- 单选题
1、按分行《中国银行股份有限公司新疆分行信息系统安全生产总体管理规定》第十九条 计算机终端用户职责 第六、不得在网点的ＵＰＳ电源回路上使用其它电气设备。以下哪种做法不合规（D）
Article 19 of the Xinjiang branch of the Xinjiang Bank Limited Regulation on the General Management of the Security Production of Information Systems. Computer end-user duties. Sixth, no other electrical equipment may be used on the UPS circuits of the network. Which of the following practices is not compliant (D)
A、 网点卷帘门不应接入ups电源上。
A. Curtain doors should not be connected to the ups power source.
B、 网点卷帘门是由分行总务部负责设计、安装、维护，建议由总务部安排对网点卷帘门手动装置进行检修
B. Curtain doors are designed, installed and maintained by the branch's General Services Department and it is proposed that manual repairs be made to the Curtaingate doors by the branch's Ministry of General Services.
C、 按网点消防要求，网点消防达到合格，必须设立应急后门，若有应急后门，不存在卷帘门交接库问题。
C. In accordance with the network fire-fighting requirements, the network fire-fighting facility is qualified and must have an emergency back door and, in the case of an emergency back door, there is no problem with the curtain door switch.
D、 网点卷帘窗及卷帘门可接入ups电源统一管理。
D. An access to the ups power source is managed in a uniform manner through the web-point curtains and doors.
2、关于《新疆分行内控合规问责与奖励办法2013年版》规定，直接连带问责的连带扣分为直接当事人被扣分值的（B）
2. In the 2013 edition of the Accountability and Incentives for Internal Control Compliance in Xinjiang Branch, direct and associated accountability is divided into (B) deductions for direct parties
A、1/3? B、1/2? C、1/4? D1/1
3、中国银行建立了内部控制三道防线：（ A ）是内部控制的第一道防线，通过自我评估、自我检查、自我整改、自我培训，实现自我控制。法律合规部门与业务条线部门负责统筹内部控制制度建设，指导、检查、监督和评估第一道防线的工作，是内部控制第二道防线。稽核部门负责通过系统化和规范化的方式，检查评价全行经营活动、风险管理、内部控制和公司治理的适当性和有效性，是内部控制的第三道防线。
3. The Bank of China has established three lines of internal control: (A) is the first line of internal control. Self-control is achieved through self-assessment, self-censorship, self-reform and self-training. The legal compliance department and the operational line department are responsible for coordinating the development of the internal control system, directing, inspecting, monitoring and evaluating the work of the first line of internal control.
A、全行各级机构、各业务管理部门和每个员工在承担业务发展任务的同时也承担内部控制的责任
A. Corporate, operational management and individual staff members with operational development responsibilities also assume internal control responsibilities
B、各二级分行内控牵头部门C、基层网点D、全行基层网点员工
B. Inner control lead department C, base point D, line-wide grass-roots site staff
4、间接连带问责指在内外审检查、总行和（ A ）、监督等他查中发现的问题，必须连带至更高层级的管理者，最终至分（支）行行长及分管副行长。连带层级不同，连带问责扣分为直接问责人员的1/4至1/10。间接连带问责扣分比例按不同管辖层级设定。
4. Indirect joint and several accountability refers to issues identified in his investigations, including internal and external audits, head offices and (A), oversight, which must be accompanied by a higher-level manager, with the end-to-sub-director and sub-director. Different levels of joint and several accountability are divided into 1/4 to 1/10 directly accountable persons. Indirect joint and several accountability deductions are set at different levels of jurisdiction.
A、 区分行条线业务检查B、监察部分检查C、各二级行条线检查D、基层机构
A. Distinguishing Line Line Operations Inspection B, Inspection Part C, Level 2 Line Check D, Grassroots Establishments
5、我国商业银行的贷款利率由（C）确定。
5. The interest rate on loans from our commercial banks is determined by (C).
A、中国人民银行B、商业银行自由
A. Freedom of the People's Bank of China, B. Commercial Bank
C、商业银行根据中国人民银行规定的贷款利率的上下限
C. Upper and lower limits for commercial banks based on loan interest rates set by the People's Bank of China
D、商业银行与客户协商
D. Consultations between commercial banks and clients
6、员工发现并及时报告或制止他人违规行为的，经当事人书面申请、业务主管部门确认、内控牵头管理部门认定后可予以奖励加分（A）
6. Incentives for staff who detect and report in a timely manner or deter violations by others may be awarded upon written request by the parties, confirmation by the business authorities, and determination by the internal control lead management (A)
A、2分 B、1分 C、0.5分 D、3分
A, 2 points B, 1 point C, 0.5 points D, 3 points
7、问责对象申诉的，应通过评价考核系统提出并报法律与合规部，由检查监督部门负责核实处理，由（C）负责复议与终审。
7. A complaint by an accountable person shall be filed and reported to the Department of Law and Compliance through the Evaluation and Evaluation System, which shall be verified and processed by the Inspection Oversight Department and reviewed and finalised by (C).
A、监察部? B、人力资源部? C、法律与合规部 D、办公室
A, Inspection Department, B, Human Resources Department, C, Legal and Compliance Department, D, Office
8、按照《内控合规管理标准》将内控合规管理由定性管理转化为定量管理，将各种业务操作和管理依问题的风险程度按很低、低、中、高、很高赋予其违反标准要求的扣分分值。具体为：（B）
To convert internal control compliance management from qualitative management to quantitative management in accordance with the Internal Control Compliance Management Standards, and to assign low, low, medium, high and high deduction values to operations and management depending on the level of risk. Specifically: (B)
A、0.1≤很低<0.5分、0.5分≤低<3分、3分≤中<5分、5分≤高<7分、 7分≤很高
A, 0.1 low & lt; 0.5, 0.5 low lt; 3 = medium & lt; 5 = high lt; 7; 7 ~ very high
B、0.1≤很低<1分、1分≤低<3分、3分≤中<5分、5分≤高<7分、 7分≤很高
B, 0.1 per cent & lt; 1 per cent, 1 per cent < 3 per cent < 5 per cent, 5 per cent & lt; 7; 7 per cent & very high
C、0.1≤很低<1分、1分≤低<2分、2分≤中<5分、5分≤高<7分、 7分≤很高
C, 0.1 per cent & lt; 1 per cent, 1 per cent < 2 per cent, 2 per cent < 5 per cent, 5 per cent & lt; 7; 7 per cent & very high
D、0.1≤很低<0.5分、0.5分≤低<1分、1分≤中<3分、3分≤高<5分、5分≤很高
D, 0.1 per cent < 0.5, 0.5 per cent & lt; 1 per cent, 1 per cent & lt; 3 per cent, 3 per cent & lt; 5; 5 per cent & 5 per cent
9、下列外部事件造成的损失中，不应计算在操作风险损失的是（D）
Of the losses caused by the following external events, the operational risk loss should not be calculated: (D)
A、火灾造成营业场所设施损毁
A. DESTRUCTION OF OCCUPIED FIELD FACILITIES BY FREEDOM
B、黑客攻击交易系统导致交易失败造成财务损失
B. Financial losses due to failure of transactions due to hacking of trading systems
C、机构现金被偷窃造成损失
C. Losses due to theft of institutional cash
D、地震造成客户损失，导致其无法偿还贷款。
D. The earthquake caused losses to clients and prevented them from repaying their loans.
10、每周自查、每月自查、动态自查工作由（B）负责执行
10: Weekly self-check, monthly self-check, dynamic self-checking carried out by (B)
A、业务经理B、基层机构负责人C、基层机构副主任D、以上均可
A. Operational manager B, head of grass-roots institutions C, deputy director of grass-roots institutions D and above
11、以下哪一项不属于《中国银行营业机构员工十个严禁》（2013版）中的规定（D）
11. Which of the following do not fall within the provisions of China's Ten Banes on Employees of Banking Establishments (2013 edition) (D)
A、严禁违规使用业务印章；
A. Infringement of the use of business seals is strictly prohibited;
B、严禁用个人账户过渡、归集客户资金；
B. The transition from a personal account to the collection of client funds is strictly prohibited;
C、严禁经办本人业务；
C. It is strictly forbidden to carry out one's own business;
D、严禁为企业、个人融资提供担保；
D. Guarantees for enterprise and personal financing are strictly prohibited;
12、巴林银行交易员NICK LEESON 未经授权在新加坡国际货币交易所从事东京证券交易所日经225股票指数期货合约交易失败，致使巴林银行亏损6亿英镑，至此巴林银行宣布倒闭。此案例反映的是哪种类型的银行风险。（D）
The Bank of Bahrain declared the bank to be closed. What type of bank risk is reflected in this case?
A、市场风险B、信用风险C、流动性风险D、操作风险
A. Market risk B, credit risk C, liquidity risk D, operating risk
13、下列说法不正确的是（D）
13- The following is incorrect: (D)
A、操作风险存在于日常工作的各个领域
A. Operational risks in various areas of day-to-day work
B、系统存在的漏洞、产品设计不合理、核心团队流失、客户伪造材料等导致的损失都属于操作风险
B. Losses due to gaps in the system, inappropriate product design, loss of core team, counterfeiting of materials by clients, etc. are all operational risks
C、员工业务不合规
C. Non-compliance with staff operations
D、自然灾害或意外事故造成的损失不是操作风险
D. Losses due to natural disasters or accidents are not operational risks
14、操作风险管理应遵循（B）的原则来开展，即操作风险管理应与本行面临的内外部环境相适应，并根据经营战略、理念、外部经济、政治及监管环境变化及时调和完善，同时还应与具体业务规模、复杂程度和特点相适应，并在风险管理成本和收益之间寻求合理平衡。
14, should follow the principle of (B) that operational risk management should be adapted to the internal and external environment facing the Bank and be adjusted and refined in a timely manner in accordance with changes in the business strategy, philosophy, external economy, politics and regulatory environment, and should be adapted to the specific scale, complexity and characteristics of the business and seek a reasonable balance between risk management costs and benefits.
A、风险最小化 B、及时调整、成本与收益相匹配
A. Risk minimization B, timely adjustment, cost-to-benefit matching
C、满足监管需要 D、满足战略发展
C. Meeting regulatory needs D. Addressing strategic development
15、风险与控制评估（RACA）讨论组会议时，每个业务流程应至少选派（B）名熟悉业务流程、控制的专家参与讨论组会议。
15. At the risk and control assessment (RACA) discussion group meetings, at least (B) experts familiar with business processes and controls should be selected for each business process to participate in the discussion group meetings.
A、1 B、2 ?C、3? D、4
16、固有风险是在没有考虑现有控制及其作用的情况下，在开展业务和进行操作的过程中面临的内在的固有操作风险，剩余风险是在充分考虑了流程中已有控制手段及其作用后的风险。根据以上描述，以下表述正确的是（A）
16 Inherent risk is the inherent operational risk in the course of operations and operations without taking into account existing controls and their role, and the residual risk is the risk of taking full account of the controls already in place in the process and their role. Based on the above description, the following is correctly stated (A)
A、剩余风险=固有风险－控制措施 B、固有风险中不包含剩余风险
A. Residual risk = inherent risk - Control measures B, inherent risk does not include residual risk
C、固有风险=控制措施－剩余风险 D、全面操作风险=固有风险+剩余风险
C. Inherent risk = control measures — residual risk D, full operating risk = inherent risk + residual risk
17、业务条线部门的操作风险管理职责不包括以下哪一项（D）
17. Which of the following (D) is not included in the operational risk management responsibilities of the line department
A、推动本条线的操作风险管理实施? B、指导和协助分行进行实施
A. Facilitating the implementation of operational risk management along this line?
C、管理控制本条线所面临的风险? D、制定操作风险管理制度
C. Managing risks to the line of control? D. Developing an operational risk management system
18、某银行储蓄所吊顶脱落，砸伤2名员工导致残废，经协调，员工内部退养，并赔偿医疗费，此事件是否属于操作风险事件？（A）
Is this an operational risk? (A)
A、是
A. Yes.
B、否
B. No
19、关键风险指标（KRI）是反映关键操作风险发生可能性、影响度或某一控制有效性的一系列统计数据，实现对风险的定量跟踪监测。（B）
The key risk indicator (KRI) is a set of statistics reflecting the likelihood, impact or effectiveness of a key operational risk to achieve quantitative tracking of the risk. (B)
A、操作风险事件内容
A. Operational risk event content
B、操作风险事件统计数据
B. Operational risk incident statistics
C、估值
C. Valuation
D、流程指标
D. Process indicators
20、损失数据收集门槛是指收集操作风险造成毛损失数据的起点金额，该起点金额为（A）
The threshold for the collection of data on losses refers to the threshold amount for the collection of data on gross losses due to operational risks, which is (A)
A、1万B、5万C、10万D、20万
A, 10,000 B, 50,000 C, 100,000 D, 200,000.
