1 thought on “Frequently Ascending questions and reference answers”
Eric
Answer interview questions are the key links of public selection of bank staff exams, and it is also an indispensable link in the bank interview process. The following is the common bank interview questions and reference answers I brought to you. I believe it will be helpful to you. The bank common test questions and reference answers (1) The bank recruitment of new employees, considering that employees should have the following qualities, please choose three items that you think are important and sorted.
1. Enhanced moral cultivation
2. Strong learning ability
3. To establish the understanding of work while learning
4. Have normal interpersonal ability
5. A positive work attitude
6. n 7. Being able to get along well with colleagues
For sorting problems, there are two important points: one is to find the basis or principle of sorting; the other is based on this basis for this basis Or classify the options to find the category of all options.
First of all, candidates must sort out the relationship between seven quality in the question when reviewing the questions, and analyze the relationship between seven quality: option 1 is to talk about "virtue"; option 2 is to talk about talking "Energy"; options 3 and 5 are the issue of work attitude. 3 can be summarized as "humbly and easy to learn", 5 can be interpreted as "diligence", which can be classified as the category of "diligence"; options 4, 6, and 7 are " "Interpersonal Relationship", 4 of which can include 6 and 7.
In analysis, we can see that the seven items in the title can be summarized into four types of quality. Candidates can choose from four categories when choosing to avoid choosing the same options with the same content. After classification, the standards and principles of selection and sorting are involved. The selection of standards and principles is not the only one. According to the different standards, the choices and sorting are also different.
Secondly, candidates should pay attention to the logical ideas and organizational coordination ideas of thinking when they speak independently to the examiner.
. Then, in the section of free discussion in the group, candidates should pay attention to listening to the order of other candidates, summarize the overall sorting arrangement of the group to better summarize the speeches of all candidates.
Finally, the group representatives at the summary stage should pay attention to the viewpoint when speaking, and organize their own speeches under certain standards. This Frequently Ascending Test Questions and Reference Answers (2) The meaning of "real loan and real payment" and practical significance
The meaning of real payment "
" real loan real payment "refers to the progress of bank business financial institutions (lender) in accordance with the progress of loan items (fixed loans and project loans) or valid loan demand (mobile fund loan) According to the lender's withdrawal application and payment entrustment (the relevant payment list must be provided, including the contract invoice transfer check), the loan funds will be paid to the contract within the prescribed time (usually understood as T 1). The agreed borrower's payment process.
2. The practical significance of "real loan and real payment"
(1) It is conducive to introducing credit to the real economy itself. "Three methods and one guidance" By requiring the bank to pay the loan payment method paid by the borrower to the borrower in accordance with the valid credit needs and project progress of the borrower, not only the borrower "borrows", but also saves a lot of financial costs. , Can also effectively solve the problem of misappropriation of credit funds that have been criticized for a long time, supervise and ensure that bank credit funds really enter the real economy, while meeting the demand for valid credit, strictly prevent credit misappropriation, eliminate the vicious violations of the inflow of credit funds into the stock market and the property market. question.
(2) Avoid banks from transferring deposits through loans, fictional deposits, and real reflection of banking business development and national economic development. Provide real deposit data support for the state's formulation of relevant policies, which is conducive to the state's assessment of related indicators such as commercial bank deposits and loans. (Personally think it should be added)
(3) It is conducive to strengthening refined management of loan use. The "three methods and one guidance" clarify the loan payment management link in the loan process, and divide the loan funds into two categories: "trust payment" and "independent payment". At the same time, the new loan regulations have urged commercial banks to effectively improve credit risk management capabilities, especially the risk of paying and controlling the risk of payment links through strict loan payment management methods, strict loan payment management measures, and implementation of the responsibilities of the loan system. It should be pointed out that for different specifics of fixed asset loans, mobile fund loans, and personal loans, there are differences in the standards for entrusted payment. Relatively speaking, the entrusted payment standards for loans and fixed assets are stricter, while the payment standards for mobile fund loans give bank industry financial institutions more autonomy and flexibility. This differentiated management requires a targeted enhancement of loan use management, which is of great benefit to the realization of the banking financial institutions' credit risk management.
