Question 1: What is the source of capital of the World Bank?

A: The entire source of currency created by the World Bank for lending and trading

B: Is the entire source of currency created by the World Bank to invest and trade securities.

C: The entire monetary source created by the World Bank for lending and investment

D: Is the entire source of currency created by the World Bank to lend, invest and perform
banking services.

Question 2 : What is the equity of a commercial bank?

A: It is the capital that the commercial bank owner must have to start operating
B: Is the capital contributed by the commercial bank owners
C: Capital source owned by commercial banks
D: The capital is provided by the state
Question 3 : What is the amount from the funds considered as equity?
A: Reserve to supplement charter capital, basic depreciation fund
B: Reserve fund to supplement charter capital, financial reserve fund, other funds
C: Charter capital reserve fund, bonus fund.
D: Financial reserve fund , large a- correction depreciation fund, bonus fund.
Question 4 : What are the sources of other liabilities considered equity?
A: Investment capital for procurement is provided by the State, if any; Funding from sources.
B: Investment capital for procurement by the State, if any. Order differences due to revaluation of assets,
exchange rate differences; types of shares contributed by shareholders.
C: Investment capital for procurement by the State, if any. Order differences due to asset
revaluation, exchange rate differences, and retained earnings have not yet been allocated to the
funds.
D: Differences due to revaluation of assets and retained profits not yet allocated to the funds
Question 5: What are the types of capital mobilized by commercial banks?
A: Deposits, loans from other credit institutions and central banks; capital borrowed in the capital
market, other capital sources.
B: Deposits, loans from commercial banks; borrowing from the state budget; capital provided by the
budget.
C: Deposits, loans from other credit institutions; State budget allocated annually.
D: Bank deposits and loans; budget loans, other capital sources.
Question 6 : Which departments are mobilized from deposits?
A: Demand deposits (demand deposits), time deposits, money borrowed from the Central Bank
B: Payment deposit, time deposit, savings deposit, other credit institution loan.
C: Payment deposit, time deposit, savings deposit, other deposit.
D: Payment deposit, savings deposit, other deposit.
Question 7 : Why must manage capital
A: Make the most of idle capital in the economy. Ensuring solvency and solvency of commercial banks to
have capital to pay profits and taxes to the state.
B: Make the most of idle capital in the economy; Ensuring the capital source of commercial banks
has a sustainable growth, timely and fully satisfying the appropriate time and interest
rate; Ensuring the solvency and solvency of commercial banks and improving business
efficiency.
C: Ensuring the solvency and solvency of commercial banks and improving business efficiency. Ensuring
the capital of commercial banks to grow sustainably, promptly and fully meet the appropriate interest rate
period.
D: Make the most of idle capital in the economy. Ensuring the solvency and solvency of commercial
banks and improving business efficiency.
Question 8: What does equity management include?
A: Determine equity in relation to total assets; Determining equity in relation to risky
assets; Determine equity in relation to other factors.
B: Determine equity in relation to total assets; determining equity with loan capital;
C: Determine equity in relation to total assets; Determine equity in relation to other factors.
D: Determination of equity in relation to risky assets. Determine equity in relation to other
factors; Determination of equity with the relationship of guarantee and financial leasing.
Question 9 : Which of the following statements about mobilized capital management is best?
A: Manage size, structure, and interest rate
B: Manage size, structure, interest payment, term management, liquidity analysis of capital sources.
C: Manage size, structure, interest rate, and term.
D: Managing size, structure, interest rate, term management, analysis of capital
liquidity; determine funding sources for reserves.
Question 10 : Which of the following credit concepts is the most accurate?
A: Temporarily transfer an amount of value
B: Temporarily transfer an amount of value, term of transfer
C: Temporarily transfer an amount of value, calculate refund.
D: Temporary assignment of a value amount, term of assignment, refund calculation.
Question 11 : According to current regulations in Vietnam, what is the object of a bank credit loan?
A: All of the borrowing needs of the economy - society
B: Is the demand for short, medium and long-term loans of the economy - society
C: Is the legal need for a loan under the provisions of the law
D: Is the need for loans from businesses, individuals or social organizations.
Question 12 : What needs cannot credit institutions provide loans?
A: The need to purchase assets and the cost of forming assets that are prohibited by law from buying,
selling, transferring, or converting.
B: The need to pay expenses, perform transactions that are prohibited by law.
C: A and the business subjects do not consider large profits.
D: Financial need for a transaction prohibited by law; the need to pay expenses, perform
transactions prohibited by law and A
Question 13 : What are the principles of bank credit?
A: The loan is used for the agreed purpose and has collateral for the loan.
B: The loan is used for the agreed purpose; The loan is repaid on time both principal and interest
C: The loan is used for the right purpose as agreed, has assets as security, pays the debt on time.
D: The loan is used for the right purpose as agreed, has property as security, paid both principal and
interest on time.
Question 14 : What are the loan terms?
A: The legal status of the borrowers; have pledged or mortgaged assets of great value.
B: The customer has an effective and feasible production - business plan.
C: Borrowers will implement loan guarantees according to regulations; the borrower's legal
status; use legal loans
D: Customers must have collateral as prescribed; has great equity.
Question 15 : What is a guaranteed loan?
A: Is the loan of credit institutions that borrowers must commit to secure with collateral, pledge or have
great reputation.
B: A and assets formed from loan capital; pledged property
C: Is the loan of a credit institution in which the borrower has to commit to be secured by collateral,
pledged or guaranteed by a third party with assets.
D: Assets formed from the loan.
Question 16 : What are the main pledged and mortgaged assets?
A: Stock pledge, commercial paper mortgage, real estate mortgage
B: Pledge by commercial paper, mortgage by goods, mortgage of real estate.
C: Pledged by securities, pledged by a contract contract.
D: A and pledged by contract contract.
Question 17 : What are the criteria for lending without collateral?
A: Based on the financial capacity of the customer
B: Based on the reputation of the customer
C: The ability to repay principal and interest on time
D: Use loans effectively
Question 18 : Which of the following statements is the most accurate about reputable customers?
A: Repay the debt on time
B: Effective business administration
C: Have credit with credit institutions in using loans.
D: Having healthy financial capacity, honesty in business, A and B
Question 19: Who is the charter capital of a commercial bank?
A. Regulated by the state
B. Regulated by a central bank
C. Both A and B
D. Regulated by commercial banks
Question 20 : Which of the following loan interest pricing bases for the loan are the most correct?
A: Cost of capital mobilization, provision for loss of risks
B: Deposit cost, loan amount, borrower analysis
C: Cost of capital mobilization, loan amount, loan term
D: Provision for losses, loan terms, competitive factors, interest rates in the market.
Question 21 : What is the loan process?
A: The loan process is the loan settlement procedure
B: The loan process is the method of settling the loan
C: Lending process is the sequence of steps a bank makes to a customer
D: A and B
Question 22 : What problems does the lending process reflect?
A: Reflect the principle and method of lending; borrowers
B: Reflect the principle, method of loan, order of handling tasks.
C: Lending method, order of solving tasks
D: B; administrative procedures and the authority to deal with lending related issues .
Question 23 : Which of the following statements about the credit extension process is the most
complete?
A: Establishing credit profile, deciding to grant credit, recover loan.
B: Establishment of credit profile, analysis of credit, decision on granting credit, appraisal of loan project.
C: Establishment of credit profile, analysis of credit, decision on granting credit, supervision and
management of credit .
D: Establishment of credit profile, decision on granting credit, supervising and managing credit.
Question 24 : What kind of loan documents usually include?
A: The file is made by the customer and provided to the bank
B: The file is made by the customer and the bank together
C: Documents made and provided by the customer to the bank, and made by the bank
D: C and file prepared by the customer and the bank together
Question 25: What kind of documents are made and provided to the bank by customers?
A: Legal documents, loan documents.
B: Legal documents, project documents, technical documents.
C: Legal documents, economic documents, project documents (for medium and long-term loans).
D: Economic records, legal documents.
Question 26: Document made by the lending bank includes the main documents?
A: Appraisal and reevaluation reports.
B: Appraisal reports, types of notices such as: loan notice, loan denial, debt due notice, loan termination
notice, loan termination notice.
C: Like B; inspection report on loan use; appraisal and re-evaluation reports
D: C and financial analysis, loan tracking and debt collection
Question 27: What are the main types of documents made by the bank and the customer?
A: Credit agreement, loan application.
B: Loan book, loan application, debt acknowledgment.
C: Credit contract or loan book, loan guarantee contract (if any).
D: Credit Contract and Loan Book.
Question 28: To analyze and evaluate bank borrowers based on which documents?
A: Documents explaining about borrowing such as business plan, business plan, ...
B: Loan notes, accounting documents for financial evaluation.
C: Documents relating to credit guarantees; explanatory documents about loans, documents about
borrowing such as plans, production and business plans ...
D: C, face-to-face interview, through the borrower's archives, ...
Question 29: What major contents do the bank usually analyze when lending to customers?
A: The customer's legal capacity, the customer's place of business
B: The legal capacity and reputation of the customer, the place of delivery of the customer
C: Legal capacity, financial situation of customers, capacity of business and production
management of unit leaders, reputation of customers.
D: Customer's legal capacity, reputation, financial situation.
Question 30 : What is a credit line loan?
A: A method in which a bank sets a limit for a customer to borrow, without the customer's opinion
B: is a method by which a borrower requests the bank to grant a line.
C: A method of lending where a bank and a customer agree that a maximum outstanding balance
is maintained for a certain period of time.
D: Consists of A and B
Question 31 : What is a one-time loan?
A: For each loan, customers have to complete loan procedures but do not have to sign credit contracts.
B: For each loan, the customer has to do loan procedures and sign a loan contract each time.
C: For each loan, the customer must sign a loan contract each time, from the second time onwards, he /
she does not have to apply for a loan.
D: It's A and C
Question 32: What is short-term lending?
A: A 12-month loan, in special cases it can last up to 15 months.
B: A loan of less than 12 months to provide capital to customers for production and business and for daily
life.
C: Both A and B
D: Is a loan with a term of up to 12 months to provide capital to customers for production and
business and for living.
Question 33 : Which of the following working capital supplementary loan procedures has the most
accurate content?
A: Receiving records, collecting information about customers.
B: Based on the loan application documents provided by the customer, the credit officer (appraisal officer)
analyzes and evaluates the customer.
C: B; approval to sign the contract; receiving records; collect information about customers
D: C and contract performance.
Question 34 : What are the types of loans on assets?
A: Discount on valuable documents, discount on collateral
B: Lending on all export documents; discounted vouchers
C: A and factoring.
D: B and factoring.
Question 35: Please choose the best answer below about discounted vouchers?
A: It is a short-term credit operation of a commercial bank.
B: A transaction of transferring the ownership of valuable documents.
C: A, B, take an amount equal to face value - (minus) the discount interest and commission.
D: A and B
Question 36 : What are the types of short-term valuable papers that are eligible for the discount?
A: Treasury bill, promissory note, commercial paper.
B: Commercial paper, deposit certificate, savings book, export documents, bonds with remaining term of
up to 12 months.
C: Treasury bills, promissory notes, B, other valuable papers
D: B, treasury bill, promissory note.
Question 37 : What is factoring?
A: A service in which an organization pays the exporter a portion of the money for the goods sold to the
importer.
B: It's A and collect debt at the exporter.
C: A service in which an organization lends to the exporter a portion of the goods sold to the importer.
D: A service in which an organization pays the exporter all the money for the goods sold to the importer
and then collects the exporter debt.
Question 38 : What functions does the factoring service have?
A: Debt management
B: Granting a credit in the form of an advance payment of 80% - 90% of the invoice value, the rest is
received when the factoring service collects the debt.
C: A and B
D: B; hedging; Debt Management.
Question 39: What is a loan according to the overdraft limit?
A: A type of credit that the bank allows customers to use in excess of the amount they have
deposited with the bank on a current account for a certain amount and duration.
B: A type of credit that the bank allows customers to use in excess of the amount they have deposited at
the bank on the checking account by a certain amount.
C: A type of credit that the customer allows the customer to use in excess of the amount they have
deposited at the bank on the deposit account.
D: Including B and C
Question 40: How does the current account reflect the balance?
A: No balance
B: Only residual
C: Only outstanding balance
D: Maybe residual, maybe outstanding
Question 41: What are the forms of consumer lending?
A. Pawn Loans.
B. Loans guaranteed by employees' income.
C. Lending secured with properties formed from loan capital, A and B
D. A and B.
Question 42 : What are the characteristics of medium and long-term loans?
A. Associated with fixed capital turnover, financing due to lack of fixed capital, meeting requirements of
purchasing fixed assets; refund in one cycle.
B. Not associated with fixed capital turnover, financing due to lack of fixed capital, meeting requirements
for procurement of fixed assets.
C. Associated with fixed capital turnover, financing due to lack of fixed capital, meeting the requirement of
purchasing fixed assets, repaying in multiple cycles, and lending also working capital needs.
D. C; associated with investment projects, potentially many risks and often high interest rates .
Question 43: What are the types of medium and long-term loans?
A. Lending according to investment projects.
B. Loan syndication, loan according to investment project.
C. Loan syndication, loan according to investment projects, loan consumption.
D. Lending according to investment projects, consumer loans.
Question 44 : What is the main content of an investment project?
A. The project's objectives, results of the project.
B. The project's objectives, project outcomes, project activities, resources; project efficiency
C. Project objectives, project outcomes, resources.
D. Project objectives, project activities, outcomes.
Question 45: What basic requirements must a project meet?
A. Scientific, legal, honesty.
B. Legality, practicality, oversight.
C. Legality, practicality, consistency, honesty, supervision.
D. Scientific, legal, practical, uniform, predictive .
Question 46 : Which of the following reflects the full cycle stages of a project?
A. Prepare investment, make investment.
B. Prepare investment, make investment, operate investment results.
C. Prepare investment, make investment, operate investment results, evaluate investment projects.
D. Prepare investment, make investment, appraise investment.
Question 47 : Please choose the best answer below about the appraisal content of a project?
A. Evaluate the needs and objectives of the project, analyze the project risks.
B. Appraise the needs and objectives of the project, appraise the market aspect of the project, analyze
project risks.
C. Evaluate the needs and objectives of the project, appraise the technical aspect, analyze the project
risk.
D. Including B ; appraisal of the technical aspect, financial appraisal, appraisal of the economic,
social, environmental aspects.
Question 48 : What are the contents of the financial research and appraisal?
A. Determine the investment capital for the project, determine the project's technique.
B. Determining the level of investment capital for the project, determining the capital source; determine
the tax payable.
C. Determine the amount of capital invested in the project, determine the capital source and the
guarantee of capital to finance the project, evaluate costs, revenue, profit.
D. Determine the amount of capital invested in the project, determine the capital source, evaluate the
costs, revenue, profit, determine the profit to be paid and leave.
Question 49 : What are the steps in a typical project lending process?
A. Receiving loan application, evaluating and deciding loan, signing credit contract.
B. To receive loan application dossiers, evaluate and decide on loan, sign credit contract, disbursement.
C. Receive loan application, evaluate and decide on a loan, sign credit contract, disburse, and monitor the
use of capital.
D. Receiving loan application, evaluating and deciding loan, signing credit contract, disbursing,
monitoring the process of using capital, liquidating contract.
Question 50 : What are the common cases used in a syndicated loan?
A. The project investor's need for loans or guarantees exceeds the maximum allowed limit for a customer
of the credit institution
B. Due to the need to disperse risks in the business of credit institutions
C. Due to the need to disperse risks in the business of credit institutions, the ability of a credit institution's
capital sources to not meet the project's needs.
D. A and C .
Question 51 : What are the stages in the process of loan syndication (guarantee)?
A. Receiving documents, agreeing on the loan syndication plan.
B. Receiving documents, signing sponsorship and credit contracts
C. Receiving documents, signing sponsorship and credit contracts and executing co-financing credit
contracts.
D. Receiving documents, signing sponsorship and credit contracts and executing co-financing
credit contracts, agreeing on loan plans, liquidating co-financing credit contracts.
Question 52 : What are the characteristics of consumer loans?
A. The demand for thinking is plentiful, diversified, and used for flexible capital.
B. The demand for thinking is plentiful, diversified, with flexible capital use purpose, and has higher risks
than other types of thinking.
C. Demand for rich and diversified thinking, flexible use of capital, higher risks than other types of
credit, interest rates are usually higher than other types of credit, and short, medium and long-
term loan terms.
D. The demand for thinking is plentiful, diversified, the purpose of using capital is flexible, the interest rate
is often higher than that of other thinking.
Question 53 : According to the law of Vietnam's credit institutions, how is financial leasing defined?
A. Financial leasing is mid- and long-term TD activity on the basis of a property lease agreement between
the lessor and the lessee.
B. Financial leasing is medium and long-term credit activity on the basis of a property lease contract
between a lessor, a credit institution, and a lessee. At the end of the lease term, the customer will buy
back the property.
C. Financial leasing is a medium and long-term credit activity on the basis of a property lease contract
between a lessor, a credit institution, and a lessee. At the end of the lease term, the customer
repurchases the property, or continues to sublease that asset under the terms agreed in the lease.
D. Consists of B; or continue to sublease that asset under the terms agreed in the lease. During
the lease term, the parties are not allowed to unilaterally cancel the contract.
Question 54 : What are the main contents of financial leasing?
A. A lease includes the right to buy back the property at a nominal price at the end of the lease term; The
lessor is not allowed to transfer ownership to the lessee at the end of the lease.
B. The lessor transfers title to the lessee at the end of the lease term if the total value of the present rents
is equal to or greater than the value of the property.
C. Consisting of B; Lease is aimed at production and business activities, the term of the lease
must be equivalent to the useful life of the property. The lease includes the right to buy back the
property at a nominal price at the end of the lease term.
D. The lease includes the right to buy back the property at a nominal price at the end of the lease
term. The leasing is aimed at production and business activities.
Question 55 : In Vietnam, according to the current regulations, which of the following is satisfied under
the conditions of a financial leasing transaction?
A. At the end of the lease term under the contract, the lessee is entitled to transfer ownership of
the leased property or to continue the lease as agreed between the parties .
B. At the end of the lease term, the lessee is entitled to transfer ownership of the leased property or to
continue the lease as agreed between the parties, and the lease term must be at least 60% of the time
necessary for rental property depreciation.
C. At the end of the lease term, the lessee is entitled to transfer ownership of the leased property or to
continue the lease by agreement between the parties, and the lease term must be at least 60% of the
time necessary for rental property depreciation. At the end of the lease term the lessee has the right to
choose to buy the leased asset at a nominal price lower than the actual value of the leased asset at the
time of redemption.
D. At the end of the lease term, the lessee is entitled to transfer ownership of the leased property or to
continue the lease as agreed between the parties, and the lease term must be at least 60% of the time
necessary for rental property depreciation. At the end of the lease term the lessee has the right to choose
to buy the leased asset at a nominal price lower than the actual value of the leased asset at the time of
redemption. The total rental amount of an asset specified in the lease must be equivalent to the market
price of such assets at the time of signing the contract.
Question 56 : What is the benefit of financial leasing to the lessee?
A. Increased production resources in the face of lack of capital; or ineligible for loans.
B. Increased production resources in terms of lack of capital, more capital adequately satisfied than any
other form of financing.
C. Including A; To be met with higher capital than any other financing method, a flexible financing
method has many advantages.
D. Increased production resources in the context of lack of capital, quick funding.
Question 57 : What is the benefit of financial leasing to the lessor?
A. There is a low level of risk, ensuring the correct use of capital, and effectively gaining a lot of profits.
B. Having a low level of risk, ensuring the correct use of capital, effectively creating the link between the
supplier and the lessor.
C. There is a low level of risk, ensuring to use capital for the right purpose and effectively, and obtain the
capital difference when the contract ends in case the lessee returns the equipment.
D. There is a low level of risk, ensuring the right use of capital, effectively, obtaining capital
difference when the contract ends in case the lessee returns the equipment, diversifies the
business, disperses the risk .
Question 58: Benefits of financial leasing for the economy?
A. Increase capital for investment.
