中国银行营业网点服务规范考试复习题

来源:卫生职称 发布时间:2020-08-31 点击:

 《中国银行营业网点服务规范》考试复习题

 一、填空题

 (一)网点外部应设置无障碍通道和( )。

 (二)机构标准,地面以及ATM机等附属设施应保持整洁,无损坏,无污渍,( )。

 (三)网点厅堂的玻璃门应有明显的( ),地面洁净无杂物。

 (四)网点门前应保持良好秩序,地面( )、车辆( ),无( )业务宣传横幅悬挂( ),过期横幅( )。

 (五)营业厅内的清洁工具放置在客户视线( )的位置。

 (六)节日或庆典期间美化环境的所有装饰,应在节日后( )天内拆除。

 (七)大堂服务人员工作台摆放( ),有明显的( )对照标准,保持清洁。

 (八)填单台应有( ),点(验)钞机能正常使用,( )、( )按照统一标准摆放。

 (九)利率( )显示屏使用正常,时间准确。

 (十)封闭式柜台服务区工作台面( )摆放在盒内,点钞机、密码键盘等摆放有序,( )、( )放置在有鎖尾箱内或抽屉内,( ),营业用具打印纸等物品摆放整齐。

 (十一)开放式柜台服务区工作台面( )、( )、印章、产品宣传折页、凭证箱清洁,整齐,摆放有序。

 (十二)未设置叫号机的,( ),导向护栏整齐清洁。

 (十三)理财服务区桌面物品整洁,视线内不摆放( )。

 (十四)自助服务区远程对讲机,( )使用正常。自动玻璃门贴有醒目的( )。

 (十五)辅助功能区卫生间清洁( ),卫生器具能正常使用,( )保持供给。

 (十六)柜员上岗时,统一着制式( ),保持整洁。不混穿( ),不穿( ),牛仔服、短裤、超短裙、健美裤、运动鞋、( )等。

 (十七)男员工着制式行服时,内穿长袖衬衣,衣摆( ),系领带,穿( )。

 (十八)女员工着制式行服(西装)时,内着( ),衣摆束入裤(裙)内,佩戴统一的( )(领带),穿黑色皮鞋,着裙装时,应配穿( )的肉色长丝袜,袜口、衬裙不外露。

 (十九)炎热季节,可统一着( )。

 (二十)穿着行服时应保持平整、干净、( ),无油渍、汗迹或褶皱,( )、( )不翻卷。

 (二十一)着衬衫时,工号牌的中心线与衬衫( )和( )纽扣之间的( )着西装时,女员工参照( )的位置。男员工工号牌的下沿与( ),并处于袋口的( )。参照我行个金部下发的《网点服务人员仪容着装规范》。

 (二十二)新员工和实习生在尚未配发制式行服时,须穿( )、( )与行服相近的职业装。

 (二十三)上班时间,仪容应干净整洁,( )、( )、( )庄重。

 (二十四)男员工不留长发,不染彩发,不剃光头,( ),不佩戴( )和其它饰物。

 (二十五)女员工应( ),使用香水以清新淡雅气味为宜。留短发时,刘海( ),过肩长发应( ),并佩带( )。不染彩发、( )、( )、( )、不佩带过多饰物。

 (二十六)员工举止文明礼貌,符合礼仪,接待客户( ),( ),做到来有迎声( ),问有答声( 或 ),办完业务有提示( ),走有送声( )。不在营业场所聊天、谈笑、打闹、瞌睡、吸烟、看书报、吃东西以及( )等。

