I. 2019 Guizhou Province Credit Student Loan Network Answer Test Questions and Answers

Guizhou Province Credit Student Loan Network Answer Answers

Question 1: Credit Student Loan is mainly used for () A. Tuition fees B. Accommodation fees C. Tuition fees and accommodation fees D. Tuition fees, accommodation fees and living expenses

Correct

Question 2: The most important information in the basic database of personal credit information is ()A, information on transactions between individuals B, information on credit transactions between individuals and banks C, information on personal identity D, information on housing provident fund loans

False, correct answer: B

Question 3: When evaluating a person's credit status, it is usually based on the person's past performance. When evaluating a person's creditworthiness, it is usually based on the person's past credit behavior records. The following information does not belong to the credit behavior records are ()A, personal loan repayment records in the past, B, credit card use records, C, personal guarantee records, and D, remittance records

Correct

Question 4: At present, the number of times a person's personal credit report can be queried in person is limited to ()A, 1, B, 2, C, 3, and D, unlimited< /p>

Correct

Question 5: My friend used my ID card to get a loan from a bank but didn't pay it back, and the relevant information is recorded in my credit report, can I raise an objection? ()A. Yes B. No C. Yes in special circumstances D. Yes in the future

Correct

Question 6: The overdue loan repayment date of the National Development Bank's student loans (including college student loans and student loans) is ()A. January 15 B. July 15 C. 20th of each month except November every year D. 20th of each month from January to October

Incorrect, correct answer: C

Question 7: Is paying only the minimum payment on a credit card on schedule considered negative information? ()A, counts B, does not count C, after 30 days is listed as D, after the grace period has passed and still not paid is listed as

Correct

Question 8: The biggest benefit of a personal credit report to an individual is the accumulation of () for the individual, which makes it convenient for the individual to handle the credit business A, credit wealth B, wealth of knowledge C, money D, reputation

Correct

Question 9: According to the Interim Measures for the Administration of the Personal Credit Information Basic Database", all commercial banks, whether they are Chinese-funded financial institutions or foreign-funded financial institutions, should report the relevant information to () as long as they are engaged in personal credit business in China.A. Enterprise Credit DatabaseB. People's Bank of ChinaC. Personal Credit Information DatabaseD. Head Office of each commercial bank

Correct

Question 10: The following is correctly stated about the Development Bank's credit student loans from the source of students () A. Credit student loans from the source of students are credit loans B. Orphans applying for a loan from the source of students can apply for a loan without having to provide *** with the same borrower C. The maximum loan term is 14 years and the minimum is 7 years D. The loan amount is 0-6,000 yuan

Error, correct answer: A

Question 11, What if a credit report omits information about an individual's credit transactions? ()A. Temporarily unable to modify B. Unable to modify C. You can apply for objection processing through the local People's Bank of China's credit management department, the People's Bank of China's credit management department or the credit center to require commercial banks and other institutions to make up for the omission of credit transaction information D. You can apply for modifications to financial institutions

Correct

Question 12: To inquire about a personal credit report, you have to fill out ()A. Personal history B, personal bank credit C, personal credit report in person inquiry application form D, personal income

correct

Q13, the following about the early repayment application is () A, early repayment application is divided into a one-time repayment and partial repayment B, the borrower students can be submitted to the online system of student early repayment application C, the student is required to submit the county student financial aid management center Early repayment application D. Loans issued before 2010 that require early repayment can only be repaid through the correspondent bank mode, and students can't make early repayment through Alipay

Correct

Question 14: The conditions for others to view your credit report are () A. Consent of the financial institution B. Approval of the local government C. Authorization by the person D. No need

Correct

Correct< /p>

Question 15: According to the relevant provisions of the Guarantee Law of the People's Republic of China*** and the State of China, the guarantor is responsible for the repayment of the loan of the guaranteed person (), and once the borrower is unable to fulfill the repayment obligation, the bank can require the guarantor to fulfill the guarantee obligation and repay the loan in place of the borrower.A. jointly and severally liable B. partially liable C. liable for the same responsibility as the*** D. wholly liable