B. Increasing capital for investment, helping domestic enterprises to acquire high technology and
scientific and technical advances.
C. Increasing capital for investment, helping domestic enterprises to acquire high technology and
scientific and technical advances, and support and salvage for small and medium enterprises to
develop.
D. Increasing capital for investment, support and salvage for small and medium enterprises to develop.
Question 59 : What is the total finance lease fee included for?
A. Property procurement costs, shipping costs.
B. Property procurement, installation and commissioning.
C. Asset acquisition expenses, other expenses.
D. Property procurement, transportation, installation and commissioning, other costs .
Question 60 : On which basis is the determination of the lease term?
A. The uptime of the property, the obsolete speed of the property, the price of the property.
B. The uptime of the property, the obsolete speed of the property, the intensity of its use, solvency.
C. The life of the asset, the rate of its obsolescence, the risks in the market, the intensity of its use.
D. The life of the asset, the obsolete speed of the asset, the risks in the market, the intensity of its
use, the solvency, the nature of each asset class .
Question 61 : What are the basic contents of non-cash payment?
A. Characteristics; open and use an account, open multiple accounts.
B. Open and use accounts, payment orders and documents, increase payment fees.
C. Opening and using accounts, payment orders and documents, rights and obligations of the
payment service supplier and the service user .
D. Opening and using accounts, payment orders and documents, features
Question 62 : What are the rights of a payment service supplier?
A. Stipulating fees, overdraft levels, and requesting customers to provide information related to the use of
payment services.
B. Stipulating fees, overdraft levels, and requesting customers to provide information related to the use of
payment services. Not to refuse to provide payment services even when the customer does not meet the
conditions for using the service or violates the payment regulations.
C. Prescribing overdraft fees, rates, asking customers to provide information related to the use of
payment services, not to refuse payment services requested by customers.
D. Including A; refusing to provide payment services when customers do not meet the conditions
to use the service or violate regulations on payment, refuse illegal payment services.
Question 63 : What is the obligation of a payment service supplier?
A. Fast, complete, accurate and secure payment services as required by customers.
B. Consisting of A; publicly post up payment service fees, keep account balances secret, provide
periodic and irregular information to account holders about account balances and other related
payment services .
C. Perform fast, complete, accurate and secure payment services at the request of customers, without
keeping the customer's account balance secret.
D. Fast, complete, accurate and secure payment services as requested by customers, keep account
balance secret, no need to publicly list payment service fees.
Question 64 : Which statement about the following customer rights in payment is the most accurate?
A. Have the right to require payment service providers to provide payment services, provide information
and deposit balance of payment accounts.
B. Consisting of A; Provide information and account balance for payment deposits, provide
information relating to payment transactions on the account. Have the right to claim damages if
the payment service supplier violates the agreements.
C. Have the right to require payment service providers to provide payment services, provide information
and deposit balance of payment accounts. Have the right to claim damages if the payment service
supplier violates the agreements.
D. Have the right to require payment service providers to provide payment services, provide information
and deposit balance of payment accounts, to provide information related to the above payment
transactions. account.
Question 65 : What is check? (concept)
A. Check is a means of payment, which commands the payer to pay a certain amount to the beneficiary.
B. Check is a means of payment made by the signer, an order for the payer to pay a certain amount of
money to the beneficiary.
C. Check is a means of payment drawn up by the signer in the form of documents in pre-printed form, and
orders the payer to pay a certain amount of money to the beneficiary.
D. Check is a means of payment drawn up by the signer in the form of documents in a pre-printed
form, an order for the payer to unconditionally pay a certain amount of money to the beneficiary
named on the check or to the take the check.
Question 66 : In Vietnam according to the current regulations on the use of checks, what are the main
contents?
A. Drawer, payer, beneficiary, person making payment.
B. Drawer, payer, beneficiary, payer, collector, deadline of presentation.
C. Drawer, payer, beneficiary, payer, collector, deadline of presentation, place of payment, basic
elements of the check.
D. Drawer, payer, beneficiary, payer, collector, deadline of presentation, basic elements of the check.
Question 67 : If there is a difference between the amount written in numbers and the amount written in
words, how will the payment be made?
A. No payment
B. Payment amount is the amount written in words.
C. Payment amount is a numerical amount.
D. Pay the smallest amount.
Question 68 : What is the normal deadline for presenting a check?
A. Within 30 days.
B. It is 30 days.
C. Is 30 days from the date of signing.
D. Not more than 6 months.
Question 69 : Can checks produced after the presentation deadline be paid?
A. Get paid.
B. Unpaid.
C. Paid but less than 6 months.
D. Payable but less than 6 months from the date of signing and the payer has not received notice
of suspension of payment for that check.
Question 70 : What is proxy?
A. Is a payer's payment order made according to a form set by the payment service supplier.
B. Is a payer's payment order made according to a form set by the payment service supplier and sent to
the payment service supplier where he or she opens his account.
C. Is a payer's payment order made according to the form specified by the payment service
supplier, sent to the payment service supplier where he or she opened his account, requesting
deduction of a certain amount of the above pay the beneficiary's account.
D. Is a payer's payment order made according to a form set by the payment service provider, requesting
a certain amount of money on his account to pay to the beneficiary.
Question 71 : What are the factors of a payment order (authorized payment)?
A. Owner or authorized payment order, serial number, full name, address of payer, name and address of
the payer servicing organization, full name and address of the payer enjoy.
B. Payer or authorized payment order owner, serial number, full name, address of payer, name and
address of the payment service supplier serving the payer, full name and address of the payer
beneficiary, name and address of the organization providing the payment service to the beneficiary, the
amount of the payment in words and in numbers.
C. Owner or authorized payment order, serial number, full name, address of payer, name and address of
the payer servicing organization, full name and address of the payer beneficiary, name and address of the
organization providing the payment service to the beneficiary, the amount of the payment in words and in
numbers. Date of payment order, signed by account holder or authorized by the account holder.
D. Including C; Other factors are not contrary to the provisions of the law by the payment service
supplier.
Question 72 : Which members are participants of electronic interbank payment?
A. The person issuing the order, the person receiving the order.
B. The order issuer, the receiver, the receiving bank, the sending bank.
C. The order issuer, the receiver, the receiving bank, the sending bank, the payment center.
D. Order issuer, receiver, payment center.
Question 73 : What are the conditions for the members to participate in clearing payments in the
province or city?
A. The participants must open an account at a branch of the State Bank or a certain leading bank in the
province or city. Members must submit a written request to join and abide by the rules of the clearing
system.
B. Including A, the participants must be fully responsible for the data, vouchers, the TTBT table. Norn to
fail, the loss must compensate the damage.
C. Including C. The person authorized to directly carry out transaction clearance and receipt of
documents must register their signature sample with member units and the leading bank.
D. Consists of B; The leading bank is responsible for aggregating the results of the CTMs of
member units and settling the difference between the clearing orders. If any difference arises, the
member units must promptly pay the payable difference.
Question 74 : What are the general regulations on interbank electronic payment nationwide?
A. There is a national official payment center located in Hanoi and a backup payment center in Son Tay
that handles high value, low value payments. Members participating in the system must meet all
conditions and be approved by the SBV. Low value amounts are cleared in the province or city. The
difference will be transferred to the national treasury center (SBV's transaction center) for immediate
processing. Electronic Signature.
B. Including A. Net debt limit is determined for each member.
C. Including B. Members must deposit at the State Bank's transaction office.
D. Including A; sharing of payment deficiencies; Net debt limit is determined for each member.
Question 75 : What are the main means of international payment?
A. Bills of exchange, promissory notes, and checks.
B. Bills of exchange, checks.
C. Coupon.
D. Check.
Question 76 : What are the main methods of international payment?
A. Method of money transfer.
B. Method of money transfer, method of collection.
C. Method of collection.
D. Method of money transfer; collection method; Documentary credit method (L / C).
Question 77 : What are the main contents of the letter of credit?
A. Letter number, location and date of credit, type of letter of credit.
B. Letter number, location and date of credit opening, type of letter of credit, name and address of those
involved in TD, amount of TD letter.
C. Letter number, location and date of credit opening, type of letter of credit, name and address of
those involved in TD, amount of TD, payment period, delivery date, vouchers must be presented
by the issuer, the L / C opening bank's commitment.
D. Letter number, location and date of credit opening, type of letter of credit, name and address of those
involved in TD, amount of TD, payment date, delivery date, commitments of banks to open L / C.
Question 78 : What types of TD letters are there?
A. Irrevocable TD letter, irrevocable TD letter, irrevocable TD letter exempt from recourse, certified
irrevocable TD letter.
B. Irrevocable TD letter, irrevocable TD letter, irrevocable TD letter exempt from recourse, certified
irrevocable TD, transferable TD, cyclic TD, reciprocal TD , letter TD payment gradually .
C. Irrevocable TD letter, irrevocable TD letter, irrevocable TD letter exempt from recourse, certified
irrevocable TD, transferable TD letter.
D. Irrevocable TD letter, irrevocable TD letter, irrevocable TD letter exempt from recourse, certified
irrevocable TD, transferable TD, cyclic TD letter.
Question 79 : Which parties involved in the payment of L / C?
A. The importer, the exporter, the bank opens the L / C of the exporter, the notification bank of the
importer.
B. The importer, the exporter, the bank opens the L / C, the bank pays the exporter.
C. The importer, the exporter, the bank opening the L / C, notification bank, confirmation bank of the
importer.
D. The importer, the exporter, the bank opens the L / C, notification bank, confirmation bank,
payment bank.
Question 80 : What is spot transaction?
A. Is the transaction of foreign currency trading at the spot rate.
B. Is the transaction of buying and selling foreign currencies at the spot exchange rate at the time of
transaction.
C. Is the transaction of buying and selling foreign currencies at the spot rate at the time of
transaction. Finishing payment is made within 2 working days from the date of signing the spot
sale contract.
D. The transaction of foreign currency trading at the spot rate. Finish payment within 2 working days.
Question 81 : What is forward transaction?
A. The transaction of buying and selling foreign currency between two parties.
B. Is the transaction of buying and selling foreign currencies between two parties, the exchange rate is
determined at the time of the transaction.
C. Is the transaction of buying and selling foreign currencies between two parties, the exchange rate is
determined at the time of the transaction. Payment is made after a certain time.
D. Is the transaction of buying and selling foreign currencies between two parties, the exchange
rate is determined at the time of the transaction. Payment is made after a certain time from the
date of signing the transaction.
Question 82 : When the buying maturity point is smaller than the selling point, how is the exchange rate
determined?
A. Futures rate = Spot rate + Futures point (increased maturity point).
B. Term exchange rate = Spot rate - Term point.
C. Exchange rate for term = Spot rate.
D. Term exchange rate = Term score.
Question 83 : When the buying maturity point is greater than the selling point, how is the exchange rate
determined?
A. Term exchange rate = Spot rate.
B. Term exchange rate = Spot rate - Term point.
C. Term rate = Spot rate + Term point.
D. Term exchange rate = Term score.
Ques 84 : What is futures trading?
A. A monetary transaction done in the future.
B. A monetary transaction performed in the future for the purchase and sale of a specified amount of
money.
C. A monetary transaction performed in the future for trading in a specified amount of money. Price is
determined at the time of signing the contract.
D. A monetary transaction performed in the future of buying and selling a specified amount of
money. The price is determined at the time of signing the contract and the delivery date and time
according to the regulations of each exchange.
Question 85 : What are the characteristics of currency futures transactions?
A. Currency futures contracts are standardized or non-standardized contracts executed on an exchange.
B. Currency futures contracts are standardized and executed on an exchange. The value date on futures
contracts only specifies a certain number of value days.
C. Currency futures contracts are standardized and executed on an exchange. Value dates on
futures contracts only specify a certain number of value days, the amount of money in each
contract is fixed.
D. Currency futures contracts are standardized and executed on an exchange. Value dates on futures
contracts only specify a certain number of value days, the amount of money in each contract is not fixed.
Question 86 : What is the equal option price?
A. If the option fee is not charged, when the holder exercises the option without incurring any gain
or loss.
B. If the option fee is not charged, when the holder of the exercise exercise the option, there is a loss and
profit but the loss is equal to profit.
C. If the option fee is not charged, interest is earned when the holder exercises the option.
D. If the option fee is not charged, when the holder of the exercise exercise has an interest rate greater
than the loss incurred.
Question 87 : What is the option price?
A. If the option fee is not charged, when the holder exercises the option without loss.
B. If the option fee is not charged, when the holder exercises the option with interest .
C. A or B.
D. If the option fee is not charged, when the holder of the exercise exercise the option has both equal
losses and gains.
Question 88 : What are the methods of foreign currency transaction?
A. Spot trading, forward transaction.
B. Spot trading, futures transaction, forward transaction.
C. Spot trading, futures trading, forward transaction, swap transaction.
D. Spot trading, futures trading, forward trading, swap, option contract transaction.
Question 89 : What is bank guarantee?
A. Is a commitment between the guarantor and the obligee to perform financial obligations on behalf of
the customer when the customer fails to fulfill the obligations committed with the obligee.
B. Is the commitment of the guarantee accepting party to pay debts on behalf of the customers when the
customers fail to fulfill their committed obligations.
C. Is the commitment of the guarantee accepting party to pay debt on behalf of the customer when the
customer fails to fulfill the committed obligation, the guaranteed customer must pay the debt to the
guarantor.
D. Is a commitment between the guarantor and the obligee to perform financial obligations on
behalf of the customer when the customer fails to fulfill the obligations committed with the
obligee. The guaranteed customer must pay the guarantor the amount paid by the guarantor
instead .
Question 90 : Based on the guarantee purpose, what types of guarantee are there?
A. Contract performance guarantee, payment guarantee, other guarantee.
B. Contract performance guarantee, payment guarantee, other guarantee, bid guarantee.
C. Contract performance guarantee, payment guarantee, other guarantee, bid guarantee, deferred
payment guarantee .
D. Contract performance guarantee, payment guarantee, other guarantee, deferred payment guarantee.
Question 91 : What documents must customers present to the bank for guarantee approval?
A. Application for issuing guarantee, documents proving the financial ability of the customer.
B. Application for issuance of guarantee, documents proving the client's financial ability, documents
related to the requested transaction.
C. Application for issuing guarantee, documents proving the financial ability of the customer, documents
related to guarantee for the issuance of guarantee.
D. Application for issuance of guarantee, documents proving the financial ability of the customer,
documents relating to the transaction under which guarantee is requested, documents related to
guarantee for the issue of guarantee receive .
Question 92 : What basic elements does the guarantee document contain?
A. Designate the parties to the party, the purpose of the guarantee, the amount of the guarantee.
B. The purpose of the guarantee, the amount of the guarantee, the terms of payment.
C. Designate the parties to the party, the purpose of the guarantee, the amount of the guarantee,
the payment conditions, the period of validity .
D. Purpose of the guarantee, amount of the guarantee, terms of payment, period of validity.
Question 93 : What are the business operations of gold, silver, and gems?
A. Processing and manipulating gold, silver and precious stones. Buying and selling gold, silver, and
gems.
B. Processing and manipulating gold, silver and precious stones. Buying and selling gold, silver,
gemstones, lending precious metals.
C. Processing and processing gold, silver, and gems, lending precious metals.
D. Buying and selling gold, silver, and precious stones. Lending precious metals.
Ques 94 : What types of instruments are traded on the money market?
A. Long term tools, and short term tools.
D. Treasury bills, money orders.
Question 95 : What do commercial banks need to do when trading securities?
A. Analyzing and determining reasonable securities prices.
B. Analyzing, determining reasonable securities prices, and managing investment accounts.
C. Analyzing, determining reasonable securities prices, portfolio insurance.
D. Analysis, determination of reasonable securities prices, investment account management,
portfolio insurance.
Question 96 : What types of trust services are there?
A. Personal trust service, trust service for businesses.
B. Personal fiduciary service, fiduciary service for charities.
C. Personal trust services, fiduciary services for businesses, fiduciary services for other organizations.
D. Personal trust services, fiduciary services for businesses, fiduciary services for charities,
fiduciary services for other organizations.
Question 97 : What types of advisory information services are available to commercial banks?
A. Environmental information services, securities consulting services for customers.
B. Environmental information services, securities consulting services for customers, investment project
formulation services, disbursement consulting services.
C. Environmental information services, securities consulting services for customers, investment project
formulation services, disbursement consulting services, economic analysis services for investment
projects, other services related to related to microfinance activities.
D. Environmental information services, securities consulting services for customers, investment
project formulation services, disbursement consulting services, economic analysis services for
investment projects, other services related to related to financial institutions activities, real estate
market consulting services .
Question 98 : What are the main reasons for TD risk?
A. Causes of force majeure, economic environment, legal environment, and policies of the state, causes
from the borrower.
B. The cause of force majeure, the economic environment, the legal and policy environment of the state,
the cause of the borrower, the cause is the bank itself.
C. Causes of force majeure, economic environment, legal environment, policy of the state, the
cause of the borrower, the cause of the bank itself, the cause of the guarantees .
D. Causes of force majeure, economic environment, legal environment, policy of the state, causes from
borrowers, causes from guarantees.
Question 99 : Are there any measures to prevent and limit TD risks?
A. Develop a reasonable thinking policy, analyze thinking and measure the level of risks, well implement
the guarantee of thinking.
B. Develop a rational thinking policy, analyze thinking and measure the level of risks, well implement the
assurance of thinking, perform well the monitoring of thinking.
C. Develop a rational thinking policy, analyze thinking and measure the level of risks, well implement the
assurance of thinking, well implement the monitoring of thinking, perform the risk distribution.
D. Develop a rational thinking policy, analyze thinking and measure the level of risk, well
implement the assurance of thinking, well monitor thinking, perform risk distribution, use similar
contracts hybrid and option contracts .
Question 100 : What are measures to deal with risks?
A. Exploitation method.
B. Exploitation measure, liquidation measure.
C. Measures of liquidation.
D. Measures to collect debt.
Question 101 : What is interest rate risk?
A. Interest rate risk of debt refinancing.
B. Interest rate risk on reinvestment of assets.
C. A and B .
D. A, B and the risk of devaluation.
Question 102 : In which cases does interest rate risk occur?
A. Increased inflation, unreasonable structure of bank's assets and liabilities.
B. Increased inflation, unreasonable structure of assets and liabilities of the bank, low level of
competition in interest rates in the market of banks, other factors of the economy.
C. Factors of the impact economy.
D. Increased inflation, unreasonable structure of assets and liabilities of commercial banks, low level of
competition in interest rates in the market of commercial banks.
Question 103 : What are measures to prevent interest rate risk?
A. Interest rate forward transactions, spot transactions.
B. Options trading.
C. Swap transactions.
D. C and forward transactions on interest rates, option transactions.
Question 104 : What factors does foreign exchange risk depend on?
A. Net foreign exchange position, degree of exchange rate volatility.
B. Foreign exchange position.
C. Rate of exchange rate volatility.
D. B and C.
Question 105 : Are there any factors affecting the liquidity of commercial banks?
A. Business environment, monetary policy of the State Bank.
B. Commercial banks' liquidity management strategy.
C. Both A and B.
D. Both A, B, and the development of the money market, other factors.
Question106 : What are the basic characteristics of Marketing NH?
A. As a type of Marketing of financial services, banking products and services are intangible, indivisible,
unstable and difficult to define.
B. As a type of Marketing of financial services, banking products and services are intangible, indivisible,
unstable and difficult to define. Banking marketing is diversified and complex.
C. As a type of Marketing of financial services, banking products and services are intangible, indivisible,
unstable and difficult to define. Under the Relational Marketing category.
D. As the type of Marketing of financial services, banking products and services are intangible,
indivisible, unstable and difficult to define. Banking marketing is diversified and complex. Under
the Relational Marketing category.
Question 107 : What is the role of marketing bank?
A. Participate in solving basic economic problems of banking business, bridging banking operations with
