第一篇:银监会面试真题
2007——2011年银监会公务员面试真题
2007年
2007年2月2日国家银监会公务员面试真题
1.自我介绍(主考官提示必须要介绍哪些内容。主考官做记录。)
2.领导安排你一项任务,而与你共事的同事和你有矛盾,你怎么办?(追问:“你刚才提到沟通,如果任务紧急,没时间让你去沟通,你怎么办?”)
3.监管的格局?
4.银监会的具体作用和职责?
5.我国银行业全面对外开放,请你分别详细阐述外资银行与中资银行各自的优势和劣势? 英语面试:三个英语问题,1.你是否同意做事需要合作精神,为什么?
2.你最喜欢的一学科,为什么喜欢?
3.请你谈论一下2006的中国股市?
2008年
2008年2月29日四川银监会
1.你如何看待流动性过剩?
2.通货膨胀有哪几种应对办法?目前的办法有什么弊端?你有什么好的办法应对?
3.你平时的沟通方法有哪些?你认为有效么?当沟通不畅时杂办?
4.英语题
2008年3月1日重庆银监局
1.自我介绍:要包括主要的教育经历。
2.专业题:请谈谈对金融创新和金融监管的认识;
3.人际关系题:领导给你安排了任务,但是和你合作的人与你有矛盾,你怎么办?
4.Please introduce your main achievement.2008年3月1日银监局
1.自我介绍
2.专业题:你对央行提出的存款准备金的理解以及存款准备金在国家宏观调控中的作用?
3.专业题:我国近来存款准备金率是提高了还是降低了,你对此的看法是什么?
4.你如何做好从学生到工作人员的转变?
5.英语口语题
2008年3月1日银监局(计算机专业)
1.自我介绍(包括所学的专业,与报考动机)
2.专业题:什么是B/S
3.专业题:说下JAVA语言的特点。
4.作为一名国家机关工作人员应该具有什么素质?
5.英语题:Tell me the type of studay hardest in your school(or study?)
2008年3月1日银监局(法律专业)
1.自我介绍,有要求说出自己的姓名,学校,年龄等。
2.说说金融法的概念
3.债权人是否可以在债务人不知情的情况下变卖债权
4.谈沟通的,问你平时的沟通方法,还有如果沟通无效你怎么办?
英语题
1.说说你对银行业监督管理法的认识何看法
2.让说自己的优势和劣势或者向考官推销自己。
2008年3月2日银监局
1.自我介绍(要求说出姓名,年龄,毕业院校,专业,工作地点等)
2.银行存款规模扩大是好事还是坏事?
3.有人说:“摸着石头过河”,也有人说:“干了再说”,“想”和“干”,你认为哪个更重要?
4.Tell me the time of study hardest in your life
2009年
2009年2月8日上午银监局IT类公务员面试真题【时间:半小时,没有题本,考官读题】
1.介绍一下你的个人情况,包括你的年龄,学习经历,工作经历,学习情况,工作情况等。
2.假如你进入银监会工作,现在有3件事情要处理,你如何安排这三件事情?
a.领导正在与金融机构负责人商谈,需要一份报告,由你负责的,这份报告已经完成的差不多了。
b.金融机构的客户来找你,要与你谈一些事情。
c.临时公司有个会议,这个会议之前一直是由你参加的。
3.假如你被银监会录用了,同时,商业银行也录用了你,商业银行的待遇比银监会高,你如何选择?
4.专业题:TCP/IP协议有四层,请你简单介绍一下,并说明ARP协议和FTP协议都位于哪一层。假如让你去了解商业银行的网络状况,分析它的风险,你会从哪些方面进行了解?
5.英语题:a.谈谈你对银监会的了解 b.6.你还有什么要补充的吗?
2009年2月8日下午浙江银监局公务员面试真题
1.问答式自我介绍
2.当你去某一银行执行监管工作时,与银行工作人员发生冲突,你怎么处理?
3.某省某地区银行不良贷款率高,有人建议放宽5级分类的条件以降低不良贷款率,你觉得合适吗?
4.专业题
5.英语题
6.请问你还有需要补充的吗?时间30秒。
2010年
2010年3月6日上午中国银监会国家公务员面试真题
1.社会上开展“送温暖,献爱心”活动,但某单位却要求职工只能捐赠新棉被,旧的不可以,你怎么看?
2.生活中难免发生与别人意见相左的情况,结合你的工作或者生活经历,谈谈如何说服他人?
3.某地把一些政府部门办事时常听到的“难听话”归纳编印成台历,作为2010年特殊新年礼物派发给各个窗口单位,这些难听的话比如:“墙上贴着呢,写得很清楚,你自己不会看啊?”作为机关工作人员,你怎么处理?
4.有些城市流动人口特别多,流动人口多数没有当地户籍,引发了很多酗酒、抢劫等恶性事件,领导让你组织关于这个事件的调查,你怎么开展?
5.某村路口,发生交通事故,卡车司机受伤,围观群众哄抢卡车上的水果,你是村长助理,正在值班,有村民向你汇报,你怎么处理?
2010年浙江银监局面试真题
1.假如你是CBRC(中国银行业监督管理委员会)员工,要让你写一篇关于银行监管的法规,以往没有可以借鉴的成果,你该怎么做?
2.假如你是CBRC员工,发现辖内一家银行当年贷款量严重超标,不能采取强硬的行政措施,你该怎么做?
3.谈谈金融危机后,中国企业、银行、监管当局应获得的启示。
4.作为监管层,谈谈你对流动性风险的认识,以及对金融危机后中国金融机构中流动性风险的认识。
2011年
2011年哈尔滨银监会面试真题
1.自我介绍,包括你的年龄,你的学习经历等。
2.会计专业题目,会计计量的属性。
3.专业题目,哪些企业的财务报表可以合并?
4.团队合作和个人的操作能力是否矛盾,怎么协调应用?
5.政府为什么对银行进行监管?
6.英语问题,你的什么技能使你适合在银监会工作?
2011年2月26日银监会公务员面试真题
1、自我介绍
2、工作题:如果你进入了银监会,你发现监管的程序和方案存在问题,并且是可以改正的,你会怎么办?
3、专业题:核心资本有哪些?银行如何补充?
4、英语题:What do youthink of team spirit?Do youthink you are agoodteam player?
5、追问:学校专业方面的问题,你的专长是什么?
6、追问:专业题:操作风险包括那几类?
2011年2月27日银监会公务员面试真题
1、请进行三分钟自我介绍。
2、你现在在做商业银行改革调查报告,已经以拟定阶段,领导又交给你一项新的紧急任务,你怎么办?
3、英语题:how do you think about CBRC?
4、为什么选择成为监管者?(英语)
5、银行资本分为核心资本和附属资本,分别包括什么?
6、银行资本不足,有哪些方法补充?
7、你怎么看待银行监督?
第二篇:银监会考试面试真题
2011年国家公务员考试银监会面试真题
2011年2月26、27、28日国家公务员考试银监会面试真题
26日
1、自我介绍
2、工作题:如果你进入了银监会,你发现监管的程序和方案存在问题,并且是可以改正的,你会怎么办?
3、专业题:核心资本有哪些?银行如何补充?
4、英语题:What do u think of team spirit?Do u think you are a g o o d team player?
5、追问:学校专业方面的问题,你的专长是什么?
6、追问:专业题:操作风险包括那几类?
27日
1、请进行三分钟自我介绍。
2、你现在在做商业银行改革调查报告,已经以拟定阶段,领导又交给你一项新的紧急任务,你怎么办?
3、英语题:how do you think about CBRC?
4、为什么选择成为监管者?(英语)
5、银行资本分为核心资本和附属资本,分别包括什么?
6、银行资本不足,有哪些方法补充?
7、你怎么看待银行监督?
28日(监管I类)
1、自我介绍
2、你们单位在编制监管规章制度时,在某个关键问题上,你的直接领导和上级领导意见不一致,且这两人有很深的个人矛盾,你怎么办?
3、贷款担保的作用和局限性?
4、对金融机构实行并表监督管理怎么看?
英语:
5、英语自我介绍
6、请谈谈你对大学生找男女朋友的看法。
7、为什么对CBRC感兴趣?
第三篇:历年银监会面试真题
2016安徽银监会面试真题(2月28日)
1、自我介绍(姓名、年龄、学校、专业、科研成果)
2、北京雾霾天气频发,美国大使馆与北京环保部门监测数据不同,引发热议,你怎么看。
3、进入工作单位,领导让你对辖内银行业金融机构进行检查,形成调查报告,但你对业务不熟悉,请问你怎么办?
4、央行取消商业银行,农村金融机构存款利率上限,利率市场化从理论付诸实践,请问利率市场化对商业银行有什么影响?
5、商业银行内部控制的意义,要素,原则。
6、(英语)商业银行在经济中的作用。
2016年2月27日上午德州银监局面试真题
(考试前一天抽签,12人一组,学员抽到10号。一上午面试完,没有追问环节(可能因为靠后)。7考官,面试时间20分钟5道题(3道结构化,1道英语,1道专业),没有题本,读题,有稿纸和笔。一周后出成绩)
1、自我介绍。
2、一位同事突然离职,没有交接工作,领导让你负责他原来的工作,你又不了解,你怎么办?
3、一位老人身体不好,银行工作人员说必须到现场才能办理业务,老人到现场办理业务时猝死,社会纷纷谴责银行,你怎么看?
专业题:会计和审计的区别和联系。
英语:谈谈你完成一项任务的经历。
2016年2月27日湖北银监会面试真题
(每一组的三个考生面试完了,考官会商量探讨下,7名考官)
1、自我介绍。
2、有人说微信让人关系亲密,有人说经常有人在饭桌上也玩微信,让人关系疏远。你怎么看?
3、一大早,一个大爷到你们单位,说要投诉某个银行,很多群众围观,你不负责接待群众投诉这一工作,负责解决投诉的同事还在上班的路上,你怎么办?
专业题:现在商业银行开发了很多保险、证券等业务,说说利与弊,它的意义,可以探索的模式。
英语题:你现在同一时间有很多工作,你怎么应付?
2016年国家公务员考试面试真题:江西银监局(2月28日)(5个考官,念题,20分钟)
1、自我介绍。
2、中国官方雾霾的检测量与美国大使馆不同,你怎么看?
3、中国会计准则与国际趋同,有人支持,有人反对,你怎么看?
4、领导要你做一个对辖区内银行业支持实体经济的调查,你不太熟悉情况,将如何开展工作?
5、how to be a team player?
2016年国家公务员考试面试真题:银监会(2月28日)银监会计算机岗 1
1、自我介绍,三分钟左右。
2、随着技术发展出现了新型社交工具,微信,有人认为好,有人认为淡化了人们之间的交流,你怎么看?
3、假如你是银监会的一名工作人员,一名老大爷去上访,以为你是信访办的工作人员,抓着你不放,你怎么办 ?
4、尽可能多的说一些你认识的网络设备,并说说他们的作用。
5、简述软件工程,概要设计阶段的主要任务。
6、there are a lot of things you should to do at the same time你会怎么做?
银监会计算机岗 2
1、自我介绍(包括学校、年龄、专业、工作经历、学习科研成果)
2、一名中风的老人的儿子要去银行替老人取钱,但银行工作人员说不行,要老人亲自来取,老人的儿子最终用轮椅推着老人来,最后老人猝死在银行,引起了社会舆论,你怎么看?
3、你单位的一位同事突然辞职,没有工作交接,领导让你去接手,但是任务重,且和你的工作区别很大,你怎么办。
4、依法治国是国家的打政方针,你认为如何在社会上树立起法治的权威。
5、银行和股份有限公司在设计上的区别。
6、英语:说一下难忘的经历?
2015年河南省银监局3月14日上午银监会面试题
1、自我介绍;
2、请解释什么是系统重要性银行;
3、上海外滩展会发生踩踏事故,有人说以后要取消展会,有的人则认为展会是传播传统文化的重要手段,不能因噎废食。你怎么看;
4、微博上传播了一条本单位的负面舆情,真伪还待证实,但已经在网络上形成影响了,你怎么应对?
5、英语题:介绍自己的居住地,以及你居住在这里的理由。2015年3月14日国家公务员面试题(四川银监)
1、请简要自我介绍下?
追问问你什么报考银监?
2、计划组织,关于某一政策的执行情况
3、有人说:公务员性格外向有利工作,性格内向不利工作,对于这种说法,结合自己性格谈谈你的看法?
4、第四道专业题,商业银行融资的作用,5、英语题
2015年3月14日国家公务员面试题(广西银监)
1、自我介绍
2、有人说互联网金融是对传统银行的颠覆,谈谈你的看法?
3、影子银行的定义,特点,监管的着眼点或者重点?
4、如果在不熟悉或者了解的岗位,你会怎么处理
5、专业题“融资难,融资贵”,你怎么看
6、英语题amily and career,which is more important to you
2015年3月14日国家公务员面试题(辽宁银监局计算机岗位)
6题、25分钟、有题本、纸笔
1、自我介绍
2、谈一谈网络银行的发展前景,会不会颠覆传统银行?
3、如果工作给你分配的工作是琐碎的小事,你认为与你的财能不匹配,你对此怎么看?
4、银行的数据中心怎么选址?
5、专业题:黑客的攻击手段有哪些?
6、英语题:职业与家庭哪个更重要,谈谈原因?
2014年2月22日下午银监会面试真题 第一组面试题:
1、“上有政策,下有对策”对此现象的看法。
2、领导在做一个报告,你发现你有个数据错了,你怎么办? 专业题:
3、金融在市场中的作用
4、商业银行在促进经济增长防范风险应该如何做?
5、英语题:用水和眼泪讲个故事 第二组面试题:
1、自我介绍、2、会议开始了,由你起草的领导发言有数据错误,你怎么办?
3、上有政策,下有对策,你怎么看? 专业题:
4、金融在当今经济中的作用。
5、商业银行如何处理促进经济发展和风险管理的关系,6、英语题:中国银行是否应该全球化? 2014年2月23号上午广东银监会面试真题
1、自我介绍
2、性格决定成败,有人觉得要表现,有人觉得要内敛,你怎么看?