21、操作风险计量方法包括哪些？（D）
21. What are the operational risk measures?(D)
A、基本指标法B、标准法C、高级计量法(AMA)D、以上皆是
A. Basic Indicator Method B, Standard Method C, Advanced Measurement (AMA)D, all above
22、根据我国现行法律，残缺、污损的人民币，可以按照中国人民银行的规定进行兑换，并由（A）。
22. In accordance with the laws in force in our country, the missing and damaged renminbi may be exchanged in accordance with the regulations of the People's Bank of China and by (A).
A、中国人民银行负责收回、销毁
A. The People's Bank of China is responsible for recovery and destruction
B、中国人民银行监督商业银行进行收回、销毁
B. Supervision by the People's Bank of China of the recovery and destruction of commercial banks
C、中国人民银行授权商业银行负责收回、销毁
C. The People's Bank of China empowers commercial banks to recover and destroy
D、国家指定专门机构负责收回、销毁
D. National designation of specialized agencies responsible for recovery, destruction
23、操作风险损失数据收集的事件形式多种多样，以下选项中不需要收集是：（C）
23. The types of events in which risk loss data are collected are diverse, and the following options do not require collection: (C)
A、操作失误（常见的如短款、出纳错误）、涉及内部人员的案件等。
A. Operational errors (frequent such as short payments, cashier errors), cases involving internal personnel, etc.
B、外部行为或破坏造成的损失，例如偷窃、抢劫、外部欺诈、恶意破坏。
B. Losses caused by external conduct or damage, such as theft, robbery, external fraud, malicious destruction.
C、市场价格不利变动，交易人员判断失误造成损失。
C. Unfavourable changes in market prices and losses resulting from miscalculations by traders.
D、意外造成的损失，例如工作场所受伤、工作用车交通事故、意外丢失客户资料导致的赔偿或罚款。
D. Unforeseen damages, such as workplace injuries, work vehicle traffic accidents, compensation or fines resulting from accidental loss of customer information.
24、操作风险的严重度是根据风险的（B）来确定的。
The severity of the operational risk is determined on the basis of risk (B).
A、非财务影响及损失数额B、概率及影响C、原因及影响D、可能性及损失金额
A. Non-financial impact and amount of loss B, probability and effect C, cause and effect D, probability and amount of loss
25、以下关于RACA主要作用的描述，哪项是正确的？(D)
What is the correctness of the following description of the main role of RACA?(D)
A、可以实现对操作风险的量化计算。
A. A quantitative calculation of operational risks can be achieved.
B、有助于业务管理部门从“被动参与”转为“自发开展” ，提高操作风险管理有效性。
B. Helping business management move from “passive participation” to “sponsored-out” and improving operational risk management effectiveness.
C、有利于对风险进行识别并推动对其进行防范，使防范风险、扼制大要案件关口前移。
C. To facilitate the identification of risks and to promote their prevention, enabling risk prevention and containment of high-profile cases to move ahead.
D、B和C皆正确。
D, B and C are correct.
26、法律禁止用来设定抵押的财产是（A）。
Property that is prohibited by law from imposing a mortgage is (A).
A.土地所有权
A. Land ownership
B.抵押人依法有权处分的国有的土地使用权、房屋和其他地上定着物；
B. State land tenure, housing and other land fixtures which the mortgager is legally entitled to dispose of;
C.抵押人依法有权处分的国有的机器
C. State-owned machinery to which the mortgager is legally entitled
D.抵押人依法有权处分的交通运输工具
D. Means of transport that the mortgager is legally entitled to dispose of
27、为保护存款人利益，查询存款账户要法律授权，下列单位中不具有完整的查询、冻结、扣划存款权力的部门是（D）。
In order to protect the interests of depositors, access to deposit accounts is authorized by law, and the following units do not have full powers to search, freeze or depose deposits: (D)
A、人民法院? B、税务机关? C、海关? D、审计机关
A, People's Court, B, Tax Authority, C, Customs, D, Audit Authority
28、商业银行及其分支机构自取得营业执照之日起无正当理由超过（B）个月未开业的,由国务院银行业监督管理机构吊销其经营许可证,并予以公告。
28. Commercial banks and their subsidiaries that have not opened their business for more than (B) months since the date on which they have obtained their licences, are revoked and announced by the Banking Supervision Authority of the State Council.
A、3? B、6 C、12 D、18
29、根据《商业银行法》的规定，商业银行可以在境内（B）。
In accordance with the provisions of the Commercial Banks Act, commercial banks may be present in the territory (B).
- 从事信托投资和股票业务B. 代办保险
C.向非银行金融机构和企业投资D.从事股票业务
C. Investment of D. in stock operations to non-bank financial institutions and enterprises
30、根据《银行业监督管理法》的规定，银行业金融机构违反审慎经营规则且逾期未改正的，国务院银行业监督管理机构可以对其采取下列措施，其中不包括（D）
The Banking Supervision Authority of the State Council may take the following measures against banking financial institutions that violate prudential rules and are overdue under the Banking Supervision Act, excluding (D)
A．限制资产转让B．限制分配红利C．责令暂停部分业务D．促成机构重组
A. Limitation on the transfer of assets B. Limitation on the distribution of dividends C. Ordering the suspension of some operations D. Contribution to institutional restructuring
31、下面描述中哪些关于操作风险与信用风险和市场风险的关系的描述是正确的：（C）
What is the correct description of the operational risk in relation to credit risk and market risk in the following description: (C)
A、操作风险与信用风险、市场风险是独立的，相互之间没有关系
A. Operational and credit risks, market risks are independent and not related to each other
B、信用风险损失可能由操作风险导致，但是市场风险损失不可能由操作风险导致
B. Loss of credit risk may result from operating risk, but market risk loss cannot result from operating risk
C、信用风险损失、市场风险损失都可能由操作风险导致
C. Loss of credit risk, loss of market risk may be caused by operating risk
D、市场风险损失可能由操作风险导致，但是信用风险损失不可能由操作风险导致
D. Loss of market risk may result from operating risk, but loss of credit risk cannot result from operating risk
32、以下哪一情景，总行各职能部门需要开展触发式评估工作：（B）
The following scenarios require trigger assessment by the functional units of the main line: (B)
A、辖内发生案件，涉案金额100万元以上（含100万元）
A. Cases involving more than 1 million yuan (including 1 million yuan)
B、同业重大案件或本职能部门内发生的系统性风险
B. Major peer cases or systemic risks within the function
C、分行职能部门自行开发的业务流程发生重大变化
C. Significant changes in business processes developed by branch functions
D、地方监管机构或管理层要求发起的
D. Initiation at the request of local regulatory bodies or management
33、在固有风险识别过程中，需要遵循：（C）
33. Inherent risk identification processes need to be guided by: (C)
A、只需要识别前5项风险
A. Just need to identify the top five risks
B、所有风险都需要识别
B. All risks need to be identified
C、识别对部门业务和管理目标的实现有重要影响的主要风险
C. Identification of key risks that have a significant impact on the achievement of departmental operational and management objectives
D、以上描述都不正确
D. The above description is incorrect
34、当事人对保证方式没有约定的，按照（A）承担保证责任。
If the parties have not agreed on the means of undertaking, they are liable under (A).
- 连带责任保证B. 一般保证C.抵押D. 质押
35、关于商业银行的内部控制措施，下列表述错误的是（D）。
With regard to the internal controls of commercial banks, the following formulation is incorrect: (D).
A、有关控制措施包括“高层检查”，即董事会与高级管理层应要求下级部门及时报告经营管理情况和特别情况，以检查内部控制的实施状况以及在实现内部控制目标方面的进展。高级管理层应根据检查情况提出内部控制缺失情况，督促职能管理部门改进
A. Control measures include a “high-level inspection”, whereby the Board of Trustees and senior management should request the lower levels to report on management and special circumstances in a timely manner in order to check the status of implementation of internal controls and progress towards the achievement of internal control objectives.
B、有关控制措施包括“审批与授权”，即根据若干限制条件对各项业务、管理活动进行审批与授权，明确各级的管理责任
Control measures include “approval and delegation of authority”, i.e. approval and authorization of operations and management activities under a number of restrictions, with clear managerial responsibilities at all levels
C、有关控制措施包括“不兼容岗位的适当分离”
C. Control measures include “appropriate segregation of incompatible positions”
D、有关“实物控制”的主要措施包括实物限制、单人保管和定期盘存等
D. Main measures relating to “physical control” include physical restrictions, individual custody and periodic inventories
36、商业银行内部控制评价包括过程评价和结果评价。其中结果评价是对（B）的评价。
The evaluation of internal controls of commercial banks includes process and outcome evaluations. The evaluation of results is the evaluation of (B).
A、内部控制环境、风险识别与评估 B、内部控制主要目标实现程度
A. Internal control environment, risk identification and assessment B, degree of achievement of the main internal control objectives
C、信息交流与反馈? D、内部控制措施、监督评价与纠正
C. Information exchange and feedback? D, internal control measures, oversight evaluation and correction
37、我国商业银行的资本充足率不得低于（A）。
The capital adequacy rate of our commercial banks must not be lower (A).
A、8% ?B、10%? C、15%? D、20%
38、下列属于违法行为的是（C）。
The following are offences (C).
A、滥用职权B、越权交易C、收受贿赂D、违反决策程序制定重大决策
A. Abuse of authority B, ultra vires transaction C, taking bribe D, making major decisions in violation of decision-making procedures
39、“授权有限”、“审核监督”、“互相牵制”是（B）的三条重要原则。
39 “Limitation of powers”, “Demonstration and oversight”, and “interlocking” are three important principles of (B).
A、循规守法B、内部控制C、合规经营D、遵章守纪
A. Compliance B, Internal Control C, Compliance D, Compliance D, Compliance
40、每期动态自查工作完成后，应向分行上传（A）
40. Upon completion of each phase of the self-examination, upload to branch (A)
A、动态自查样本清单
A. Dynamic self-checking sample list
B、动态自查表
B. Dynamic self-censorship
C、动态自查业务培训卡、流程图
C. Dynamic self-checking of business training cards, flowcharts
D、以上均有
D. All above
41、员工如实向上级反映情况是银行（C）的重要前提之一。
An important prerequisite for a bank (C) is an honest presentation of the situation by its employees to its superiors.
A、以诚待客 B、提高效率C、保持诚信D、规范服务
A. Hospitality B, efficiency C, integrity D, normative services
42、机构每日自查应在（C）完成
42. Agency self-censorship on a daily basis should be completed (C)
A、上午B、营业终了结账前C、营业终了结账后D、尾箱交接后
A.A., B., C. before closing, D. after closing.
43、根据《中国银监会关于促进银行业金融机构进一步加强案件防控工作的通知》，大型机构是指集团并表总资产为( B )元人民币及以上的银行业金融机构。
According to the Circular of the China Banking Supervisory Board on the promotion of banking financial institutions to further strengthen case prevention and control, large institutions are banking financial institutions whose total assets are (B) yuan and above.
A、1万亿人民币及以上? B、2万亿人民币及以上
A, RMB 1 trillion and above? B, RMB 2 trillion and above.
C、3万亿人民币及以上? D、5千亿人民币及以上
C, RMB 3 trillion and more? D, RMB 500 billion and more.
44、出于对银行服务及员工个人的感谢，客户主动提供的贵重物品，员工必须婉言谢绝，无法婉拒而接受的（A）。
44. Thanks to the banking services and the employees themselves, the valuables offered by the clients must be rejected by the employees and cannot be accepted (A).
A、原物或折价交公? B、留下自用? C、转送他人 D、暂存办公室
A, original or discounted transport?
45、必须满足下列所有条件，员工方可担任社会兼职：对社会有益、不是盈利性机构、不领取薪金、不影响工作业绩、（B） 。
All the following conditions must be met in order for an employee to be able to work part-time in society: socially beneficial, not a profit-making institution, not paid, without prejudice to work performance. (B)
A、参与经营性活动B、不引发利益冲突 C、作为第二职业D、代理业务属于银行经营范围
A. Participation in business activity B, no conflict of interest C, as a second occupation D, agent business falling within the scope of banking operations
46、根据《中国银监会关于促进银行业金融机构进一步加强案件防控工作的通知》，对大型机构和中型机构，按照上一年度案件风险金额占核心资本比例（百分比）的( A )提高最低资本充足率要求。
In accordance with the Circular of the China Banking Supervisory Board on the promotion of banking financial institutions to further strengthen case prevention and control, the minimum capital adequacy rate (A) for large and medium-sized institutions has been increased according to the proportion of core capital (per cent) of the risk value of cases in the previous year.
A、两倍? B、三倍 C、五倍
A, twice? B, three times. C, five times.
47、员工获得奖励后，有下列情况之一的，撤销其奖励：（A）。
Once an employee has received an incentive, the incentive is withdrawn in one of the following cases: (A).