the market.
B. The bridge between banking activities and the market, creating a competitive position of banks.
C. A and B.
D. Participate in solving basic economic problems of banking operations.
Question 108 : When researching the market, what content should banks focus on researching?
A. Customer needs, factors affecting the customer's financial services.
B. Customer needs, factors affecting customers 'financial services, customers' behavior of purchasing
financial products.
C. Customer needs, factors affecting customers' financial services, customers' behavior of buying
financial products, determinants of customers' choice of banks.
D. Customer needs, factors affecting the customer's financial services, factors that influence the
customer's choice of banks.
Question 109 : When researching business environment, what issues should banks study?
A. Competition factor, economic factor, law.
B. Economic factors, legal factors, socio-cultural environment.
C. Competition factor, legal factor, socio-cultural environment.
D. Competitive factors, economic factors, legal factors, socio-cultural environment.
Question 110 : What are the basic contents of the NH Marketing Strategy?
A. Product strategy, price strategy.
B. Product strategy, price strategy, promotion and communication strategy.
C. Product strategy, price strategy, promotion strategy, communication, distribution strategy.
D. Product strategy, pricing strategy, distribution strategy.
Question 111 : What are the bases for analyzing banking business?
A. The mechanisms and policies related to the business operations of the bank.
B. Statistics, accounting (balance sheet, business results).
C. Sources of general information inside and outside the bank.
D. Both A, B, C.
Question 112 : What is the reasonable level of equity (equity) ?
A. Is the level of capital in accordance with the provisions of the law, the governing body.
B. Is the level of capital consistent with the level of risks in the business operations of the bank.
C. Is the level of capital in accordance with the provisions of the law, the regulating agencies, the
level of risk in the business activities of the bank, and in accordance with the size and conditions
of the bank .
D. A and B.
Question 113 : What is the indicator used in the equity analysis?
A. Equity / Total Deposits (Total Deposits).
B. Equity / Total Deposits, Equity / Total Assets, Equity / Total Risk Assets .
C. Equity / Total Deposits, Equity / Total Assets, Equity / Total Risk-Free Assets.
D. Equity / Total Assets, Equity / Total Risk Assets.
Question 114 : According to the international standard, what are the main categories of debts of
commercial banks?
A. Group of qualified debt, group of outstanding debt, group of sub-standard debt.
B. Group of qualified debt, debt group to pay attention, group of sub-standard debt, group of doubtful
debt.
C. Group of qualified debt, debt group to pay attention, group of sub-standard debt, group of
doubtful debt, group of debt with potential to lose capital .
D. Group of qualified debt, debt group to pay attention, group of sub-standard debt, group of debt with
potential to lose capital.
Question 115 : In Vietnam today, what are the types of debts of commercial banks?
A. Group of debts which are evaluated to be able to recover principal and interest on time and debts with
full repayment of principal and interest but with signs of reduced solvency (debt extension).
B. Including A, the group fails to pay part or all of the principal and interest within 180 days from the due
date.
C. Including B, group fails to pay part or all of the principal and interest within 180 days from the due date,
the group fails to pay part or all of the principal and interest for a period of 181 to 360 days. from the due
date.
D. Including C, the group fails to pay part or all of the principal and interest within 181 to 360 days
from the due date, the group fails to pay part or all of the principal and interest after 360 days, and
irrecoverable debts .
Question 116 : When assessing the quality of thinking, which analytical criteria do people often use?
A.- Capital turnover TD = Turnover of debt repayment in the period / Average outstanding balance in the
period.
Overdue debt ratio = Overdue debt balance / Total outstanding debt.
Overdue debt ratio = Total outstanding debt balance / Total outstanding debt.
- Rate of provisioning for TD risk = provisioning for credit losses / Outstanding balance of the reporting
period.
- White debt ratio = White lost debt rate / reporting period average balance.
B.-Capital turnover TD = Turnover of debt repayment in the period / Average balance in the period.
Overdue debt ratio = Overdue balance / Total debt balance.
Overdue debt ratio = Total outstanding debt balance / Total outstanding debt.
- Rate of provisioning for TD risk = provisioning for credit losses / Outstanding balance of the reporting
period.
- White debt ratio = White lost debt rate / reporting period average balance.
- Ratio of the ability to offset lost loans = provision for credit losses / Loss of outstanding loans.
-or Coefficient of the ability to offset the lost loans = deducted TD risk reserve + Profit before tax.
C . Include B And analyze the risk scattering situation.
D.-Capital turnover TD = Loan repayment turnover in the period / Average outstanding balance in the
period.
Overdue debt ratio = Overdue balance / Total debt balance.
Overdue debt ratio = Total outstanding debt balance / Total outstanding debt.
- Rate of provisioning for TD risk = provisioning for credit losses / Outstanding balance of the reporting
period.
- White default ratio = White loss rate in the reporting period / Average outstanding debt of the reporting
period and analyze the risk scattering situation.
Question 117 : When assessing the profitability of commercial banks, which contents are evaluated and
analyzed?
A. Analyze and evaluate the current status of the bank's revenue and income.
B. Analyzing and evaluating the status of the bank's revenue and income, analyzing the cost of the bank.
C. Analyzing and assessing the status of the bank's revenue and income, analyzing profitability.
D. Analyze and evaluate the status of the bank's revenue and income, analyze the bank's costs,
analyze profitability (through analysis of profitability coefficients).
Question 118 : Analysis of profitability coefficients including analysis of coefficients?
A. - Equity return ratio (ROE)
ROE = Profit after tax / Average total equity.
-The rate of return on total assets (ROA)
ROA = Profit after tax / Average total assets.
-The coefficient of net interest difference
Net profit margin = Profit after tax / Total profitable assets.
B. -Equity return ratio (ROE)
ROE = Profit after tax / Average total equity.
-The rate of return on total assets (ROA)
ROA = Profit after tax / Average total assets.
-The coefficient of net interest difference
Net profit margin = Profit after tax / Total profitable assets.
Non-interest income ratio = (Non-interest income - Non-interest expenses) / Total assets.
- Coefficient of net operating income
Marginal operating income ratio = (Total operating income - Total operating expenses) / Average total
assets.
C. Including B, Average interest rate difference = Interest income / Total interest earning assets -
Total interest payment / Total capital to pay interest.
D.-Equity return ratio (ROE)
ROE = Profit after tax / Average total equity.
-The rate of return on total assets (ROA)
ROA = Profit after tax / Average total assets.
-The coefficient of net interest difference
Net profit margin = Profit after tax / Total profitable assets.
Average interest rate difference = Interest income / Total earning assets - Total interest payment / Total
interest payables.
Question 119 : Analyzing the primary reserve situation of banks including what analysis contents?
A. Analysis of legal reserves, cash at the fund, and revenues from other banks.
B. Analysis of cash at the fund, the revenues from other banks.
C. Analysis of legal reserves, cash at the fund.
D. Analysis of legal reserves, revenues from other banks.
Ques 120 : Solvency analysis includes analysis of quantitative indicators?
A. Criteria: solvency ratio, cash status index, liquidity stock index, lending capacity index.
B. Criteria: solvency ratio, cash status index, liquidity stock index, lending capacity index, quick
payment index, loan net status index , short-term investment capital index, index between
transaction deposits and term deposits.
C. Criteria: solvency coefficient, cash status index, liquidity stock index, lending capacity index, fast
payment index.
D. Criteria: solvency ratio, cash status index, liquidity stock index, lending capacity index, quick payment
index, short-term investment capital index.
Question 121 : Which of the following statements is correct?
A. Consumer credit is a type of loan to meet business and family consumption requirements.
B. Consumer credit is a type of loan to meet personal consumption requirements and business
requirements of households.
C. Consumer credit is a type of loan to meet the business requirements of individuals and households.
D. Consumer credit is a type of loan to meet the consumption needs of individuals and
households.
Question 122 : What are the characteristics of consumer credit ?
A. Rich and diversified credit needs; short-term loan term.
B. The purpose of consumer credit is flexible; low risk
C. Interest rates are usually high compared to other loans of the same term.
D. Including C; rich and diversified credit needs; flexible purpose; high risk; loan terms are short,
medium and long term.
Question 123: What is installment consumer credit?
A. Installment consumer credit is a credit in which a borrower pays principal in lump sum and interest in
installments.
B. Installment consumer credit is a credit in which a borrower pays principal in installments and interest in
lump sums.
C. Installment consumer credit is a type of credit in which the borrower pays principal and interest
in installments, for a certain period of time during the loan term.
D. Installment consumer credit is a type of credit in which borrowers can repay principal and interest over
a fixed period of time.
Question 124 : What is a irrevocable letter of credit?
A. A reversible letter of credit is a letter of credit where the buyer has the right to ask the bank to open the
L / C but must notify the seller.
B. A reversible letter of credit is a letter of credit where the buyer has the right to ask the bank to open an
additional L / C and must notify the seller.
C. Irrevocable letter of credit is a letter of credit in which the buyer has the right to request the
bank to open the L / C for amendments and supplements without notice to the seller.
D . A reversible letter of credit is a letter of credit in which the buyer does not need to ask the bank to
open an L / C for amendments and supplements, but must notify the seller.
Question 125: What is an irrevocable letter of credit?
A. An irrevocable letter of credit that does not require a payment guarantee from another bank.
B. An irrevocable letter of credit, guaranteed by another bank to pay at the request of the bank
opening the L / C
C. An irrevocable letter of credit that can be supplemented or modified
D. An irrevocable letter of credit that requires another bank to guarantee the payment and does not
require the request of the bank to open an L / C
Question 126 : What is an irrevocable letter of credit?
A. L / C type, after being opened, cannot be modified or canceled by itself under any conditions.
B. L / C type, after being opened, cannot be modified or canceled without the consent of the
concerned parties.
C. Is the type of L / C to be modified or canceled if one of the parties concerned agrees.
D. L / C type can be modified or canceled but must be agreed upon by the L / C opening bank.
Question 127 : What is irrevocable letter of credit exempt from claim?
A. An irrevocable letter of credit, after the buyer pays the money, the bank opening the L / C has
no right to claim money back for any reason.
B. An irrevocable letter of credit, but the bank that opens the L / C has the right to recover the money after
the buyer pays the money in special cases.
C. Irrevocable letter of credit, but if one of the parties involved has a reasonable offer, a refund will be
made after the buyer pays.
D. An irrevocable letter of credit, but if at least two parties involved have a reasonable offer, a refund can
be made after the buyer pays .
Question 128 : In Vietnam today, what types of risks account for the largest proportion of all types of
risks?
A. Interest rate risk
B. Liquidity risk
C. Exchange risk
D. Credit risk.
Question 129 : Why is building a reasonable credit policy one of the measures to prevent and limit credit
risks?
A. Because the credit policy is to expand the objects of loan to increase profits for commercial banks
B. Because the credit policy limits unnecessary costs in raising capital.
C. Because credit policy stipulates that loans to customers must have collateral for loans
D. Because the credit policy is the basis for loan management, ensuring the effective use of
loans; has an impact on borrowers; Identify standards for bank lending.
Question 130 : How is risk dispersing in credit extension of commercial banks?
A. Commercial banks do not focus on lending a few areas and areas but focus on lending to large
customers.
B. Commercial banks can lend to some reputable customers.
C. Commercial banks do not perform syndicated lending
D. Should not lend a few sectors, areas, some customers, increase syndicated lending; portfolio
diversification.
Question 131 : Based on the nature of guarantee, what kinds of guarantees are there?
A. Co-obligation guarantee (also known as supplementary guarantee).
B. A and independent guarantee
C. Independent guarantee and performance guarantee
D. Co-obligation guarantees (also known as supplementary guarantees), performance guarantees and
other guarantees.
Question 132 : Based on the method of guarantee issuance, what kinds of guarantees are there?
A. Direct guarantee and indirect guarantee
B. Direct guarantees and bid guarantees
C. Indirect guarantee and deferred payment guarantee
D. Bid and other guarantees.
Question 133 : Which parties participate in direct guarantee?
A. Bank issuing guarantee, who is the guarantee.
B. A and the beneficiary of the guarantee.
C. Bank issuing guarantee, beneficiary of guarantee.
D. The obligee, the bank serving the beneficiary
Question 134 : Which parties do indirect sponsorships include?
A. Guarantee issuing bank, intermediary bank, guarantee beneficiary
B. A and the surety
C. Bank issuing the guarantee, the obligee
D. Bank intermediaries, beneficiaries of the guarantee, the guarantor
Question 135 : What is the guarantee process?
A. The client prepares and submits the petition to request the guarantee, the bank evaluates the file and
makes a guarantee decision.
B. The Bank signs a guarantee contract with the customer and issues a letter of guarantee; the client
prepares and submits the petition for the guarantee; The bank insists on records and decisions.
C. B; the customer pays the guarantee fee and other fees (if any) as agreed in the guarantee contract.
D. C and guarantee settlement.
Question 136 : In analyzing business activities of commercial banks, which analysis methods are often
available?
A. Direct and indirect assessment, comparison method, individual assessment method.
B. A and comprehensive evaluation method.
C. B and scoring method
D. A and scoring method.
Question 137 : What are the payment needs of commercial banks?
A. The depositors' need to withdraw money, the loan matures.
B. The customer's legitimate need for credit to pay for the goods and services that the bank commits to
lend.
C. Interest payable on deposits and loans.
D. B; depositors' need to withdraw money; interest payments on deposits; repay the debt and
interest on which the bank borrows; other spending needs of commercial banks themselves.
Question 138 : According to Basle international standard, what is the level of risk of assets divided into
categories?
A. Type 0% includes cash and deposits at credit institutions
Type 20% of loans within banks, government debts
Type 50% of loans with mortgage of real estate by individuals, long-term loan.
B. Type 0% includes cash and government debt.
Type 20% of loans within banks.
Class 50% of all mortgaged personal real estate loans.
100% type, standard debt.
C. Type 0% includes cash and short-term securities
Type 20% for internal loans, short-term loans
Type 50% of mortgaged debts of real estate of individuals; consumer loans.
Type 100% non-standard debt.
D. Type 0% includes cash and government debt, short-term securities
Type 20% for internal loans, pawnshops
Type 50% of debts with real estate mortgage of individuals, factoring loan.
100% problem debt type.
Question 139 : When assessing profitability, which criteria can be quantified?
A. Net Profit / Equity.
Net profit / Total assets.
Interest income / Total assets.
B. Net Profit / Equity.
Net profit / Total assets.
Interest income / Total assets.
Interest expense / Total assets.
Non-interest income / Total assets.
C. Net Profit / Equity.
Net profit / Total assets.
Interest income / Total assets.
Interest expense / Total assets.
Non-interest income / Total assets.
Non-interest expenses / Total assets.
Income before tax / Total assets.
D. Net Profit / Equity.
Net profit / Total assets.
Interest income / Total assets.
Interest expense / Total assets.
Non-interest income / Total assets.
Non-interest expenses / Total assets.
Income before tax / Total assets.
Specific provisions (by subjects, types) and general provisions / Total assets.
Question 140 : What are indicators for evaluating liquidity?
A. Dynamic Assets / Dynamic Liabilities.
Medium and long term loans / Sources are allowed for medium and long term loans.
B. Dynamic Assets / Dynamic Liabilities.
Medium and long term loans / Sources are allowed for medium and long term loans.
Total large deposits / Funding sources.
Total assets, total mobilized capital, difference at time, accumulated difference.
C. Dynamic Assets / Dynamic Liabilities.
Medium and long term loans / Sources are allowed for medium and long term loans.
Total large deposits / Funding sources.
Total assets, total mobilized capital, difference at time, accumulated difference.
The index requires cash reserves, requires highly liquid assets.
Outstanding / Total deposit.
Unstable capital / Total assets.
D. Dynamic Assets / Dynamic Liabilities.
Medium and long term loans / Sources are allowed for medium and long term loans.
Total large deposits / Funding sources.
Total assets, total mobilized capital, difference at time, accumulated difference. Outstanding / Total
deposit.
Question 141 : Which of the following statements is correct between time deposit and current deposit?
A. Term deposits can be withdrawn at any time while demand deposits are only withdrawn at the end of
the month
B. Term deposits are interestable at any time while demand deposits are interest only at the end of the
month
C. Demand deposit is just another name for time deposit
D. Payment deposits are opened for the purpose of making payments via banks, not for interest
earning purposes, but for term deposits for the purpose of earning interest within a certain period
of time.
Question 142 : In addition to raising capital through a commercial bank deposit account, how can I
mobilize capital?
A. Issuing bills and treasury bonds
B. Issuing promissory notes and bank bonds
C. Issuance of valuable papers
D. Issue of deposit certificate
Question 143 : Why is there a need to mobilize capital by issuing valuable papers in addition to
mobilizing capital via deposit account?
A. Because issuing valuable papers is easier to raise capital than raising capital through a deposit
account
B. Because issuing valuable papers has lower cost of capital mobilization than raising capital through
deposit account
C. Because issuing valuable papers has mobilized large capital
D. Because the demand for deposits of customers is diversified, so it is necessary to have many
forms for customers to choose suitable for their needs and the needs of banks to meet the
borrowers' needs.
Question 144: Which of the transactions listed below is not a credit relationship?
A. Mr. A purchases insurance from Bao Viet Company and ACB Bank sells shares to Mr. A
B. Company A sells the product to company B and company A advances the purchase money to
company C
C. Relations between players and pawnbrokers and customer relationship in pawn service
D. The Finance Company issues certificates of deposit
Question 145 : What are the similarities in credit granting and lending activities?
A. Both are credit relationships
B. Both have to collect both principal and interest
C. Both require collateral
D. Both are done by commercial banks only
Question 146 : Which of the following opinions about credit extension and lending is correct?
A. Lending is just one form of credit
B. Lenders must have collateral and provide credit without collateral
C. Loans with principal and interest collection and credit granting only principal and no interest
D. Lending is the operation of a commercial bank and providing credit is an operation of credit institutions.
Question 147 : What bank is building credit process?
A. Credit processes are those jointly developed by commercial banks and the State Bank.
B. Credit process is the order of steps to be taken when considering granting credit to customers as
prescribed by the State Bank for commercial banks.
C. Credit process is the sequence of steps to be taken when considering granting credit to customers as
agreed by commercial banks.
D. Credit process is the sequence of steps taken when considering granting credit to customers
built by each commercial bank .
Question 148 : Why besides reviewing credit records, credit officers need to conduct client interviews in
order to decide whether to lend customers loans or not?
A. Because the client never submits a complete application
B. Because customer interviews help credit officers investigate whether a customer has overdue debts to
add to a credit record
C. Because interviewing clients helps employees to check authenticity and gather other
necessary information.
D. Because interviewing the customer helps the credit officer to know if the customer has collateral or not.
Question 149 : Which of the following statements is the most accurate one about credit guarantee?
A. Credit guarantee means that credit institutions apply measures to prevent risks, create
economic and legal bases to recover loans lent to customers.
B. Credit guarantee is a financial institution providing credit guarantee for another organization.
C. Credit guarantee means to ensure the solvency of a credit institution's debt
D. Credit guarantee is the customer bringing collateral to secure the loan
Question 150 : What does credit guarantee mean for debt recovery?
A. Increased debt collection capacity for credit institutions
B. Ensuring the credit institution's ability to recover debts
C. Strengthening the credit institution's debt recovery capacity
D. Improving debt collection solutions for credit institutions
Question 151 : In order to ensure debt recovery, what credit guarantees can banks use when considering
loans?
A. Security with collateral, security with pledged properties, security with property formed from
loan capital and security in the form of third party guarantee
B. Secured with tangible assets such as factories, machinery, equipment, ... and intangible assets such
as brand name, corporate advantage, reputation of director, ...
C. Securing a loan with another bank
D. Ensure equal value of residential and arable land tenure
Question 152 : Which statement most accurately reflects the difference between collateral and collateral
in the forms of credit security?
A. the pledged property can be liquidated while the collateral can only be used, not liquidated
B. The pledged property is movable while the collateral is not movable
C. The pledged property can transfer the title while the collateral cannot transfer the title.
D. The pledged property does not need to register for the certificate of ownership while the collateral
needs to register for the certificate of ownership.
Question 153 : What can negative effects on the bank's credit operations if considering lending too much
attention and dependence on collateral or pledged assets?
A. There is no negative effect at all because there are collateral and pledge to secure the loan.
B. Dependency mentality while reviewing lending and monitoring debt collection
C. Expensive costs of preserving collateral or pledging
D. Expensive costs of disposing of collateral or pledge.
Question 154 : Which of the following statements is inaccurate?
A. Credit security with assets formed from loan capital is applied overseas
B. Credit security with properties formed from loan capital is applicable in Vietnam
C. Asset credit guarantees are not yet applied in Vietnam
D. Credit security by assets formed from loan capital is applied both in foreign countries and in Vietnam.
Question 155 : Why do borrowers have to ensure the bank's lending principles?
A. To ensure customer solvency