 (二十七)在引导、指引客户时,应以( )向客户做出示意手势。在送别客户、向客户致谢时应( ),表示对客户尊敬。

 (二十八)服务用语应礼貌,规范,语言亲切( ),语气平和,提倡讲( ),也可根据区域习俗使用( ),实现语言无障碍服务。

 (二十九)大堂服务人员服务外宾时,应使用( )或( ),语言表达准确、礼貌,并能掌握简单( ),为聋哑人提供特殊服务。

 (三十)封闭式柜台柜员按叫号器后,微笑面向客户以( )手式招迎客户,按星级柜员评定系统的( )键,配以规范言行向客户问好。无叫号器的应向客户( )。

 (三十一)为客户专注办理业务,按照( )的原则,原则上不接听电话,特殊情况需( )接听,快速结束。

 (三十二)提示客户办理小额存款及( )以下取款的简单业务使用自助设备。

 (三十三)因系统故障等原因中断服务,须摆放( )提示牌或利用柜台叫号屏显示( )并做好解释工作。

 (三十四)当发现假币时,应向客户说明( )的依据,诚恳向客户讲解识别假钞的方法,并按规定履行假币( )手续。

 (三十五)封闭式柜台柜员在办理业务过程中,要用( )营销方式有针对性,有重点推荐近期银行的主推产品,向客户进行( ),快速,准确完成业务交易,识别发现中、高端客户并推荐给( )、( )等不同功能区域。

 (三十六)客户过多时,应提出快速调配资源,增加营业窗口的建议,缓解客户等候时间。当出现系统故障时,( )告知客户,用规范用语安抚客户,并及时向客户通报故障进程。

 (三十七)办理业务时,( )递接钞、单、卡、折、证等,以( )客户所办的业务。

 (三十八)办理复杂业务或等候时间较长的业务,应( )。

 (三十九)不随意停办业务,因系统故障等原因中断服务,须摆放( )或利用( ),并作好解释工作。

 (四十)柜员上岗时,统一着制式( ),保持整洁。不混穿( ),不穿( ),牛仔服、短裤、超短裙、健美裤、运动鞋、( )等。

 二、选择题、多项选择题

 (一)我行个人网上银行安全措施

 A、密码(

 B、密码附加码(

 C、动态口令牌(

 (二)网银可以办理的业务

 A、关联帐户之间转帐(

 B、买卖基金(

 C、转往他人帐户(

 D、买卖股票(

 (三)哪些渠道可以还信用卡透支款

 A、柜台(

 B、网银(

 C、ATM(

 (四)哪些业务使用卖出价结算

 A、兑换外币现钞(

  B、境外汇出汇款(

 (五)2005年版人民币的防伪特征

 A、凹版印刷(

 B、磁性全息开窗式安全线(

 C、红蓝纤维(

 D、隐形面额数字(

 (六)我行零售贷款的产品有

 A、国家助学贷款(

 B、个人住房贷款(

 C、个人投资经营贷款(

 (七)对封闭式柜台服务人员的要求包括:

 A、无叫号器的应向客户点头示意

 B、用“一句话”方式进行营销 

 C、使用简洁语言引导客户使用网上银行等电子服务

 D、因系统故障等原因中断服务,摆放“暂停服务”提示牌后,离岗等待系统恢复

 E、按规定履行假币没收手续

 (八)在推介、销售产品时,理财人员应做到:

 A、对于初次见面的客户,应主动介绍自己的姓名和职务

 B、向客户说明并叙做“风险承受能力测试问卷”

 C、在综合评定客户需求和风险承受能力后,向客户推荐合适产品

 D、引导客户仔细阅读风险条款

 E、客户无异议后,理财人员抄写风险提示语,并与客户鉴订相关协议

 (九)营业后操作,应进行:

 A、登记待处理事项 

 B、处理当天的客户投诉意见

 C、清理工作环境

 D、将日用设备、机具等调至待机状态

 E、整理当天的业务资料等,做到日清日结

 (十)对于客户投诉,应做到:

 A、直接责任员工要虚心听取客户意见和建议

 B、对客户在意见簿上的投诉或留言,留有联系方式的,要电话回复客户

 C、客户对有关政策不理解的投诉,请客户向有关政策制订部门反映

 D、对发生的客户投诉应及时告知提醒员工

 E、对成功处理解决的投诉个案,要注意总结经验

 三、判断题 正确的打√,错误的打×

 (一)网点厅堂内洁净明亮、无浮沉。门窗玻璃、柜台玻璃、柜台台面色调和谐,布置美观。区域内桌椅、沙发以及各种服务设施应摆放整齐,整洁无破损,无杂物摆放。玻璃门应有明显的防撞条,地面洁净无杂物。( )

