Tng hp cc cu hi IQ v trc nghim nng lc vo ngn hng

TNG HP T NHIU NGUN: (Nn khng phi l thi mt ngn hng c th )

1) Ngi nh th no l ngi c y nng lc hnh vi dn s? (Hng dn: m b lut dn s ra) 2) Th no l tn dng? Ti mn bn ti 100.000 ng s dng, mt thng sau tr li th c gi l hot ng tn dng khng? 3) Th no l c ng chin lc, lng vn gp vo t chc bao nhiu phn trm vn iu l th c gi l c ng chin lc? 4) Qui trnh tn dng nh th no? 5) Khi xem xt h s ti chnh ca khch hng doanh nghip, cn c nhng bo co no. V sao? 6) Yu t cn thit ca cn b tn dng l g? 7) Bn bit th no l "vt c ph" trong hot ng quan h khch hng? iu nh hng nh th no n hnh nh ca doanh nghip? 8) Cc i tng khng c cho vay v hn ch cho vay? 9) Cc bo co no l quan trng trong vic nh gi mt cng ty? (Thi vo VPBank)

10) Bn hiu bit g v ngh tn dng. Hy chng minh bn c th lm tn dng tt? (Thi vo VPBank) 11) Nu s ging v khc nhau gia tn dng ngn hng v tn dng thng mi? (Thi vo VPBank) 12) Nu s ging v khc nhau gia "Wire/Swift transfer" v "Bank cheque". Lin h s pht trin 2 loi hnh ny Vit Nam hin nay? (Cu ny hi b "khoai" Gi : Swift transfer l vit tt ca The society for Worldwide interbank Financial Telecommunications. ( ngha l truyn thng tin thng qua h thng lin ngn hng ton cu ). H thng ny cung cp tt c cc dch v ca ngn hng nh chuyn tin, i ngoi t , vay tin, th tn dng vi khi lng khng l m vn p ng c yu cu l s nhanh chng. Tuy nhin nhng ngn hng mun thc hin cc dch v thng qua h thng SWIFT phi l thnh vin ca h thng ny. VN mi ch c Vietcombank l thnh vin ca t chc ny. Cn cheque bank l sc ngn hng pht hnh cho cc khch hng ca mnh. Hai hnh thc trn khc nhau ch l SWIFT th ch dng cho cc dch v quc t. Cn cheque thng dng trong ni a. Nu mun mang Cheque ra nc ngoi th ngn hng m cheque cho bn phi c chi nhnh nc ngoi hoc c ngn hng i l chp nhn cheque . Th hai na l 1 ci dng in t nn bn cn n ngn hng giao dch, 1 ci l t giy bn ch vic k pht (sot 1 ci) l xong. Nhn chung th Vit Nam c hai hnh thc trn u cha pht trin cho lm. )

13) Cc i tng khng c cho vay v hn ch cho vay ? 14) Khi thn nh mt khch hng c nhn th iu kin no l quan trng nht ? 15) Pht hnh L/C c phi l hnh thc cho vay hay khng? Hy gii thch v chng minh!

16) Ti sao n xu ca Ngn hng thng mi Vit nam li thp hn so vi nh gi ca cc t chc quc t? N xu c phi l tiu thc nh gi ri ro v xp hng t chc tn dng khng ? (1 im) 17) Cc nguyn nhn ca ri ro tn dng t pha khch hng l g ? (1 im) 18) Tri phiu Chnh ph - K hn 5 nm, mnh gi l 200 tr, li sut l 8,5 %/nm, tr li cui nm. Ngn hng mua li tri phiu vi gi 180 tr, thi hn cn li l 4 nm. Xc nh li sut thc ca tri phiu nu ngn hng gi li n o hn? Cn c Ngn hng mua li tri phiu vi gi 180 triu l g ? (2 im)

HT

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