B. To ensure the bank's solvency
C. To ensure the bank's ability to recover debt
D. To ensure the credit policy and debt collection goals of the bank.
Question 156 : Which of the following statements is an accurate one?
A. When borrowing from a bank, customers must have civil legal capacity, capacity for civil acts
and civil liability in accordance with law.
B. According to the provisions of the credit rules, when borrowing, customers must have legitimate loan
purposes, have financial ability to ensure repayment within the committed period and have collateral.
C. According to the provisions of the credit regulations, when getting loans, customers must have feasible
and effective production, business and service plans and have collateral for loans.
D. All statements above are correct.
Question 157 : When getting a loan from a bank, what documents does a business customer need to
prepare ?
A. Application for loan, papers proving the legal status of the customer.
B. Business production plan and debt repayment plan or investment project, financial statement of the
most recent period.
C. Documents relating to collateral, mortgage or loan guarantee and other necessary related documents.
D. All of the above documents
Question 158 : When borrowing money from banks, what purpose is the business customer required to
submit to the bank the financial statements of the latest period?
A. To see if the customer owes the bank or not?
B. To see if customers have tax debt to the state?
C. To see if the client's financial position is good or not?
D. To see if a client is legally active?
Question 159 : Can a careful examination of loan application avoid all overdue debts?
A. Yes, if the credit officer knows how to do the assessment
B. Yes, if the bank knows the exact regulations the documents include
C. No, because the credit officer cannot fully verify the application
D. No, because debt collection occurs after appraisal and overdue due to many reasons.
Question 160 : When making a loan, how is the total credit balance for a customer limited?
A. Total outstanding loans to a customer may not exceed 15% of the bank's equity, except for
loans from trust funds of the Government, organizations and individuals. multiply.
B. Total outstanding loans to a customer cannot exceed 15% of the bank's equity
C. Total outstanding loans to a customer must not exceed 15% of the bank's capital, except for loans
from trust funds of the Government, organizations and individuals. .
D. Total outstanding loans to a customer cannot exceed 15% of the bank's capital
Question 161 : What is the difference between the loan loan method and the credit line loan method?
A. Loan by loan must make a loan request for each loan, while lending on credit line, there is no need to
make a loan request
B. Loan by item is lending according to customer needs while line lending is lending according to the
capacity of the bank
C. For loan according to the loan, the customer has to make a loan application for each loan when
in need of a loan, and the customer only needs to make a loan application for the first time and the
next time only presents the documents. , invoices related to borrowing for the bank to serve as a
basis for loan payment.
D. Loans by credit are loans from non-bank credit institutions while credit line loans are loans from
commercial banks.
Question 162 : When analyzing credit, what information do you need to use?
A. Information collected from a customer's loan record
B. Information through customer interviews
C. Information from other sources
D. Information from all three sources above
Question 163 : What is the difference between corporate financial analysis and credit analysis to decide
loans to customers?
A. Corporate financial analysis is to evaluate the financial situation of the business while credit analysis is
to see the credit situation of the business.
B. Financial analysis is just one of the content of credit analysis
C. Business-driven financial analysis, while credit analysis by banks
D. Credit analysis is just one of the contents of financial analysis
Question 164 : What is the goal of ratio analysis?
A. Assessment of the enterprise's liquidity
B. Evaluate the enterprise's ability to pay debts
C. Evaluate the profitability of the business
D. All is not wrong
Question 165: To evaluate customers' ability to repay debts and interest, which ratio should be used?
A. Debt ratio and interest coverage ratio
B. Debt ratio and liquidity ratio
C. Liquidity and interest coverage ratio
D. Liquidity ratio, debt ratio and loan interest coverage ratio
Question 166 : Analysis of production and business plans, what role does it play in assessing customers'
ability to pay debts?
A. Important because it indirectly assesses the customer's ability to repay
B. It does not matter because it indirectly does not directly assess the customer's ability to repay.
C. Important because it relates directly to the assessment of the customer's ability to repay
D. It does not matter because it only complements the limitations of corporate financial analysis to
contribute to the assessment of customer repayment ability.
Question 167 : When analyzing a business plan, which main contents should be focused on?
A. Analyze the market situation and forecast revenue
B. Forecast of cost items
C. Cash flow forecast and debt repayment ability
D. All right
Question 168 : Why when considering a bank project loan requires enterprises to have equity capital to
invest in the project?
A. In order to avoid reliance on making businesses use loans effectively
B. To increase the degree of financial ownership of the business
C. To reduce the financial dependence of businesses on banks
D. A, B, C are all correct and increase responsibility for sharing risk with the bank when a risk
occurs
Question 169 : Which of the following statements is correct about financial leasing activities of credit
institutions?
A. Financial leasing is an unsecured form of credit
B. Financial leasing means a form of credit in which the collateral is the property formed from the
loan capital
C. Financial leasing is a form of credit where collateral is collateral
D. Financial leasing is a form of credit where collateral is pledged
Question 170 : To encourage customers to use credit institutions' financial leasing services, how must
the rental cost be determined?
A. Fix the current cost of renting more than the present cost of buying assets of the business
B. Fix so that the present cost of rent is equal to the present cost of buying the enterprise's assets
C. Fix the current cost of renting less than the present cost of buying the business
D. Fix the cost of renting less than the cost of buying your business
Question 171 : What are the benefits of export factoring to customers using factoring services?
A. Help your customers avoid the nuisances and obstacles of opening letters of credit
B. Helping the client to receive funding from the factoring entity
C. Helping customers track and recover debts from factoring units
D. All of the above are correct
Question 172 : What benefits does export factoring bring to a bank providing factoring service?
A. Help your bank avoid the nuisances and obstacles of opening letters of credit
B. Help the bank use capital to generate income for the bank
C. Help your bank track and collect debt for receivables
D. All of the above are wrong
Question 173 : Which of the following statements about recourse factoring is correct?
A. Exempt factoring is actually factoring that is exempt from claiming the principal
B. Recourse factoring means factoring in which the factoring entity has the right to claim debt to
the exporter if the importer fails to pay the receivables when due.
C. Recourse factoring means factoring in which the factoring entity has the right to claim the debt from the
factoring unit on the side of the importer if the importer fails to pay the receivables when due.
D. All of the above are wrong
Question 174 : Which parties are involved in a guarantee contract?
A. Banks, customers and customers customers
B. The guarantor, the guaranteed and the obligee
C. The Bank, the Guarantor and the Guarantor
D. The Bank, the Guarantor and the Guarantor
Question 175 : How are loan guarantees and credit guarantees related?
A. Loan guarantees are just one of the forms of credit guarantee
B. Credit guarantee is just one of the forms of loan guarantee
C. These two concepts are not related
D. These two concepts are exactly the same
Question 176 : In order to be guaranteed by a bank, what conditions must a customer satisfy compared
with the loan conditions?
A. Similar to loan terms
B. More difficult than loan terms
C. Easier loan terms
D. Completely different loan terms
Question 177 : What obligations of a credit institution can guarantee for a customer?
A. Obligation to repay the principal, interest and other expenses related to the loan
B. Obligation to pay for the purchase of materials, goods, machinery, equipment and other expenses for
customers to carry out production and business projects or plans, life services, investment and
development
C. Obligation to pay taxes and other financial obligations to the State, obligations of customers when
participating in tenders, and performing contracts in accordance with law.
D. All of the above-mentioned obligations
Question 178 : In order to perform guarantee operations for customers, in what forms can a bank issue
guarantees?
A. Bank guarantees can be made in many forms such as issuing letters of guarantee, promises of
guarantee, signing guarantee confirmation on bills of exchange and promissory notes.
B. Bank guarantees can be made in many forms such as issuing letters of guarantee for guarantee,
confirmation of guarantee, signing guarantee confirmation on bills of exchange and promissory notes.
C. Bank guarantee can be made in many forms such as issuing letters of guarantee, confirmation of
guarantee, signing guarantee confirmation on customer contracts.
D. Bank guarantees can be made in many forms such as issuing letters of guarantee, confirmation
of guarantee, signing guarantee confirmation on bills of exchange and promissory notes .
Question 179 : What is the meaning of payment between customers via banks in the socio-economic life
as well as in the operations of customers and banks?
A. Help save cash circulation costs, promote fast payment and goods circulation, contribute to socio-
economic development
B. Helping customers' payment operations quickly, safely and conveniently
C. Help banks to mobilize temporarily idle capital of customers for lending purposes to improve efficiency
of capital in general
D. All right
Question 180 : In what situation can payment order by payment order be used?
A. Payment by payment order can be used to pay for goods or services or used to transfer money
from one account to another
B. Payment by payment authorization may be used to pay for goods and services provided
C. Payment by payment order may be used in the payment of goods.
D. Payment by payment order can be used in payment of goods and debt payment with banks.
Ques 181 : In what situations can a collection authorization payment method be used?
A. In the event that both parties purchase and sell goods or provide services with mutual trust or
in the case of payment for services provided with accurate metering devices such as electricity,
water, or telephone
B. In cases where the two service providers have mutual trust, or have accurate metering devices such as
electricity, water, or telephone.
C. In the case where two parties buy and sell goods with mutual trust
D. In the event that both parties purchase and sell goods or provide services without mutual trust or in the
case of payment for services provided with accurate metering devices such as electricity, water, or
telephone
Question 182 : In what situations can payment by letter of credit be used?
A. In the case where two parties buy and sell goods, they do not trust each other
B. In the case where both parties buy and sell goods with mutual trust
C. In the case that the two service providers do not trust each other
D. In the case where two service providers have mutual trust.
Question 183 : What is the difference between credit card and debit card?
A. Credit cards issued by credit institutions, debit cards issued by banks.
B. Credit cards are used to provide credit, debit cards are used to pay debts
C. Credit cards do not require customers to have money on their accounts to use, lifetime debit
cards require customers to have money on their accounts to use them.
D. All of the above are wrong
Question 184 : In which situation can payment cards be used?
A. Any payment that the beneficiary accepts
B. Any payment for the goods that the beneficiary accepts.
C. Any service charge that the beneficiary accepts
D. Any debt payments to the bank
Question 185 : Among international payment methods, what is the most commonly used medium? Why?
A. A bill of exchange, as it is guaranteed to pay
B. Voucher order, as it is suitable for many payment methods
C. Check , because it's almost like money
D. Bill of exchange, as it is widely used in many types of international payment methods.
Question 186 : With two types: commercial bill of exchange and bank draft, which of the following is the
correct statement about these two types?
A. Bank draft is a bill of exchange drawn by a bank, commercial draft is a bill of exchange drawn
by importers and exporters .
B. Bank drafts are bills of exchange paid by banks, commercial bills of exchange are bills paid by
importers.
C. Bank draft is a bill of exchange drawn by a bank. A commercial draft is a bill of exchange drawn by
commercial organizations.
D. Bank drafts are bills drawn by a bank, and commercial bills are bills drawn by the importer.
Question 187 : Who is the issuer of a commercial bill of exchange?
A. Importer
B. Exporter and Importer.
C. The bank opens L / C
D. Bank advising L / C
Question 188 : Which of the following is a correct statement about the classification of a commercial bill
of exchange?
A. Commercial bills of exchange can be classified into spot and time bills
B. Commercial bills of exchange can be classified into bills of exchange for collection and into bills of
exchange for documentary credit.
C. Commercial bills of exchange can be classified into nominated bills of exchange and into bills of
exchange payable by order
D. All statements above are correct
Question 189 : What is acceptance of a bill of exchange?
A. A commitment by the payer to pay when the bill of exchange expires
B. An undertaking by the payer to pay when the bill of exchange becomes due
C. An undertaking by the drawer to pay when the bill of exchange becomes due
D. An undertaking by the drawer to pay when the bill of exchange expires
Verse 190 : Which of the following is the correct one about signing an end of draft?
A. Signing of a draft of a bill of exchange is signed after the bill of exchange has been transferred to the
assignee.
B. Signing of a draft is an ultimatum that requires the payer to pay it off at once.
C. Signing of a draft of a bill of exchange is a sign on the back of a bill of exchange for the
purpose of assigning a beneficiary to the assignee.
D. There is no correct statement
Question 209 : Which of the following statements is exactly the advantage of a money transfer payment
method?
A. The postpay remittance method is more beneficial to the importer than the exporter.
B. The postpay remittance method is more beneficial to the exporter than the importer.
C. The prepaid remittance method is more favorable to the importer than the exporter.
D. Both A, B, C are wrong
Question 191 : Which of the following statements is accurate about the characteristics of the smooth
collection payment method?
A. With the smooth collection payment method, the exporter can receive the money without delivering the
goods to the importer.
B. With the smooth collection method, the importer can receive the goods without paying the
exporter.
C. With the smooth collection method, the importer has to pay to receive the goods from the exporter.
D. With the smooth collection payment method, the exporter must receive the money to deliver the goods
to the exporter.
Question 192 : Which of the following statements is accurate about the characteristics of the voucher
credit payment method?
A. With the documentary credit payment method, the importer is the one who undertakes to pay
the exporter.
B. With the documentary credit payment method, the bank serving the importer is the person who
undertakes to pay the exporter.
C. With the documentary credit payment method, the service bank of the importer is the person who
commits to pay the export service bank.
D. With the documentary credit payment method, the importer is the person who commits to pay the
export bank.
Question 193 : Why do commercial banks need to develop foreign currency trading in addition to
traditional credit and payment operations?
A. Because foreign currency trading is less risky
B. Because foreign currency trading makes a lot of profits
C. Because foreign currency trading enables the bank to diversify its revenue sources and
conduct foreign currency-related business operations.
D. All of the above are correct
Question 194 : What functions can a commercial bank perform in foreign currency trading?
A. Be a trader and a broker
B. Be a speculator and arbitrage trader
C. All answers are correct
D. All answers are not correct
Question 195 : In developed countries, what foreign currency trading transactions can commercial banks
do?
A. Forward transactions, swaps and futures transactions
B. Futures, Futures and Options Trading
C. Both A and B are correct
D. Both A and B are wrong
Question 196 : Who is the decision of the lending interest rate of commercial banks?
A. Decided by the Central Bank
B. Developed by commercial banks and submitted to the Central Bank for decision
C. Built by commercial banks.
D . As regulated by each commercial bank
Question 197: Who is the refinance interest rate?
A. Determined by the customer together with the commercial bank
B. As regulated by commercial banks
C. By the same regulations of commercial banks
D. As regulated by the Central Bank
Question 198: Is the discount interest rate for valuable papers of customers (not the credit institution)
regulated?
A. As regulated by the Central Bank
B. As regulated by each commercial bank
C. jointly determined by commercial banks
D. Developed by commercial banks and submitted to the Central Bank for approval
Question 199 : Who is regulated by the central bank's rediscount interest rate for valuable papers?
A. Determined by the commercial bank and its customers
B. As regulated by commercial banks
C. jointly determined by commercial banks
D. Decided by the Central Bank .
Question 200 : Which of the following statements about a swap contract is correct?
A. Both meet the current payment needs and both the payment needs and the future foreign
exchange risk prevention.
B. Both meet the demand for payment and hedge foreign exchange risks at the moment and satisfy the
payment needs in the future.
C. Both meet the current payment needs and the need to hedge foreign exchange risks in the future.
D. Both meet the current demand for payment and hedge for foreign exchange risks, and also meet the
need to hedge foreign exchange risks in the future.
Question 201 : How can interest rate risks arise in the operations of commercial banks?
A. The bank has a portfolio of fixed-rate funding, while a portfolio of loans and investments at floating
rates.
B. The bank has a portfolio of floating-rate funding, while a portfolio of loans and investments at fixed
interest rates.
C. Both A and B are false
D. Both A and B are correct
Question 202 : Which of the following statements most accurately reflects the activities that commercial
banks are allowed to perform under the provisions of the Law on Credit Institutions?
A. Credit activities, treasury payment services, other activities such as capital contribution, share
purchase, participation in the money market, foreign exchange trading, gold trading, real estate
business, and services and insurance, fiduciary and agency services, consulting services and
other services related to banking operations.
B. Capital mobilization, credit, treasury payment service.
C. Capital mobilization, credit, treasury payment service, other activities such as capital contribution,
share purchase, money market participation, foreign exchange trading, gold trading, real estate real.
D. Credit activities, payment services, treasury, other activities such as capital contribution, share
purchase, money market participation, foreign exchange trading, gold trading, real estate trading, services
and insurance, fiduciary and agency services, consulting services and other services related to banking
activities.
Question 203 : In which cases are syndicated loans of commercial banks applied?
A. The borrower lacks working capital; medium and long-term capital
B. A borrower is not eligible to borrow from a regulated commercial bank.
C. Both A and B
D. The need to borrow from a customer exceeds the maximum limit for loans of commercial
banks; or beyond the capacity of commercial banks' capital resources; or due to the need to
disperse risks of commercial banks.
Question 204 : Does the Law on Credit Institutions have any regulations on safety for the operation of
commercial banks?
A. Commercial banks must set up a compulsory reserve fund, a risk reserve fund and maintain
safety ratios according to regulations.
B. Commercial banks must set up a compulsory reserve fund and maintain prudential ratios according to
regulations.
C. Commercial banks must set up compulsory reserve fund according to regulations
D. Commercial banks must set up a compulsory reserve fund and a risk reserve fund according to
regulations
Question 205 : What methods of factoring can a factor use?
A. Single factoring, limit factoring and co-factoring
B. Single factoring, co-factoring.
C. Limit factoring, co-factoring.
D. Single factoring and co-factoring.
Question 206 : In order to make payment via bank, what basic conditions must a customer have?
A. The customer must have an account at the bank, the account must have sufficient balance to
make the payment, if not by the bank for a certain overdraft limit, it must comply with the payment
regulations set forth by the Bank The State promulgates and documents guiding the payment of
commercial banks
B. Customers must have an account at a bank, an account must have sufficient balance to make the
payment and must have the payment regulation issued by the State Bank.
C. The customer must have an account at the bank, the account must have sufficient balance to make the
payment, otherwise the bank has to give a certain overdraft limit.
D. Customers must have an account at the bank.
Question 207 : How does the Law on Credit Institutions and its sub-laws allow commercial banks to raise
capital?
A. Receiving deposits from organizations, individuals and other credit institutions; issuing
certificates of deposit, bonds and other valuable papers; borrowing capital from other credit
institutions operating in Vietnam and from foreign credit institutions; to borrow short-term loans
from the State Bank.
B. Receiving deposits from organizations, individuals and other credit institutions; issuing certificates of
deposit, bonds and other valuable papers; borrow capital from other credit institutions operating in
Vietnam and foreign governments.
C. Receiving deposits from organizations, individuals and other credit institutions; issuing certificates of
deposit, bonds and other valuable papers; to borrow short-term loans from the State Bank.
D. All answers are correct
Question 208: What is the difference between the current liquidity ratio and the quick ratio?
A. The current liquidity ratio only measures the solvency of the business immediately, while the fast
liquidity ratio can measure the solvency of the business quickly.
B. The current liquidity ratio does not take inventory into account as an asset to pay off debt, while the
quick ratio does not.
C. The firm's current liquidity ratio at one point in time is always greater than the rapid liquidity ratio at that
point in time.
D. Only A is wrong, both B and C are correct.
Question 209 : If a commercial bank lends a loan to a customer under an investment project, does the
customer have to pledge assets or mortgage assets?
A. Customers must have collateral but not collateral.
B. The customer must mortgage the property without pledging the property
C. Customers do not have to pledge and mortgage assets.
D. Can pledge property or mortgage property; or may not have to pledge or mortgage property.
Question 210 : How can bank guarantees be performed?
A. Issuing letters of guarantee, confirming the guarantee, and signing the guarantee confirmation
on bills of exchange and promissory notes.
B. Issuing letter of guarantee, confirmation of guarantee
C. Confirmation of guarantee, sign the guarantee confirmation on bills of exchange and money order.
D. Issuing letters of guarantee, signing guarantee confirmation on bills of exchange and money order.
Question 211:
At a joint stock commercial bank A has the following data: (annual average - billion dong;
average interest rate -%)