(4) It is conducive to banks to strengthen credit risks and legal risks. The "real loan and real payment" emphasize the principle of adopting the agreement and honesty loan of home and borrower. The lenders are required to agreed in the loan contract to the clause that has practical significance to strengthen credit risk, and restrict the borrower's behavior through the loan contract to lock the legal responsibility. The new loan regulations clearly proposes that the loan payment management requirements are agreed in the contract elements. The "real loan and real payment" principle In the aspects of loan funds payment management and control mechanisms, account monitoring, etc. with a loan -withdrawal condition, they all put forward new requirements for the loan contract, which is conducive to banks to strengthen the management of credit risks and legal risks. The bank common test questions and reference answers (3) It improves market competitiveness from those aspects
answers
1. Grasp high -quality customers, High -quality customers are scarce, which is the most important resource of banks
2. Enhanced service levels, high -efficiency and fast and comfortable services are banks won by banks
3. Innovative novel and effective way Facing the fast market and launching products that meet the needs of the market in a timely manner, it is the most important tactical layout of banks.
4. Improve the quality of employees, and the customer finally falls into personnel. Only with high quality talents and necessary resource talents can the bank are invincible
5. Quick and effective channel capabilities provide logistical support for bank competitiveness Bed bank interview skills 1. Basic etiquette in the interview
(1) Once the employer is with the employer After the interview time, you must arrive at the interview location 5-10 minutes in advance to show the sincerity of the job seeker and give the other party a sense of trust. At the same time, you can also adjust your mentality. Essence In order to do this, you must keep in mind the time and place of the interview. Conditional students are best to go in advance to avoid being late because they cannot find a place or delay on the way for a while. If you are late, you will definitely leave a bad impression on the recipients and even lose the opportunity to interview.
(2) Do not nervous when entering the interview. If the door is closed, you should knock on the door first and get in before getting in. The switching door should be light, and it is better to take calmness and nature. When you meet, please give up and ask the recruiters to ask for a good deal, and you should be decent. When the employer does not ask you to sit down, do not rush to sit. When the employer invites you to sit down, the sound of "thank you". After sitting down, keep a good posture, don't care about it, look around, don't care, so as not to cause resentment. When you leave, you should ask, "Is there anything else to ask?" After getting allowed, you should smile and say "goodbye".
(3) Answer the employer's questions one by one. When the other party introduces the situation, listen carefully. In order to show that you have understood and interested, you can nod or ask questions and answers appropriately. To answer the questions of the subject, the teeth should be clear, the sound should be moderate, and the answer should be concise and complete. In general, do not interrupt the questioning of the employer or answer, otherwise it will give people impression of irritability, recklessness, and impoliteness. After the question is completed, you can repeat when you don't understand. When you cannot answer a certain question, you should tell the employer truely, vaguely and indulging in the interview will fail. You must be patient with duplicate issues, and do not show impatience.
(4) During the entire interview process, maintaining elegance and generosity, talking humble and cautious, positive and enthusiastic. If
Is when the employer has more than two master test persons, who answers who answers, you should look at whom, and you should look around in time to show your respect for them. During the conversation, the eyes should pay attention to the other person in a timely manner, do not look at it, it seems careless, and the eyelids are low, and they lack self -confidence. It is also unwise actions to argue with the employer excitement. Essence Some employers specifically ask some unreasonable problems to test your reactions. If it is not handled well, it is easy to mess up, and the effect of the interview is obviously not ideal.
. The technique of the language application of the examiner
The language expression art on the interview venue marks your maturity and comprehensive literacy. For job -seekers, mastering the skills of language expression is undoubtedly important. So, how should I use the skills of conversation properly in the interview?
(1) The teeth are clear, fluent in language, and elegant. When talking, pay attention to the pronunciation accurate and the word is clear. Pay attention to the speed of control to avoid stumbling and affect the smoothness of the language. In order to add the charm of language, pay attention to the beauty of rhetoric, avoid mantra, and there must be no uncivilized language.
(2) The tone is peaceful, the tone is appropriate, and the volume is moderate. Pay attention to the correct use of language, tone, and tone during the interview. When saying hello, you should use the last language to increase the tone and bring a mop to attract the attention of the other party. When you introduce yourself, it is best to use a gentle statement, and it is not appropriate to use a sighing tone or prayer sentence. The sound is too annoying, and it is difficult to hear the sound. The volume should be based on the situation of the interview site. The two people are not too loud when they are near, and the sound of group interviews and the sound should not be too small when the venue is open. It is based on the principle of each employer that can listen to your speech.
(3) The language should be subtle, witty, and humorous. In addition to expressing clear expression when speaking, you can insert the language of humor
, so that the conversation will increase the relaxed and happy atmosphere, and it will also show your superior temperament and calmness. Especially when encountering difficulties in answering, witty and humorous language can show their clever and wisdom, help to turn danger into a good impression.