3、你已经有很繁重的工作了,领导又给了你一项几乎不可能完成的任务,你怎么看?
4、简单说下UNIX的功能与特点
5、说下对称与非对称密码学
6、英语题:出国的话,你想去哪儿? 2013北京银监局面试真题(3月4日下午)
1、自我介绍
2、你对年轻人追求个性,而工作比较枯燥无味,怎么看?
3、新上一个数据备份软件,几个领导对于备份的周期意见不同,你怎么 办?(角色应该是你是提供数据备份的软件公司员工)英语题:
4、防止黑客攻击的方法
5、what„s your favorite hobby? 2013黑龙江银监会面试真题(3月3日上午)
1、自我介绍(有很细的追问)。
2、有人说在工作中要尊重领导,也有人说尊重领导也要有适当限度,谈谈如何在工作中做到既尊重领导又不卑不亢?
3、结合自身的理解谈谈银行如何保护消费者利益。
4、谈谈银行监管的重要性和意义。
5、结合自身经历谈谈工作或学习中遇到的问题,你是如何克服和解决的。
6、WHAT'S your dream position,WHAT's your role in your dream position? 2013年广西、河南银监会面试真题(3月2日上午)
1、是自我介绍
2、和领导提意见,领导不采纳,你怎么办?
3、商业银行在金融体系里具体体现在哪?
4、如何完善农村金融体系? 英语题:
5、什么是C B R C ?
6、你为什么加入这个团队?
2013年浙江银监会面试真题(3月2日上午)
浙江银监监管类3月2日上午面试真题:5名考官,每个人都提问了,1名记录员,30分钟左右,考生面前还有录音设备。
1、自我介绍(细节追问,报考单位不是家乡),考官手上资料非常齐,该考生去年也进面,考官手上有去年的资料。
2、对银行业务检查时,你发现有重大问题,但领导认为这是行业普遍存在的现象,法不责众,请问你怎么办。
3、请结合自身实际谈谈大事讲原则,小事讲方法的认识。
4、什么是流动性定风险,监管部门应该如何强化流动性风险监管。5、2013年中央一号文件提出加快农村金融建设,请从监管当局的角度简要谈谈举措。
6、英语题:分享一件最新的你关注的经济类事件。2012年2月11日国家公务员银监局面试真题
1、个人介绍中所说的融入工作具体怎么做?
2、在北京上学,为什么不留在北京?
3、商业银行的资本有什么作用?
4、你学的房地产金融学主要讲什么的啊?(追问2题)
5、你在志愿经历中对团队和个人的关系有什么看法?
6、from the view of customer, how do banks improve their service? 2012年2月11日国家公务员银监局(监管类)面试真题
1、个人介绍中一下,包括年龄、学习、工作经历;
2、直接领导与大领导在你的一篇报告中的一个观点有很大观念冲突,并且2个人在私下就关系不好、这时你该怎么做?
3、你对资本的本质有什么理解?
4、你对银监局三个办法一个指引有什么看法?
5、As a bank customer, any suggestion to improve banks service? 2012年2月11日国家公务员(武汉)银监局面试真题
1、自我介绍
2、孙中山说:青年人要立志作大事,不立志作大官。拿破仑说:不想当元帅的士兵不是好士兵。谈谈对这两句话的看法?
3、领导要你制定绩效考核办法,你如何开展此项工作? 2012年2月11日国家公务员银监局面试题真题
1、你的直属领导和你的分管领导对你的报告有不同的意见,并且他们有大的个人矛盾,你怎么办?
2、商业银行的资本有什么作用 ?
3、商业银行流动性管理的目标和影响因素? 2012年2月11日国家公务员银监局面试题真题
1、自我介绍,后很多背景追问;
2、综合素质题:你的领导总是把别人写的报告拿来让你修改,或者征求你的意见,其他同事对此颇有微词,你怎么办?
3、专业题:银行负债的定义,包括什么,有什么特点,根据个人工作背景追问了一道小题。
4、专业题:金融监管和金融创新概念,相互之间的影响和联系。
5、英语题:What's your favorite book, tell me the name;did you recommend to your colleage;
2012年2月11日国家公务员银监局面试题真题
1、自我介绍
2、行政机关在处理行政相对人的行政许可申请时,怎么处理?直接考察《行政许可法》第32条。
3、谈一下《企业破产法》的清偿顺序?考察《企业破产法》41、42、113条。
4、Do you like reading?What is your favorate book?Why do you like it?
2012年2月11日国家公务员银监局(广西)面试题真题
1、自我介绍(包括年龄、学习、科研课题、专业、工作经验等)
2、众人拾柴火焰高,还有一个和尚没水喝,两个和尚抬水喝,三个和尚没水喝,谈谈你对团队和个人的看法。
3、抽样调查和全面调查的优缺点。
4、谈谈你的实习经历(英语题)
5、你有银行卡吗,你觉得银行工作人员的态度怎么样,有哪些需要改进的地方? 2012年2月12日国家公务员银监局(四川)面试真题
1、做一下简单的自我介绍
2、专业知识很重要,但是工作中与别人的沟通能力也很重要,请举一个工作中你与别人沟通的例子,说明一下自己的沟通能力。
3、专业知识:说一下TCP/IP协议的四层框架,解释ARP协议的工作原理,解释FTP协议的工作原理。
4、用英文介绍一下自己。
2012年2月12日国家公务员银监局(广东监管)面试真题
1、自我介绍,包括你自己的姓名、毕业院校、年龄、工作经历等。
2、你为什么选择我们这个职位?
3、如果领导让你起草一份监管规则,没有范例,没有以往同类规则参考,你将如何开展工作?
4、请说一下当前中国商业银行的主要风险点。
5、How do you descripe yourself?
6、How will U do to fit in this position?
2012年2月12日国家公务员银监局面试真题
专业一:
1、自我介绍(包括你自己的姓名、毕业院校、年龄、工作经历等)
2、为什么选择我们这个职位?
3、如果领导让你起草一份监管规则,没有范例,没有以往同类规则参考,你将如何开展工作?
4、请说一下当前中国商业银行的主要风险点。
5、英语题:Please describe yourself and how will you be fit for the new position?(用英语介绍一下自己,并谈谈如何适应新的工作环境。)专业二:
1、做一下简单的自我介绍。
2、专业知识很重要,但是工作中与别人的沟通能力也很重要,请举一个工作中你与别人沟通的例子,说明一下自己的沟通能力。
3、专业知识:说一下TCP/IP协议的四层框架,解释ARP协议的工作原理,解释FTP协议的工作原理。
4、用英文介绍一下自己。
2012年2月12日国家公务员银监局(重庆)面试真题
1、省局局长问的:个人介绍,并对你的介绍提几点问题?
2、还是局长问的:你为什么要来银监?
3、你在工作中由于能力比较突出,你的领导经常要你帮他修改一些由其他同事做的报告等材料,因此你同事对你有些不满,你怎么办?
4、专业题:你对商业银行负债有什么认识,有什么特点?
5、宏观题:金融监管和金融创新的关系
6、英语题:你喜欢不喜欢读书,哪一本,你觉得这本书对你工作有什么启示?
第四篇:国家公务员银监会笔试真题、面试真题
然后下面为2009年银监分局,银监局机关,银监会的面试真题和部分专业题,供大家参考。2009年2月8号安徽各地银监分局的IT类面试题,第一时间发出供大家参考。
1、介绍一下你的个人情况,包括你的年龄,学习经历,工作经历,学习情况,工作情况等。
2、假如你进入银监会工作,现在有3件事情要处理,a、领导正在与金融机构负责人商谈,需要一份报告,由你负责的,这份报告已经完成的差不多了
b、金融机构的客户来找你,要与你谈一些事情
c、临时公司有个会议,这个会议之前一直是由你参加的 你如何安排这三件事情
3、假如你被银监会录用了,同时,商业银行也录用了你,商业银行的待遇比银监会高,你如何选择?
4、专业题:TCP/IP协议由四层,请你简单介绍一下,并说明ARP协议和FTP协议都位于哪一层
假如让你去了解商业银行的网络状况,分析它的风险,你会从哪些方面进行了解?
5、英语题:a、谈谈你对银监会的了解
b、没听懂,sorry
6、补充说明
面试考官还是挺和善的,时间很充裕,给了半小时,我估计只花了15分钟左右。所以大家不用太紧张。另外,是唱题方式,没有题本的,请大家注意。另外,把其他银监考友的题目补充一下 四川-银监-法律岗 中文:
1.介绍下你的工作经验(我是在职的),应届是介绍学校和专业相关 2.介绍一次你组织的活动 3.刑法第六次修正案的 4.忘了 英文:
1.对cbrc的认识 2.hobby.2月8日浙江银监局下午面试真题0
1、自我介绍
感觉聊天式
2、当你去某一银行执行监管工作中和银行工作人员发生冲突怎么处理
3、某省某地区银行不良贷款率高,有人建议放宽5级分类的条件以降低不良贷款率,你觉得合适吗?
4、the information you know about CBRC slashst考友的面试题:
1.自我介绍,不可以说名字,其他都差不多 结构化题两道:
1.你刚进单位,作为新员工,你的领导很器重你,对你很好,引起一些老员工对你不太满意,你如何处理这一情况
2.跟楼猪一样,假如你被银监会录用了,同时,商业银行也录用了你,商业银行的待遇比银监会高,你如何选择?
专业题两道:
1.货币政策的局限性
2.某商业银行商城自己的资本充足率已达标,作为监管人员,你如何鉴别!
英语:
1.谈谈你对银监会的了解
2.也没听懂
2009年2月15日:广东省银监局机关监管二类面试真题(由飞天猪提供)
一、自我介绍
二、你的人生目标是什么?银监会能帮你实现吗?
三、从法律和制度两方面谈一下现在会计规范的内容。
四、英文题,好像是说如果你要做一个监管项目,需要相关数据,并且要求提供准确的结果,步骤是什么?(没太听懂)
2009年2月8号:四川省银监分局监管一类面试真题(由四川小菜根提供)
一、自我介绍
二、请问巴塞尔协议中包含哪些风险
三、某银行说他们的资产充足率达标,请问怎么样去验证?
四、某商业银行和银监会同时录用你,商业银行的待遇好,你如何选择? 五、三件事情让你安排:一个是领导与金融机构交涉需要的报告,此报告你已经完成大部分;二是办事员需要的报告,有非常多的具体细节;三是一个日常会议,此会议之前一直由你参加。
六、How do you know about CBRC?
七、Does the financial crisis impact you in your life and job ?
2009年2月8日:四川银监分局会计岗面试真题(考友ttzhg2008提供)我是上周末考四川银监辖内分局会计岗的,我的面试题目:
1、自我介绍(内容和楼主一样)
2、用三句话概括自己
3、如果作为监管人员到被监管机构,因为工作原因与该机构某人起冲突,对方情绪很激动,该怎么办?
4、我国从会计制度到会计准则的过程以及与国际会计准则的趋同,你怎么看?
5、为什么银行业需要监管? 英语:
1、what is CBRC? 2.where did you get the information of CBRC? 3.HOW do you adjusted yourself if you are not capable of the work division?
考友allensuu的面试真题
先面的英语部分
1.How do your schoolmates describe you?
(又接着问了大概意思是这对于你有什么影响呢?)2.Say some informations about CBRC 然后是算中文的吧
1.结合自己的经历等作自我介绍
2.如果你在监查现场与同事发生不同意见,怎么处理?
3.专业题:如果一家银行自称资本充足率达到了标准,你会怎么确认?(大概意思就这样)
2009年2月15日:广东省银监局的面试真题(考友a20043709提供)自我介绍 不过规定了你的学校,年龄,在学校情况,工作了的还需介绍公司名称,个人职务和岗位职责。2 你的人生目标是什么,你认为你在银监会能实现你的目标吗? 3 内部控制的原则是什么? 会计准则对银行监管有什么影响? 4 Tell me how do you try your best in the CBRC?
坦白的说英语口语题不难,可是我已经两年没看英语了。复习的时候我感觉英语方面什么都要复习,自己简直忘光了英语,直接导致自己大部分时间都是心惊胆战的。面试的时候特别紧张。前三个题目我都能够答得很好的,但是紧张的我只会讲简要的几条。譬如说内部控制的原则,是全面性,重要性,制衡性,适应性,成本效益原则。可我没有详细说一下。
考友“理想挥手”2009年2月14、15日 银监局机关经济和金融笔试和面试情况:
一直在论坛取经,今天银监面试结束,也来写一点东西给朋友们做参考。局机关考试和上周分局考试略有不同。一直向往银监,百闻不如一见,考试果然专业。
2月14日笔试,题型:单选10*0.5,多选10*0.5,判断10*0.5,简答5*3,论述10*1,案例两个英语numerical test 两个图5题*2,英译汉和汉译英各20分。记性不大好了,尽量回忆吧
单选:五级贷款、核心资本与附属资本,货币政策工具,多选:单一客户贷款比例10%,中间业务的范畴,市场风险,银行经济资本,绩效 判断:var是对什么风险计量,好像什么都想不起来了,等想起来再补充。简答:贷款担保,Eva,特里芬 论述:Var 案例:进口商期货市场套保,国际良好银行的铸就 英文资料题:两个图,比较简单。
英译汉,关于区域经济合作和地区经济发展的,注意专业词汇。汉译英,服务业与就业,也不难,但是前面我做的太慢了,最后两个翻译只做了半个小时,比较潦草。
建议:一 一定要扎实复习金融学的基础知识,对付专业考试不要有侥幸心理。二 重视考过的题目,重现率高。三 英语在于日积月累 2月15日面试
早晨8点前进候考室,资格审查。
之后轮流叫号面试。面试时间大概为15到30分钟不等。看各个组的局领导的时间控制,我之前的几个比较慢,大概半小时左右,但是后来各个组速度不够协调,就加快了面试速度。
我被问到:自我介绍,人际关系(监管不配合怎么办),国际收支与货币政策,英文问到中国银行业面临的挑战。(可能是由于时间原因,感觉时间比较紧,领导没有给考虑时间要求立刻作答节省时间,真是考验了我的反映能力,但是肯定回答不入之前面试时间长一些的考生回答的全面,希望领导能综合权衡吧。
面试完回想一下,发挥了正常水平,剩下的,既尽人事,悉听天命吧!
