发布时间 : 星期二 文章银监会历年英语面试真题及参考答案更新完毕开始阅读38bbf545580216fc700afdbf
work deeply and learn the new knowledge from practice.
On the other hand, the economic theory always teach me to keep the cost and profit, the risk in mind. It teaches me how to analyze problems logically and rationally. I think this is of special importance to bank regulators.
7、银监工资待遇不高，为什么来
Payment is one of the factors to consider in job-hunting, but it is not the most important one.
I'm looking for a job being meaningful and important which can incorporate both my education and practical work skills. Being a regulator in CBRC is the best choice for me .
First of all, CBRC is specialized in banking supervision and regulation. It has great influence on the stability of banking institutions and the sound development of our financial system. I want to contribute my strength in this great undertaking.
Secondly, through six years learning, I have got a good grasp of financial theories and economic knowledge . The work in CBRC can put what I learned in school into practice.
Last but not least, I'm interested in banking regulation. Just as the saying goes\best teacher.\That's why i want to work in CBRC and be a regulator..
8、如果你要做一个监管项目，需要相关数据，并且要求提供准确的结果，步骤是什么。 The accuracy of the data is the starting point and destination point of the investigation. In order to obtain accurate data, I will carry out investigations as follows:
Firstly, according to the survey purpose and requirements, I will make proper investigation plan, including the time, place, matter, and participants and other details.
Secondly, after the agreement of the leader, I will conscientiously implement the personnel division of labor.
Thirdly, in the progress of investigation, I will apply a variety of survey methods, such as questionnaires, face-to-face interviews, online open for comments. During the process if there should encounter any problem, i will solve them timely to ensure that the investigation work carried out smoothly
Last but not least, after the survey, I will analyze the data scientifically, both qualitatively and quantitatively. And finally I will accomplish the the survey report for the leadership review.
9、如果你和同事对一件事情有不同的看法，如何达成一致
It is a very common phenomena in work. Every one is unique. We have different knowledge base, different ways of thinking, different experience. And i believe this is a good phenomena. It proves that we work hard and we try to reach a better result.
When we have different opinions in the work, firstly, try to accept it with an open heart and listen to it with careful ears.
Secondly, analyze these idea according to cost and benefits to see which one is better.
Finally, after proper analyze and compare, judge which one is better and make the decision.
I belive through effective listening , communication and analyze, we can finally come to a conclusion and reach a better solution.
10、你认为怎么成功完成从学生到工作的转换？
1. Clear objectives. The aim of students is to learn the basic knowledge. And aim of employee is to achieve business goals. The clear aim will help me converting from student to work smoothly. 2. Communication. I will communicate with other colleagues, to learn from experienced staff, share my ideas with others.
3. Team sprit. I will work with my team member, help each other, exchange of needed goods.
经济类：
1、what is the goal of monetary policy?
Monetary policy refers to a set of policies took by the central bank to control the supply of money and interest rates. In the short term, the goal of monetary policy is to control the currency value and interest rates. In the long term , the goal of monetary policy can be concluded as: First, fight inflation and deflation thus to keep the price index stable; Second, keep international payments balanced, don't make it too strong or too weak. Last but not least, the monetary policy is committed to promoting low unemployment and high economic growth.
2、what monetary policies the central bank usually take?
Monetary policy refers to a set of policies took by the central bank to control the supply of money and interest rates for the purpose of promoting economic growth and stability. Monetary policy can be divided into two types, expansionary or contractionary。
The first type is expansionary monetary policy. It increases the total supply of money in the economy more rapidly than usual. Expansionary policy is traditionally used to combat unemployment in a recession by lowering interest rate. Lower interest rate can stimulate investment and easy credit will entice businesses into expanding. Thus, it helps the economy get out of recession.
The second type is contractionary monetary policy. It expands the supply of money more slowly than usual or even shrinks it. It is intended to slow inflation in the hopes of avoiding the distortions and the loss value of assets. Its goal is to prevent overheated growth.
3、What monetary tools the central bank usually take？
Monetary tools took by the central bank can be divided into two types, the ordinary tools and the selective tools.
The first type is the ordinary tools. It includes the deposit reserve ration, the rediscount rate, open market operation. These three tools are also called the three magic weapon. The second type is the selective tools. It includes the credit control on consumers, stock market, real estate, the preferential interest rate, the window guidance and moral suasion. These monetary tools are used by central banks to implement monetary policy in order to ensure the stability and sound development of our national economy.
