NEW
Font size
WorksheetsMCQ #1 - POLICY
Total questions: 74
Worksheet time: 37mins
Which description below related to negative list is WRONG?
For the case authority is MKT manager, highest authority for appeal is CRE manager
For the case authority is CRE AGD, highest authority for appeal is GD
Applicant who violates Black List is not allowed to send CF
Applicant has historical G2 record within 6 months needs to make appeal before sending CF
While evaluate market price of leased asset, what is the best solution?
Consult machine dealer/supplier to know current market price
Consult CILC system to check machine with same brand name
Consult online website to check machine with same brand name
Consult fixed asset list to check depreciation
What is NOT a bad signal while evaluating applicant?
Negative reputation on newspaper 3 months ago
Applicant has 10 related companies to serve for customer in different areas
GD of applicant has external investment and doesn't earn any profit for 1 year
GD is listed as shareholder in more than 10 companies in different industries
While evaluate real sales of applicant, what is NOT the reliable source?
Check Internal record with bank statement
Check VAT sales and bank statement
Internal record without clear Buyer info
Bank statement with clear content
To make sure the real GPM and profit, what is the most reliable method?
Compare difference between Financial statement and VAT sales
Compare VAT input/ output figure
Compare figure on Financial statement
Compare company in same industry
To reduce possible risk of delinquent, what is NOT the good method?
Require worker in the factory to become guarantor
Reduce TE and increase SD
Require guarantor who works in different industry
Add corporate guarantor whose revenue is stable
What is NOT included in the target of CRE dept?
Total Outstanding growth of each department
Personal income from customer
Risk Control
Revenue achievement of each department
If applicant only issue 10% invoice of their revenue, what method can better understand applicant's real revenue?
Evaluate Financial Statement
Number of machines operating while credit checking
VAT sales and AR, AP, inventory list
Using manufacturing capacity to compare with income in bank statement
Revenue of applicant mainly comes from SMEs in Cambodia, what is the potential risk?
Can't verify real sales and real buyer
can't verify real sales and capacity
can't verify capacity and AR turnover
can't verify AR and AP turnover
Construction company usually has high financial burdenm what is the possible reason?
Applicant mostly own several related company, complicated internal procedure
AR term mostly follow construction progress, can be last from 1 month to several years
Bank tends to support construction company, give them higher credit line
Supported by local government
As the global plastic resin price increase gradually, what is NOT the possible impact?
Plastic factory purchase more plastic resin to reduce cost
Profit of small plastic production factory would reduce
Manufacturing capacity of plastic factory would increase
Revenue of plastic production factory will increase in a long term
A Vietnamese factory earns most of its revenue from U.S. customers. If the USD strengthens significantly against the VND and the other costs remain in VND, what is the most likely impact on the factory's net profit margin?
Net profit margin will likely increase
Net profit margin will likely decrease
There will be no effect on net profit margin
Gross profit margin will decrease
A Vietnamese textile exporter faces new U.S. tariffs on imported clothing. Which of the following responses or signals should be paid attention in the company's operations?
Diversifying export markets and adding domestic sales
Increasing inventory of finished goods
Purchase new machines to improve productivity
Switching to local raw materials
Applicant is a paper-processing company in northern Vietnam. Which of the following signs would increase concern under the new local environmental rules?
Stable gross margin over the last 2 years
Reduction in days payable outstanding (DPO, AP turnover days)
Increased revenue from domestic orders
Repeated fines for wastewater violations
An SME manufacturing company regularly sells goods without issuing formal invoices. After new e-invoice rules effective June 1, 2025, which of the following risks becomes most urgent?
Heavy fines and from government
Reputation damage from customer reviews
Losing current relationship with supplier
Product quality being complaint
A Vietnamese company manufacturing electrical components has main customers from India and Cambodia. What should be your main concern when evaluating the company's short-term credit?
Its local tax incentives might be reduced.
Delayed overseas payments may cause cash flow pressure.
Export revenue will increase automatically due to exchange rates.
Its product quality may not meet EU standards.
A factory in Vietnam earns 70% of its revenue from a single large customer in Japan, the contract is renewed each year. What is the most serious concern in credit evaluation?
The strength of the Japanese yen
The factory's average daily electricity usage
Customer concentration risk if the contract is not renewed
Labor cost inflation in Vietnam
New transport rules in Vietnam require drivers to rest for 15 minutes after every 4 hours of continuous driving, leading to longer delivery times. Because of this new driving time rule, what is the most likely effect on a manufacturing company's operations?
The company will receive customer payments faster
The company will have fewer workers
The company's equipment will lose value faster
The company may have more finished goods waiting to be delivered in the warehouse
Which amount will decide authority of an application?