希望一切顺利,毕竟一直很憧憬这个工作而且也因此做出了一些付出和选择,沉没成本和机会成本均已发生。
希望看帖的朋友也顺利通过面试,走上自己热爱的岗位。欢迎大家对所写做出补充,给后来的考生一点点启示,送人玫瑰手有余香!
2009年2月14、15日:安徽省银监局机关“丝袜奶茶”的笔试和面试题:
上午面完回来了,先简单说些吧,专业笔试题型和上周的一样,简答分别是特里芬难题,担保贷款的缺点,EVA的定义和指标,论述是VAR的优缺点,反正我复习偏了,全部编的.面试是结构化面试,三个中文一个英语,分别是自我介绍,上级派给你一个不熟悉的任务你应该怎么做,分析比较理财产品和存款的风险和收益,英语是谈下地震最震撼你的是什么.反正这个是我的第一次国考,很紧张,笔试答的就不怎么样,面试回答觉得条理性也不行,尤其是英语,一紧张单词都忘了该怎么说了,还要监考老师提醒,好丢人啊,估计这次是没戏了,但是还是攒点RP发个面经,给以后有需要的朋友们参考吧,也算是对QZZN的回报吧.不过题目不是完全一样的,我后面的人就问了巴塞尔协议和风险什么的,为什么不问我这些啊,我在这个上面花了不少功夫的,由此可见提问多是随机的,准备的越宽泛越好.2009年2月8日:福州银监分局监管类面试
面试分两个流程,先是专业面,然后进另一个屋子英语面。专业面的题目主要有:1.自我介绍
2.如果你加入银监局,有三件事情,一是领导要你办的事,二是外派机构人员找你商量工作的一些细节,三是临时开会。你要如果处理,先后顺利。
3.谈谈现有宏观财政政策与货币政策的局限性
4.巴塞尔协议对商业银行的指导原则
英语面有两个问题。一是你在同学眼中是什么样一个人。二是什么类型的企业在金融危机中.......(具体意思我也没听懂,大家可以充分想象一下)
面试的考官都很和蔼,但是我还是很紧张啊,第一次参加这样的面试,考官暴多,不知道结果怎么样~~
2009年2月8日:安徽银监分局面试题(考友05101516提供)
2、如果你工作很出色得到了领导的赏识,同事却排斥你,你怎么办?
3、如果银监会和一家商业银行同时录取了你,在面对待遇优厚的商业银行和工资低、工作累的银监会,你选择哪个?
4、专业题目;
5、专业题目;
6、对所报单位的了解(英语口语作答);
7、金融危机对自己找工作的影响?
2009年2月8日:广西银监分局面试监管类题(由考友Tracerowe提供)英语(5min)
How do you handle the disaprovement? 专业(20min)1,自我介绍
2,如果你去某银行进行现场检查,银行的一位员工情绪激动,不和你配合怎么办? 3,什么是均衡汇率?汇率的影响因素有哪一些?
2009年2月8日:新疆银监分局监管类笔试和面试真题(由考友mojingyey提供)
专业课考试试题:
题型是:单选:10分;多选:10分;判断:10分;简答:10分;论述:15分;案例15分;汉译英15分;英译汉15分
单选,多选,判断主要是银行监管的,巴塞尔协议今年太热,从人行的考试到现在考了好多回了,我觉得人行的考试 更注重宏观经济学,考的面更广,银监局的专业课更注重商行知识。如经济资本,会计资本比较啊,定价模型啊。
1、简单题
1、什么是离岸金融市场,它有什么特征?
2、CAMEL分别代表什么?
2、论述题
新巴塞尔协议对信用风险,市场风险,操作风险的监管有什么具体规定?
3、案例题
关于贷款五级分类的题。具体的记不清了,让你判断案例属于五类中的哪类。该怎么监管控制。
4、汉译英
一段关于经济增长的。(据说是2007年年报的一段)
5、英译汉
美国次贷危机的。
2月8日面试题目
(问了周围报考的人,好像题目都不太一样)
1、自我介绍,3分钟。
2、谈谈你对报考银监局有什么优势
3、新巴塞尔协议对风险有怎样的划分,(提示说有8类)监管有怎样的要求
我答了信用风险,市场风险,操作风险,在提示下答了法律风险,利率风险,政府风险,剩下两个没答出来。(我学的好像没这么多)
4、英语题:问我有没有报考其他岗位,若有的话,银监局和那个岗位同时录用你,你会选择哪一个?
PS:我知道我同学还有问到
专业题:1
我国货币政策的三大法宝?如何运用它调节国际收支? 2
什么是离岸金融市场,它有什么特征? 3 经济学普遍认可的财政和货币政策的局限性 新巴塞尔协议对商业银行公司治理的指导原则是什么? 英语题:谈谈你对银监局的认识,监管内容。(要知道银监局的简称是:CBRC,别被问蒙了)
这是我的第一次面试,从早晨8点15进后考厅到下午5点才能出来。挺兴奋的。
2009年2月15日重庆银监局机关金融监管一类笔试和面试真题(由考友“我自强”提供)2009年CBRC 面经-金融监管一类 西安 2009年2月14-15日 14日专业笔试 9点至11点半
一、单选题(均0.5分每个
二、多选题(0.5分每个,有些题较难
三、简单题 3*5=15分 特里芬难题 eva概念及如何测算
担保的局限
四、论述题 10分
什么是VAR方法及其优点、局限性
五、案例分析题 2*5=10分 一个是关于汇率期货现货套期保值的,另一个是对通过政府注资勉强符合监管要求的银行,如何才能
达到国际先进银行的标准
六、阅读理解(英语)两组图表,后面五个选择题 10分 需要用加减乘除,有点像行测资料分析题的英语版
七、汉译英 一看就是个官方报告,好多词不知道对应的是什么英语单词,我只好意译了
八、英译汉,关于制造行业和服务行业就业的,很简单,可以我没时间啊
一句话总结,专业笔试主要还是考基础,临时突击很难抓住
15日面试(主考官说程序及要求,其右边两个分别问2-5,左边两人个问一个英语)
一、自我介绍
二、结构化面试,经典题,三件事情,你首先做那件事
三、结构化面试,去金融机构现场检查,临近结尾的时候,发现一个问题,你认为很重要需要继续检查下去,而你的领导认为不重要,不需要检查了,你该怎么办?
四、专业题,商业银行、负债业务的概念,以及负债业务的特点
五、案例题,一个人丢了身份证,并及时挂失,拾到身份证的人用此身份证去开设信用卡,并恶意透支,给身份证本人的信用记录造成负面影响。于是,身份证本人想法院起诉银行。问其中,银行有那些风险
六、英语题,谈谈你的毕业论文情况
七、英语题,根据你的简历问的
一句话总结,基础好才是王道,临时准备热点问题是无用的2009年2月8日湖北省银监分局笔试和面试真题(由考友“weilan302”提供)
2月7号笔试,监管类的。(应该是分类考试的,但是我对其它类的题目不知道,没有熟识的人。)
记不太全了,我就仅仅凭记忆了,希望对各位有帮助。单选十个,多选十个,判断十个。一分一个。
题目类型多数是银行监管的条条框框,涉及核心资本以及有效监管。
简答题两个,各15分。
1.离岸金融市场是什么,特点是什么? 2.信用风险,市场风险,操作风险的控制要求?
然后是一个案例分析题,好像是20分来着?
分析银行一笔贷款的风险在哪里,按照五类分级为哪一类?
最后是英译汉和汉译英各一段。各15分。
我记得汉译英那段是2007年的年报的第一段。我在网站上看见过,但是完全不知道怎么翻译 汉译英也是讲的国际经济形式。
8号面试。
一共就四个题,十五分钟。
第一题是自我介绍,年龄啊,毕业学校,工作经验,所获荣誉什么的。
第二题是一个情景题,有三件事情,一是领导急需一份报告,二是银行有人来和你商量一件你们共同起草的文件,三是有一个会议要你去开。都在同一时间发生,你如何处理。
第三题是专业题,又是问的离岸金融市场是什么,特点是什么。
第四题是英语题,问的是如果你和同事对一件事情有不同的看法,如何达成一致。
不到十分钟我就答完了,实在是没什么好说的,知道的都说了,不知道的也编不出来。
唉,我反正是没戏了,还是自己知识不扎实,希望各位好运。
我也是第一次参加这样的考试,知道了解的不多,所以大家如果有问题的话,我尽量回答。
2009年2月8日:宁夏银监分局法律岗的面试真题(由考友“jane”提供)
1、自我介绍
2、如果在现场检查的过程中,遇到对方不配合,还冲你大嚷。你怎么办?
3、什么是金融法?你对我国金融法的看法
4、金融产品构成的民事法律关系有哪些? 英语题:
1、你的朋友是怎么评价你的?举例
2、周末你都做些什么?
3、你如何面对不同的意见?
云南银监07年笔试真题:(由考友zhuni829提供)
其他省份的不知道怎么考,但是云南辖内的专业笔试是分报考类别不同考的,试卷似乎是不一样的。报考会计的和报考文秘的都归为 综合管理类,考同样的试卷。
试卷题型为一填空,二改错,三单选,四简答,五英语完形填空,六中英互译 题目太多,而且有的我不会,所以记得不全,把能记下来的给大家分享一下~~~ 填空
一行三会是()()()
财务报表包括资产负债表,利润表,还有()
十七大报告中指出我们改革开放以来取得的成绩,总结起来是因为开创了(),开拓了()会计报表要遵循()原则 世界三大经济组织是()
十七大报告指出我们要努力建设()会计应该遵循()项基本原则和()项准则
监管的工作经验是 管法人,管风险,管(),提高()还有两题不记得了,每题一分
改错完全不记得了,因为题目都很长,内容涉及到财会,金融,还有监管等,只能靠蒙。十题,每题一分 单选也是涉及到会计方面的题目,不会。建议大家有时间还是看看这方面的书。也是十题,每题一分 简答 每题5分
一,简述怎样构建社会主义核心价值体系 二,银监局的监管标准是什么
三,金融资产包括哪四大类,什么内容 四,简述科学发展观的内涵
完形填空个人来说不是很难,看运气了,至于英汉翻译,本人水平有限,不清楚一二题题意,但是和银行专业知识有关。后面两道中译英,一,为了做好城市扶贫工作,政府为下岗人员提供了一些培训计划;二,随着教育的发展,近年来我过英语教学也得到发掌(大概是这样)
四题,每题5分
2009年2月8日:广西银监分局会计类笔试和面试题(由考友“野有蔓草”提供):
面试题
英文:抓到一个单词disagreement,大家知道问的是什么了吧 中文:1.自我介绍,三分钟 2.为什么要报考银监
3.被监管者不服还恶语相向,怎么办? 4.会计标准和银行监管的关系 5.我国会计的法律体系 6.内部控制的标准 笔试 简答题
1.经济周期对银行经营的影响 2.什么是贷款损失准备 论述题
我国金融会计的发展阶段
考友coocae云南银监面试题补充 云南银监2009年的面试英语题: 1.你对银监局的了解? 2.金融危机对你找工作的影响?
2009年2月15日:银监机关面试笔试真题和复习建议(由考友“blackz”提供)笔试
单选(10题)、多选(10题)、判断(10题)
判断是10题5分,选择题好像也都是10题5分?记不清了
包括计算机系统的组成,哈密尔顿图,第三范式,CMM,软件测试,计算机网络等吧
简答(每题5分):
1.进程的三个状态及其状态转换
2.好像是某一种数据库模型的特征(忘了具体是什么数据库模型了)3.题目给出了图形说明数字签名解密过程,要求写出数字签名生成过程
论述(10分):软件框架和设计模式之间的区别
案例分析(10分):某公司用java语言构建B/S架构数据库,问题: 1.使用java语言的优点 2.说明DBMS的作用等
3.开始系统不能正常工作,加入缓冲池之后变好,问原来不能正常工作原因 面试
1.自我介绍:包括个人学历,工作经历,报考动机等
2.从需求、技术、管理三个角度说明软件风险分析需要注意的问题,因为我在回答中提到软件工程中的软件原型,因此被问软件原型的作用
3.某商务公司要求某软件公司为其设计软件,将数据按照一定时间间隔备份,问这个间隔时间如何设臵
4.与自身所做研究相关:所做研究是否转化为实际产品,对网络设备是否熟悉等等。还问我是否熟悉信息安全、软件知识产权(好像是这个,有点忘了)等。
5.是否了解银监局该岗位工作,你是否合适
英语面试
1.地震中最令你震惊和感动的事,因为我吭哧了半天也整不明白,所以简单问我从地震中学到了什么 2.银监局的工作与你所学内容之间的关系
复习建议:
因为准备面试前也在网上找了很多资料,很有帮助,所以提一点点我自己的感受,不一定对,希望各位指点更正,对后来人有所帮助
1.专业方面:
面很广很杂,包括软件工程、软件测试、网络、数据库、信息安全,甚至操作系统、图论都有简单涉及 以前有人建议看软件设计师和网络工程师考试的辅导书,有时间的话可以看看,应该是有帮助的
2.英语方面:
其实就是找个话题聊聊,可惜我对口语准备得很不好,平时不愿意说和练,惨 需要准备的话题:
1)大事。好像去年考了对股市的看法,今年我遇到了地震相关的问题,其实还有奥运会等一些大事都应该准备一下吧。
2)个人相关问题。比如以前看到有人被问hobby,还有别人怎么看他等等,总之自己的优缺点还有自己的成功和失败等经历都应该准备一下。
3)银监局相关问题。比如对CBRC的了解,CBRC与你在学校所学的关系。4)普通面试题的英文版本。比如如何处理同事的不同看法等。
3.其他方面:
感觉银监局的招聘和大多数网上提到的公务员招聘有些不同,而与普通的企事业单位在学校中的招聘类似,更多的问题也许跟个人相关,专业和英语占很大分量(至少对于我们IT类如此)
所以也许其他的结构化面试题简单熟悉一下套路即可(当然也不是说就不用准备了哈,只是说结构化面试在其中的分量比其他的公务员考试占的分量相对少,希望不会误导大家)
考试时我那屋是五个考官,中间是主考官,左边两个面技术,右边两个面英语
而考官们也都很好,我的英语面试一团糟时也对我很友好,另外我所在的考场几乎每名考生考完都看起来很高兴,所以也整不明白自己究竟几斤几两
祝愿考上的以后工作顺利,没考上的能有更好的选择。Good luck,everyone!
