2021银行综合押题密卷3

卷面总分：100分
答题时间：120分钟
题量：90题
题型：单选题, 多选题, 不定项选择题
试卷简介: 2021银行综合押题密卷3, 此试卷为参加"综合知识"的考生提供的"2021银行综合押题密卷3"的答案和解析。
开始做题
下载试卷
App做题

试题预览

2 单选题 1分
边际报酬递减规律指以下哪一种现象?（　　）
  • A.资源是稀缺的，但某些资源比其它资源更稀缺
  • B.一国居民拥有的某种东西越多，他们获得更多这种东西的愿望就越低
  • C.当两种资源中的一种投入不断增加，而另一种资源数量固定时，边际产量先越来越大后越来越小
  • D.当两种资源中的一种投入不断增加，而另一种资源数量固定时，总产出最终减少
3 多选题 1分
Passage 8
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out.Reverse mortgages,which allow homeowners 62 and older to borrow money against the value of their homes and not pay it back until they move out or die,have long been fraught with problems.But federal and state regulators are documenting new instances of abuse as smaller mortgage brokers,including former subprime lenders,flood the market after the recent exit of big banks and as defaults on the loans hit record rates.
Some lenders are aggressively pitching loans to seniors who cannot afford the fees associated with them,not to mention the property taxes and maintenance.Others are wooing seniors with promises that the loans are free money that can be used to finance long-coveted cruises,without clearly explaining the risks.Some widows are facing eviction after they say they were pressured to keep their name off the deed without being told that they could be left facing foreclosure after their husbands died.
Now,as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings,the newly minted Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders.More than 775,000 of such loans are outstanding,according to the federal government.
Concerns about the multibillion-dollar reverse mortgage market echo those raised in the lead-up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not afford.“There are many of the same red flags,including explosive growth and the fact that these loans are often advertised aggressively without regard to suitability,”said Lori Swanson,the Minnesota attorney general,who is working on reforming the reverse mortgage market.

The“red flags”of reverse mortgage don’t include______.
  • A.explosive growth
  • B.the reform of reverse mortgage market
  • C.little consideration to suitability
  • D.aggressive and improper marketing
4 多选题 1分
Passage 8
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out.Reverse mortgages,which allow homeowners 62 and older to borrow money against the value of their homes and not pay it back until they move out or die,have long been fraught with problems.But federal and state regulators are documenting new instances of abuse as smaller mortgage brokers,including former subprime lenders,flood the market after the recent exit of big banks and as defaults on the loans hit record rates.
Some lenders are aggressively pitching loans to seniors who cannot afford the fees associated with them,not to mention the property taxes and maintenance.Others are wooing seniors with promises that the loans are free money that can be used to finance long-coveted cruises,without clearly explaining the risks.Some widows are facing eviction after they say they were pressured to keep their name off the deed without being told that they could be left facing foreclosure after their husbands died.
Now,as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings,the newly minted Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders.More than 775,000 of such loans are outstanding,according to the federal government.
Concerns about the multibillion-dollar reverse mortgage market echo those raised in the lead-up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not afford.“There are many of the same red flags,including explosive growth and the fact that these loans are often advertised aggressively without regard to suitability,”said Lori Swanson,the Minnesota attorney general,who is working on reforming the reverse mortgage market.

What can we learn about mortgage loans from the first paragraph
  • A.The loans are expected to help seniors stay in their homes.
  • B.The loans are driving all seniors out of their homes.
  • C.The reverse mortgage only welcomes seniors
  • D.any seniors can apply for reverse mortgage.
5 多选题 1分
Passage 8
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out.Reverse mortgages,which allow homeowners 62 and older to borrow money against the value of their homes and not pay it back until they move out or die,have long been fraught with problems.But federal and state regulators are documenting new instances of abuse as smaller mortgage brokers,including former subprime lenders,flood the market after the recent exit of big banks and as defaults on the loans hit record rates.
Some lenders are aggressively pitching loans to seniors who cannot afford the fees associated with them,not to mention the property taxes and maintenance.Others are wooing seniors with promises that the loans are free money that can be used to finance long-coveted cruises,without clearly explaining the risks.Some widows are facing eviction after they say they were pressured to keep their name off the deed without being told that they could be left facing foreclosure after their husbands died.
Now,as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings,the newly minted Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders.More than 775,000 of such loans are outstanding,according to the federal government.
Concerns about the multibillion-dollar reverse mortgage market echo those raised in the lead-up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not afford.“There are many of the same red flags,including explosive growth and the fact that these loans are often advertised aggressively without regard to suitability,”said Lori Swanson,the Minnesota attorney general,who is working on reforming the reverse mortgage market.

Which is true about the new rules from Consumer Financial Protection Bureau
  • A.The rules are good for lenders while bad for borrowers.
  • B.The rules will help baby boomer seniors to save money.
  • C.The rules will help consumers better understand reverse mortgage
  • D.The rules will be stricter for consumers.
千题库百度小程序 百度扫一扫练题
千题库公众号二维码 关注千题库公众号

综合知识-题库

千题库下载

进入题库

相关试卷

2022年《综合知识》模拟试题1
2022年《综合知识》模拟试题2
2022年《综合知识》模拟试题3
2022年《综合知识》模拟试题4
2022年《综合知识》模拟试题5
2022年《综合知识》模拟试题6
2022年《综合知识》预测试题一
2022年《综合知识》预测试题二
2022年《综合知识》预测试题三
2022年《综合知识》预测试题四
2022年《综合知识》预测试题五
2022年《综合知识》预测试题六