeemed in advance or postponed. When the special notes expire and the capital adequacy ratio and non-performing loan ratio do not meet the corresponding redemption conditions, the People's Bank of China may postpone the redemption period (), but within this period (). After the rural credit cooperatives subscribe for special bills, the People's Bank of China may choose to redeem them in advance if their capital adequacy ratio and NPL ratio meet the conditions of special bills after continuous evaluation.
6. The joint-stock system is characterized by "()", which is suitable for places with developed market economy and high degree of commercialization and is a combination of ().
7. The shareholding ratio of a single natural person shareholder of a rural cooperative bank shall not exceed the total share capital of the rural cooperative bank (), the total shareholding of employees of the Bank shall not exceed the total share capital (), and the total shareholding of natural person shareholders other than employees shall not be lower than the total share capital ().
8, rural credit cooperatives should be based on the principle of () \ (), combined with local conditions, according to the needs of the work to select and determine the provincial rural credit cooperatives management institutions. Specific forms can be selected from (), () and ().
9, in violation of the provisions of (), the capital adequacy ratio is lower than (), there are potential risks of rural credit cooperatives, shall be ordered to make corrections within a time limit.
10. When applying for special notes, the capital adequacy ratio = ().
Two, indefinite multiple choice questions (one or more of the following alternative answers to each question is correct, please choose it and fill in the serial number in the answer sheet. 3 points for each question, ***30 points. Multiple choices, fewer choices, and wrong choices are not scored. )
1. The stock shall explain what members (shareholders) should know in the form of share information in a prominent position. The following statement is correct ().
1. Distribute dividends to members (shareholders) and pay interest on shares according to the profitability.
B, members (shareholders) should read the articles of association of rural credit cooperatives or rural cooperative banks in detail, know the rights and obligations of members (shareholders).
C the withdrawal of a member (shareholder) shall meet the conditions stipulated in the articles of association.
D members (shareholders) shall bear the risks of rural credit cooperatives or rural cooperative banks to the extent of their shares, but shall not bear civil liabilities.
2. In addition to traditional services such as deposit, loan and remittance settlement, rural credit cooperatives can also provide customers with services such as ().
A, information consultation B, financial management on behalf of customers C, collection and payment on behalf of customers
D. Agency insurance, electronic securities and other banking services
3, the following is the purpose of small credit loans for farmers ().
1. Loans for agricultural production expenses such as planting and aquaculture;
B, agricultural machinery loans; Small-scale irrigation and water conservancy facilities loans;
D loans for pre-,mid-and post-natal services around agricultural production;
E, processing, manual, transportation, commercial and other individual industrial and commercial loans and other loans.
4. The following statement about the conditions for setting up a rural commercial bank is correct ().
A, the registered capital is not less than 50 million yuan, and the capital adequacy ratio reaches 4%;
B before its establishment, the total assets of rural credit cooperatives within its jurisdiction were more than 654.38+0 billion yuan, and the proportion of non-performing loans was below 654.38+0.5%;
C there shall be no less than 65,438+0,000 promoters and senior managers with professional knowledge and business experience required for the post;
D, a sound organizational structure, management system and other conditions stipulated by the China Banking Regulatory Commission.
5, rural credit cooperatives can implement a unified legal person with the county (city) as the unit. The correct statement is ().
First, the jurisdiction of rural credit cooperatives unified accounting, book funds can repay debts;
B, grassroots rural credit cooperatives voluntarily;
C, county (city) union has strong management ability;
D After the legal person is unified, the share capital reaches more than 6,543,800 yuan, and the core capital adequacy ratio is no less than 4% at any time.
6, the state's support for rural credit cooperatives mainly includes ().
A, financial subsidies B, financial support
C, tax incentives D, interest rate policy
7. The plan for increasing capital and shares of rural credit cooperatives includes ().
A. Basic information at the end of A.2003;
B. Changes in equity capital and non-performing loans before the plan is formulated;
C it is necessary to further increase the share capital and reduce the calculation of the amount of non-performing loans;
D timetable and measures for increasing capital and shares and reducing non-performing loans, etc.