A、有违规、违纪现象发生? B、工作失误，但未造成损失
A. Infractions, infractions, B. Mistakes, but no loss
C、年度绩效考核不佳? D、有违反公共道德现象发生
C. Poor annual performance appraisals? D. Infringements of public morality
48、不属于员工奖励范畴的表现为（D）。
48. Performances that do not fall within the scope of employee incentives are (D).
A、保护国家和中行利益，挽救损失有突出贡献
A. Protecting national and middle-level interests and saving losses makes an outstanding contribution
B、对促进业务发展，改善经营管理做出显著贡献
B. Making a significant contribution to promoting business development and improving business management
C、保守银行机密，维护中行声誉有突出事迹D、做好本职工作，完成绩效目标
C. Preservation of bank secrecy, maintenance of Chinese reputation with a prominent D, performance and performance objectives
49、员工受到处分后，处分决定应（A）通知本人。
When an employee is disposed of, the decision to dispose of shall be notified to him/her (A).
A、书面 B、电话? C、口头 D、他人转达
A. Written B. Telephone? C. Oral D.
50、重大经济损失指违规造成（C）元以上经济损失。
Significant economic loss is the economic loss of more than (C) yuan as a result of the violation.
A、100万 B、200万 C、500万 D、1000万
A, 1 million B, 2 million C, 5 million D, 10 million
51、根据《中国银行新疆分行分（支）行内控合规管理问责办法》，下列哪一项属于本办法的使用范围（ D ）
51. According to the Xinjiang branch of the Bank of China, which of the following falls within the scope of use of the scheme (D)
A、限于基层机构网点主任、业务经理、综合柜员
A. Directors of grass-roots institutional networks, operations managers, integrated clerks
B、限于分行部门内设团队负责人
B. Team leaders limited to branches
C、一级分行、直属分行部门内设团队负责人
C. Heads of teams within the level 1 branch, direct branch
D、辖内各二级分（支）行、乌鲁木齐各管辖支行、分行营业部各级在岗人员，包括劳动合同制用工及劳务派遣制用工
D. Subdirectorate II, Urumqi, branch and branch office personnel at all levels, including labour contract workers and labour dispatch workers
52、根据《中国银行新疆分行分（支）行内控合规管理问责办法》，问责实行以下哪项原则 （ D ）
52. Under the Xinjiang branch of the Bank of China, which of the following principles apply to accountability, in accordance with the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang branch of the Xinjiang Bank
A、问责实行实事求是的原则B、问责实行有法必依的原则
A. Principle B of accountability for realism and the rule of law for accountability
C、问责实行违法必究的原则D、问责实行直接问责、连带问责和绩效挂钩问责的原则
C. Principle D on accountability for infractions, principle D on accountability for direct accountability, associated accountability and accountability for performance
53、根据《中国银行新疆分行内控合规管理问责奖励办法》，每季末由内控合规部门将考核结果发送绩效考核部门。属诫勉谈话、引咎辞职的分别由监察、人力资源部门实施。属经济处罚的由（ A ）据以扣减绩效。
53. Under the Xinjiang branch of the Bank of China's Internal Control Accountability Incentives for Compliance Management, the internal control compliance department sends the results of the evaluation to the performance appraisal department at the end of the season.
A、人力资源部? B、法律与合规部? C、稽核部? D、监察部
A. Department of Human Resources, B. Department of Law and Compliance, C. Department of Audit, D. Department of Inspection
54、经营性机构的业务条线部门每季度按照“二级分（支）行内控过程评价与考核指标评定标准”规定的内容和标准进行自评由内控牵头部门审核、汇总,于次月的风险管理与内部控制委员会审议通过后，并由行长签字审批后在月初（D）个工作日前（第4季度评价与考核表须在年末最后一个工作日前）上报分行法律与合规部。
The operational line departments of the operating agencies conduct quarterly self-assessments in accordance with the content and criteria set out in the “Standards for the evaluation and evaluation of indicators for the internal control process at the secondary level” by the lead internal control department, which is reviewed, aggregated, adopted by the Risk Management and Internal Control Committee the following month and approved by the Director-General at the beginning of the month (D) working days (fourth quarter evaluation and appraisal forms are to be submitted to the branch legal and compliance department prior to the last working day at the end of the year).
A、3? B、5 C、10 D、15
55、对被内控考核评价为( B )（含）以下的机构列为内控重点监控行，实施重点辅导和监控。
55. Focused internal controls on institutions evaluated as (B) and below are implemented through focused coaching and monitoring.
A、B+? B、B? C、C+ D、C
56、《二道防线检查工作指引》的基本原则主要包括：以板块为单位组织开展检查工作；针对不同层级机构实施差别化检查；在检查过程中注重（A）
The basic principles of the Guidelines on Second Line Inspections include, inter alia: organization of inspections in blocks; implementation of differentiated inspections for different levels of institutions; and focus during inspections (A)
A、政策制度的传导和业务指导 B、制度执行力 C、业务培训 D、问责规范
A. Transfer of policy systems and operational guidance B, system implementation C, business training D, norms of accountability
57、二道防线检查项目组根据检查通知书确定的时间，进驻受检单位，由项目组长采取恰当形式，向受检单位简要介绍检查目的、（C）、检查范围、人员分工和工作要求等。
57. The second line inspection project team, at the time determined by the inspection notification, is placed in the inspected unit, in an appropriate form being provided by the project leader to brief the inspected unit on the purpose of the inspection, (C), the scope of the inspection, the division of labour and the requirements of the work.
A、检查制度? B、检查培训? C、检查内容? D、检查时间安排
A, inspection system? B, inspection training? C, inspection content? D, inspection schedule.
58、对各二级经营性机构的内控考核评价最终得分=（A）
Final score for internal control evaluation of secondary operating institutions = (A)
A、｛经营性机构第1、2、3季度考核评价分值*60%（各占20％）+经营性机构第4季度考核评价分值*40％）｝/10-评价考核限制扣分（按照总分20分百分制进行折算）。
A. {Audit evaluation scores for the first, second and third quarters of an operating institution* 60% (20% each) + Evaluation scores for the fourth quarter of an operating agency*40%)}10 - Evaluation test limits deductions (converted according to the total 20 points percentage system).
B、｛经营性机构第1、2、3季度考核评价分值*50%+经营性机构第4季度考核评价分值*50％）｝/10-评价考核限制扣分（按照总分20分百分制进行折算）。
B. {EPR *50% in the first, second and third quarters of an operating agency + EPR *50% in the fourth quarter of an operating agency)}10 - EOE limit deductions (converted on the basis of a total 20-cent rate).
C、｛经营性机构第1、2、3、4季度考核评价分值各占25％加权平均+｝/10-评价考核限制扣分（按照总分20分百分制进行折算）。
C. {Ambassador's evaluation scores in quarter 1, 2, 3 and 4 each account for 25% weighted average 10 - Evaluation of the evaluation limit deductions (converted on the basis of a total 20-centile percentage).
D、｛经营性机构第1、2、3季度考核评价分值*60%（各占20％）+经营性机构第4季度考核评价分值*40％）｝/10-评价考核限制扣分（按照总分10分百分制进行折算）。
D. {O.A. Quarterlys 1, 2 and 3 60% (20% each) + O.A. Q. + 40% + O.E. Q. + 4 * 40%)}10 - Evaluation Examinations Restricted Deductions (converted according to a total score of 10 points per cent).
- 多选题
1、根据银监会颁布《商业银行内部控制指引》，商业银行内部控制评价是指对商业银行内部控制体系对建设、实施和运行结果而独立开展的调查、测试、分析和评估等系统性活动。银行内部控制评价组成部分是（ABC）
1. According to the Guidance on Internal Control in Commercial Banks issued by the Bank's Supervisory Board, the evaluation of internal control in commercial banks refers to systematic activities such as independent investigation, testing, analysis and evaluation of the results of the construction, implementation and operation of the commercial bank's internal control system. The internal control evaluation component of the bank is ABC.
A、过程评价? B、效果评价 C、限制评价三个部分? D、信息交流
A. Process evaluation? B, impact evaluation C, limitation of the three components of evaluation D, information exchange
2、对员工有以下情况的予以正向加分奖励，按每季度为一个加分积累期进行汇总，每一个加分积累期均从零开始。其中参加总分行（不含二级行层面）举办的各类业务测试，经法律与合规部认定，成绩在90分（含）以上的给予正向加分，加分分值依据包括：（ABCDE）
The Department of Law and Compliance determines that the award of a performance of 90 cents or more is positive plus on the basis of: (ABCDE)
A、95分≤测试成绩≤100分，加1分；
(a) A, 95; test results ~ 100; plus 1;
B、90分≤测试成绩<95分，加0.5分；
B, 90; test results & lt; 95; plus 0.5;
C、80分≤测试成绩<90分，不加分；
C, 80 = test results & lt; 90 = no credit;
D、测试成绩<80分，扣0.5分。
D. Test achievement & lt; 80 points, minus 0.5 points.
E、测试成绩加分不适用于全职从事营销、客户引导等不直接从事业务操作、管理的人员。
E. Test achievement plus does not apply to persons engaged in full-time marketing, client orientation, etc. who are not directly involved in operations and management.
3、员工获得各类业务内控合规奖项可正向加分，包括：（ABC）
3. Staff receiving compliance awards for various types of operations, including: (ABC)
A、 获得总行级别的员工一次加分3分；
A. A three-point bonus for staff at the head office level;
B、 获得分行级别的此类奖项的一等奖可加分2分，二等奖1.5分，三等奖1分，鼓励奖0.5分；
B. A first-level award of this kind at the branch level may be awarded an additional two points, a second-level prize of 1.5 points, a third-level prize of 1 point and an incentive of 0.5 points;
C、 获得各二级机构本层级此类奖项的各机构自行设置加分分值，由各二级机构自行制定问责奖励办法予以执行。
C. Institutions receiving such awards at the level of the various tiers set their own value additions, and each tier establishes its own accountability incentives to implement them.
D、 获得分行级别的此类奖项的一等奖可加分2分，二等奖1分，三等奖0.5分。
D. The award of the first category of such awards at the branch level may be increased by 2 points, the second category by 1 point and the third category by 0.5 points.
4、《新疆分行内控合规管理问责奖励办法》所称的问责及奖励，是指对获得（）与（）进行问责扣分的员工，按季考核进行相应的奖励或责任追究。考核按每季度为一个得分积累期进行汇总，每一个得分积累期均从零开始。（ABC）
4. Accountability and rewards for management accountability for compliance within the Xinjiang branch are defined as incentives for staff who receive () and () deductions for accountability, and are awarded or held accountable on a quarterly basis. The appraisals are aggregated on a quarterly basis for a crediting period, with each crediting period starting from zero. (ABC)
A、相应奖励加分? B、违反分行《内控合规管理标准》中操作标准化要求
B, violation of standard operating requirements in the branch Internal Control Compliance Management Standards
C、违反业务管理规定? D、自查违规
C. Violations of operational management rules?
5、操作风险管理三大工具分别是（ABC）。
The three main tools for operational risk management are ABC.
A、风险与控制评估（RACA）B、关键风险指标（KRI）
A. Risk and Control Assessment (RACA) B, Key Risk Indicators (KRI)
C、损失数据收集（LDC） D、计提资本金
C. Data collection on losses (LDC) D, capital drawings
6、被问责对象分为（ABC）层级
6. ABC Levels of Accountability
A、 直接责任人: 对违反标准要求的经办人员的问责
A. Persons directly responsible: accountability of operators for violations of standards
B、 直接连带责任人: 直接连带问责是对直接责任人所在机构层级的管理者实施的连带问责。
B. Direct joint and severally responsible persons: Direct and severally accountable is the joint and severally enforced accountability of managers at the institutional level where those directly responsible are located.
C、 间接连带责任人: 间接连带问责是对直接责任人所在机构以上层级的各级监督管理人员实施的连带问责。
C. Indirectly joint and severally responsible persons: Indirect joint and several accountability is exercised by oversight managers at all levels above the level of the agency where the person is directly responsible.
7、下列各类检查扣分问责的特殊情况说法正确的有（ABCDE）
7. The following special cases for checking accountability for deductions are correctly described (ABCDE)
A、 同一季度内不同检查的同一问题按一次扣分；
A. The same issue for different inspections within the same quarter is subject to one deduction;
B、 同一次检查发现的多次违规及业务差错的，如属同一违规或业务差错的按一次扣分；
B. One deduction for multiple violations and operational errors found during the same inspection, in the case of the same violations or operational errors;
C、 若干员工在同一时间内发生的相同违规或业务差错的应分别扣分；
C. The same violations or operational errors committed by several employees at the same time shall be subject to separate deductions;
D、 员工自查发现的问题，主动汇报的应予以免除扣分。
D. Discounts shall be waived when the staff member examines the problems that he or she has identified on his or her own initiative.
