The 2022 Banking Qualification Examination has been postponed for two months. Although there are two extra months of review time, it is not necessarily a good thing for the candidates, but whether it is a blessing or a curse, everyone We must face it calmly. Next, come with me to take a look at the collection of knowledge points for the 2022 Junior Banking Qualification Examination "Personal Finance"! The subject of civil legal relations

The subject of civil legal relations refers to the "person" who participates in civil legal relations, enjoys civil rights and assumes civil obligations. Including natural persons, legal persons and unincorporated organizations.

① Natural person

② Legal person

Concept: A legal person has the capacity for civil rights and civil conduct and independently enjoys civil rights and responsibilities in accordance with the law. Organization of civil obligations.

Requirements for establishment: Established in accordance with the law; have its own name, organizational structure, residence, property or funds; approved by relevant agencies.

Classification: For-profit legal persons (limited liability companies, joint stock companies and other corporate legal persons, etc.); non-profit legal persons (institutions, social groups, foundations, social service organizations, etc.); special legal persons. In personal financial services, especially private banking, the most common legal clients are for-profit legal entities. Contract legal system

(1) Concept

A contract is an agreement between civil subjects to establish, change, and terminate civil legal relationships.

(2) Conclusion

①The parties have corresponding civil rights and civil conduct capacity.

②The parties conclude a contract in written form, oral form and other forms.

(3) Standard clause contract

Standard clauses are clauses that are drawn up in advance by the parties for repeated use and are not negotiated with the other party when making the contract.

(4) Invalidity of the exemption clause in the contract

① Causes personal injury to the other party;

② Causes property damage to the other party due to intention or gross negligence.

(5) Cancellable contract

A contract signed based on a major misunderstanding, implemented by fraudulent means, or subject to fraud or coercion by a third party.

(6) Performance of the contract

①The parties shall fully perform their obligations as agreed.

②Right of defense for contract performance.

Right of simultaneous performance of defense: If the parties owe each other debts and there is no order of performance, they shall be performed at the same time. One party has the right to refuse the other party's performance requirements before the other party performs. One party has the right to reject the other party's corresponding performance requirements when the other party's performance of debts does not meet the agreement.

Right of defense of first performance: The parties owe each other debts, and there is a sequence of performance. If the party that performs first fails to perform, the party that performs later has the right to refuse its performance request. If the first-performing party fails to fulfill its obligations as agreed, the later-performing party has the right to reject its corresponding performance requirements.

Right of defense: If the party that should perform its debt first has concrete evidence proving that the other party has one of the following circumstances, it can suspend performance: serious deterioration in business conditions; transfer of property or evacuating funds to avoid debt; loss of Business reputation; other situations where the company has lost or may lose the ability to perform debts. If a party suspends performance without definite evidence, it shall bear liability for breach of contract.

(7) Liability for breach of contract

Form of liability for breach of contract:

① Continue to perform

② Compensate for losses

　④Comply with pricing penalties

　⑤Take remedial measures China’s legal system:

(1) Take the Constitution as the commander-in-chief and Law is the backbone, with administrative regulations and local regulations as important components. It is an organic unity composed of multiple legal departments such as constitutional law, civil law and commercial law, administrative law, economic law, social law, criminal law, litigation and non-litigation procedural law, etc. overall.

(2) The work of financial planners mainly involves the laws and administrative regulations in the legal system

① Involving laws: "The People's Republic of China and the Civil Code" and "The People's Republic of China" The Commercial Bank Law of the People's Republic of China, the Securities Law of the People's Republic of China, the Securities Investment Fund Law of the People's Republic of China, the Insurance Law of the People's Republic of China, and the Securities Law of the People's Republic of China. National Trust Law" etc.