8, to the rural credit cooperatives and rural cooperative banks as a shareholder condition is ()
First, shares in rural credit cooperatives and rural cooperative banks can be in the form of monetary funds or physical assets, creditor's rights, securities and so on. ;
B, rural credit cooperatives and rural cooperative banks shall not share with industrial and commercial enterprises in the form of share exchange;
C. Members (shareholders) of rural credit cooperatives and rural cooperative banks can use their own funds to buy shares or borrow money from financial institutions;
D, people's governments at all levels can also use financial funds to buy shares in rural credit cooperatives and rural cooperative banks.
9. The correct description of the loan extension is ()
First, each loan can only be extended once;
B, each loan can only be extended twice at most;
C the interest rate during the extension period is the original loan interest rate;
D the extension of short-term loans can exceed the original loan term;
E. The extension period of medium and long-term loans shall not exceed half of the original loan period and not exceed 3 years.
10, "loan operation flow" From the perspective of credit management, credit cooperatives divide customers into ().
A, human customers;
B. natural person customers;
C. customers of agricultural economic organizations;
D. corporate customers.
Three. True or false (please fill in the brackets before the question, tick "√" for the right and "×" for the wrong. If there are any mistakes, please correct the mistakes on the horizontal line below, with each question scoring 1.5, misjudgment scoring 0.5, correctness scoring 1, * * 65438+. )
Example: In June 2002, the State Council issued the Pilot Program for Deepening the Reform of Rural Credit Cooperatives, and selected eight provinces including Zhejiang, Jilin, Jiangxi, Shandong, Sichuan, Shaanxi, Guizhou and Jiangsu to carry out the pilot work of deepening the reform of rural credit cooperatives.
( × )
June 2002-June 2003 Sichuan-Chongqing
1. During the risk disposal of rural credit cooperatives, the CBRC specially organized and coordinated relevant departments to deal with the sudden payment risk of rural credit cooperatives. ( )
2. After the reform, the supervision system of rural credit cooperatives will form an overall framework of "national macro-control, strengthening supervision, provincial people's governments managing according to law, implementing responsibilities, self-discipline of credit cooperatives and taking risks at their own risk". ( )
3. The inter-party relations of rural credit cooperatives can be managed systematically under the leadership of the provincial party committee, and can also be managed territorially. Local party committees should strengthen the party leadership over rural credit cooperatives and do a good job in the ideological and political work of cadres and workers of rural credit cooperatives. ( )
4. The senior managers of the Provincial Association are recommended by the provincial people's government in accordance with the relevant provisions, organized by relevant departments, and produced according to the prescribed procedures after being approved by the People's Bank of China. The provincial government is also responsible for the daily management and assessment of the leading group.
( )
5. There are 20 credit cooperatives in a county, of which 12 credit cooperatives are insolvent, and the amount of insolvency is10 million yuan, and the amount of insolvency of 8 credit cooperatives is 400,000 yuan. The amount of support funds that the county should receive is 1 ten thousand yuan, and two solvent credit cooperatives also enjoy financial support policies. ( )
6. In terms of financial support from the central bank, the reform pilot counties (cities) can implement "one county, two systems", that is, they can choose special loans or special bills. ( )
7. Rural credit cooperatives with a unified legal person system can apply for special bills from the central bank if their capital adequacy ratio reaches 4%. ( )
8. The rural credit cooperatives and rural cooperative banks that were profitable in the current year should strictly limit the proportion of dividends before making up all the losses over the years or before the capital adequacy ratio fails to meet the specified requirements. ( )
9. In principle, the withdrawal of investment shares shall be handled after the financial statements at the end of the year. If the withdrawal is made before the year-end financial statements, the dividends of the current year will not be paid. ( )
10. The term of the farmer's joint guarantee loan is determined according to the actual cycle of the borrower's production and business activities, generally not exceeding five years. ( )
4. Short answer questions (3 points for each question, *** 15 points)
1. What is the significance of unifying the legal person of rural credit cooperatives by county (city)?
2. Simply put, what is the purpose of the state's policy support for rural credit cooperatives?
3. What two problems need to be solved to deepen the reform of rural credit cooperatives?
4. Who can apply for loans from rural credit cooperatives?
5. How to deepen the reform of property right system of rural credit cooperatives?
V. Essay questions (the first question 12, the second question 13, ***25).
1. Please discuss the similarities and differences between special notes and special loans.
2. What are the guiding ideology and principles for deepening the pilot reform of rural credit cooperatives? How do you personally support and promote the reform and development of Rugao Credit Cooperatives based on your post?