2009年2月15日:河北省银监局IT岗位的面试题(由考友“yr5018”的同学提供)这个账号是同学的,我说说我本人的经历。
我报考的岗位是河北省银监局IT岗。刚开始考官先和我热身,说不用紧张,还说你是少数民族吧,郑州的为什么要报河北,我没什么说的,就说实话了,河南省没招人,郑州到石家庄路程也不远,后来想想这可能是个圈套,我中招了阿,呵呵。不过,过去的就过去了,反正是我的真实想法。
首先是自我介绍,考官提醒要尽量展现自己优秀的一面,三分钟。
第二个是行政方面的,楼上有人说过了,三件事情,让你按顺序怎么妥当处理。第三个是专业的,软件维护的了解和看法。
第四个是专业的,用户需求与开发出的软件产品最终功能不一致,出现偏差,是由什么原因造成的,如何避免。第五个是英语口语,大概意思是说,你和你的朋友在某件事情上产生分歧,有人挑战你的权威,你怎么处理。
第一个答得不好,因为刚开始太紧张了,后面的个人感觉渐渐进入状态,但是还是不是很满意,英语口语第一次没怎么听清楚,我感觉我回答的大方向是对的,但是细节处理不太好。
各位参考一下吧,到现在还没有出成绩,不知道是不是已经就义了,呵呵
2009年2月14日:银监会2009年招录公务员笔试题目监管II类会计专业 笔试时间2月14日9:00-11:30
第一题 单选题 15题选10题 10分 衡量一国富裕程度的指标是()A GDP B人均GDP C GNP D恩格尔系数 一国政府在目前金融危机的情况下,实行扩张性的财政政策和货币政策有什么影响(c)A物价下跌B 通货紧缩C物价水平上升和通货膨胀D 3 以下哪项是积极的货币政策()将利息从2.25%下降到2.20% 4 以下哪项不是银监会的职责()监督银行同业拆借市场和债券市场 5 新巴塞尔协议的三大支柱是()最低资本需求,监管部门的监管,市场约束 6 以下哪项将造成所有者权益发生变化的()宣告发放现金股利 7 根据新会计准则,以下哪项资产减值损失可以转回?()
第二题 简答题 5选3 15分 汇率变动和进出口变动是如何互相影响的。2 我国新会计准则同旧会计准则相比有哪些主要特点。3 我国商业银行的银行卡主要风险点有哪些 4 什么是金融监管的骆驼评级制度 5 人力资源 结构化面试的特点和优缺点
第三题 论述题 2选1 7分 我国新会计准则对商业银行经营管理有什么影响?
第四题 案例分析题 2选1 8分 一商业银行吸收了3千万美元的存款,现在银行将其中的2千万美元用于发放贷款,1千万美元用于购买企业债券,并委托一证券公司代理其债券买卖,管理行为。证券公司在未征得银行同意的情况下,私自将债券卖掉,用所得的资金购买股票,最后股票价格下跌,证券公司亏损。请问在这一业务中,银行存在哪些风险?
第五题 英语图表分析题 10分 5题
ABCD四城市人口
1998年 2008年人口对比 移民与本地居民人口结构 题目简单 不详细列出来
第六题 汉译英 20分
当前,经济全球化深入发展,亚太区域,次区域合作快速推进。本地区发展成为世界经济发展的主要动力。与此同时,世界和亚太地区也面临诸多不稳定因素,主要表现为:国际金融市场剧烈动荡,金融危机对全球实体经济的消极影响逐步显现,世界经济增长放缓,粮食安全和能源安全问题突出。此外,环境污染,重大自然灾害,重大传染性疾病等非传统安全问题依然严重存在。这些问题对世界经济健康稳定发展构成严峻挑战。问题的解决依赖于所有成员国共同努力。我们主张,面对新的复杂局面,各方应该秉持开放合作的理念,化挑战为机遇,努力实现互利共赢。
第七题 英译汉 20分
沃尔马从提供产品向提供服务转变,说明现在服务岗位提供越来越多的就业机会,制造业岗位下降,如此等等 比较简单,不详列
2009年2月14~15日:银监会北京计算机岗笔试面试的真题(由考友“wbzh”提供)银监会 计算机 北京面试经过(2009.2.14-2009.2.15)
一、专业笔试-计算机(2009.2.14)专业笔试就在302那个大会议室进行的,各专业在一起笔试。在专业笔试完成以后,还进行了抽签,来决定明天面试的顺序。专业笔试(9:00-11:30),共有100分,专业题50分,英语题50分。专业题: 1.单选(10X0.5)2.多选(10X0.5)3.判断(10X0.5)单选、多选、判断的内容超级多,而且范围极广,无法复习。4.简答题(3X5)a.OS中进程的三种状态,以及变化的原因。
b.关于数据仓库的特性,是一个很著名的学者提出的。
c.数字签名的生成过程,以及是由哪一方来生成数字签名的(发送方还是接收方)? 5.论述题(1X10)软件架构和设计模式的区别。6.案例分析题(1X10)a.JAVA的优势。b.什么是DBMS。
c.使用数据连接池的原因? 英语题:
7.图表题(5X1)给了几个图表,是关于四个城市人口的变化的。
8.汉译英(1X20)内容是关于现在经济情况不好,我们所面临的危险,我们各方应合作以应对这些危险。9.英译汉(1X20)内容是关于美国经济中服务业能提供更多更好的工作。
二、面试(2009.2.15)面试要求早上8:00之前到。在面试之前要进行资格审查。审查完成以后,就坐在302那个大会议室里等着。面试大概20分钟左右。面试内容:
1.自我介绍(要求3分钟,内容有年龄、学校、专业、实践等)2.为什么报XX的银监局?
3.商业银行与银监局,你如何选择? 4.从来严格的流程上来说,如何设计数据库?
5.由于业务专家和技术人员之间的事情,导致做出来的系统不能用,问为什么?怎么解决? 6.英文题 你的毕业论文是什么题目?为什么选择这个?你什么方法完成毕业论文?
甘肃考友“shijijie ”补充英语面试题
What kind of BOSS you will be happy to work for?
部分银监内部培训资料(由四川“000894”提供)首先,恭喜大家。
我找到了银监内部培训资料,经过自己回忆和与同级考录的同事的交流,发现相似度达80%,不仅适用于金融专业的笔试,也适用于面试。要知道银监的专业笔试和面试占总成绩的50%啊,再次恭喜大家了!我会每日发布一道题,大概总共有20道。
国考将至,对有志于报考银监的朋友我也会尽自己的努力帮助大家。
1、什么是银行的资本?银行的资本有什么作用?
银行的资本是银行的投资人投入到银行中的各种资产的价值。在一般情况下无须偿还,可以长期周转使用。银行的资本除了用来维持银行的正常运转外,还具 有弥补损失的作用。银行的资本是否充足已经成了衡量一个银行是否稳健的重要指标之一。银行监管者常用的概念包括监管资本(regulatory captial)、经济资本(economic capital)和会计概念上的帐面资本(Book Capital)等。
2、银行的资本包括哪些内容?
一般来讲,对于会计概念上的帐面资本来说,是指资产负债表中的总资产减去总负债后的所有者权益部分,有时候我们也称之为权益资本(equity capital)。
监管资本是银行的监管当局要求银行保有的资本。由于各个国家的法律和会计制度不同,对监管资本的定义也有些不同。按照中国银监会《商业银行资本充足 率管理办法》的规定,商业银行的资本包括核心资本和附属资本。其中核心资本包括实收资本或普通股、资本公积、盈余公积、未分配利润和少数股权。附属资本包 括重估储备、一般准备、优先股、可转换债券和长期次级债务。
经济资本是一个统计学概念,是指商业银行根据其资产的风险状况,在一定时期内用以弥补未预期损失(unexpected losses)所需要的资本。
3、什么叫次级债务?
“次级”来源于英文subordinated一词,意思是从属的、居于次要地位的,在银行术语中一般用来表示债务的偿还次序。次级债务是指对于债务 人资产的要求权次于其他债权人的债务。也就是说,债务人只有在满足了其他债权人的债权要求之后,如果还有剩余财产的话,才用来满足次级债权人的债权要求。因此,次级债务实际是一种受偿权利受到约束的债务,对于债权人来说次级债务比普通债务的风险更大。但是,对于债务人(即发行该债务或债券的银行)来说,这 种权利受到约束的债务能给他一种接近权益性资本的保证。即他的性质介于普通负债和权益性资本之间。这也是长期次级债务只能被算作附属资本,而不能算作核心 资本的原因。
4、长期次级债务在计入银行资本时如何处理?
长期次级债务是指原始期限最少在5年以上的次级债务。如果长期次级债务要计入资本的话,除了要满足一般次级债务的特点之外,中国银监会还规定,商业银行发 行的次级债务必须是无担保的、不以银行资产为抵押或质押的。次级债务工具列入附属资本时,在距到期日前最后五年,其可计入附属资本的数量每年要累计折扣 20%。如一笔十年期的次级债券,第六年计入附属资本的数量为100%,第七年为80%,第八年为60%,第九年为40%,到第十年的时候,就只能有 20%了。
5、资本充足率出现的历史有多长?
过去,人们在判断银行的资本是否充足时,主要是把银行的资本和经营规模相比较,即用资本与总资产或总负债相比来衡量银行经营者对资本的放大作用,因此也称为杠杆比率。如果杠杆比率过高的话,那么资本就相对不足。
但是,杠杆比率存在一个明显的缺陷就是没有考虑银行资产的风险大小。举例来说,当两家银行具有相同的资本和资产规模,也就是杠杆比率相同时,如果一 家银行持有的资产全部是国库券,而另外一家银行持有的资产全部是房地产贷款。那么,很明显持有国库券的银行的资本要比持有房地产贷款的银行的资本相对要充 足。
因此,在二十世纪七十年代中期以后,人们引入了资本充足率的概念,使用资本与风险加权资产的比值来衡量资本的充足程度,我们称之为资本充足率(Capital Adequacy Ratio),很多监管者和业内人士称之为CAR。因此,资本充足率概念的出现也就是不到三十年的历史。
6、巴塞尔委员会是一个什么样的组织?
提到银行监管,就不能不提到巴塞尔委员会。巴塞尔委员会是1974年由十国集团中央银行行长倡议建立的一个由中央银行和银行监管当局为成员的委员会,主要任务是讨论有关银行监管的问题。成员国家包括比利时、加拿大、法国、德国、意大利、日本、卢森堡、荷兰、瑞典、瑞士、英国和美国。巴塞尔委员会的办公地点设在国际清算银行的总部所在地瑞士的巴塞尔。
7、什么叫《巴塞尔协议》?它与《巴塞尔核心原则》是一回事吗?
《巴塞尔协议》和《巴塞尔核心原则》是巴塞尔委员会制订的两个非常重要的、具有里程碑性质的文件。尽管它们的内容都是关于银行监管的,但它们却是完全不同的两个文件。
《巴 塞尔协议》是巴塞尔委员会在1988年制订的一个关于商业银行资本充足率计算方法的协议,全称为《关于资本度量标准的国际趋同》。协议主要规定了:资本的 定义,风险资产的权重,国际活跃银行的资本充足率应达到8%的标准等内容。尽管该协议的内容不具有法律约束力,但是十国集团各国的监管部门都一致同意在规 定的时间内实施该协议。经过一段时间的检验后,该协议显示出较高的可操作性和合理性,许多非十国集团国家也开始自愿遵守该协议。
《巴塞尔核心原则》也是由巴塞尔委员会起草,它的主要内容是关于银行监管的25条原则。目的是用于指导各国监管当局在从事银行监管时应遵循的一些原则。这 25条原则到底是银行监管的最低标准还是最佳作法,曾经引起过各个国家的激烈争论。中国为这25条原则的制订也作出了非常重要的贡献,而且还针对这25条 原则进行了自我评估。
8、为什么要制订《巴塞尔新资本协议》?旧《协议》有哪些缺点?
1988年《巴塞尔协议》公布之后,巴塞尔委员会对协议进行了五次修改。前四次主要是语言和措辞方面的改动,第五次(1996年1月)在协议中加入了市场风险的内容。考虑到巴塞尔协议公布多年之后,银行业务、风险管理实践以及金融市场都发生了巨大变化,1999年委员会决定对原协议进行较大的修改,以用一套更具风险敏感性的框架来取代原协议。目前,这项工作正在进行当中,预计要到2006年才能正式完成。
原《协议》最大的缺点就是大家所批评的风险敏感性不足。此外,业界和学术界常常批评的《协议》的缺点还包括诸如:协议缺乏法律约束力、对国际活跃银行不公平、以及引起了资本在银行和非银行金融机构之间的不公平的配臵、甚至还有人批评《协议》有可能会引起全球性或地区性的信贷紧缩、扰乱商业银行的产品定价等。
9、巴塞尔新资本协议》主要的特点是什么?
