ÔN TẬP TNDH

The credit policy of commercial banks is:

• Issued by the State Bank of Vietnam

• Issued by commercial banks

• An agreement between the bank and customers

• All of the above are correct

The credit policy of commercial banks is:

• The set of regulations of the bank on credit activities

• The set of regulations of the bank on borrowing activities

• Both of the above are correct

• Both of the above are incorrect

The assets involved in the credit activities of commercial banks are:

• Movable and immovable assets

• Money, signatures, and assets

• Mobilized capital and borrowed capital

• Equity capital

The collateral for loans at commercial banks is:

• Immovable and movable assets

• Financial assets

• Customer's rights and future income

• All of the above

The credit process of commercial banks is:

• A summary table describing the bank's work from receiving loan applications to debt collection and contract termination

• A job description of credit officers

• A table describing the credit procedures of commercial banks

• A table evaluating the completion of credit targets by credit officers

Commercial banks classify credit based on the level of creditworthiness according to:

• Whether the customer has collateral or not

• The transaction history between the customer and the bank

• The borrowing and repayment methods of the customer

• The customer having no overdue debts

Banks assess the creditworthiness of a customer when:

• The customer submits a loan application

• After the loan application has been assessed

• After disbursing the loan to the customer

• After the customer repays the first loan in full

Commercial banks carry out credit supervision for customers:

• Before disbursing the loan to the customer

• While disbursing the loan to the customer

• After disbursing the loan to the customer

• All of the above

The loan interest rate structure of commercial banks must include:

• The bank's costs, expected profits, and credit risk premiums

• The bank's costs, expected profits, and operational risk premiums

• The bank's costs, expected profits, and market risk premiums

• All of the above

Which of the following activities is not part of the credit granting methods of commercial banks?

• Loans, discounts, factoring

• Financial leasing and guarantees

• Issuance of credit cards

• Securitization of credit