E、 各机构自查发现的问题在整改期内再次被他查发现，问责对象可进行申诉撤销他查扣分问责。
E. The problems identified by the agencies themselves were once again identified by him during the whole conversion period, and the person responsible could file a complaint to remove his accountability for deductions.
8、《问责奖励办法》规定，如若出现有下列情况的：（ABCD），可根据实际情况按扣分标准的2到4倍加重扣分处理
The Accountability Incentives provides that deductions may be increased by two to four times the deduction criteria, depending on the circumstances, if: (ABCD)
A、主观故意违规的行为；
A. Acts committed with intent to commit an offence;
B、屡查屡犯、重复出现的问题；
B. Repeated and recurring problems;
C、授意、指使、强令员工进行违规操作；
(c) To instruct, direct and compel employees to perform irregular operations;
D、无正当理由未按要求整改的问题。
D. Unjustified failure to adjust as required.
9、针对各级机构的内控过程评价主要是对（ABCD）、信息与交流等五大要素的评价。
9. The evaluation of internal control processes for institutions at all levels is mainly an evaluation of the five main elements of ABCD, information and communication.
A、内部控制环境B、风险评估与管理C、内部控制活动D、监督与纠正
A. Internal control environment B, risk assessment and management C, internal control activity D, oversight and correction
10、开展各层级内部控制评价工作的意义在于（ABC）
10. The significance of conducting internal control evaluations at all levels lies in (ABC)
A、通过实施内部控制评价活动，有助于督促商业银行进一步建立健全内部控制体系和内部控制机制，为全面风险管理体系的建立奠定基础；
A. The implementation of internal control evaluation activities helps to urge commercial banks to further develop sound internal control systems and internal control mechanisms and to lay the foundation for a comprehensive risk management system;
B、有助于外部监管部门和内部高级管理层客观全面了解一个分支机构内部控制状况，从而达到促进其内部控制过程各体系目标的进一步实现。
B. To contribute to an objective and comprehensive understanding by external oversight services and internal senior management of the internal control status of a branch office, thereby achieving further the objectives of the systems that contribute to its internal control process.
C、商业银行通过内控评价在排风险、找差距、堵塞漏洞的同时，更多地是可以帮助被评价机构通过评价发现问题进行整改，从而完善内控管理机制，进一步建立长效内控管理机制，培育良好的内控文化，建立完善高效的风险评估机制，实施健全有效的控制活动，构建科学、完善的内控体系。
C. Commercial banks, through internal controls, can help evaluate institutions improve the internal control management mechanism of /span>, further develop long-acting internal control mechanisms, foster a good internal control culture, establish efficient and effective risk assessment mechanisms, implement sound and effective control activities, and build scientific and sound internal control systems.
11、巴塞尔委员会制订了一些协议、监理标准与指导原则，以完善与补充单个国家对商业银行监管体制的不足。其中《巴塞尔新资本协议》包含三大支柱，它们是：（ABC）
11. The Basel Committee has developed a number of protocols, supervisory standards and guidelines to improve and complement individual country regulatory regimes for commercial banks. The Basel New Capital Accord comprises three pillars, namely: (ABC)
A、最低资本要求为8%
A. Minimum capital requirement of 8 per cent
B、监管部门的监督检查
B. Oversight and inspection by regulatory authorities
C、市场纪律
C. Market discipline
D、有效的货币政策
D. Effective monetary policy
12、操作风险是由不完善或有问题的（ABCD）造成损失的风险。
Operational risk is the risk of loss caused by imperfect or problematic (ABCD).
A、内部程序B、员工操作、信息科技系统C、外部事件D、法律风险
A. Internal Program B, Personnel Operations, Information Technology System C, External Event D, Legal Risks
13、操作风险造成的损失可对商业银行以下（ABCD）等几个方面造成的不利影响。
Losses due to operating risks can have adverse effects on commercial banks (ABCDs) and others.
A、财务状况B、客户/服务、员工、C、声誉影响D、法律/监管
A. Financial position B, clients/services, employees, C, reputational impact D, law/regulation
14、操作风险“管理”是指对操作风险进行（ABCD）的过程。
Operational risk “management” refers to the process of performing (ABCD) operational risk.
A、主动识别B、评估、监测C、控制或缓释D、监测和报告
A. Proactive identification B, assessment, monitoring C, control or relief D, monitoring and reporting
15、一个完整的风险描述应包括以下哪些组成部分（ABCD）。
15. Which of the following components should be included in a complete risk description (ABCD).
A、风险发生的环节信息 B、相关人员和风险情况
A. Risk chain information B, persons involved and risk profile
C、风险造成的影响及后果 D、引发风险的原因
C. Impact and consequences of the risk D. Causes of the risk
16、风险与控制评估（RACA）工作的结果可以应用于以下领域（ABCD）等。
The results of the risk and control assessment (RACA) exercise can be applied in the following areas, etc.
A、可优化业务流程和控制B、内控检查与评价C、基层机构自查D、风险提示
A. Business process optimization and control B, internal control inspection and evaluation C, grass-roots self-checking D, risk alerts
17、关键风险指标（KRI）的作用是（ABCD）。
The key risk indicator (KRI) has the role of ABCD.
A、它是监控操作风险的重要手段
A. It is an important means of monitoring operational risks
B、它是建立风险监控体系的重要工具之一
B. It is one of the key tools for establishing a system of risk monitoring
C、它能帮助验证其他操作风险管理工具和流程的运用结果
C. It can help validate the results of other operational risk management tools and processes
D、进一步确保操作风险管理体系的有效性
Further ensuring the effectiveness of the operational risk management system
18、关键风险指标（KRI）阀值的设定方法有（ABCD）。
The key risk indicator (KRI) threshold is set by ABCD.
A、观察关键风险指标数值及所用数据的历史趋势B、专业人员的专业判断
A. Observation of values of key risk indicators and historical trends in the data used, B. Professional judgement
C、行业标准、竞争者信息D、我行现有的政策；风险对业务的影响评估
C. Industry standards, competitor information D, policies in place; risk impact assessment of operations
19、操作风险损失数据收集（LDC）是操作风险管理三大工具之一，主要工作包括对操作风险损失数据的（ABC）。
Operational risk loss data collection (LDC) is one of the three main tools for operational risk management, the main work being on operational risk loss data (ABC).
A、识别 B、收集汇总 C、分析报告D、测量风险
A. Identification B, collection aggregation C, analysis D, measurement of risks
20、操作风险损失数据的收集工作（LDC）主要作用有（ABCD）。
The primary role of the operation of risk loss data collection (LDC) is that of ABCD.
A、满足监管合规要求
A. Meeting regulatory compliance requirements
B、对损失金额大或发生频率高的环节有针对性的开展操作风险管理
B. Operational risk management targeted at segments where the amount of loss is significant or has occurred with high frequency
C、从数据中吸取教训，可以优化风险控制措施
C. Learning from data to optimize risk control measures
D、为实施新资本协议操作风险高级计量法积累高质量的数据
Building up high-quality data on operating high-risk measures for the implementation of new capital agreements
21、你认为日常工作中以下哪些保护措施可以避免操作风险（ABCD）。
What are the following protection measures in your day-to-day work that, in your view, avoid operational risks (ABCDs)?
A、严格遵守双十禁
A. Strict observance of the two-ten ban
B、不瞒报、延报或漏报违规案件、责任事故等重大事项
B. Significant matters such as non-reporting, late or underreporting of violations, liability incidents, etc.
C、工作不报有侥幸心理，按正确的操作流程办理每一笔业务
C. Failure to report on work and conduct every operation according to the correct operating procedures
D、加强业务学习
D. Strengthening business learning
22、中国银行业实施新资本协议的重大目的是什么？（ABCD）
22. What are the major objectives of a new capital agreement in China’s banking sector? (ABCD)
A、借鉴先进风险管理理念和方法
A. Building on advanced risk management concepts and methodologies
B、促进商业银行改进风险计量手段
B. Promoting improved risk measurement by commercial banks
C、健全风险管理组织体系
C. A sound organizational system for risk management
D、全面提升风险管理能力
D. Improving risk management capacity across the board
23、多数操作风险事件中都会存在人员因素，那么操作风险中的人员原因包括（ABCD）
23. Personnel factors are present in most operational risk events, so the human causes of operational risk include (ABCD)
A、人力资源配置不合理B、人员技能不够C、人员管理不善D、道德素质
A. Unjustified human resources B, lack of skills C, mismanagement D, moral integrity
24、下列外部事件造成的损失中，属于操作风险损失的是：（ABC）
24. Losses attributable to operational risk were incurred by: (ABC)
A、火灾造成营业场所设施损毁
A. DESTRUCTION OF OCCUPIED FIELD FACILITIES BY FREEDOM
B、黑客攻击交易系统导致交易失败造成财务损失
B. Financial losses due to failure of transactions due to hacking of trading systems
C、机构现金被偷窃造成损失
C. Losses due to theft of institutional cash
D、地震造成客户损失，导致其无法偿还贷款
D. Loss of customers due to the earthquake, resulting in non-payment of loans
25、以下关于基层经营性机构自查工作正确的有：（ABD）
25. The following is correct with regard to the self-examination of grass-roots operating institutions: (ABD)
A、营业网点应按要求做好每日自查、每周自查、每月自查、动态自查工作
A. Operation sites should perform daily, weekly, monthly, dynamic self-checking as required
B、月查必需由网点负责人执行完成，特殊情况下可转授权给副主任或业务经理执行，同时做好交接记录
B. Monthly checks must be carried out by the head of the network and, in exceptional cases, delegated to the deputy director or operations manager, along with handover records
C、为避免漏查，每日自查工作可以提前完成
C. In order to avoid leaks, daily self-censorship can be completed ahead of schedule
D、负责自查工作的人员应对自查系统中所填内容的真实性负责
D. Personnel responsible for self-checking should be held accountable for the authenticity of the information contained in the self-checking system
26、关于动态自查工作下列说法正确的有（ABCD）
26- The following statement on dynamic self-examination is correct (ABCD)
A、动态自查样本清单应如实填写，相关要素应符合真实全面、有代表性等原则
A. The dynamic self-checking sample list should be completed in good faith and relevant elements should be consistent with the principles of genuine comprehensiveness and representativeness
B、动态自查工作应是网点全员参与的工作
B. Dynamic self-censorship should be a fully participatory process
C、动态自查中发现的问题或异常信息应于2周内整改完毕
C. Issues or anomalies identified by dynamic self-examination should be modified within 2 weeks
D、经营性基层机构应按照动态自查流程图审核本机构该项业务流程的合规性，结合相关规章制度做好培训工作。
D. Operating grass-roots institutions should review their business process compliance according to a dynamic self-check flow chart and conduct training in conjunction with relevant regulations.
27、2013年二级经营机构的内控考核评价工作是在2012年考核指标基础上进行了调整，如下调整内容正确的有（ABCD）
27. The 2013 internal control evaluation of the secondary operating agencies was adjusted on the basis of the 2012 performance indicators, as follows:
A、 增加操作风险三大工具运用考核指标、测试题库建立、G-MAP平台应用度、操作风险报告质量、规章制度管理、新法规落实、诉讼管理等指标。
A. The three tools for increasing operational risk apply test indicators, test , G-MAP platform application, quality of operational risk reporting, regulatory management, implementation of new regulations, litigation management, etc.
B、对整改、柜面业务操作指引、内控合规标准化管理等考核指标进行了归类和细分。
B. Classification and disaggregation of performance indicators such as modifications, guidelines for the operation of deck operations, standardized management of internal control compliance, etc.
C、“检查发现操作风险”将稽核、总行条线、监管等检查发现的“很低、低”问题纳入考核；上述二级行问题条线连带比例由2012年度的1/10调整为1/5。
C. “Obligation risks” includes “low, low” questions from inspections, general line lines, supervision, etc.; the associated ratio of the second line above was adjusted from 1/10 in 2012 to 1/5.
