CRM的灵魂是数据仓库。()

判断题对于商业银行的监督管理，银行业监督委员会还可以采取审慎性监督管理谈话，其作用是使监管人员与被监管的银行业金融机构保持持续不断的沟通。()

判断题按照风险从小到大排序，依次是储蓄存款，优先股，商业股，商业票据，公司债券。()

判断题如果办理保险后反悔，在30天反悔期内可办理全额退保，但需支付退保手续费，过期则除支付手续费外，已缴纳保费将不退回。()

判断题买入看涨期权，当标的物价格为协议价格与期权费之和时，达到盈亏平衡。()

判断题世纪70年代以来金融衍生产品迅速发展最主要、最直接的原因是基础金融产品的品种越来越丰富。()

判断题即期交易中，标准交割日是指成交后第二个营业日交割。()

判断题国际资本流动的根本动力是扩大商品销售。()

判断题个人理财业务中，流动性比例是指资产在未发生价值损失的条件下迅速变现的能力。()

未分类题某商业银行由X、Y两个核心业务部门构成，其总体经济资本为120亿元，假设单独计算X、Y业务部门的非预期损失分别为60亿元、90亿元，则应当给X、Y业务部门配置的经济资本分别为()。

未分类题()是通过专业数据供应商所获得的数据，或者从税务、海关、公共服务提供部门、征信系统等记录客户经营和消费活动的机构获得的数据。

未分类题下列选项中，不属于财产担保的是()。

未分类题借助货币资金供应总量的变化影响宏观经济的发展规模和速度指的是金融市场的()。

未分类题For the purpose of expanding its business, Drinking Co intended to get a loan of RMB 30 million yuan for two years from City Bank and was willing to provide shares of TCL, a listed company, as a guarantee. On 15 June 2012, the two parties entered into a loan agreement and pledge agreement, which stipulated that Drinking Co should provide 10 million TCL shares as the pledge of rights. On 16 June 2012, they went to the relevant statutory institution and jointly applied for a pledge registration of TCL shares. On the date of registration, the price of TCL shares held by Drinking Co was RMB 5?00 share, total market value of the shares was 50 million yuan.Six months after the registration of the pledge agreement, the price of TCL shares rose to RMB 6?00 share because of the substantive good news for the securities market. Having analysed the latest market situation, Drinking Co intended to sell the shares under the pledge and make an early repayment with the gains from such transactions. City Bank, however, disagreed with the proposal on the grounds that the debt under the loan agreement did not mature and this would cause liquidated damages to City Bank if Drinking Co insisted on the proposal. A dispute emerged between the two parties.Required:Answer the following questions in accordance with the Property Law of China, and give your reasons for your answers:(a) state the date on which the right to pledge was established and the institution the pledge should be registered with; (4 marks)(b) state the institution which the pledge should be registered with if TCL were a limited liability company; (2 marks)(c) state whether City Bank was entitled to refuse the proposal of Drinking Co to sell the shares and make an early repayment. (4 marks)

未分类题Trading Co issued an offer to Textile Company to sell 1,000 tons of imported cotton. Among other things, the offer contained the terms and conditions as follows:(i) price of cotton – RMB 20,000 yuan ton;(ii) payment – 30% of total price payment in advance, remaining 70% payment at the time of delivery of the goods;(iii) transport of goods – cost to be borne by Textile Company, delivery within seven days after the conclusion of the contract.Upon receipt of the offer, Textile Company replied via a fax to Trading Co which stated: ‘We accept all the terms and conditions of your offer and will take delivery of the goods within seven days upon the conclusion of this contract. Please keep the cotton in good condition and with sound package.’ Trading Co received the fax but did not respond to it.Textile Company hired a logistics company, five days after sending the fax, to take delivery of the cotton from Trading Co but failed to take any goods from Trading Co. Trading Co insisted that it was not under a contractual obligation to sell the goods to Textile Company, as there was no contract between the two parties. Trading Co stated further that the fax sent by Textile Company added the term ‘keep the cotton in good condition and with sound package’, which should be regarded as additions to the offer and constituted a counter-offer by Textile Company, rather than an acceptance. Therefore, the two parties did not reach an agreement on the terms and conditions for the sale of the cotton.Required:In accordance with the Contract Law of China, analyse the scenario and discuss:(a) whether there was a contract between Trading Co and Textile Co, and explain your reasoning; (8 marks)(b) the legal nature of Textile Company’s fax to Trading Co. (2 marks)

未分类题(a) You are the manager responsible for the audit of Dylan Co, a listed company, and you are reviewing the working papers of the audit file for the year ended 30 September 2012. The audit senior has left a note for your attention:‘Dylan Co outsources its entire payroll, invoicing and credit control functions to Hendrix Co. In August 2012, Hendrix Co suffered a computer virus attack on its operating system, resulting in the destruction of its accounting records, including those relating to Dylan Co. We have therefore been unable to perform. the planned audit procedures on payroll, revenue and receivables, all of which are material to the financial statements. Hendrix Co has manually reconstructed the relevant figures as far as possible, and has supplied a written statement to confirm that they are as accurate as possible, given the loss of accounting records.’Required:(i) Comment on the actions that should be taken by the auditor, and the implications for the auditor’s report; and (7 marks)(ii) Discuss the quality control procedures that should be carried out by the audit firm prior to the audit report being issued. (3 marks)(b) You are also responsible for the audit of Squire Co, a listed company, and you are completing the review of its interim financial statements for the six months ended 31 October 2012. Squire Co is a car manufacturer, and historically has offered a three-year warranty on cars sold. The financial statements for the year ended 30 April 2012 included a warranty provision of $1·5 million and recognised total assets of $27·5 million. You are aware that on 1 July 2012, due to cost cutting measures, Squire Co stopped offering warranties on cars sold. The interim financial statements for the six months ended 31 October 2012 do not recognise any warranty provision. Total assets are $30 million at 31 October 2012.Required:Assess the matters that should be considered in forming a conclusion on Squire Co’s interim financial statements, and the implications for the review report. (6 marks)