 (二)宣传广告,产品广告、通知等张贴在统一的宣传告示牌上,过期广告、告示要及时清除。节日或庆典期间美化环境的所有装饰,应在节后10天内拆除。( )

 (三)叫号机设备正常使用,语音播报和机打号有外文。( )

 (四)服务窗口(柜台)、服务项目、服务指示牌和供客户使用的自助设备带有中文标识的应有其它外语(英文、当地少数民族语种)对照。( )

 (五)工作台面电脑、传票、印章、产品宣传折页、凭证箱清洁、整齐,摆放有序。设置标识牌,并保持清洁、使用正常。( )

 (六)金融营业许可证、营业执照等证件,装框挂置在营业大厅内墙面。( )

 (七)女员工怀孕期间不便穿行服时,可穿款式与行服相近的服装。( )

 (八)保安人员上岗时须着行服,戴帽子、西领带、扎腰带、佩戴警械、穿黑色皮鞋,且着装整洁、仪容威武。( )

 (九)保安人员不留长发、不染彩发、不剃光头、不蓄胡须、不配戴有色眼镜和其它饰物。( )

 (十)举止:文明礼貌、符合礼仪,接待客户应表示亲切微笑,神情专注。( )

 (十一)封闭式柜台员工在办理业务时应主动、诚恳与客户交谈,寻机了解客户基本情况、需求,收集客户资料,建立信息档案,有针对性开展产品销售,将优质客户向理财人员推荐。( )

 (十二)大堂经理和客户面谈时,应注意收集客户基本信息及相关财务资料了解客户理财需求,解答客户疑问,并记录谈话内容,做好工作日志。( )

 (十三)私人银行接待人员对于没有预约或陌生拜访的客户,应将其推荐给理财和财富管理人员。( )

 (十四)对客户在意见簿上的投诉或留言,网点负责人应每周查阅,认真受理,及时(四个工作日)回复。对留有联系方式的,要电话回复客户。( )

 (十五)对客户向媒体投诉并已带媒体来到网点的,网点负责人要报告上级有关部门,启动应急公关预案,减少或消除负面影响。( )

 (十六)宣传广告,产品广告、通知等张贴在统一的宣传告示牌上,过期广告、告示要及时清除。节日或庆典期间美化环境的所有装饰,应在节后10天内拆除。( )

 (十七)发现假币时应向客户说明判断假币的依据,并要求其不得再次使用。( )

 (十八)封闭式柜台员工在办理业务时应主动、诚恳与客户交谈,寻机了解客户基本情况、需求,收集客户资料,建立信息档案,有针对性开展产品销售,将优质客户向理财人员推荐。( )

 (十九)理财人员和客户面谈时,应注意收集客户基本信息及相关财务资料了解客户理财需求,解答客户疑问,并记录谈话内容,做好工作日志。( )

 (二十)工作台面电脑、传票、印章、产品宣传折页、凭证箱清洁、整齐,摆放有序。设置标识牌,并保持清洁、使用正常。( )

 (二十一)对客户在意见簿上的投诉或留言,网点负责人应每周查阅,认真受理,及时(四个工作日)回复。对留有联系方式的,要电话回复客户。( )

 (二十二)对客户向媒体投诉并已带媒体来到网点的,网点负责人要报告上级有关部门,启动应急公关预案,减少或消除负面影响。( )

 四、简答题

 员工在服务客户中,举止仪态主要包括哪些内容?您认为哪项最重要?为什么?

 大堂经理的主要职能是什么?在出现排长对情况时应采取什么措施维护大堂秩序?

 3、封闭式柜台服务区主要服务人员?服务对象及办理业务范围是什么?

 4、开放式柜台服务区主要服务人员?服务对象及办理业务范围是什么?

 5、理财服务区主要服务人员?服务对象及办理业务范围是什么?

 6、您是如何理解“现场客户优先原则”?

