2012银行从业资格考试公共基础重点汇总2012,bankqualificationexam

1、2012银行从业资格考试公共基础重点汇总(2012, bank qualification examination public key collection) 2012, bank qualification examination public key collectionChapter 1 general situation of China's banking systemTest site difficulty analysisI. the scope of responsibilities of the people s Bank of China and the scop

2、e of supervision of the CBRCStar ting from 2003, the supervisory duties of the people's Bank of China on banking financial institutions shall be exercised by the cbrc. The people s Bank of China regulatory responsibilities also have corresponding changes, the people's Bank of Chinese respons

3、ible for macro monetary policy And maintain the stability of the financial market, China CBRC supervision for other financial institutions approved the establishment of the national banking financial institutions, and the State Council, the main responsibilities around the. Candidates need to unders

4、tand in detail, so as not to confuse text in multiple topicsTwo. Supervision measures of the China Banking Regulatory CommissionRegulatory measures of China Banking Regulatory Commission: market access, off-site supervision, on-site supervision, regulatory talks, information disclosure supervision.

5、Candidates in the study required detailed monitoring procedures for each measure, proficiency in order to cope with multiple-choice topics often occur in regulatory decomposition.Three, China Banking Association member units and associate membersThe definition of the two should be strictly distingui

6、shed in study. The members of the China Banking Association are banking financial institutions with legal personality, and the associate members are banking associations in all provinces (autonomous regions, municipalities directly under the central government, and municipalities directly under the

7、central government) When you have a clear idea of the two, then you' 11 have a very clear mind when you choose and judgeFour, "five big lines" the establishment time, the stock system reform, the market time judgmentIn some multiple-choice questions or individual judgment questions, it

8、 is easy to have questions about the establishment time, restructuring time and listing time of the "five big lines Candidates need to pay att ent ion to summing up in stud y For example, the bank is "Five" in the oldest, founded in 1908, is China's first joint-stock commercial ba

9、nk, established in April 1, 1987, and listed on the Hongkong stock exchange in June 23, 2005 and become China's first overseas listed banksFive, the scope of business between rural banks and rural mutual fund cooperativesVillage banks and rural cooperatives is a new institution approved the esta

10、blishment in 2007, especially the rural mutual cooperative business need to grasp the key, in previous years, single or multiple judgment have appeared on the rural fund cooperatives questions.Six, the difference between the business institutions of foreign banks and the business scope of different

11、foreign banksThe operational institutions of foreign banks include: wholly foreign-owned banks, Sino foreign joint venture banks and branches of foreign banks Among them, wholly foreign-owned banks and Sino foreign joint venture banks enjoy national treatment, and may operate some or all of the fore

12、ign exchange and RMB business Other foreign banks must establish independent legal person banks to enjoy national treatmentSeven, the business scope of non banking financial institutions under the supervision of the CBRCDistinguish the non banking financial institutions of the China Banking Regulato

13、ry Commission, the China Securities Regulatory Commission and the China Insurance Regulatory commission. Analysis and control of non bank financial institutions Chinese CBRC in finance companies, auto finance companies and money brokerage company financial leasing companies, each engaged in business

14、, especially in the exam of the banking sector accounted for ChinaThe second chapter is banking environmentTest site difficulty analysisI. understanding of the targets of macroeconomic development, price stability and the balance of international balance of payments(I) price stability and inflation,

15、 deflationDeflation is also a manifestation of the imbalance of money supply and demand, the instability of prices, and the stable operation of socie ty and economy We mus t avoid high inf la tion and prevent deflation.(two) balance of payments and balance of paymentsThe balance of payments is a rea

16、sonably stable range in the balance of payments, and a large amount of balance of payments surplus and deficit are manifes tat ions of the imbalance in the national economy.Two, the comprehensive identification of financial markets and financial instrumentsTo understand the financial markets and fin

17、ancial instruments in different criteria and different categories, on the basis of comprehensive identification, grasp the financial markets and furniture, for example, a company type 3 一 year bond financing, in accordance with the time division, 3 year bonds are long-term financial instruments,The

18、corresponding is the capital market; in accordance with the mode of financing, it belongs to the direct financing tool, and corresponds to the primary market Three, the application of the central bank? s monetary policy tools(1) implementing expansionary monetary policy;When the total social demand

19、and the production capacity of the economy is relatively low, the central bank to use expansionary monetary policy to stimulate aggregate demand by increasing the money supply growth rate, candidates need to master how to use monetary policy tools to implement expansionary monetary policy objectives

