11

{ "code": 200, "msg": "ok", "data": [ { "id": 73154, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54272, "score": 0, "sort": 0, "option": [ "民法制裁", "相关资料", "账务数据", "原始资料" ], "stem": "信用管理从业人员应适当保存分析、预测或建议中所使用和依据的（），以备行政管理部门查证", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73155, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54528, "score": 0, "sort": 0, "option": [ "国家法律法规", "公民基本准则", "行业规范", "商业合同" ], "stem": "信守（ ）是对交易对方守信的具体表现，是商业道德水平高的体现。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73156, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54273, "score": 0, "sort": 0, "option": [ "公司总经理", "公司董事长", "公司法定代表人", "公司股东" ], "stem": "企业在工商登记注册时，需要提交由（ ）签署的《公司设立登记申请书》", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73157, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54529, "score": 0, "sort": 0, "option": [ "买卖公平的原则", "独立自主的原则", "诚实信用的原则 ", "自我约束的原则" ], "stem": "票据的签发等原则是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73158, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54274, "score": 0, "sort": 0, "option": [ "信用交易达50%以上，人均GDP超过5000美元", "信用交易达70%以上，人均GDP超过5000美元", "信用交易达50%以上，人均GDP超过2000美元", "信用交易达70%以上，人均GDP超过2000美元" ], "stem": "根据经济发展的历史经验，可说明该国经济进入信用经济阶段的指标是（ )", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73159, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54530, "score": 0, "sort": 0, "option": [ "传真催收", "实地拜访", "电话催收", "信件催收" ], "stem": "（ ）是催收成本最少的方式。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73160, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54275, "score": 0, "sort": 0, "option": [ "某企业后勤处承诺：每一个车间水管坏时，我处水电工将于接通知后1分钟内到达现场。（注：该企业但车间分布在不同的厂区，每一个厂区离后勤处的距离都在15分钟以上的路程，并且该处只有一名水电工。）", "某企业销售部承诺：我部将于接到货款后7日内发货", "某企业会计向该企业承诺：车间内生产的产品的抽查合格率都保证在98%以上", "某企业向社会承诺：他们已发明了永动机，不用任何燃料，可以永远工作不花钱" ], "stem": "下面哪个承诺符合ICE8000明确承诺制度的科学性要求：（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73161, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54531, "score": 0, "sort": 0, "option": [ "Z计分模型", "马萨利模型", "营运资产分析模型", "特征分析模型" ], "stem": "（ ）主要用来评估客户的资金和信用实力，并可以核定客户的具体信用限额。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73162, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54276, "score": 0, "sort": 0, "option": [ "三位", "四位", "五位", "六位" ], "stem": "全宗号是整个信用档案的代码，一般用（）代码标识。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73163, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54532, "score": 0, "sort": 0, "option": [ "流动比率越高，表明客户短期偿债能力越弱", "资本结构比率越高，客户净资本越多", "客户净资本相对越少，对债权人风险越小", "资本结构比率越高，债权人风险越大" ], "stem": "（ ）关于资产负债比率下列说法正确的是。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73164, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54277, "score": 0, "sort": 0, "option": [ "快速、高效、便捷", "程序严谨", "能够大量采集客户资料", "能够提供一定法律保障" ], "stem": "以下不属于书面申请特点的是（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73165, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54533, "score": 0, "sort": 0, "option": [ "客户档案管理", "客户资信管理", "资信调查", "资信评级" ], "stem": "（ ）是企业信用管理的基础，是客户管理最重要的一环。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73166, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54278, "score": 0, "sort": 0, "option": [ "诚实守信是市场经济法则", "诚实守信是企业的无形资产", "诚实守信是为人之本", "奉行诚实守信的原则在市场经济中必定难以立足" ], "stem": "关于诚实守信的说法错误的是（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73167, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54534, "score": 0, "sort": 0, "option": [ "管理混乱型拖欠", "习惯型拖欠", "纠纷型拖欠", "衰落型拖欠" ], "stem": "（ ）样的顾客欠款最好追回。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73168, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54279, "score": 0, "sort": 0, "option": [ "决策科学化 ", "提高竞争力", "决定经济效益", "决定前途与命运" ], "stem": "市场经济条件下，职业道德最终将对企业起到(　　)的作用", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73169, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54535, "score": 0, "sort": 0, "option": [ "卫生部门 ", "质检部门", "工商部门 ", "农业部门" ], "stem": "（ ）机构是可以监督产品质量的。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73170, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54280, "score": 0, "sort": 0, "option": [ "守法、自律、严谨", "忠诚、审慎、勤勉 ", "科学、民主、自由", "自由、平等、博爱 " ], "stem": "职业活动内在道德准则是（ ??）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73171, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54536, "score": 0, "sort": 0, "option": [ "剔除风险较大的客户", "保护对企业有较大交易价值的客户", "维护企业整体利益", "维护企业客户资源在平均水平" ], "stem": "资信调查的功能和目的不包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73172, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54281, "score": 0, "sort": 0, "option": [ "增强职业态度", "强化职业责任", "提高职业素质 ", "规范职业行为" ], "stem": "爱岗敬业的具体要求是:树立职业理想，(　)，提高职业技能。", "image": "", "answer": "B　", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73173, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54537, "score": 0, "sort": 0, "option": [ "经营范围的大小", "经营方针", "成立时间的长短", "注册资本" ], "stem": "企业（ ）客观上反映了企业的市场基础。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73174, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54282, "score": 0, "sort": 0, "option": [ "互利互惠，一视同仁 ", "加强交流，平等对话", "只要合作，不要竞争", "人心叵测，谨慎行事" ], "stem": "企业生产经营活动中，促进员工之间平等尊重的措施是(　　)", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73175, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54538, "score": 0, "sort": 0, "option": [ "市场", "监管", "法律", "客户" ], "stem": "信用管理从业人员职业道德规范主要来自（ ）方面的要求、行业自律要求、企业信用要求。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73176, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54283, "score": 0, "sort": 0, "option": [ "思想政治素质", "科学文化素质", "专业技能素质", "职业道德素质" ], "stem": "职业素质的核心是（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73177, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54539, "score": 0, "sort": 0, "option": [ "承运人", "收货人", "委托人", "托运人" ], "stem": "下列不属于货主范畴的是（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73178, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54284, "score": 0, "sort": 0, "option": [ "文化氛围", "舆论氛围", "文化精神", "社会氛围" ], "stem": "一个社会的和谐本质上体现为一种（）的和谐", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73179, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54540, "score": 0, "sort": 0, "option": [ "货主与运输参与者", "运输节点", "运输经济现状", "运输线路" ], "stem": "下列选项中不属于运输系统构成要素的是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73180, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54285, "score": 0, "sort": 0, "option": [ "顺其自然", "努力想办法改变现状", "请同事帮忙", "换个工作" ], "stem": "在工作中当你业绩不如别人时，你通常会采取哪一种做法()", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73181, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54541, "score": 0, "sort": 0, "option": [ "客户还款计划的调整", "处理坏账", "商款追收", "应收账款余额管理" ], "stem": "企业建立应收账款的预警机制，该机制主要包括合同期内的应收账款监控、预警期内的应收账款管理和（ ）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73182, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54286, "score": 0, "sort": 0, "option": [ "提供授信额度的建议", "内容具体核实", "技术含量高", "注重信息的核实" ], "stem": "欧洲风格报告的优点是（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73183, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54542, "score": 0, "sort": 0, "option": [ "搬运、配送 ", "运输 ", "加工、储存", "物品移动、储存" ], "stem": "运输的功能有（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73184, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54287, "score": 0, "sort": 0, "option": [ "商业银行准备金增加，从而基础货币增加", "商业银行准备金减少，从而基础货币减少", "商业银行准备金增加，从而基础货币减少", "商业银行准备金减少，从而基础货币增加" ], "stem": "中央银行在公开市场上购买政府债券将引起（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73185, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54543, "score": 0, "sort": 0, "option": [ "模板布置法", "散布图法", "矩阵图法", "决策树法" ], "stem": "在进行产品质量管理时，可选用的工具不包括（)", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73186, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54288, "score": 0, "sort": 0, "option": [ "企业缺乏信用意识", "企业经营理念落后", "企业风险管理能力弱", "商业道德水平低" ], "stem": "不属于企业信用风险产生的内部因素是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73187, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54544, "score": 0, "sort": 0, "option": [ "预付账款", "其他应付账款", "应付账款", "预收账款" ], "stem": "报表中应收账款项目填列涉及到应收账款和（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73188, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54289, "score": 0, "sort": 0, "option": [ "主观违约", "履约意识不强", "信息不对称", "自然灾害" ], "stem": "从经济学的角度看：信用风险源于( )。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73189, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54545, "score": 0, "sort": 0, "option": [ "订单号、企业和银行账号、信用管理人员姓名B、订单号、形式发票号、凭证日期、信用管理人员姓名", "订单号、形式发票号、凭证日期、信用管理人员姓名", "单号、形式发票号、凭证日期、信用管理人员姓名", "形式发票号、凭证日期、金额、企业和银行账号、信用管理人员姓名" ], "stem": "以下哪一种关于对账明细单的内容是完整和正确的（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73190, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54290, "score": 0, "sort": 0, "option": [ "债务人向担保机构承诺的担保", "对担保机构的担保", "第三人向担保机构承诺的担保", "债务人向担保机构的担保" ], "stem": "再次担保的概念，说法正确的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73191, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54546, "score": 0, "sort": 0, "option": [ "为信用经理提供决策依据", "为客户保存付款记录", "为电话催收提供基础资料", "为商账追收机构提供基础资料" ], "stem": "内勤催账人员写催账进展报告的必要性在于（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73192, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54291, "score": 0, "sort": 0, "option": [ "失信惩戒机制", "法律法规", "行业自律", "监管当局" ], "stem": "社会的信用体系的主要特点是（ ）所能代表的经济伦理。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73193, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54547, "score": 0, "sort": 0, "option": [ "18", "15", "13", "11" ], "stem": "甲公司坏账准备期初贷方余额为10万元，本期计提坏账准备8万元，转销坏账5万元，转销的坏账又收回2万元，则甲公司期末坏账准备的余额为（）万元", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73194, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54292, "score": 0, "sort": 0, "option": [ "02月08日", "06月22日", "11月04日", "03月18日" ], "stem": " 根据经济发展的历史经验，当一国的人均GDP超过（ ）美元时，该国的经济就开始迈进信用经济阶段的门槛。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73195, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54548, "score": 0, "sort": 0, "option": [ "1、2、3、4", "2、1、3、4", "1、4、2、3", "4、1、2、3" ], "stem": "在催收应收账款时，常用的策略有： 1.信函通知； 2.派员面谈； 3.诉诸法律； 4电告催收。 催收的程序一般是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73196, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54293, "score": 0, "sort": 0, "option": [ "委托专业资信机构调查", "向行业协会索取", "向工商管理部门查询", "向客户的往来企业查询" ], "stem": "客户资信中，企业想其他的供应商提出调查这属于资信调查的（ ）途径。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73197, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54549, "score": 0, "sort": 0, "option": [ "账证核对", "账单核对", "账表核对", "账实核对" ], "stem": "实行会计电算化后，必须进行的对账工作是（　）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73198, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54294, "score": 0, "sort": 0, "option": [ "规避市场风险 ", "促进社会资源优化配置", "提升中小企业的信用能力", "担保信用的放大性" ], "stem": "给企业做出信用担保的机构其主要功能不包括（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73199, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54550, "score": 0, "sort": 0, "option": [ "上期收账效果", "理想收账效果", "行业内平均收账效果", "一年内平均收账效果" ], "stem": "信用管理部门的收账成果可以用是否接近（ ）来检验。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73200, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54295, "score": 0, "sort": 0, "option": [ "信用管理人员应在最快时间内处置客户的申诉，否则将导致问题的升级", "处理客户的申诉需要由专门人员负责，其他员工可以不必做出反应", "任何一个小问题都可能造成客户的申诉，有些可能只是客户发泄不满的举动", "信用管理人员应始终保持良好的心态与客户进行沟通" ], "stem": "对于顾客的申诉，说法有误的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73201, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54551, "score": 0, "sort": 0, "option": [ "是对客户资信情况设定的最低标准", "同时涉及到收入和成本两个方面的问题", "需要随企业、行业、市场情况变化而不断修订", "一般需要设置的过严一些" ], "stem": "关于信用标准，下列说法不正确的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73202, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54296, "score": 0, "sort": 0, "option": [ "非金融机构", "商业银行", "中央银行", "服务提供者" ], "stem": "现金信用是以（ ）提供资金支持的一种消费信用。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73203, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54552, "score": 0, "sort": 0, "option": [ "信用经理是企业中少数的职权大于职责的岗位", "是企业信用管理工作的核心", "可以单独任命也可由企业主管副总经理兼任", "需要一定的会计或财务背景" ], "stem": "关于信用经理的表述，下列说法不正确的是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73204, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54297, "score": 0, "sort": 0, "option": [ "资产流动性", "偿债能力", "盈利能力", "营运能力" ], "stem": "企业的当年资产净收益率主要是反映了（ ）能力的指标。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73205, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54553, "score": 0, "sort": 0, "option": [ "对客户所在行业进行分析", "对客户所在国别的政治形势方面调查", "借助自身信用管理人员经验", "对客户的财务状况进行分析" ], "stem": "以下属于识别风险的主要方法的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73206, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54298, "score": 0, "sort": 0, "option": [ "DSO", "坏账率", "逾期账款率", "信用批准率" ], "stem": "对企业信用管理部门进行业绩考核时，对于（ ）指标需同时做纵向和横向比较。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73207, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54554, "score": 0, "sort": 0, "option": [ "是企业赊销面临的最大风险", "赊销造成的损失比坏账损失小", "不会出现在会计账上", "常常体现为机会成本的增加" ], "stem": "关于客户拖欠货款的风险，下列表述不正确的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73208, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54299, "score": 0, "sort": 0, "option": [ "客户无力付款", "客户拒绝付款", "无法足额偿付货款", "不按期偿贷" ], "stem": "（ ）不属于常见的信用风险。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73209, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54555, "score": 0, "sort": 0, "option": [ "住宅抵押贷款证券化", "汽车贷款证券化", "信用卡债权证券化", "商业性不动产抵押贷款证券化" ], "stem": "下列属于循环型债权的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73210, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54300, "score": 0, "sort": 0, "option": [ "营业执照正副本具有同等法律效力", "营业执照的正副本均为一份", "营业执照副本没有工商局印章，属于无效营业执照", "营业执照正本，应摆放在企业法人住所的醒目位置" ], "stem": "在企业接触新客户时，首要的任务就是审核其是否有营业执照，关于营业执照的审核下列说法错误的是（????）。?", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73211, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54556, "score": 0, "sort": 0, "option": [ "信用经理定期与销售经理会面，通报信用管理进展情况", "信用管理部门与销售部门联合办公，实际体会对方部门工作的不容易", "信用管理部门不断开展针对销售部门的信用培训，统一思想，做好沟通", "当客户的信用申请被拒绝，信用管理部门应对销售部门最好充分解释工作" ], "stem": "在客户信息采集工作中，信用管理部门处理与销售部门之间的矛盾，不必做到的是（????）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73212, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54301, "score": 0, "sort": 0, "option": [ "3-5天", "5-7天", "7-10天", "10-12天" ], "stem": "在货物发出后（）信用管理人员应该与客户取得联系", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73213, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54557, "score": 0, "sort": 0, "option": [ "大型商账追收机构都是国际商账协会的会员", "业务活动受法律或政策的严格约束", "主要手段为法律诉讼", "能够直接从事全球性商账追收的机构非常多" ], "stem": "关于传统征信服务中，商账追收的表述，下列说法不正确的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73214, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54302, "score": 0, "sort": 0, "option": [ "信用管理部门指派专门人员每天到财务部门收集当天产生的应收账款资料", "资料收集齐全后，按照客户名称的不同，分别将应收账款记录到每个客户的销售分户账中", "在货物发出10~15天后，信用管理人员应该与客户取得联系", "在确认并取得相关凭证后，信用管理人员应在该笔应收账款的登记中记录确认的工作已经完成" ], "stem": "关于确认物权转移情况的具体操作步骤，错误的是（???）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73215, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54558, "score": 0, "sort": 0, "option": [ "严，早", "严，晚", "优惠，早", "优惠，晚" ], "stem": "现金折扣越高，现金折扣条件越（ ），客户还款越（）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73216, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54303, "score": 0, "sort": 0, "option": [ "货物争议处理", "货物质量确认", "货物验", "货物对接" ], "stem": "（???）是指，在货物发出后，按照合同规定取得客户对货物质量认可凭证的管理工作", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73217, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54559, "score": 0, "sort": 0, "option": [ "立法和政府有关部门的支持", "数量规模足够庞大的信用服务机构", "个人和企业信用数据库的良好管理和经营", "高素质的司法、执法人员" ], "stem": "信用法律体系的建立，必须依赖的基本条件不包括（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73218, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54304, "score": 0, "sort": 0, "option": [ "老客户适用紧急发货，新客户适用准时发货", "高风险客户适用紧急发货，低风险客户可准时发货", "准时发货是协议约定的，紧急发货是应客户要求的临时性安排", "准时发货时对合同套款的履约，紧急发货是对合同条款的违背" ], "stem": "紧急发货与准时发货的区别主要在于（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73219, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54560, "score": 0, "sort": 0, "option": [ "了解账款逾期时间", "了解客户以往付款记录", "确定企业能接受的底线", "了解客户的欠款特征" ], "stem": "电话追账前的准备工作不包括（）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73220, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54305, "score": 0, "sort": 0, "option": [ "客户负责人姓名", "信用管理人员联系方式", "合同", "日期 " ], "stem": "以下不是质量确认函所必须包括的内容的是（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73221, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54561, "score": 0, "sort": 0, "option": [ "债务人的背景 ", "债务人信用状况", "债务人偿债能力 ", "债务人偿还意愿" ], "stem": "了解（）是追讨账款的重要前提。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73222, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54306, "score": 0, "sort": 0, "option": [ "逾期30天之内", "逾期31-60天", "逾期61-90天", "逾期91天以上" ], "stem": "逾期账款进入（??）停止发货是必然的选择，信用管理人员和信用经理必须将这个时期客户作为重点客户严密监控，频繁地与客户沟通和追讨，直接利用外勤了解情况和追讨在此时是必须的", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73223, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54562, "score": 0, "sort": 0, "option": [ "故障诊断", "无损检测", "现代生产管", "检测技术" ], "stem": "随着现代科学技术的发展，（）技术在工业生产中日益重要，也是产品质量管理的重要手段。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73224, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54307, "score": 0, "sort": 0, "option": [ "应耐心倾听投诉，并对导致会展服务缺陷的情况进行核实", "对所属事实，应尽量采取回避的态度", "仅向领导做好解释工作，并在妥善处理后，会展企业有关接待投诉的人员应向参展者和参观者表示感谢", " 自己处理后无需向领导汇报" ], "stem": "处理参展者和参观者的投诉可采用（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73225, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54563, "score": 0, "sort": 0, "option": [ "营运资产法", "销售量法", "回款额法", "贸易法" ], "stem": "下列不属于信用额度的确定法的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73226, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54308, "score": 0, "sort": 0, "option": [ "三日内", "五日内", "七日内", "十五日内" ], "stem": "失票人应当在通知挂失止付后( )，也可以在票据丧失后，依法向人民法院申请公示催告，或者向人民法院提起诉讼", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73227, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54564, "score": 0, "sort": 0, "option": [ "分散运输", "零担运输", "单边运输 ", "短途运输" ], "stem": "托运批量大小可以为整车运输、（）、集装箱运输和包车运输", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73228, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54309, "score": 0, "sort": 0, "option": [ "信用的交易 ", "信用的标准", "信用的要素", "信用的种类" ], "stem": "受信人、授信人、付款期限、信用支付工具、信用风险均属于（ ）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73229, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54565, "score": 0, "sort": 0, "option": [ "自行追账", "仲裁追账", "委托追账", "诉讼追账" ], "stem": "债务纠纷发生后，企业将逾期账款追收的权利交给专业收账机构，由其代理完成向债务人的追收工作。这种追账方式是（ ）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73230, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54310, "score": 0, "sort": 0, "option": [ "销售人员催收", "内勤催收", "委托追财机构催收", "财务人员催收" ], "stem": "信用管理人员催收逾期财款的方式有（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73231, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54566, "score": 0, "sort": 0, "option": [ "《应收账款清单》", "《应收账款质押登记协议》", "《应收账款质押通知书》", "《应收账款质押合同》" ], "stem": "授信申请人提出申请时，需要提供（ ) ", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73232, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54311, "score": 0, "sort": 0, "option": [ "增加迫收力度", "对案例的专业化处理", "成本与费用的节约", "节省追讨时间" ], "stem": "第三方追债通常采用在案发地或委托代理机构进行操作，避免语言和习惯等的障碍。这体现了第三方追账的（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73233, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54567, "score": 0, "sort": 0, "option": [ "规范债务催收行为", "保护债权人、债务人、第三方、催收机构和催收员的合法权益 ", "促进债务催收行业健康发展", "解决我国受到金融危机的困境" ], "stem": "下列选项中，不属于《中华人民共和国债务催收行业管理条例（立法建议稿）》立法目的的是（ ）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73234, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54312, "score": 0, "sort": 0, "option": [ "客户出现异常状况", "企业账务制度改变", "客户通常按期支付", "运输安排有变动" ], "stem": "由于（），信用管理人员需要提醒客户按期付款", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73235, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54568, "score": 0, "sort": 0, "option": [ "小李对债务人施压，在债务人所在社区张贴催收公告，并公开其详细欠款信息", "小崔利用新学的网络爬虫技术获取债务人通讯录，以开展催收工作", "小王已从催收公司离职，仍假借原公司名义接受朋友委托催讨债务", "小张利用催收员职务便利，将公司催收系统上的债务人信息打包卖给了某贷款公司" ], "stem": "下列行为不涉及触犯公民个人信息罪的是（ )", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73236, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54313, "score": 0, "sort": 0, "option": [ "欠款催收工作是非常程序化的", "工作人员一般使用信函进行催账", "定期向个人征信局报送成批的失信客户信息", "允许催账机构在讨回的账款中取得一定比例的回扣作为报酬" ], "stem": "关于消费者欠款催收功能，下列说法表述错误的是()", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", 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"2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73239, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54570, "score": 0, "sort": 0, "option": [ "头脑冷静", "不善言辞", "性格内向", "不善沟通" ], "stem": "（ ）类型的人，适合从事外勤追收工作", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73240, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54315, "score": 0, "sort": 0, "option": [ "支持营运资金", "合同期内的应收账款监控", "减少管理费用和坏账", "维持良好的客户关系" ], "stem": "应收账款管理的内容，不包括（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73241, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54571, "score": 0, "sort": 0, "option": [ "个人信用交易信息", "公共记录信息", "个人辨识信息", "查询记录" ], "stem": "在个人征信工作红，信用信息采集涉及姓名、别名、身份证号码、社会保障码、出生日期等资料，这属于（ ）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73242, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54316, "score": 0, "sort": 0, "option": [ "扩大销售，足额回收账款", "提高应收账款收益率、按期回收账款", "足额、按期收回账款", "减少坏账损失、足额回收账款" ], "stem": "应收账款要达到的最终目标是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73243, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54572, "score": 0, "sort": 0, "option": [ "第三方提出要求时才表明自己的身份", "第三方要求提供授权委托书的，催收机构及催收员应当出示", "催收机构和催收员不得出售债务人个人信息", "催收机构和催收员与第三方进行联系时，应当做好保密任务" ], "stem": "催收机构及其催收员在向第三方获取债务人的个人信息时，下列哪一行为是错误的（ ）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73244, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54317, "score": 0, "sort": 0, "option": [ "任何情况下不使用过激语言", "用积极的方式对话", "不承认自己工作中的错误", "给客户留面子" ], "stem": "电话催收逾期账款时，应遵守的原则不包括()", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73245, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54573, "score": 0, "sort": 0, "option": [ "及时支付货款?", "DSO逾期30天才偿还", "DSO逾期30—60天才偿还?", "DSO逾期60天才偿还" ], "stem": "一般风险的客户，其支付记录表现为（???）