D、将未纳入案件管理的重大违规事件（准案件）视同案件进行考核评价。
D. Critical non-compliance incidents not included in case management (sub-case) are evaluated on a case-by-case basis.
28、以下风险中，属于操作风险事件的是：（ACD）
28/ Among the following risks are operational risk events: (ACD)
A、某人向银行提供一位客户开具的支票要求兑付，但票面金额超过了该客户的账户余额，于是银行向该客户打电话进行询问，电话无法接通
A. A person who provides the bank with a cheque issued by a client whose account balance exceeds the client's account balance is called by the bank for questioning and the telephone cannot be connected
B、由于某些贷款偿还不及时，导致银行在一定时期内回收的资金低于预期值
B. Untimely repayment of certain loans, resulting in banks recovering less than expected funds over a period of time
C、在不利的市场行情下，计算机网络出现故障，银行只能间断性的查看到一些价格信息，从而导致交易员无法准确把握交易时机，造成大量损失
C. Computer network malfunctions in unfavourable market conditions, and banks have only intermittent access to price information, which results in traders not being able to accurately grasp the timing of transactions and significant losses
D、信贷管理人员把不准确的客户财务信息输入银行的信用风险模型
D. Credit managers input inaccurate customer financial information into bank credit risk models
29、与信用风险、市场风险相比，操作风险具有以下哪些特点：（ABCD）
29. What are the characteristics of the operational risk compared to credit risk, market risk? (ABCD)
A、操作风险中的风险因素很大比例上来源于银行的业务操作，属于银行可控范围内的内生风险
A. A large proportion of risk factors in operating risks stem from the operations of banks and are inherent risks within their control
B、操作风险管理几乎覆盖了银行经营管理所有方面的不同风险。既包括发生频率高、但损失相对较低的日常业务流程处理上的小纰漏，也包括发生频率低、但一旦发生就会造成极大损失,甚至危及到银行存亡的自然灾害、大规模舞弊等。
B. Operational risk management covers almost all aspects of banking management. This includes both minor leakages in routine business process processing that occur with high frequency but relatively low losses, and low frequency, but which, if occurring, can cause significant losses, even natural disasters that endanger bank life and large-scale fraud.
C、业务规模大、交易量大、结构变化迅速的业务领域，受操作风险冲击的可能性最大 。
C. Business areas with large operations, large trading volumes and rapidly changing structures are most likely to be affected by operational risks.
D、对于信用风险和市场风险而言，风险与报酬存在一一映射关系，但这种关系并不一定适用于操作风险。
D. For credit risk and market risk, there is a mapping relationship between risk and remuneration, but this relationship does not necessarily apply to operational risk.
30、自查工作中异常信息的整改流程包括（ABD）
30. Reorganization process including (ABD) for unusual information during self-checking
A、制定整改计划B、落实整改责任人、进行整改
A. Development of restructuring plan B, implementation of rehabilitation of those responsible and implementation of rehabilitation
C、先整改问题，再确定责任人D、对整改问题的状态进行维护
C. Fix the problem first, then identify the responsible person D, and maintain the status of the problem
31、操作风险管理应遵循（ABC）的理念来开展
31. Operational risk management should follow (ABC) concepts
A、全面管理，即操作风险管理制度渗透到各项业务过程和各个操作环节，覆盖所有部门、分支机构和岗位，并由全体人员执行。
A. Overall management, i.e. the operational risk management system, permeates business processes and processes, covers all sectors, branches and posts and is implemented by all personnel.
B、及时调整，即操作风险管理与本行面临内外部环境相适应，并根据经营战略、理念、外部经济、政治及监管环境变化及时调整和完善。
B. Timely adaptation, i.e., operational risk management, to the internal and external environment facing the Bank, and timely adaptation and refinement in line with changes in the business strategy, philosophy, external economy, political and regulatory environment.
C、成本与收益匹配，即操作风险管理措施与具体业务规模、复杂程度和特点相适应，并在风险管理成本和收益之间寻求合理平衡。
C. Cost-benefit matching, i.e., operational risk management measures are commensurate with the size, complexity and characteristics of the particular operation and seek a reasonable balance between risk management costs and benefits.
D、重点突出，即只关注具有高业务量、高频度（交易/时间）、结构化程度比较高和/或支持系统比较复杂的业务。
D. Focus, i.e., focus on operations with high turnover, high frequency (transaction/time), relatively high structurality and/or more complex support systems.
32、对基层动态自查工作进行督办的部门涉及（ABC）
Departments involved in overseeing grass-roots dynamics of self-censorship (ABC)
A、法律与合规部
A. Ministry of Law and Compliance
B、制定动态自查的分行条线部门
B. Development of dynamic self-censorship sub-line departments
C、二级行相关条线部门、城区行业务管理部
C. Level-II line-related line departments, urban sector operations management department
D、分行稽核部
D. Subdirectorate Audit Department
33、机构负责人每月查库应包括哪些内容（ABD）
33 What should be included in the monthly inventory of heads of agencies (ABD)
A、现金、贵金属、有价单证、凭证大库
A. Cash, precious metals, documents for value, large library of vouchers
B、会计档案
B. ACCOUNTS
C、银企对账清单
C. List of bank reconciliations
D、业务印章、业务公章
D. Business seals, business seals
34、下列哪些损失或成本不应当纳入操作风险事件造成的损失金额？（ABC）
Which of the following losses or costs should not be included in the amount lost as a result of an operating risk event? (ABC)
- 直接参与调查和解决操作风险事件的内部人员的成本，没有给我行带来额外的支出。
- 为了降低未来同类事件发生的概率或影响程度而进行的系统升级。
- 系统出错导致两个小时无法开展业务的潜在损失。
- 由于未达到当地监管机构的要求产生的罚款。
35、根据《银监会案件治理“六个重点环节”、“十个联动”和防范操作风险“十三条意见”》，对反复发生大案要案，问题长期得不到有效解决的单位，要从严追究有关（CD）的法律责任。
According to the “Six Focus Areas”, “Ten Links” and “Thirteen Opinions” to protect against operational risks in the management of Silver Censorship cases, the legal responsibility for repeated and high-profile cases for which the problem has not been effectively addressed for a long period of time is subject to strict accountability.
A、经办人员 B、复核人员? C、高管人员 D、管理人员
A. Operators B, reviewers? C, executives D, managers
36、根据《银监会案件治理“六个重点环节”、“十个联动”和防范操作风险“十三条意见”》，六个重点环节是授权卡（柜员卡）、印鉴密押、（ABC）、轮岗休假等。
According to the “Six Focus Areas”, “Ten Links” and “Thirteen Opinions” to protect against operational risks, the six focus points are the delegation of authority cards (cookers' cards), the imprinting of a warrant, the ABC, the shift leave, etc.
A、空白凭证 B、金库尾箱 C、查询对账 D、授权监督
A, blank voucher B, vault tail C, query reconciliation D, authorized oversight
37、根据《银监会案件治理“六个重点环节”、“十个联动”和防范操作风险“十三条意见”》，要求加强未达账项和差错处理的环节控制，（BD）必须严格分开，坚决做到对未达账和账款差错的查核工作不返原岗处理。
Based on the “Fix Focus”, “Ten Links” and “Thirteen Opinions” to protect against operational risks in the management of the Board's cases, strengthening of the control of the missing and mishandling links is required, and (BD) must be strictly separated, with a strong commitment to the non-return to the original position of the outstanding and miscalculation verification process.
A、经办人员 B、记账岗位 C、复核人员? D、对账岗位
A. Operator B, billing position C, reviewer? D, reconciliation post
38、为建立良好的内控合规文化，有效防范操作风险，保障我行基础管理（ ABCD ）的标准化管理目标的实现，达到管理可操作、可控制、可衡量、可复制的目的，确保基层机构经营管理实现“自我检查、自我评估、自我整改、自我培训”的有效风险控制。
To establish a good culture of internal control compliance, effective protection against operational risks and guarantee the achievement of a standardized management goal for basic management (ABCD) that is operational, controlled, measurable and replicable, and to ensure effective risk control “self-censorship, self-assessment, self-reform, self-training” in the management of grass-roots institutions.
A、精细化B、标准化C、流程化D、规范化
A. Refinement B, standardization C, process D, standardization
39、按照《内控合规管理标准》将内控合规管理由定性管理转化为定量管理，将各种业务操作和管理依问题的风险程度按很低、低、中、高、很高赋予其违反标准要求的扣分分值；具体为（ACD）
To convert internal control compliance management from qualitative to quantitative management in accordance with the Internal Control Compliance Management Standards, and to assign low, low, medium, high and high de minimis values to operations and management depending on the level of risk; specifically (ACD)
A、0.1≤很低<1分、1分≤低<3分
A, 0.1 per cent low & lt; 1 point, 1 per cent low & lt; 3 points
B、0≤很低<1分、1分≤低<3分
B, 0, 0, low & lt; 1, 1 & low & lt; 3
C、3分≤中<5分
C, 3 in minutes & lt; 5 in minutes
D、5分≤高<7分、 7分≤很高
D, 5 and high & lt; 7 and 7 and high
40、根据《中国银行股份有限公司新疆分行内控合规管理问责奖励办法》的规定，下列说法正确的有（ABCD）
40. Under the terms of the Xinjiang Subdirectorate of the Bank of China, Inc. Incentives for Managing Accountability for Compliance, the following is correct (ABCD)
A、同一季度内不同检查的同一问题按一次扣分
A. One deduction for the same issue for different inspections during the same quarter
B、同一次检查发现的多次违规及业务差错的，如属同一违规或业务差错的按一次扣分
B. Multiple irregularities and operational errors identified during the same inspection, if the same violation or operational error resulted in a one-time deduction
C、若干员工在同一时间内发生的相同违规或业务差错的应分别扣分
C. Separate deductions for the same violations or operational errors committed by several employees at the same time
D、员工自查发现的问题，主动汇报的应予以免除扣分
D. Problems identified by employees themselves, which should be exempt from deductions when reported on their own initiative
41、按照《问责奖励办法》的相关规定有下列情况的（ABCD），可根据实际情况按扣分标准的2到4倍加重处理
41. In accordance with the relevant provisions of the Accountability Incentives (ABCD) the following circumstances may be aggravated by two to four times the demerit criteria:
A、主观故意违规的行为
A. SUBJECTfully INDISCRIMINATE VIOLATIONS
B、屡查屡犯、重复出现的违规行为
B. Repeated and repeated violations
C、授意、指使、强令员工进行违规操作
C. Commanding, instructing, forcing employees to perform irregular operations
D、无正当理由未按要求落实整改
D. Unjustified failure to implement the required modifications
42、本着（ABC）的原则，按《内控合规管理标准》及其他内控检查的有关要求检查，并对违反情况按扣分标准扣分。
In accordance with (ABC) principles, inspection is carried out in accordance with the requirements of the Internal Control Compliance Management Standards and other internal control inspections, and the violation is subject to the deduction criteria.
A、谁检查B、谁认定C、谁录入D、谁罚款
A, who checked B, who identified C, who entered D, who fined him.
43、《中国银行股份有限公司新疆分行二级分行内部控制与操作风险管理评价考核办法》中规定评价考核内容的第一项内容为“内部控制环境”，它包括（ABCD）
The first element of the risk management evaluation for the Xinjiang branch of the Xinjiang branch of the Bank of China, Inc., which includes (ABCD) is the “internal control environment” for the evaluation.
A、辖属各经营性机构风险管理与内部控制委员会运作及报告
A. Functioning and reporting of the operational ERM and internal control committees
B、内控工作激励约束机制建立情况，内控培训，关键岗位人员岗位轮换和强制休假制度执行情况
B. Establishment of incentive mechanisms for internal control work, internal control training, job rotation for key posts and enforcement of the system of compulsory leave
C、内控合规标准化管理工作落实情况
C. Implementation of standardized management of internal control compliance
D、柜面业务操作指引培训、考核情况
D. Training in, and appraisal of, guidelines for the operation of deck operations
44、《中国银行新疆分行基层经营性机构（网点）内控合规考核评价指标明细表》是专门针对基层网点的考核指标，其包括（ABCD）等部分。
The Xinjiang branch of the Bank of China's Xinjiang Subdirectorate's Xinjiang Xinjiang Subdirectorate's Xinjiang Subdirectorate's List of Indicators for Monitoring and Evaluation of Controlled Standards is a component of the evaluation for grass-roots sites, including ABCDs.
A、内部控制环境
A. Internal control environment
B、风险评估与管理
B. Risk assessment and management
C、内部控制活动
C. Internal control activities
D、监督与纠正、信息与交流
D. Oversight and rectification, information and communication
45、以下属于风险控制活动的有（ABCD）
45. The following are risk control activities (ABCD)
A、岗位分离有效管理
A. Effective management of job segregation
B、严格执行资金头寸管理的有关规定和大额支付登记报告制度
B. Strict implementation of the provisions governing the management of the financial position and the registration of large payments
C、开办中间业务品种和开立中间业务账户应经上级行批准，报批、减免材料及文件齐全，严格执行中间业务收费标准，收入按规定纳入账内核算
C. Opening of intermediate business varieties and opening of intermediate business accounts shall be approved by the parent authority for approval, release of materials and documentation, strict enforcement of intermediate operating rates, and revenue is accounted for as required
D、领卡、发卡、保管等环节中严格执行相关规定，发卡准入严格执行“三亲见”制度，严格按照授信政策准入发卡并发放授信额度，严格执行收单管理规定，合规、有效的开展对商户的准入审批、签约、风险管理、交易监控、机具管理等工作
Strict enforcement of the relevant regulations in the areas of cards, issuance and custody; strict enforcement of the “three-by-four” system for issuance of cards; strict compliance with the letter-of-assist policy for issuance and issuance of letters of credit; strict enforcement of bill management requirements; compliance and effective implementation of business access clearances, contracting, risk management, transaction monitoring and management of equipment, etc.