《巴塞尔新资本协议》最突出的特点是它的三大支柱。第一支柱是最低资本要求。商业银行必须要满足8%的最低资本充足率要求。第二支柱是监管部门的监督检查。第三支柱是市场纪律。
此外,《巴塞尔新资本协议》为了增强资本充足率计算方法的灵活性和风险敏感性,对信用风险、市场风险和操作风险分别规定了不同的风险权重计量方法。
对于信用风险,可以采用标准法、初级内部评级法和高级内部评级法。对于市场风险可以采用基本指标法、标准法和高级计量法。《巴塞尔新资本协议》还明确地将操作风险纳入了资本监管的范畴。
对新协议的争论目前还很多,但是,总体来说新协议力求在风险权重上更具风险的敏感性。
10、当一家银行出现流动性不足时,监管当局可以采取哪些救援措施?(论述题)商业银行一般都有应付流动性危机的紧急预案。但是,事实证明流动性危机很少会按照人们预料的方式发展。一般来说,当银行最初遇到
流动性问题时,可以 采取以下措施。
(一)从银行同业借款。但是一旦市场上获知该银行遇到流动性危机,则很难再从市场上获得资金,否则,融资成本会相当高;
(二)实现存款的多 元化。但是,这一措施发生作用要相当长的时间,远水难解近渴;
(三)停止发放贷款。该措施在短期内会发生作用,但停止放款会使银行最终失去利润、市场份额 和公众对它的信心;
(四)出售资产。该措施也可以在短期内发挥作用。但是,一般来讲容易出售的资产都是质量较好的资产,而剩下的都是缺乏流动性和质量差的 资产,那么如果问题严重的话,银行的盈利性和清偿能力都会受到影响;
(五)资产证券化。通过这种机制银行可以在短期内通过出售证券化资产而获得流动性。但 是从长远的角度来看,如果借款人最后不能履约,这种做法并不能使银行免于承担损失;
(六)股东的支持。通过股东追加资本或者把股东在银行的存款转为期限较 长的次级债务,有利于改善银行的盈利性和流动性。
(七)处理好与媒体的关系,尽量限制对银行不利的传闻;
(八)最后使用中央银行的最后贷款人的便利。
上述措施都有各自的局限性,因此应考虑银行的具体情况,采用不同的措施组合,从而找出副作用最小的方案。
11、什么是贷款分类?目前我国实行了哪两种贷款分类方法?
银行根据审慎的原则和风险管理的需要,定期对信贷资产质量进行审查,并将审查的结果分析归类,这一过程称为贷款分类。对贷款进行分类是商业银行据以提取贷 款损失准备金的基础。我国实行的贷款分类方法有两种。一种是以期限为基础的贷款分类方法(term based loan classification),即按照贷款逾期的程度,以及其他贷款特征,将贷款划分为:正常、逾期、呆滞、呆帐。这也是我们传统上所说的“一逾两 呆”,后三类合称不良贷款。
另一种是以风险为基础的贷款分类方法(risk based loan classification)。该方法是根据借款人的还款能力,将贷款的质量划分为正常、关注、次级、可疑和损失五个档次。这也就是我们平时所说的贷款五级分类。后三类称为不良贷款。不良贷款比率=不良贷款余额/贷款总额
相对而言,以风险为基础的贷款分类与以期限为基础的贷款分类相比较,能够更加真实地反映贷款的质量。该方法将逐步取代“一逾两呆”的方法。
12、贷款损失准备金包括哪些种类?
商业银行提取的贷款损失准备金一般有三种:一般准备金、专项准备金和特别准备金。
一般准备金是商业银行按照贷款余额的一定比例提取的贷款损失准备金。我国商业银行现行的按照贷款余额1%计提的贷款呆帐准备金就相当于一般准备金。
专项准备金应该针对每笔贷款根据借款人的还款能力、贷款本息的偿还情况、抵押品的市价、担保人的支持度等因素,分析风险程度和回收的可能性合理计提。我国 现行的《贷款损失准备金计提指引》规定,专项准备金要根据贷款风险分类的结果,对不同类别的贷款按照建议的计提比例进行计提。
特别准备金是针对贷款组合中的特定风险,按照一定比例提取的贷款损失准备金。特别准备金与普通和专项准备金不同,不是商业银行经常提取的准备金。只有遇到特殊情况才计提特别准备金。
13、贷款损失准备金的计提方法和比例是多少?
在很多西方发达国家,贷款损失准备金如何计提、计提比例是多少,都是由商业银行按照审慎原则自主决定的,计提标准主要是根据贷款分类的结果和对贷款损失概率的历史统计。在转轨经济国家则一般由监管当局确定计提原则,确定计提比例的参照标准。
根 据我国《银行贷款损失准备计提指引》规定,银行应按季计提一般准备,一般准备年末余额不得低于年末贷款余额的1%;银行可以参照以下比例按季计提专项准 备:对于关注类贷款,计提比例为2%;对于次级类贷款,计提比例为25%;对于可疑类贷款,计提比例为50%;对于损失类贷款,计提比例为100%。其 中,次级和可疑类贷款的损失准备,计提比例可以上下浮动20%。特种准备由银行根据不同类别(如国别、行业)贷款的特种风险情况、风险损失概率及历史经 验,自行确定按季计提比例。不良贷款拨备覆盖率是衡量商业银行贷款损失准备金计提是否充足的一个重要指标。不良贷款拨备覆盖率=贷款损失准备金计提余额/不良贷款余额。
14、什么是贷款的“集中”风险?
根据金融学理论,资产分散能降低风险。如果贷款过于集中于某一个行业、地区、客户或贷款类型的话,就会产生贷款集中的风险。也就是我们平常所说的 “把所有的鸡蛋都放在一个篮子里”了。贷款集中的一个重要限制性指标就是银行对单一客户的贷款余额与银行资本总额的比例,一般规定不应超过10%。最大 10家贷款客户的贷款比例高低也是衡量贷款集中度的重要因素,一般不应超过银行资本总额的50%。
15、判断一家银行好坏主要考察银行的那些方面?
简单地说,监管者评价一家银行的好坏最基本地要看以下几个方面:
(一)资本充足率;
(二)资产质量;
(三)管理,包括公司治理、内部控制等;
(四)盈利性;
(五)流动性;
(六)市场风险的敏感度等。这就是监管者最经常使用的骆驼评级体系的六个主要方面。
16、什么是净利差率?我们为什么要分析净利差率?
净利差率等于银行的利息收入减去利息支出,再除以生息资产(平均值)。净利差率的高低非常重要,因为利息收入往往是银行最重要的收入来源,而利息支 出则往往是银行最重要的支出项目。我国的商业银行尤其是这样。银行的业务类型对净利差(net interest margin)的影响很大。一般说来,零售银行业中银行的净利差较高,而批发银行业务中银行的净利差较低。而银行之间的竞争压力往往会导致净利差率越来越 低。而利差是有一个最低限度的,太低了以后就不足以弥补营业费用。当一家银行的净利差率过低或持续恶化时,就应该对这家银行引起警觉了。
17、银行规模快速增长是好现象吗?----我的面试题
对于银行规模的快速增长,我们应该辨证地来看。一方面,银行规模的快速增长可以给银行带来更多的业务机会和盈利增长点。但是,另一方面,银行规模的 过快增长也会给银行的稳健经营带来潜在的威胁。一些工业化国家银行监管人员的经验表明,增长过快是银行遇到困难的重要信号之一,在增长的高峰期所开展的业 务常常会使银行陷入困境。伴随业务的快速增长,往往会出现对于客户的质量不加选择,放松贷款标准,对员工的激励基于业务量的大小等现象。由于这种高增长带 来的问题不会立即显现出来,因此,银行管理层通常会向监管当局解释这种高增长是基于对良好的宏观经济和市场状况的自然增长。作为股东和监管当局应当对这种 快速增长保持清醒的头脑。
18、什么是资产回报率和资本回报率?
资产回报率,也叫资产收益率,它是用来衡量每单位资产创造多少净利润的指标。资产回报率= 税后净利润/总资产
资本回报率,也叫资本收益率,它是用来衡量每单位资本创造多少净利润的指标。资本回报率(资本收益率)= 税后净利润/所有者权益
资 产收益率是业界应用最为广泛的衡量银行盈利能力的指标之一。银行管理层出于战略管理的目的,通常非常密切地关注这一指标。银行监管人员在作盈利性分析的时 候,也要关注这一指标。主要是将该指标与同组的银行进行横向比较,或者与该银行的历史状况进行纵向比较。如果一家银行的资产收益率在一个会计的前三个 季度持续下降,而在第四个季度却突然上升的时候,就要对它的盈利性予以特别关注。很有可能个别银行对年终报表进行了特别的调整。
资产收益率的局限性在于它不能反映银行的资金成本,而资本收益率弥补了资产收益率指标的不足。
19、税收政策对商业银行的贷款损失准备金的计提有什么影响?
税务当局有权决定是否给予贷款损失准备金全额免税、部分免税或者全额纳税的待遇。西方发达国家的税务当局对贷款损失准备金的税务处理各不相同。一般来说,对普通准备金不免税或部分免税;对专项准备金倾向于部分或全额免税。
从 监管者的角度来看待这个问题,提高免税的比率,可以激励银行多提准备,符合银行监管当局要求银行审慎经营的目标。尤其是专项准备金,它反映的是贷款价值的 减少部分,是银行正常经营中的业务费用支出,应当冲减银行的收入。银行为没有实现的收入纳税显然是不尽合理的。同时,提高准备金计提比率有助于银行的长期 稳健发展,对于培养税基是有好处的。当然,以上只是监管者的看法,一个国家具体的税收政策还应当综合考虑各种因素。
当监管当局发现银行存在不审慎的经营行为时,可以对其采取哪些措施?
一 般来说,当监管当局发现银行虽然没有违反法律、法规,但是存在不审慎的经营行为时,可以要求商业银行采取纠正措施,在一定的期限内加以纠正。如果商业银行 没有按照监管当局的要求改正,或者商业银行的行为严重危及银行的稳健运行、损害存款人和其他客户合法权益的时候,经过一定的程序可以对商业银行采取以下措 施。
(一)责令暂停部分业务、停止批准开办新业务;
(二)限制分配红利和其他收入;
(三)限制资产转让;
(四)责令控股股东转让股权或者限制有关股东的权 利;
(五)停止批准增设分支机构。当然,如果银行发生了违法、违规行为,监管当局就要依照法律、法规的要求对其进行处罚。
20、什么是回购协议?
一般是指交易双方在货币市场上买卖证券融通资金的同时签订一个协议,由卖方承诺在日后将证券如数买回,买方保证在日后将买入的证
券回售给卖方。因 此,回购协议基本上是一种以证券为担保品的短期资金融通。期限在1天到6个月不等,具有金额大、风险小、期限短和收益低的特点,可以说是一种安全有效的短 期融资工具。
寒凌鲨的高分面经
资格审查篇
2月6日,下午两点开始银监局资格审查,银监局的外面会贴出笔试的考场,在银监局门口查了身份证就可以进去了。资格审查要注意: 1.2.3.专业考试笔试篇
2月7号早上9点笔试,要提前15分钟进考场,最好早点到。我们八点半就被引考从大门处带去考场。所以最好8点半到银监局门口。笔试有以下几点: 1.2.3.4.5.6.7.8.9.10.11.面试篇
8点半开考,提前半个小时进入待考区,抽签后收手机。各个专业分开面试,每个专业一个房间,隔得很远。九个面试官,中间是主考官,是省局副局长,旁边有录取的局的局长。最左边两个是考英语的,最右边两个是考技术知识的 考了很多问题。最先有自我介绍,三分钟之内。大概有六个左右的非技术题。
1.你为什么报这个地方的分局,是否接受调剂
2.你是否愿意在从事这个工作的时候也做一些统计和文案的工作
3.如果领导正在开会所需要的文案,一个银行工作人员需要你商讨的文件,一个你通常会参加的会议,三件事你怎么协调 4.你应聘这个职业最大的优势是什么 5.你最大的优缺点是什么
6.如果你同时被银监会和商业银行录取,你选择哪一个,为什么 好像还有其他问题,我不记得了 技术题: 专业考试只有计算机的内容,单选1分*10,多选1分*10,判断1分*10,简答5分*2,论述15分,分析15分。英译汉15分,汉译英15分。
考试内容非常广泛,主要涵盖网络,数据库,软件工程,很多是课本上没有的内容。OSI的七层协议认真看一下,有一个多选是关于软件开发的几个步骤。论述题:请写出OLTP和OLAP的全拼和区别。(15分)简答题1:入侵检测系统的作用(5分)简答题2:网络层主要的两个协议(5分)判断:入侵检测系统是主动的保护网络不受攻击。判断:HOLAP是完全使用数组存储数据的OLAP。
分析题:题目中给了一个由两个三层交换机和二层交换机构建的网络图,两个三层交换机互为备份。回答两个网络核心的作用;在连接INTERNAT的地方设臵防火墙的原因;划分VLAN之后数据交换的路径。(15分)
汉译英:关于经济增长和GDP增长的一段文字。主要意思是:2007年经济危机主要是由美国次贷危机引起的,“金砖四国”仍保持持续增长。中国的GDP仍然较快增长。
英译汉:也是一段关于金融的文章,十多行,难度在考研英语的难度上,长句多。那个报名登记表,需要通过最开始的报名系统打印出来,不能够自己下载了空白的登记表然后填写,否则会让你回去重打。通过系统打印的时候会出现右边打印不全的状况,需要在打印的时候调整一下边距和字体,然后打印。
应届毕业生要带身份证复印件和学生证复印件,身份证的需要正反两面都印在一页上,学生证需要有照片的那一页和封面印在一起。
就业生推荐表记得要带,如果没有,最好提前问一下怎么办,是否需要写证明。如果你们学校只给一份就业推荐表,记得准备复印件,可以跟他说说然后只给复印件。
第五篇:银监会历年英语面试真题及参考答案
银监会英语面试题目
个人:
1、Self-introduction(向考官推销自己)Good afternoon.It's a great honor for me to be here.Now let me introduce myself briefly.My name is XXX,.I'm XX years old, born in XXX.I'm currently a student in XXX University, majored in XXX.I'll get my master degree of economics in this summer.Firstly, I'm a good learner at school.Through six years study, I've got a solid grasp of financial theories and economic knowledge.I want to put i learned in shool into practice.Secondly, I'm a good problem solver.I have participated several important research projects, such as the research on the strategic industries, which won the second prize in the paper contest.Last but least, I'm a good team player.I have been XXX of Student Union, organized several college activities such asXXX.When served at the Red Cross Society , I have participated in youth volunteer activities for many times.And I'm honored as the “Excellent Volunteer” ,which is my pride.These activities cultivate my team spirit and teach me how to communicate efficiently and accomplish tasks systematically.TO sum up, I'm a cheerful, diligent and responsible girl.Being a regulator in CBRC is my long cherished dream.I hope you can give me the chance.Thank you for listening.2、what’re your hobbies?What extracurricular activities do you take at school?(你的业余生活)
I have a lot of hobbies.I like reading, climbing mountains, playing badminton and photograph.I like to play badminton best.My reasons are as follows: Firstly, it helps me enhance my physical health.Though running and playing ,I can have more excises.Secondly, it cultivate my team spirit and teach me how to cooperate with my partner and compete with my opponent.Last but not least, it gives me a lot of fun.It can strengthen the friendship with my friends.I enjoy myself very much in this game.Whenever i feel down, i will play badminton with my friends.It will cheer me up.I have took a lot of extracurricular activities in school.I have participated I have been the XXX of Student Union, organized several college activities such as XXX.When served at the Red Cross Society , I have participated in youth volunteer activities for many times, such as peer education, donation blood without payment.And I'm honored as the “Excellent Volunteer” ,which is my pride.These activities cultivate my team spirit and teach me how to communicate efficiently and accomplish tasks systematically.3、Tell me the hardest time of study in your life The hardest time of study in my life happened in the first semester when i enter into XXX University.I have to learn a lot of difficult and abstract subjects.At the same time, I have to participate the research work organized by my tutor.The research work was complicated to me and I didn't known how to handle it.With the proper time management and the help of my classmates and tutor, I quickly went into the role and finish my task successfully.Firstly, i try to learn the time management and make proper arrangement for my study time and research time.Secondly, i try to learn from my classmates and tutor.With their help, i have mastered the basic research skills and how to carry out the research work.Thirdly, i try to strengthen my communication skill and learn how to cooperate with my classmates.It cultivate my team spirit which is very beneficial to my future.At the end of the semester, i have got very good records in my study.And one of my research work have won me the second prize in the paper test.4、which subject do u like best , why? The subject i like best is called Financial Topics, which is taught by XXX.My reasons are as follow: Firstly, the subject is very useful.It uses financial theories to analyze the economic phenomena happen in our real life.Secondly, the teacher is very humorous.He uses a lot of jokes and metaphors which makes the class very interesting.Thirdly, this subject gives us the opportunity to show our opinions.We are divided into several groups to discuss the topics and show our results in the class.To sum up, this subject is both useful and interesting and provides the platform to show our opinion in this financial topics.5、what's your strength and weakness?