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73246, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54318, "score": 0, "sort": 0, "option": [ "逾期账款提醒函", "催款函", "紧急催款函", "最后通牒" ], "stem": "(?)以律师的名义发出，可以考虑把信函的文字写成红色，以表示严重程度", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73247, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54574, "score": 0, "sort": 0, "option": [ "铁路", "公路", "铁路与公路", "铁路、公路与航空结合" ], "stem": "配送中心送货采取的是（）运输方式", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73248, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54319, "score": 0, "sort": 0, "option": [ "会计控制", "事前会计控制", "事中会计控制", "事后会计控制" ], "stem": "对财务收支活动的结果所进行的考核及其相应的奖惩是（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73249, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54575, "score": 0, "sort": 0, "option": [ "销量第一", "安全第一", "用户第一", "质量第一" ], "stem": "全面质量管理的指导思想是（)", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73250, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54320, "score": 0, "sort": 0, "option": [ "赊销产品到货后", "赊销产品离岸后", "赊销合同到期后", "赊销产品发货后" ], "stem": "在（），客户仍然没有还款，则应收账款为逾期应收账款", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73251, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54576, "score": 0, "sort": 0, "option": [ "银行日志账", "现金日志账", "银行分类账 ", "现金分类账" ], "stem": "会计信息系统银行对账主要将企业（）与银行对账单进行勾对", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73252, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54321, "score": 0, "sort": 0, "option": [ "部门独立", "人员独立 ", "职能独立 ", "信息独立" ], "stem": "对于企业信用管理中（ ）是其独有的特性。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73253, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54577, "score": 0, "sort": 0, "option": [ "对于消费品来讲同样适用", "对于消费品来讲不能适用 ", "对于消费品来讲部分适用", "对于消费品来讲大部分适用" ], "stem": "产品质量法中有关产品质量的规定是（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73254, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54322, "score": 0, "sort": 0, "option": [ "评审客户信用", "处理客户申诉", "设计信用评分数学模型", "信息收集、处理和检索专家" ], "stem": "以下属于客户档案管理人员职责的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73255, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54578, "score": 0, "sort": 0, "option": [ "货物周转量 ", "货物运量", "运输行为", "运输距离" ], "stem": "道路货物运输合同的标的是承运人运送货物所提供的（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73256, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54323, "score": 0, "sort": 0, "option": [ "保证信用的投放 ", "增加政府管理社会的成本", "根治社会失信现象，重蜩社会道德伦理", "提升参与国际竞争优势" ], "stem": "下列选项中对社会的信用体系基本功能描述有误的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73257, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54579, "score": 0, "sort": 0, "option": [ "使用质量", "制造质量", "设计质量", "检验质量" ], "stem": "确保为顾客所提供的产品与所设计的特性相一致的质量称为（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73258, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54324, "score": 0, "sort": 0, "option": [ "前瞻性", "稳定性", "专业性", "灵活性" ], "stem": "信用管理政策的（ ）是相当重要的，它一方面显示了企业的实力，另一方面是企业自身信誉和规范程度的标志。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73259, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54580, "score": 0, "sort": 0, "option": [ "间接转销法", "估算法", "备抵法", "借贷平衡法" ], "stem": "坏账损失的核算方法有（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73260, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54325, "score": 0, "sort": 0, "option": [ "争议解决条款", "合同效力条款", "不可抗拒条款", "违约责任条款" ], "stem": "\"协商”\"仲裁”\"诉讼”是赊销合同中哪一项条款的基本内容？（????）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73261, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54581, "score": 0, "sort": 0, "option": [ "立刻取得与客户的联系，全力缓和客户的敌对心理，最大限度地取得客户谅解", "会同内勤催收人员，想办法得到客户的付款承诺", "在销售分户账中将争议账款从应收账款中扣除，并记入争议账款栏中", "尽力说服客户到期时支付合格部分货物的货款" ], "stem": "在客户提出质量争议后，若经确定质量纠纷属于客户拖延付款或拒绝付款的借口，信用管理人员不应该（???）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73262, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54326, "score": 0, "sort": 0, "option": [ "信用和资产", "信用", "资产", "和其他人的担保" ], "stem": "担保人是以（ ）为担保的。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73263, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54582, "score": 0, "sort": 0, "option": [ "租赁合同中，出租人因未履行租赁维修义务，而承租人自行维修所支付费用无法得到清偿时，承租人对租赁物享有留置权 ", "留置权人与债务人没有约定债务履行期间或者约定不明确的人，留置权人可以随时要求债务人履行债务", "寄存人未按照合同预定支付保管费的，保管人对保管物享有留置权", "委托物不能卖出，经行纪人催告，委托人无正当理由拒绝受领的，行纪人对委托物享有留置权" ], "stem": "下列各项中，符合留置权使用条件的有（ )", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73264, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54327, "score": 0, "sort": 0, "option": [ "支票上的金额可以由出票人授权补记 ", "支票上未记载收款人名称的，不经授权可以补记", "支票可以支付现金 ", "支票可以转账" ], "stem": "下列说法错误的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73265, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54583, "score": 0, "sort": 0, "option": [ "关联银行", "所在行业协会", "上游供应商", "下游供应商" ], "stem": "对于客户（）的信息的采集，重点是围绕客户的付款意愿和付款能力进行调查", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73266, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54328, "score": 0, "sort": 0, "option": [ "必须是不可预见不可避免的客观情况导致的风险才由我方承担", "尽量限制本方承担的风险的条件及责任范围", "尽可能让对方承担风险", "发生争议时要友好协商，避免导致其他不必要的风险" ], "stem": "在赊销合同中，风险分担条款的基本原则是（????）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73267, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54584, "score": 0, "sort": 0, "option": [ "客户供应商信息", "客户购买商信息", "客户财务信息", "客户银行信息" ], "stem": "（）是客户上游对客户的付款情况和评价信息", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73268, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54329, "score": 0, "sort": 0, "option": [ "电话提示", "信函提示", "传真提示", "电子邮箱提示" ], "stem": "账款到期前的提醒工作是期内应收账款管理的基础性工作，在信用管理人员提示客户按期付款的过程中，首选的方法应该是（????）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73269, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54585, "score": 0, "sort": 0, "option": [ "信用经理坐席", "客服投诉", "电子邮件", "信用管理部门投诉网站" ], "stem": "下列最常见的受理客户投诉的渠道为（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73270, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54330, "score": 0, "sort": 0, "option": [ "原材料供应情况", "销售利润率", "平均收账期", "本行业信用政策惯例" ], "stem": "以下哪项不是企业制定信用政策时需要考虑的内部因素（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73271, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54586, "score": 0, "sort": 0, "option": [ "内容不宜过长", "内容不宜过细", "页数不宜过多", "内容不宜仅有正面信息" ], "stem": "以下哪项违背了信用申请表设计的合理性原则（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73272, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54331, "score": 0, "sort": 0, "option": [ "商务部", "税务局", "统计局", "行业协会" ], "stem": "对企业的规模进行划分的标准应选用（ ）划分。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73273, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54587, "score": 0, "sort": 0, "option": [ "经常性的沟通", "定期培训", "协同办公", "充分解释" ], "stem": "处理信用管理部门与销售部门之间的关系，不需掌握（）原则", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73274, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54332, "score": 0, "sort": 0, "option": [ "诚实守信", "决策能力", "沟通技巧", "良好的心态" ], "stem": "一个合格的信用管理师最基本的素质是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73275, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54588, "score": 0, "sort": 0, "option": [ "店面", "仓库", "工厂车间", "办公室" ], "stem": "一般来说，对客户经营情况的审核中，如果是贸易类公司场地审核主要是考察()", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73276, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54333, "score": 0, "sort": 0, "option": [ "客户的相关方信息", "通过行业协，会获取客户信息", "客户的基本信息", "通过政府机关获取客户信息" ], "stem": "在信息采集时，原则是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73277, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54589, "score": 0, "sort": 0, "option": [ "被征信企业", "监管部门", "政府行业主管部门", "行业发展部门" ], "stem": "征信机构提供和使用企业信用信息、企业信用报告以及企业信用评估报告，应当得到（）同意", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73278, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54334, "score": 0, "sort": 0, "option": [ "《刑法》及刑法修正案", "《消费者权益保护法》", "《侵权责任法》", "《信息安全技术-公共及商用服务信息系统个人信息保护指南》" ], "stem": "为了保护个人的信息，出台的法规是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73279, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54590, "score": 0, "sort": 0, "option": [ "2日", "10日", "20日", "30日" ], "stem": "企业信用信息提供单位和个人发现其所提供的企业信用信息错误的，应当及时书面通知征信机构。征信机构应当在接到通知后（）内对相关信息予以更正", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73280, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54335, "score": 0, "sort": 0, "option": [ "国家政策", "行业惯例", "公司实际情况", "客户授信申请" ], "stem": "一般来说，企业的信用标准是遵循（ ）给出的。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73281, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54591, "score": 0, "sort": 0, "option": [ "及时修改", "删掉", "暂不披露和使用", "不做处理" ], "stem": "征信机构对处于异议处理期的信息，应该（)", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73282, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54336, "score": 0, "sort": 0, "option": [ "2%N10or30", "2%10orN30", "2%N10and30", "2%10andN30" ], "stem": "10天内付款享受2%的现金折扣，到期期限为30天，用信用条件常用术语表现的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73283, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54592, "score": 0, "sort": 0, "option": [ "产业研究报告", "公司往来财务信息", "最近三年的财务报表", "征信报告" ], "stem": "企业信用信息采集时，直接向受信者索取的内容包括（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73284, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54337, "score": 0, "sort": 0, "option": [ "是信用条件的一种", "与客户支付情况密切相关", "一般授予长期稳定的客户", "是一种价格调整" ], "stem": "关于商业折扣，下列说法不正确的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73285, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54593, "score": 0, "sort": 0, "option": [ "客户对企业的信用调查存在误解", "客户内部管理混乱", "交易双方买强卖弱", "客户自身信用状况存在缺陷或有不良记录" ], "stem": "客户认为要求他们提供信用信息申请表，是不相信客户的表现，是对自己歧视和侮辱，这是（）而不想提供信用申请表", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73286, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54338, "score": 0, "sort": 0, "option": [ "从征信数据库中直接寻找结果", "参考委托方的意见", "独立进行专业判断", "预告设定期望结果" ], "stem": "征信的人员在征信的过程中应当（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73287, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54594, "score": 0, "sort": 0, "option": [ "对客户催促进行解释", "查询授信审批结果", "确定和批准信用申请", "向销售部门解释审批结果" ], "stem": "信用管理人员的审批后续工作不包括的是()", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73288, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54339, "score": 0, "sort": 0, "option": [ "准确性", "及时性", "公开性", "全面性" ], "stem": "政府对于发布信息的时间限制的要求是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73289, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54595, "score": 0, "sort": 0, "option": [ "信用管理部门采集的资料", "通过专业资信调查渠道获得的资料", "客户自己提供的资料", "企业各业务部门提供的资料" ], "stem": "信息采集的完整性来看，（）完整性是最强的", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73290, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54340, "score": 0, "sort": 0, "option": [ "销售部门", "财务部门", "管理部门", "商务部门" ], "stem": "采集顾客的信用信息主要由（ ）部门负责。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73291, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54596, "score": 0, "sort": 0, "option": [ "坚决杜绝信息采集人员主观臆断", "为保证信息准确，至少通过3个以上渠道采集客户信息", "为保证信息质量，可以适当超出预算成本", "必须在较短时间内采集到有效信用信息" ], "stem": "在采集客户信用信息时，没有遵循信用信息采集原则的是()", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73292, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54341, "score": 0, "sort": 0, "option": [ "确定现金回收目标", "确定具体授信额度", "授信回收", "进行客户的二次利用与开发" ], "stem": "企业授信管理的最终落脚点是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73293, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54597, "score": 0, "sort": 0, "option": [ "客户信用信息采集", "客户信用档案建立", "客户信用申请", "客户信用档案调查" ], "stem": "（）是企业信用交易活动的基础和开端", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73294, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54598, "score": 0, "sort": 0, "option": [ "商业风险=应收账款", "财务风险=应收账款", "商业风险=已接纳的订单+应收账款", "财务风险=已接纳的订单-预收货款" ], "stem": "下列关于商业风险和财务风险的考量方法，正确的是（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73295, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54343, "score": 0, "sort": 0, "option": [ "客户资信管理制度", "赊销业务管理制度", "C、应收账款监控制度", "客户授信制度" ], "stem": "事中控制在企业信用管理中指代的选项是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73296, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54599, "score": 0, "sort": 0, "option": [ "信用相关方", "政府主管部门", "行业自律组织", "关联企业" ], "stem": "客户的授权声明，是企业采集（）信息的授权证明", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73297, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54344, "score": 0, "sort": 0, "option": [ "合同存在漏洞", "有关交易人员与客户相互勾结，故意造成应收账款的逾期", "客户经营出现暂时性困难", "客户经营出现困难，行将破产" ], "stem": "应尽快与企业法律顾问进行沟通，采取对策，减少应收账款收不回来的损失，这是在（ ）时采取的对策。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73298, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54600, "score": 0, "sort": 0, "option": [ "采集客户与本企业的以往交易信息", "采集客户相关方的信息", "实地走访客户的总经理", "在一周内采集完整的客户信用信息" ], "stem": "0)新客户提出信用申请后，信用管理人员必须（)", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73299, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54345, "score": 0, "sort": 0, "option": [ "市场份额的扩大", "客户融资的支持", "坏账损失的减少", "竞争矛盾的激化" ], "stem": "某企业此时正在面临着两难的抉择，一是信用方面的扩张，二是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73300, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54601, "score": 0, "sort": 0, "option": [ "经营场所的所有权、地理位置和环境条件", "产品市场占有率情况", "货源是否稳定", "股东变动情况" ], "stem": "下列那一项不属于审核客户和经营情况应核查的内容（)", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73301, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54346, "score": 0, "sort": 0, "option": [ "A类", "B类", "C类", "D类" ], "stem": "编制和实施催收计划中，将对因自然灾害或客观环境发生较大变化等不可抗拒的因素引起经营极度困难且扭转无望单位的逾期应收账款划分为（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73302, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54602, "score": 0, "sort": 0, "option": [ "按客户规模分类", "按客户类别分类", "按客户重要性分类", "按信用等级分类" ], "stem": "客户被划分为供应商、合作伙伴、分销商、最终客户、政府机构、消费者等，是按（）原则分类", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73303, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54347, "score": 0, "sort": 0, "option": [ "企业应保证货源，并给予其优厚的政策", "完善销售制度，严格按合同供货收款", "加强货款的催收工作、给予一定的优惠政策", "限制供货，不予赊账" ], "stem": "对于流动性差的户头，企业应该采取的销售策略是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73304, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54603, "score": 0, "sort": 0, "option": [ "企业员工的工作态度 ", "员工薪资水平", "员工对企业的忠诚度", "员工流动情况" ], "stem": "在进场采集客户信用信息时，对人员考察时（）最需要调查了解", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73305, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54348, "score": 0, "sort": 0, "option": [ "名称 ", "发展历程", "产品质量", "商标" ], "stem": "企业的标志是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73306, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54604, "score": 0, "sort": 0, "option": [ "厂房", "设备状况", "技术条件", "能源供应条件" ], "stem": "下列不属于资信调查中人力资源信息的是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73307, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54349, "score": 0, "sort": 0, "option": [ "塑造高效形象", "提高授信额度", "改善服务环境", "降低风险" ], "stem": "对于企业设立了信用窗口可以更好的（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73308, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54605, "score": 0, "sort": 0, "option": [ "信用标准和收账政策", "信用标准和信用额度", "信用期限和现金折扣", "现金折扣和收账政策" ], "stem": "下列选项中可以两者统一归为信用条件的是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73309, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54350, "score": 0, "sort": 0, "option": [ "国家工商行政管理局", "国务院有关业务主管部门", "市县工商局市场管理科", "市县工商局公平交易科" ], "stem": "赊销合同文本的受理部门是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73310, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54606, "score": 0, "sort": 0, "option": [ "制定科学的信用决策", "拖欠账款的追收", "弄清企业信用风险的内部原因 ", "应收账款的管理和监控" ], "stem": "一个企业想对自身的信用风险进行把控，第一步就需要解决（)", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73311, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54351, "score": 0, "sort": 0, "option": [ "有形物", "无形物", "行为", "目的" ], "stem": "赊销合同标的条款中，标的种类不包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73312, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54607, "score": 0, "sort": 0, "option": [ "14%", "18%", "16%", "17%" ], "stem": "增值税通常是企业坏账损失的一部分，在我国，增值税一般为（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73313, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54352, "score": 0, "sort": 0, "option": [ "最低成本", "先进先出", "高效率", "满足生产" ], "stem": "提供（ ）样的服务师仓储管理的目标。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73314, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54608, "score": 0, "sort": 0, "option": [ "国际性", "动态性", "国内化", "差别化" ], "stem": "标准的客户信用档案模板，要求指标设计满足信用信息的广度和深度，具有（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73315, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54353, "score": 0, "sort": 0, "option": [ "鉴于条款", "质量条款", "信用条款", "履行条款" ], "stem": "对于赊销合同来讲，（ ）尤为重要，如果该条款表述模糊不清，那么极易让客户找到问题并最终影响赊销合同的效果。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73316, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54609, "score": 0, "sort": 0, "option": [ "经营意图", "客户信用", "贸易规则", "安全性" ], "stem": "选择了国际的贸易结算时，最先考虑的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73317, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54354, "score": 0, "sort": 0, "option": [ "倒查法", "分段法 ", "追溯法", "抽查法" ], "stem": "（ ）搜索方式是最不方便快捷的。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73318, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54610, "score": 0, "sort": 0, "option": [ "法律", "信用制度 ", "信用记录", "征信机构" ], "stem": "信用体系的建立是以（ ）为核心的。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73319, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54355, "score": 0, "sort": 0, "option": [ "出现订单异常时", "不良债权增加", "企业改组，经营者易人", "经营者健康欠佳" ], "stem": "客户状态异常时的情况不包括（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73320, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54611, "score": 0, "sort": 0, "option": [ "满足信用信息的深度、广度和动态指标", "版式不利于计算机化管理", "有英文译本", "检索点设计合乎国家标准和国际标准" ], "stem": "关于标准客户信用档案模板的主要特征，下列表述不正确的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73321, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54356, "score": 0, "sort": 0, "option": [ "使用公式计算", "层次增加法", "以经济实力为基础", "参考同行信用额度" ], "stem": "企业信用额度授权的方式不正确的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73322, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54612, "score": 0, "sort": 0, "option": [ "信息主动提示", "信息更新", "信息的及时传递", "信息显示" ], "stem": "客户信用档案的企业内部咨询服务不包括（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73323, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54357, "score": 0, "sort": 0, "option": [ "资产负债表", "利润表", "财务情况说明书", "现金流量表" ], "stem": "下列选项中属于静态的报表选项是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73324, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54613, "score": 0, "sort": 0, "option": [ "Capacity能力", "Capital资本", "Character品质", "Collateral担保品" ], "stem": "客户评价的3C学说中，（ ）是影响客户信用的首要因素。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73325, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54358, "score": 0, "sort": 0, "option": [ "企业征信", "个人征信", "信息数据挖掘", "信用管理" ], "stem": "下列选项（ ）不属于中信用服务。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73326, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54614, "score": 0, "sort": 0, "option": [ "企业银行账号", "订单号", "凭证日期", "交易类型" ], "stem": "对于明细对账单其包含的内容不包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73327, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54359, "score": 0, "sort": 0, "option": [ "买卖公平的原则 ", "独立自主的原则", "诚实信用的原则", " 自我约束的原则" ], "stem": "签发与取得应该遵循的是（ ）原则。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73328, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54615, "score": 0, "sort": 0, "option": [ "公共信用登记系统可以代替私人信用登记系统", "公共信用登记系统不仅为金融监管部门的信用监管服务，也为商业化信用信息需求提供服务", "公共信用登记系统的数据除来自银行等金融机构外，还包括来自商业、贸易等方面的信用信息", "公共信用登记系统是由金融监管机构设立的" ], "stem": "下列选项中，对公共信用系统说法正确的是（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73329, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54360, "score": 0, "sort": 0, "option": [ "代理商", "最终客户", "企业集团内部单位", "零售商" ], "stem": "风险最低的客户是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73330, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54616, "score": 0, "sort": 0, "option": [ "爱岗敬业", "童叟无欺", "开拓创新", "为人民服务" ], "stem": "我国社会注意职业道德的核心是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73331, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54361, "score": 0, "sort": 0, "option": [ "26%-48%", "49%-63%", "64%-78%", "79%-90%" ], "stem": "大型追账机构的追账成功率平均为（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73332, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54617, "score": 0, "sort": 0, "option": [ "与客户第一次往来交易时", "老客户要求扩大交易额时", "客户要求改变交易方式时", "客户经理认为有必要时" ], "stem": "一般来说，选择债权担保的情形不包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73333, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54362, "score": 0, "sort": 0, "option": [ "客户信用巾请表", "客户资信调查报告", "行业相关法律法规和管理制度", "国家有关信用管理方面的相关法律和法规" ], "stem": "因永久保存的档案是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73334, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54618, "score": 0, "sort": 0, "option": [ "总账和明细账", "总账和辅助账", "明细账和辅助账", "总账和报表" ], "stem": "对账的内容错误的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73335, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54363, "score": 0, "sort": 0, "option": [ "3%-10%", "15%-35%", "10%-60%", "30%-50%" ], "stem": "可信赖的追账机构，一般按照（ ）的比例收取费用。