2020年银保监真题及解析，银保监财经岗2021真题解析

备注银保监会的考生们经过艰苦奋斗，准备获得面试的入场券。 其次，各位考生要更加认真地着手准备考试。 在这里，安徽时代区邦整理了银保监会面试中的英语真题和解析，为考生的备考提供支持。

英语真题分析范例

1.talkabouthowyouadapttothechallengesoflife .【财经岗黑龙江省银监局】

Well，in my opinion，today \’ sworldischangingextremelyfast， andtheglobalstructurehastransformedinvariousways.soasanewuniversitygraduatestudentithinkthereareafewthingsishalldotokeepup WIP myselfwelltothechallengesoflife.firstly，iwillsticktolearningnewknowledgeasitcanbethemostvitalfaaaaction

future. Secondly，iwillkeepplayingsportsasagoodhealthisratherimportantformetoadaptdifferentjobtasksinthefuture.thirdly， iwillearntobuildupmoreteamworkspiritinordertoworkbetterandmoreefficientlywithotherworkmatesinthefuture。

2.shouldbanksgivecreditcardstocollegestudents？ andhowtogivecollegestudentscreditcards？ 【财经岗内蒙古银监局】

Well，thisquestionisrathercomplicatedformetoanswer，but in my view， idonotreallysupportthatbanksshallgivecreditcardstocollegestudents.sincetherearehugepotentialrisksifbanksissuecreditcardstoth tcomestohowtogivecollegestudentscreditcards，ibelievethereareseveralstepswhichmustbetakentocontrolormanagethehiddenrisks.filesks allcommercialbanksshouldsetupanindependentsectorordepartmenttobuildacompletecreditriskregulatorysystemtoevaluateeachstudent \’ \’ systemtoevaluateeachstudent \’ dit record.secondly，commercialbanksshallhaveclosecontactwitheuniversitiesinordertogainathortinatogatinathortinortintogatintiortiologated

shouldkeepcontactwithstudentsthemselvesregularlyinordertoknowabouttheirtrueusageofapplyingforcreditcards.lastly， commercialbanksshouldaswellsetupasafeandsoundmortgageorguaranteemeasurestopreventthepotentialrisks。

3 .英语问题：谈谈不良债权上升的原因、对策。 (财经岗河南省银监局)

banklendingwithhighcreditandlowinterestratesisoneofthemostcommonsourcesoflendinginfinancialmarkets.mostcorporateprojectsandlectsand refinancedthroughbankloans.however，bankshavegotalotofnon-performingloansduringthe

开发流程。

whatcanbeattributedtothreeaspects？ First，thecreditoftheborrower.aloanisalsocalledcredit.itisafinancialproductbasedoncredit.generally speaking， theriskofaloanismainlyfromthecreditriskoftheborrower.second，bankinvestigationandriskmanagement.theloanisthebasicbusinesssssinesssser andtherighttomakeloansisthebankitself，sothenon-performingloansituationislargelyrelatedtothebankitself.themostimportantttth whichrequiresathoroughinvestigationoftheborrowerbeforetheloancheckingifheiseligibleforaloandhowmuchecanlend.third、 theproblemoflocalfinancingplatform.accordingtothesurveyreport，therearemanypeobelievethatbanks \’ non-performingloangloanks

measuresshouldbetakentosolvethisproblem:bank non-performingloansgenerallyfallintotwocategories:oneistheborrowermaliciousliem andoneisbecauseoftheshortageoffunds，theshorttermisunabletorepay.inthefirstcase，bankshouldchecreditofborrowerbeforeleled thebankwillcontinuetoloantheborroweraftertheevaluationgandhelpborrowersthroughlendingmoneytopaydebt.thebankwilltake

legalactionagainstmaliciousevasionoftheloan.thestandardprocessistobringtheborrower \’ scollateraltocourtforauction。

对于第一次准备报考的考生，大家在银保面试准备中有什么问题的话，请在评论区交流分享~