Financing amount
Exposure amount
Accumulated Financing amount
All are incorrect
One company has 35% sales volume which is transportation, 65% sales volume is furniture manufacture, 10% is trading. What is their CILC industry?
Manufacturing
Transportation
Trading
All are correct
How many months is it not allowed to apply consultation if previous application was withdrawn with risk? (following the recent policy)
3 months
1 month
6 months
All are incorrect
How many months is it not allowed to apply consultation if previous application was rejected?
3 months
1 month
6 months
All are incorrect
Customer wants to apply Sales and lease back with CILC with a passenger car (Toyota/Camary; Vietnam, YOM < 3 years), what is the security ratio of this asset?
0.6
0.7
0.5
0.4
A company had bad debt group 2 in recent 3 months or group 3-5 in recent 2 years is classified in?
Black list
Negative list
Watching list
Not in warning list
How many levels of credit grading is adjusted in comparison with lowest grading within recent 12 months?
2 levels
1 level
3 levels
4 levels
For Marketing Department head cases, who is first deputy of authority to join credit checking?
Marketing Manager
Marketing Leader
Credit Manager
Credit Leader
What is the right customer source for this case: the customer is introduced by a dealer which does not cooperate with CILC before, however, CO can verify this dealer?
Introduced by dealer
Introduced by other companies or individual
Introduced by broker
Unknown customer source
Which amendment item doesn't need to be reviewed by Credit department?
Change currency from USD to VND
Reduce guarantor
Reduce interest rate
Increase tenor
Which leased asset below can apply pricing for vehicle?
Container
Truck crane
Concrete pumping truck
Forklift
There are 2 applications of the same applicant which has different authorities and different MO. When will CO send report?
One report will be sent to higher authority
Two reports will be sent to higher authority at the same time
Two reports will be sent to each authority at different time
Two report will be sent to higher authority at different time
Who is the highest authority for appeal request of Deputy General Director's case about the customer source?
Credit Manager
Credit AGD
Deputy General Director
General Director
When MO wants to extend the expiration date of CA, what kind of documents they have to submit to Credit department?
Updated CIC result
Updated VAT monthly report
Updated financial bank statement
All of the above
The applicant's short term loan is higher than their working capital demand. Which situation can happen?
Use short-term loan to invest machines.
Use short-term loan to invest factories.
Use short-term loan to invest in others
All are correct
Which case does NOT need to make an appeal?
The Networth on recent FS is negative
Have established and operated for 2.5 years.
Delaying payment to social insurance e 6 months
Have bad debt group 3 in recent
Gross profit is negative, but net profit is positive. Which explanation is Not reasonable?
The applicant has export activity & earn exchange rate gain.
The applicant has profit from selling factory.
The applicant can reduce interest expense due to the decrease in bank loans.
The applicant has profit from transferring their long-term investment.
When will a lessee be recorded back to normal or remove from warning list?
Lessee is applied appeal successfully
Lessee has related company who is classified in warning list but already back to normal.
Be verified not meet criteria of black list any more
Have related person who is classified in warning list over 5 years
Who is authority to approve RFA to remove from warning list?
CO PIC who key in warning list
Authority of the CF
GD
Credit manager
What is the most reliable evidence to verify that lessee already clear bad debt with social insurance?
Reference from social insurance department officer
Bank statement
Form C12-TS for detail of Social Insurance with stamp of Social insurance dept
All are incorrect
Who is defined as related person according to our warning list guideline?
Shareholder with 30% but not the key person
GD
1&2
1 & 2 are incorrect.
Which leased asset is not applied vehicle scoring?
Truck with crane
Ambulance
Tank truck
Bus
Which method is wrong to get appraisal price for leased asset if CO cannot make reference price?
Use book value and calculate depreciation based on purchase year for sales and lease back case
Custom declaration price for entrust import financial leasing
Only take 50% of MO price for all type of leased asset
1&2
Who is the authority for waiving site checking?
Credit manager if original CA authority is credit manager and below
Credit leader
Credit manager
Authority of this CF
Waiving site checking time is count from which date?
Last CF date with site checking
Last site checking date
Last CA approval date
Last checking date
What are methods to verify if supplier for leased asset meets the requirement about core business?
Website of national business registration portal
Supplier's website
Trading reference
All are correct
Which situation should not choose withdraw with Non-risk?
Withdraw CF because the applicant has delayed their investment plan.
Withdraw CF because the applicant has weak credit base.
Withdraw CF because the applicant invest machines by their own-capital.
Withdraw CF because the applicant has borrowed money from their shareholders.
Which information can CO find in an applicant's bank statements?