Error, the correct answer: A

Question 16: When holding different opinions on the credit report, to which department can you apply for objection? ()A. Verify the situation and negotiate a solution with the data reporting agency with which you have business dealings, and also submit an objection application to the credit management department of the People's Bank of China B. Submit an objection application to the dispatching agency of the China Banking Regulatory Commission C. Submit an objection application to the relevant departments of the local government D. Submit an objection application to the local bank

Correct

Q17: The duration of the student credit loan is the longest and most flexible. The longest and shortest terms of credit student loans are ()A, 14, 7B, 14, 6C, 14, 5D, 13, 6

Error, Correct Answer:B

Question 18: Negative information refers to the information that you have ()defaulted on your credit transactions in the pastA, repaid the loanB, failed to repay the loan in full and on time, paid all kinds of feesC, all kinds of FeesD, various loans, payment of fees

Correct

Question 19: Which of the following functions does the Development Bank's Student Loan System Student Online System not have ()A, early repayment applicationB, sending messages to the county student financial aid administration centerC, online application for loansD, modification of personal information

Correct

Question 20: Zhang San's 2009 applied for a credit student loan of 5,000 yuan, and the account was an Agricultural Bank of China card; in 2010, he applied for a credit student loan of 6,000 yuan, and the account was Alipay. After graduation Zhang San applied for early repayment, the money should be deposited into? ()A. The loan in 2009 was deposited into the card account of the Agricultural Bank of China, and the loan in 2010 was deposited into the Alipay account B. Both the 2009 and 2010 loans were deposited into the Alipay account C. Both the 2009 and 2010 loans were deposited into the card account of the Agricultural Bank of China D. You can choose by yourself whether to deposit into the card account of the Agricultural Bank of China or the Alipay account

Correct

Question 21: In addition to the post-loan repayment of the issued individual credit In addition to post-loan risk management of issued personal credit, commercial banks should obtain the ()A, direct B, verbal consent C, written authorization D, telephone consent of the inquired person when inquiring about personal credit reports

Correct

Question 22: Inquiring about personal credit reports, you have to provide the ()information A, the original and photocopies of your valid identity documents B, proof of my unit C, Proof of my unitD, personal loan contract

Correct

Question 23: 1. The following description of an individual's obligations in credit collection activities is incorrect () A. Provide correct basic information about the individual B. Update his or her own information in a timely manner C. Return bank loans in advance D. Care about his or her own credit record

Correct

Question 24: () means that the individual If they disagree with the wrong information in their credit reports and have not yet obtained a satisfactory solution through normal procedures, they may submit a request to safeguard their personal rights and interests by legal meansA、the right to knowB、the right to objectC、the right to rectify mistakesD、the right to judicial remedies

Correct

Question 25: The basic database of personal credit information has already covered the credit business outlets of (), including policy banks, national commercial banks, local commercial banks, local commercial banks and other commercial banks. commercial banks, local commercial banks, rural credit unions, finance companies, as well as some housing fund management centers, microfinance companies and automobile finance companies, etc. A. Some financial institutions B. National banking financial institutions at all levels C. National financial institutions at the second level or above D. National banking financial institutions at the third level or above

Correct

Question 26: The maximum duration and minimum duration of the student loans are as follows The longest and shortest terms are ()A, 14, 7B, 14, 6C, 14, 5D, 13, 6

Error, correct answer: B

Question 27: After you move, especially into a newly purchased second-hand house, you must remember to do ()at the utility company to change the name and contact information of the user of the utility bill, i.e., the head of household of the house, or it may make the credit information in the basic database of personal credit information Zhang Guanzhi, causing unnecessary trouble A, record B, registration C, description D, change

