第一篇：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？
第二篇：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.
第三篇：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？
第四篇：历年面试真题
====================以下为2009年真题=======================
2009年6月14日上午萧山村官面试真题
1.说说你如何面对困难和挫折？
2.如果你是村干部，平时工作做得相当好，但是期末评比被评得很差，同事借此疏远你，人如何处理？
3.有人说大学生村干部能够为农村注入活力...你怎么看？
答案交流：
2009年6月7日上午临安村官面试真题
本次面试，要求在10分钟内回答三道题目：
1，职位目标是什么，如何实现
2，有同事对你工作不满，如何处理
3，农村支教，有人赞赏，有人不认为，你如何看
答案交流：
====================以下为2008年真题=======================
2008年杭州村官面试题(待考证)
1、谈谈你对大学生村官的看法
2、如果你成功进入村官队伍，谈谈你将怎样开展你的工作以及你对你工作的理解
3、如果你和你的领导在开会的意见不合，你会怎么处理
4、如果当地的领导只注重发展经济而忽略了环境的保护，你会怎么做
参考答案:
2008年7月19日建德村官面试题
1.国家决定把部分大学生放到基层工作，你是怎么认识的？假如你被录用了你准备怎么开展工作？
2.村里要放映电影，安排你去管理，你将怎么做？
3.你提的一个很好的意见被主任否决了，你怎么办？
答案交流:
2008年7月26日上午浙江杭州/富阳村官面试题
本次面试，要求在10分钟内回答三道题目：
1.你所学专业与此次报考的岗位要求是否一致？谈谈你对报考岗位的认识。
2.假如你被聘用后，严格按规章制度办事，但在一次工作中，有群众却认为你办事太死板，不懂变通，并大声吵闹，声称要向上级反映情况，把你撤换下来。此时你该怎么办？
3.广东省举办万名大学生进农村助推“信息直通车”，开展农情调查，采集上报农情信息等
活动。该活动一出台，部分村民表示欢迎，认为可以直接把民情反映给上级部门，是在办好事；也有人认为这是一种倒退，会造成高校教育资源的浪费，对此，你怎么看？答案交流：
答案交流：
2008年永康村官面试题
1、对于村官，你做好了那些准备
2、到农村工作后，怎么处理好与老干部之间、群众之间的关系，融入到他们中去？
3、有人认为“大学生去农村是人才的浪费”怎么理解
答案交流：
2008年9月6日绍兴县村官面试题
1.汶川_地_震_你有什么想法
2.关于可持续方面的问题
3.新农村建设的目的和意义
答案交流：
2008年9月7日浙江平湖市村官面试题
1、近期在市内将举行一场关于出租车调价的听证会，到时候将会有出租车司机、运营商及各有关部门的人员参加，而你作为消费者代表要在会上发言，你会做些什么准备呢？
2、关于“事业、家庭、爱情”这三者之间的关系，你有什么看法？
3、给出一幅漫画，画中的意思就是中小学的学费比较低，而幼儿园和高校的收费比较高，问针对这一现象，你有什么看法?
答案交流：
2008年9月7日浙江嘉兴村官面试题
各题大意
1.出租车提价要举行听证会。作为消费者代表，你将如何做好参会前准备？
2.对事业、婚姻、家庭谈谈你的看法
3.漫画题：幼儿园收费高，中小学收费低，高校收费高。谈谈你的看法
答案交流:
2008年9月18日诸暨村官面试题目
第一题：如何看待村官从业的地方艰苦？如何开展大学生村官工作？
第二题：如何看待农村现状？该用怎么样的措施解决？
第三题：如何看待乡村村容建设？怎么样的态度对待？
答案交流:
2008年9月20日浙江绍兴村官面试题
1、新任村官怎样做好工作，赢得村民信任？
2、怎样解决农村剩余劳动力就业问题？
3、新农村建设，有人说资金重要，有人说人才重要，有人说观念重要。你认为是什么最重要?为什么？
答案交流：
2008年9月20日台州三门村官面试题
1.知识与执行能力，往往是具有执行能力的人才能获得成功。谈谈你对这句话的理解？
2.你工作能力比较强 同事都来找你帮忙 有时候把他自己的工作也给你干，认为你肯定有时间 你怎么办？
3.很多村干部对信访的村民提出的要求 不管违反不违反原则 都进行处理 你怎么看?答案交流:
2008年10月11日浙江丽水村官考试面试题
给出一段资料，大意是“农家乐”在某一村庄经营得很出色，但是影响了周围居民的日常生活，村民和经营者闹事，村长还帮着经营户„„
三个问题：
1、这时，你正好在场，你怎么做？
2、这件事平息之后，你如何开展农村工作？
3、结合这件事，请你谈谈发展农村经济和和揩社会环境的关系：
参考答案:
2008年衢州村官面试题
1农村(社区)有什么吸引你的?