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73336, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54619, "score": 0, "sort": 0, "option": [ "按合同规定时间发货 ", "提前发货", "按批次发货 ", "按规格发货" ], "stem": "货物准时发出是指（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73337, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54364, "score": 0, "sort": 0, "option": [ "1: 1.5", "1: 1", "1: 2", "2: 1" ], "stem": "在发达国家中，信用投放中金融类的信用投放与非金融类的投放比例是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73338, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54620, "score": 0, "sort": 0, "option": [ "人", "物", "资金", "银行信用证" ], "stem": "对赊销企业而言，以（ ）作为担保，这是更能保证债权、有效转移信用风险的方式。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73339, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54365, "score": 0, "sort": 0, "option": [ "保理销售", "保理", "担保", "保险" ], "stem": "（ ）是风险转移的一种手段，它是在确定交易条件的情况下，为赊购方或卖方附加的债权保障。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73340, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54621, "score": 0, "sort": 0, "option": [ "家庭住址", "主营业地 ", "公司地址", "IP地址" ], "stem": "电子合同的成立地点是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73341, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54366, "score": 0, "sort": 0, "option": [ "企业新的利润增长点，风险较小", "企业细分客户群体后确定的合作伙伴，适应采取信用交易方式", "企业新的收入来源，风险不确定，属于需要特别留意的客户", "企业未来重点发展的客户群体，风险较大，必须采取现金交易方式" ], "stem": "企业对于新顾客，其特点是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73342, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54622, "score": 0, "sort": 0, "option": [ "04月29日", "06月28日", "05月29日", "01月29日" ], "stem": "账款超过（ ）日后，可以进行法律诉讼。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73343, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54367, "score": 0, "sort": 0, "option": [ "短期出口信用保险", "中长期出口信用保险", "投资保险", "担保业务保险" ], "stem": "为了支持中国企业到境外投资，鼓励外国企业来中国投资而开办的保险是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73344, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54623, "score": 0, "sort": 0, "option": [ "二分法", "逆查法", "审阅法", "核对法" ], "stem": "企业资信调查的操作方法中，不包括（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73345, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54368, "score": 0, "sort": 0, "option": [ "存出投资款", "回收期在一年以上的应收款项 ", "现金", "存出银行汇票存款" ], "stem": "对于流动的资产其指的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73346, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54624, "score": 0, "sort": 0, "option": [ "流动资产-流动负债", "流动资产", "流动负债", "长期投资" ], "stem": "企业的周转资金是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73347, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54369, "score": 0, "sort": 0, "option": [ "长期投资", "无形资产", "固定资产", "预付费用" ], "stem": "（ ）样的资产是流动较为缓慢的。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73348, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54625, "score": 0, "sort": 0, "option": [ "官方信息", "银行信息", "周围相关人信息", "公共媒介信息" ], "stem": "消费者信用信息采集的方面不包括（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73349, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54370, "score": 0, "sort": 0, "option": [ "常规", "最坏", "理想", "实际" ], "stem": "收账的政策是取决于（ ）收账效果。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73350, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54626, "score": 0, "sort": 0, "option": [ "应收账款管理", "提高授信成功率", "商账追收", "利用征信数据库开括市场" ], "stem": "信用管理的最主要功能在于（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73351, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54371, "score": 0, "sort": 0, "option": [ "70%", "80%", "90%", "1" ], "stem": "在认真履行合同的情况下，企业如果选择保理服务，可得到（ ）的付款保障。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73352, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54627, "score": 0, "sort": 0, "option": [ "信用信息采集和处理", "信用档案的建立和维护", "信用价值评分", "个人违约记录" ], "stem": "消费者信用调查业务操作包括以下几项除了（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73353, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54372, "score": 0, "sort": 0, "option": [ "经济主体履约能力和意愿 ", "经济主体自身的价值和业绩", "股市投资风险的大小", "经济滞胀风险的大小" ], "stem": "对于资信的评价其首要目标是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73354, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54628, "score": 0, "sort": 0, "option": [ "1234", "2134", "1423", "4123" ], "stem": "在催收应收账款时，常用的策略有： 1.信函通知； 2.派员面谈； 3.诉诸法律； 4电话催收。 催收的程序一般是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73355, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54373, "score": 0, "sort": 0, "option": [ "保证", "保付", "保理", "信用保险" ], "stem": "（ ）是指通过购买他人债权而获利的方式。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73356, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54629, "score": 0, "sort": 0, "option": [ "3年内办理过展期、借新还旧的客户", "五级分类为损失的客户", "C、3年内累计出现3次欠息的客户", "未解除预警的客户" ], "stem": "以下不属于重点监控客户的是（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73357, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54374, "score": 0, "sort": 0, "option": [ "储存", "运输", "生产加工", "销售" ], "stem": "保管、（）和控制是仓储的三要素。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73358, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54630, "score": 0, "sort": 0, "option": [ "双向沟通", "手段多样", "效率高", "详尽性和可靠性" ], "stem": "工作日志的优点是（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73359, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54375, "score": 0, "sort": 0, "option": [ "收集资料的信用管理人员态度和蔼可", "人情调查工作的艰苦性", "不应向受信企业轻率发表个人意见", "资信调查工作是一项一次性完成的工作" ], "stem": "下列选项中不属于资信调查需要注意的选项是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73360, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54631, "score": 0, "sort": 0, "option": [ "企业应当定期于每年年度终了，对应收款项进行全面检查，预计各项应收款项可能发生的坏账准备", "“坏账准备”科目的贷方登记实际发生的坏账损失金额和冲减的坏账准备金额 ", "坏账准备是备抵账户", "坏账损失是由于实际发生坏账而产生的损失" ], "stem": "关于坏账及坏账准备，下列说法错误的是（）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73361, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54376, "score": 0, "sort": 0, "option": [ "当天完成全部输入工作", "检验财务报表平衡", "选用万元作为货币单位", "与客户建立数据库链接" ], "stem": "信用管理人员录入客户的信息时必须（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73362, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54632, "score": 0, "sort": 0, "option": [ "将该零售网点今年的坏账开支在销售额中所占的比例与前几年的进行比较 ", "将该零售网点过期的应收账款与其他零售网点进行比较", "将该零售网点今年的过期应收账款与前几年的进行比较", "将该零售网点坏账开支在销售额中所占的比例与其他零售网点进行比较" ], "stem": "某零售商拥有几家零售网点，其中一家网点的经理从现金销售中偷取现金，将相关销售记作应收账款，再将子虚乌有的应收账款作为坏账注销。以下哪种比较能以最有效的方式提示该网点有可能存在此类舞弊？（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73363, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54377, "score": 0, "sort": 0, "option": [ "客户银行一般账号资金往来情况 ", "关联银行的数量", "客户的银行存款的数量", "客户的银行借款金额" ], "stem": "客户的经营情况进行审查时，（ ）不需要审查。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73364, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54633, "score": 0, "sort": 0, "option": [ "填制的程序和用途", "反映的经济业务内容", "取得的来源", "编制的时间" ], "stem": "将会计凭证划分为原始凭证和记账凭证的依据是会计凭证（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73365, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54378, "score": 0, "sort": 0, "option": [ "直接向受信者索取", "向行业协会等机构索取", "向客户的竞争对手查询", "向政府机构查询" ], "stem": "对于资信的调查其方法不正确的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73366, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54634, "score": 0, "sort": 0, "option": [ "04月05日", "03月14日", "05月30日", "04月25日" ], "stem": "按照下列元素（①配货②进货③配装④送货运输⑤储存⑥送到服务⑦拣选⑧配送加工）完成配送业务作业流程的排序。（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73367, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54379, "score": 0, "sort": 0, "option": [ "A+B-C-D", "A+B+C-D", "A-B-C-D", "A-B-C+D" ], "stem": "如果流动比率为A，速动比率为B，短期债务净资产比率为C，债务净资产比率为D，根据资产负债比率,计算估值的公式为（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73368, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54635, "score": 0, "sort": 0, "option": [ "答辩状", "送达回执", "保全个案受理书", "起述书" ], "stem": "逾期票据催收档案中主要包括：（）、逾期托手罚息催收情况、赔付通知书等。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73369, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54380, "score": 0, "sort": 0, "option": [ "通识性、智慧性、止损性、资质性", "双向性、对等性、资质性、惩罚性", "社会性、共识性、双向性、对等性", "单向性、前置性、智慧性、要约性" ], "stem": "诚信的基本特征是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73370, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54636, "score": 0, "sort": 0, "option": [ "长距离大批量低频率", "短距离大批量低频率", "长距离小批量高频率", "短距离小批量高频率" ], "stem": "送货作业是一种（）的运输形式", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73371, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54381, "score": 0, "sort": 0, "option": [ "书面档案", "文字档案", "记录档案", "背景档案" ], "stem": "客户的档案分为两大部分，电子档和（ ）档案。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73372, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54637, "score": 0, "sort": 0, "option": [ "质量检验阶段", "统计质量控制阶段", "全面质量管理阶段", "产品验收阶段" ], "stem": "下列选项中不属于产品质量管理经历的三个阶段的是（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73373, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54382, "score": 0, "sort": 0, "option": [ "审查客户税务登记证", "审查客户组织机构代码证", "去相关部门了解客户情况", "审查客户营业执照" ], "stem": "如何确定当前顾客的合法身份（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73374, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54638, "score": 0, "sort": 0, "option": [ "高层", "中层", "基层", "以上皆可" ], "stem": "在企业的组织结构中，信用管理部门是按照（ ）管理部门设置的。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73375, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54383, "score": 0, "sort": 0, "option": [ "经济纠纷", "离异", "收养情况", "个人身体缺陷" ], "stem": "专业的授信机构不适合采集（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73376, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54639, "score": 0, "sort": 0, "option": [ "签署交易合同", "法律规定", "双方的约定", "交易者希望突破商品交易在时间和空间上的局限" ], "stem": "赊销的发展根本原因是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73377, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54384, "score": 0, "sort": 0, "option": [ "制造企业", "非制造企业", "上市企业", "非上市企业" ], "stem": "对于Z值与信用分析的关系，爱德华·奥特曼认为Z小于1.8风险很大，Z大于2.99风险很小，该模型主要针对（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73378, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54640, "score": 0, "sort": 0, "option": [ "同业征信", "商业征信", "联合征信", "金融联合征信" ], "stem": "以下哪项不是征信机构的征信方式（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73379, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54385, "score": 0, "sort": 0, "option": [ "分支行重点营销客户", "贷款客户的账户", "余额较大、活动频繁的账户", "所有账户" ], "stem": "需要重点对账单的选项是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73380, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54641, "score": 0, "sort": 0, "option": [ "产品生产者、销售", "消费者", "消费者协会", "检验人员" ], "stem": "（ ）可以承担产品的质量责任。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73381, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54386, "score": 0, "sort": 0, "option": [ "FICO评分", "基础信用评分", "细分信用评分", "杜兰德信用评分" ], "stem": "（ ）评分的原理是采用排除法，对消费者个人以往的信用记录进行分析，以分析不良信用记录为主。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73382, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54642, "score": 0, "sort": 0, "option": [ "成本分析法", "销量分析法", "边际分析法", "净现值流量法" ], "stem": "（ ）是通过计算不同销售数量情况下企业每日净收益变化情况确定最佳信用销售数量的方法。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73383, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54387, "score": 0, "sort": 0, "option": [ "按照客户信用风险的大小划分", "按照帕累托法则划分", "按照追账成本和难易程度划分", "同时使用多种划分方法" ], "stem": "企业信用管理人员如何划分顾客（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73384, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54643, "score": 0, "sort": 0, "option": [ "商业性信用风险", "金融性信用风险", "道德性信用风险", "非道德性信用风险" ], "stem": "授信方从一开始就打算违约的风险，或者对于是否违约问题毫不在乎，履约观念不强。属于（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73385, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54388, "score": 0, "sort": 0, "option": [ "明确调查的问题", "确定调查对象", "实施调查", "提出调查报告" ], "stem": "为了收集顾客信息的步骤中，最后一步是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73386, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54644, "score": 0, "sort": 0, "option": [ "腐败必然导致亡党亡国", "腐败有损党和政府的形象", "腐败影响了改革开放的顺利进行", "腐败不利于社会主义市场经济体制的建立" ], "stem": "腐败现象有极大的危害性，以下关于腐败的危害性错误的是（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73387, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54389, "score": 0, "sort": 0, "option": [ "商业要素", "环境要素", "保险要素", "资本要素" ], "stem": "6C学说是在5C学说的基础之上，又加入了（ ）要素，目的是为了更加广泛的减少销售中的风险。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73388, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54645, "score": 0, "sort": 0, "option": [ "企业经营业绩", "企业发展战略", "人们的内心信念", "员工的技术水平" ], "stem": "属于职业道德范畴的内容是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73389, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54390, "score": 0, "sort": 0, "option": [ "具备法律知识", "客户服务经验丰富", "高学历、高知识", "经过信用管理专业培训" ], "stem": "收账人员选择是否恰当，在很大程度上决定着收账效果。收账人员应具备的素质不包括（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73390, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54646, "score": 0, "sort": 0, "option": [ "普遍的", "有限的", "无限的", "不特定的" ], "stem": "任何职业道德的适用范围都是（)", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73391, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54391, "score": 0, "sort": 0, "option": [ "全责发生制", "应收应付制", "收入费用配比制", "收付实现制" ], "stem": "现金的流量其计价的基础是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73392, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54647, "score": 0, "sort": 0, "option": [ "职业道德 ", "学识水平", "自身素质", "家庭道德" ], "stem": "在职业活动中，（）的提高有利于人的思想道德素质的全面提高。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73393, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54392, "score": 0, "sort": 0, "option": [ "信用标准", "信用额度", "信用条件", "收账政策" ], "stem": "在很大程度上，（ ）决定了企业的客户群规模。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73394, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54648, "score": 0, "sort": 0, "option": [ "忠孝", "服务意识", "公德意识", "劳动技术" ], "stem": "新的职业道德观念的核心理念是（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73395, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54393, "score": 0, "sort": 0, "option": [ "信用风险防范过程包括事前防范、事中管理和事后处理", "事后管理是指出现了逾期应收账款以后的管理，主要是追回账款，处置失信客户", "风险管理工具包括风险防范类工具和财务类风险工具两类", "对于风险工具的选择，应该按照成本最小的原则选择" ], "stem": "下列的选项中说法不正确的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73396, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54649, "score": 0, "sort": 0, "option": [ "品牌是依靠大规模广告宣传出来的", "品牌是企业的无形资本", "品牌形象树立起来后自然会长久维持", "品牌建立和职员个人不存在直接关系" ], "stem": "有关企业品牌说法正确的是（)", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73397, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54394, "score": 0, "sort": 0, "option": [ "剩余价值", "清算价值", "市场价值", "收益价值" ], "stem": "客户企业的（ ）可被视为客户偿债的最后保证。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73398, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54650, "score": 0, "sort": 0, "option": [ "实践性", "时代性", "客观性", "多样性" ], "stem": "多种职业集体对从业人员道德要求，总是从本职业活动和交往内容出发，适应于本职业活动客观环境和具体条件，这说明职业道德含有（)的特点", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73399, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54395, "score": 0, "sort": 0, "option": [ "生产业绩调查", "原材料调查", "生产力调查", "生产方式调查" ], "stem": "（ ）不属于生产状况调查的内容。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73400, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54651, "score": 0, "sort": 0, "option": [ "有职业道德的人一定能胜任工作", "没有职业道德人干不好任何工作", "职业道德有时起作用，有时不起作用", "职业道德无关紧要，可有可无" ], "stem": "下列有关职业道德的说法中正确的是（)", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73401, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54396, "score": 0, "sort": 0, "option": [ "职业信息", "收入信息", "宗教信息", "信用信息的查询记录" ], "stem": "不能作为个人的征信信息的选项是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73402, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54652, "score": 0, "sort": 0, "option": [ "目标", "手段", "要求", "宗旨" ], "stem": "职业道德是增加企业凝聚力的（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73403, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54397, "score": 0, "sort": 0, "option": [ "如何安排与客户影响的全过程", "如何安排与客户互动的全过程", "如何安排与客户沟通的结果", "如何安排与客户沟通的全过程" ], "stem": "销售人员为了说服顾客购买商品的目的来源是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73404, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54653, "score": 0, "sort": 0, "option": [ "树立产品质量意识", "重视服务质量，树立服务意识", "保守企业一切秘密", "妥善处理顾客对企业的投诉" ], "stem": "下列选项中与维护企业信誉无关的是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73405, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54398, "score": 0, "sort": 0, "option": [ "正确制作《信用商账催收函》", "委托", "了解和审核债务情况", "不需将《信用商账催收函》备案 " ], "stem": "商账催收的步骤不包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73406, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54654, "score": 0, "sort": 0, "option": [ "还款", "无力付款", "不能足款", "拒绝付款" ], "stem": "常见的信用风险不包含（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73407, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54399, "score": 0, "sort": 0, "option": [ "可控风险", "不可控风险", "内部风险", "外部风险" ], "stem": "企业通过信用管理水平的提高和借助征信服务就可以规避、控制、降低、转移的风险是（????）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73408, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54655, "score": 0, "sort": 0, "option": [ "信用管理行业", "信用销售行业", "信用调查行业", "信用担保行业" ], "stem": "（ ）的平衡、快速的发展，是社会信用体系发展的硬指标。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73409, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54400, "score": 0, "sort": 0, "option": [ "尽可能保证采集到的客户信用信息是客观的 ", "采集客户的全部信用信息", "保证客户不拖欠贷款 ", "唯一获得客户的信用信息" ], "stem": "采集客户信息应遵守的原则可以（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73410, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54656, "score": 0, "sort": 0, "option": [ "混合摆放", "浪费空间", "无标识", "堆码不安全" ], "stem": "在仓库的管理中禁止（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73411, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54401, "score": 0, "sort": 0, "option": [ "一对一，面对面的服务", "方便、快捷的服务", "要求最随意的服务", "容易被投诉的服务" ], "stem": "下列对于窗口服务说法正确的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73412, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54657, "score": 0, "sort": 0, "option": [ "社会信用体系正常发挥的保障", "对失信者不能及时有力的惩戒，就是对守信者的惩罚", "使失信者付出经济、名誉代价", "只涉及对失信者的惩戒，不涉及对守信者的奖励" ], "stem": "关于失信惩戒机制，下列表述中不正确的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73413, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54402, "score": 0, "sort": 0, "option": [ "资产计算法", "同业比较法", "初次限额法", "销售预测法" ], "stem": "（ ）不是对企业新客户确定授信的方法。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73414, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54658, "score": 0, "sort": 0, "option": [ "市场失信机制由市场各授信主体共同参与", "市场失信机制采用经济手段和道德手段并用", "失信惩戒机制产生的信用记录", "对失信行为的实质性打击" ], "stem": "（ ）是失信惩戒的基础。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73415, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54403, "score": 0, "sort": 0, "option": [ "流动比率", "短期债务净资产比率", "速动比率", "债务资产比率" ], "stem": "资产负债比率计算估值是衡量客户资信状况的重要指标，以下不属于常用财务比率的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73416, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54659, "score": 0, "sort": 0, "option": [ "客户赖账风险", "合同纠纷", "客户拖欠风险", "贸易纠纷" ], "stem": "可以从（ ）了解一个企业的信用。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73417, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54404, "score": 0, "sort": 0, "option": [ "单个业主制企业", "合伙制企业", "经济联合体", "公司制企业" ], "stem": "担保可以选择的方式不包括（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73418, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54660, "score": 0, "sort": 0, "option": [ "是对失信企业和个人进行的类似刑事的处罚", "不是轻描淡写的道德谴责", "涉及的处罚尺度不是出自《刑法》或《民法》", "公检法不是失信惩戒的执法机构" ], "stem": "关于失信惩戒机制的执行，下列说法中不正确的是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73419, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54405, "score": 0, "sort": 0, "option": [ "综合性", "差别性", "合作性", "分享性" ], "stem": "资信调查工作人员，资信调查机构之间、互相保持着密切多联系，从多个相关部门得到各方面的资料，再综合评定，去伪存真，体现了资信调查的（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73420, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54661, "score": 0, "sort": 0, "option": [ "最近三年财务报告", "身份信息", "手机号码", "最近十年财务报告" ], "stem": "对客户进行资信调查时，可以直接索要的是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73421, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54406, "score": 0, "sort": 0, "option": [ "法律 ", "政治制度", "经济发展水平", "传统习惯" ], "stem": "道德是各种行为规范的总和，这种规范是靠社会舆论、（ ）、教育和内心信念来维持的。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73422, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54662, "score": 0, "sort": 0, "option": [ "20世纪50年代", "20世纪60年代", "20世纪70年代", "20世纪80年代" ], "stem": "发达国家的信用管理行业各个分支行业在（ ）趋于发展成熟，法律环境全面建立。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73423, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54407, "score": 0, "sort": 0, "option": [ "业务损失", "经济损失", "信用损失", "重要人物损失" ], "stem": "企业贷款给客户或某客户采取分期付款交易，一旦客户发生不测，影响其收入能力，企业将难以收回贷款或取得客户未付款项是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73424, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54663, "score": 0, "sort": 0, "option": [ "一个月", "一个季度", "半年", "一年 " ], "stem": "对账的周期不超过（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73425, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54408, "score": 0, "sort": 0, "option": [ "个人存款信息", "个人宗教信仰", "配偶存款信息", "个人在经济金融活动产生的信用信息" ], "stem": "征信机构采集的信息包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73426, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54664, "score": 0, "sort": 0, "option": [ "个性化趋势不断明显", "范围不断扩大", "产品不断创新", "风险不断降低" ], "stem": "关于信用管理技术的发展趋势，下列说法表述不正确的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73427, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54409, "score": 0, "sort": 0, "option": [ "文字注释方式", "需求说明方式", "多项选择方式", "数字说明方式" ], "stem": "（ ）是最常用的调查方式。