20、 For example, the open market to buy bonds, reduce deposit reserve ratio.(two) tighten monetary policyIn more serious inflation, the central bank will adopt tighter monetary policy, to reduce the level of aggregate demand byreducing the rate of growth of the money supply, candidates need to master h

21、ow to use monetary policy tools to achieve the goals of monetary policy tightening For example, open markets sell bonds, reduce deposit reserve rates, etc.(three) the comprehensive application of monetary policy and fiscal policyMonetary policy and fiscal policy are the two major policies of macroec

22、onomic regulation and control, and the coordination and use of the two policies can better achieve the goal of macroeconomic regulation and control For example, when a country，s economy is high, a tightening fiscal policy will curbinflation.Four, the differential deposit reserve systemIn 2004, China

23、 began to implement the differential deposit reserve system, and the reserve requirement :ratio of commercial banks was linked to its capital adequacy ratio and asset quality status When studying, we should be familiar with the content of this sys tem and grasp the relation bet ween capi tai adequac

24、y ratio, non-performing loan ratio and deposit reserve ratio.Five, the level of money supply relationsFamiliar with the composition of China's monetary base, according to the different mobility, I have the money supply can be divided into three levels: MO, Ml, M2, where MO is the cash in circula

25、tion; Ml is the implementation of the purchasing power of money supply; M2 is the general sense of the M2 and Ml; the difference bet ween the quasi currency is the potential purchasing power.The third chapter, bank* s main businessA test analysis of difficulties, banking policy adjustments need to f

26、ocus on the past two years when the Candidates Pro related banking policy adjustments, such as: RMB deposits and loans of financial institutions to adjust the benchmark interest rate, the savings deposit interest income tax adjustments, the deposit account of the real name system, the introduction o

27、f RMB deposit and loan calculation and settlement of interest provisions, ''personal the foreign exchange management approach", "the implementation of the inter-bank bond market of nonfinancial corporate debt financing instruments such as the introduction of management measures&quo

28、t; General new policy changes, easy to form the examination questions, Candidates must pay attention to current affairs, do not lose points here Two, apply compound savings Candidates to review when you need to grasp the point: in addition to demand deposits in every quarter of the interest settleme

29、nt date will be of interest into the principal next season as the principal compounded, regardless of other deposit deposit period will be long, excluding interest Three, the interest bearing time and way, from September 21, 2005 onwards, China" s demand deposits to carry out quarterly interest

30、 rate, the end of each quarter of the 20 day for the date of interest, the next day interest payments. There are two main ways: the accumulated interest interest and individual interest method, which method is used to calculate the accumulated interest on demand deposits, interest bearing transactio

31、n method is used to calculate the fixed deposit interest Candidates in the pro forma review, the need to mas ter the actual application of two kinds of interes t bearing methods, where the examination may be calculated Four, deposit in overdue withdrawal, early withdrawal, the adjustment of interest

32、 :rate interest bearing deposits in the corresponding method of overdue withdrawal or early withdrawal, exceed the original deposit part (except agreed redeposit out side) or early withdrawal according to the day of withdrawal deposit rate of interest and deposit interest rate adjustment period, acc

33、ording to the certificate of deposit account the day of listing notice deposit interest rate This part of the examination may be calculated questions, candidates should be familiar with various methods of interest when reviewing FiveThe opening of 4 accounts in a unit's current deposit account,

34、to understand and master the basic deposit account, the general deposit account, the temporary deposit account and the special deposit account in the current deposit accourrt of the unitSix, the loan business review Candidates need to understand the characteristics of the interbank lending and the R

35、MB money market benchmark interest :rate index system; grasp the advantages of bond repurchase operations and interbank business compared; understand the central bank lender of last resort; understand the conditions of financial bonds issued by commercial banks Type seven, personal loans and corpora

36、te loans business review, candidates need to focus on mastering the personal loan business, familiar with the classification of liquidity loan business loan business, understand the fixed assets loans and real estate loans and the contents of the syndicated loan principle and members of their silver

37、 content Type of card type and Forfaiting content, eight commonly used credit and bank credit business process commonly used credit often appear in a number of topics, candidates should understand these three kinds of credit: irrevocable documentary letter of credit, credit can not be transferred Th

38、e two aspects of forfeiting business and the substance of its business are higher probability of judgment In addition, in trade financing, candidates need to review the notes in particular when discounting the content Nine, the bond investment business and cash assets business review candidates need

39、 to focus on mastery goal and object of investment bonds, understand the risk investment calculation and bonds investment rate of return faces, familiar with the contents of the business assets in cash Ten, intermediate business review candidates need to focus on mastering the foreign exchange busin