 7、开放式柜台员工在向客户介绍投资类产品时应注意哪些事项?

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The Czech high poopThe establishment of government support, multi party participation, rural credit loan guarantee mechanism of market operation.The formation of East and interaction, complementary advantages, mutual promotion and promote common development of the new pattern.I go to uphold and improve the "governor rice bag", in charge of the system, "food basket" the mayor is responsible for the system.The promoting agricultural technology integration, labor process machine, production and management of information technology.The increase of the old revolutionary base areas, minority areas, areas, poor areas development support.The whole city urban and rural social management, promote the reform of the household registration system and relax the small city settled conditions.That the majority of farmers with education, employment, medical care, medical, and housing.The development to help the old, disabled, save the orphans alone, poor relief, as the focus of social welfare and charity.The guides farmers orderly employment, encourage farmers to encourage employment, entrepreneurship support agricultural migrant workers.I go to carry out thorough and wide coverage, basic, multi-level, sustainable principle, accelerate the establishment of rural social security system.There must be in accordance with high yield, high-quality, efficient, ecological, safety requirements, accelerate the transformation of agricultural development mode change.The rapid construction of stable supply, reserves sufficient, effective adjustment, efficient operation of the food safety guarantee system.The real effective implementation of agricultural production, acquisition, processing, storage and transportation, quality safety supervision and responsibility of each link of sales.Allow the farmers to subcontract, lease, exchange, transfer, share cooperation and other forms of flow circulation of land contract and management rights.? To clear objectives, to develop planning, increase investment, focus on the overall strength of the relationship between the Department of the overall situation, the impact of long-term major events.The construction of production development, well-off life wide, rural civilization, clean village, new socialist countryside village and democratic management.According to the step by step, is about to land, intensive development, reasonable arrangement of distribution principle, promote the urbanization healthy development.There must have a clear goal, and planning, increase investment, focus in the power of good relations overall, long-term effects of long event.I go to market demand, technological innovation as a means, quality and efficiency as the goal, to build a modern agricultural industrial system.The reasonable arrangement of county towns, agricultural farmland protection, industrial agglomeration, village distribution, ecological conservation and space layout.According to the individual contributions, collective body grants, requires a combination of government subsidies, the establishment of new rural social endowment insurance system for the old.The gradually realize migrant workers labor remuneration, children's education, public health, housing, and urban residents enjoy the same treatment.The form is conducive to the protection of arable land, water, forest, grassland, wetland, and natural resources and agricultural species resources incentive mechanism.According to the service of farmers, and freedom, equal rights, democratic management, support agricultural farmer cooperatives to accelerate development.According to the property rights, use control system, economical and intensive, the original principle of strict management, further improve the rural land management system.I go to speed up the implementation of grain food production, increase farmers' income, enhance financial coordination, fully mobilize the enthusiasm of local farmers all sorts of grain, to catch food.The agricultural foundation is still weak, the need to strengthen the development of rural areas still lag behind; and most in need of support; farmers income is difficult, the need to speed up.Transfer of the right to land contractual management, shall not change the nature of collective ownership of land, shall not change the land use, shall not harm the interests of farmers' land contract.The product of hundreds of millions of farmers greatly mobilized the enthusiasm, the great liberation and development of rural social productivity, greatly improving the farmers' material and cultural life.I go to establish a fair, just, inclusive and orderly, the new international financial order rank direction, adhere to a comprehensive, are balanced, progressive, principle of effectiveness.The search for new selling points, refined provided a new theme, the development of new products, design new line, add new contents to the Pearl River Delta, Gong consolidate the traditional market, the development of long triangle in emerging markets.The grain grain production, farmers income, farmland protection, environmental governance, harmony and stability as a special place assessment is an important content of the leadership of the county class team performance.I go to speed up the establishment of commercial finance, financial cooperation, the combination of policy finance, capital adequacy, function perfect, perfect service, safe operation of the rural financial system.The innovation system mechanism, strengthen the agricultural infrastructure, increase farmers income, protect the rights and interests of farmers, promoting rural harmony, fully mobilize the enthusiasm of the majority of farmers, initiative, and creativity.The great practice of reform and development of the rural development, Yiyiwan greatly mobilized the enthusiasm of farmers, and the development of the great liberation of productive forces in rural areas, farmers very