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73428, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54665, "score": 0, "sort": 0, "option": [ "机关法人", "事业单位法人", "企业法人", "以上皆是" ], "stem": "在现行经济制度下，实施信用销售的主体都是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73429, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54410, "score": 0, "sort": 0, "option": [ "远距离、大批量", "近距离、大批量", "近距离、小批", "远距离、小批" ], "stem": "（ ）货运是干线主要承担的。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73430, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54666, "score": 0, "sort": 0, "option": [ "3", "10", "5", "8" ], "stem": "进行现场催收是逾期（ ）天后才会使用的方法。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73431, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54411, "score": 0, "sort": 0, "option": [ "应交增值税明细表", "分部报表", "利润分配表", "财务报表附注" ], "stem": "企业的资产负债表其后附表格是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73432, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54667, "score": 0, "sort": 0, "option": [ "树立干一行、爱一行、专一行的观念", "多转行，就可以学习更多知识", "干一行就要干到底，不然就是缺乏职业道德", "频繁跳槽，就是没有职业归属感" ], "stem": "面对目前越来越多的择业机会，以下说法正确的是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73433, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54412, "score": 0, "sort": 0, "option": [ "瑞士", "美国", "英国", "加拿大" ], "stem": "信用保险业起源于19世纪中叶的（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73434, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54668, "score": 0, "sort": 0, "option": [ "最低风险", "显著低于平均风险", "低于平均风险", "略低于平均风险" ], "stem": "邓白氏风险指数中，R11表示（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73435, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54413, "score": 0, "sort": 0, "option": [ "保证货源、给予优厚政策", "严格按照合同供货，适当给予优惠", "严格按照合同，限制其供货", "只采用当下现金交易，不予赊账" ], "stem": "对于有一定付款能力，流动性一般的客户，企业采取的销售策略是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73436, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54669, "score": 0, "sort": 0, "option": [ "保护消费者权益原则", "维护市场公平竞争的原则", "调控信用工具发行的原则", "维护健康交易的原则" ], "stem": "（ ）的目的是降低通货膨胀率失控的威胁。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73437, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54414, "score": 0, "sort": 0, "option": [ "代理商信用额度", "供应商信用额度", "银行信用额度", "一次性信用额度" ], "stem": "当你额度用完时，此时你要重新申请的额度是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73438, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54670, "score": 0, "sort": 0, "option": [ "招标", "投标", "竞标", "评标" ], "stem": "下列选项中属于要约的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73439, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54415, "score": 0, "sort": 0, "option": [ "原始信用管理理论", "传统信用管理理论", "现代信用管理理论", "未来信用管理理论" ], "stem": "（ ）的信用管理特征在于形成信用管理作业的操作流程、注重客户授信、嫁接征信服务、注意职业信用管理专业人员的训练等。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73440, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54671, "score": 0, "sort": 0, "option": [ "道德产生的时间比法律早", "道德调整范围比法律广", "道德的表现形式不如法律严格", "道德的实施比法律更有强制性" ], "stem": "关于道德与法律的区别，你认为表述不正确的是(　 　)。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73441, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54416, "score": 0, "sort": 0, "option": [ "保密性原则", "真实性原则", "一致性原则 ", "稳健性原则" ], "stem": "在征信和对征信结果的分析过程中，要准确指出影响企业经营的潜在风险，对企业某些指标的极端情况要进行深入分析。这体现了征信的( ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73442, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54672, "score": 0, "sort": 0, "option": [ "15%", "20%", "25%", "30%" ], "stem": "定金的数额由当事人约定，但不得超过主合同标的额的（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73443, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54417, "score": 0, "sort": 0, "option": [ "信用市场化", "市场信用化", "信用经济化", "经济信用化" ], "stem": "（）指的是市场中信用活动日益增加，经济交易中可以用信用来衡量部分的比重越来越大", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73444, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54673, "score": 0, "sort": 0, "option": [ "定期缴纳利息缴纳本金", "不缴纳利息缴纳本金", "缴纳利息不缴纳本金", "利息本金都不缴纳，贷款到期日一并还清" ], "stem": "商业性不动产抵押贷款在贷款期间（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73445, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54418, "score": 0, "sort": 0, "option": [ "作用力弱", "操作性强", "适应范围大", "时效性差" ], "stem": "道德在调控人与人、人与社会以及人与自然之间的各种关系时，它的（）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73446, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54674, "score": 0, "sort": 0, "option": [ "客户所在国家或地区的环境", "收款人员的素质", "账龄", "商账质量" ], "stem": "国际追账成功率主要影响因素通常不包括（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73447, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54419, "score": 0, "sort": 0, "option": [ "债务偿付措施", "对债务资信担保的实体", "承担债权责任的企业法人", "实施债务融资的主体" ], "stem": "资信评级的对象包括（ ）、为特定债务融资提供担保的实体，经营活动中承担资信责任的主体", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73448, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54675, "score": 0, "sort": 0, "option": [ "消费市场", "资本市场", "商业市场", "产品市场" ], "stem": "（ ）的调查服务会受到国界限制。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73449, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54420, "score": 0, "sort": 0, "option": [ "主观判断", "前期情况", "媒体披露", "政府公示" ], "stem": "信用管理人员应当分在分析、预测或建议的表述中，严格区分客观事实和（ A ），并对重要事实予以明示", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73450, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54676, "score": 0, "sort": 0, "option": [ "不良债权增加时", "企业改组", "客户要求扩大交易额度", "经营者易人" ], "stem": "企业客户资信调查的时机是与客户第一次往来交易时、定期调查时、（ ）出现订单异常时和客户状态异常时。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73451, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54421, "score": 0, "sort": 0, "option": [ "宏观经济研究报告", "微观信用信息来源", "产业研究经济报告", "行业经济状况" ], "stem": "在征信工作中，企业信用信息的采集渠道主要包括宏观信用信息来源和（ ）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73452, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54677, "score": 0, "sort": 0, "option": [ "信用经理上门了解客户企业情况", "与客户约定时间，解释，说服，指导客户填写信用申请表", "全面采集客户信息", "向销售部门提供有力证据，并建议放弃该客户" ], "stem": "如果信用管理部门认为客户不重视与企业的合作关系而不提供信用申请表，应该采取的措施是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73453, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54422, "score": 0, "sort": 0, "option": [ "买卖双方是否属于一个国家或地区", "保理商是否承担买方的信用风险", "提供保理服务的保理商的数量", "贷款给付时间" ], "stem": "国内综合保理与商业发展贴现的主要区别在于（ ）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73454, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54678, "score": 0, "sort": 0, "option": [ "财务总监", "销售经理", "信用经理", "信用监理" ], "stem": "在辅导企业填写信用申请表程序的工作中，第一次与客户财务总监和财务负责人的联系人必须是（ ），这是非常重要和必要的。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73455, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54423, "score": 0, "sort": 0, "option": [ "90天 ", "180天", "2年", "3年" ], "stem": "因债务人使其未履行偿债义务超过（ ），经核查确实无法收回，企业应确认该笔应收账款不坏账", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73456, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54679, "score": 0, "sort": 0, "option": [ "有固定的工作信条", "有具体可循的业务程序", "有标准的行为准则", "不做不当交易，不畏权贵" ], "stem": "信用管理从业人员其客观的原则主要体现在（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73457, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54424, "score": 0, "sort": 0, "option": [ "直接与客户发生交易的经济主体", "曾经与客户发生交易的经济主体", "间接与客户发生交易的经济主体", "曾经或正在与客户发生交易的经济主体" ], "stem": "客户的信用相关方是指（ ）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73458, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54680, "score": 0, "sort": 0, "option": [ "1956年", "1978年", "1982年", "1985年" ], "stem": "开展全面的质量管控实在（ ）开始的。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73459, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54425, "score": 0, "sort": 0, "option": [ "保理服务", "保险服务", "担保服务", "抵押服务" ], "stem": "（????）是针对客户的应收账款管理，相关机构提供的信用风险转移服务。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73460, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54681, "score": 0, "sort": 0, "option": [ "现金流量表", "征信证明", "存取款账单", "以上都不对" ], "stem": "客户的财务信息主要体现为客户的资产负债表(balancesheet)、利润表(incomestatement)和()中,有时也包括一些说明。（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73461, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54426, "score": 0, "sort": 0, "option": [ "信用管理人员在账款到期前10~15天，向客户财务部门发出提醒付款函和对账清单", "信用管理人员应与客户取得联系，核对对账清单的付款款项是否准确", "客户认可后，应要求客户立刻传真发回确认回执", "如客户提出异议，立刻与客户核对账目" ], "stem": "下列关于应收账款到期前提醒的操作步骤，下列说法错误的是（????）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73462, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54682, "score": 0, "sort": 0, "option": [ "资产", "无形资产", "所有者权益", "有形的所有者权益" ], "stem": "()所有者权益代表了企业资产中所有者的那一部分,它是在偿付各种各样的债务后剩下的那一部分。（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73463, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54427, "score": 0, "sort": 0, "option": [ "1个工作日内", "3个工作日内", "5个工作日内", "7个工作日内" ], "stem": "新客户提出新的信用申请时，需要在（ ）日建立档案。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73464, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54683, "score": 0, "sort": 0, "option": [ "真实性", "客观性", "保密性", "兼容性" ], "stem": "信用信息处理人员或信用经理必须审核客户的财务信息和数据，最大限度地保证财务数据的()。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73465, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54428, "score": 0, "sort": 0, "option": [ "信任", "货币", "合约", "商品服务质量" ], "stem": "（ ）是交易的前提。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73466, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54684, "score": 0, "sort": 0, "option": [ "贷款记录", "信用资质", "财务信息", "资金状况" ], "stem": "客户的()是判断客户综合信用状况的重要组成部分。信用经理在进行授信的过程中，需要参考依据客户财务信息结合各种财务分析作出的信用决策。()", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73467, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54429, "score": 0, "sort": 0, "option": [ "30天", "45天", "60天", "70天" ], "stem": "在没有取得客户付款承诺，并且在账款逾期已达（?? ?）的情况下，电话催收人员必须向信用经理汇报。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73468, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54685, "score": 0, "sort": 0, "option": [ "企业资质信息", "企业调查信息", "征信市场采集信息", "企业业务量成交率" ], "stem": "()的优点从征信市场采集客户信息是现代企业普遍采用的客户资料采集方法这种方式具有其他采集渠道无法比拟的优势。()", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73469, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54430, "score": 0, "sort": 0, "option": [ "确定对客户的访问计划", "为客户编上代码", "为客户进行分析", "建立客户资信档案" ], "stem": "某企业为客户构建可信息库，如何高效的利用（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73470, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54686, "score": 0, "sort": 0, "option": [ "现金流量表", "利润表", "主营业务利润表", "以上都不对" ], "stem": ")是衡量企业一定期限内(通常为一年)经营业绩的报表。它把一定期间的营业收入与其同一会计期间相关的营业费用进行配比，计算出企业一定时期的净利润。()", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73471, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54431, "score": 0, "sort": 0, "option": [ "现金清偿", "拍卖债务人财产", "以物抵债", "将债务人财产变现" ], "stem": "在坏账清收过程中，不提倡优先使用（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73472, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54687, "score": 0, "sort": 0, "option": [ "储蓄活动", "借贷活动", "经济活动", "信用活动" ], "stem": "与客户有经济往来的银行分为资金往来银行和信贷往来银行两种资金往来银行是企业在经济往来活动中的财务结算银行,企业资金通过银行流入和流出，完成各种()的结算任务。()", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73473, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54432, "score": 0, "sort": 0, "option": [ "真实客观性原则", "多渠道验证原则", "时效性原则", "高成本高效率原则" ], "stem": "对客户的信用信息进行采集的原则不包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73474, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54688, "score": 0, "sort": 0, "option": [ "编制范围", "编制单位", "编制限度", "编制区间" ], "stem": "资产负债表的编制具有一定的格式要求和内容要求，规范的格式便于行业、区域之间的比较，因此，目前我国的财务报表均有统一规范的格式要求。资产负债表一般要求在文本的正中书写表头“资产负债表”，下面依次有()、编制时间、编制货币单位。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73475, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54433, "score": 0, "sort": 0, "option": [ "房地产信用", "零售信用", "分期付款信贷", "现金信用" ], "stem": "不需要金融机构介入的消费者信用类型是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73476, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54689, "score": 0, "sort": 0, "option": [ "营业期限", "营业时间", "营业范围", "注册资料和相关信息的相互印证" ], "stem": "()是指企业进行营业活动的时间限制，即企业可以从事多长时间的经营活动。()", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73477, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54434, "score": 0, "sort": 0, "option": [ "信息管理", "账款管理", "合同管理", "交易管理" ], "stem": "（ ）是信用管理的基础。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73478, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54690, "score": 0, "sort": 0, "option": [ "经营时间", "经营情况", "经营方式", "以上都不对" ], "stem": "客户()包括客户的经营场所、设备和人员,还包括客户的生产销售情况和采购情况等。()", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73479, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54435, "score": 0, "sort": 0, "option": [ "客户诈骗", "客户拖欠", "客户破产", "客户赖账" ], "stem": "企业只要采用赊销方式，就会出现（ ），这种情况几乎不可避免，成为企业赊销面临的最大风险。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73480, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54436, "score": 0, "sort": 0, "option": [ "DSO法", "销售预测法", "逾期账款率法", "坏账率法" ], "stem": "在对客户的授信工作中，具体确定新客户授信额度的方法有同业比较法，初次限额法和（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73481, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54437, "score": 0, "sort": 0, "option": [ "是否建立了征信体系", "是否建立了征信数据库", "GDP是否达到人均5000美元", "是否有独立的征信监管机构" ], "stem": "（ ）可以用来一个国家的征信。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73482, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54438, "score": 0, "sort": 0, "option": [ "信用销售坏账成本", "信用销售机会成本", "信用销售管理成本", "信用销售短缺成本" ], "stem": "企业没有获得最大销售而产生的损失叫做（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73483, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54439, "score": 0, "sort": 0, "option": [ "付款安排", "提前支付", "销售政策", "发货政策 " ], "stem": "顾客该买的商品提前发货会影响顾客的（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73484, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54440, "score": 0, "sort": 0, "option": [ "规定企业内部管理", "客户提高信用额度", "扩大企业市场份额", "客户获得授信审批" ], "stem": "使用书面的形式提出的信用申请，这样利于（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73485, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54441, "score": 0, "sort": 0, "option": [ "长期性的通货膨胀", "阶段性的通货膨胀", "长期性的通货紧缩", "阶段性的通货紧缩" ], "stem": "如果过度发放信用，有可能带来（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73486, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54442, "score": 0, "sort": 0, "option": [ "客户到期不付款", "厂商到款不发货", "交易途中风险", "以上均是" ], "stem": "（ ）的风险是最主要的信用风险形式。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73487, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54443, "score": 0, "sort": 0, "option": [ "保密性", "真实性", "一致性", "持续性" ], "stem": "专业的征信人员在征信过程中不应出现武断的行为，这体现了（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73488, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54444, "score": 0, "sort": 0, "option": [ "道德性风险和周期性风险", "商业性风险和道德性风险", "商业性风险和金融性风险", "周期性风险和金融性风险" ], "stem": "按照授信人的性质不同，最常见的信用风险有两种，分别是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73489, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54445, "score": 0, "sort": 0, "option": [ "企业信用", "行业信用", "贸易信用", "消费者个人信用" ], "stem": "信用形式包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73490, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54446, "score": 0, "sort": 0, "option": [ "多步式", "单步式", "报告式 ", "以账户式" ], "stem": "企业的资产负债表是运用了（ ）样的构成。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73491, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54447, "score": 0, "sort": 0, "option": [ "拍卖抵押物优先", "实物消偿优先", "现金清偿优先", "以物抵物优先" ], "stem": "企业对坏账的清除与收回中，原则是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73492, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54192, "score": 0, "sort": 0, "option": [ "企业经营素质分析", "研发能力分析 ", "企业发展战略分析", "产业风险分析" ], "stem": "下列选项中是可以衡量当前行业的总体风险的选项是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73493, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54448, "score": 0, "sort": 0, "option": [ "信息的不对称", "不完全的信用制度及由此产生的不完全契约", "不适合的社会文化基础", "不相适应的市场秩序和环境" ], "stem": "经济活动中信用风险产生的充要条件是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73494, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54193, "score": 0, "sort": 0, "option": [ "优惠折扣", "延长期限", "现金折扣", "DSO" ], "stem": "信用条件是由（ ）构成的", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73495, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54449, "score": 0, "sort": 0, "option": [ "道德伦理因素", "制度因素", "以上都是", "以上都不是" ], "stem": "会左右受信人的信用行为的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73496, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54194, "score": 0, "sort": 0, "option": [ "没有个人利益，就无所谓职业道德", "把个人利益放在首位，职业道德才有存在的现实可能性", "职业道德体现的是从业人员责、权、利的有机统一", "从业人员个人利益越大，职业道德的精神内涵就越加丰富" ], "stem": "职业道德具有“利益相关性”特征，其根本含义是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73497, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54450, "score": 0, "sort": 0, "option": [ "理解", "合作", "沟通", "洽谈" ], "stem": "（ ）是从业人员最基本的素质。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73498, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54195, "score": 0, "sort": 0, "option": [ "要敢于当面批评同事的不当言行", "同事间相互认同", "恩威并用，以威信促信赖", "敢于两肋插刀，赴汤蹈火" ], "stem": "同事间建立信赖关系，合宜的做法是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73499, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54451, "score": 0, "sort": 0, "option": [ "对本企业的拖欠行为出现两次以上", "申请延期付款", "申请破产", "有诈骗嫌疑" ], "stem": "下列选项中的顾客绝不会被列入黑名单的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73500, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54196, "score": 0, "sort": 0, "option": [ "半年以内", "一年以内", "三年以内", "两年以内" ], "stem": "承保放账的期限为（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73501, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54452, "score": 0, "sort": 0, "option": [ "内部普遍缺乏基本的信用风险控制机制和信用管理制度", "缺乏信用信息的社会共享机制", "相关法律体系不完善", "国民相关素质较低" ], "stem": "我国市场之所以普遍存在失信现象，下面不属于其中原因的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73502, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54197, "score": 0, "sort": 0, "option": [ "有人监督时就遵守", "有折不扣地遵守", "自己认为合理的就遵守", "自觉遵守，并对不合理的地方提出自己的意见" ], "stem": "一个企业制定的规章制度，应该采用（ ）做法才是正确的。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73503, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54453, "score": 0, "sort": 0, "option": [ "扣除坏账准备后的全部赊销账款净额 ", "仅在本年度发生的应收账款", "“应收账款”账户的期末余额", "未扣除坏账准备的" ], "stem": "应收账款为（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73504, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54198, "score": 0, "sort": 0, "option": [ "信用期长的新客户", "老客户", "信用期较短的客户", "现金交易的客户" ], "stem": "货物质量确认工作主要适用于（????）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73505, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54454, "score": 0, "sort": 0, "option": [ "投资活动", "经营活动", "筹资活动", "以上各项均是" ], "stem": "现金流量表在（ ）中产生，最能体现赚取现金的能力。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73506, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54199, "score": 0, "sort": 0, "option": [ "可以用货币进行度量", "是一种有交易限制的交易媒介", "比现金交易更安全", "常见方式赊销、赊购和信贷" ], "stem": "关于信用交易下列说法不正确的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73507, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54455, "score": 0, "sort": 0, "option": [ "账期比较宽松优惠", "所批准的信用额度能全部用于发货", "额度较为充足", "一般不需要进行监控" ], "stem": "对于较低风险级别的客户，全程信控的措施不包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73508, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54200, "score": 0, "sort": 0, "option": [ "监控力度", "科学决策", "客户资信档案管理", "客户选择" ], "stem": "为了事前预防信用出现的风险，企业应重点对（ ）进行把控。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73509, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54456, "score": 0, "sort": 0, "option": [ "管理成本", "收账成本", "机会成本", "短缺成本" ], "stem": "企业持有应收账款是有成本的，信用管理部门最关注的是其中的（????）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73510, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54201, "score": 0, "sort": 0, "option": [ "自然经济时期", "货币经济时期", "信用经济时期", "社会主义经济时期" ], "stem": "经济状态可分为3个状态，下列选项中不属于3个状态的选项是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73511, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54457, "score": 0, "sort": 0, "option": [ "汇票", "票据 ", "银行支票", "支票" ], "stem": "支付方式主要是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73512, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54202, "score": 0, "sort": 0, "option": [ "坚决杜绝采集人员主管臆断造成决策评估错误", "至少通过2个以上的渠道和方法采集客户信用信息", "调查过于细致会造成采集费用过大，违背降低企业成本的初衷", "采集人员必须在较短的时间内开展有效的调查工作" ], "stem": "客户信用信息的采集是指在企业内外部有计划采集各种信用信息的程序和方法，以下违背客户信用信息采集原则的是（????）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73513, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54458, "score": 0, "sort": 0, "option": [ "销售人员会见客户之后", "客户基本情况变更时", "信用信息无变化时", "客户无变更信息时" ], "stem": "在（ ），信用管理人员不需要为顾客提供档案服务", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73514, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54203, "score": 0, "sort": 0, "option": [ "客户资产负债表", "客户信用申请表", "客户现金流量表", "客户风险分数评级表" ], "stem": "在客户信用信息评估工作中，属于内部来源数据资料的是（????）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73515, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54459, "score": 0, "sort": 0, "option": [ "35℃", "30℃", "25℃", "20℃" ], "stem": "（ ）℃的环境适合存放磁性档案。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73516, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54204, "score": 0, "sort": 0, "option": [ "促进地区的市场经济手段从原始支付方式向信用方式的完成", "扩大并创造市场需求，保持市场繁荣", "促进经济持续增长", "创造市场经济的良好信用环境" ], "stem": "有效信用体系的作用不包括（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73517, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54460, "score": 0, "sort": 0, "option": [ "沟通和说服他人的过程 ", "影响和说服他人的过程", "沟通和强迫他人的过程", "欺骗和说服他人的过程" ], "stem": "销售人员的销售过程是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73518, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54205, "score": 0, "sort": 0, "option": [ "口头申请", "书面申请", "邮件申请", "电话申请" ], "stem": "客户信用申请，是指客户为了获得信用支持，向企业提出的信用请求，其中（????）