46、与信用风险、市场风险相比，操作风险具有以下哪些特点（ABCD）
What are the following characteristics of operational risk compared to credit risk, market risk (ABCD)
A、操作风险中的风险因素很大比例上来源于银行的业务操作，属于银行可控范围内的内生风险。
A. A large proportion of the risk factors in operating risks stem from the operations of banks, which are inherent risks within their control.
B、操作风险管理几乎覆盖了银行经营管理所有方面的不同风险。既包括发生频率高、但损失相对较低的日常业务流程处理上的小纰漏，也包括发生频率低、但一旦发生就会造成极大损失,甚至危及到银行存亡的自然灾害、大规模舞弊等。
B. Operational risk management covers almost all aspects of banking management. This includes both minor leakages in routine business process processing that occur with high frequency but relatively low losses, and low frequency, but which, if occurring, can cause significant losses, even natural disasters that endanger bank life and large-scale fraud.
C、业务规模大、交易量大、结构变化迅速的业务领域，受操作风险冲击的可能性最大 。
C. Business areas with large operations, large trading volumes and rapidly changing structures are most likely to be affected by operational risks.
D、对于信用风险和市场风险而言，风险与报酬存在一一映射关系，但这种关系并不一定适用于操作风险。
D. For credit risk and market risk, there is a mapping relationship between risk and remuneration, but this relationship does not necessarily apply to operational risk.
47、关于对二级经营机构的考核评价等级标准分划分正确的有：（ABCD）
47. The correct classification of the criteria for the evaluation of secondary establishments is as follows: (ABCD)
A、AAA级95分（含）以上；
A, AAA Level 95 or more;
B、AA级95-90分（含）；
B, AA level 95-90 (inclusive);
C、A级90-85分（含）；
C, Level A: 90-85 (inclusive);
D、B级85-70分（含）；C级是70分以下。
D, B level 85-70; C level below 70.
- 判断题（×√）
1、操作风险存在于日常工作的各个领域，因此操作风险管理制度需要渗透到各项业务过程和各个环节，覆盖所有部门、分支机构和岗位，并由全体人员执行，由此可见，操作风险管理和每个员工都息息相关。（√）
1. Operational risks are present in all areas of day-to-day work, so the operational risk management system needs to permeate business processes and components, cover all sectors, branches and posts, and be implemented by all personnel, so that operational risk management and individual staff members are relevant.()
2、风险与控制评估（RACA）是指各职能部门、各分行作为操作风险所有人，定期评估所管主要业务流程的操作风险及其控制状况，并使用模板持续记录并报告评估结果的过程。（√）
2. Risk and Control Assessment (RACA) refers to the process by which functional units and branches act as operating risk owners, regularly assess the operational risks and control status of key business processes managed, and use templates to record and report on the results on an ongoing basis. ()
3、风险与控制评估（RACA）是一种操作风险管理手段，目的是通过操作风险所有人的自我观察、分析，并借助经验和判断，对面临的操作风险以及现有控制情况进行识别和评估，以便采取相应措施，并进而提高银行的风险和业务管理水平。（√）
Risk and Control Assessment (RACA) is an operational risk management tool designed to identify and assess operational risks faced and existing controls through self-observation, analysis, experience and judgement of risk owners, with a view to taking appropriate measures and, in turn, to improving the level of risk and operational management of banks.()
4、风险与控制评估（RACA）讨论组会议需要确定主持人员，应选派业务实际操作者参与讨论。（×）
4. Risk and Control Assessment (RACA) discussion group meetings need to identify facilitators who should be selected to participate in the discussions. (x)
5、对于由于其他部门原因造成的本部门风险，无需在本部门的风险识别中涵盖。（×）
5. There is no need to cover the sector's risk identification for other sector-specific reasons. (x)
6、商业银行进行操作风险管理的目标就是消除风险，实现零风险。（×）
6. The objective of operational risk management by commercial banks is to eliminate risk and achieve zero risk. (x)
7、操作风险不涵盖声誉风险，所以在评估时不需要考虑对银行声誉的影响。（×）
7. Operating risks do not cover reputational risks, so the impact on the reputation of banks need not be taken into account in the assessment. (x)
8、风险与控制评估（RACA）工作的结果应客观地反应流程中的主要风险信息。（√）
The results of the risk and control assessment (RACA) exercise should objectively reflect the main risk information in the process.
9、对于所有风险都要设置关键风险指标。（×）
9. Key risk indicators are set for all risks. (x)
10、推行损失数据的收集工作并不是为了满足监管合规要求，而是为了提高操作风险管理和风险防控。（×）
10. The introduction of loss data collection is not intended to meet regulatory compliance requirements, but to improve operational risk management and risk control. (x)
11、若某一操作风险造成的损失（已达到收集门槛）已全部挽回，则无需再收集相关损失数据。（×）
If the loss resulting from an operational risk (which has met the collection threshold) has been fully recovered, there is no need to collect data on the associated loss. (x)
12、当操作风险事件是直接造成“信贷损失”或“市场交易损失”的主要原因时，无需将其作为操作风险损失进行收集，只需将收集的损失事件标记为“与信用/市场风险相关”。（×）
Where an operational risk event is the main cause of a direct “credit loss” or “market transaction loss”, it is not necessary to collect it as an operational risk loss, but simply to label the collected loss event as “relates to credit/market risk”. (x)
13、信用风险损失、市场风险损失都可能由操作风险导致。（√）
Loss of credit risk, loss of market risk may be caused by operating risk. ()
14、当监控发现某关键风险指标突破了设定的阀值时，相关部门必须对其关键风险指标进行密切关注，并采取适当的措施使关键风险指标数值回到正常范围。（√）
When monitoring reveals that a key risk indicator has exceeded a set threshold, the relevant department must pay close attention to its key risk indicator and take appropriate measures to bring the key risk indicator value back to normal. ()
15、道德风险可引发操作风险事件及损失。（√）
15. Ethical hazard can trigger operational risk events and losses.()
16、在风险描述信息中应确保对面临的主要风险情况进行详细的描述说明，例如，“牵头行未与参加行签署保密协议”就属于控制失败，签署保守协议是为了确保信息不被泄漏的控制手，因此其固有风险应该是信息泄露。（√）
The risk profile information should ensure a detailed description of the main risks faced, e.g. “the failure of the lead bank to sign a confidentiality agreement with the participating bank” is a failure of control, and conservative agreements are signed to ensure that the information is not leaked by the controller, so that the inherent risk should be disclosure of the information.)
17、在高级计量法中，如果操作风险损失与市场风险相关，在计算最低监管资本时应视为操作风险损失。（√）
In advanced measures, an operating risk loss should be considered an operating risk loss when calculating the minimum regulatory capital if it is associated with a market risk. ()
18、触发式评估是定期评估的补充。（√）
18. The trigger assessment is complementary to the periodic evaluation. ()
19、对于由于其他部门原因造成的本部门风险，无需要在本部门的风险识别中涵盖。（×）
19. There is no need to cover the sector's risk identification for other sector risks. (x)
20、操作风险管理循环包括“识别-评估-监控和报告”，不包括“计量”这一环节。（√）
The operational risk management cycle includes “identification-assessment-monitoring and reporting” and does not include the “measurement” component.
21、我行操作风险三道防线体系依照我行风险治理架构中风险管理三道防线总体架构来设立，其中第一道防线由各级业务经营机构、业务管理部门和每个员工组成。（√）
21. I operate a three-way risk line system based on the overall risk management three-way line in my risk governance structure, the first of which consists of all levels of business operations, operations management and individual staff. ()
22、基层机构非营业时间设定工作由业务经理在非营业日当天设定。（×）
22. Non-operational time setting at the grass-roots level is set by the operations manager on the day of the non-operational day. (x)
23、对自查发现的问题，及时整改且未形成损失的，可不对本级及以上层级连带问责。（√）
23. In the case of problems identified by self-examination, where no loss has been incurred in a timely manner, there can be no joint accountability at this level and above. ()
24、间接连带问责是对直接责任人所在机构以上层级的各级监督管理人员实施的连带问责。（√）
24. Indirect joint and several accountability is associated with oversight managers at levels above the level of the agency where the person directly responsible is located. ()
25、监督处罚包括诫勉谈话、引咎辞职。其中引咎辞职分为个人自愿辞职和组织规劝辞职两种形式。引咎辞职主要针对管理职位人员。（√）
25. The supervisory sanction consists of recriminations and resignations. The resignations are divided into voluntary resignations of individuals and the organization of the resignations. The resignations are mainly attributed to persons in managerial positions.
26、直接连带问责的连带扣分为直接当事人被扣分值的1/4；直接连带问责上追两级既正职和分管副职，且只上追本层级。基层经营性分支机构的派驻业务经理连带扣分标准视同为该机构副职。（×）
26. Direct joint and severally held deductions are divided into one quarter of the value of the deduction for the direct party; two levels of direct joint and several accountability are both formal and deputy in charge, and are pursued only at this level. The criteria for joint and several deductions for operational managers in operational branches at the grass-roots level are considered to be the same as deputy to the body. (x)
27、季度扣分（包括自查和他查）累计至9分（含）以上者，按管理权限进行诫勉谈话。（√）
27. Any deductions (including self-censorship and examination by him) accumulated to more than 9 points, subject to regulatory authority, shall be subject to restraining authority. ()
28、《中国银行股份有限公司新疆分行二级分行内部控制与操作风险管理评价考核办法》中规定考核采用分行考评与各经营性机构自评相结合。分行考评占70%，经营性机构自评占30%。（√）
In the Xinjiang branch of the Xinjiang Bank Company Limited, internal control and operational risk management evaluation methods are required to be combined with the evaluation of the operational agencies. 70 per cent of the examinations are conducted by the branch offices and 30 per cent are evaluated by the operational agencies. ()
29、分行对业务条线部门的内控考核包括：对内控管理工作的考核评分和对发生案件及责任事故、违法违规事件机构进行扣分两部分组成。（√）
Sub-branch internal controls in the line of operations include a rating of internal control management and a deduction of two parts for the institution in which the case and the responsible incident occurred and the violation of the law occurred. ()
30、各机构按季报送的统计、分析、报告，报送的资料要完整、具体、及时，按外部监管要求及时报送相关资料。（√）
The statistics, analyses, reports submitted by agencies on a quarterly basis are complete, specific and timely, and the relevant information is submitted in a timely manner in accordance with external regulatory requirements. ()
31、由分行法律与合规部根据各经营性机构自评情况、分行业务条线部门评价考核结果实施偏离度计算和分值调整工作。（√）
31. Departure calculations and value-rating adjustments are carried out by the branch law and compliance department on the basis of self-assessment by the operational agencies, evaluation of the branch lines of operations and evaluation of the results. ()
32、各机构自评质量偏离度=（各行单个过程评价指标自评得分-分行单个过程评价指标评价得分）/单个过程评价指标标准分*100。（√）
32. Agencies'self-assessment quality deviations = (single process evaluation indicator self-scores in each row - syllabi in individual process evaluation indicators)/Standard score for individual process evaluation indicators *100.
33、分行业务条线部门于季初15个工作日内将各经营性机构上一季度评价考核结果报送至分行法律与合规部。（×）
33. The branch operations line department forwards the results of the last quarter evaluation of the operating agencies to the branch's legal and compliance department within 15 working days of the beginning of the season. (x)
34、对员工的问责或奖励取决于员工季度最终得分。员工季度最终得分由各类奖励加分（正向分）与各类问责扣分（负向分，注：此类扣分应为他查扣分）的分值差计算而成（即：员工季度最终得分=季度各类奖励加分 – 季度各类他查问责扣分），对最终得分为负向分的员工给予一定的问责处罚，对最终得分为正向分的员工给予一定的奖励，对最终得分为0分的员工不做任何处理。（√）
34. Accountability or reward for employees depends on the employee’s final quarterly score. The employee’s final quarterly score is calculated by the difference between the various types of reward plus points (positive or positive) and the various types of accountability deductions (negative points, note: such deductions should be his) (i.e., the employee’s final quarterly score = quarterly awards plus points – quarterly accountability deductions of all types), with some accountability penalty for the employee who ultimately scored the negative score, and a certain incentive for the employee who ultimately scored the positive score, and no treatment for the employee who ultimately scored the zero point. ( (...))