Error, the correct answer: D

Question 28, the due date for repayment of the credit student loans of the source of the student for the () A, January 1 of the last 1 year of the loan period B, the last 1 year of the loan period of the August 31st C, the loan period September 20 of the last 1 year of the loan term D. December 31 of the last 1 year of the loan term

Correct

Question 29: What benefits come with good credit? ()A. As long as you have good credit, you can get a commercial bank loan immediatelyB. As long as you have good credit, you may get preferential treatment in terms of interest rate, term and amount of the loanC. As long as you have good credit, you can surely enjoy a low-interest loan from a commercial bankD. As long as you have good credit, you can surely enjoy a low-interest loan from a commercial bank

Correct

Question 30: Zhang San applied for a credit student loan of 6,000 yuan, 5,800 yuan in tuition fees, and owed 1,200 yuan in school accommodation fees.After the loan was disbursed, ()yuan was remitted to the school account and ()yuan was remitted to his loan account. () A, 7000,0B, 5800,200C, 6000,0D, 0,6000

Correct

Question 31, the National Development Bank student loans (including college student loans and student loans) early repayment date for () A, January 15 B, July 15 C, the 20th of each month D, the 20th of each month, except for November

Correct

Question 32: Late credit information refers to () A. Information related to an individual's failure to repay the amount due in full and on time when he or she has a credit relationship with a bank B. Information related to an individual's failure to repay the amount due on time when he or she borrows a loan C. Information related to an individual's failure to repay the amount due on time and in full when he or she applies for a credit card at a bank D. None of the above Correct

Correct

Question 33: If a student loan fails to return the principal amount of the loan on time, the Development Bank will charge a penalty interest based on the amount of overdue principal and the number of overdue days, and the penalty interest rate is ()A, 130% B, 150% C, 160% D, 200% of the interest rate of the borrowed funds in the present contract

Error, Correct Answer: A

Question 34: Colleges and Universities Student loans are due for repayment on ()A. January 1 of the last year of the loan term B. August 31 of the last year of the loan term C. The specific time of each loan on the repayment confirmation D. December 31 of the last year of the loan term

Correct

Question 35: Negative information, such as late repayment, is not always recorded in an individual's credit report. International practice, most of the negative records are kept for () A, 7 years B, 3 years C, 5 years D, 5-7 years

correct

Question 36: 1. The following is a correct statement of the "difference between 1 day overdue and 180 days overdue" is () A. No matter whether it is 1 day overdue or 180 days overdue, it will be the same as the entity's current credit report. A, whether it is 1 day overdue or 180 days overdue, will as in the entity will appear in the credit report, for commercial banks to determine the risk, there will generally be a big difference B, whether it is 1 day overdue or 180 days overdue, will as in the entity will appear in the credit report but for commercial banks to determine the risk of no difference C, regardless of whether it is 1 day overdue or 180 days overdue, will as in the entity will appear in the credit report and listed as a bad record D, all of the above are incorrect

Correct

Question 37: Will paying back interest a few days late be put on your credit report? () A. Will B. Will not C. Different banks handle it differently D. Different regions handle it differently

Correct

Question 38: The application date for early repayment of China Development Bank's student loans (including college student loans and student loans from the source of origin) is () A. Before the 20th day of the month of January-October B. In addition to the 1-10th day of the month of November C. You can apply every day of January-October D. You can apply for the whole year. A. January 15 of each year B. July 15 of each year C. 20th of each month D. December 20 of each year

Correct

Question 39: The annual interest repayment date of the National Development Bank's student loans (including college student loans and student loans from the source of origin) is () A. January 15 of each year B. July 15 of each year C. 20th of each month D. December 20 of each year

Correct

Question 40: The collection of national student loans is Commercial banks and other financial institutions, in accordance with national policy, issued personal credit loans to college students in financial difficulties, since (), commercial banks and other financial institutions will be student loans and repayment and other related information reported to the basic database of personal credit informationA, the date of repayment of college studentsB, the date of the issuance of the loanC, the date of the graduation of college students into the repayment periodD, the date of the application for the loan