是最正式和规范的信用申请形式。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73519, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54461, "score": 0, "sort": 0, "option": [ "促进信用管理行业发展的原则", "消除信用交易中的信息不对称影响的原则", "平等信用机会原则", "金融机构平等和正当营业的原则" ], "stem": "以下哪项不是在维护市场公平竞争时应遵循的原则（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73520, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54206, "score": 0, "sort": 0, "option": [ "不对称", "不相等", "不流动", "不完整" ], "stem": "关于信用的风险来自信用交易的（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73521, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54462, "score": 0, "sort": 0, "option": [ "信函通知", "公告通知", "派员面谈", "诉诸法律" ], "stem": "对应收账款的催收其方式不包括（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73522, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54207, "score": 0, "sort": 0, "option": [ "有风险", "不一定", "弱", "强" ], "stem": "流动的比值大就代表着短期的赔偿能力越（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73523, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54463, "score": 0, "sort": 0, "option": [ "北京", "上海", "广州", "深圳" ], "stem": "我国最先建立信用管理相关法规的城市是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73524, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54208, "score": 0, "sort": 0, "option": [ "是一种具有法律效力的法律文书", "只要信用经理签字即可", "一般采用书面方式送达客户", "信用未批准也应给客户送达" ], "stem": "关于信用审核通知书，下列说法表述错误的是（????）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73525, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54464, "score": 0, "sort": 0, "option": [ "反担保", "抵押担保", "留押担保", "质押担保" ], "stem": "（ ）是债务人或第三人向担保人承诺或设定物的担保，在担保人因代为清偿债务人的债务而收到损失时，向担保人进行清偿的民事行为。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73526, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54209, "score": 0, "sort": 0, "option": [ "可以按照信用数据库信息与申请方共享数据", "需要得到客户的事先书面同意", "需要得到上级主管部门的同意", "需要对申请机构资质审核无误后同意" ], "stem": "在向银行索取客户信用信息时，银行（????）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73527, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54465, "score": 0, "sort": 0, "option": [ "信用管理部门", "商账催收部门", "客户资信管理部门", "客户信用审核部门" ], "stem": "在现代社会中，只要企业采用赊销的交易方式，（ ）就是必不可少的职能部门。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73528, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54210, "score": 0, "sort": 0, "option": [ "市场目标，利润目标", "改善目标，账务目标", "改善目标，利润目标", "市场目标，账务目标" ], "stem": "一个企业如果想要设置信用管理部门，其实现的目标有（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73529, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54466, "score": 0, "sort": 0, "option": [ "任何情况下都不使用过激语言", "用积极和信任的方式对话", "坦率指出客户的错误", "给客户留有面子" ], "stem": "通过电话就行催收方式的基本原则不正确的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73530, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54211, "score": 0, "sort": 0, "option": [ "规范意识", "团队意识", "责任意识", "质量意识" ], "stem": "（?）是指从业者按照所在单位成文的规章制度和企业文化所认同的不成文的习惯性规定，自觉地履行岗位职责、规范自身行为的意识。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73531, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54467, "score": 0, "sort": 0, "option": [ "对待工作可以应付了事", "对待工作勤奋努力，精益求精", "努力工作只为赚钱养家", "认真工作是为了受到领导和同事的好感" ], "stem": "敬业是一种对待自己职业的应有态度，它的核心要求是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73532, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54212, "score": 0, "sort": 0, "option": [ "付多少钱办多少事", "对所有服务对象按照同一标准给予服务", "给每个人以应得的服务", "扶弱抑强是公道的本质" ], "stem": "关于“公道”的理解中，正确的是（）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73533, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54468, "score": 0, "sort": 0, "option": [ "投资者", "融资者", "消费者", "行政当局" ], "stem": "以下哪一项不是资信评级的服务对象（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73534, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54213, "score": 0, "sort": 0, "option": [ "君子喻于义，小人喻于利", "唯利是图，促进经济发展", "义以为先，以以制利", "守法是企业经营的唯一准则" ], "stem": "在市场经济条件下，企业应该树立的义利观是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73535, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54469, "score": 0, "sort": 0, "option": [ "不同的搜索引擎会在结果的数量和质量上均产生明显差异", "不同的搜索引擎只会在结果的数量上产生明显差异", "不同的搜索引擎只会在结果的质量上产生明显差异", "不同的搜索引擎在结果的数量和质量上都没有差异" ], "stem": "对于信息的分类整理，（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73536, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54214, "score": 0, "sort": 0, "option": [ "遵守所在国家与地区信用方面的法律法规", "遵守当地管理部门的监管", "遵守行业自律", "遵守企业信用制度" ], "stem": "（）这是信用管理从业人员的最基本要求。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73537, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54470, "score": 0, "sort": 0, "option": [ "把催款函发给财务总监、财务主管等人", "陈述欠款事实，账款数额清晰明了", "多使用书法情感和联络感情的词语，感化对方", "即使面对恶劣的客户，态度也要礼貌" ], "stem": "催收函应具备的要求不正确的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73538, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54215, "score": 0, "sort": 0, "option": [ "应当接受行业协会的监督，履行行业协会规定的义务", "加强同业人员间的交流与合作", "可以适当接受委托方的暗示", "在征信产品中充分披露相关信息" ], "stem": "以下属于违反信用管理从业人员行业自律的行为的是（）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73539, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54471, "score": 0, "sort": 0, "option": [ "企业销售最大化", "信用风险降到最低", "提高盈利水平", "保证信用交易的安全完成" ], "stem": "企业信用管理最初的目标是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73540, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54216, "score": 0, "sort": 0, "option": [ "德治是目的， 法治是手段", "依法治国比以德治国更为重要", " 以德治国比依法治国更为重要", " 以德治国与依法治国是相辅相成， 相互促进" ], "stem": "下面关于以德治国与依法治国的关系的说法中正确是（）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73541, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54472, "score": 0, "sort": 0, "option": [ "付款人的营业场所", "付款人的住所", "付款人经常居住地", "以上均可" ], "stem": "下列选型中（ ）可以作为付款地址。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73542, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54217, "score": 0, "sort": 0, "option": [ "在内容上没有交叉", "在最终目的上没有一致性 ", "在实践上是相互支撑的", "在适用范围上完全一致" ], "stem": "关于道德与法律的关系，正确的是()。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73543, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54473, "score": 0, "sort": 0, "option": [ "成功的销售平衡等式：最大销售+及时付款+零坏账=最大利润", "一般销售的平衡等式：低销售+付款+零坏账=低利润", "较差的销售平衡等式：低销售+慢付款+零坏账=付利润+现金流量不足", "最差的销售平衡等式：最大销售额+缓慢付款+较高坏账=现金流量严重不足=破产" ], "stem": "下面几种销售平衡等式，错误的是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73544, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54218, "score": 0, "sort": 0, "option": [ "鞠躬尽瘁，死而后已", "壮志未酬，报国无门", "公私分明，清白做人", "坚持真理，弘扬正气" ], "stem": "东晋陶渊明不为五斗米折腰的例子，你认为体现了其（ ）的人格精神。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73545, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54474, "score": 0, "sort": 0, "option": [ "这是国际惯例的要求", "可以防止泄露商业机密", "能够提高客户的信用额度", "能够改善客户关系" ], "stem": "客户需要提供其信用档案申请表是为了（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73546, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54219, "score": 0, "sort": 0, "option": [ "掌握一定的职业技能，也就是有了较高的文化知识水平", "掌握一定的职业技能，就一定能履行好职业责任", "掌握一定的职业技能，有助于从业人员调高就业竞争力", "掌握一定的职业技能，就意味着有较高的职业道德素质" ], "stem": "下列关于职业技能的说法中，正确的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73547, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54475, "score": 0, "sort": 0, "option": [ "道德与法律一同产生", "道德与法律在内容上没有重叠", "法律的适用范围比道德广", "法律是人类历史的阶段性现象，道德则伴随人类社会始终" ], "stem": "道德与法律的关系是( )。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73548, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54220, "score": 0, "sort": 0, "option": [ "不向任何人提起这件事", "不告诉任何人，自己在以后的工作中弥补过失", "告诉领导，承认自己的过失并承担相应的责任", "告诉自己最好的朋友，请他帮自己想一个最好的办法" ], "stem": "假设你在工作中出现了一次小的失误，暂时还未给单位造成什么损失，领导也没有发现。在这种情况下，你认为最好的一种处理办法是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73549, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54476, "score": 0, "sort": 0, "option": [ "客户授信", "账户控制", "欠款催收", "应收账款管理" ], "stem": "以下不属于消费者信用管理功能的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73550, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54221, "score": 0, "sort": 0, "option": [ "诚实守信与经济发展相矛盾", "诚实守信是市场经济应有的法则", "是否诚实守信要视具体对象而定", "诚实守信应以最求利益最大化为准则" ], "stem": "以下关于诚实守信的认识和判断题，正确的选项是（)", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73551, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54477, "score": 0, "sort": 0, "option": [ "企业守信主要体现在遵守国家法律法规和信守商业合同两个方面", "企业守信应该制度化", "将企业的信用管理目标、功能制度化就成为企业信用管理制度", "信用管理制度建设要以完善信用管理体系为纲" ], "stem": "关于企业信用制度建设，下列说法错误的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73552, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54222, "score": 0, "sort": 0, "option": [ "职业道德就是处理好人与人之间的关系", "职业道德是从业人员在职业活动中的行为标准和要求", "职业道德就是讲团结讲奉献", "职业道德只对社会承担义务，而不承担责任" ], "stem": "关于职业道德的说法中，正确表述的是（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73553, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54478, "score": 0, "sort": 0, "option": [ "应收账款监控", "信用审查", "客户分类管理", "客户授信决策" ], "stem": "在信用工作流程中，（ ）是技术性最强的部分。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73554, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54223, "score": 0, "sort": 0, "option": [ "努力培养自己的职业义务感", "自觉地主动履行职业义务 ", "熟悉职业义务的要求", "全心全意为人民服务" ], "stem": "履行职业义务，首先要求的是（)", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73555, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54479, "score": 0, "sort": 0, "option": [ "商情科", "授信科", "商账科", "投诉科" ], "stem": "在企业的信用管理部门中，负责客户档案管理与服务，并利用征信数据库开拓市场服务的部门是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73556, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54224, "score": 0, "sort": 0, "option": [ "社会主义核心价值体系 ", "社会主义精神文明", "会主义物质文明", "社会主义经济建设" ], "stem": "我国现代化建设保持正确方向的必然要求是建设（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73557, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54480, "score": 0, "sort": 0, "option": [ "企业信用档案信息的发布应征得企业同意", "企业的信用档案主要记入不良行为记录", "企业信用档案应包括企业的基本情况、业绩、工程质量和安全、合同履行情况等", "企业信用档案信息主要由建设单位和监理单位向其资质许可机关提供" ], "stem": "下列对档案说法正确的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73558, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54225, "score": 0, "sort": 0, "option": [ "教育科学文化素质 ", "职业素质", "心理素质", "人的身体素质" ], "stem": "民族素质是一个民族改造自然、改造社会的能动力量的综合反映，以下不属于民族素质的主要内容的是（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73559, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54481, "score": 0, "sort": 0, "option": [ "个人的社交活动信息", "个人的基本信息", "个人的信用活动信息", "个人的公共信息" ], "stem": "公民的个人征信系统没有下列哪类信息（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73560, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54226, "score": 0, "sort": 0, "option": [ "有利于解放和发展生产力", "有利于维护民族团结", "有利于弘扬社会主义精神 ", "有利于社会进步" ], "stem": "建设社会主义核心价值体系必须有进步事业的支撑，有正义行为和先进文化的配合，就中国当代来说，下面选项中属于正义行为的是（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73561, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54482, "score": 0, "sort": 0, "option": [ "支票 ", "银行本票 ", "银行汇票", "商业承兑汇票" ], "stem": "见到票就能付款的方式不包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73562, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54227, "score": 0, "sort": 0, "option": [ "从业者的思想和宗旨", "从业环境", "社会职业道德 ", "行业规责" ], "stem": "职业作风是一种巨大的、无形的力量，职业作风的好坏取决于（）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73563, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54483, "score": 0, "sort": 0, "option": [ "导向功能、规范功能、整合功能、激励功能", "导向功能、示范功能、整治功能、激励功能", "教育功能、规范功能、整合功能、强化功能", "导向功能、惩罚功能、凝聚功能、激励功能" ], "stem": "职业道德的具体功能是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73564, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54228, "score": 0, "sort": 0, "option": [ "需要定期加工的客户", "需要固定周转期限的客户", "交易并不频繁的客户", "交易金额较小的客户" ], "stem": "对于固定天数的信用期限付款客户的特点，下列说法不正确的是（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73565, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54484, "score": 0, "sort": 0, "option": [ "销售部门", "财会部门", "采购部门", "生产部门" ], "stem": "信用管理部门对（ ）提供的服务是对供应商的评价。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73566, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54229, "score": 0, "sort": 0, "option": [ "对于新客户适当提示", "对于大客户适当提示", "对于曾有过不良记录的客户适当提示", "不采取任何实质性行动" ], "stem": "在赊销合同期内，以下信用管理人员做法适宜的是（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73567, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54485, "score": 0, "sort": 0, "option": [ "信用经理是企业信用管理工作的核心", "信用经理必须掌握独立建立企业信用管理5项基本功能的技术", "信用经理不能由企业的主管副总兼任", "信用经理的职责大于职权" ], "stem": "下面关于信用经理的说法，错误的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73568, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54230, "score": 0, "sort": 0, "option": [ "检查合同是否有遗漏", "确定履行合同责任部门和人员", "了解对方合同履行信息", "填制合同履行日程表" ], "stem": "关于赊销合同的履行流程，第一步需要做的是（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73569, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54486, "score": 0, "sort": 0, "option": [ "法人单位", "消费者", "非法人组织", "法人单位和消费者" ], "stem": "信用活动中，企业以非信用销售的其他形式授信时的债务人，主要包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73570, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54231, "score": 0, "sort": 0, "option": [ "月初", "月中", "月末", "以上均可" ], "stem": "采用月结方式的客户，月结日期一般选择在（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73571, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54487, "score": 0, "sort": 0, "option": [ "政策性", "内部性", "真实性", "思想性" ], "stem": "对于政务信息不需要公开的特性被称为（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73572, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54232, "score": 0, "sort": 0, "option": [ "参加企业业务和其他管理会议", "为决策层制度信用管理政策、制度和流程", "负责收集分析客户信用信息，撰写资信报告和信用调查报告", "指导信用管理部门人员管理应收账款和逾期账款 " ], "stem": "企业信用管理师及基本职责不包含（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73573, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54488, "score": 0, "sort": 0, "option": [ "可以用货币单位进行度量", "体现交易的债权关系", "体现交易的债务关系", "无条件限制的交易媒介" ], "stem": "关于信用的特征，下列表述错误的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73574, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54233, "score": 0, "sort": 0, "option": [ "较低风险级别", "中等风险级别", "较高风险级别", "最高风险级别" ], "stem": "对于（ ）企业通常会要求采取付款提货的办法结算，极个别情况下，高层管理人员可能有一些理由授予一次性的信用额度。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73575, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54489, "score": 0, "sort": 0, "option": [ "加班加点，放弃休息，努力工作", "即使不情愿工作，也要服从上司的安排", "集中精力做好本职工作，不三心二意", "不计时间，不计成本地完成工作" ], "stem": "在职业活动内在的道德准则中，对“勤勉”的正确理解是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73576, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54234, "score": 0, "sort": 0, "option": [ "周期性更弱", "不需要频繁监控频率", "要及时汇报和沟通", "可以将固定天数信用期限的客户分别对待" ], "stem": "对于固定天数信用期限的客户，信用管理人员的监控工作有其对应的特点，下列说法中错误的是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73577, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54490, "score": 0, "sort": 0, "option": [ "工作技能", "强烈的职业责任感", "光明磊落的态度", "坚持真理的品质" ], "stem": "现实生活中一些人不断地从一家公司跳槽到另一家公司，虽然这种现象在一定意义上有利于人才的流动，但它同时也说明这些从业人员缺乏（ ）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73578, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54235, "score": 0, "sort": 0, "option": [ "业务性质", "采购内容", "约定时效", "地域" ], "stem": "按照（????）划分，一般把合同划分为销售合同、服务合同、租赁合同、系统集成合同、建安工程承包合同。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73579, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54491, "score": 0, "sort": 0, "option": [ "有德就有才", "有才就有德", "才和德二者没什么关系", "才与德关系密切，在二者关系中，德占主导地位" ], "stem": "“才者，德之资也；德者，才之帅也。”下列对这句话理解正确的是（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73580, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54236, "score": 0, "sort": 0, "option": [ "生产制造企业对企业法人", "生产制造企业对自然人", "商业企业对企业法人", "商业企业对自然人" ], "stem": "（????）的产品赊销管理，管理目标是控制企业之间的原材料、半成品、产生品等商品赊销的信用风险。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73581, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54492, "score": 0, "sort": 0, "option": [ "企业整体形象是由职工的个体形象组成的", "个体形象是整体形象的一部分", "职工个体形象与整体形象没有关系", "整体形象要靠个体形象来维护" ], "stem": "职工个体形象和企业整体形象的关系不包括（)", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73582, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54237, "score": 0, "sort": 0, "option": [ "特殊担保", "政策担保", "保理", "商业性担保" ], "stem": "为弱势群体进行担保的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73583, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54493, "score": 0, "sort": 0, "option": [ "良心在个人行为发生之前、行为中和行为发生之后所起的作用不大", "在个人行为发生之前，良心对选择道德行为的动机起着指导作用", "在个人行为进行中，良心起着监督作用", "在个人行为发生之后，良心对行为的后果和影响有着评价作用" ], "stem": "关于良心在个人行为发生时所起的作用，不正确的说法是（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73584, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54238, "score": 0, "sort": 0, "option": [ "债务被认为已不能收回", "拖欠时间较长", "债权、债务关系已成立", "债务人已知" ], "stem": "企业坏账的特征不包含（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73585, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54494, "score": 0, "sort": 0, "option": [ "培养职业道德习惯", "职业道德的养成只能靠教化", "学习先进任务的优秀品质，不断激励自己", "自我剖析和自我批评" ], "stem": "从业人员加强职业道德修养的途径不包括（)", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73586, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54239, "score": 0, "sort": 0, "option": [ "01月29日", "02月13日", "02月28日", "03月30日" ], "stem": "账款逾期（? ??）时，客户仍然没有付款，应发出第二封催款函", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73587, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54495, "score": 0, "sort": 0, "option": [ "职业荣誉、职业态度、职业素质、职业道德等", "职业态度、职业义务、职业良心、职业荣誉等", "职业良心、职业定义、职业作风、职业纪律等", "职业义务、职业公德、职业理论、职业技能等" ], "stem": "职业道德范畴包括（)", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73588, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54240, "score": 0, "sort": 0, "option": [ "授信人", "受信人", "信用支付工具", "拒绝付款" ], "stem": "下列选项中不属于信工要素的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73589, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54496, "score": 0, "sort": 0, "option": [ "没有职业道德的人不会获得成功", "要取得事业的成功，前提条件是要有职业道德", "事业成功的人往往并不需要较高的职业道德", "职业道德是人获得成功的重要条件" ], "stem": "正确阐述职业道德与人的事业的关系的选项是（）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73590, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54241, "score": 0, "sort": 0, "option": [ "立刻与客户取得联系，全力缓和客户的敌对心理，最大限度地取得客户谅解", "敦促相关部门向客户做出书面解释，将调查结果和补救措施通报客户", "落实补救工作，尽快向客户发出补充货物", "通知相关部门办理索赔事宜" ], "stem": "在客户提出质量争议后，若经确定质量纠纷源于外部运输环节，信用管理人员应该（????）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73591, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54497, "score": 0, "sort": 0, "option": [ "遵守法纪、文明安全", "以身作则、奉献社会", "办事公道、服务群众", "爱岗敬业、忠于职守" ], "stem": "2015年8月12日22: 52左右，位于天津市滨海新区天津港的瑞海国际物流有限公司危险品仓库发生特别重大火灾爆炸事故，造成165人遇难、8人失踪、798人受伤，直接经济损失68、66亿元，这是一起特别重大生产安全责任事故，瑞海公司有多项违法乱纪行为，该公司违反了职业道德行为规范的（）原则。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73592, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54242, "score": 0, "sort": 0, "option": [ "对债务偿还能力的评估", "经济主体的业绩", "经济主体的价值", "对债务偿还意愿的评估" ], "stem": "对于资信的评级其内容是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73593, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54498, "score": 0, "sort": 0, "option": [ "与职业活动紧密相连", "与内心世界息息相关", "对他人和社会影响重大", "与领导的影响有关" ], "stem": "下列与职业道德行为特点不相符的是（ ）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73594, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54243, "score": 0, "sort": 0, "option": [ "全面了解客户的信用要求", "明确客户提出信用申请的事实", "完成客户的信用申请审核工作", "向销售部门传递客户的信用信息" ], "stem": "以为顾客向企业进行了口头的信用申请，此时企业将不能（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73595, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54499, "score": 0, "sort": 0, "option": [ "不作修改", "按申请人要求再修改", "删除", "披露" ], "stem": "有异议的信息无法核对及核查时，可以（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73596, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54244, "score": 0, "sort": 0, "option": [ "1%", "1‰", "2%", "2‰" ], "stem": "对企业信用管理部门的坏账率进行考核时，通常需要横向纵向同时比较，目前国际上的通用坏账率是（????）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73597, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54500, "score": 0, "sort": 0, "option": [ "信汇", "本票", "票汇", "电汇" ], "stem": "进行付款的方式不包含（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73598, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54245, "score": 0, "sort": 0, "option": [ "查看信用档案", "查看客户编号", "查看客户案卷号", "查看客户所处行业" ], "stem": "当客户出现了不是常规交易时，此时对于信用经理来说就要（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73599, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54501, "score": 0, "sort": 0, "option": [ "正相关", "负相关", "周期相关", "无相关" ], "stem": "信用经济成分的比例大小与该国的经济成长呈（ ）关系。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73600, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54246, "score": 0, "sort": 0, "option": [ "确定授信计划", "制定信用政策", "客户选择", "确定授信制度" ], "stem": "对于授信对其管理的重点在于（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73601, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54502, "score": 0, "sort": 0, "option": [ "10月01日", "11月01日", "12月01日", "01月01日" ], "stem": "我国的信用信息系统于（ ）上线。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73602, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54247, "score": 0, "sort": 0, "option": [ "国际贸易的结算和付款方式比国内贸易复杂，风险更大", "有些结算的信用风险由银行承担且成本较低", "商业汇票是国内贸易中采用的结算方式", "国际贸易中，结算方式基本分为三类" ], "stem": "对于不同付款方式造成的信用风险，下列说法不正确的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73603, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54503, "score": 0, "sort": 0, "option": [ "信息的不对称", "不完全的信用制度", "不完全契约", "不相适应的市场秩序" ], "stem": "（ ）是经济活动中信用风险产生的必要条件。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73604, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54248, "score": 0, "sort": 0, "option": [ "财经纪律", "劳动纪律", "组织纪律", "群众纪律" ], "stem": "(）是指各行业为了把从业人员组织起来，要求大家共同遵守的行为准则", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73605, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54504, "score": 0, "sort": 0, "option": [ "信用监管体系", "信用管理行业", "信用法律体系", "信用文化" ], "stem": "一国的社会信用体系建设取得进展的硬指标就是（ ）得到健康发展。