4、国际金融危机对哪类企业影响最大，如何影响
In my opinion, the international financial crisis has the greatest impact on the small and medium sized enterprises specialized in exports. Reasons for this can be concluded as follow:
Firstly, Small and medium sized enterprises rely heavily on external demand. Since the
outbreak of financial crisis, the import demand of European and USA economies shrink seriously, leading to reduced orders.
Secondly, small and medium sized enterprises' have weak competitiveness and low innovation capacity. The exports they produce are labor-intensive and can be easy copied. They have no proper mechanism to resist risks when demand shirks and cost goes up. Lastly, SME have difficulties to get financing from market and commercial banks which exacerbates the situation.
In order to soften the negative effect caused by financial crisis, we should increase domestic demand, urge SME to speed up transformation and upgrading and provide proper credit to support their development.
5、国际金融危机对中国的影响（欧债危机对我国的影响）
The globe financial cirsis has diverse impact on our national economy. The influence can be concluded as:
Firstly, financial crisis affects China's exports through trade channel. The external demand of European and USA economies shrink seriously, leading to reduced orders. Besides the worldwide economic slowdown may lead to trade protectionism which makes a much more difficult situation for the export enterprises.
Secondly, financial crisis affects capital inflows through financial channel. It increases global risk aversion, capital inflows will decline.
Thirdly, financial crisis affects capital markets through the confidence channel. It increases the uncertainty about the future thus discourage the investment, which can be reflected by the stock market.
Last but not least, financial crisis causes the loss value of China's foreign currency reserve assets.
In order to soften the negative effects caused by financial crisis, we should increase domestic demand, speed up transformation and upgrading and strengthen the capacity to resist risk.
6、wto对于发达国家，发展中国家的不同作用
The World Trade Organization (WTO) deals with the global rules of trade between nations. Its main function is to ensure that trade flows as smoothly, predictably and freely as possible.
WTO plays different roles in developed countries and developing countries.
Firstly, for developed countries, by their strong power and status in WTO, they can make trade rules and regulations more beneficial to their own interests. Thus, developed countries can fully enjoy the cheap goods and services from the developing countries and export more high-tech goods to the developing countries.
Secondly, for the developing countries, entering WTO is a double-edged sword. From the sight of exports, they can enjoy certain rights in WTO such as the Generalized System of Preferences. From the sight of imports, WTO makes their market more competitive which will urge the domestic enterprises become more efficient. The negative effect to participate WTO is that they may hurt by the trade protectionism and their national industry may be challenged. In my opinion, the benefits overcome the harm
which can be proved by the ten golden years happened in China since we entered the WTO.
7、入世十年对中国产生的影响
Since our accession to the WTO in 2001, China has actively participated in the globalization process and made remarkable achievements in foreign trade, foreign capital utilization and international economic cooperation. Remarkable achievements can be concluded as follow.
Firstly, in trade aspects, China's foreign trade volume goes up from sixth place in 2001 to second place in 2010. China becomes the greatest exporter and the second-biggest importer.
Secondly, foreign investment achieves comprehensive improvement in scale and quality. China has become the second largest foreign investment recipient country in the world. The focus has been shifted from scale and speed to quality and efficiency. The means have been diversified as well.
Thirdly, outbound investments and international economic cooperation increased continuously. They are playing positive roles in promoting China's stable and relatively rapid economic development.
Last but not least, the socialist market-oriented economic system has been greatly improved during the ten years.
In the future, China will continue to implement the mutually beneficial and open strategy and further raise the level of the opening-up.
8、这次金融危机与监管者有没有关系
One of root causes of financial crisis happened in 2008 is lack of effective financial regulation which can be concluded as follow:
Firstly, it lack of effective financial regulation aimed at investment banks, finance companies and mortgage dealers. These financial institutions took this opportunity to use new derivatives to purse high profit.
Secondly, it lack of effective regulation to financial innovation. Derivatives belong to virtual sectors of the economy, financial product innovation and development can not be divorced from the needs of the real economy, otherwise, there will be a bubble economy, and ultimately harm the development of the real economy
Thirdly, it lack of effective financial regulation of senior executives of financial institutions. Their decision-making is directly related to the stability and development of financial system.
Fourthly, it lack of effective regulation to credit rating agencies. The wrong information they give misguided consumers and cause huge losses to investors.
Last but not least, lack of coordination between financial regulators, leads to failure of financial supervision.