Correct

Correct p>Guizhou Province credit student loans online answers

Question 1: When entrusting someone to inquire about one's own credit report, the following materials are not required:(D)

Question 2: At present, the number of times that a person can inquire about his or her personal credit report in person is limited to(D)

Question 3: In addition to post-loan risk management of issued personal credits, a commercial bank inquiring about a Personal credit report should obtain the inquired person's (C)

Question 4: The following behaviors belong to the good habit of credit card spending (D)

Question 5: The personal identity information shown in the personal credit report is the latest one among the same kind of information reported by the commercial banks, if it does not match with the current actual situation, it should be changed in time to the () commercial banks to change the customer's information in order to ensure that the timeliness and accuracy of the identity information in the personal credit report. (C)

Question 6: Personal credit reports are currently mainly used for (A)

Question 7: Zhang San applied for a credit student loan of 6,000 yuan, tuition fees of 5,800 yuan, and owed 1,200 yuan in school accommodation fees, and after the loan was disbursed, (C)

() yuan was remitted to the school's account, and (D)

(A)

Question 7: Zhang San applied for a credit student loan of 6,000 yuan, tuition fees of 5,800 yuan, and owed 1,200 yuan in school accommodation fees. (C)

Question 8: When evaluating a person's creditworthiness, it is usually based on the person's past credit behavior record, and the following information does not belong to the credit behavior record (D)

Question 9: The highest and lowest amount of the credit student loan is accurately expressed as (C)

Question 10: The National Development Bank's student loan (including college student loan and (C)

Question 11: Which department can you apply for objection if you have different opinions about your credit report?A)

Question 12: What should you do if your credit report omits information about your credit transactions? (C)

Question 13: What are the benefits of having good credit? (B)

Question 14: Except for (D) when the written consent of the inquired person is not required, commercial banks must obtain the written authorization of the inquired person for inquiring a personal credit report

Question 15: Is it not negative information if a credit card is paid back only the minimum payment amount on schedule? (B)

Question 16: Which of the following functions does the online system for students of the Development Bank's student loan system not have(B)

Question 17: The credit student loans are mainly used for(C)

Question 18: Why is the record of a former overdue payment still retained on the credit report even after the payment is repaid? (D)

Question 19: The basic database of personal credit information has covered (B)credit business outlets, including policy banks, national commercial banks, local commercial banks, rural credit unions, finance companies, and some housing provident fund management centers, microcredit companies and automobile finance companies, etc.

Question 20: (D)refers to the process by which an individual disagrees with an incorrect information on a credit report and (D) means that individuals who have objections to incorrect information in their credit reports and who have not yet received a satisfactory solution through normal procedures can file a complaint with them to safeguard their personal rights and interests by legal means

Question 21: To inquire about a personal credit report, you have to provide (A) information

Question 22: The condition for others to check your credit report is (C)

Question 23: The greatest benefit of a personal credit report to an individual is that it Accumulating (A) for an individual,

Question 24: (C) means that an individual has the right to request the data reporting agencies and credit bureaus to amend the incorrect information recorded and confirmed in the individual's credit report

Question 25: My friend used my ID card to take out a loan from a bank but did not pay it back, and the information about it was recorded in my credit report, so can I raise an objection? (B)

Question 26: If an individual takes out a mortgage loan to buy a house and then sells it without going to the bank for a refinancing loan, and then the owner fails to repay the loan on time resulting in a late record on the individual's credit report, who will be held responsible? (C)

Question 27: What should I do if I forget the password of the Alipay account generated when applying for a credit student loan? (A)

Question 28: According to the Interim Measures for the Administration of the Personal Credit Information Basic Database, all commercial banks, whether they are Chinese-funded or foreign-funded financial institutions, should report relevant information to (C) as long as they are engaged in the business of personal credit in China.

Question 29: The use of credit reports can be (A) way

Question 30: Personal credit reports are issued by A().