(4) Note the response of the listener. Job interviews are different from the speech, but closer to ordinary conversations. During the conversation, you should pay attention to the response of the listener at any time at
For example, the listener's heart is absent -minded, which may indicate that he is not interested in his words, and you have to try to transfer the topic; listening to the ears may indicate that it is difficult for the other party to hear the other party because his volume is too small; At the point. According to these reactions of the other party, you must adjust your language, tone, tone, volume, rhetoric, and the content of the statement in a timely manner. This can achieve good interview results.
. The technique of the application of the examiner
In fact, in the communication of daily life, people are consciously using gestures to help them express their wishes. So, how to use gestures correctly in the interview?
(1) Express the gesture of attention. In conversation with others, you must pay attention to each other's conversation, and you must show that you are listening to it. The other party can listen to your conversation happily and concentrate on your own attention and understanding, and have a good opinion of you. This is especially true during the interview. Generally, the gesture of attention is: put your hands in front of your mouth, or put your fingers under your ears; or cross your hands and lean your body forward.
4. The technique of answering questions of the examinee
(1) Grasp the key points, simple and clear, clear, reasonable. Generally, the question to answer the question should be concluded first. After the discussion is, first express your central meaning clearly, and then narrate and demonstrate. Otherwise, the long statement will make people unswerving. The interview time is limited, the nerves are a little tense, and there are too many extra words.
(2) To clarify the original committee and avoid abstraction. The employer always wants to know the specific situation of some candidates. For the different problems, some need to explain the reason, and some need to explain. Without talking about the original committee, too abstract answers often do not leave a specific impression on the subject.
(3) Confirm the content of the question, and avoid answering. During the interview, if the problem raised by the employer, I couldn't get the border for a while, so that when I did not know where to answer or it was difficult to understand the other party's question, I could repeat the question and talk about my understanding of this issue first. The other party confirms the content. If you are not very clear, you must make it clear so that you will be targeted, and you will not answer.
(4) There are personal opinions and personal characteristics. The employer sometimes receives a number of candidates, and the same questions are asked for several times, and similar answers must be listened to several times. Therefore, employers will feel tedious and boring. Only with unique personal opinions and personal characteristics can attract the interests and attention of the other party.
(5) Knowing it is known. When the interview encounters a problem that you do n’t know, do n’t understand, and you ca n’t, you can avoid flashing, silently, for far -fetched, you do n’t know how to pretend to be well -pretending. The trust and goodwill of the person.
Answer interview questions are the key links of public selection of bank staff exams, and it is also an indispensable link in the bank interview process. The following is the common bank interview questions and reference answers I brought to you. I believe it will be helpful to you.
The bank common test questions and reference answers (1)
The bank recruitment of new employees, considering that employees should have the following qualities, please choose three items that you think are important and sorted.
1. Enhanced moral cultivation
2. Strong learning ability
3. To establish the understanding of work while learning
4. Have normal interpersonal ability
5. A positive work attitude
6. n 7. Being able to get along well with colleagues
For sorting problems, there are two important points: one is to find the basis or principle of sorting; the other is based on this basis for this basis Or classify the options to find the category of all options.
First of all, candidates must sort out the relationship between seven quality in the question when reviewing the questions, and analyze the relationship between seven quality: option 1 is to talk about "virtue"; option 2 is to talk about talking "Energy"; options 3 and 5 are the issue of work attitude. 3 can be summarized as "humbly and easy to learn", 5 can be interpreted as "diligence", which can be classified as the category of "diligence"; options 4, 6, and 7 are " "Interpersonal Relationship", 4 of which can include 6 and 7.
In analysis, we can see that the seven items in the title can be summarized into four types of quality. Candidates can choose from four categories when choosing to avoid choosing the same options with the same content. After classification, the standards and principles of selection and sorting are involved. The selection of standards and principles is not the only one. According to the different standards, the choices and sorting are also different.
Secondly, candidates should pay attention to the logical ideas and organizational coordination ideas of thinking when they speak independently to the examiner.
. Then, in the section of free discussion in the group, candidates should pay attention to listening to the order of other candidates, summarize the overall sorting arrangement of the group to better summarize the speeches of all candidates.
Finally, the group representatives at the summary stage should pay attention to the viewpoint when speaking, and organize their own speeches under certain standards.
This Frequently Ascending Test Questions and Reference Answers (2)
The meaning of "real loan and real payment" and practical significance
The meaning of real payment "
" real loan real payment "refers to the progress of bank business financial institutions (lender) in accordance with the progress of loan items (fixed loans and project loans) or valid loan demand (mobile fund loan) According to the lender's withdrawal application and payment entrustment (the relevant payment list must be provided, including the contract invoice transfer check), the loan funds will be paid to the contract within the prescribed time (usually understood as T 1). The agreed borrower's payment process.