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73606, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54249, "score": 0, "sort": 0, "option": [ "新的历史特点的伟大斗争", "党的建设新的伟大工程", "中国特色社会主义的伟大事业", "中华民族复兴的伟大梦想" ], "stem": "中国特色社会主义进入新时代，我们党一定要有新气象新作为、伟大斗争、伟大工程、伟大事业、伟大梦想，紧密联系、相互贯通、相互作用，其中起决定性的作用是（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73607, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54505, "score": 0, "sort": 0, "option": [ "消费者个人信用调查", "行业调查", "资信评级", "社会性调查" ], "stem": "以下不属于传统征信调查的服务的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73608, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54250, "score": 0, "sort": 0, "option": [ "新闻媒体", "舆论力量", "社会文化氛围 ", "基层群众文化活动" ], "stem": "正确价值观的确立，良好社会风尚的形成，离不开（）的倡导和推动", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73609, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54506, "score": 0, "sort": 0, "option": [ "点分类法", "线分类法", "面分类法", "综合分类法" ], "stem": "下列方法中不是信息的分类方式是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73610, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54251, "score": 0, "sort": 0, "option": [ "是职业道德的重要规范", "是商业、服务业职工必须遵循的道德规范，与其他职业没有关系", "不是企业形象的重要内容", "在任何场合都要将文明礼貌" ], "stem": "下面关于文明礼貌的说法正确的是（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73611, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54507, "score": 0, "sort": 0, "option": [ "向关联企业查询", "向金融机构查询", "向股东大会查询", "向行业协会查询" ], "stem": "对于企业间的往来账务信息，可以通过（ ）取得。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73612, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54252, "score": 0, "sort": 0, "option": [ "根据员工工龄分配工作", "根据服务对象的性别给予不同服务", "师徒之间平等尊重", "取消员工之间一切差别待遇" ], "stem": "下列选项中符合平等尊重要求的是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73613, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54508, "score": 0, "sort": 0, "option": [ "注意国别特点", "合法信息途径受保护", "具备较高素质的法律从业人员", "加大惩处力度" ], "stem": "信用制度的建设需要优良的法律环境，以下（ ）不是其应具备的特征。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73614, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54253, "score": 0, "sort": 0, "option": [ "高度发达的商品经济", "信用经济", "计划经济的重要组成部分", "法制经济" ], "stem": "市场经济不是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73615, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54509, "score": 0, "sort": 0, "option": [ "财龄分类法", "期间平均法", "倒推法", "年度分析法" ], "stem": "（）是在DSO的计算中计算误差最大（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73616, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54254, "score": 0, "sort": 0, "option": [ "运气好", "人际关系好", "掌握一门实用技术", "德才兼备" ], "stem": "个人要取得事业成功，实现自我价值，关键是（)", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73617, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54510, "score": 0, "sort": 0, "option": [ "社会信用体系运行", "信用教育管理", "信用法律体系建设", "信用服务保障" ], "stem": "（ ）是现代信用活动的有效组成部分，是信用管理体系的基础。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73618, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54255, "score": 0, "sort": 0, "option": [ "一个人基于一定的道德认识，自愿选择的有利于他人或社会的行为", "一个人在一次、两次道德行为中表现出来的偶尔的内心状态和心理特征", "一定社会或阶级对人们的行为提出的基本要求和准则", "一个人在长期的一系列的道德行为中表现出来的稳定的心理特征" ], "stem": "“一个人做了这样或那样一件合乎伦理的事，还不能说明他是有德的；只有当这种行为方式成为他性格中的固定要素时，才可以说他是有德的。”这句话表明，道德品质是（）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73619, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54511, "score": 0, "sort": 0, "option": [ "通过降低市场信息不对称，对失信者威慑", "将失信方与授信方的矛盾激化成失信方与全社会的矛盾", "设计的出发点是“人之初、性本善”", "主要通过正面教育宣传引导" ], "stem": "关于失信惩戒机制的工作原理，下列说法正确的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73620, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54256, "score": 0, "sort": 0, "option": [ "采取强硬措施，启动账款追收程序", "密切跟踪客户动向，并不断要求客户尽快提供证据", "改变结算方式，由信用结算改为现金结算", "指令储运部门停止发货，直到纠纷处理完毕" ], "stem": "客户经理不应如何面对客户拒绝付款的借口？（ ）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73621, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54512, "score": 0, "sort": 0, "option": [ "法国巴黎", "英国伦敦", "美国纽约", "荷兰阿姆斯特丹" ], "stem": "1830年，世界上第一个征信机构创立于（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73622, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54257, "score": 0, "sort": 0, "option": [ "位置", "生产或营运的设备和工具", "环保问题", "原材料采购" ], "stem": "设备状况及其运用状况主要包括主要生产线、场所设施、工作环境等，以下不属于信用调查内容的是（ ）", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73623, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54513, "score": 0, "sort": 0, "option": [ "信用交易", "信用机构的数量", "信用中介的发达程度", "GDP" ], "stem": "经济信用化的程度，可以通过信用消费和（ ）为标志的信用经济成分在国民经济中的比重来表示。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73624, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54258, "score": 0, "sort": 0, "option": [ "保护消费者权益", "维护市场公平竞争", "强制开放征信数据", "政府推动与社会参与相结合的原则" ], "stem": "在信用立法上，我国的原则与征信国家的基本原则相同的是（)", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73625, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54514, "score": 0, "sort": 0, "option": [ "注重客户细分工作", "明确客户需求", "确定合适的客户回访方式", "利用客户回访进行商品推销" ], "stem": "对于新老顾客对其进行电话回访的技巧不包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73626, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54259, "score": 0, "sort": 0, "option": [ "列入审查程序，严格审查", "约见客户代表，亲自了解客户申请信用额度的原因", "要求客户再次提交信用申请表以及相关财务说明", "拒绝客户新额度的申请" ], "stem": "对于财务状况恶劣，经常拖欠货款，逾期时间长的客户，在提出信用额度申请时，信用管理部门应该（)", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73627, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54515, "score": 0, "sort": 0, "option": [ "授信人掌握控制客户风险的技术", "卖方市场的形成", "商业银行的融资支持", "全社会范围内的失信惩戒机制建立" ], "stem": "企业采用信用销售方法的条件不包括（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73628, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54260, "score": 0, "sort": 0, "option": [ "说服人员的业务能力高低", "说服人员的沟通能力高低", "说服前的准备工作是否充分", "说服人员的态度好坏" ], "stem": "(）是说服客户提供信用申请表工作能否成功的决定性因素，对强势客户更为如此", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73629, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54516, "score": 0, "sort": 0, "option": [ "汇款", "托收", "信用证", "汇兑" ], "stem": "（ ）不是国际贸易中结算的基本类型。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73630, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54261, "score": 0, "sort": 0, "option": [ "从征信市场采集", "从上游供应商采集", "从下游购买商采集", "通过客户关联银行采集" ], "stem": "一般，欧美企业采集客户资料的首选方式是（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73631, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54517, "score": 0, "sort": 0, "option": [ "纳入不良贷款考核范围", "移交信贷管理部门进行诉讼", "及时处理抵押物", "向承兑申请人进行催收" ], "stem": "对于无法追收的账款（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73632, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54262, "score": 0, "sort": 0, "option": [ "评估客户经营管理方面的问题", "评估客户企业管理者品格的问题", "评估企业管理者能力的问题", "评估企业管理层合理性和稳定性的问题" ], "stem": "在面访时，“听过贵公司的管理层有一定变动，企业在经营和人事的哪些方面进行调整？”属于（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73633, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54518, "score": 0, "sort": 0, "option": [ "风险评估", "风险管理目标", "识别风险", "损失概率" ], "stem": "（ ）是对于特定类别的风险发生的可能性和对应的损失程度进行估计，是风险控制的依据。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73634, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54263, "score": 0, "sort": 0, "option": [ "“件”整理和按“架”整理", "按“卷”整理和按“架”整理", "按“卷”整理和按“件”整理", "按“件”整理和按“本”整理" ], "stem": "文本档案的两种整理方法是（）", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73635, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54519, "score": 0, "sort": 0, "option": [ "事前防范", "事中管理", "事后处理", "档案建立" ], "stem": "追回账款，处置失信客户，是在信用风险控制中（ ）环节所做的工作。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73636, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54264, "score": 0, "sort": 0, "option": [ "声望状况", "资质特点", "信用要素", "资产特点" ], "stem": "客户资信调查在西方国家被解释为：收集被调查方（）信息，客观反映被调查方信用特征的活动", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73637, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54520, "score": 0, "sort": 0, "option": [ "坏账准备金借款计划", "工具组合与分散风险", "保险、保理等措施", "追收账款" ], "stem": "信用风险控制方法中，属于风险的事前防范的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73638, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54265, "score": 0, "sort": 0, "option": [ "企业基本信息", "人力资源信息", "物力资源信息", "经营管理状况" ], "stem": "在进行客户资信调查时，股东和经营者情况，属于（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73639, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54521, "score": 0, "sort": 0, "option": [ "承诺", "答应", "应承", "同意" ], "stem": "（ ）是要约人接受要约。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73640, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54266, "score": 0, "sort": 0, "option": [ "按照资产变现的难易快慢程度，流动性依次递减", "按照资产变现的难易快慢程度，流动性依次递增", "按照资产固有的分类方法", "没有按照什么标准进行排序" ], "stem": "资产负债表中的资产分为流动性资产、固定资产、长期投资、无形资产、预付费用、其他资产，请问它们是按照什么标准进行排序的（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73641, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54522, "score": 0, "sort": 0, "option": [ "大量赊销+及时付款+最小坏账", "低销售+慢付款+零坏账", "最大销售额+缓慢付款+较高坏账", "负利润+现金流量不足" ], "stem": "最差的销售平衡等式是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73642, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54267, "score": 0, "sort": 0, "option": [ "01月06日", "01月09日", "01月15日", "01月19日" ], "stem": "属于企业信用管理人员错误造成客户工作失误或延误的投诉，但距信用管理人员出错时间已经超过（）个工作日的，客户投诉可以不受理", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73643, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54523, "score": 0, "sort": 0, "option": [ "销售型信用管理", "财务型信用管理", "授信型信用管理", "消费者型信用管理" ], "stem": "非常谨慎地审查客户信用申请，注重收账环节的工作，这是（ ）模式。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73644, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54268, "score": 0, "sort": 0, "option": [ "合作时间", "客户规模", "客户类型", "客户与企业的外贸关系分类" ], "stem": "按（????）分类，客户被划分为供应商、合作伙伴、分销商、最终客户、消费者等", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73645, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54524, "score": 0, "sort": 0, "option": [ "信用经理和财务经理", "司机和发货人员", "销售经理和客户", "信用经理和司机" ], "stem": "商品出库后要同时签字的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73646, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54269, "score": 0, "sort": 0, "option": [ "市场准入", "行业政策规定", "市场运作过程 ", "市场退出" ], "stem": "制定各种规范市场的准则，包括法律形式的准则，维护市场秩序，维护消费者在信用交易中的权益，维护征信机构之间的公平竞争。这体现了我国政府在（ ）方面的监管内容", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73647, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54525, "score": 0, "sort": 0, "option": [ "公路运输", "水路运输", "铁路运输", "航空运输 " ], "stem": "下列选项中对送货速度有要求的选项是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73648, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54270, "score": 0, "sort": 0, "option": [ "120万元", "150万元", "200万元", "300万元" ], "stem": "X企业向Y企业赊销货物，授予Y企业的循环信用额度是300万元，信用期限为30天。Y企业于2007年5月20日使用信用额度100万元，2007年7月23日使用信用额度150万元，2007年6月20日支付100万元，Y企业的剩余信用额度为（ ）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73649, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54526, "score": 0, "sort": 0, "option": [ "信用管理人员通常需要采集成套消费者信用信息", "可以采用从征信局订购消费者信用评分的方法", "重点在于将消费者使用本企业的信用情况记录", "是消费者信用管理基本功能之一" ], "stem": "关于消费者信用档案的管理，以下说法不正确的是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73650, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54271, "score": 0, "sort": 0, "option": [ "企业信用状况", "企业资金流向", "客户净现金流", "企业净现金流" ], "stem": "企业可以利用DSO，分析（ ) ", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73651, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54527, "score": 0, "sort": 0, "option": [ "设计信用工具", "推销信用工具", "激活信用工具", "回收信用工具" ], "stem": "投放信用工具的工作环节不包括（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73652, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54155, "score": 0, "sort": 0, "option": [ "管理学", "社会学", "法律", "历史" ], "stem": "道德是（ ）意义上的一个基本概念。不同的社会制度，不同的社会阶层都有不同的道德标准。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73653, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54156, "score": 0, "sort": 0, "option": [ "创新与继承根本对立", "创新就是独立自主", "创新是民族进步的灵魂", "创新不需要引进国外新技术" ], "stem": "对于创新说法正确的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73654, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54157, "score": 0, "sort": 0, "option": [ "爱岗敬业、诚实守信、办事公道、服务群众、奉献社会", "热情周到、互帮互助、爱岗敬业、团结协作、诚实守信", "爱国守法、明礼诚信、团结友善、勤俭自强、敬业奉献", "维护荣誉、谨言慎行、坚守岗位、恪尽职守、艰苦奋斗" ], "stem": "职业的道德规范指的是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73655, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54158, "score": 0, "sort": 0, "option": [ "诚信", "行为规范", "团队精神", "爱岗敬业" ], "stem": "职业道德是以（ ）作为中心。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73656, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54159, "score": 0, "sort": 0, "option": [ "守法", "服务", "诚信", "公平" ], "stem": "商界职业道德内容描述正确的是（）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73657, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54160, "score": 0, "sort": 0, "option": [ "职业道德", "职业意识", "职业习惯", "职业技能" ], "stem": "（ ）是人们在职业活动中，运用专业知识或经验顺利完成某种职业任务的一种动作活动方式或心智活动方式。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73658, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54161, "score": 0, "sort": 0, "option": [ "团结互助也要遵循等价交换的规则", "人人讲原则最终能够促进团结互助", "团结互助是全体员工保持一团和气", "团结互助的出发点和归宿是为了个人利益" ], "stem": "关于团结互相帮助的说法正确的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73659, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54162, "score": 0, "sort": 0, "option": [ "法律基础", "经济基础", "国家意志", "社会规范" ], "stem": "所谓道德，就是由一定社会的（ ）所决定，以善恶为评价标准，以法律为保障并依靠社会舆论和人们内心信念来维系的、调整人与人、人与社会及社会各成员之间关系的行为规范的总和。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73660, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54163, "score": 0, "sort": 0, "option": [ "国际化、科学化、现代化", "标准化、固定化、长期化", "合同化、法则化、终身化", "标准化、规范化、制度化" ], "stem": "员工职业化的工作状态是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73661, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54164, "score": 0, "sort": 0, "option": [ "着装华贵", "鞋袜搭配合理", "饰品俏丽", "发型突出个性" ], "stem": "仪容仪表的具体要求是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73662, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54165, "score": 0, "sort": 0, "option": [ "爱岗敬业、诚实守信", "遵守纪律、钻研业务", "认真负责、和谐相处", "精益求精、开拓创新" ], "stem": "下列选项中是对社会主义职业道德规范描述正确的是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73663, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54166, "score": 0, "sort": 0, "option": [ "《道德经》", "《史记》", "《论语》", "《大学》" ], "stem": "“道德”一语，在汉语中最早可追溯到先秦思想家老子所著的（ ）一书。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73664, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54167, "score": 0, "sort": 0, "option": [ "自我教育", "批评教育", "辅导教育", "远程教育" ], "stem": "自律的功能是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73665, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54168, "score": 0, "sort": 0, "option": [ "道德就是做好人好事", "做事符合他人利益就是有道德", "道德是处理人与人、人与社会、人与自然之间关系的特殊行为规范", "道德因人而异、因时而异，没有确定的标准" ], "stem": "对于道德说法正确的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73666, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54169, "score": 0, "sort": 0, "option": [ "节俭是美德，但不利于拉动经济增长", "节俭是物质匮乏时代的需要，不适应现代社会", "生产的发展主要靠节俭来实现", "节俭不仅具有道德价值，也具有经济价值" ], "stem": "对于“节俭”描述正确的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73667, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54170, "score": 0, "sort": 0, "option": [ "第一封", "第二封", "第三封", "第四封" ], "stem": "信函催收逾期账款过程中要发放多次催款函，其中“紧急催款函”是（ ）发出的。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73668, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54171, "score": 0, "sort": 0, "option": [ "监管方面对信用管理工作的要求", "信用管理人员的行业自律", "企业信用制度对职业道德的要求", "信用管理人员个人职业道德修养" ], "stem": "信用管理人员在执业过程中不断加强业务学习，通过各种方式不断提高自身的业务能力和知识水平，体现了（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73669, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54172, "score": 0, "sort": 0, "option": [ "助人为乐", "爱护公物", "保护环境", "遵纪守法" ], "stem": "（ ）就是爱护社会主义事业，爱护和尊重他人的劳动成果的具体体现。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73670, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54173, "score": 0, "sort": 0, "option": [ "集体主义", "人道主义 ", "功利主义", "合理利己主义" ], "stem": "当今社会的道德建设其原则正确的是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73671, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54174, "score": 0, "sort": 0, "option": [ "坚定的信心和顽强的意志 ", "先天生理因素", "思维训练", "标新立异" ], "stem": "对于企业员工创新要求是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73672, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54175, "score": 0, "sort": 0, "option": [ "发展的历史继承性", "本质上的强制性", "范围上的有限性", "形式上的多样性" ], "stem": "职业道德所包含的特征不正确的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73673, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54176, "score": 0, "sort": 0, "option": [ "物物交换", "以金银为交换媒介", "以货币为交换媒介", "以信用交易为主导" ], "stem": "市场上的经济形态不包括以下哪个阶段（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73674, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54177, "score": 0, "sort": 0, "option": [ "人的自私是天然本性", "坚持个人利益高于其他利益", "奉行今朝有就今朝醉的处事哲学", "脱离集体" ], "stem": "极端个人主义的本质是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73675, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54178, "score": 0, "sort": 0, "option": [ "职业性", "普遍性", "自律性", "不稳定性" ], "stem": "对于职业道德的特征说法错误的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73676, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54179, "score": 0, "sort": 0, "option": [ "职业分工", "职业收入", "职业荣誉", "职业特征" ], "stem": "以下属于违反信用管理从业在有关范围中，属于职业道德要素的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73677, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54180, "score": 0, "sort": 0, "option": [ "理智信任、积淀个人信誉，维护职业集体的荣誉", "理智信任、积淀个人信誉，庇护职业集体的荣誉", "理智信任、淡化个人信誉，突出职业集体的荣誉", "半信半疑、彰显个人信誉，增强职业集体的荣誉" ], "stem": "从业人员坚持“信誉至上”，需要践行的职业要求是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73678, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54181, "score": 0, "sort": 0, "option": [ "现代社会提倡人才流动，爱岗敬业正逐步削弱它的价值", "爱岗与敬业在本质上具有统一性", "爱岗与敬业在本质上具有一定的矛盾", "爱岗敬业与社会提倡人才流动并不矛盾" ], "stem": "下列选项错误的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73679, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54182, "score": 0, "sort": 0, "option": [ "奉献社会", "平等博爱", "爱国创新", "包容厚德" ], "stem": "《公民道德建设实施纲要》对从业人员提出的要求包括：爱岗敬业、诚实守信、办事公道、服务群众和（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73680, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54183, "score": 0, "sort": 0, "option": [ "派人打进竞争对手内部， 增强竞争优势", "凡有利于企业利益的行为", "根据服务对象来决定是否遵守承诺", "保守企业秘密" ], "stem": "没有违背对于诚信的是（ ）。", "image": "", "answer": "D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73681, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54184, "score": 0, "sort": 0, "option": [ "金额", "日期", "出票人签章", "收款人" ], "stem": "在票据上可以改动的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73682, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54185, "score": 0, "sort": 0, "option": [ "美国", "法国", "德国", "英国" ], "stem": "资信的评级是（ ）起源的。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73683, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54186, "score": 0, "sort": 0, "option": [ "真实、谨慎、勤奋", "忠心、严谨、殷勤", "忠诚、审慎、勤勉", "诚信、审慎、勤快" ], "stem": "从业人员在执业活动中应遵循的内在的道德准则是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73684, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54187, "score": 0, "sort": 0, "option": [ "明辨是非", "排除私心", "妥协权利", "不谋私利性" ], "stem": "下列选项中不符合办事公平公道的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73685, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54188, "score": 0, "sort": 0, "option": [ "主要是竞争关系", "有合作，也有竞争", "竞争与合作同样重要", "合作多于竞争" ], "stem": "关于同事之间的关系说法正确的是（ ）。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73686, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54189, "score": 0, "sort": 0, "option": [ "银行业协会建立会员制征信机构", "央行建立信贷登记系统", "记录企业信贷信息", "记录个人消费信贷信息" ], "stem": "关于征信服务的欧洲模式，以下描述错误的是（ ）。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73687, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54190, "score": 0, "sort": 0, "option": [ "3个", "4个", "5个", "6个" ], "stem": "信用管理师的等级可以划分为（）个等级。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73688, "question_type": 1, "type": 1, "test_id": 107, "questions_id": 54191, "score": 0, "sort": 0, "option": [ "按领导的意思办事就是忠诚于企业的表现", "敢于对领导提出批评是忠诚于企业的表现", "严格遵守企业的规章制度是忠诚于企业的表现", "忠诚于企业就要大胆地自我批评、批评他人、批评领导" ], "stem": "下列描述正确的是（ ）。", "image": "", "answer": "C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "单选题", "has_answer": 0, "special": [] }, { "id": 73689, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54784, "score": 0, "sort": 0, "option": [ "债权归属不清的案件", "正在诉讼过程中的案", "国家或地区法律禁止追收处理的案件", "因赌博或高利贷形成的个案", "跨国跨地区案件" ], "stem": "合格的商帐追收机构在逾期应收帐款委托的类别和范围上有清晰的界定，下列哪些是它们不予接受的。