1、银行与金融机构监管练习试卷 1及答案与解析 一、英释汉 1 Branches of the Peoples Bank of China stopped direct lending to local financial institutions and refinancing was made only to the head offices of commercial banks by the Peoples Bank of China. 2 Should any of the aforesaid acts result in a loss, the person directly in c
2、harge and other persons held direct responsibility shall bear part of or all the liabilities for compensation. 3 China Banking Regulatory Commission shall, in accordance with law, exercise supervision over financial institutions and their business operations to maintain the legitimate, stable and so
3、und operation of the financial industry. 4 Before extending a loan, a commercial bank shall conduct strict examination of its purpose, the capability of the borrower and form of repayment as well as other relevant matters. 5 A commercial bank shall not engage in trust investment of stock business, o
4、r invest in real estate not for its own use. 6 Sound and effective regulation and, in turn, the confidence it brings is important for the integrity and development of the markets. 银行与金融机构监管练习试卷 1答案与解析 一、英释汉 1 【正确答案】 中国人民银行的分支机构不再直接向地方金融机构提供贷款，仅由中国人民银行为商业银行总行筹措资金。 【知识模块】 银行与金融机构监管 2 【正确答案】 如果上述行为导致了亏
5、损，主管人员和负有直接责任的人员都要承担部分或全部赔偿责任。 【知识模块】 银行与金融机构监管 3 【正确答案】 中国人民银行依法对金融机构及其业务经营进行监管，以确保金融业合法、稳定、良好地运转。 【知识模块】 银行与金融机构监管 4 【正确答案】 在发放贷款前，商业银行要对借款的目的、借款人的偿付能力、偿债方式以及其他相关问题进行严格的审查。 【知识模块】 银行与金融机构监管 5 【正确答案】 商业银行不得进行股票的信托投资，不得对非自用的房地产业进行投资。 【知识模块】 银行与金融机构监管 6 【正确答案】 健全有效的制度以及制度所带来的信心对于市场的诚信和发展也很重要。 【知识模块】 银行与金融机构监管