② Involving administrative regulations: "Measures for the Supervision and Administration of Financial Management Business of Commercial Banks", "Measures for the Administration of Sales of Securities Investment Funds", "Measures for the Administration of Private Asset Management Business of Securities and Futures Operating Institutions", "Private Asset Management Plan of Securities and Futures Operating Institutions" Operation Management Regulations" etc. Examination content

1. Required subject: "Banking Laws, Regulations and Comprehensive Abilities"

Examination purpose: To pass this subject examination, test candidates' application of basic knowledge of the banking industry, The ability to analyze and judge problems and handle basic business based on laws and regulations related to the banking industry and the basic standards and professional ethics of banking industry practitioners.

Mainly examine knowledge points: economic and financial basics, banking business, bank management, legal basis of banking practice, bank supervision and self-discipline

2. Selected subjects: "Banking Professional Practice - Banking Management》

Purpose of the examination: To pass this professional examination, examine whether the candidates have reached the qualification level of banking managers and have the level of ability to perform duties matching the position, including examining their understanding of the relevant economic and financial systems. And the degree of mastery of laws and regulations, management of banking financial institutions, protection of financial consumers' rights and interests, etc., focusing on the actual application and control ability of compliance management of banking financial institutions, key points of various basic business risk control and corresponding regulatory requirements.

Mainly examine knowledge points: economic policy, regulatory system, basic banking business, bank operation management and innovation, non-bank financial institutions and business, internal control, compliance management and auditing, bank risk management, banking industry consumption Protection of the rights and interests of shareholders and social responsibility

3. Selected subjects: "Banking Professional Practice - Risk Management"

Examination purpose: The risk management examination is based on the authoritative framework system of domestic and foreign regulatory standards. Closely integrate with the basic practices of domestic banking business and risk management, and aim at the basic understanding of all employees of banking institutions, especially grassroots practitioners, unify the basic concepts and terminology of risk management, and master the basic knowledge of risk management, risk culture, and risk limits. , risk preference, three lines of defense and other basic contents, focusing on credit risks and operational risks related to grassroots practical work.

Main inspection knowledge points: risk management foundation, risk management system, capital management, credit risk management, market risk management, operational risk management, liquidity risk management, country risk management, reputation risk and strategic risk Management, other risk management, stress testing, risk assessment and capital assessment, banking supervision and market constraints

4. Selected subjects: "Banking Professional Practice - Personal Finance"

Examination purpose : Passing this exam will test candidates’ mastery of basic knowledge and skills in personal finance, including testing the application of professional knowledge and skills such as financial investment markets, financial products, financial business management, etc.; test candidates’ understanding of personal financial services Mastery of relevant laws and regulations, customer classification and demand analysis, financial calculation tools, etc. Comprehensively apply the knowledge and skills of this subject to conduct personal financial management business legally and compliantly

Mainly examine knowledge points: personal finance, laws and regulations related to personal financial management business, financial investment market, financial management products, customer classification and needs Analysis, financial planning calculation tools and methods, financial planners’ work processes and methods, financial planners’ financial service skills, and other laws and regulations related to personal financial management business

5. Selected subjects: "Banking Professional Practice—Company" Credit》

Examination purpose: To pass this subject examination, test candidates’ application of knowledge related to the field of banking and corporate credit, including basic knowledge of corporate credit, corporate credit operating procedures, analysis methods and management requirements, as well as corporate credit related Laws and regulations, etc., and the ability to handle basic credit business of banking companies.

Main inspection knowledge points: corporate credit, loan application acceptance and pre-loan investigation, loan demand analysis, loan environment risk analysis, loan environment risk analysis, customer analysis and credit rating, guarantee management, credit approval, loan Contracts and disbursements, post-loan management, loan risk classification and loan loss reserve provision, non-performing loan management

6. Select the subject "Banking Professional Practice - Personal Loans"

Examination purpose: To pass this subject examination, test candidates’ application of bank personal loan business-related knowledge, including personal loan basic knowledge and business management, operating procedures and risk management of various business types, personal loan-related laws and regulations, etc., to handle bank personal loans Basic business capabilities.

Mainly examine knowledge points: basics of personal loan business, personal loan management, personal housing loans, personal consumption loans, personal business loans, credit card business, personal credit system