My strength lies in my ability to handle the difficulties.No matter what happens, I will not lose confidence and give up.I will use my own strength and the help from my family and my friends to over the difficulties.I believe the difficulties are the good opportunity to learn and i will grasp it to improve myself.My biggest weakness is lack of experience.So as a student just graduate from school, i will try to learn from my colleagues and leaders, I will spare no efforts to improve my working abilities and expertise knowledge of banking regulation.6、大学期间都学到了什么东西?为什么你觉得你适应这个岗位?
Through six years study, I've got a solid grasp of financial theories and economic knowledge.This expertise knowledge will facilitate my future work.On the one hand, I will put what i learned in school into practice.It helps me understand my work deeply and learn the new knowledge from practice.On the other hand, the economic theories always teach me to keep the cost and profit, the risk in mind.It teaches me how to analyze problems logically and rationally.I think this is of special importance to bank regulators.I think my knowledge base, my ability ,my character suit me in this job.Being a regulator in CBRC is my long cherished dream.I hope you can give me the chance and i will not let you down.7、从你的兴趣、专业上谈谈你的职业规划 Through six years learning, I have got a solid grasp of financial theories and economic knowledge.I will get my master degree of economics in this summer.I want to put what I learned in school into practice.Besides I'm interested in banking regulation.Just as the saying goes“ Interest in the best teacher.” I will enjoy myself in being a regulator.Being a regulator in CBRC is my career planning.It can give full play to my knowledge base, my abilities and my interests.That's why i want to work in CBRC and be a regulator..8、现在就业你最看重薪资吗
Payment is one of the factors to consider in job-hunting, but it is not the most important one.I'm looking for a job being meaningful and important which can incorporate my knowledge, my skills and my interest.Being a regulator in CBRC is the best choice for me.First of all, CBRC is specialized in banking supervision and regulation.It has great influence on the stability of banking institutions and the sound development of our financial system.I want to contribute my strength in this great undertaking.Secondly, through six years learning, I have got a good grasp of financial theories and economic knowledge.The work in CBRC can put what I learned in school into practice.Last but not least, I'm interested in banking regulation.Just as the saying goes“ Interest in the best teacher.” I will enjoy myself in being a regulator.That's why i want to work in CBRC and be a regulator.9、introduce one of your favorite book My favorite book is Gone with the wind.It describes a stroy about a lady called Scarlett during the American civil war.My reasons are as follow: Firstly, this book reflects a perpetural truth that war always brings deeply pain to humain beings no matter when and where.Secondly, it tells me what is real romantic love.Love is a kind of useage.The one you feel that you love may not really be.Most significantly, the heroine Scarlett teaches me a precious living truth that no matter what will happen in my life, I cannot and shouldn't give up my mind.Everyone’s life is like a long road, and on the road there are many obstacles.Nobody can predict what will happen next minute, so what can we do is to stick to our belives and try our best to reach our goals.Scarlett suffers a lot, but she succeeds in the end for her adament spirit.“Tomorrow is another day”, so we should see every new start in our life.I love this book very much.It really teaches me a lot.I wish myself a bright future.Tomorrow is another day!
10、目前的OFFER情况,为什么没去
I will soon graduate from XXX University.In the eve of graduation, I have been actively looking for work.I have participated the written tests, the interviews of XXX companies.And luckily, i have been admitted by the XXX, telecommunications companies, Sina Corporation.There are not my best choices.My reasons are as follow: Being a regulator in CBRC is my long cherished dream.CBRC is authorized by the state council to regulate banking industries.It has great influence on the sound development and stability of the financial system.The financial crisis in 2008, fully stand out the importance of supervision.I want to contribute my own strength in this great undertaking.I learned six years of economics and financial theory knowledge.I want to put what I learned in school into practice.CBRC can give full play to my professional knowledge, personal interest, I very much hope to the CBRC work.11、你的毕业论文的选题是什么?为什么选这个?
The topic of my graduate thesis is about XXX.The goal of the thesis is to researchXXX.I choose this topic for several reasons.Firstly„„ Secondly„„ Thirdly„„
综合类:
1、怎样看待竞争与合作?
Competition and cooperation are common phenomena in our society.Some people believe that competition and cooperation are in opposite to each other.But I don't think so.We find in many places competition goes hand in hand with cooperation.Let's take football game for example.During the game, one team is competing with the other team, but each member of the team must cooperate with his teammates.Otherwise, they will lose the game no matter how skillful individual player might be.It is clear that competition has much to do with cooperation.On the one hand, competition stimulates people's interest in work and helps society go forward.On the other hand, cooperation is essential and necessary because most work in our society is fulfilled with other people.From cooperation we get mutual help and understanding.With cooperation the world is progressing at peace and in harmony.To sum up, competition and cooperation are both essential to success and should be emphasized at the same time.2、IQ和EQ哪个更重要,追问有IQ没EQ和有EQ没IQ两者谁更容易成功?
IQ is short for Intelligence Quotient.EQ is short for Emotional Quotient Both IQ and EQ are essential to success.If we have to compare these two factors, i will say EQ is more important.My reasons are as follow: First, while IQ defines how smart we are, EQ defines how well we use what smarts we have.Just as one psychologist say“ IQ gets you hired, EQ gets you promoted.” without a high level of EQ, may be we can't put what we learned in school to practice.Second, EQ helps us judge situations and deal with interpersonal relations.We live in a society and we needs to cooperate with each other.Without a high level of EQ, may be we can't work efficiently and live in harmony.Just as the saying goes“Success equals 20% IQ ,80% EQ” I come up to the conclusion EQ is more important than IQ.If we want to success, we need to improve both IQ and EQ.3、How do you think about team spirit and do you think you are a team worker? Team spirit is very important.It is an ability that people can understand each other and cooperate with each other to complete tasks successfully.We need for team spirit for several reasons.First of all, team spirit offers us a platform where we can operate our collective talent to work out the best.Taking the Shanghai world expo for example, I think the success of the event first goes to the superb team spirit of the organizers and hundreds of young volunteers.So many people work hard and cooperate well for the single aim;an exceptional world Expo.A lot of student volunteers in Shanghai are committed and work tirelessly during the hot summer.What is more, team spirit is quite useful for personal career.When working in a company, most of the time we have to finish or design a huge project with our colleagues.Each person can contribute their wisdom to the completion of the task.We cannot do it so well single-handedly.Finally, team spirit is the symbol of national power and strength.Another example is the touching power of the team spirit in the Sichuan earthquake.We were moved by the perseverance and persistence of the rescue workers, who were eager to help their compatriots.In conclusion, team spirit is an important ability and skill in the 21th century because we are all faced with the globalization and the question of how to live better.Therefore, we must learn to work well in the team and let the team spirit guide us to success.I'm a good team player.I have been the Vice Leader of Student Union.With the help of my teammates, we have organized several college activities such as Zhang Weiying' speech.Without their help and contribution, I can't do it alone.These activities cultivate my team spirit and teach me how to communicate efficiently and accomplish tasks systematically.4、You have took part in some projects, what do you think about creativity?How do you think creativity in project Creativity refers to new thinking, new ideas, new methods.A little change, can make things better, this is Creativity.Creativity is one of the most important things in the world because if each person did not have creativity then you would see everything the same.Each person has there own type of creativity and that is why there are unique art, movies, clothing, hair styles, etc.Be creative!
I think creativity is very important in project.My reasons are as follows: Firstly, creativity find out the problems in the project.It prompts us to survey more, think more and practice more.Secondly, creativity find out the better solution for the problem.Though the communication with other team members, creativity will be created from the Brain Storm.Last but not least, creativity makes the project different from others.It helps the project stands out and make it more meaningful and more useful.As the old saying goes“creativity is the soul of the nation”.We should stimulate out creativity and let creativity guide us to success.5、地震中最令你震惊和感动的事 The most surprise thing in the earthquake is that Humans could not resist the forces of nature The most touched thing is that the Fukushima six heroes who risked their lives to save nuclear power station.Though the Japan earthquake, I learn the that the Earthquakes can create huge waves, huge waves can create nuclear disaster.We must assess the risk of a thing before start it.6、钱重不重要?(如何看待很多人都希望有更多的钱)
As we live in a materialistic society, with no doubt, money is very important.We need money to buy food, clothing, shelter and transportation.Without money, we can't live in this world.But it doesn't mean that money is the most important thing.Money can't buy health, friendship, happiness and love.There are a lot of things more important than money.We should pursuit money and use money in a proper way more beneficial to the society and world, just like the Bill Gates, he uses money to help more people and through this he becomes more happy.My overall view is:Money is very important,without it,we may never be able to live.But we cannot ignore other value things just for money.7、如何看待校园恋爱
Campus love is a very common phenomena among college students nowadays.Some college teachers argue that students should give up love for the sake of learning.They maintain that love is time consuming and influences one’s learning.Some students, however, hold that a student who falls in love will study harder and will make greater progress.They don't believe that a person in love lags(落后)behind in his studies.Well ,in my opinion, campus love is a double-edged sword.On the one hand, campus love is pure and beautiful.Love is one of the greatest emotion in the world.On the other hand, it occupies part of learning time.When the couple breaks, it brings suffer and pain.So we should deal with the relationship between love and learning in a ration way.Make proper arrangements for love time and learning time.Let love becomes the impetus for learning and progress.Try to be mature and rational in the love progress.10、市场经济体制下,企业只追求盈利性对吗
In the market economy, pursuit profit is one of the main targets for the enterprises.It is no ground to blame.With more profit, enterprise can grow and develop in a better way.But it is not the only goal.There are many other important goals, such as safety, social responsibility and so on.Especially for the commercial banks, the management principle is “liquidity, safety and profit” for the enterprises ,we hope they can undertake more social responsibility.In fact this is not contradictory, if one enterprise can undertake the social responsibility, then set up a good image in front of the public, so more and more people will buy this enterprise’s products.The enterprise will be more profitable.To establish a virtuous cycle.CBRC:
1、What do you know about CBRC? CBRC is short for The China Banking Regulatory Commission.CBRC is authorized by the State Council to regulate the banking sector.The main function of CBRC can be concluded as: Firstly, to formulate supervisory rules and regulations , authorize the establishment, changes, termination and business scope of the banking institutions;Secondly, to conduct on-site examination and off-site surveillance of the banking institutions, and take enforcement actions against rule-breaking behaviors;Thirdly, compile and publish statistics and reports of the overall banking industry.Last but not least, it is responsible for the routine administration of the supervisory boards of the major State-owned banking institutions.The goal of CBRC is to protect the interests of depositors, maintain the market confidence, enhance the competitiveness of banking institution as well as combat financial crimes.2、What are the rules and functions of CBRC The main function of CBRC can be concluded as: Firstly, to formulate supervisory rules and regulations , Authorize the establishment, changes, termination and business scope of the banking institutions;Secondly, to conduct on-site examination and off-site surveillance of the banking institutions, and take enforcement actions against rule-breaking behaviors;Thirdly, compile and publish statistics and reports of the overall banking industry.Last but not least, it is responsible for the routine administration of the supervisory boards of the major State-owned banking institutions.The rules of CBRC can be concluded:
Firstly, to promote the financial stability and facilitate financial innovation at the same time;Enhance the international competitiveness of the Chinese banking sector;Secondly, to set appropriate supervisory and regulatory boundaries and refrain from unnecessary controls;Employ supervisory resources in an efficient and cost-effective manner.Last but not least, Encourage fair and orderly competition;Clearly define the accountability of both the supervisor and the supervised institutions;
The supervisory and regulatory criteria of the CBRC 银监会的监管标准
a.Promote the financial stability and facilitate financial innovation at the same time;良好监管要促进金融稳定和金融创新共同发展
b.Enhance the international competitiveness of the Chinese banking sector;要努力提升我国金融业在国际金融服务中的竞争力;c.Set appropriate supervisory and regulatory boundaries and refrain from unnecessary controls;对各类监管设限要科学、合理,有所为,有所不为,减少一切不必要的限制 d.Encourage fair and orderly competition;鼓励公平竞争、反对无序竞争
e.Clearly define the accountability of both the supervisor and the supervised institutions;
对监管者和被监管者都要实施严格、明确的问责制
f.Employ supervisory resources in an efficient and cost-effective manner.要高效节约地使用 一切监管资源
3、why do you want to work in CBRC? My reason are as follow: First of all, CBRC is specialized in banking supervision and regulation.It has great influence on the stability of banking institutions and the sound development of our financial system.I want to contribute my strength in this great undertaking.Secondly, through six years learning, I have a good grasp of financial theories and economic knowledge.I want to put what I learned in school into practice.Besides I have internship in commercial bank.It enables me to understand the basic business scope of banking institution.Last but not least, I'm interested in banking regulation.Just as the saying goes“ Interest is the best teacher.” I will work hard on it if i have a chance to get this job.To sum up.I believe CBRC can give full play to my knowledge base, my abilities and my interests.That's why i want to work in CBRC.4、Why do u want to be a regulator?