Question 31: The annual interest repayment date of the National Development Bank's student loans (including college student loans and student loans) is (D)

Question 32: The repayment date of college student loans is (C)

Question 33: The following is correctly stated in the statement "The difference between 1 day late and 180 days late "The correct statement is (A)

Question 34: The early repayment date of China Development Bank student loans (including college student loans and student loans from the source) is (D)

Question 35: The early repayment application date of China Development Bank student loans (including college student loans and student loans from the source) is (B)

Question 36. If a student loan fails to return the principal amount of the loan on time, the Development Bank will charge a penalty interest rate based on the amount of the overdue principal and the number of overdue days, and the penalty interest rate will be (A)

Question 37: Negative information such as late repayment is not always recorded in an individual's credit report. International customary practice, most of the negative records are kept for (D)

Question 38: Late credit information refers to (A)

Question 39: Will late repayment of interest for a few days be recorded in a person's credit report?(A()

Question 40: The collection of national student loans is a personalized loan issued by financial institutions such as commercial banks in accordance with the national policy to college students in financial difficulties. Credit loans, since (B), commercial banks and other financial institutions will be student loans and repayment and other related information reported to the basic database of personal credit information

Two, multiple-choice questions (2 points per question, *** 40 points) this question *** answer 20 questions correctly to get 40 points

Question 1, commercial banks for which business, inquiries on personal credit reports should be made to obtain the written authorization from the person being inquired? (ABC)

Question 2: Where can I get the account number of my credit student loan? (AB)

Question 3: Who has a credit report (AB)

Question 4: Which of the following options are prone to negative records ABCD()

Question 5: In order to comprehensively reflect your credit status, the basic database of personal credit information collects, in addition to information on loans, information that can prove your credit status, including (ABCD)

Question 6: How do you know your credit status? p>

Question 6: There are several reasons why personal credit reports are inquired about(ABCD)

Question 7: The main method for individuals to build up a credit history is to have a credit business relationship with a bank, which mainly includes. (ABCD)

Question 8: An individual's credit information mainly includes (ABCD)

Question 9: In 2010, Li Si was admitted to Guizhou Finance and Economics College as an undergraduate majoring in finance for four years and graduated. Li Si applied for a development bank student loan of 6,000 yuan on August 5, 2010 for a period of 10 years, the following statements are wrong(ABD)

Question 10: Commercial banks for the following business, you can query the personal credit report to the basic database of personal credit information(ABCD)

Question 11: In order to pay attention to the development of a good sense of awareness and habits in daily life In order to develop good awareness and habits in daily life, individuals can start from which of the following aspects ABCD

Question 12: What is the correct expression of the following "current total overdue amount" ABCD

Question 13: What should be done if there is any disagreement with the basic information of an individual such as his name, gender, and household address? (ABC)

Question 14: In the event that a student borrower of a national student loan fails to repay the loan on time or maliciously defaults on the loan and other obvious defaults, the student financial aid administration centers at all levels have the right to take the following measures (ABCD)

Question 15: The following is correctly expressed about student loans for colleges and universities (ABD)

Question 16: The following is correctly expressed about the **** with the borrower The following expressions are correct (ABCD)

Question 17: If a student fails to return a student loan on time and is in default for a long period of time, after the default information has been loaded into the People's Bank of China's personal credit system for many times, what will be the adverse effects on the defaulting student's future work and life? (ABCD)

Question 18: In the personal credit report, the negative information is ABCD(

Question 19: Which of the following are overdue behaviors, which will be recorded in the credit report: (ABC)

Question 20: Regarding the extension of the loan and the credit record, the correct statement is (BD)

Three: Judgmental questions (each question is 1 point,***20 points) 1 point,***20 points)This big question***Answer 20 questions correctly, get 20 points

Question 1, forget the Alipay password to get a loan, you can reset the password through the Student Financial Assistance Center or the National Development Bank wrong