2. The practical significance of "real loan and real payment"
(1) It is conducive to introducing credit to the real economy itself. "Three methods and one guidance" By requiring the bank to pay the loan payment method paid by the borrower to the borrower in accordance with the valid credit needs and project progress of the borrower, not only the borrower "borrows", but also saves a lot of financial costs. , Can also effectively solve the problem of misappropriation of credit funds that have been criticized for a long time, supervise and ensure that bank credit funds really enter the real economy, while meeting the demand for valid credit, strictly prevent credit misappropriation, eliminate the vicious violations of the inflow of credit funds into the stock market and the property market. question.
(2) Avoid banks from transferring deposits through loans, fictional deposits, and real reflection of banking business development and national economic development. Provide real deposit data support for the state's formulation of relevant policies, which is conducive to the state's assessment of related indicators such as commercial bank deposits and loans. (Personally think it should be added)
(3) It is conducive to strengthening refined management of loan use. The "three methods and one guidance" clarify the loan payment management link in the loan process, and divide the loan funds into two categories: "trust payment" and "independent payment". At the same time, the new loan regulations have urged commercial banks to effectively improve credit risk management capabilities, especially the risk of paying and controlling the risk of payment links through strict loan payment management methods, strict loan payment management measures, and implementation of the responsibilities of the loan system. It should be pointed out that for different specifics of fixed asset loans, mobile fund loans, and personal loans, there are differences in the standards for entrusted payment. Relatively speaking, the entrusted payment standards for loans and fixed assets are stricter, while the payment standards for mobile fund loans give bank industry financial institutions more autonomy and flexibility. This differentiated management requires a targeted enhancement of loan use management, which is of great benefit to the realization of the banking financial institutions' credit risk management.
(4) It is conducive to banks to strengthen credit risks and legal risks. The "real loan and real payment" emphasize the principle of adopting the agreement and honesty loan of home and borrower. The lenders are required to agreed in the loan contract to the clause that has practical significance to strengthen credit risk, and restrict the borrower's behavior through the loan contract to lock the legal responsibility. The new loan regulations clearly proposes that the loan payment management requirements are agreed in the contract elements. The "real loan and real payment" principle In the aspects of loan funds payment management and control mechanisms, account monitoring, etc. with a loan -withdrawal condition, they all put forward new requirements for the loan contract, which is conducive to banks to strengthen the management of credit risks and legal risks.
The bank common test questions and reference answers (3)
It improves market competitiveness from those aspects
answers
1. Grasp high -quality customers, High -quality customers are scarce, which is the most important resource of banks
2. Enhanced service levels, high -efficiency and fast and comfortable services are banks won by banks
3. Innovative novel and effective way Facing the fast market and launching products that meet the needs of the market in a timely manner, it is the most important tactical layout of banks.
4. Improve the quality of employees, and the customer finally falls into personnel. Only with high quality talents and necessary resource talents can the bank are invincible
5. Quick and effective channel capabilities provide logistical support for bank competitiveness
Bed bank interview skills
1. Basic etiquette in the interview
(1) Once the employer is with the employer After the interview time, you must arrive at the interview location 5-10 minutes in advance to show the sincerity of the job seeker and give the other party a sense of trust. At the same time, you can also adjust your mentality. Essence In order to do this, you must keep in mind the time and place of the interview. Conditional students are best to go in advance to avoid being late because they cannot find a place or delay on the way for a while. If you are late, you will definitely leave a bad impression on the recipients and even lose the opportunity to interview.
(2) Do not nervous when entering the interview. If the door is closed, you should knock on the door first and get in before getting in. The switching door should be light, and it is better to take calmness and nature. When you meet, please give up and ask the recruiters to ask for a good deal, and you should be decent. When the employer does not ask you to sit down, do not rush to sit. When the employer invites you to sit down, the sound of "thank you". After sitting down, keep a good posture, don't care about it, look around, don't care, so as not to cause resentment. When you leave, you should ask, "Is there anything else to ask?" After getting allowed, you should smile and say "goodbye".
(3) Answer the employer's questions one by one. When the other party introduces the situation, listen carefully. In order to show that you have understood and interested, you can nod or ask questions and answers appropriately. To answer the questions of the subject, the teeth should be clear, the sound should be moderate, and the answer should be concise and complete. In general, do not interrupt the questioning of the employer or answer, otherwise it will give people impression of irritability, recklessness, and impoliteness. After the question is completed, you can repeat when you don't understand. When you cannot answer a certain question, you should tell the employer truely, vaguely and indulging in the interview will fail. You must be patient with duplicate issues, and do not show impatience.