To be a banking regulator is my dream.My reason are as follow: First of all, regulation has great influence on the stability and development of financial system.Its importance is widely acknowledged especially after the financial crisis happened in 2008.I want to contribute my strength in this great undertaking.Secondly, through six years learning, I have a good grasp of financial theories and economic knowledge.So I want to put what I learned in school into practice.Besides I have internship in commercial bank.It enables me to understand the basic business scope of banking institution.Last but not least, I'm interested in banking regulation.Just as the saying goes“ Interest in the best teacher.” I will enjoy myself in being a regulator.To sum up, I believe being a regulator can give full play to my knowledge base, my abilities and my interests.That's why i want to work in CBRC and be a regulator..5、If you enter the CBRC, how would you perform your work
If I luckily have the chance to enter CBRC, i would perform my work as follows: First of all, try to understand the working situation of CBRC, including rules, regulations, business processes, work style, interpersonal relations and so on.Thus I can have a clear understanding of my work and responsibility and suit myself quickly in CBRC.Secondly, as a new employee with little experience, I should be modest and diligent, learn from my supervisor, colleagues.Strengthen the communication skills and ask for help if necessary.I will accept their suggestions and criticism.Last but not least, don't afraid to take responsibilities.Think well before making actions and ask for help if necessary.Cherish every opportunity to improve myself and take care of every task leader gives me.If i have done something wrong, admit the error bravely and learn from the mistakes.To sum up, as a new employee, I should be modest, diligent and hard-working in order to perform task well and win the trust of my leaders and colleagues.6、银监局的工作与你所学内容之间的关系(你的专业知识对今后工作的帮助)
Through six years learning, I have got a good grasp of financial theories and economic knowledge.This expertise knowledge will facilitate my future work.On the one hand, I will put what i learned in school into practice.It helps me understand my work deeply and learn the new knowledge from practice.On the other hand, the economic theory always teach me to keep the cost and profit, the risk in mind.It teaches me how to analyze problems logically and rationally.I think this is of special importance to bank regulators.7、银监工资待遇不高,为什么来
Payment is one of the factors to consider in job-hunting, but it is not the most important one.I'm looking for a job being meaningful and important which can incorporate both my education and practical work skills.Being a regulator in CBRC is the best choice for me.First of all, CBRC is specialized in banking supervision and regulation.It has great influence on the stability of banking institutions and the sound development of our financial system.I want to contribute my strength in this great undertaking.Secondly, through six years learning, I have got a good grasp of financial theories and economic knowledge.The work in CBRC can put what I learned in school into practice.Last but not least, I'm interested in banking regulation.Just as the saying goes“ Interest in the best teacher.” I will enjoy myself in being a regulator.That's why i want to work in CBRC and be a regulator..8、如果你要做一个监管项目,需要相关数据,并且要求提供准确的结果,步骤是什么。The accuracy of the data is the starting point and destination point of the investigation.In order to obtain accurate data, I will carry out investigations as follows: Firstly, according to the survey purpose and requirements, I will make proper investigation plan, including the time, place, matter, and participants and other details.Secondly, after the agreement of the leader, I will conscientiously implement the personnel division of labor.Thirdly, in the progress of investigation, I will apply a variety of survey methods, such as questionnaires, face-to-face interviews, online open for comments.During the process if there should encounter any problem, i will solve them timely to ensure that the investigation work carried out smoothly Last but not least, after the survey, I will analyze the data scientifically, both qualitatively and quantitatively.And finally I will accomplish the the survey report for the leadership review.9、如果你和同事对一件事情有不同的看法,如何达成一致
It is a very common phenomena in work.Every one is unique.We have different knowledge base, different ways of thinking, different experience.And i believe this is a good phenomena.It proves that we work hard and we try to reach a better result.When we have different opinions in the work, firstly, try to accept it with an open heart and listen to it with careful ears.Secondly, analyze these idea according to cost and benefits to see which one is better.Finally, after proper analyze and compare, judge which one is better and make the decision.I belive through effective listening , communication and analyze, we can finally come to a conclusion and reach a better solution.10、你认为怎么成功完成从学生到工作的转换? 1.Clear objectives.The aim of students is to learn the basic knowledge.And aim of employee is to achieve business goals.The clear aim will help me converting from student to work smoothly.2.Communication.I will communicate with other colleagues, to learn from experienced staff, share my ideas with others.3.Team sprit.I will work with my team member, help each other, exchange of needed goods.经济类:
1、what is the goal of monetary policy? Monetary policy refers to a set of policies took by the central bank to control the supply of money and interest rates.In the short term, the goal of monetary policy is to control the currency value and interest rates.In the long term , the goal of monetary policy can be concluded as: First, fight inflation and deflation thus to keep the price index stable;Second, keep international payments balanced, don't make it too strong or too weak.Last but not least, the monetary policy is committed to promoting low unemployment and high economic growth.2、what monetary policies the central bank usually take? Monetary policy refers to a set of policies took by the central bank to control the supply of money and interest rates for the purpose of promoting economic growth and stability.Monetary policy can be divided into two types, expansionary or contractionary。
The first type is expansionary monetary policy.It increases the total supply of money in the economy more rapidly than usual.Expansionary policy is traditionally used to combat unemployment in a recession by lowering interest rate.Lower interest rate can stimulate investment and easy credit will entice businesses into expanding.Thus, it helps the economy get out of recession.The second type is contractionary monetary policy.It expands the supply of money more slowly than usual or even shrinks it.It is intended to slow inflation in the hopes of avoiding the distortions and the loss value of assets.Its goal is to prevent overheated growth.3、What monetary tools the central bank usually take?
Monetary tools took by the central bank can be divided into two types, the ordinary tools and the selective tools.The first type is the ordinary tools.It includes the deposit reserve ration, the rediscount rate, open market operation.These three tools are also called the three magic weapon.The second type is the selective tools.It includes the credit control on consumers, stock market, real estate, the preferential interest rate, the window guidance and moral suasion.These monetary tools are used by central banks to implement monetary policy in order to ensure the stability and sound development of our national economy.4、国际金融危机对哪类企业影响最大,如何影响
In my opinion, the international financial crisis has the greatest impact on the small and medium sized enterprises specialized in exports.Reasons for this can be concluded as follow: Firstly, Small and medium sized enterprises rely heavily on external demand.Since the outbreak of financial crisis, the import demand of European and USA economies shrink seriously, leading to reduced orders.Secondly, small and medium sized enterprises' have weak competitiveness and low innovation capacity.The exports they produce are labor-intensive and can be easy copied.They have no proper mechanism to resist risks when demand shirks and cost goes up.Lastly, SME have difficulties to get financing from market and commercial banks which exacerbates the situation.In order to soften the negative effect caused by financial crisis, we should increase domestic demand, urge SME to speed up transformation and upgrading and provide proper credit to support their development.5、国际金融危机对中国的影响(欧债危机对我国的影响)
The globe financial cirsis has diverse impact on our national economy.The influence can be concluded as: Firstly, financial crisis affects China's exports through trade channel.The external demand of European and USA economies shrink seriously, leading to reduced orders.Besides the worldwide economic slowdown may lead to trade protectionism which makes a much more difficult situation for the export enterprises.Secondly, financial crisis affects capital inflows through financial channel.It increases global risk aversion, capital inflows will decline.Thirdly, financial crisis affects capital markets through the confidence channel.It increases the uncertainty about the future thus discourage the investment, which can be reflected by the stock market.Last but not least, financial crisis causes the loss value of China's foreign currency reserve assets.In order to soften the negative effects caused by financial crisis, we should increase domestic demand, speed up transformation and upgrading and strengthen the capacity to resist risk.6、wto对于发达国家,发展中国家的不同作用
The World Trade Organization(WTO)deals with the global rules of trade between nations.Its main function is to ensure that trade flows as smoothly, predictably and freely as possible.WTO plays different roles in developed countries and developing countries.Firstly, for developed countries, by their strong power and status in WTO, they can make trade rules and regulations more beneficial to their own interests.Thus, developed countries can fully enjoy the cheap goods and services from the developing countries and export more high-tech goods to the developing countries.Secondly, for the developing countries, entering WTO is a double-edged sword.From the sight of exports, they can enjoy certain rights in WTO such as the Generalized System of Preferences.From the sight of imports, WTO makes their market more competitive which will urge the domestic enterprises become more efficient.The negative effect to participate WTO is that they may hurt by the trade protectionism and their national industry may be challenged.In my opinion, the benefits overcome the harm which can be proved by the ten golden years happened in China since we entered the WTO.7、入世十年对中国产生的影响
Since our accession to the WTO in 2001, China has actively participated in the globalization process and made remarkable achievements in foreign trade, foreign capital utilization and international economic cooperation.Remarkable achievements can be concluded as follow.Firstly, in trade aspects, China's foreign trade volume goes up from sixth place in 2001 to second place in 2010.China becomes the greatest exporter and the second-biggest importer.Secondly, foreign investment achieves comprehensive improvement in scale and quality.China has become the second largest foreign investment recipient country in the world.The focus has been shifted from scale and speed to quality and efficiency.The means have been diversified as well.Thirdly, outbound investments and international economic cooperation increased continuously.They are playing positive roles in promoting China's stable and relatively rapid economic development.Last but not least, the socialist market-oriented economic system has been greatly improved during the ten years.In the future, China will continue to implement the mutually beneficial and open strategy and further raise the level of the opening-up.8、这次金融危机与监管者有没有关系
One of root causes of financial crisis happened in 2008 is lack of effective financial regulation which can be concluded as follow: Firstly, it lack of effective financial regulation aimed at investment banks, finance companies and mortgage dealers.These financial institutions took this opportunity to use new derivatives to purse high profit.Secondly, it lack of effective regulation to financial innovation.Derivatives belong to virtual sectors of the economy, financial product innovation and development can not be divorced from the needs of the real economy, otherwise, there will be a bubble economy, and ultimately harm the development of the real economy Thirdly, it lack of effective financial regulation of senior executives of financial institutions.Their decision-making is directly related to the stability and development of financial system.Fourthly, it lack of effective regulation to credit rating agencies.The wrong information they give misguided consumers and cause huge losses to investors.Last but not least, lack of coordination between financial regulators, leads to failure of financial supervision.We should learn from the financial crisis and steadily promote the reform of the financial regulatory system to better meet the demands of economic development.9、入世后中资银行所面临的三个最主要的问题,该如何面对和解决?