Question 2, the retention period of negative records is calculated from the date of repayment of the loan, retained a certain period of time on

Question 3, you can just look at other people's credit reports. Wrong

Question 4: When examining a person's credit status to decide whether to lend, commercial banks should also consider the credit status of the person and his or her spouse right

Question 5: The record of arrears in Hainan will not affect the obtaining of a personal housing loan in commercial banks in Fujian Province wrong

Question 6: A credit report is an individual's "economic identity card". ". Right

Question 7: My friend used my ID card to take out a loan from a bank but did not repay it, and the relevant information is recorded in my credit report, so I can file an objection application with the People's Bank of China's credit management department Wrong

Question 8: SMEs are usually required to review the personal credit status of the owners of the SMEs when applying for a loan Right

Question 9: In real life, the credit agency's Question 10: The maximum number of overdue periods is the historical maximum of the current number of overdue periods.

Question 11: Students in provinces where student loans have been launched can also apply for college student loans at their schools.

Question 12: Currently, it is possible to check one's personal credit report directly on the Internet.

Question 13: The information on national student loans is also part of the national student loan system.

Question 14: The information on national student loans is also part of the national student loan system. The information on national student loans also belongs to the scope of collection of the basic database of personal credit information wrong

Question 14: If you don't take out loans or use bank cards, your credit must be good wrong

Question 15: When a student loan student graduates, he or she can have the teacher of the university do the confirmation of graduation, and doesn't need to go to the online system of the National Development Bank's student loan students to apply for the loan on his or her own wrong

Question 16: Since I've already repaid the loan, I can apply for the loan on my own, Since I have already repaid the loan, the relevant information should be deleted from the basic database of personal credit information, so the personal credit system does not collect the credit information that I have already repaid Wrong

Question 17: Repaying the interest a few days late will not be entered into the personal credit report Wrong

Question 18: Students who apply for the subsidized loan for the extension of the discount procedure must be the same year of graduation, and then be enrolled in a higher level academic qualification.

Question 19, late refers to the repayment date deadline is still not fully repaid on

Question 20, the credit report does not distinguish between "good faith" arrears and "bad faith" arrears on ;

2. Will your state seal the city in 2021?

I am Guizhou, will not seal the city, the eye Guizhou and no relevant news leaks, the epidemic is also within reasonable control, it is impossible to seal the city, do not talk nonsense.

Three, Guizhou Province, the birth of a credit student loan network to answer the question can answer a few times, I entered the exam...

Search: how many times can I answer the question of Guizhou Province student credit student loan network, I entered the examination management, but it is blank, what should I do?

Four, 2012 Guizhou Province, sophomore students for the first time to review the application of student loans have restrictions?

No, as long as you meet the students need to meet the following basic conditions and nationality of the country; (b) honest and trustworthy, abide by the law; (c) the students themselves before enrollment (before entering colleges and universities) domicile, *** with the borrower (student parents or other legal guardians aged 25-60 years old between) domicile in the Wudang District; (d) be full-time ordinary undergraduate colleges and universities, Higher vocational schools and higher specialized schools (the list of schools to the Ministry of Education public acceptance notice of the new students, colleges and universities in the two bachelor's degree students. Students enrolled in colleges and universities who have received state grants and loans in colleges and universities in the same year shall not apply for loans from the land of origin at the same time; (e) students enjoying state grants for ordinary high schools (referring to new students admitted to colleges and universities in the current year); (f) families of economically disadvantaged students under one of the following conditions: 1. Rural households in special hardship and urban households; 3. Suffering from natural or manmade disasters that cause major losses and are unable to afford the costs of students' enrollment; 4. Immediate family members suffering from major diseases (to be issued by the people's hospital at or above the county level certificate); 5. Single-parent families where the main income generator of the family has a fixed income; 7. Old, young, border, poor and remote rural poor side of the unemployed families; 9. Yuan RMB; 10. Other poor families. Second, the materials to be submitted to apply for loans . This year