2,提了一个方案,领导不认可,怎么处理?
3,村里为了丰富大家 的生活开了生活馆,但有人打麻将影响别人,怎么处理?
答案交流:
====================以下为2007年真题=======================
2007年9月16日诸暨村官面试题
一共三个问题。
1.在传统观念里，农村子弟离开农村叫“跳龙门”,但是现在的大学生反而到农村去工作，你有什么看法？
2。你是居委会主任助理，一居民拿了土特产来求你向主任说点事，你会如何处理。
3。一副箭靶图，箭插在红心处，让你讲农村工作如何开展。
参考答案：
2007年9月嘉兴地区村官面试题
第一题关于协调老同事和新同事的矛盾
第二题是关于组织选拔工作的开展
第三题关于中国证券红火,全民炒股的理解
答案交流:
2007年10月13日瓯海村官面试真题
1：官应该注重公共服务还是经济发展
2：如果你成为村干部，刚开始村民请你去参加婚庆`酒宴什么的，后来领导不听从你的建议，村民觉得你个小娃子没什么能力，你该怎么办
3：5个村民以便宜的价格承包山林，承包期满后其他村民不满，要求重新承包，村长要你去调节，你该怎么办
答案交流:
2007年10月20日台州三门村官面试题
面试题目一共3个，被分成2半，前2个问题占70分在第一面试场，后一个问题30分，在第二面试场。
题目大致是这样的：
第一、现在大学生就业压力很大，很多大学生从事超市营业员，餐厅服务员等，问你对大学生就业观有什么看法？如果这次面试失败，你将怎样对待？
第二、小李是大学生村官，担任村主任助理工作，发现主任有时挥霍村里的钱，拿村里的钱招待很多人，其中有一些不是正当的招待费，如果你做为小李怎么办？
第三、将的是环境整治工作，第一你对环境整治工作有什么看法？如果你被分配到村路担任村环境整治工作，你将持什么态度？
参考答案:
2007年10月21日台州村官面试题
1、目前大学生就业压力非常大，很多大学生放弃了本专业而投向另外的专业，也有一些去当餐厅的服务生、专柜的售货员从基层做起，请问你的就业观念是怎样的，如果这次没有被
录取，你打算怎么做？
2、村里的主任招待吃喝的现象非常严重，以至于花了过多的经费，假如你是小李，刚参加工作不久，你看到这种状况会怎么做？
3、台州有很多大企业虽然效益非常好但是污染环境的现象非常严重，如果你到了社区工作，对环境问题的态度是怎样的？大致就是问你会如何协调经济发展与环境保护的问题。答案交流:
2007年杭州地区村官面试题
1.说说你为什么选择做村官.你有哪些优势
2.如果领导的想法和你不一致,你该怎么做
3.谈谈你对领头雁的看法
答案交流:
2007年10月28日萧山某镇预备村官面试真题
1.你为什么要参加村干部选拔？你到村就职后应该怎么做？
2.你到村里后受到村干部排挤怎么办？
3.村里有一条道路需扩建，有村民担心赔偿问题，有抵触情绪，其中一位是你亲戚，你作为村干部要怎么做？
答案交流:
2007年衢州村官面试题
1、你成为村官之后，你该如何去做，才能取得村民的信任？
2、老师拿了一张白纸，白纸中间有一个黑点，问学生，你们看见了什么？学生回答，我们看见了一个黑点，老师又拿出来一张黑纸，黑纸中间有一个白点，问学生，你们看见了什么，学生回答，我们看见了一个白点，老师笑笑说，你们错了，还有一张白纸和黑纸，你们都没看见么？上述问题你有什么看法？
3、你是一名村官，你看见今年甘蔗价格好，就引进甘蔗让村民去种植，结果后来甘蔗价格下跌，村民手中的甘蔗滞销，许多村民有情绪，找你讨说法，你该如何去做？
第五篇：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？
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