Competition test questions
First, multiple-choice questions (this question ***20 small questions, the answer 1 1.5 points)
1, the State Council held a forum for heads of pilot provinces (cities) in Beijing, and the pilot work of deepening the reform of rural credit cooperatives in eight provinces (cities) was officially launched.
A. 30 august A.2004
C. 27 june C.2003 d
2. The first provincial association established after the pilot reform of rural credit cooperatives is.
A. Zhejiang Association B. Chongqing Association
C. Jiangsu Association D. Guizhou Association
3. The first rural cooperative bank was established after the pilot reform of rural credit cooperatives started.
A. Zhejiang Yinzhou Rural Cooperative B. Guizhou Huaxi Rural Cooperative
C. Shandong Guangrao Rural Cooperative D. Zhejiang Xiaoshan Rural Cooperative
On August 3, 2004, Jiangsu Wujiang Rural Commercial Bank was established. This is the first rural commercial bank established after the pilot reform of rural credit cooperatives, and it is also the first rural commercial bank in China.
A.2 B.3 C.4 D.5
5. Deepening the pilot reform of rural credit cooperatives is jointly organized and implemented by relevant departments.
A. People's Bank of China B. China Banking Regulatory Commission
C. State Taxation Administration of The People's Republic of China, Ministry of Finance of People's Republic of China (PRC)
6. The Pilot Work Plan for Deepening the Reform of Rural Credit Cooperatives clarifies the management and risk disposal responsibilities of rural credit cooperatives.
A. the State Council B. China Banking Regulatory Commission C. Provincial People's Government D. People's Bank of China
7. On August 30th to 3rd, 2004, the State Council held a conference on deepening the pilot reform of rural credit cooperatives in Beijing, and decided to list Beijing and other provinces (autonomous regions and municipalities) as the second batch of pilot reform units on the basis of the original eight provinces (municipalities).
A.20 B.2 1 C.22 D.23
8. According to the relevant provisions of the Banking Supervision Law of the People's Republic of China, the CBRC will order rural credit cooperatives that violate the principle of prudent operation and have a capital adequacy ratio lower than potential risks to rectify within a time limit.
2% C.4% D.8%
9. Rural commercial banks refer to
A. Commercial banks in rural areas
B. Joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.
C. joint-stock banks
D. state-owned commercial banks composed of farmers' shares.
10, the shareholding system is characterized by "large share control, one share, one vote and commercial operation", which is suitable for areas with developed market economy and high degree of commercialization, and is a new combination.
A. Labor B. Organization C. Capital D. Market
1 1. The total shareholding of employees of rural commercial banks shall not exceed the total share capital.
20% b 25% c 30% d 35%
12. The total shareholding of natural person shareholders other than employees of rural cooperative banks shall not be less than the total share capital.
25% b 30% c 35% d 40%
13, unified legal person rural credit cooperatives, the maximum investment of a single natural person shall not exceed the total share capital.
A. Five thousandths
14, the first batch of special central bank bills were issued, and * * * issued special central bank bills to 272 cooperatives in 8 provinces (cities).
A.11500 million yuan B.11800 million yuan C.11900 million yuan D.12 billion yuan.
15, the amount of funds supported by the central bank is approved according to 50% of the actual insolvent amount of rural credit cooperatives at the end of the year.
2000b. 38 May b.2006
16. Non-performing loans replaced by special notes are made up of.
A. People's Bank B. Rural Credit Cooperatives C. Banking Regulatory Commission D. Local government
17. The longest term of special loans provided by the central bank is 10 year.
A.5 B.6 C.8 D. 10
18, the capital adequacy ratio of rural credit cooperatives with unified legal person system should be reached to meet the issuance conditions of special bills of the central bank.