Property Interest Debt Interest

Surplus Surplus
has rate assets rate

- Short- Funding 400

term 400 9% for £ 12
liability months

- Medium Mobilize 100

and long- d
term loans 200 11.6% capital>
12
months

Securities Other 300

200 6%
investment loans

- Other Equity 50
properties and
50
funds
(equity)

Request: Banks must raise capital with the average cost-to-pay ratio to achieve 10% equity
return (ROE). Know that the income tax rate is 28%; receipts by other expenses.
Answer: A. 8, 03%
B. 8.20%
C. 8.10%
D. 8.40%
Question 212:
The capital mobilization of a commercial bank X is as follows (unit: million VND)

- Bank deposits 160,000

In which: + Demand 100,000

deposit

+ £ 12 month term 30,000

deposit

+ Term deposits> 12 30,000

months

- Saved money 150,000

In which: + Demand 60,000

deposit

+ £ 12 month term 50,000

deposit

+ Term deposits> 12 40,000

months

- Proceeds from issuing 70,000

short term deposit
certificates

- Money of the state 150,000

treasury
Request: Determining the amount of money the bank must reserve required in the period (May
2005).
Assumptions: State Bank of Vietnam prescribes compulsory reserve for short term deposit (£ 12
months) as 5%; term deposits (> 12 months) 4%;
Answer: A. 26,000 million
B. 25,800 million
C. 24,800 million
D. 26,800 million
Question 213:
The capital mobilization of a commercial bank X is as follows (unit: million VND)
- Bank deposits 160,000

In which: + Demand deposit 100,000

+ £ 12 month term deposit 30,000

+ Term deposits> 12 months 30,000

- Saved money 150,000

In which: + Demand deposit 60,000

+ £ 12 month term deposit 50,000

+ Term deposits> 12 months 40,000

- Proceeds from issuing short term deposit certificates 70,000

- Money of the state treasury 150,000

Request: Commercial Bank X deposited an amount of 30.000 million VND in compulsory reserve at the
State Bank in May 2005, calculating how much the compulsory reserve amount in May 2005 was in
excess or in shortage.
Answer: A. Excess 4,300 million
B. Excess 4,100 million
C. Excess 4,400 million
D.Excess 4,200 million
Question 214:
Suppose that the State Bank has set an average required reserve ratio of 5% and that commercial bank Y
has an average daily deposit balance of VND 880,000 million per day in February 2005; The actual
deposit balance of commercial bank Y at the State Bank in March 2005 was: (unit: million dong).

Request:
Determining the amount of excess (lack) compulsory reserve in March 2005 of
commercial banks?

Day Surplus

first 25,000

25,000

3-9 27,000

10 - 21 28,000
22 28,500

23 - 26 28,700

27 28,900

28 28,600

29 28,500

30 28,400

thirty 28,600
first

Answer: A. Missing 16 216

B. Missing 16 316
C. Missing 16 416
D. Missing 17 416
Question 215:
Suppose that the State Bank has set an average required reserve ratio of 5% and that commercial bank Y
has an average daily deposit balance of VND 880,000 million per day in February 2005; The actual
deposit balance of commercial bank Y at the State Bank in March 2005 was: (unit: million dong).

Request:
Calculate the interest that Bank Y is entitled to on the excess compulsory reserve
amount or the amount of interest payable on the amount of the reserve required to
deposit inadequate.
Knowing that the interest rate that will be entitled to deposit over required reserves is
0.7% / month, the penalty interest rate for short of compulsory reserves is equal to
150% of the loan interest rate (current lending rate is 1% /month).