greatly improve the material and cultural life.The hard truth is to adhere to the development, adhere to grasp the development of the party in governing and rejuvenating the country first, adhere to the economic construction as the center, adhere to the development and reform of methods to solve the problems in the forward.The Chinese will continue to promote the construction of the sustainable development of the world economy, inclusive and orderly in the international financial system, a fair and reasonable international trade system, a fair and effective global development system.I go to the construction of a new socialist countryside as a strategic task to take the road of Ren, modern agricultural modernization Chinese characteristics as the basic direction, and to speed up the formation of a new pattern of urban and rural economic and social development integration as a fundamental requirement.In the revolution, construction and Reform in every historical period, our party adhere to the basic principle of the Marx doctrine with the concrete practice of China, has always been high attention, seriously, to solve the solution of agriculture, rural and farmer problems.The agriculture is the world, strategic industry stability in China people, no agricultural modernization is no national modernization, no rural prosperity and stability there is no national country's prosperity and stability, no comprehensive well-off farmers no national people well-off Kang.I go to ensure national food security, promote the strategic adjustment of agricultural structure adjustment, accelerate the innovation of agricultural science and technology, and strengthen the construction of agricultural infrastructure, the establishment of new agricultural social service system, and promote the sustainable development of agriculture and agriculture to expand opening to the outside world.That should adapt to the agricultural scale, precision, facilities and other requirements, accelerate the development of multi-functional, intelligent, and economic agricultural equipment preparation facilities, focus in the field work, facilities cultivation, aquaculture, intensive processing, storage and transportation and other aspects of preservation has made new progress.The more attention to strengthen and improve macro-control, more attention as reform and opening up and promoting independent innovation, and pay more attention to the adjustment of economic structure and improve the quality of development, pay more attention to saving resources and protect the environment, improve people's livelihood as more attention and promote social harmony.The "11th Five-Year" period, will have to maintain stable and rapid economic development, we must accelerate the transformation of economic growth mode, we must improve the ability of independent innovation, and promote the coordinated development of urban and rural areas must, must strengthen the construction of harmonious society, we must continue to deepen reform and opening up.? In order to accelerate the construction of public service mechanism based on cooperative economic organizations as the base, leading enterprises as the backbone, other social forces as supplement, public services and business services combined, special special services and integrated services to coordinate the new agricultural social service system.The past five years of reform and opening up and the comprehensive construction of a well-off society to have significant progress in five years, is the social production forces and overall national strength significantly increased in 55 years, is the all-round development of social undertakings and people get more affordable for five years, is China's international standing and influence is not definitely improved for five years.I go to speed up the transformation of agricultural development, promote agricultural scientific and technological progress and innovation, strengthen the material and technical equipment of agricultural industry, agricultural industry system, improve land productivity, resource utilization, labor productivity, enhance the anti risk ability of agriculture, international competition ability, the ability of sustainable development.- adhere to industry nurturing agriculture, city support rural and less take free policy, institutional innovation, and strengthen the foundation of agriculture, increase farmer income, safeguard the rights and interests of farmers, promoting agricultural rural harmony, fully mobilize the enthusiasm of farmers, the people's initiative, creativity, promote rural economic and social good and and fast development.Only to put the solution of agriculture, rural areas and farmers to ask questions as the priority among priorities, and adhere to the basic position of agriculture, adhere to the socialist market economy reform direction, adhere to the road of agricultural modernization Chinese characteristics, adhere to the protection of peasants' material interests and democratic rights Lili, in order to liberate and develop rural social solutions productivity.That must be in accordance with high yield, high quality, efficient, ecological, safety requirements, accelerate the transformation of agricultural development, and promote the progress of agricultural science and technology and innovation, strengthen the agricultural material and technical equipment, health and improve the agricultural industrial system, improve the rate of land, resource utilization, labor productivity, enhance the anti risk ability of agriculture and the international competition ability, sustainable development ability.Fan Wenwen: all kinds of documents writing parallel sentences highlightsYibin city part evolved from Highway urban road, only road; it from plain City Road junction, often design does not match, caused a decline in capacity and traffic chaos. Direct contact channel between the lack of network layout for a group significantly affected