2% C.4% D.8%
19. in terms of financial subsidies, the state gives appropriate subsidies to the losses caused by excessive payment of value-added savings in the process of starting rural credit cooperatives.
a . 1990 ~ 1992 b . 1992 ~ 1996 c . 1994 ~ 1996d . 1994 ~ 1996。
20. From June 5438+1 October1in 2003, the business tax of rural credit cooperatives in all pilot areas of deepening reform will be levied at the new tax rate.
3% C. 17% D.33%
Second, multiple-choice questions (this is entitled ***20 small questions, and each question has at least two answers. Answer 1 correctly, get 2.5 points, multiple choices, no extra points).
2 1. Rural credit cooperatives are local financial institutions based on communities, and their shares are within their jurisdiction.
A. Farmers B. Individual industrial and commercial households
C. Small and medium-sized enterprises D. Party and government organs E. Institutions
22, since 2003, the central government clearly put forward the overall requirements for the reform of rural credit cooperatives are
A. Clarify the property right relationship B. Strengthen the restraint mechanism C. Enhance the service function
D. Appropriate state support E. Local governments are responsible for
23, deepen the reform of rural credit cooperatives must adhere to the principles.
A. the principle of serving agriculture, rural areas and farmers
B. Principles of classification and guidance according to local conditions
C. Reform according to the development direction of market economy
D. the principle of separating government from enterprises
E. the principle of easy before difficult
24, the main content of deepening the reform of rural credit cooperatives is
A. Reform the management system of credit cooperatives
B. Reform the property right system of credit cooperatives
C. Improve the corporate governance structure
D. Appropriate national policy support
E. change the operating mechanism and enhance the service function.
25, after the reform, the overall framework of the supervision and management system of rural credit cooperatives is
A. National macro-management and strengthening supervision
B. the provincial government manages according to law and implements responsibilities.
C. self-discipline and strengthened management of provincial associations.
D. local governments assist in management and provide support.
E. Self-discipline of credit cooperatives, at your own risk.
26, the main functions performed by the Provincial Association are
A. Guide staff training and education
B. Guide rural credit cooperatives to prevent and deal with financial risks
C. review the credit business of county-level cooperatives.
D. Free flow of funds in rural credit cooperatives
E. guiding electronic construction
27, according to the above principles, establish and improve the incentive and restraint mechanism of rural credit cooperatives, strengthen internal management, prevent and control new risks.
A. Self-management B. Self-discipline C. Self-transformation D. Self-development E. At your own risk
28, the first batch of provinces and cities to deepen the reform of rural credit cooperatives are
A. Chongqing b Anhui c Beijing d Shandong e Shanxi
29. The following duties belong to the supervision and management of rural credit cooperatives by the provincial people's governments, to the CBRC and to the People's Bank of China.
A. the daily management and assessment of the leading bodies of the provincial management institutions of rural credit cooperatives
B. Deal with the violations of laws and regulations of the main persons in charge of provincial institutions.
C. Training senior managers of provincial management institutions
(four) supervision and inspection of rural credit cooperatives inter-bank bond market management system.
Fifth, guide rural credit cooperatives to improve corporate governance structure and internal control system.
30. The main organizational forms of property right system reform of rural credit cooperatives are as follows
A. rural commercial bank B. rural cooperative foundation C. rural cooperative bank D. unified legal person of county association E. credit cooperative and county association are legal persons respectively
3 1. In terms of equity setting, the share capital of rural commercial banks is divided into
A. Equal shares B. Same shares with the same rights C. Different shares D. Same shares with the same benefits E. Same shares with different benefits
32, the establishment of rural commercial banks should meet the following conditions
A the number of promoters shall not be less than 500.
B the number of promoters shall not be less than 1000.
C the registered capital is not less than 50 million yuan, and the capital adequacy ratio reaches 8%.
D The registered capital is not less than 80 million yuan, and the capital adequacy ratio reaches 65,438+00%.