Day Surplus

first

25,000

2 25,000

3-9 27,000

10 - 21 28,000

22 28,500
23 - 26 28,700

27 28,900

28 28,600

29 28,500

30 28,400

thirty 28,600
first
Answer: The amount of interest is paid
A. 244.34
B. 245.34
C. 243.24
D. 246.34
Question 216:A bank A has the following capital situation:
Unit: Billion VND

Capital type Balance b / q Deposit rate Other costs

1. Deposits for economic organizations 100 3% 5%

- Deposit payment

Demand deposit (non-transaction) 100 4% 3%

- Term deposits 300 7% 2%

2. Deposits from residents

- Deposit payment 100 3% 5%

- Saved money 400 6% 2%

3. Borrowing capital 200 8% first%

4. Equity 80 20% 0%

Request:Determining the weighted average cost of capital for the entire commercial bank's business
capital source?
Answer: A. 9,0100%
B. 9.0625%
C. 9,0200%
D. 9,0300%
Question 217:
A bank A has the following capital situation:
Unit: Billion VND

Capital type Balance b / q Deposit rate Other costs

1. Deposits for economic organizations 100 3% 5%

- Deposit payment

Demand deposit (transaction fee) 100 4% 3%

- Term deposits 300 7% 2%

2. Deposits from residents

- Deposit payment 100 3% 5%

- Saved money 400 6% 2%

3. Borrowing capital 200 8% first%

4. Equity 80 20% 0%

Request:What is the break-even cost ratio for external sources if profitable assets account for 70% of the
capital raised from the outside?
Answer: A. 10.9%
B. 12.9%
C. 13.9%
D. 11.9%
Question 218:
On June 13, 2005, a commercial bank received a listing enclosed with enterprise N's voucher of
application for a discount as follows:
Unit: million dong

License Amount of Release date Date of maturity

money

Bill of exchange for debt 60 April 30, 2005 July 30, 2005
collection 003

Treasury Bills 30 April 15, 2005 July 15, 2005

Bill of exchange for debt 15 May 14, 2005 August 14, 2005
acknowledgment 001

Treasury bonds 50 July 20, 2000 July 20, 2005

Bill of exchange for debt 36 March 20, 2005 June 30, 2005
collection 005

Bill of exchange to accept 40 1/6/2005 October 1, 2005

debt 002

Request:Determine which documents are not eligible for the discount?

Know that:
- The Bank has enough capital to meet customers' borrowing needs
- Enterprise N is a trusted customer with the bank; the economic content of the discount vouchers
ensures good; The discounted vouchers must have a minimum payment term of 20 days and a maximum
of 90 days to be valid
- The bank implemented discount on June 15, 2005
Answer: A. Document 003 is not eligible for the discount
B. Vouchers 005 and 002 are not eligible for the discount
C. Voucher 001 is not eligible for the discount
D. Treasury bonds and treasury bills are not eligible for depreciation
Question 219:
On June 13, 2005, a commercial bank received a listing enclosed with enterprise N's voucher of
application for a discount as follows:
Unit: million dong

License Amount of Release date Date of maturity

money

Bill of exchange for debt 60 April 30, 2005 July 30, 2005
collection 003

Treasury Bills 30 April 15, 2005 July 15, 2005

Bill of exchange for debt 15 May 14, 2005 August 14, 2005
acknowledgment 001

Treasury bonds 50 July 20, 2000 July 20, 2005

Bill of exchange for debt 36 March 20, 2005 June 30, 2005
collection 005

Bill of exchange to accept debt 40 1/6/2005 October 1, 2005

002
Request:
Determines the maximum level of a bank loan by discounting the documents that the bank accepts to pay
off company N.
Know that:
- The Bank has enough capital to meet customers' borrowing needs.
- Discount rate is 9% per year; endorsement commission rate 0.6% per year; Fixed fee commission is
VND 15,000 per voucher.
- The maximum discount limit for this business is VND 150,000,000 and currently the customer's discount
account balance is VND 60,000,000.
- Enterprise N is a trusted customer with the bank; the economic content of the discount vouchers
ensures good; The discounted vouchers must have a minimum payment term of 20 days and a maximum
of 90 days to be valid
- The bank implemented discount on June 15, 2005
Answer:A. 100 million
B. 88 million
C. 89,200 million
D. 89,010 million
Question 220:
On August 15, 2005, a company X came to Commercial Bank A to request a discount of the following
valuable papers:
Unit: million dong

Type of document Denominations Date of maturity

Bill of exchange number 1 6

Bill of exchange number 2 6 October 14, 2005

Bill of exchange number 3 6 October 31, 2005

Bill of exchange number 4 15 September 28, 2005

Bill of exchange number 5 15 September 28, 2005

total 48
After discounting on August 15, 2005, Bank A earns VND 612,000
Request:
- Determination of the maturity date of draft No. 1
Know that: The discount rate is 8.5% per annum; all bills of exchange are eligible for the discount; The
bank has enough money for the loan and does not collect commissions on discounts.
Answer: A. 29/10/05
B. 30/10/05
C. 31/10/05
D. 28/10/05
Question 221:
On August 15, 2005, a company X came to Commercial Bank A to request a discount of the following
valuable papers:
Unit: million dong

Type of document Denominations Date of maturity

Bill of exchange number 1 6

Bill of exchange number 2 6 October 14, 2005

Bill of exchange number 3 6 October 31, 2005

Bill of exchange number 4 15 September 28, 2005

Bill of exchange number 5 15 September 28, 2005

total 48
After discounting on August 15, 2005, Bank A earns VND 612,000
Request:
- Determine how much money bank A lends to enterprise X?
Know that: The discount rate is 8.5% per annum; all bills of exchange are eligible for the discount; The
bank has enough money for the loan and does not collect commissions on discounts.

Answer: A. 48,388 million

B. 47,388 million
C. 46,388 million
D. 49 mil
Question 222:
On April 10, 2006, a business came to Commercial Bank to apply for a discount of 3 bills of exchange to
collect debt:
- Bill of exchange No. 1 has par value of 480 USD and maturity date is 5/10/2006
- Bill of exchange No. 2 has a par value of $ 720 and its maturity date is May 30, 2006
- The 3-day bill of exchange matures on June 29, 2006. Three bills of exchange are discounted at the
date of application for the discount. The residual value of three bills of exchange after deducted by Bank
Y is USD 1788.
- Discount rate is 15%, endorsement commission for each bill of exchange is 0.6% per annum; all other
fees for all 3 bills of exchange are 76.48 USD.
Request:
- Determination of bill of exchange number 3
Answer: A. »720USD
B. »712.9
C. »713.9
D.710.9
Question 223:
A joint stock commercial bank signs a credit limit with borrower A under a credit contract of 100 billion
VND, the loan term is 1 year (from January 2, 2005 - January 2, 2006); Loan interest rate applied at the
time of capital withdrawal. Credit contract includes 2 loans:
The first loan: VND 30 billion to import electrical equipment with loan term of 6 months on March 26,
2005.
The second loan: VND 70 billion for computer input, 4-month loan term on 1 June 2005.
As of June 20, 2005, customers who pre-pay debts agreed on the amount of VND 60 billion. The
customer requests to repay the first loan of 30 billion; pay a part of the second loan is 30 billion. Know
that the interest rate for the 1st loan is 8.4% per annum and the second is 7.2% per annum.
Request:
Calculate the interest earned at the time of repayment.
Answer:
A. 720 million
B. 718 p
C. 716 million
D. 719 million
Question 224:A company Z comes to commercial bank N to supplement working capital under the
method of lending according to credit lines. The fourth quarter of 2005 has the following figures (unit:
million dong)
a. The data on the loan account based on the credit limit of the fourth quarter of 2005 are:
- Opening balance: 900
- Transactions arising

Day month Year Loan amount Debt collection amount

10/10/2005 100 300

October 20, 2005 100 150

October 31, 2005 200 250

November 16, 2005 100 150

November 20, 2005 100 100

November 30, 2005 150 150

December 19, 2005 100 150

December 26, 2005 200 100

December 31, 2005 300 -
b. Loan interest rate is 1.2% per month according to agreement.
c. Businesses to pay monthly loans are calculated and collected at the end of the month
Request:Determine the amount of interest the business must pay in October?
Answer: A. 10,845160 p
B. 11,845160 million
C. 9,845160 million
D. 8,845160 million
Question 225:
A company Z comes to commercial bank N to supplement working capital under the method of lending
according to credit lines. The fourth quarter of 2005 has the following figures (unit: million dong)
a. The data on the loan account based on the credit limit of the fourth quarter of 2005 are:
- Opening balance: 900
- Transactions arising

Day month Year Loan amount Debt collection amount

10/10/2005 100 300

October 20, 2005 100 150

October 31, 2005 200 250

November 16, 2005 100 150

November 20, 2005 100 100

November 30, 2005 150 150

December 19, 2005 100 150

December 26, 2005 200 100

December 31, 2005 300 -

b. Loan interest rate is 1.2% per month according to agreement.
c. Businesses to pay monthly loans are calculated and collected at the end of the month
Request:Determine the amount of interest the business must pay in November?
Answer:
A. 7.9 p
C. 8,9 million
D. 0.9 million
Question 226:
A company Z comes to commercial bank N to supplement working capital under the method of lending
according to credit lines. The fourth quarter of 2005 has the following figures (unit: million dong)
a. The data on the loan account based on the credit limit of the fourth quarter of 2005 are:
- Opening balance: 900
- Transactions arising

Day month Year Loan amount Debt collection amount

10/10/2005 100 300

October 20, 2005 100 150

October 31, 2005 200 250

November 16, 2005 100 150

November 20, 2005 100 100

November 30, 2005 150 150

December 19, 2005 100 150

December 26, 2005 200 100

December 31, 2005 300 -

b. Loan interest rate is 1.2% per month according to agreement.
c. Businesses to pay monthly loans are calculated and collected at the end of the month
Request:Determine the amount of interest the business must pay in December?
Answer:
Question 227:
A company Z comes to commercial bank N to supplement working capital under the method of lending
according to credit lines. The fourth quarter of 2005 has the following figures (unit: million dong)
a. The data on the loan account based on the credit limit of the fourth quarter of 2005 are:
- Opening balance: 900
- Transactions arising

Day month Year Loan amount Debt collection amount

10/10/2005 100 300

October 20, 2005 100 150

October 31, 2005 200 250

 November 16, 2005 100 150

November 20, 2005 100 100

November 30, 2005 150 150

December 19, 2005 100 150

December 26, 2005 200 100

December 31, 2005 300 -

b. Loan interest rate is 1.2% per month according to agreement.
c. Businesses to pay monthly loans are calculated and collected at the end of the month
Request:Determining the average real interest rate of three months?
Answer:
A. 1.27%
B. 1.3%

1. 1.25%
2. D. 1.17%

Question 228:A company Z comes to commercial bank N to supplement working capital under the
method of lending according to credit lines. The fourth quarter of 2005 has the following figures (unit:
million dong)
a. The data on the loan account based on the credit limit of the fourth quarter of 2005 are:
- Opening balance: 900
- Transactions arising

Day month Year Loan amount Debt collection amount

10/10/2005 100 300

October 20, 2005 100 150

October 31, 2005 200 250

November 16, 2005 100 150

November 20, 2005 100 100

November 30, 2005 150 150

December 19, 2005 100 150

December 26, 2005 200 100

December 31, 2005 300 -

b. Loan interest rate is 1.2% per month according to agreement.
c. Businesses to pay monthly loans are calculated and collected at the end of the month
Request:What is the minimum limit of TD limit for quarter 4/2005?
Answer:
A. 800
B. 850
C. 900
D. 950
Question 229:
A company in need of a loan to improve its submission technique to bank X with the following figures.
- Total cost estimate: 900,000,000 VND
- Equity capital contributed by companies: 40%
- The construction period is 5 months from February 1, 2004
- Loans are fully withdrawn once on March 1, 2004
- Debt repayment term: 18 months
- Repayment term: 1 month
- Trial production period: 3 months
- Interest rate: 12% per year
- Fixed asset depreciation rate: 10% per year
Request:Determine the loan term
Answer:
A. 24 months
B. 23 months
C. 25 months
D. 26 months
Question 230:
A company in need of a loan to improve its submission technique to bank X with the following figures.
- Total cost estimate: 900,000,000 VND
- Equity capital contributed by companies: 40%
- The construction period is 5 months from February 1, 2004
- Loans are fully withdrawn once on March 1, 2004
- Debt repayment term: 18 months
- Repayment term: 1 month
- Trial production period: 3 months
- Interest rate: 12% per year
- Fixed asset depreciation rate: 10% per year
Request:What is the minimum annual efficiency achieved
Answer
A. 306 million
B. 307 million
D. 308 million
Question 231:
A company in need of a loan to improve its submission technique to bank X with the following figures.
- Total cost estimate: 900,000,000 VND
- Equity capital contributed by companies: 40%
- The construction period is 5 months from February 1, 2004
- Loans are fully withdrawn once on March 1, 2004
- Debt repayment term: 18 months
- Repayment term: 1 month
- Trial production period: 3 months
- Interest rate: 12% per year
- Fixed asset depreciation rate: 10% per year
Request: Calculate the amount of interest payable for the first term
Answer:
A. 5 million
B. 5,4 million
C. 6.4 million
D. 4,4 million
Question 232
The utility company has a need to borrow capital each time to perform a contract to sign and install
equipment with a contract value of VND 4550 million (the contract ensures there is a solid source of
payment, so there is no need to mortgage asset)
Contract implementation time starts from 1/6/2005 and to 1/10/2005 to hand over. Party A advances the
capital to the company at 1500 million dong. The balance will be paid after 1 month of handing over the
project.
On May 29, 2005 the company presented a contract signed to buy equipment worth VND 4000 million
and must pay within the month.
Know that:
- Equity capital of the company that can participate: 500 million VND
- Total cost for transportation and installation: 350 million VND
- Interest rate 0.8% per month.
Request:Determine the maximum loan amount
Answer:
A. 2.350 million;
B. 2450 million;
C. 2550 million;
D. 2650 million
Question 233
The utility company has a need to borrow capital each time to perform a contract to sign and install
equipment with a contract value of VND 4550 million (the contract ensures there is a solid source of
payment, so there is no need to mortgage asset)
Contract implementation time starts from 1/6/2005 and to 1/10/2005 to hand over. Party A advances the
capital to the company at 1500 million dong. The balance will be paid after 1 month of handing over the
project.
On May 29, 2005 the company presented a contract signed to buy equipment worth VND 4000 million
and must pay within the month.
Know that:
- Equity capital of the company that can participate: 500 million VND
- Total cost for transportation and installation: 350 million VND
- Interest rate 0.8% per month.
Request:Determine the maximum loan term
Answer:
A. 5 months
B. 6 months
C. 4.5 months
D. 5.5 months
Question 234
The utility company has a need to borrow capital each time to perform a contract to sign and install
equipment with a contract value of VND 4550 million (the contract ensures there is a solid source of
payment, so there is no need to mortgage asset)
Contract implementation time starts from 1/6/2005 and to 1/10/2005 to hand over. Party A advances the
capital to the company at 1500 million dong. The balance will be paid after 1 month of handing over the
project.
On May 29, 2005 the company presented a contract signed to buy equipment worth VND 4000 million
and must pay within the month.
Know that:
- Equity capital of the company that can participate: 500 million VND
- Total cost for transportation and installation: 350 million VND
- Interest rate 0.8% per month.
Request:Calculate the interest payable on the loan according to the maximum loan term.
Answer
A. 95 million
B. 96 million
C. 93 million
D. 94 million
Question 235
A company applies for a technical improvement loan at Bank A and provides it with the following data:
- Total cost estimate: 2,200 million
- Capital contributed by the company: 2,000 million
- Estimated economic efficiency is 120 million VND annually, leaving 1.7% for company fund to be set
aside for debt repayment.
- Rate of depreciation of fixed assets is 10% per year
- Construction time is 3 months starting 1/2/2004
- First loan receipt date 1/3/22004
Request:The company's ability to repay the loan monthly by project
Answer:
A. 11.53 million
B. 12.53 million
C. 13.53 million
D. 14.53 million.
Question 236
A company applies for a technical improvement loan at Bank A and provides it with the following data:
- Total cost estimate: 2,200 million
- Capital contributed by the company: 2,000 million
- Estimated economic efficiency is 120 million VND annually, leaving 1.7% for company fund to be set
aside for debt repayment.
- Rate of depreciation of fixed assets is 10% per year
- Construction time is 3 months starting 1/2/2004
- First loan receipt date 1/3/22004
Request:Determine the loan term.
Answer:

A. 22.34 months;
B. 21.34 months

C. 24.34 months.

D. 19.34 months
Question 237
A company applies for a technical improvement loan at Bank A and provides it with the following data:
- Total cost estimate: 2,200 million
- Capital contributed by the company: 2,000 million
- Estimated economic efficiency is 120 million VND annually, leaving 1.7% for company fund to be set
aside for debt repayment.
- Rate of depreciation of fixed assets is 10% per year
- Construction time is 3 months starting 1/2/2004
- First loan receipt date 1/3/22004
Request:If Bank A only decides the loan term is 18 months, what is the loan amount for this project?
know that, according to the company's borrowing data, Bank A calculates the loan amount as 200 million
and the loan term of that loan is 19.34 months.
Answer:
A. 167.69 million