Delay principal & interest with banks
Borrow money from other individuals
Related persons by verifying individuals who usually deposit and withdraw money from the applicant's bank account.
All are correct
How can CO make verify the applicant's factory when they go credit checking?
Check the address that CO visit with the registered address on Tax website.
Check the address that CO visit with the address on the rental contract (with bank statement).
Check the address that CO visit with the address on the electric bill.
All are correct
How can CO verify that the fixed asset list provided by the applicant is reliable?
Compare the asset value on the fixed asset list with FS.
Compare major machines on the fixed asset list with the actual machines on credit checking date.
1 & 2 are correct
1 & 2 are incorrect.
Which one is the most suitable method to verify internal sales revenue of manufacturing company?
Vehicle GPS record
Electric cost
AR detail
Sharing from GD
Which one will cause shorten AR turnover?
Change trading condition to collect by cash
Sale out fix asset
Increase paid up capital
Sale more inventory
Which one is the risk factor of trading invoice?
Buy and sell product from the same company
Most of major buyers are established under 1 year
High VAT issuing ratio but low cashflow in
All above
Which one is not belonged to negative list?
Audit firm gave qualified opinion and violate 3 items
Applicant just newly established 1 year ago
Delay social insurance for 8 months
Representative person now in the jail
How much is SA ratio for new HINO dumping truck with capacity 40 tons?
60%
50%
0
40%
Which countries would be considered high risk for money laundering if a client conducts transactions with buyers?
Vietnam
Iran
Democratic Republic of the Congo
Israel
How many risk factors customer violated then will be Group D?
2 items
3 items
4 items
5 items
Which one will cause VND depreciate?
Trade surplus increase
Donald John Trump invest golf courses in H°ng Yên
VN SBV raises interest rates
VN government sells bonds on the market
What's the reason for Consumer Price Index raise?
Russia-Ukraine war
COVID-19
Government invest in building North and South High speed railway
US reduces tariffs on Vietnam
Which of the following accounting items does NOT affect the Debt Service Ratio (DSR)?
Interest expense
Principal repayment
Depreciation expense
Loan amortization schedule
If applicant has scoring R8, it can be approved under which condition?
SA+SD>50%
SA+SD>30 and MA+SD can cover 30% FA
No restriction
Can be rejected only
What kind of condition that CRE shouldn't suggest?
Provide factory rental contract before disbursement
Clean O/S in other team before print out CA
No more application applicantion within 12 months
Provide payment slip for leased asset before disbursement
For site checking photos, which one is not compulsory to appear in the photos?
Marketing officer
Applicant's name board
Overall inside factory
Storage
Which audit firm is classed as first class firm in CILC?
Deloitte Vietnam
PriceWaterHouse Coopers Vietnam
Ernst & Young Vietnam
All above
In CRE-020_Industry Limitation And Warning Policy, what's the limitation for restrict industry?
SA+SD>=50%
Total O/S <=300K
SA+SD>=20%
Total O/S <=100K
Who can be authorized to use password to access system and processing case when CO in leaving period?
CO leader
CO manager
All correct
All incorrect
Which financial ratio measures a company's ability to meet its short-term obligations?
Debt to Equity Ratio
Current Ratio
Return on Equity
Price to Earnings Ratio
What does the Debt to Equity Ratio indicate?
The profitability of the company
The company's liquidity position
The proportion of debt and equity financing
The efficiency in asset utilization
If a company has a high Return on Assets (ROA), what does it imply?
The company is generating high profits relative to its assets
The company has a high level of asset
The company has poor liquidity
The company is undervalued by the market
If applicant only issue 50% of invoice, which item is CORRECT about its financial statement?
Inventory is inflated.
Sales are inflated.
Pre-tax net profit is inflated.
Accounts receivable are inflated.
If the secured asset is saving book, according to our guideline, what is the market appraisal ratio?
100%
90%
80%
70%
If CO can make reference for leased asset price, how many price reference shall be conduct by CO?
1
2
3
4
While evaluating applicant's financial liabilities, which item is NOT correct?
Check whether the customer has any records of overdue collection of bad debts
Only the change in the total amount needs to be noted; the change in the number of banks with which the customer has transactions is of little significance
Changes in the customer's balance can be observed, and any abnormal changes can be explained
Changes in the customer's bank transactions, such as increases in the amount of guarantees or guarantee items, can be observed
Restriction for case in negative list, how many months did applicant have debt group 2 recently, should be applied the appeal to get the approval to process?
1
2
3
4
How much the shares owned by investment company should be defined as the related company?
1/2
1/3
1/4
1/5
How far distance shall follow the far distance guideline?
150 KM
160 KM
170 KM
180 KM
