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KIM TRA MN K TON NGN HNG

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Cu 1: K hn ca mn vay l 6 thng, tnh t ngy 03/4/2010 n ngy 03/10/2010. Thi hn cho vay trong cng thc tnh li ca mn vay s l? a) 6 thng. b) 180 ngy. c) 183 ngy. d) C a v b u ng. Cu 2: Ngn hng thu c 1 t ng tin mt t vic bn ti sn th chp ca khch hng x l n xu: a) Ghi n TK 4591:1 t ng. b) Ghi tng cc khon phi tr 1 t ng. c) Ghi xut TK 995 : 1 t ng. d) Ghi gim cho vay khch hng 1 t ng Cu 3: Pht biu no sau y l sai: a) C 2 hnh thc m bo mn vay l i nhn v i vt. b) Pht hnh CP c xem l hot ng huy ng vn thng qua vic pht hnh giy t c gi. c) Pht mi ti sn, chuyn quyn s hu, khai thc ti sn th chp cm c ca khch hng l bin php c ngn hng p dng thu hi n qu hn. d) Mn vay trong ngn hn ca DNA, b ph sn c chuyn sang n c kh nng mt vn. Cu 4: Cc nhn nh sau ng hay sai. Ti sao? a) i vi tin gi c k hn, tin li chc chn c nhp vn khi n ngy o hn khch hnh khng n lnh vn v li. b) Li tin gi khng k hn tch theo phng php tch s. Cu 5: u, nhc im ca phng thc cho vay theo hn mc tn dng? Cu 6: Ngy 15/8/2010, ng nh Ton m s TK h hn 9 thng, s tin 200 triu ng. Li sut 0.65%/ thng, lnh li nh k vo cc ngy c th: 31/9/2010, 31/12/2010, 31/3/2011 v ngy 15/5/2011. Ngn hnh p dng phng php hch ton li d chi vo cc ngy 27 hng thnh. n ngy 30/8/2011, ng nh Ton rt ht vn gc v li bng tin mt. Bit ngn hnh cho ng nh Ton hng li kp. Li sut khng k hn l 0.2%/ thng. Cu 7: Khch hnh B c s TK 500 triu ng gi t ngy 01/9/2007, k hn 3 thng, li sut 0.705%/ thng. Ngy 15/11/2007, khch hng cn s dng 100 triu ng trong vng 7 ngy, khch hng nn lm th no p ng nhu cu vi chi ph b ra thp nht. nh khon nghip v kinh t trn. Cu 8: Khon vay ca KH Trn T l 100 triu ng, trc y hch ton vo TK N c kh nng mt vn nay c x l: Gn xit n, chuyn quyn s hu ti sn cm ca KH vi gi tr tha thun l 110 triu ng, TS ny trc y c NH thm nh 110 triu ng ti thi im cho vay. Ngn hng pht mi TS th chp, thu c 95 triu ng bng tin gi ti NH cng h thng. D phng c th Nh lp ca khon vay ny 20 triu ng.

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Cu 1: Ti sao phn ti sn trn bng cn i ca ngn hng thng mi khng phn thnh 2 loi TS ngn hn & TS di hn? Cu 2: Ti khon 4913 l ti khon: e) L TK cp 4, loi 4. f) L TK ti sn n, cp 4. g) L TK cp 3 c v tr th nht trong TK cp 3, s hiu 427. h) TK ny c s d c. Cu 3: NH thu c 1 t ng tin mt t vic bn TS th chp ca khch hng x l n xu: a) Ghi N 4591: 1 t. b) Ghi tng cc khon phi tr 1 t. c) Ghi xut TK955: 1 t. d) Ghi gim cho vay khch hng 1 t ng. Cu 4: Pht biu no sau y l sai: e) C 2 hnh thc m bo mn vay l i nhn v i vt. f) Pht hnh CP c xem l hot ng huy ng vn thng qua vic pht hnh giy t c gi. g) Pht mi ti sn, chuyn quyn s hu, khai thc ti sn th chp cm c ca khch hng l bin php c ngn hng p dng thu hi n qu hn. h) Mn vay trong ngn hn ca DNA, b ph sn c chuyn sang n c kh nng mt vn. Cu 5: Gii thch ngha ca quy tc hch ton N trc c sau trong ngn hng Cu 6: Ngy 20/6/2007 b A n ngn hng VIB rt tin gi tit kim v tt ton nh sau: Quyn 1: S tin gc 200 triu ng gi k hn 3 thng li 6.7%/nm t ngy 30/3/2007. Quyn 2: S tin gc 100 triu ng gi k hn 6 thng li 6.89%/ nm gi t ngy 25/4/2007. Bit c n ngy 27 ca thng th NH tnh d chi li. Li khng k hnh l 3.4%/nm. Tnh li ca khch hng v tt ton. Cu 7: Ngy 1/4/2004 ti NHTM A pht sinh nghip v nh sau: Ngn hng A thu n ca khch hnh D 20 triu ng (tin mt). Khon n ny NH A lp d phng 20 triu ng. ng thi NH trch d phng qu 1 nm 2004 l 100 triu ng. Cu 8: Khon vay ca KH Trn T l 100 triu ng, trc y hch ton vo TK N c kh nng mt vn nay c x l: Gn xit n, chuyn quyn s hu ti sn cm ca KH vi gi tr tha thun l 110 triu ng, TS ny trc y c NH thm nh 110 triu ng ti thi im cho vay. Ngn hng pht mi TS th chp, thu c 95 triu ng bng tin gi ti NH cng h thng. D phng c th Nh lp ca khon vay ny 20 triu ng.