B. 168.69 million

C. 169; 69 million
D. 186.14 million.
Question 238
Company X sends an application to Bank A to apply for a fixed loan to expand production and business in
March 2005. After evaluating the investment project, the bank and company have agreed on the following
figures:
- Total investment capital for the project implementation: 3190 million VND
- Equity capital of the company participating in the project is equal to 35% of the total investment capital
for the project
- Other capital sources involved in the project are 350 million VND.
- Value of collateral is VND 2,800 million
- The company's annual profit after implementing the project is VND 1276 million, an increase of 30%
compared to before the project.
Request:Determining the level of loan for the project?
Know that: All additional profits earned are used to pay debts and an annual depreciation rate of 20%.
Answer:
A. 1723.5 million
D. 1722.5 million
Question 239
Company X sends an application to Bank A to apply for a fixed loan to expand production and business in
March 2005. After evaluating the investment project, the bank and company have agreed on the following
figures:
- Total investment capital for the project implementation: 3190 million VND
- Equity capital of the company participating in the project is equal to 35% of the total investment capital
for the project
- Other capital sources involved in the project are 350 million VND.
- Value of collateral is VND 2,800 million
- The company's annual profit after implementing the project is VND 1276 million, an increase of 30%
compared to before the project.
Request:What is the loan term for the project.
Know that: All additional profits earned are used to pay debts and an annual depreciation rate of 20%.
Answer: A. 2 years 6 months 10 days
B. 2 years 5 November days
C. 2 years, November 8 days
D. 2 years 7 months 10 days
Question 240
An enterprise makes an estimate of a bank loan and an estimate approved by the superior is 10,000
million dong to expand production; The expected annual economic efficiency obtained from the project is
VND 300 million. Among them, 85% are spent to repay bank loans. Know that the fixed asset
depreciation rate is 15% per year; other debt repayment sources are 50 million dong / year; 6 months
construction period; 5-year loan period; Loan money is generated from the first day of construction.
Request:- Determine the amount of capital a bank can lend to the business.
Answer: Bank lending:
C. 4,223 million
D. 4,222 million.
Question 241
Company N comes to commercial bank A to apply for a loan with a total estimate of VND 600 million of
equity capital of the company participating in 50%. The company expects:
- Annual economic efficiency obtained: 150 million VND, of which 60% is used to repay bank debts.
- Annual depreciation rate: 20% per year
- Other sources used to repay 30 million / year. Know that the company received a full loan on May 15,
2004. The Bank and the company agree that the repayment period is 1 month, the first repayment term is
2 months from the date of receiving money.
Request:Determine the loan term
Answer:
A. 22 months
B. 20 months
C. 21 months
D. 23 months.
Sentence 242: Company N comes to commercial bank A to apply for a loan with a total estimate of VND
600 million, 50% of its equity capital. The company expects:
- Annual economic efficiency obtained: 150 million VND, of which 60% is used to repay bank debts.
- Annual depreciation rate: 20% per year
- Other sources used to repay 30 million / year. Know that the company received a full loan on May 15,
2004. The Bank and the company agree that the repayment period is 1 month, the first repayment term is
2 months from the date of receiving money.
Request:Calculate the final loan term.
Answer:
A. February 15, 2006
B. March 15, 2006
D.15 / 5/2006
Question 243
Company N comes to commercial bank A to apply for a loan with a total estimate of VND 600 million of
equity capital of the company participating in 50%. The company expects:
- Annual economic efficiency obtained: 150 million VND, of which 60% is used to repay bank debts.
- Annual depreciation rate: 20% per year
- Other sources used to repay 30 million / year. Know that the company received a full loan on May 15,
2004. The Bank and the company agree that the repayment period is 1 month, the first repayment term is
2 months from the date of receiving money.
Request:Calculating the amount of the first repayment (both principal and interest) shows the interest
rate of 1.1% a month.
Answer:
A. 15,495 million
B. 16,495 million
C. 17,495 million
D. 18,495 million
Question 244
Company N comes to commercial bank A to apply for a loan with a total estimate of VND 600 million of
equity capital of the company participating in 50%. The company expects:
- Annual economic efficiency obtained: 150 million VND, of which 60% is used to repay bank debts.
- Annual depreciation rate: 20% per year
 - Other sources used to repay 30 million / year. Know that the company received a full loan on May 15,
2004. The Bank and the company agree that the repayment period is 1 month, the first repayment term is
2 months from the date of receiving money.
Request:If the maximum loan period is 15 months, how much money can the bank lend. Knowing that,
according to the data of the company applying for a loan, Bank A calculates the loan amount as 300
million with a loan term of 22 months.
Answer:
A. 204.54 million
B. 206.54 million
C. 207.54 million
D. 205.54 million
Question 245
On September 28, 2005, a company sent to commercial bank M application for loan to implement
business plan in quarter 4/2005. After consideration, the bank and company agree on the situation as
follows:
- The collateral is worth VND 6,000 million
- Total cost for the business plan of the company is: 12,000 million VND
Commercial banks calculate and have enough capital to lend the company according to the total cost the
company is expected to borrow. The total estimated cost of applying for a loan is 1.5% of the total capital
of NH M. The plan to balance business capital of NH M has the following details:
Unit: million dong

Use of funds Capital

1. Treasury operations 1. Mobilized capital:

- Reserve requirement + Mobilized less than 24 months
- Solvency guarantee fund + Mobilized over 24 months
2. Credit business: 210,520 Borrowing capital: 18600
3. Other capital transactions: 465,480 3. Equity: 31400
Of which, capital mobilized for less than 24 months accounts for 70% of the total mobilized capital; in the
operation of the treasury (the source of the fund), the compulsory reserve accounts for 40% of the total
resource.
Know that:
- Commercial Bank M usually makes a guaranteed loan equal to 70% of the value of the collateral.
- The capital borrowing company has an equity capital of VND 4,000 million in business and has to
borrow at a commercial bank N with an additional capital of VND 3,000 million.
Request:Calculate the maximum loan amount of commercial bank M.
Answer:

1. 4,200 million

B. 4,100 million
1. 4300 million
2.

Question 246
On September 28, 2005, a company sent to commercial bank M application for loan to implement
business plan in quarter 4/2005. After consideration, the bank and company agree on the situation as
follows:
- The collateral is worth VND 6,000 million
- Total cost for the business plan of the company is: 12,000 million VND
Commercial banks calculate and have enough capital to lend the company according to the total cost the
company is expected to borrow. The total estimated cost of applying for a loan is 1.5% of the total capital
of NH M. The plan to balance business capital of NH M has the following details:
Unit: million dong

Use of funds Capital

1. Treasury operations 1. Mobilized capital:

- Reserve requirement + Mobilized less than 24 months
- Solvency guarantee fund + Mobilized over 24 months
2. Credit business: 210,520 Borrowing capital: 18600
3. Other capital transactions: 465,480 3. Equity: 31400
Of which, capital mobilized for less than 24 months accounts for 70% of the total mobilized capital; in the
operation of the treasury (the source of the fund), the compulsory reserve accounts for 40% of the total
resource.
Know that:
- Commercial Bank M usually makes a guaranteed loan equal to 70% of the value of the collateral.
- The capital borrowing company has an equity capital of VND 4,000 million in business and has to
borrow at a commercial bank N with an additional capital of VND 3,000 million.
Request:Calculate the required reserve ratio.
Answer:
A. 7.6%
B. 8.6%
C. 6.6%

1. 9.6%

Question 247
On September 28, 2005, a company sent to commercial bank M application for loan to implement
business plan in quarter 4/2005. After consideration, the bank and company agree on the situation as
follows:
- The collateral is worth VND 6,000 million
- Total cost for the business plan of the company is: 12,000 million VND
 Commercial banks calculate and have enough capital to lend the company according to the total cost the
company is expected to borrow. The total estimated cost of applying for a loan is 1.5% of the total capital
of NH M. The plan to balance business capital of NH M has the following details:
Unit: million dong

Use of funds Capital

1. Treasury operations 1. Mobilized capital:

- Reserve requirement + Mobilized less than 24 months
- Solvency guarantee fund + Mobilized over 24 months
2. Credit business: 210,520 Borrowing capital: 18600
3. Other capital transactions: 465,480 3. Equity: 31400
Of which, capital mobilized for less than 24 months accounts for 70% of the total mobilized capital; in the
operation of the treasury (the source of the fund), the compulsory reserve accounts for 40% of the total
resource.
Know that:
- Commercial Bank M usually makes a guaranteed loan equal to 70% of the value of the collateral.
- The capital borrowing company has an equity capital of VND 4,000 million in business and has to
borrow at a commercial bank N with an additional capital of VND 3,000 million.
Request:The guarantee of solvency of bank M must be performed in the fourth quarter of 2005.
Answer:
A. 10.9%;
B. 11.9%;
C. 12.9%;

1. 9.9%

Question 248:Commercial bank X, which trades in foreign currencies, lists the following exchange rates:
USD / CAD = 1.5288 / 94
USD / JPY = 137.74 / 80
GBP / USD = 1.7079 / 83
Determine the exchange rate that Bank X applies when: Customer buys CAD and sells CAD in JPY
Answer: CAD / JPY = A. (137.74: 1.5294) / (137.80: 1.5288)
B. (137.74: 1.5288) / (137.80: 1.5294)
C. (137.80: 1.5294) / (137.74: 1.5288)
D. (1,5294: 137.74) / (1,5288: 137.80)
Question 249:Commercial bank X, which trades in foreign currencies, lists the following exchange rates:
USD / CAD = 1.5288 / 94
USD / JPY = 137.74 / 80
GBP / USD = 1.7079 / 83
Determine the exchange rate that Bank X applies when: Customer buys GBP and sells GBP in JPY.
Answer: GBP / JPY = A. (1,7083 × 137.80) / (1.7079 × 137.74)
B. (1,7079 × 137.74) / (1,7083 × 137.80)
C. (1,7079 × 137.80) / (1,7083 × 137.74)
D. (1,7083 × 137.74) / (1,7079 × 137.80