40、ess and liquidation of the cont ent business, familiar with the concept of collection and classification, understending of the traditional settlement of the "three ticket exchange, understand the credit card consumer credit and debit card classification, to understand the various types of agent

41、 and trust business Which focus on the palm agency securities business and asset custody business, familiar with the difference of standby letter of credit and the general credit card; familiar with business credit and customer commitment note issuance facilities; to understand the basic content of

42、personal finance and public finance; understand the difference bet ween the bank and the bank machine hand phone According to the law of examination in the past year, the examination of the above knowledge in the middle business is more The examinee should t ake time to be familiar with the con tent

43、 of this par t during the review.The fourth chapter banking managementTest analysis and recognition, a recognition difficulty of bank risk judgment of banking risk characteristics: cred it risk risk categories of the most complex, operational risk can be transformed, international country risk, the

44、market value of banks the biggest threat to the reputation risk, Candidates in the complex to distinguish the characteristics of every risk in Xi in order to make the correct judgment Two, the bank and the functions of company governance subjects, candidates need to understand the main bank corporat

45、e governance in pro forma, familiar with each subject of their respective duties： the shareholders meeting is the highest authority, the board of directors is the organs of the authority of the executive, bear the ultimate responsibility for monitoring the implementation of risk management of the ba

46、nk, the senior management executive board decision the board of supervisors, supervision of banking activities and accounting affairs, candidates for detailed analysis, in the review summary, you can easily master the knowledge points Three, the content of the bank s internal control, candidates sho

47、uld pay special attention to this part of the content, understand the target of bank internal control, familiar with the principles and elements of internal contro 1. Four, "Basel Capital Accord" and new capital agreement of Basel" 1. "Basel Capital Accord" master '"

48、;Basel Capital Accord" the contents of the four parts need to focus on learning, memory, and applied in practice, such as the known conditions, the calculation of bank capital or core capita 1 2. "new Basel Capital Accord" new content and capital supervision of the "three pillars

49、" on the basis of the familiar "'Basel Capitai Accord" on the candidates should master the "new Basel Capital Accord" new content, and accurately understand the meaning of "three pillars'" At the same time, we need to grasp the calculation of capital adequa

50、cy ratio and apply it in practice (pay at tention to the deduction of items in capital ) 3., China's implementation of the new Basel Capital Accord arrangement and supervision, the content of capital structure, the implementation of China's new Basel Capital Accord arrangements and the compo

51、sition of China's regulatory cap it al,When candidates prepare for the examination, they need to understand the basic principles of classification implementation, hierarchical promotion and step-by-step standards established by the China Banking Regulatory commission. Familiar with the contents

52、of core capital and subsidiary capital in the supervision of capital and the items deducted from capital when calculating the capital adequacy ratio. 4. , China Banking Regulatory Commission to control the contents of the capital grasp, candidates review need to grasp the China Banking Regulatory Co

53、mmission on the z/capital adequacy, capital adequacy, capital shortage of serious'7 these three cases of bank intervention. 5. , improve the capital adequacy ratio method grasp, candidates review need to grasp the molecular countermeasures, denominator countermeasures, comprehensive measures con

54、tent Five, compliance management content master, Candidates review need to master the basic elements of compliance management system and compliance management responsibilities. Six, about the understanding of financial innovation, understand the basic principles of financial innovation, grasp the cu

55、stomer interest protection, /zcaveameaningThe fifth chapter is banking regulation and anti moneylaundering lawTest site difficulty analysisI. The differences bet ween the people，s Bank of China and the China Banking Regulatory Commission on the supervision and administration of banking financial ins

56、titutionsOn the division of the people's Bank and the CBRC Chinese duties confused, two years before the exam has admit ted to China, since the establishment of the CBRC, the people's Bank of China performed on the banking financial institutions supervision and management functions transferr

57、ed to the China CBRC, but when the banking industry financial institutions payment difficuIties, may lead to financial the risk, approved by the State Council, the people's Bank of Chinese has the right to make inspection and supervision over banking institutions, the banking supervision departm

58、ent supervision of the banking financial institutions are not exclusive, it will not cause the double punishment of the banking financial institutions.Two, the "banking supervision and administration law/z of the supervision and management measures identifiedFor violation of the rules of pruden

59、t operation management measures, and to take over the banking financial institutions restructuring, bankruptcy revocation，regulatory measures and other measures for the supervision and management of these candidates in the review content, attention must be paid to the analysis and summary, strengthe

60、n memory, so as to make a correct judgmentThree, the violation of the banking supervision and administration of other administrative measures identifiedTreatment of treatment units and individuals for permission to set up a banking financial institution or engage in illegal banking business activities of financial institutions and the ba