(4) During the entire interview process, maintaining elegance and generosity, talking humble and cautious, positive and enthusiastic. If
Is when the employer has more than two master test persons, who answers who answers, you should look at whom, and you should look around in time to show your respect for them. During the conversation, the eyes should pay attention to the other person in a timely manner, do not look at it, it seems careless, and the eyelids are low, and they lack self -confidence. It is also unwise actions to argue with the employer excitement. Essence Some employers specifically ask some unreasonable problems to test your reactions. If it is not handled well, it is easy to mess up, and the effect of the interview is obviously not ideal.
. The technique of the language application of the examiner
The language expression art on the interview venue marks your maturity and comprehensive literacy. For job -seekers, mastering the skills of language expression is undoubtedly important. So, how should I use the skills of conversation properly in the interview?
(1) The teeth are clear, fluent in language, and elegant. When talking, pay attention to the pronunciation accurate and the word is clear. Pay attention to the speed of control to avoid stumbling and affect the smoothness of the language. In order to add the charm of language, pay attention to the beauty of rhetoric, avoid mantra, and there must be no uncivilized language.
(2) The tone is peaceful, the tone is appropriate, and the volume is moderate. Pay attention to the correct use of language, tone, and tone during the interview. When saying hello, you should use the last language to increase the tone and bring a mop to attract the attention of the other party. When you introduce yourself, it is best to use a gentle statement, and it is not appropriate to use a sighing tone or prayer sentence. The sound is too annoying, and it is difficult to hear the sound. The volume should be based on the situation of the interview site. The two people are not too loud when they are near, and the sound of group interviews and the sound should not be too small when the venue is open. It is based on the principle of each employer that can listen to your speech.
(3) The language should be subtle, witty, and humorous. In addition to expressing clear expression when speaking, you can insert the language of humor
, so that the conversation will increase the relaxed and happy atmosphere, and it will also show your superior temperament and calmness. Especially when encountering difficulties in answering, witty and humorous language can show their clever and wisdom, help to turn danger into a good impression.
(4) Note the response of the listener. Job interviews are different from the speech, but closer to ordinary conversations. During the conversation, you should pay attention to the response of the listener at any time at
For example, the listener's heart is absent -minded, which may indicate that he is not interested in his words, and you have to try to transfer the topic; listening to the ears may indicate that it is difficult for the other party to hear the other party because his volume is too small; At the point. According to these reactions of the other party, you must adjust your language, tone, tone, volume, rhetoric, and the content of the statement in a timely manner. This can achieve good interview results.
. The technique of the application of the examiner
In fact, in the communication of daily life, people are consciously using gestures to help them express their wishes. So, how to use gestures correctly in the interview?
(1) Express the gesture of attention. In conversation with others, you must pay attention to each other's conversation, and you must show that you are listening to it. The other party can listen to your conversation happily and concentrate on your own attention and understanding, and have a good opinion of you. This is especially true during the interview. Generally, the gesture of attention is: put your hands in front of your mouth, or put your fingers under your ears; or cross your hands and lean your body forward.
4. The technique of answering questions of the examinee
(1) Grasp the key points, simple and clear, clear, reasonable. Generally, the question to answer the question should be concluded first. After the discussion is, first express your central meaning clearly, and then narrate and demonstrate. Otherwise, the long statement will make people unswerving. The interview time is limited, the nerves are a little tense, and there are too many extra words.
(2) To clarify the original committee and avoid abstraction. The employer always wants to know the specific situation of some candidates. For the different problems, some need to explain the reason, and some need to explain. Without talking about the original committee, too abstract answers often do not leave a specific impression on the subject.
(3) Confirm the content of the question, and avoid answering. During the interview, if the problem raised by the employer, I couldn't get the border for a while, so that when I did not know where to answer or it was difficult to understand the other party's question, I could repeat the question and talk about my understanding of this issue first. The other party confirms the content. If you are not very clear, you must make it clear so that you will be targeted, and you will not answer.
(4) There are personal opinions and personal characteristics. The employer sometimes receives a number of candidates, and the same questions are asked for several times, and similar answers must be listened to several times. Therefore, employers will feel tedious and boring. Only with unique personal opinions and personal characteristics can attract the interests and attention of the other party.
(5) Knowing it is known. When the interview encounters a problem that you do n’t know, do n’t understand, and you ca n’t, you can avoid flashing, silently, for far -fetched, you do n’t know how to pretend to be well -pretending. The trust and goodwill of the person.