Question 250
Assume the spot rate of two currencies GBP / USD = 1.6280 / 90
6-month USD interest rate: 5% - 5%
GBP 6-month interest rate: 7% - 7%
Request:Determine the GBP and USD swap rate.
Answer:
GBP / USD swap = A.147 / 118;
B. 146/118;
C. 145/117;
D. 144/116.
Question 251:
Assume the spot rate of two currencies GBP / USD = 1.6280 / 90
6-month USD interest rate: 5% - 5%
GBP 6-month interest rate: 7% - 7%
Request:Futures rates of GBP and USD.
Answer: GBP / USD forward rate =
A. 1,6134 / 1,6173;
B. 1,6136 / 1,6176;
C. 1,6146 / 1,6174;
D. 1,6133 / 1,6172.
Question 252
In a market with the following rates listed:
GBP / USD = 1.6825 / 35
AUD / USD = 0.665 / 70
USD / HKD = 8.4955 / 75
USD / JPY = 131.12 / 22
Request:Determine the exchange rate HKD / JPY in USD.
Answer: HKD / JPY = A. (131.12: 8.4975) / (131.22: 8.4955)
B. (131.12: 8.4955) / 131.22: 8.4975)
C. 131.22: 131.12) / (8.4975: 8.4955)
D. (131.12: 131.22) / (8.4955: 8.4975)
Question 253
In a market with the following rates listed:
GBP / USD = 1.6825 / 35
AUD / USD = 0.665 / 70
USD / HKD = 8.4955 / 75
USD / JPY = 131.12 / 22
Request:Determine the GBP / AUD exchange rate in USD.
Answer: GBP / AUD = A. (1.6825: 0.6670) / (1.6835: 0.665)
B. (1,6825: 1.6835) / (0.6665: 0.6670)
C. (1,6825: 0.665) / (1.6835: 0.6670)
D. (1.6835: 1.6825) / (0.665: 0.6670)
Question 254In a market with the following rates listed:
GBP / USD = 1.6825 / 35
AUD / USD = 0.665 / 70
USD / HKD = 8.4955 / 75
USD / JPY = 131.12 / 22
Request:Determine the GBP / HKD rate in USD.
Answer: GBP / HKD = A. (1.6835 × 8.4955) / (1.6825 × 8.4975)
B. (1,6825 × 8.4955) / (1.6835 × 8.4975)
C. (1.6835 × 8.4975) / (1.6825 × 8.4955)
D. (1,6825 × 1,6835) / (8.4955 × 8.4975).
Question 255:: There are the following listings
USD / VND = 15730/15761 EUR / USD = 1.2815 / 1.2818
AUD / USD = 0.7481 / 0.7486 GBP / USD = 1.8421 / 1.8426
USD / JPY = 106.68 / 106.73
What is the amount of AUD in the transaction of Company A that sells USD 120,000?
Answer: A. 160.406.36 AUD
B. 160,292.36 AUD
C. 160,406.23 AUD
D. 160,229.23 AUD
Question 256:There are the following listings
USD / VND = 15730/15761 EUR / USD = 1.2815 / 1.2818
AUD / USD = 0.7481 / 0.7486 GBP / USD = 1.8421 / 1.8426
USD / JPY = 106.68 / 106.73
What is the amount of AUD in the transaction of B company to buy 20,000 GBP?
Answer: A. 49,620,892 AUD
B. 49,206,892 AUD
C. 49,227,892 AUD
D. 49,722,892 AUD
Question 257: There are the following listings
USD / VND = 15730/15761 EUR / USD = 1.2815 / 1.2818
AUD / USD = 0.7481 / 0.7486 GBP / USD = 1.8421 / 1.8426
USD / JPY = 106.68 / 106.73
What is the amount of AUD in company C's transaction to 40,000 GBP?
Answer: A. 98,482.07 AUD
B. 98,429.07 AUD
C. 98,492.07 AUD
D. 98,248.07 AUD
Question 258:
The listings are as follows:
USD / VND = 15730/15761 EUR / USD = 1.2815 / 1.2818
AUD / USD = 0.7481 / 0.7486 GBP / USD = 1.8421 / 1.8426
USD / JPY = 106.68 / 106.73
What is the amount of VND in the transaction of company A to sell 120,000 USD?
Answer: A. 1,887,600,000 VND
B. 1,887,060,000 VND
C. 1,887,006,000 VND
D. 1,887,000,600 VND
Question 259: There are the following listings:
USD / VND = 15730/15761 EUR / USD = 1.2815 / 1.2818
AUD / USD = 0.7481 / 0.7486 GBP / USD = 1.8421 / 1.8426
USD / JPY = 106.68 / 106.73
What is the amount of VND in company B's transaction to buy 20,000 GBP?
Answer: A. 580,842,372 VND
B. 580,824,372 VND
C. 580,208,372 VND
D. 580,802,372 VND
Question 260: There are the following listings:
USD / VND = 15730/15761 EUR / USD = 1.2815 / 1.2818
AUD / USD = 0.7481 / 0.7486 GBP / USD = 1.8421 / 1.8426
USD / JPY = 106.68 / 106.73
What is the amount of VND in company C's transaction to 40,000 AUD?
Answer: A. 470,270,000 VND
B. 470,207,000 VND
C. 471,326,164 VND
D. 471,632,164 VND
Question 261:Mr. X plans to deposit 30 million dong at a bank Y every 3 months. Bank interest rate for
this currency is 7.2% / year. How much will Mr. X multiply both principal and interest at maturity if the
bank only calculates interest at maturity?
Answer: A. 30,540,000 VND
B. 30,450,000 VND
C. 30,054,000 VND
D. 30,504,000 VND
Question 262:
Mr. X plans to deposit 30 million dong at a bank Y every 3 months. Bank interest rate for this currency is
7.2% / year. How much will Mr. X multiply both principal and interest at maturity if the bank calculates
compound interest monthly?
Answer: A. 32,219,022 VND
B. 31,246,022 VND
C. 32,543,264 VND
D. 333,534,246 VND
Question 263:
On 20/11/2006, Credit Department of Bank A received from a customer draft number 1247/04 issued on
15/10/2006 will be due on 15/04/2007 with par value of USD 128,000 has been accepted by Bank B to
pay at maturity and apply for a discount. Please specify the amount that the customer will receive when
discounting the above documents, knowing that Bank A applies a commission of 0.5% on the par value of
the discount voucher, the discount rate is 6% / year. against USD?
Answer: A. $ 124,267.67
B. 124,245.66 USD
C. 124,245.33 USD
D. $ 124,645.67
Question 264: On February 20, 2007, the export finance department of Bank A received an request from
company B to discount the set of export vouchers attached to L / C No. 1235 / 12LCXK and draft number
1235 / 12HPXK. $ 250,000 issued on January 10, 2007 due on July 10, 2007. After reviewing the valid
documents and the leaders of Bank A decided to accept a discount for customers with a discount rate of
6.25% / year and a commission fee of 0.5% on the par value of the voucher. . Please determine the
amount the customer will receive through this discount operation?
Answer: A. $ 242,637.61
B. 242,430.56 USD
C. 242,673.56 USD
D. 242,430.16 USD
Question 265: Which of the following statements is correct?
A. The cost of mobilizing capital of commercial banks is just the cost of paying interest to the depositors.
B. The cost of mobilizing capital of commercial banks is not interest payment cost to depositors.
C. Both A and B are correct.
D. The cost of mobilizing capital of commercial banks is not only the cost of paying interest to the
depositors but also other costs.
Question 266Which costs out of the total cost of capital mobilization of commercial banks account for the
largest proportion?
A. Interest expenses on short-term savings
B. Interest expenses on long-term savings deposits
C. Interest payment on deposit
D. Interest payment expense for commercial banks' deposits accounts for the largest proportion
in the total cost of mobilizing capital of commercial banks.
Question 267: Why do customers who borrow money from commercial banks have to repay both
principal and interest on time?
A. Because commercial banks are state-owned banks.
B. Because commercial banks only lend to customers to supplement working capital of customers in case
of shortage
C. Both A and B are correct
D. Because commercial banks borrow capital to lend; have to do obligations towards the state
and to survive and thrive.
Sentence 268: Which of the following statements is correct?
A. Commercial banks only provide additional loans for working capital lacking to enterprises
B. Commercial banks lend all loan needs of customers lacking capital.
C. Commercial banks lend customers' legitimate loan demands when eligible.
D. Commercial banks only give loans to customers when they have collateral.
Question 269: Which of the following statements is correct?
A. Guarantee of customers' loan when borrowing money from commercial banks is only real estate;
valuable papers.
B. Guarantee of customers' loan when borrowing money from commercial banks is only real estate.
C. Ensuring the customer's loan when borrowing money from commercial banks is real estate,
real estate; 3rd party guarantee.
D. Only A and B
Sentence 268: Who's regulation of the amount of money that commercial banks leave for the payment?
A. As regulated by each commercial bank
B. As regulated by the Central Bank
C. Developed by commercial banks and submitted to the Central Bank for approval
D. Constructed by commercial banks.
Question 269: Who decided to raise capital interest rates of commercial banks?
A. As regulated by each commercial bank
B. Decided by the Central Bank
C. Constructed by commercial banks and submitted to the Central Bank for decision
D. Jointly decided by commercial banks
Question 270: Which bank is regulated by the bank's interest rate on savings deposit?
A. As regulated by each commercial bank
B. As regulated by the Central Bank.
C. Constructed by commercial banks
D. Developed by each commercial bank and submitted to the Central Bank for approval.
Question 271:Which of the following statements is true of the capital mobilization operation of
commercial banks?
A. Mobilization operations of commercial banks create capital for customers to save money and
have income at the same time.
B. Capital mobilization operations of commercial banks reduce public spending.
C. Capital mobilization operations of commercial banks increase the solvency of the public
D. Both B and C
Question 272: Which of the following statements is an incorrect statement about the role of capital
mobilization operations in the operation of commercial banks?
A. Deposit operation allows the bank to expand its business.
B. There is no capital mobilization operation, a commercial bank does not have enough capital to finance
its operation.
C. Through the mobilization of capital, commercial banks know the customer's borrowing needs.
D. There are no false statements
Question 273: What types of money accounts can commercial banks raise capital?
A. Time deposits and demand deposits
B. Payment deposit and savings deposit
C. Deposits in VND and foreign currency deposits
D. All right
Question 274: Which of the following statements is correct?
A. Demand deposits can be withdrawn at any time even when the bank is closed while period deposits
can be withdrawn at any time when the bank is open.
B. Demand deposits can be withdrawn at any time while period deposits can only be withdrawn
when they become due.
C. Demand deposit is not withdrawable at any time
D. Term deposits can be withdrawn at any time
Question 275: Which of the following statements about commercial bank credit is appropriate?
A. State-owned commercial banks credit is not for profit purposes
B. Secured and unsecured credit
C. Joint stock commercial bank credit is private credit
D. Credit creditable by commercial banks and non-refundable commercial bank credits
Question 276: What does a credit process mean in a commercial bank's credit activity?
A. Significance to Vivcj to Expand a Bank's Business
B. Significantly enhance debt collection
C. It is meant as a basis for evaluating the bank's performance
D. Meaningful in loan judgment; reviewing customers' loan records; in debt collection; enhancing
efficiency of loan use; clarifying responsibilities and powers of stakeholders in borrowing.
Question 277: Which of the following statements most accurately reflects the goal of credit analysis
before making a loan decision?
A. When customers get loans to ensure the right purposes and subjects; increasing the efficient
use of loans, timely repayment of loans; identifies situations that may present risks to the bank,
prognoses the ability to control those types of risks, and anticipates measures to prevent and
limit potential damage.
B. Just to test borrowers
C. Let the bank credit officers care about debt collection when making a loan
D. Keep bank departments aware of the lending and collection situation
Question 278: What is the statement about having to assess the credit file before deciding to lend the
customer is appropriate?
A. Must verify the application because the borrower has not had credit
B. Because customers just borrow money for the first time.
C.Because customers borrow money in large amounts.
D. Must be assessed towhether the client's profile satisfies the loan requirements?
Question 279: How can commercial banks prevent off-balance sheet foreign exchange risk?
A. Not performing foreign currency forward transactions, but only spot trading.
B. Conducting both forward and spot transactions in foreign currencies
C. Only carry out foreign currency transactions regarding call options
D. Operations: forward trading, using futures contracts, using options.
Question 280: What is the content of the method of preventing the risk of on-balance sheet exchange of
commercial banks?
A. Commercial banks always maintain the balance of foreign exchange status between Credit assets and
Liabilities
B. Commercial banks participating in foreign currency transactions so that the total buying value of a
certain foreign currency is equal to the total value of selling contracts of that foreign currency.
C. Consists of A and B
D. Just maintain a balance of foreign exchange positions between Credit and Debt assets for a few
currencies.
Sentence 281: Which of the following is an exact statement?
A. Short-term loans are intended to finance businesses investing in liquid assets and provide long-term
loans to finance firms investing in fixed assets.
B. Short-term loans and long-term loans are the same object of investment
C. Short-term loans only make loans to production and business enterprises and long-term loans without
personal loans.
D. Consists of B and C
Question 282: How to manage the country's foreign exchange reserves?
A. Determine the size of the foreign exchange reserves
B. Determine the foreign exchange reserve structure
C. Organizing the management of foreign exchange reserves
D. Including A, B, C
Question 283: Which of the following statements about the reserve fund of the Central Bank is correct?
A. It is a reserve fund to lend to commercial banks
B. Is a reserve fund to fund the state treasury when needed
C. Consists of A and B
D. It is a fund for managing and preserving all kinds of money in the central warehouse of the
central bank and the vault at branches of the State Bank of the province or city directly under the
central bank.
Question 284: What are the contents of the money issuance operation of the Central Bank?
A. Identify annual incremental supply payments; put money in circulation and organize cash regulation.
B. Organizing master-making, printing and casting; preserve money, valuable assets and valuable papers
C. Transporting money, precious money and valuable papers; money replacement withdrawal
D. Include A, B, C and destroy money
Sentence 285: Which of the following is the correct statement about the classification of a commercial bill
of exchange?
E. Commercial bills of exchange can be classified into spot and term bills of exchange
F. Commercial bills of exchange can be classified into bills of exchange for collection and into bills of
exchange for documentary credit.
G. Commercial bills of exchange can be classified into nominated bills of exchange and into bills of
exchange payable by order
H. All of the above statements are correct
Question 286: Which factor is not required when issuing bills of exchange?
A. Title of the bill of exchange
B. Place of issue of bill of exchange
C. Unconditional Money Order
D. The numerical and literal amount of the bill of exchange.
Question 287: How do banks deal with foreign currency trading risks?
A. Find a way to balance or close the foreign currency position
B. Use of risk prevention tools
C. Take risks in order to make a profit.
D. All answers are correct.
Question 288: On what basis is the central bank issuing money in circulation today?
A. On a gold-backed basis
B. On a secured basis with gold, silver, and precious metals
C. On a guaranteed basis by inflation rate
D. On the basis of guaranteed by goods or services
Sentence 289: What are the reasons for the liquidity risk of commercial banks?
A. Due to business customers' losses
B. Because the bank is not actively collecting debt
C. Because the bank is lending too much
D. Due to causes arising from Liabilities and Assets.
Question 290: Which statement about the liquidity risk of commercial banks below is correct?
A. Liquidity risk is a loss of money in the payment of a commercial bank
B. Liquidity risk is due to the inability of commercial banks to pay by transfer to customers.
C. Liquidity risk of commercial banks is loss of creditworthiness of commercial banks in payment
D. Liquidity risk of a commercial bank is the situation that commercial banks do not have enough
capital or cannot find external capital to meet the customer's request for payment and withdrawal
of money.
Question 291: Who is the legal capital of commercial banks?
A. It is regulated by each commercial bank
B. As regulated by commercial banks
C. Developed by commercial banks and submitted to the Central Bank for approval
D. Regulated by the state
Question 292:Which of the following statements is correct?
A. The charter capital of commercial banks is at least equal to the legal capital that the State
provides for commercial banks
B. The charter capital of a commercial bank may be smaller than the legal capital that the State provides
for a commercial bank
C. The charter capital of commercial banks must be greater than the legal capital that the State provides
for commercial banks
D. Both B and C are correct.
Question 293: Which sources of mobilized capital of commercial banks have the lowest interest rate?
A. Term deposits
B. Demand savings deposit
C. Payment deposit.
D. Certificate of deposit
Question 294: Which of the following statements is correct?
A. Deposit to pay the deposit interest rate is usually higher than the interest rate on short-term savings
deposit
B. The deposit deposit interest rate is equal to the demand deposit interest rate of the savings interest
rate.
C. Interest rate on mobilizing demand deposit is smaller than interest rate on mobilizing demand
savings deposit.
D. Both A and B are correct
Question 295: Which of the following statements about the charter capital of each type of commercial
bank is correct?
A. The charter capital of each type of commercial bank must always be greater than or at least
equal to the legal capital, which is the capital amount prescribed by the Government from time to
time for each type of commercial bank.
B. During the operation, commercial banking business is not allowed to supplement its charter capital.
C. The charter capital of each type of commercial bank is decided by each commercial bank to adjust
itself without consulting the Central Bank.
D. All of the above statements are correct
Question 297: What is mortgage lending by real estate?
A. A form of loan where customers must use real estate assets to secure their debts. and
mortgage documents.
B. A form of loan in which a customer must use real estate assets to mortgage for a loan but do not need
to hand over ownership papers to the managing bank.
C. Is a form of loan where customers use property under legal ownership to pledge when borrowing
capital.
D. Is a form of loan that customers can use any sant property to mortgage when borrowing from the bank
Question 298: What is the repayment term?
A. Is the period from when customers start to pay debts until they pay off all debts (principal and
interest) to the bank.
B. Is the period of time calculated from the time the customer starts receiving the first loan to the time
when the loan is paid off (principal and interest) to the bank.
C. Is the period from the time the customer finishes receiving the loan to the beginning of the loan
repayment to the bank.
D. Is the period from when the customer starts receiving the first loan to the end of the loan receipt.
Question 299: Factors that make up the interest rate include what factors?
A. Cost of equity, funding cost, operating cost.
B. Cost of equity, cost of provision for credit risks, operating expenses.
C. Cost of equity, cost of capital mobilization, operating expenses, cost of provision for credit
risks, cost of liquidity, cost of obligations to the state, a portion of profits to generate
development.
D. Operating expenses, credit risk provision costs, liquidity costs, capital costs Question 301: What are
the forms of financial leasing?
A. Three-party financial leasing, sub-leasing, two-party financial leasing.
FATHER; finance leasing, cooperation finance leasing.
C. B; financial leasing bridging.
D. Three-party financial leasing, sub-leasing, two-party financial leasing, cooperative financial leasing,
bridging finance leasing.
Question 302: What are the total rental expenses?
A. Asset purchase costs, transportation costs, installation and commissioning costs.
B. A and other costs to form historical cost of the asset.
C. Cost of buying an asset to form its historical cost.
D. Property purchase cost
Question 303: On what basis is the determination of the lease term?
A. The uptime of the property, the obsolete speed of the property.
FATHER; intensity of property use
C. B; solvency, market risks.
D. C; the properties of each type of property ...
Question 304: What is operating lease?
A. An operating lease is a lease that has a lease term that is much shorter than the useful life of the
property.
FATHER; The total amount that the tenant has to pay is much smaller than the original value of the
property.
C. B; The lessor must bear all maintenance costs, insurance costs, risks and damages not caused
by the lessee.
D. A; The full maintenance cost is borne by the lessor.
Question 305: When is an operating lease in Vietnam determined?
A. Ownership of the property is not transferred to the lessee at the end of the lease and the lease term
takes up only a portion of the useful life of the rental property.
FATHER; The lease does not provide for the lease purchase agreement between the lessee and the
lessor.
C. B; Financial leasing companies wishing to lease operations must meet all conditions
prescribed by the State Bank of Vietnam and approved in writing by the State Bank of Vietnam.
D. A; Financial leasing companies wishing to lease operations must meet all conditions prescribed by the
State Bank of Vietnam
Question 306: What are the conditions for a syndicated loan?
A. The customer's need to apply for a loan exceeds the bank's lending limit according to the current
regulations.
B. The need to disperse banking risks.
SHIFT; a bank's capital source cannot meet the customer's borrowing needs.
D. B and C; Borrowers need to borrow from many banks.
Question 307: What is the organizing principle of a syndicated loan?
A. The members voluntarily participate and coordinate with each other to implement.
B. The form of credit extension and the mode of transaction between the parties to the syndicated loan
and the borrower must be agreed upon by the members as specified in the loan syndication contract.
C. The members voluntarily participate, agree to choose the focal organization, member for payment.
D. B and C
Question 308:What are the contents of the loan syndication process?
A. Proposal for syndicated loan for a project, project appraisal of syndication.
B. Proposal for syndicated loan for a project, syndicated lending.
C. Proposal for syndicated loan for a project, syndicated lending, project appraisal of syndication.
D. C; Signing and implementing loan syndication contracts, credit contracts.
Question 310: What are the characteristics of cashless payment?
A. Non-cash payments only use means of authorized collection, payment authorization and check for
payment.
B. In non-cash payments, each payment has at least 3 parties involved, that is: Payer, beneficiary and
intermediaries.
C. Non-cash payments using bank transfer (also known as bookkeeping money, currency pen); payment
vouchers.
D. B and C
Question 311: What is payment voucher in non-cash payment?
A. Payment vouchers are the means of conveying the terms of payment and used as the basis for
the payment including collection orders, payment orders made by the beneficiary or the payer.
B. Payment vouchers are collection or payment orders made by the beneficiary itself.
C. Payment vouchers are means of conveying terms of payment such as collection orders made by the
payer himself.
D. Proof of payment are the grounds for making payment, such as a payment order made by the
beneficiary.
Question 312: When deciding to open a current account at the bank, what factors are customers usually
interested in?
A. Convenient in transactions, fast speed.
B. Assurance of property safety.
C. Reasonable transaction fee; ensure safety.
D. A and C
Question 313: Under what circumstances is the payment account partially or fully frozen?
A. There is an agreement between the account holder and the bank
B. There is a decision or request in writing of an authorized person in accordance with the law.
C. B; in other cases as provided for by law
D. C; There is an agreement between the account holder and the bank.
Question 314:Under what circumstances is the payment account closed?
A. Account holder requests, when the organization whose account is terminated in accordance with law.
B. In case the account holder violates the law in payment or violates the agreement with the bank or when
the account has a low balance and is inactive for a certain period of time according to the bank's
regulations, the right to decide the account closing of the account; Account with low balance, after 6
months of inactivity
C. Account with low balance, after 6 months of inactivity
D. A and B; when the individual whose account is dead, missing or loses civil act capacity.
Question 315: What is the payment order?
A. Payment order means an order of a payment service user to a payment service supplier in the
form of paper documents or electronic documents or other forms as prescribed by competent
state agencies. the right to request a bank to make a payment.
B. Payment orders of payment service-providing organizations for users of payment services for the
purpose of making payment.
C. Payment order means an order of a payment service user with a payment service provider in the form
of an electronic voucher to request the bank to make a payment transaction.
D. Consists of B and C
Question 316: What is a bank card?
A. A bank card is a payment instrument issued by a bank and sold to customers for use to pay for
goods, services, other payments or withdraw cash at automatic teller machines.
B. Bank card means a payment instrument issued by a bank for customers to use to pay for goods and
services.
C. Bank card is a payment instrument issued by a bank for the customer to use to pay for goods.
D. A bank card is a payment instrument sold by a bank to a customer to pay for services or withdraw cash
at automatic teller machines.
Question 317:Participating in payment consignment collection in international payment includes any
subjects?
A. Exporter, Importer.
B. Bank transfer, presenting bank
C. A and B
D. Exporter, transfer bank.
Question 318: Who are participating in money transfer payment in international payment?
A. The remitter, the receiver (the beneficiary).
B. Bank serving the remitter, the bank serving the remitter
C. The money transferor, the bank serving the money sender, the remitter.
D. A and B
Question 319: What is the main content of an options contract?
A. Form of the contract, par value of the contract.
B. Performance price, contract term.
C. A and B; option fee
D. A; option fee and contract term.
Question 320: What are the characteristics of bank guarantees?
A. It is a multi-party relationship that is interdependent.
B. Bank guarantee is independent from the contract.
C. B; a multi-party relationship is interdependent
D. C and the appropriateness of the guarantee.