35、员工季度最终内控考核得分或扣分带入下一个扣分累积期进行累积。（×）
35. Quarterly employee final internal control scores or deductions are added to the next credit accumulation period for accumulation. (x)
36、对各机构自查发现的问题，及时整改且未形成损失的，可不对本级及以上层级连带问责。（√）
36. Any problems identified by the agencies themselves, which have been modified in a timely manner and have not resulted in loss, may not be held jointly and severally accountable at this level and above. ( )
37、G—MAP集团监控分析平台是按照“流程控制＋现场控制＋系统控制”的基层管控模式，通过整合总分行现有相互独立和分散的监控系统、监控资源，建立参数化的预警模型，对异常交易进行筛选、核查和验证，实现对交易、行为、实物的监控。（√）
37. The G-MAP Group Control and Analysis Platform is based on a grass-roots control model based on "Process Control + On-Site Control + System Control", through the consolidation of existing independent and decentralized monitoring systems, surveillance resources, the establishment of a parameterized early warning model, screening, verification and verification of unusual transactions, and the monitoring of transactions, behaviour, and objects.()
四、 论述题
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1、部分机构业务考核指标过高、压力过大，在同业竞争压力下，不少机构在经营理念上存在盲目扩张、急功近利、以牺牲内控来换取市场份额和考核绩效的问题，内控管理与业务发展存在一定的脱节现象。根据以上现象，如何理解“内控提升品质，合规创造价值”？
答题要点：此题考点为内控合规管理在银行经营中所起的作用及意义：
Question points: The point is the role and significance of internal control compliance management in banking operations:
（1）内控合规管理是银行持续经营的基石。通过内控合规管理，可以将内控意识渗透到各级领导者的经营理念、决策思想、经营行为和管理活动之中，渗透到全行员工的一言一行以及每一项业务的操作过程当中，从而营造一个有利于内部控制实施的良好环境，形成浓厚的内控氛围，为内部控制的有效运行奠定基础。银行本质上就是经营风险、管理风险。根据自己的风险偏好去开展业务的，什么业务可以做，什么不可以，哪些可以做多一点儿，哪些要谨慎，这些风险偏好的落实都需要各位员工去执行，没有好的内控合规管理，银行不可能持续经营下去。
(1) Internal control compliance management is the cornerstone of a bank’s business continuity. Through internal control compliance management, internal control awareness can be permeated into leaders’ business concepts, decision-making ideas, business behaviour and management activities at all levels, into the whole-of-the-life staff, and in the course of each operation, thus creating a favourable environment for the implementation of internal controls, creating a strong internal control climate and laying the foundation for their effective functioning. Banks are essentially risk-taking and managing risks.
（2）内控合规管理是银行稳健发展的保障。内控合规管理为业务发展保驾护航，如果没有内控合规管理，业务发展难以具有可持续性，银行的经营模式只会停留在片面追求利润上，无法实现风险与收益的合理匹配。银行通过主动内控管理，降低业务风险，提高承担风险所带来的收益，使得内控管理不再是经营的附庸，或者是事后控制损失的工具，而是通过内控合规管理的独立性、专业性，体现风险管理工作的主动性、前瞻性和收益性，从而真正成为价值创造的手段。
(2) Internal control compliance management is a guarantee of sound development of banks. Internal control compliance management protects business development, is not sustainable without internal control compliance management, and the bank’s business model can only remain one-sided in the pursuit of profits and does not allow for a reasonable match between risks and benefits. By proactively managing internal controls, banks reduce business risks and increase the benefits of taking on them, making internal control management no longer an accessory to operations or a tool for controlling losses after the fact, but rather represents an independent, professional, proactive, forward-looking and profitable approach to risk management through internal control compliance management that is truly a tool for value creation.
（3）内控合规是银行价值提升的手段。现在的市场经济可以说是风险经济，任何投资都是风险和收益的结合，如果说资本金水平决定了银行的风险承担能力，那所承担的风险究竟能给银行带来盈利还是损失，则取决于银行的风险管理水平。良好的内控合规管理有助于银行进行动态管理，及时调整资本结构，更加有效地配置资本。良好的内控合规管理是银行业务不断创新发展的原动力，有助于大力推动新型业务的拓展和金融产品的开发。良好的内控合规管理有助于识别和计量金融产品和服务的风险成本和风险水平，制定具有竞争力的风险溢价，降低经营、法律合规、监管等方面的成本，从而提高竞争能力。可以说，谁的风险管理做得更好，谁的市场竞争力就会更强，品牌价值就会更高。
Good internal control compliance management helps banks to manage dynamically, adjust capital structures in a timely manner, and allocate capital more effectively. Good internal control compliance management is the driving force behind the continuous innovation of banking and contributes significantly to the expansion of new types of business and the development of financial products. Good internal control compliance management helps to identify and measure risk costs and risk levels for financial products and services, establish competitive risk premiums, reduce operating, legal compliance, regulatory costs, and so on, increase competitiveness.
综上所述，内控管理到位有助于建立良好的公司治理结构，职责明确、报告关系清晰的组织结构，以及有效的激励约束机制，为业务发展保驾护航，故“内控提升品质”；新协议内评法下的考核指标RAROC、EVA，是风险管理价值体现的有效载体，说明内控合规管理工作是有价值的，可以提高收益，为银行创造价值，故“合规创造价值”。
In summary, internal control management is in place to help establish a good corporate governance structure with clear responsibilities, a clear organizational structure for reporting, and an effective incentive mechanism to protect business development, so “internal control upgrades quality”; the evaluation indicators RAROC and EVA under the new protocol are effective carriers of risk management values, demonstrating the value of internal control compliance management, which enhances returns and creates value for banks, thus creating value for compliance.
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2、银行内部控制评价的定义及组成部分是什么？开展内部控制评价工作的意义是什么？
What are the definitions and components of an internal control evaluation in banks? What is the meaning of conducting an internal control evaluation?
根据银监会颁布《商业银行内部控制指引》，商业银行内部控制评价是指对商业银行内部控制体系对建设、实施和运行结果而独立开展的调查、测试、分析和评估等系统性活动。内部控制评价包括过程评价、效果评价和限制评价三个部分。过程评价是对内部控制环境、风险评估与管理、内部控制活动、监督与纠正、信息与交流等五大要素的评价。效果评价是对内部控制主要目标实现程度的评价，按照重要性原则确定各效果评价指标，主要包括效益类指标、资产质量类指标和案件损失类指标。限制评价是对评价年度内是否发生影响内部控制的重大事件的评价，主要包括违反国家有关金融法规，情节严重，受到人民银行、银监会、审计署等外部监管部门处罚情况；发生一定金融以上的贪污、挪用、贿赂等内部经济案件的；发生涉案一定金额以上的金融诈骗案件等。
According to the Guidance on Internal Control in Commercial Banks issued by the Bank's Supervisory Board, the evaluation of internal controls in commercial banks refers to systematic activities such as independent investigations, testing, analysis and evaluation of the results of construction, implementation and operation of the internal control system of commercial banks. The evaluation of internal controls consists of three components: process evaluation, impact evaluation and limitation evaluation. The evaluation of the process is an evaluation of the five main elements of the internal control environment, risk assessment and management, internal control activities, oversight and correction, information and communication. The evaluation of the effectiveness is an evaluation of the extent to which the main objectives of internal controls have been achieved, the determination of impact evaluation indicators in accordance with the principle of materiality, including, inter alia, efficiency indicators, asset quality indicators and case loss indicators.
开展内部控制评价工作的意义在于：
The value of conducting an internal control evaluation is that:
（1）通过实施内部控制评价活动，有助于督促商业银行进一步建立健全内部控制体系和内部控制机制，为全面风险管理体系的建立奠定基础；
(1) The implementation of an internal control evaluation exercise helps to urge commercial banks to further develop sound internal control systems and internal control mechanisms and to lay the foundation for the establishment of a comprehensive risk management system;
（2）有助于外部监管部门和内部高级管理层客观全面了解一个分支机构内部控制状况，从而达到促进其内部控制过程各体系目标的进一步实现。
(2) To contribute to an objective and comprehensive understanding of the internal control status of a branch office by external supervisory departments and internal senior management in order to achieve further the objectives of the systems that contribute to the internal control process.
（3）商业银行通过内控评价在排风险、找差距、堵塞漏洞的同时，更多地是可以帮助被评价机构通过评价发现问题进行整改，从而完善内控管理机制，进一步建立长效内控管理机制，培育良好的内控文化，建立完善高效的风险评估机制，实施健全有效的控制活动，构建科学、完善的内控体系。
(3) Commercial banks, by means of internal control evaluation, are more likely to help the evaluated institutions improve their internal control management mechanisms by identifying risks, gaps and loopholes, further develop long-term internal control management mechanisms, foster a good internal control culture, establish sound and efficient risk assessment mechanisms, implement sound and effective control activities, and build scientific and sound internal control systems.
3、请论述内控问责激励约束机制在内控评价体系中发挥的作用？
答题要点：内控激励约束机制是内控考核评价体系中重要的一环，一方面它能作用于考核结果，另一方面它又能有力推动内控考核评价工作，对内控管理工作起到重要推进作用。
Key points of the answer: The internal control incentive mechanism is an important part of the internal control evaluation system, which, on the one hand, serves to evaluate results and, on the other hand, provides a strong impetus for internal control evaluation and provides an important boost to internal control management.
（1）内控问责激励约束机制运用于内控评价考核结果。内控评价考核结果是反映内控管理水平好坏的依据，对内控考核结果表现优异的机构或个人给予一定的激励，一方面能提升被激励机构或个人内控管理的积极性，另一方面也能为全机构树立典型榜样。对内控考核结果表现较差的机构或个人给予一定的问责处罚，能起到惩戒的作用，同样也是在全机构内树立典型以示警告。
(1) Internal control and accountability incentive mechanisms are applied to internal controls to evaluate the results of the evaluation. The internal control evaluation results reflect the basis for good internal control management, giving a certain incentive to institutions or individuals that perform well in the internal control examination, on the one hand, and a typical example for the institution as a whole, on the other.
（2）内控问责激励约束机制可以推动内控评价考核工作。对于内控考核过程中发现的问题，通过通报、警示、处罚等各类问责手段可以督促相关机构和个人进行整改，对内控考核过程中表现较好的机构也可以对其进行宣传，将好的内控管理经验介绍给其它机构及员工，以此推动内控考核评价工作的良性循环。
(2) Internal control and accountability incentive mechanisms can facilitate internal control evaluation and evaluation. In the case of problems identified in internal control appraisals, the institutions and individuals can be urged to make changes through various means of accountability, such as notification, warning and punishment, and the institutions that perform better in internal control appraisals can be publicized and good internal control management experience introduced to other institutions and employees, thus contributing to a virtuous cycle of internal control evaluation and evaluation.
4、健全和完善内控激励约束机制的重要意义？
（1）健全和完善内控激励约束机制，有助于商业银行开展理性经营，实现科学发展。银行内部的委托代理关系比较复杂，必须通过一套机制来保证各业务部门、各分支机构和各级经营管理人员形成合力，避免短期机会主义行为给银行的稳健发展造成损害。
(1) A sound and well-developed mechanism of internal control incentives helps commercial banks to operate rationally and to develop science.
（2）健全内控激励约束机制，是我国商业银行完善公司治理的重要内容。近年来，国有商业银行进行了一系列的改革，但由于没有建立科学的公司治理机制，没有真正从责、权、利明晰的角度去激励约束银行经营者，改革的效果也难免不尽如人意。因此，公司治理问题正是导致国有商业银行激励约束机制效果不佳的根本原因，完善公司治理是国有商业银行改革的核心。而健全和完善对商业银行高级管理层的业绩评估机制、长期激励机制和问责机制是完善公司治理的重要内容之一。同时，进一步完善商业银行的内部激励约束机制，也有助于促进商业银行公司治理“上层机制”的有效传导。
In recent years, State-owned commercial banks have undertaken a number of reforms, but they have failed to provide meaningful incentives to bank operators in terms of accountability, authority, and clarity. Thus, corporate governance is the root cause of the poor performance of the State-owned commercial banks’ incentive mechanisms, and improving corporate governance is at the heart of the reform of the State-owned commercial banks.
（3）健全和完善内控激励约束机制，是商业银行充分发挥人力资本价值的需要。人是生产力中最活跃的因素，现代企业的竞争归根到底是人才的竞争。为吸引和留住人才，更大限度地发挥其活力，国际上先进的商业银行普遍建立了包括以战略、价值和市场为导向的职位管理体系、绩效管理体系和薪酬管理体系等在内的内部激励约束机制。
(3) Sound and well-developed internal control incentives are needed for commercial banks to realize the full value of human capital. People are the most dynamic factor in productivity, and competition for modern firms is ultimately competition for talent. To attract and retain talent, and to exercise greater dynamism, sophisticated international commercial banks have generally established internal incentive constraints, including strategic, value- and market-oriented job management systems, performance management systems, and pay management systems.
（4）对商业银行竞争力和经营效率的提高有着重要作用。激励约束是目标责任制和绩效考核所要达到的目的，恰如其分的激励约束机制的实施在提升企业员工的生产经营积极性的同时，还会规范员工的行为，奖功罚过、奖优罚劣，使先进受到褒奖，后进受到鞭策，形成先进更先进、后进赶先进的竞争局面，从而促进企业经济社会效益的提高。
(4) Incentives are the aim of objective accountability and performance appraisal, and the implementation of incentive mechanisms that enhance the productivity of the employees of an enterprise is accompanied by the regulation of the behaviour of the employees, the reward of merit, the award of merit, the promotion of excellence, and the promotion of the economic and social benefits of the enterprise.
