Credit Union Finance Review Material 5

The content of the 2013 Jiangxi Rural Credit Cooperatives Examination is the line test and the basic knowledge of finance, and the [Jiangxi Huatu official website] will announce the distribution of the 2013 Jiangxi Rural Credit Cooperatives Examination and the basic knowledge of finance at the first time. The specific content of the exam for basic financial knowledge has not yet been announced [Jiangxi Huatu official website], and the official website will be announced for you as soon as possible.

2013 Jiangxi Rural Credit Cooperatives Examination Schedule:

December 7, 2012 - December 26, 2012, online registration.

From January 2, 2013 to January 6, 2013, the qualified personnel of the preliminary examination printed the "Jiangxi Rural Credit Cooperatives (Rural Commercial Bank) 2013 Employment Trainee Training Course Enrollment Registration Form" online.

From January 5, 2013 to January 7, 2013, the qualified personnel of the preliminary examination shall hold the printed "Jiangxi Rural Credit Cooperatives (Rural Commercial Bank) 2013 Employment Trainee Training Course Enrollment Registration Form" and relevant documents to the designated audit point for qualification review, and pay the examination fee of 100 yuan for those who pass the review.

From January 17th to January 19th, 2013, those who pass the review will print the admission ticket online.

Before January 20, 2013, the written examination will be organized, and the specific time and place shall be subject to the admission ticket.

Before February 5, 2013, organize interviews and physical examinations.

Before March 22, 2013, the "Admission Notice" will be sent.

Financial knowledge is mainly about finance and accounting.

The CBRC may need to pay attention to the knowledge of administrative licensing of rural cooperative banks.

Xinhua Bookstore has a ** economics, which can be read in almost a day.

The test is the financial knowledge of credit unions, see "Knowledge and Skills", Chapter 1 of "Job Qualification Certification Examination".

Since Henan Rural Credit Cooperatives changed to a computer-based test in 2016, there are no short-answer questions, they are all multiple-choice questions. The distribution of the content of the exam in the previous year of last year is as follows:

Henan financial people reminded that the knowledge points of the rural credit cooperatives are relatively extensive, and if you want to get good results, your basic knowledge and knowledge expansion learning should be done in place. At present, there are 79 days left before the estimated written test time of Henan Rural Credit Cooperative, and the preparation plan will send you.

View the 2018 Henan Rural Credit Cooperatives Exam Preparation Plan.

2018 Henan Rural Credit Cooperatives Written Examination Tutoring.

You can buy it at a bookstore or online.

2013 Jiangxi Rural Credit Cooperatives Exam Content: Practical Test, Argument and Financial Basic Knowledge.

Let me give you a brief introduction to the characteristics of the 2013 Jiangxi Rural Credit Cooperatives counseling course of [Jiangxi Huatu]:

In-depth explanation of question types: On the solid basis of basic question types, increase the difficulty of practice question types.

Summarizing the problem-solving methods: Combine the key points of the problem to refine the key points, difficulties and coping strategies.

Jiangxi Huatu] in the province's 11 prefecture-level cities ([Fuzhou]] Ganzhou, Yichun, [Jiujiang]] Shangrao, [Ji'an], Jingdezhen, Yingtan, Xinyu, Pingxiang, Nanchang) simultaneously opened the 2013 Jiangxi Provincial Rural Credit Cooperatives examination tutoring course.

It's not classified, my last exam was a unified exam, and the content was economics, finance, accounting, money and banking, computer science, law, and so on. Not too difficult, but wide range. Information you go to dig treasure crown credit shandong rural credit cooperatives rural commercial bank recruitment written exam interview review materials shop:

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Finance - Test Point 1: The Origin and Form of Money.

1.The emergence of money is associated with exchange.

An inevitable product of the development of commodity exchange.

2.Marx's theory of the origin of money.

Fixed as a special commodity that acts as a general equivalent.

3.Coins. 1) The characteristics of the coin material.

High value content, easy to divide, easy to carry, easy to preserve.

2) The development and evolution of currency materials: physical currency, metal currency, credit currency, electronic currency.