 responsibilities, agricultural administrative system coordinated operation.The solution of emancipating the mind, seeking truth from facts, and when all the times, continue to promote rural reform and development.The relevant departments at all levels should further emancipate the mind, deepen the reform of reform, opening up.I go to tell the truth, do practical work, seek practical results, resolutely opposed the formalism and bureaucracy.Leading cadres at all levels should adhere to the right of the people, love the people, and work for the people.The ideological emancipation, adhere to reform and opening up, promote scientific development, promote social harmony.The construction of a faith, dedication dedication, skills, re conduct basic rural grassroots cadres.The comprehensive implementation through Scientific Outlook on Development, uplifting spirit, solid work, forge ahead, pioneering and innovative.I go to the solution to continue emancipating the mind to insist on the implementation of reform and opening, promote scientific development, promote social harmony.The construction of tourism personnel training, introduction, selection, use, management, assessment, evaluation, incentive mechanism and so on.The socialist economic construction, political construction, cultural construction, social construction and Party construction has made new progress.I go Gaga more consciously implement to continue to emancipate the mind persist in reform and opening up, promote scientific development, promote social harmony.In the policy, the Ministry of finance work, put on the work of the whole Party cadres to embody in heavy strategic thinking.- adhere to education, system, supervision, reform, rectification rectification, combination of punishment, to promote rural village construction of punishing and preventing corruption.I go to expand the orderly participation, promote information disclosure, improve business negotiation procedure, strengthen the powers of supervision as the focus, and strengthen the building of grassroots political power.I go to the party construction has become the development of promoting science, led farmers to get rich, close ties with the masses, safeguard the stability of the strong strong core of leadership.The first priority to be more conscious, more firmly grasp the development of the party's affairs, more conscious, more firmly push to promote scientific development.- strengthen the unified leadership of the party committees, government together tube, comprehensive rural work department organization and coordination, relevant departments of agricultural and rural work leadership system and working mechanism.? In the revolution, construction and reform of each historical period, our Party firmly adhere to the basic principle of the Marx doctrine with the concrete practice of China, has always attached great importance to the end, seriously, to solve agriculture, rural and farmers problems.I go to the leadership construction as the focus, improve the party organization as the guarantee, level three, LIAN activities as the carrier, the construction of Party organization has become to promote scientific development, led farmers to get rich in close contact with the masses, strong leadership to maintain stability in rural areas.The majority of Party members, cadres should adhere to the right to use, for the people, love the people, and work for the people, concerned about the sufferings of the masses, listen to their whirring sound, on the wisdom of the masses, to tell the truth, do practical work, seek practical results, resolutely opposed the formalism, bureaucracy, efforts to create tangible in the performance.According to the construction of democracy and the rule of law, fair justice, honesty and friendship, full of life vitality, stability and order, and harmony between man and nature of the socialist harmonious society will be required to correctly handle the contradictions among the people under the new situation, solve the serious concern, the people most directly, the most realistic interests.That I worry we must be prepared, enhanced sense of urgency, and always maintain the Marxism of Marx, the meaning of socialist China characteristics, faith in the great rejuvenation of the Chinese nation Xing; must quit arrogance and rashness, hard work, keep in mind the socialist primary stage of the basic national conditions, for the party and the people's cause of unremitting efforts sure; to study hard, work hard, do not continue to create a stand the practice, people and history of test results; and must strengthen the unity of the overall situation, and consciously maintaining the unity of the whole party, the party to maintain close ties with the masses, Gong Gong solid people of all nationalities unity.The need to consolidate and strengthen the fundamental position of agriculture industry, has always been to solve the problem of population Shishijiyi priority rule in Ampang must safeguard the rights and interests of farmers; and has always been to realize, safeguard and develop

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