5、近年来，银行业各类案件屡出不绝，如何提升银行业等金融机构案件防范工作水平？
一是各银行业金融机构应提高对案件防范工作的重视程度，将案件防控摆在更加突出的位置，明确由各单位“一把手”负总责，将案件防控工作纳入全年重点工作。
The first is the need for banking institutions to pay greater attention to case prevention, to give greater prominence to case prevention, to make it clear that the “one hand” of the units is the overall responsibility, and to include case prevention and control as a priority throughout the year.
二是各银行业金融机构应进一步加强内控制度、操作流程、内部检查等方面工作，不断完善内控管理体系。
Second, banking financial institutions should further strengthen internal controls, operating processes, internal controls, etc., and continuously improve their internal control management systems.
三是各银行业金融机构应对日常违规行为的处理更加严格，加大对违规和案件的查处力度，建立更加明确的内控激励约束机制，使内控管理导向更加鲜明，问责的力度不断提高。
Third, banking institutions should be more rigorous in their handling of daily violations, more rigorous in their investigation of violations and cases, and more explicit internal control incentives and disincentives to make internal control management more visible and accountable.
6、论述内控合规文化在商业银行内控管理的重要作用？如何构建良好的内控合规文化？
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内控合规文化在商业务银行内控管理中发挥着重要的作用。首先，内控合规文化是商业银行产生健全的治理结构的土壤。商业银行治理结构的核心问题是确定银行内部的利益主体及利益主体之间的关系如何组合等问题。对这一系列问题只有依托银行员工对同一理念的认同后，才能在将实现企业的目标变为每位员工的自觉行为，即变被动接受为主动实现，才能解决企业经营中的不协调、不统一的问题，才能有效提升企业管理水平和经营效率。其次，内控合规文化是商业银行治理结构能够充分发挥作用的前提。缺失内控合规文化就会使银行员工失去了共同的理念与追求，对各种制度表现出了冷漠、应付甚至排斥、抵触，导致完好的制度得不到贯彻和落实，使内部控制形同虚设。其三，内控合规文化是对治理结构自觉的补充和完善。各项制度都有失效的时候，而当制度失效时，企业经营靠的就是内控文化的“觉悟”作用。构建内控合规文化，在企业中形成共同的人生观和价值观，就可以使员工视企业为自己的家，愿意为其出全力。其四，内控合规文化是商业银行公司治理结构不断创新与完善的源泉。只有在优秀的内控合规文化指引下，商业银行员工才能产生依赖、合作、诚信，才能使条条框框的制度变成扎根于员工心目中的内在要求，才能创造出生机勃勃富于创新的良好氛围，才能催生出新的、更适合于现实经济的治理结构。
A culture of internal control compliance plays an important role in the internal management of business banks. First, a culture of internal control compliance is a prerequisite for commercial banking governance structures to function adequately. The central issue in the structure of commercial banks’ governance is to determine how the bank’s internal control is structured. This set of problems can only be achieved by relying on the agreement of the bank’s employees with the same idea.
商业银行构建良好的内控合规文化非常重要，可以从以下几方面推动内控合规文化建设。一是商业银行各级内控管理领导层要充分发挥自身的职能作用，不断研究和部署内控文化建设工作，将内控文化与业务发展“同布置、同检查、同考核、同时要结果”，使每个员工的积极性得以充分释放，使内控文化建设成为业务发展的推动力，创造一个以共同价值和共同行为模式为基础的企业文化。二是整体联动，构建良好的团队精神。首先是商业银行要明确内控管理职能部门的分工和责任，构筑纵横交错的内控防线，加强部门之间的相互制衡、相互制约和信息共享，坚持公平、公开、公正原则，创建“内控制度面前人人平等”的大环境；其次是要借鉴和吸收国际国内同业的先进经验，在此基础上对现有的制度进行梳理和修订，去掉过时的，合并相近的，补充不完善的，使各项规章制度更具先进性、有效性和适宜性，创建内控管理权威性和协调性相统一的环境，形成既有个性特色又有团队精神的内控文化。三是齐抓共管，注重创新能力的发展。商业银行内控文化是随着各项业务的发展不断演变和进化的。与业务发展一样，内控文化进步的关键是创新，而创新的首要任务是建立约束激励机制。这就需要我们在用人机制、考评机制等方面突出激励效应，明确各级人员在职责、问责和责任追究上的界限和标准，激活企业发展的内在动力。四是统一规划，重视价值理念的培育。运用多种宣传方式，加强内控文化的学习、交流和宣传就显得极为重要。首先是要统一规划，通过一系列考试、考核和业绩评估等形式，满足职工知识更新、尊重需求和自我实现的需要，培育团队的亲和力和勇于进取的企业精神；其次是要对员工进行价值理念的培训，让其认可并接受“内控优先”、“内控与发展并重”、“内控就是效益”等价值理念，并对银行产生归属感、自豪感，进而能够认可、遵守并自觉执行规章制度，在全行范围内形成良好的内控合规文化。
It is important for commercial banks to have a well-established culture of internal control compliance, which can contribute to building a culture of internal control. First, it is important for commercial banks to have a clear division of labour and responsibility at all levels of internal control management, to develop and deploy their own lines of control, to strengthen checks and balances, checks and information-sharing between sectors, to uphold the principles of equity, openness, impartiality, and to create an environment of “equality before internal control”, to make internal control culture a driving force for business development, to create a culture based on shared values and common modes of behaviour. Second, it is important for commercial banks to have a clear division of labour and responsibility between internal control functions, to build internal control, to build internal control, to build internal control, to create internal control, to create internal control, and to create internal control, and to coordinate internal control, and to create internal control and control, and to develop internal control and control and control of the internal control of enterprises.
7、如何正确理解风险收益（RAROC、EVA）对实施新资本协议的益处?
7 >, how do you properly understand the benefits of risk gains (RAROC, EVA) for the implementation of a new capital agreement?
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一、有助于增强实施新资本协议的主动性。通过风险管理是要降低授信业务风险，降低风险有多种途径，例如通过提高利率定价可以提高银行的账面收益，这是最为直接有效的易于理解的可以看得见的收益，反映在银行的净利润与现金的流入；另一方面通过选择优质客户、增加有效缓释或低风险业务，向轻资本业务方向转变，同样可以提高银行的收益，可以创造价值，这反映为新协议考核指标RAROC、EVA的提高，虽不能反映为银行的现金流入，但有利于银行授信业务的转型、结构调整与持续健康发展。由此可以通过内部考核激励，增强各行各条线实施新资本协议的主动性。
Risk management aims to reduce the risk of a new capital agreement, and there are a number of ways to reduce it. For example, by raising interest rate pricing, banks'book returns can be increased. This is the most immediate and understandable and visible gain, reflected in the net profits and cash inflows of banks. On the other hand, by selecting high-quality customers, increasing effective buffers or low-risk operations, shifting to light capital operations, and also increasing the bank’s returns, which can generate value, are reflected in the increase in the new agreement’s performance indicators, RAROC and EVA, which are not reflected in cash inflows to banks, but are conducive to the transformation, structural adjustment and sustained healthy development of banks’ lending operations.
二、有助于正确理解新协议考核指标的内在涵义。新协议考核指标在各层级、各条线考核中均有所涉及，正确理解RAROC、EVA等新协议考核指标的内在涵义有利于理解新协议指标内在涵义以及理解将RAROC、EVA等新协议指标纳入绩效考核指标体系的合理性，从而利于对新协议的正确理解与实施。
ii. contributes to a proper understanding of what is meant by the new protocol for the evaluation of indicators. The new protocol for the evaluation of indicators is addressed at all levels and in all lines, and the proper understanding of the content of the new protocol for the evaluation of indicators such as RAROC and EVA is conducive to understanding the content of the new protocol for the purpose of incorporating new protocol indicators such as RAROC and EVA into the system for the appraisal of performance indicators, thus facilitating the correct understanding and implementation of the new agreement.
三、有助于风险管理价值文化的形成。新资本协议所倡导的理念与方法和全面风险管理是一脉相承的，其本质就是鼓励银行进行全面的、主动的风险管理。通过新资本协议的实施，风险管理将不仅是纯粹的管理行为，同时也是创造价值、控制成本、增加收益的有效手段。银行通过主动风险管理，降低业务风险，提高承担风险所带来的收益，使得风险管理不再是经营的附庸，或者是事后控制损失的工具，而是通过风险管理的独立性、专业性，体现风险管理工作的主动性、前瞻性和收益性，从而真正成为价值创造的手段。通过这一角度去理解，有助于风险管理从业人员认识风险管理工作本身，领悟风险管理的价值所在，提高对风险管理工作的认同度，有助于风险管理价值文化的形成和积淀。
Through the implementation of the new capital agreement, risk management will be not only a purely managerial act, but also an effective means of generating value, controlling costs and increasing returns. By reducing business risks and increasing the benefits of risk-taking, banks will make risk management no longer an adjunct to business, or a tool for managing losses ex post, but will truly be a tool for value creation through the independence, professionalism and ownership of risk management, reflecting the initiative, forward-lookingness and profitability of risk management efforts. By doing so, it will help risk management practitioners to understand the value of risk management in itself, to appreciate the value of risk management, to raise the level of recognition of risk management work, and to contribute to the formation and accumulation of a culture of risk management values.
四、有助于我行业务的持续健康发展
IV. Sustained and healthy development of my business
当前利率市场化、金融脱媒化已势不可挡，对银行的业务结构、客户结构影响已越来越明显，因此银行必须进行业务转型和结构调整，这一形势要求与新资本协议的方法、规则取向是一致的。在实施新资本协议的要求下，主要的方向同样是需对业务结构、客户结构、担保结构等方面进行调整，通过这一调整提高银行的风险收益水平，降低业务风险和资本占用水平，促进银行走向可持续健康发展之路。
The current marketization of interest rates, financial intermediation, and the growing impact on the business structure and customer structure of banks require business transformation and restructuring, a situation that is consistent with the approach and rule orientation of the new capital agreements. The main thrust of the new capital agreements is also to adjust the business structure, the customer structure, the guarantee structure, etc., to raise the bank’s risk-earning level, reduce business risk and capital occupancy levels, and promote the bank’s path towards sustainable and healthy development.
五、简答题：
V, short answer:
1、商业银行内部控制的内涵及构成要素是什么？
（1）商业银行内部控制是商业银行为实现安全性、效益性、流动性经营管理目标，通过制定并实施系统化的制度和程序，对经营风险进行有效识别、评价、控制、监测和改进的动态过程和机制。
/strang> (1) The internal control of commercial banks is a dynamic process and mechanism for effective identification, evaluation, control, monitoring and improvement of business risks by commercial banks through the development and implementation of systematic systems and procedures to achieve safety, efficiency and liquidity management objectives.
（2）商业银行控制体系主要同内部控制环境、风险识别与评估、内部控制措施、信息与交流、监督评价与纠正五个相互独立、相互联系又相互制约的要素构成。其中，内部控制环境包括高级管理层责任、组织结构、内部控制政策与机制、人力资源内部控制文化等方面的内容；风险识别与评估包括信用、市场、操作等方面风险识别与评估；内部控制措施包括授权授信风险控制、岗位分离与权限卡风险控制、信贷资产管理风险控制、资产负债风险控制、财务会计风险控制、运行管理风险控制、国际业务风险控制、中间业务风险控制、洗钱风险控制、信息科技及安全防护风险控制、突发事件风险控制等方面的内控；信息与交流包括信息质量与管理、信息沟通与交流；监督评价与纠正主要包括检查监督履职、纠正与改进等方面的内容。
(2) The commercial bank control system consists mainly of the internal control environment, risk identification and assessment, internal control measures, information and communication, oversight evaluation and correction of five interdependent, interrelated and mutually constraining elements. The internal control environment includes elements such as senior management responsibilities, organizational structures, internal control policies and mechanisms, and human resources internal control culture; risk identification and assessment includes credit, market, operational aspects, etc.; internal control measures include delegation of authority risk control, job separation and control of rights card risk, management of credit assets, asset liability risk control, finance 发展战略和经营目标的实现，有力地保障了商业银行实现其发展战略和经营目标。
(4) Internal control evaluation systems can contribute to higher levels of risk management for commercial bank branches by ensuring that their 法律，银监会的监管要求和商业银行审慎经营原则。
(5) The establishment of an internal control evaluation system will facilitate strict compliance by commercial bank branches with the national , the regulatory requirements of the Superintendence of Banks and the principles of prudential operation of commercial banks.
3、2007年7月3日中国银行业监督管理委员会颁布实施《商业银行内部控制指引》，其中商业银行内部控制应当遵循什么原则？具体包括哪些内容？
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