Accession to WTO poses great challenges to Chinese banking industry.Firstly, it put forward higher requirements of the bank's management, internal control and risk prevention.Secondly, market competition becomes more fierce.Both foreign banks and Chinese banks compete for high-quality customer resources and financial talents.Thirdly, it urges Chinese banks to accelerate financial innovation to meet the demands of internationalization Facing these problems, the domestic banks should take the following measures.First,we should learn from the advanced experience of the oversea banks.Change the business philosophy from product-oriented to customer-oriented.Second, Improve the bank's corporate structure, internal control system as well as the risk mechanism in accordance to the principle“safety, liquidity and yield”.Third, strengthen financial innovation to meet the needs of modern banking, in order to attract customers of high quality.Fourth, Strengthen human resources management to attract financial professionals and talents.Last but not least, we should increase the exchanges and cooperation between Chinese banks and foreign banks and maintain the sound development of banking industry in China.10、入世十年对中国金融业的影响
After China's accession to WTO, China's financial sector has achieved significant progress which can be concluded as follow: First, China's financial markets, financial institutions and financial system become more
market-oriented and institutionalized The market price mechanism has gradually become the basis of the allocation of financial resources.Second, a modern corporate governance mechanism has been established in China's financial sector as well as the internal control system and risk prevention system.Third, the asset size, the operating mechanism and results of China's banking industry are gradually narrowing the gap with the international financial industry.The financial services have been diversified to meet the demand of globalization.Fourth, China's financial sector becomes more internationalized, which can be reflected ,not only in the introduction of foreign financial institutions, but also in the go out of China's financial institutions to “go out”, as well as RMB internationalization.Last but not least, we have built an effective financial supervision system to protect the sound development and stability of financial system according to Basel agreement.In short, the ten years after accession to WTO has seen the rapid development and prosperity of China's financial industry.11、入世十年对中国银行业的影响
After China's accession to WTO, China's banking sector has achieved significant progress which can be concluded as follow: First, China's banking industry become more market-oriented and institutionalized.The market price mechanism has gradually become the basis of the allocation of financial resources.Second, a modern corporate governance mechanism has been established in China's financial sector as well as the internal control system and risk prevention system..Third, establish a modern banking supervision system, improve the professionalism and effectiveness of supervision to protect the financial security and stability.Fourth, China's financial sector becomes more internationalized, which can be reflected ,not only in the introduction of foreign banking institutions, but also in the go out of China's banking institutions to “go out”
Last but not least, we have built an effective financial supervision system to protect the sound development and stability of financial system according to Basel agreement.In short, the ten years after accession to WTO has seen the rapid development and prosperity of China's banking industry.12、如何看待2011年股市 股市是“经济晴雨表”,是实体经济的反映。股市的良性发展,有利于企业募集资金,有利于公众分享经济发展的成果。
2011年股市,A股十年零涨幅,80%的股民亏损,主要反映了以下几方面的问题:
1、反映世界经济复苏放缓,我国经济增长速度趋缓,暴露出市场对于经济发展前景的担忧
2、证券市场的新股发行制度不完善,重融资轻分享,公司治理结构不健全等诸多体制性问题
3、证券市场的监管不利,暴露出很多公司丑闻。
引导股市走上良性的发展道路,我们应采取以下措施:
1、进一步完善股市发行制度,把握好新股发行的节奏和力度
2、规范上市公司的运行,完善法人治理结构,促进经营管理水平的提高
3、加强证券市场的监管,打击内部交易,加强信息披露,为股市发展提供良好的发展环境,提振公众信心
4、放开养老基金、社保基金投资A股的门槛,为股市注入新鲜的血液
The stock market is a barometer of the economy, a reflection of the real economy.The sound development of the stock market, will help the enterprises to raise funds, the public to share the fruits of economic development.The stock market in 2011 is a tragedy, the index of A-share falls heavily and 80% of the investors suffer from the loss, which reflect the following aspects: Firstly, it reflects the slowdown of the economy, both domestically and worldwide, exposing that the market worries about the prospects for economic development.Secondly, it reflects the imperfection of the stock market system, especially the IPO, emphasizing on financing, neglecting on sharing.Last but not least, the regulation of the securities is not effective, exposed a lot of corporate scandals.In order to guide the stock market on a healthy path of development, we should take following measures: Firstly, we should further improve the stock market and distribution system, and grasp the rhythm and intensity of the good new shares issued.Secondly, further improve corporate governance structure of the listed companies as well as the management.Last but not least, we should strengthen the supervision of securities markets, to combat insider trading, to improve information disclosure, and provide a good development environment for the development of the stock market, and boost public confidence
12、欧债危机的起源,对中国的启示
欧债危机发生的原因是多方面的,主要有:
1、欧元是非主权货币,货币体系与财政体系没有进行良好的对接
2、欧元区国家经济发生不平衡,法国、德国、希腊、爱尔兰经济差异比较大,货币同盟的一个前提条件就是区域内国家的经济发展水平相似
3、欧元区国家普遍高福利,造成了巨额的财政赤字
4、虚拟经济过度繁荣,脱离实体经济发展,造成产业的空心化 对中国的启示:
1、改善民生,加强社会保障,要与国情相符合,循序渐进,不可一味追求高福利
2、财政政策与货币政策要相互配合
3、推动城乡一体化发展,减少东西部之间的差距
4、坚持金融支持实体经济发展,合理引导资金流入实体经济,促进实体经济的又好又快发展
The causes of European debt crisis can be concluded as follow: Firstly, Euro is a non-sovereign currency.Its monetary system and financial system are not matched with each other.Secondly, the economies of Euro zone are not balanced.There are large gaps between France, Germany and Greece, Iran.The prerequisite of the monetary union is the economies inside are similar to each other.Thirdly, the euro-zone countries generally have high welfare, resulting in a huge budget deficit Last but not least, the virtual economy develops over prosperity.And it is deforced from the real economy, resulting in the hollowing out of industry Implications for China:
1、Fiscal policy and monetary policy should complement each other
2、To promote integrated development in urban and rural areas.To reduce the gap between eastern and western regions.3、While improving people's livelihood, the social security should be consistent with national conditions, step by step, not the blind pursuit of high welfare
4、Adhere to the financial should support for the development of the real economy.Guide the funds flow into the real economy, to promote the sound and rapid development of real economy.13、如何提升银行的服务质量
1、转变经营理念应以客户为中心,而不是产品为中心
2、加强雇员的培训,提高操作能力,改善服务态度
3、实行科学合理的考核制度,将服务质量囊括进去,让客户评价质量
4、改善营业网点的环境,让客户更加舒适
How to improve the quality of banking services?
1、Changes the business philosophy of customer-centric rather than product-centric.2、Emphasis on employee training, both the operating capacity and the service attitude.3、Implement the scientific and rational evaluation system to include quality of service, and allow customers to evaluate quality
4、Improve the environment of the outlets to make customers more comfortable
About CBRC China Banking Regulatory Commission The main functions of the CBRC 银监会主要职能
Formulate supervisory rules and regulations governing the banking institutions;依照法律、行政法规制定并发布对银行业金融机构及其业务活动监督管理的规章、规则; Authorize the establishment, changes, termination and business scope of the banking institutions;依照法律、行政法规规定的条件和程序,审查批准银行业金融机构的设立、变更、终止以及业务范围
Conduct on-site examination and off-site surveillance of the banking institutions, and take enforcement actions against rule-breaking behaviors;对银行业金融机构的业务活动及其风险状况进行现场检查,非现场监管,处置违规行为 Conduct fit-and-proper tests on the senior managerial personnel of the banking institutions;对银行业金融机构的董事和高级管理人员实行任职资格管理
Compile and publish statistics and reports of the overall banking industry in accordance with relevant regulations: 负责统一编制全国银行业金融机构的统计数据、报表,并按照国家有关规定予以公布
Provide proposals on the resolution of problem deposit-taking institutions in consultation with relevant regulatory authorities;与相关监管机构共同协商处理有问题的存款机构
Responsible for the administration of the supervisory boards of the major State-owned banking institutions;and Other functions delegated by the State Council;负责国有重点银行业金融机构监事会的日常管理工作;承办国务院交办的其他事项 The supervisory focuses of the CBRC Conduct consolidated supervision to assess, monitor and mitigate the overall risks of each banking institution as a legal entity;必须坚持法人监管,重视对每个金融机构总体风险的把握、防范和化解;
Stay focused on risk-based supervision and improvement of supervisory process and methods;必须坚持以风险为主的监管内容,努力提高金融监管的水平,改进监管的方法和手段;Urge banks to put in place and maintain a system of internal controls: 必须注意促进金融机构风险内控机制形成和内控效果的不断提高: enhance supervisory transparency in line with international standards and practices�� 必须按照国际准则和要求,逐步提高监管的透明度
The regulatory objectives of the CBRC银监会监管的工作目的
a.Protect the interests of depositors and consumers through prudential and effective supervision;通过审慎有效的监管,保护广大存款人和消费者的利益
b.Maintain market confidence through prudential and effective supervision;通过审慎有效的监管,增进市场信心
c.Enhance public knowledge of modern finance though customer education and information disclosure;通过宣传教育工作和相关信息披露,增进公众对现代金融的了解 d.Combat financial crimes.努力减少金融犯罪
The supervisory and regulatory criteria of the CBRC 银监会的监管标准
b.Promote the financial stability and facilitate financial innovation at the same time;良好监管要促进金融稳定和金融创新共同发展
b.Enhance the international competitiveness of the Chinese banking sector;要努力提升我国金融业在国际金融服务中的竞争力;c.Set appropriate supervisory and regulatory boundaries and refrain from unnecessary controls;对各类监管设限要科学、合理,有所为,有所不为,减少一切不必要的限制 d.Encourage fair and orderly competition;鼓励公平竞争、反对无序竞争
e.Clearly define the accountability of both the supervisor and the supervised institutions;
对监管者和被监管者都要实施严格、明确的问责制
f.Employ supervisory resources in an efficient and cost-effective manner.要高效节约地使用 一切监管资源
金融词汇:
审慎经营规则 prudential management rule 风险集中
risk concentration 资产流动性
liquidity of asset 损失准备金
loss reserve 存款人
depositor 银行业金融机构 banking institution 现场检查
on-site examination 非现场监管
off-site surveillance 监事会
supervisory boards 风险监管
risk-based supervision 内部控制
a system of internal controls 审慎有效的监管
prudential and effective supervision 信息披露
information disclosure 金融犯罪
financial crisis 民间借贷
private lending 影子银行
shadow banking 敏感性分析
sensitivity analysis 压力测试
stress testing 情景分析
scenario analysis
关键风险指标
key risk indicators,KRIs 间接融资
indirect financing 巴塞尔委员会
the Basel Committee 巴塞尔协议III
Basel III
资本充足率
capital adequacy ratio 杠杆率
leverage ration 流动性
liquidity 贷款损失准备
loan loss provisions 系统性风险
system risk 逆周期宏观审慎监管要求
countercyclical macroprudential regulatory requirements 政策性银行
policy bank 国有商业银行
State-owned commercial bank 股份制银行
joint stock commercial bank 中国邮政储蓄银行
the Postal Savings Bank of China 信托公司
tthe trust companies, 企业集团财务公司
enterprise group finance companies 金融租赁公司
financial leasing companies 国际活跃银行
internationally active banks 系统性重要银行
systemically important banks 基础货币
monetary base 存款准备金率
deposit reserve ratio 再贴现再贷款
rediscount rate 公开市场操作
open market operations 优惠利率
preferential interest rate 窗口指导
window guidance 道义劝告
moral suasion 违规概率
PD,probability of default 违规损失率
LGD,loss given default 违约风险暴露
EAD,exposure at default 期限
maturity
《第三版巴塞尔协议》确立了微观审慎和宏观审慎相结合的金融监管新模式,大幅度提高了商业银行资本监管要求,建立全球一致的流动性监管量化标准,将对商业银行经营模式、银行体系稳健性乃至宏观经济运行产生深远影响。
Basel III has established a new financial regulatory model with combination of micro-prudence and macro-prudence., which greatly increased the capital regulatory requirements for commercial banks, and to establish globally consistent quantitative standards for liquidity supervision will have profound impacts on the business model of commercial banks, stability of the banking system and even the macroeconomic operation.推动中国银行业实施国际新监管标准,增强银行体系稳健性和国内银行的国际竞争力
push forward China's banking sector's implementation of the new international regulatory standards, enhance the stability of the banking system and the international competitiveness of domestic banks
借鉴国际金融监管改革成果,根据国内银行业改革发展和监管实际,构建面向未来、符合国情、与国际标准接轨的银行业监管框架,推动银行业贯彻落实“十二五”规划纲要,进一步深化改革,转变发展方式,提高发展质量,增强银行业稳健性和竞争力,支持国民经济稳健平衡可持续增长。
We shall draw on international achievements in the reform of financial supervision, establish a regulatory framework for the banking sector which faces the future, complies with national conditions and meets international standards according to the reform and development as well as regulatory actualities of China's banking sector, push forward the banking sector's implementation f the outlines of the “Twelfth Five-year Plan”, further deepen the reform, transform the development pattern, improve the quality of development, and enhance the stability and competitiveness of the banking sector to support the stable, balanced and sustainable growth of the national economy.宏观审慎监管与微观审慎监管有机结合。统筹考虑我国经济周期及金融市场发展变化趋势,科学设计资本充足率、杠杆率、流动性、贷款损失准备等监管标准并合理确定监管要求,体现逆周期宏观审慎监管要求,充分反映银行业金融机构面临的单体风险和系统性风险
Dynamic combination of macroprudential regulation and microprudential regulation.We shall take into overall consideration China's economic cycles and trends in developments and changes in the financial market, scientifically set capital adequacy ratio, leverage ratio, liquidity, loan loss provisions and other regulatory standards, and reasonably determine regulatory requirements, which reflect countercyclical macroprudential regulatory requirements and fully reflect single risks and system risks the banking financial institutions are facing.支持经济持续增长和维护银行体系稳健统筹兼顾。银行体系是我国融资体系的主渠道,过渡期内监管部门将密切监控新监管标准对银行业金融机构的微观影响和对实体经济运行的宏观效应,全面评估成本与收益,并加强与相关部门的政策协调,避免新监管标准实施对信贷供给及经济发展可能造成的负面影响
Taking into consideration both supporting the continuous economic growth and maintaining the stability of the banking system.The banking system is the main channel of China's financing system.During the transition period, regulatory authorities shall closely monitor the new regulatory standards' micro-impacts on banking financial institutions and their macro-effects on the real economy, comprehensively assess costs and earnings, and strengthen coordination with the relevant departments in respect of policies to avoid negative impacts that may be caused by the implementation of the new regulatory standards on the supply of credit and economic development.Inflation In economics, inflation is a rise in the general level of prices of goods and services in an economy over a period of time.When the general price level rises, each unit of currency buys fewer goods and services.Consequently, inflation also reflects an erosion in the purchasing power of money – a loss of real value in the internal medium of exchange and unit of account in the economy.A chief measure of price inflation is the inflation rate, the annualized percentage change in a general price index(normally the Consumer Price Index)over time.Inflation has positive effect and negative effect.The positive effects include ensuring central banks can adjust nominal interest rates(intended to mitigate recessions), and encouraging investment in non-monetary capital projects.The negative effects of inflation can be concluded as follow.First of all, inflation lead to the loss of saving accounts and investment because of reduced values in currency.Thus, it transfer wealth from the creditor to the debtor.Secondly, inflation makes daily living harder.As money loses value, so do wages, pensions and investment.The prices goes up, we can buy fewer goods than before.Last but not least, inflation increase the uncertainty about the future thus discourage the investment.Fighting inflation has been the main traditional goal of monetary policy.Interest Rates Keeping interest rates stable is a important goal of monetary policy.A balance must be struck between the desire of investors to see a large return on investment with higher interest rates with borrowers who want low interest rates on loans.Striking a balance between these two interests is important for monetary policy because both promote economic growth, savings and investment.Balance of Payments If a specific currency gains in value relative to its neighbors, goods from that country, when sold abroad, will be more expensive.As the value of the currency falls, the competitiveness of goods from that economy become more competitive abroad.Again, a balance must be maintained between these two poles: a strong currency that speaks to low inflation at home, and a weak currency that might boost international sales.As a specific currency falls in value, the debts incurred in that currency also fall in value.Therefore, a currency that is too strong might make international debts that much higher.Monetary policy differs from fiscal policy, which refers to taxation, government spending, and associated borrowing.