E. have a sound organizational structure and management system.
33, the pilot reform, the central bank financial support is available.
A. Special notes B. Re-loans to support agriculture C. Special loans D. Special bonds E. Reducing deposit reserve
34, rural cooperative banks to apply to the people's Bank of China to pay special bills must meet.
A. The capital adequacy ratio reaches 4%
B. The capital adequacy ratio reaches 8%
C the proportion of non-performing loans decreased by not less than 50% compared with 65438+ at the end of February 2002.
D the proportion of non-performing loans decreased by no less than 25% compared with the end of 2002 12.
E. realize book surplus after breakeven.
35. Anyone who meets the conditions for financial institutions to become shareholders can apply to become a member (shareholder) in the rural credit cooperatives, rural cooperative banks and rural commercial banks where they are registered or registered.
A. school B. natural person C. other economic organizations D. hospital E. enterprise legal person
36, the main items of rural credit cooperatives legal person share certificate are
A. Name of legal person B. Business license number C. Holding time D. Holding amount E. Name of legal representative
37, rural credit cooperatives have preferential loans to members.
A. Give priority to obtaining loans under the same conditions. B. Relax the loan conditions. C. appropriate interest rate concessions. Simplify loan procedures. E. Relaxing the loan quota
38. The shareholders' meeting of rural commercial banks may exercise its functions and powers.
A. formulate the basic management system of rural commercial banks
B. election and replacement of directors
C. Review and approve the development plan of rural commercial banks
D. Formulate plans for increasing or decreasing the registered capital of rural commercial banks.
E. To formulate plans for the merger, division and dissolution of rural commercial banks.
39, the general principle of supervision and management of rural credit cooperatives is
A. separating government from enterprise and operating independently. B. clear responsibilities and clear division of labor. C. Strengthen coordination and close cooperation. D. Prudent supervision and steady operation. E. perform their respective duties and operate in an orderly manner.
40, the state to expand the pilot scope of rural credit cooperatives to support policies are
A from June 5, 2004+10 to the end of 2008, all rural credit cooperatives in the central and western regions participating in the pilot project will be exempted from enterprise income tax.
B from June 5, 2004+10 to the end of 2006, all rural credit cooperatives in the central and western regions participating in the pilot project will be exempted from enterprise income tax.
C. Subsidize the loss-making rural credit cooperatives during the period of 1994- 1996.
D from June 5438+ 10/in 2004, the business tax of rural credit cooperatives in the pilot areas will be levied at a reduced rate of 3%.
E from June 5438+ 10/day, 2004, the rural credit cooperatives in the pilot areas are exempt from business tax.
III. True or false (this topic is entitled *** 10, and if you answer correctly 1, you will get 2 points)
4 1, the provincial management institutions of rural credit cooperatives can choose provincial associations, management bureaus and associations. ( )
42. Entrusted by the State Council, the provincial people's government made an overall evaluation of the management of rural credit cooperatives and reported to the State Council. ( )
43, the provincial people's government fully assume the responsibility of management and risk disposal of rural credit cooperatives. ( )
44. The share capital of rural cooperative banks is divided into equal shares with the same rights and interests. ( )
45. Before the establishment of rural cooperative banks, the total assets of rural credit cooperatives within their jurisdiction must reach more than 654.38 billion yuan, and the proportion of non-performing loans must be below 6543.8+0.5%. ( )
46. If the non-performing loans replaced by special bills are recovered within the bill period, the amount of special bills will not be deducted. ( )
47. When absorbing capital stock, rural credit cooperatives may appropriately promise to pay dividends or interest on capital stock. ( )
48. Reform of Rural Credit Cooperatives The first batch of special loans with a quota of 50% was obtained from the central bank without any conditions. ( )
49. After the rural credit cooperatives are managed by the provincial government, the government financial funds can directly invest in rural cooperative banks. ( )
50. In 2004, the State Council decided to take 2/kloc-0 provinces, autonomous regions and municipalities such as Beijing and Hainan as pilot areas to further deepen the reform of rural credit cooperatives. ( )