（）", "image": "", "answer": "ABCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73690, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54785, "score": 0, "sort": 0, "option": [ "车辆不满载", "对流运输", "迂回运输", "JIT运输", "车辆超载" ], "stem": "送货运输不合理的具体表现有（）", "image": "", "answer": "ABCDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73691, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54786, "score": 0, "sort": 0, "option": [ "事前准备", "详情记录", "情绪转移", "时机选择", "获得理解" ], "stem": "下列选项中属于电话追账应流程的选项是（）", "image": "", "answer": "ABCDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73692, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54787, "score": 0, "sort": 0, "option": [ "重要性原则 ", "季度原则", "及时性原则", "连续性原则", "全面性原则" ], "stem": "会计对账工作中需遵循的原则有（）", "image": "", "answer": "ACDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73693, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54788, "score": 0, "sort": 0, "option": [ "短缺成本", "机会成本", "坏帐成本", "管理成本", "赊销成本" ], "stem": "信用包括了哪些成本（ ）。", "image": "", "answer": "B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73694, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54789, "score": 0, "sort": 0, "option": [ "销售合同", "服务合同", "一般产品的采购合同", "建安工程承保合同", "成套设备采购合同" ], "stem": "合同可以分为（ ）几项，这是按照购买内容定义的。", "image": "", "answer": "A,B,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73695, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54790, "score": 0, "sort": 0, "option": [ "公平型原则", "保密性原则", "真实性原则", "独立性原则", "稳健性原则" ], "stem": "征信业务操作应该遵守的原则有（ ）。", "image": "", "answer": "B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73696, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54791, "score": 0, "sort": 0, "option": [ "矩阵图法", "散布图法", "模板布置法", "检查表法", "决策树法" ], 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"option": [ "可持续性原则", "完整性原则", "合理性原则", "稳定性原则", "科学性原则" ], "stem": "企业想要设计好信用申请表有哪些基本原则（ ）。", "image": "", "answer": "CE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73701, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54796, "score": 0, "sort": 0, "option": [ "客户资信调查", "客户信用分析", "授信管理", "应收账款管理", "客户管理" ], "stem": "合同管理与信用管理的关系十分密切，以下与合同的履行、变更和解除相关的信用管理是（ ）。", "image": "", "answer": "D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73702, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 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54799, "score": 0, "sort": 0, "option": [ "市场调研质量", "设计质量", "制造质量", "使量", "服务质量" ], "stem": "（ ）很大程度上影响了产品质量。", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73705, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54800, "score": 0, "sort": 0, "option": [ "各行业的职业道德各不相同", "职业道德适用范围是无限的", "职业道德的表现形式是固定的", "职业道德有一定的强制性", "职业道德是相对稳定的" ], "stem": "以下关于职业道德特征的说法，正确的是（）", "image": "", "answer": "A,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73706, "question_type": 2, "type": 1, 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"question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73710, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54805, "score": 0, "sort": 0, "option": [ "是整个信用档案的代码", "按照客户的行业进行分类，赋予不同行业不同的全宗号", "用五位代码标识", "汉语拼音字母标识全宗属性", "客户的生产经营场所、办公场所和人员的考察" ], "stem": "进场采集客户信用信息需要考察的各种情况包括。（???）", "image": "", "answer": "A,B,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73711, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54806, "score": 0, "sort": 0, "option": [ "姓名", "身份证号", "社会保障卡号码", "别名", "余额记录" ], "stem": "在个人征信工作中，属于个人辨识信息的资料是（）", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73712, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54807, "score": 0, "sort": 0, "option": [ "收集资料的信用管理人员态度和蔼", "认清调查工作的艰苦性", "不轻率发表个人意见", "资信调查工作是一项一次性完成的工作", "保持信用管理人员的专业性" ], "stem": "资信调查时应注意的问题有（）", "image": "", "answer": "ABC", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73713, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54808, "score": 0, "sort": 0, "option": [ "对客户的催促进行解释", "查询授信审批结果", "确定和批准信用申请", "向销售部门解释审批结果", "确保自身售后服务的质量" ], "stem": "信用管理人员审批后续工作指的是（）", "image": "", "answer": "ABD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73714, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54809, "score": 0, "sort": 0, "option": [ "提供信用申请表是按照法律法规要求的", "信用申请表内容不涉及任何商业机密", "提供信用申请表是企业既定的信用方针和政策 ", "说服顾客提供信用申请表是管理人员必备的技能", "提供信用申请表是遵循国际惯例的" ], "stem": "可以从哪些角度说服客户提供信用申请表（）", "image": "", "answer": "BCE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73715, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54810, "score": 0, "sort": 0, "option": [ "对于政务内网计算机要加快建设电子政务内网违规外联安全监管平台来监控", "加强网络安全保密教育", "规范移动存储载体的使用管理", "对于内网计算机可完全禁用USB接口", "提升整体员工计算机使用水平" ], "stem": "政务信息公开背景下亟需做好的安全保密工作有（）", "image": "", "answer": "ABCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73716, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54811, "score": 0, "sort": 0, "option": [ "人合公司", "资合公司", "人合兼资合公司", "母公司", "股份有限公司" ], "stem": "下面几种公司哪些属于按信用等级进行的企业分类（）", "image": "", "answer": "ABC", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73717, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54812, "score": 0, "sort": 0, "option": [ "脱敏规则", "脱敏方法 ", "脱敏数据", "脱敏治疗", "脱敏策略" ], "stem": "金融业机构建立个人金融信息脱敏管理规范和制度，应明确不同敏感级别个人金融信息（）的使用规则", "image": "", "answer": "ABC", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73718, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54813, "score": 0, "sort": 0, "option": [ "认清现状", "获得改善", "引导欲望", "满足欲望", "解决问题" ], "stem": "说服客户的技巧有哪些（）？", "image": "", "answer": "ABCE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73719, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54814, "score": 0, "sort": 0, "option": [ "在信用交易活动中受侵害一方当事人提供且属实的对方不良信用信息", " 民族、种族、宗教信仰、政治信仰等信息", "行政机关、司法机关、行使公共管理职能的组织等在行使职权过程中形成的与个人信用相关的信息", "已经依法公开的个人信用信息", "评估、经纪、咨询等中介服务行业的执业人员，因违反诚实信用原则受到行业组织惩戒的记录" ], "stem": "采集个人信用信息，应当征得被征信人的书面同意，但（）情形除外。", "image": "", "answer": "ACDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73720, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54815, "score": 0, "sort": 0, "option": [ " 商业性信用风险", "非道德性信用风险", "客户到期不付款风险", " 道德性信用风险", "金融性信用风险" ], "stem": "按照受信人的行为特点，信用风险有（)", "image": "", "answer": "BD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73721, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54816, "score": 0, "sort": 0, "option": [ "社区医院", "征信机构", "居委会", "银行", " 物业公司" ], "stem": "我国现阶段采集消费者信用信息的外部来源有（）", "image": "", "answer": "BD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73722, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54817, "score": 0, "sort": 0, "option": [ "明确检索的目的", "确定搜索目标", "缩小查询范围", "选择合适的征信数据库", "汇总结果并进行归档" ], "stem": "选择合适的目标征信数据库的操作步骤有（)", "image": "", "answer": "ABCDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73723, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54818, "score": 0, "sort": 0, "option": [ "主动资信调查", "被动资信调查", "追踪资信调查", "回收资信调查", "催收资信调查" ], "stem": "以资信调查的时期分，可以分为（）", "image": "", "answer": "ACE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73724, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54819, "score": 0, "sort": 0, "option": [ " 信用经理", "信用监理", "客户档案管理员", "信用分析员", "应收账款管理员" ], "stem": "企业信用管理岗位有多种，常见的信用管理岗位包括（）", "image": "", "answer": "ABCDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": 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"difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73729, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54824, "score": 0, "sort": 0, "option": [ "信用申请人基本情况", "公司总经理和主要负责人基本情况", "信用申请", "银行资料", "信用申请人保证条款" ], "stem": "企业客户信用申请表，一般应包括( )", "image": "", "answer": "ABCDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73730, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54825, "score": 0, "sort": 0, "option": [ "同业比较法", "授信比率法", "初次限额法 ", "销售预测法", "辅助交流法" ], "stem": "企业授信管理在对企业新客户确定授信额度时，可以利用的方法有（）", "image": "", "answer": "ACD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73731, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54826, "score": 0, "sort": 0, "option": [ "支票 ", "信用证 ", "汇票 ", "本票 ", "凭证" ], "stem": "《票据法》所指的票据包括（）", "image": "", "answer": "ACD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73732, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54827, "score": 0, "sort": 0, "option": [ "销售型信用管理", "对自然人的商品赊销的信用管理", "财务型信用管理", "囫囵型信用管理", "对法人的商品赊销的信用管理" ], "stem": "根据信用政策的松紧程度，可以将其分为（）", "image": "", "answer": "AC", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73733, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54828, "score": 0, "sort": 0, "option": [ "银行信用", "商业信用", "国家信用", "消费信用", "企业信用" ], "stem": "信用包括（）", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73734, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54829, "score": 0, "sort": 0, "option": [ "普通版征信报告", "深度调查报告", "专项调查报告", "后续调查报告", "表层调查报告" ], "stem": "征信报告种类包括（）", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73735, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54830, "score": 0, "sort": 0, "option": [ "《反洗钱法》", "《证券法》", "《公司法》", "中国证监会", "金融机构" ], "stem": "金融机构通过第三方识别客户身份的应当确保第三方已经符合（ ）要求的客户身份识别措施，第三方未采取符合本法要求的客户身份识别措施的，由（）承担未履行客户身份识别义务的责任。", "image": "", "answer": "A,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73736, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54831, "score": 0, "sort": 0, "option": [ "信用品质", "投资能力 ", "资本", "抵押品", "经济状况" ], "stem": "客户资信程度的高低通常决定于客户的（）", "image": "", "answer": "ACDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73737, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54832, "score": 0, "sort": 0, "option": [ "利率", "汇率", "股市行情", "基金净值", "来账信息通知" ], "stem": "为个人客户提供的金融投资信息服务是指：对客户发布（）等金融投资类的信息", "image": "", "answer": "ABCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73738, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54833, "score": 0, "sort": 0, "option": [ "付款人的营业场所", "付款人的住所或经常居住地", "收款人的营业场所", "收款人的住所", "收款人的经常居住地" ], "stem": "《中华人民共和国票据法》规定，汇票上未记载付款地，作为付款地的有（）", "image": "", "answer": "AB", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73739, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54834, "score": 0, "sort": 0, "option": [ "行政行为要符合客观规律", "行政行为要符合制定有关法律的目的；", "行政行为要符合国家和人民的利益", "行政行为要有充分客观的依据；", "行政行为要符合正义和公正。" ], "stem": "行政合理的具体要求是：（）", "image": "", "answer": "ABCDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73740, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54835, "score": 0, "sort": 0, "option": [ "降低信用交易过程中的双方交易信息的不对称性", "帮助授信人筛选合格的客户", "跟踪客户的经营状况", "提高信用交易的成功率额", "保障双方合法权益" ], "stem": "征信服务的目的是（）。", "image": "", "answer": "ABCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73741, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54836, "score": 0, "sort": 0, "option": [ "政治的不确定性", "宏观经济的不确定性", "法律环境的不确定性", "国家政策的不确定性", "自然环境的不确定性" ], "stem": "宏观环境的不确定性导致企业贸易的信用风险，这些宏观环境的不确定性大致可以分为（）", "image": "", "answer": "ABDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73742, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54837, "score": 0, "sort": 0, "option": [ "6月1日，甲方邮寄的合同文本因为没有加盖公章，所以属于要约邀请", "6月5日，乙方发送的合同文本已经加盖公章，所以属于要约", "6月6日，乙方的电话属于撤回要约", "因为要约于要约到达之前被撤回，所以合同未订立", "只要签订了合同就具有了法律效力，不管是否撤回一律按成立算，" ], "stem": "6月1日，甲方向乙方邮寄了一个未加盖公章的合同文本；乙方收到后认为符合单位的要求直接加盖公章后于6月5日寄回；6月6日乙方决定不能订立该合同，并立即向甲方打了电话并录了音；6月10日甲方接到合同文本，加盖公章后要求乙方履行合同。下面表述正确的是：（）", "image": "", "answer": "ABCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73743, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54838, "score": 0, "sort": 0, "option": [ "内部投诉（秘密投诉）", "信用预警", "公开投诉", "永久曝光", "网络监督" ], "stem": "在没有CS条款约定和CS条款约定例外的情况下，人们仍可以遵循诚信原则行使以下权力：（)", "image": "", "answer": "ABCDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73744, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54839, "score": 0, "sort": 0, "option": [ "经常性的沟通", "定期培训", "协同办公", "充分解释", "多方合作" ], "stem": "处理信用管理部门与销售部门之间的关系，需掌握（）原则", "image": "", "answer": "ABD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73745, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54840, "score": 0, "sort": 0, "option": [ "追收信件", "联络及追收电话", "个人走访", "见面洽谈", "委托第三方机构追收" ], "stem": "商账追收机构的运作方式是（ ），是通过这些环节来进行作业追收的。", "image": "", "answer": "A,B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73746, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54841, "score": 0, "sort": 0, "option": [ "债权文件", "债务关联", "债务人背景", "偿债能力", "债务认同" ], "stem": "在逾期账款进入催收程序之前，信用管理人员一般应该先对该笔应收账款进行资料分析，以下属于债权特征分析的是（????）。", "image": "", "answer": "A,B,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73747, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54842, "score": 0, "sort": 0, "option": [ "客户的一般信息", "客户的信用相关方信息", "客户的投资项目计划", "客户的财务信息", "客户的所有信息" ], "stem": "信用申请表必备的内容有（）", "image": "", "answer": "ABD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73748, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54843, "score": 0, "sort": 0, "option": [ "参考同行的信用额度", "以资信评级为基础", "层级增加法", "使用公式计算", "以上说法都对" ], "stem": "授予企业客户信用额度方法一般有（）", "image": "", "answer": "ABCDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73749, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54844, "score": 0, "sort": 0, "option": [ "企业自身收集", "官方信息", "银行信息", "公共媒介信息", "征信公司提供信息" ], "stem": "企业信用管理部门收集客户信息的途径有（）", "image": "", "answer": "ABCDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73750, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54845, "score": 0, "sort": 0, "option": [ "内部牵制论", "内部控制论", "内部控制结构论", "内部控制框架论", "内部控制自我评估" ], "stem": "近百年来人们对内部控制的认识经历了一个不断发展的过程，其中主要的控制理论有（）", "image": "", "answer": "ABCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73751, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54846, "score": 0, "sort": 0, "option": [ "伦理基础", "行业特点", "国家风险", "制度安排", "企业经营" ], "stem": "基于研究信用风险的（），形成了当代信用风险控制理论", "image": "", "answer": "AD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73752, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54847, "score": 0, "sort": 0, "option": [ "缺乏信用管理人才", "缺乏信用意识", "信用管理水平低", "缺乏完善有效的社会信用体系", "不科学的企业产权制度" ], "stem": "我国信用制度的建立与发展严重滞后于市场经济的发展，目前我国在信用体制方面存在的主要问题是（）", "image": "", "answer": "BDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73753, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54848, "score": 0, "sort": 0, "option": [ "向授信方提供记录或信用评分", "用法律规范失信惩戒机制的操作", "允许信用信息合法传播", "保证信用数据的开放", "未经客户授权的银行查询" ], "stem": "如果采用民间市场运作的失信惩戒机制操作模式，政府的作用体现为（）", "image": "", "answer": "BCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73754, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54849, "score": 0, "sort": 0, "option": [ "资信调查与评估", "客户授信管理", "债权保障机制", "帐款监控管理", "应收帐款管理与追收" ], "stem": "“3+1”科学信用管理模式的“3”表示三个阶段，即（）", "image": "", "answer": "ACE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73755, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54850, "score": 0, "sort": 0, "option": [ "客户信息审查机制", "控制保障机制", "帐款回收机制", "债权管理机制", "客户资料评审" ], "stem": "企业内部控制包括（）几个方面", "image": "", "answer": "ABC", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73756, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54851, "score": 0, "sort": 0, "option": [ "宏观经济发展环境", "经营要素", "财会要素", "查询记录", " 主权评级" ], "stem": "企业资信调查的要点包括（）", "image": "", "answer": "ABC", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73757, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54852, "score": 0, "sort": 0, "option": [ "分类管理原则", "集中管理原则", "动态管理原则", "完整性原则", "坚持性原则" ], "stem": "企业客户的信用档案管理原则指的是（）", "image": "", "answer": "BCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73758, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54853, "score": 0, "sort": 0, "option": [ "产品标准化制度", "认证制度", "生产许可证制度", "准入制度", "准出制度" ], "stem": "对产品的质量进行管理时其主要的内容有（ ）。", "image": "", "answer": "AB,,C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73759, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54854, "score": 0, "sort": 0, "option": [ "提供信用保证", "市场信息的传感器 ", "流通过程的衔接", "现货交易的场所", "开展物流管理的重要环节" ], "stem": "仓库的仓储功能包括了（ ）。", "image": "", "answer": "A,B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73760, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54855, "score": 0, "sort": 0, "option": [ "合法性", "科学性", "真实性", "合理性" ], "stem": "在设计信用申请表时，应该注意以下哪些设计原则()?", "image": "", "answer": "B,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73761, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54856, "score": 0, "sort": 0, "option": [ "时效性原则", "高成本高效率", "多渠道验证", "真实客观性" ], "stem": "在采集客户信用信息时，应遵循以下()原则?", "image": "", "answer": "A,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73762, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54857, "score": 0, "sort": 0, "option": [ "信用账期", "信用额度的使用方式", "信用额度的使用期限", "信用额度的总金额" ], "stem": "在回复客户信用申请时，信用审核通知书应包括以下那几个方面()?", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73763, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54858, "score": 0, "sort": 0, "option": [ "客户一般信息", "客户信用相关方信息", "填写客户企业成交业务量信息", "说服客户提供供应商信息" ], "stem": "辅导企业填写信用申请表时，在标准的申请表中，有几个方面内容是必须具备的，具体内容包括()。", "image": "", "answer": "A,B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73764, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54859, "score": 0, "sort": 0, "option": [ "客户向企业提供信用申请表是遵循国际惯例", "客户向企业提供信用申请表是遵循对等公平原则的", "信用申请表内容涉及客户商业机密", "要求客户提供信用申请表是企业既定的信用政策和方针" ], "stem": "在说服客户提供信用申请表时,当客户对企业的信用管理政策在误解而拒绝提供信用申请表时，信用管理人员应阐述提供信用S申请表的原因，如下正确的有()。", "image": "", "answer": "A,B,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73765, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54860, "score": 0, "sort": 0, "option": [ "信用经理坐席", "语音留言", "传真", "网上提交" ], "stem": ".受理客户的投诉时，受理客户投诉的方式有什么()?", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73766, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54861, "score": 0, "sort": 0, "option": [ "信用等级", "交易记录", "信用信息", "无犯罪记录证明" ], "stem": "在受理老客户的信用申请时，信用部门必须根据客户的()，决定是否批准客户增加信用额度。", "image": "", "answer": "A,B,C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73767, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54862, "score": 0, "sort": 0, "option": [ "转达客户信用申请", "参与商务谈判", "说服并指导客户填写信用申请表", "发放客户信用手册" ], "stem": ".新客户在申请信用时，有以下哪些步骤()?", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73768, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54863, "score": 0, "sort": 0, "option": [ "不必注意说话方式，保持强势态度", "是否向客户授予信用额度，最终必须由信用经理决定", "主动处理强势客户", "销售人员见机行事" ], "stem": "在受理新客户信用申请时，需要注意的事项有哪些()?", "image": "", "answer": "B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73769, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54864, "score": 0, "sort": 0, "option": [ "以非信用销售的其他形式授信债务人", "客户管理是企业实施信用管理的前提", "采取一种信用政策对待所有客户", "首先应该区分客户性质，并根据客户性质不同采取不同的信用政策" ], "stem": "众所周知，客户既是企业最大的利润来源，又是企业最大的风险来源。因此()。", "image": "", "answer": "B,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73770, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54865, "score": 0, "sort": 0, "option": [ "采集时间", "采集地点", "调查对象", "调查内容" ], "stem": "信息采集人员采集信息时，应按照“信用信息采集四要素”原则开展工作，这四要素包括()?", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73771, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54866, "score": 0, "sort": 0, "option": [ "书面申请", "口头申请", "电子申请", "网页填报申请" ], "stem": "客户信用申请的方式中，客户所采用的信用申请方式有哪些()?", "image": "", "answer": "A,B,C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73772, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54867, "score": 0, "sort": 0, "option": [ "工商企业对工商企业的信用活动(B2B)", "金融机构对工商企业的信用活动(F2B)", "工商企业对个人的信用活动(B2C)", "个人对金融机构的信用活动(C2F)" ], "stem": "信用活动是现代经济活动中最常见的形式之一。信用活动主要表现为7种形式，以下为信用活动形式的是()。", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73773, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54868, "score": 0, "sort": 0, "option": [ "按合作时间分类", "按客户规模分类", "按客户类型分类", "按企业与客户的内外贸关系分类" ], "stem": "划分信用管理部门客户的性质时，企业信用管理部门必须按照客户的性质对其进行分类，具体划分方式有（）。", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73774, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54869, "score": 0, "sort": 0, "option": [ "投诉条件", "投诉内容", "投诉处理范围", "投诉内容保留" ], "stem": "受理客户的投诉时，难免会遇到客户投诉的情况，信用管理部门对于客户的投诉要坚持原则，合理受理（）这些范围。", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73775, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54870, "score": 0, "sort": 0, "option": [ "信用申请表的填写一定要合乎规范，对于填写错误，需要在辅导过程中纠正或者进一步与客户联系，规范填写", "本着合作态度说服企业提供财务报表和业务往来信函，告知客户会为其保密", "在与客户交流的过程中信用管理人员始终保持良好的心态与平和的语气", "遇到客户不合作的情况使用过激的言辞强势合作" ], "stem": ".信用管理人员在受理客户信用申请的过程中，除了需要辅导客户准确填写信用申请表之外，还要检查客户资料的完整性，其中包括()。", "image": "", "answer": "A,B,C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73776, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54871, "score": 0, "sort": 0, "option": [ "承兑汇票", "信用保险", "保理", "第三方保证", "企业股东、负责人担保" ], "stem": "企业中期信用管理阶段的外部债权保障手段包括()。", "image": "", "answer": "A,B,C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73777, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54872, "score": 0, "sort": 0, "option": [ "客户拖欠的风险", "客户赖账的风险", "不同付款方式造成的信用风险", "客户诈骗的风险", "客户破产的风险" ], "stem": "在企业信用销售的实践中，常见的信用风险表现形式包括()。", "image": "", "answer": "A,B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73778, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54873, "score": 0, "sort": 0, "option": [ "企业资信调查", "消费者个人信用调查", "资产调查和评估", "资信评级", "信用管理咨询" ], "stem": "属于征信范畴的信用管理行业有()。", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73779, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54874, "score": 0, "sort": 0, "option": [ "思想、理念", "财富", "人才", "企业文化", "产品质量" ], "stem": "现代企业管理好自己的合同可以出()。", "image": "", "answer": "A,B,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73780, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54875, "score": 0, "sort": 0, "option": [ "企业自身收集的信息", "官方信息", "银行信息", "公共媒介信息", "征信公司提供的信息或委托第三方调查的信息" ], "stem": "企业信用管理部门收集客户信息的途径有()。", "image": "", "answer": "A,B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73781, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54876, "score": 0, "sort": 0, "option": [ "信用成本", "机会成本", "收帐成本", "管理成本", "坏帐成本" ], "stem": "赊销成本是由()构成的。", "image": "", "answer": "B,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73782, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54877, "score": 0, "sort": 0, "option": [ "注意合同条款", "合同履行情况记录", "规范运用格式条款", "合同专用章的保管和使用管理", "使用标准文本" ], "stem": "合同文本管理主要包括( )。", "image": "", "answer": "A,C,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73783, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54878, "score": 0, "sort": 0, "option": [ "参考同行的信用额度", "以资信评级为基础", "层次增加法", "使用公式计算", "以上说法都正确" ], "stem": "授予企业客户信用额度方法一般有（）。", "image": "", "answer": "A,B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73784, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54879, "score": 0, "sort": 0, "option": [ "银行业协会建立会员制征信机构", "央行建立信贷登记系统", "记录企业信贷信息", "会员银行有义务如实提供客户的信用信息", "记录个人消费信贷信息" ], "stem": "关于征信服务的欧洲模式，以下描述正确的是（）。", "image": "", "answer": "B,C,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73785, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54880, "score": 0, "sort": 0, "option": [ "发行债券", "应收账款管理", "参加招投标", "增加贷款审批成功率", "控制坏账" ], "stem": "主要是因为以下(ABCDE)原因，企业通常选择独立的第三方进行评级。