4.Physical currency.

1) Definitions. Something that exists in nature or something that people produce acts as money.

2) Kind. Natural items: shellfish, salt, stones, bones, etc.

General commodities: livestock, cloth, furs, farm tools, tobacco, etc.

3) Limitations.

It is difficult to preserve, carry, and divide.

5.Metal currency.

1) Kind. Base Metal Currency *** Currency.

2) Form. Weighing currency (primitive bars): Chinese ingots.

Minting: A block of metal currency that is a piece of metal that is marked (shape, pattern, text, etc.) to prove its weight and fineness.

3) Pros. The currency value is stable, easy to carry, easy to divide, and easy to store.

4) Limitations.

Limited output, troublesome identification and weighing, high transportation costs, and waste of resources.

6.Proxy currency.

1) Meaning. Paper currency that is used to replace *** currency in circulation and can be freely exchanged with the *** it represents.

Bank Notes: A credit instrument issued by a bank.

2) Characteristics of proxy currencies.

Freely convertible, guaranteed issuance, decentralized issuance.

7.Credit currency.

1) Meaning. A non-cashable credit certificate that replaces the circulation of metal money.

2) Features. It is non-convertible, mandatory, a debt currency, and can be regulated by the central bank.

3) Meaning. facilitates the exchange of goods; Saving circulation costs; It overcomes the contradiction between the development of currency materials and exchanges; Merge money with credit.

4) Forms: cash, deposit currency, electronic money.

8.Electronic.

Refers to electronic deposit and credit payment instruments that are deposited and processed using electronic computers. It has the characteristics of paperless currency form, decentralized currency issuance, currency circulation network, and currency risk diversification.

For details, please pay attention to the Fujian Rural Credit Cooperatives Preparation Encyclopedia.

If you have any questions, please feel free to ask questions from Zhonggong Education Enterprises.

1.Briefly describe the common risks in the course of bank operations.

Analysis: The common risks in the process of bank operation are as follows:

Credit risk: Credit risk, also known as default risk, refers to the possibility that the debtor will be unable or unwilling to repay the loan and cause losses to the creditor. The main risk of banks is credit risk, which occurs not only in the loan business, but also in the on-balance sheet and off-balance sheet business such as guarantees, acceptances and investments.

Liquidity risk: The possibility of not being able to meet a client's liquidity needs in a timely manner without increasing costs or incurring a loss in the value of the asset.

Interest rate risk: The risk that the income of an economic agent will decrease or the cost will increase due to changes in interest rates.

Exchange rate risk: The possibility of losses on assets and liabilities denominated in foreign currencies held by an economic agent due to changes in exchange rates.

Operational risk: Risks caused by unsound or ineffective internal controls of enterprises or financial institutions, operational errors, etc.

Legal risk: the risk that financial institutions fail to comply with legal terms, or the legal terms are not perfect.

2.What is Monetary Demand? What are the factors that affect the demand for money?

Analysis: The demand for money is the need for all levels of society to be willing to hold property in the form of money in a certain period of time.

Factors influencing the demand for money:

1) Real income level. Generally speaking, the higher people's real income, the more money they need for daily transactions, so the level of real income affects the demand for money, which is directly proportional to the demand for money.

2) Changes in the price level. An important purpose for people to hold money is to meet daily transactions, the higher the price level, the more money is needed for daily transactions, and the more money people need.

3) Interest rates. Generally speaking, the higher the interest rate, the lower the need for people to be willing to hold property in the form of money, people always want to get more income, when the market interest rate is high, **** is low, people will be willing to exchange the currency in their hands for **, to get more income. Therefore, the market interest rate is inversely proportional to the demand for money.

4) Return on financial assets. The higher the rate of return on financial assets, the more people are willing to hold financial assets, and the demand for money decreases. Therefore, the rate of return on financial assets is inversely proportional to monetary needs.

5) The velocity of money. The velocity of money has an inverse relationship with the demand for money.

6) ** Fiscal revenue and expenditure. fiscal surplus, low demand for money; Otherwise, it is bigger.

7) Other factors: credit development status, national political situation, etc.