（）", "image": "", "answer": "A,B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73786, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54881, "score": 0, "sort": 0, "option": [ "又称为信用评级或资信评估", "以统计方法确定指标体系", "以统计方法确定量化标准", "对各类经济组织和金融工具的履约可信程度", "运用明确的文字符号来标明等级" ], "stem": "关于资信评级的概念，下面表述正确的有（）。", "image": "", "answer": "A,B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73787, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54882, "score": 0, "sort": 0, "option": [ "产品寿命短", "产品寿命长", "财务状况弱", "财务状况强", "企业发展速度快" ], "stem": "( )情况下应该采用积极型信用政策。", "image": "", "answer": "A,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73788, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54883, "score": 0, "sort": 0, "option": [ "提升了委托企业的信誉", "提升了征信机构的信誉", "成本低", "回复率高" ], "stem": "征信机构提供全权委托服务的优点体现在()。", "image": "", "answer": "A,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73789, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54884, "score": 0, "sort": 0, "option": [ "企业外部经济环境因素", "企业内部环境因素", "与企业发展相匹配的政策因素", "企业客户相关因素", "以上选项都正确" ], "stem": "企业在制定信用政策时应考虑()因素。", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73790, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54885, "score": 0, "sort": 0, "option": [ "坏账就是彻底不能收回的客户欠款，即呆账", "可以采取坏账催收的方法，挽回一部分坏账损失", "企业一般以计提坏账准备金以应付坏账", "可以采取实物清偿的方法，挽回一部分坏账损失", "可以采取法律诉讼的方法，挽回一部分坏账损失" ], "stem": "从企业信用制度的角度，以下关于坏账处理正确解释的是()。", "image": "", "answer": "B,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73791, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54886, "score": 0, "sort": 0, "option": [ "以债务人到期不能履行契约中的债务清偿义务为保险事故", "以商品销售和货币借贷中债务人的信用为保险标的", "以商品销售和货币借贷中债务人的信用为保险标的", "代理客户的债权，帮助客户追收账款", "承担因债务人无力支付而造成的损失" ], "stem": "保理业务的主要内容包括()。", "image": "", "answer": "C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73792, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54887, "score": 0, "sort": 0, "option": [ "管理层变动", "付款习惯发生重大变化", "购买习惯发生巨大变化", "过度的快速扩张E、到了半年或一年的间隔时间" ], "stem": "下列()情况，客户的信用信息需要临时更新。", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73793, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54888, "score": 0, "sort": 0, "option": [ "超额担保", "现金担保账户", "储备基金", "利息率差" ], "stem": "信用提高的内部信用提高主要有()。", "image": "", "answer": "A,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73794, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54889, "score": 0, "sort": 0, "option": [ "信用管理人员在提供利用征信数据库开拓市场服务时，为提高工作效率，应该设计一份“开拓市场委托查询表”", "如果信用管理部门刚刚替一个部门提供了一项查询，如另一部门提出同样的查询要求，为了避免重复查询和节省费用，可直接将查询结果提供给另一查询申请人使用", "利用征信数据库开拓市场服务，包括订购和分析相关调查报告", "人力资源部调查应聘者的雇佣背景情况，必须委托信用管理部门", "人力资源部调查应聘者的雇佣背景情况，可直接从个人征信机构订购" ], "stem": "下列说法错误的有()。", "image": "", "answer": "B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73795, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54890, "score": 0, "sort": 0, "option": [ "同业比较法", "初次限额法", "资信调查法", "销售预测法", "快速测算法" ], "stem": "确定信用额度的方法有()。", "image": "", "answer": "A,B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73796, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54891, "score": 0, "sort": 0, "option": [ "信用风险防范过程包括事前防范、事中管理和事后处理", "事后管理是指出现了逾期应收账款以后的管理，主要是追回货款，处置失信客户", "风险管理工具包括风险防范类工具和财务类风险管理工具两类", "对于风险工具的选择，应该按照成本最小的原则进行选择" ], "stem": "以下的说法正确的是()。", "image": "", "answer": "A,B,C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73797, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54892, "score": 0, "sort": 0, "option": [ "给付现金客户以价格上的折扣，以鼓励客户同企业进行现金交易", "给付现金客户以发票金额的折扣，以鼓励客户同企业进行现金交易", "在赊销方式下，对于在规定时间内付款的客户，给予发票金额的折扣，以鼓励客户及早付清货款", "在赊销方式下，对于在规定的短时间内付款的客户，给予发票金额的折扣，以鼓励客户及早付清货款" ], "stem": "在客户签订赊销合同时，给予客户的现金折扣包括两种不同情况()。", "image": "", "answer": "A,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73798, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54893, "score": 0, "sort": 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"要有高素质的管理人员", "人员结构要合理配置" ], "stem": "企业在使用计算机管理合同前需要做好一系列的基础工作和前期准备工作，它们包括（）等工作", "image": "", "answer": "ABDE", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73866, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54758, "score": 0, "sort": 0, "option": [ "设立 ", "变更", "终止", "签订", "违约" ], "stem": "合同是民事主体之间对民事法律关系的协议（)", "image": "", "answer": "ABC", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73867, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54759, "score": 0, "sort": 0, "option": [ "租赁合同中，出租人因未履行租赁维修义务，而承租人自行维修所支付费用无法得到清偿时，承租人对租赁物享有留置权", "定作人未向承揽人支付报酬的，承揽人对未完成的工作成果可享有留置权", "寄存人未按照合同预定支付保管费的，保管人对保管物享有留置权", "委托物不能卖出，经行纪人催告，委托人无正当理由拒绝受领的，行纪人对委托物享有留置权", "留置权人与债务人没有约定债务履行期间或者约定不明确的人，留置权人可以随时要求债务人履行债务" ], "stem": "下列各项中，符合留置权使用条件的有（ ）", "image": "", "answer": "BC", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73868, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54760, "score": 0, "sort": 0, "option": [ "拍卖公告", "招标公告", "招股说明书", "债权募集办法", "签订合同" ], "stem": "下面哪些选项属于邀约（)", "image": "", "answer": "ABCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73869, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54761, "score": 0, "sort": 0, "option": [ "不具有严格意义上的独占性 ", "商业秘密权的效力，取决于其保密的程度", "商业秘密权不受时间限制", "商业秘密权不受地域限制", "具有独立性" ], "stem": "商业秘密权与其他知识产权相比，其不同点有有（）", "image": "", "answer": "ABCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73870, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54762, "score": 0, "sort": 0, "option": [ "知识管理战略", "企业知识管理系统", "评价方法和原则 ", "文化氛围制度", "激励体系" ], "stem": "实现成功的知识管理体系的5项关键是： ①制定企业（），建立知识创新激励机制，塑造知识共享的企业文化氛围。 ②设置知识主管专门负责企业知识管理工作，开发知识创新能力。 ③与企业的业务流程相结合，调整企业知识结构。 ④建立（），管理知识生产、交换、整合和内化。 ⑤对知识管理体系制定（），以期改进", "image": "", "answer": "A,B,C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73871, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54763, "score": 0, "sort": 0, "option": [ "本人身份证件", "理财交易卡", "活期存折", "产品协议书", "第三方介绍信" ], "stem": "客户如需查询理财交易卡下的理财合同信息或交易明细信息需提供（）", "image": "", "answer": "AB", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73872, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54764, "score": 0, "sort": 0, "option": [ "信用期限 ", "现金折扣", "折扣期限", "信用标准", "信用政策" ], "stem": "信用条件是指公司要求客户支付赊销款的条件，一般包括（）", "image": "", "answer": "ABC", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73873, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54765, "score": 0, "sort": 0, "option": [ "仓容物资储存定额的制定 ", "保管场所的分配", "确定仓库的物资储存能力", "保管场所的布置", "物资堆垛设计" ], "stem": "仓储规划是仓储管理的必要步骤，仓储规划主要包括：（）", "image": "", "answer": "BCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73874, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54766, "score": 0, "sort": 0, "option": [ "专项贷款额度", "非融资性保证额度", "债券承销额度", "债券投资额度", "合资贷款额度" ], "stem": "信用额度可分为“经营周转类额度”、（）以及“其它产品额度”等分项额度", "image": "", "answer": "ABCD", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73875, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54767, "score": 0, "sort": 0, "option": [ "买卖", "提供", "公开", "阅读", "占有" ], "stem": "公民享有人身自由权、选举权等多项权益，任何组织和个人不得非法（ ）他人信息。", "image": "", "answer": "A,B,C,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73876, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54768, "score": 0, "sort": 0, "option": [ "来自供应商的信用信息", "来自银行的信用信息", "来自信用报告机构的信用信息", "客户基本资料", "财务报表" ], "stem": "下列客户信用档案的内容中，需要定期更新的是（ ）.", "image": "", "answer": "A,B,C", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73877, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54769, "score": 0, "sort": 0, "option": [ "真实客观性原则", "多渠道验证原则", "低成本高效率原则", "时效性原则", "整体性原则 " ], "stem": "在采集客户信用信息时，应遵循（????）。", "image": "", "answer": "A,B,C,D", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73878, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54770, "score": 0, "sort": 0, "option": [ "个人资信调查", "企业资信调查", "婚姻资信调查", "产业资信调查", "财产资信调查" ], "stem": "可以将客户的资信调查分为（ ）。", "image": "", "answer": "A,B,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73879, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54771, "score": 0, "sort": 0, "option": [ "期间平均法", "二分法", "倒推法", "成本核算法", "账龄分析法" ], "stem": "DSO可以按年、季度、或月时间段的方式进行计算，计算方法包括（ ）。", "image": "", "answer": "A,C,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73880, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54772, "score": 0, "sort": 0, "option": [ "政府监管信息", "银行贷款信息", "行业评价信息", "媒体评价信息", "市场反馈信息" ], "stem": "企业的信用档案中包含了（ ）。", "image": "", "answer": "A,B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73881, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54773, "score": 0, "sort": 0, "option": [ "必须由信用经理决定", "销售人员要见机行事", "设定信用等级", "处理强势客户", "注意谈话方式" ], "stem": "信用管理师做到（ ）就可以成功受理新客户信用申请了。", "image": "", "answer": "A,B,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73882, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54774, "score": 0, "sort": 0, "option": [ "对一般合同和重大合同区别对待", "审查条款的合法性和可行性", "审查对方的主体资格", "审查对方的履约能力和商业信用", "审查自身的履约能力" ], "stem": "合同审批管理的主要内容有（ ）。", "image": "", "answer": "B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73883, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54775, "score": 0, "sort": 0, "option": [ "企业销售部门", "企业市场部门", "企业进出口部门", "企业高层经理人员", "企业涉外部门" ], "stem": "一般来说，（）是利用征信数据库开拓市场的。", "image": "", "answer": "A,B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73884, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54776, "score": 0, "sort": 0, "option": [ "编制案券目录号", "整理客户信用资料", "整理客户通话记录", "归集信用档案原始资料", "编制全宗号" ], "stem": "建立客户的信用档案就必须要（ ）。", "image": "", "answer": "A,B,C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73885, "question_type": 2, "type": 1, "test_id": 107, "questions_id": 54777, "score": 0, "sort": 0, "option": [ "代理商", "经销商", "信用良好客户", "OEM客户", "工业客户" ], "stem": "一般情况下，企业对（ ）信用政策会有所放松。", "image": "", "answer": "C,D,E", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "多选题", "has_answer": 0, "special": [] }, { "id": 73886, "question_type": 2, "type": 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"question_type": 3, "type": 1, "test_id": 107, "questions_id": 55040, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "足额、按时收回账款是应收账款管理的最终目标。（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 73893, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 55041, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "应收账款主要日常管理中，满足应收账款收现保证率是十分关键的。（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 73894, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 55042, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "拖欠与坏胀有着密切的关系，加强应收账款管理，可降低拖欠造成的坏账成本。（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 73895, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 55043, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "坏账是指买方拒绝付款或已经完全丧失了付款能力，导致卖方无法收回的账款。（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 73896, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 55044, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "信用风险是指国交易一方不能履行或不能全部行交收责任而给另一方造成的风险。（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 73897, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 55045, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "目前我国银行实行的法定制度之一，是不能向他人及其他金融机构泄露贷款人信息，与国外的信用制度相一致的。（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 73898, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 55046, "score": 0, "sort": 0, "option": [ 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0, "option": [ "正确", "错误" ], "stem": "个人信用主要是指根据居民的家庭收入与资产、已发生的借贷与偿还、信用透支、发生不良信用时所受处罚与诉讼情况。()", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 73903, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 55051, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "目前我国银行实行的法定制度之一，是不能向他人及其他全融机构泄露贷款人信息，与国外的信用制度相一致的。()", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 73904, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 55052, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "信用期限是指企业允许客户赊欠付款的最短期限。()", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 73905, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 55053, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "信用额度是指企业授予客户的最高赊销量。()", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 73906, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 55054, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": 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"special": [] }, { "id": 74020, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54910, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）期间平均法、倒推法和DSO法都属于应收账款平均回收时间的普遍常用的计算方法", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74021, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54911, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）一名外勤催收人员应该具备冷静、热心、自信、睿智的个人特质", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74022, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54912, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "营运资产分析模型中速动比率的计算公式是(流动资产-流动负债)存货()。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74023, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54913, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）在外国，商账追收行业是合法的，但是我国目前还没有制定相关的法律条文", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74024, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54914, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）内勤追收是很方便的，所以企业没有特殊情况下都会采用这种方法。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74025, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54915, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）在外国，商账追收行业是合法的，但是我国目前还没有制定相关的法律条文。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74026, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54916, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）失信惩戒机制的设计是本着“人之初、性本恶”的观点为出发点的", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74027, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54917, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）按照ABC分类管理法对应收账款进行综合分析时，把因自然灾害或客观环境发生较大变化等不可抗拒的因素引起经营极度困难且扭转无望单位的逾期应收账款划分为A类账款。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74028, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54918, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）在5C要素学说中，最早出现的衡量客户信用的要素是品质、资本和担保。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74029, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54919, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）评价企业客户的6C学说是在5C学说的基础上多加了一个C——环境状况。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74030, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54920, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）人工坐席是最常见的受理客户投诉的渠道。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74031, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54921, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）企业信息表是反映企业限定日期内的财务状况的会计层面的报表。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74032, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54922, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）会计的三大工作是指，记账、对账、报账。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74033, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54923, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）信函催收费用较低，效果较好，是追讨逾期账款绩效最好的方法。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74034, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54924, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）冷静是外勤催收人员最难以培养的能力。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74035, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54925, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）企业核对账目就是对账。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74036, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54926, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）对账是对各种账目和会计工作之间相对应的记录进行核对，看是否正确的活动。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74037, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54927, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）会计进行核算的原始凭证是银行的对账单。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74038, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54928, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）逾期账款和成功率成反比，逾期账款的时间越长，催收成功率越高。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74039, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54929, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）信用管理人员对于企业的物流管理可以忽略，但是产成品库存管理模式要详细了解。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74040, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54930, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）信函催收费用较低，效果较好，但不是是追讨逾期账款绩效最好的方法。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": 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"has_answer": 0, "special": [] }, { "id": 74043, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54933, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）进场信息的采集时间不能低于5个小时。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74044, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54934, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）DSO是指在企业所有应收账款中，每个阶段的应收账款所占数量和比重。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74045, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54935, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）不可以像他人或金融机构透露客户的贷款信息。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74046, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54936, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）期间平均法、倒推法和DSO法都属于应收账款平均回收时间的普遍常用的计算方法。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74047, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54937, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）凭证处理有六大功能。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74048, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54938, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）坏账率是最常用的企业信用管理评价指标之一，但它无法反映在某一销售期间坏账与销售额的比较。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74049, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54939, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）企业的信用政策可以想新客户提供额度。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74050, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54940, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）企业不必选择第三方催收机构，因为自己负责收账，收账效果更好。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74051, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54941, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）信用工具的广泛使用会改变企业的销售方法。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74052, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54942, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）在市场经济增长的条件下，进入信用阶段是可以以人的意志为转移的。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74053, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54943, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）会计档案中的其他类的范围中包含了银行对账。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74054, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54944, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）企业对已经逾期的应收款结论报告应有权威性。", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74055, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54945, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）失信惩戒机制的设计是本着“人之初、性本恶”的观点为出发点的。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74056, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54946, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）真正意义上的信用管理起源的标志是征信机构的出现。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74057, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54947, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）对会计的账簿中的数据进行核对就是对账。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74058, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54948, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）付款交单交易方式，简称为D\/P。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74059, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54949, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）债务人特征值较低则说明该人信用值低，应尽快委托专业追账机构进行调查，采用恰当的追讨措施。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74060, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54950, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "（ ）信用管理师对客户进行催收时应注意语气。", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74061, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54951, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "2%30表示的意思是2%的商业折扣，除销的期限为30天。如果买方 30天后付款，卖方要收取利息，同时取消商业折扣。（）", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": 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"判断题", "has_answer": 0, "special": [] }, { "id": 74066, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54956, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "在企业的信用销售政策中，给予客户的现金折扣率应该与折扣期限呈正比例变化。()", "image": "", "answer": "B", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] }, { "id": 74067, "question_type": 3, "type": 1, "test_id": 107, "questions_id": 54957, "score": 0, "sort": 0, "option": [ "正确", "错误" ], "stem": "资信调查是一个合理正当的行为和要求，必要时可以向被征求方直接索取资料。（）", "image": "", "answer": "A", "difficulty": 3, "analysis": "", "relation": null, "is_img": 0, "is_del": 0, "type_name": "", "userAnswer": [], "test_paper_name": "2023年11月26日信用管理师三级考试练习题", "test_paper_cate_name": "2023年11月26日信用管理师三级考试练习题", "question_type_cn": "判断题", "has_answer": 0, "special": [] } ], "count": 0 }