SACOMBANK
Quiz
•
Information Technology (IT)
•
University
•
Easy
Hạnh Nguyễn
Used 2+ times
FREE Resource
10 questions
Show all answers
1.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What are the main characteristics of lending activities in commercial banks?
Interest rates, fees, and customer service
Repayment, risk, and profitability
Collateral, repayment schedules, and penalties
Duplication, transaction types, and profiles
2.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What is the primary purpose of commercial lending?
To provide financial aid to non-profit organizations
To offer savings accounts to customers
To generate revenue for banks through interest on loans
To provide free financial advice
3.
MULTIPLE CHOICE QUESTION
20 sec • 1 pt
Which of the following best describes short-term loans?
Loans for less than a year, often used for immediate cash needs
Loans with repayment periods of more than five years, often used for large projects
Loans typically repaid in one to five years for business expansion
Loans granted with a predetermined credit limit for ongoing business needs
4.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
How do technologies like AI and RPA impact the lending process?
They eliminate the need for any human interaction during the loan approval process
They slow down the loan approval process by adding complex steps
They restrict customer access to financial information
They automate both the credit review and approval processes, enhancing efficiency
5.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What is a significant advantage of using technology in the lending process at banks in Viet Nam?
It accelerates loan application processing and approval
It enhances data privacy for all customers
It limits access to loans for non-tech-savvy individuals
It removes the need for customer interactions
6.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What concern is associated with automated credit evaluations in the lending process?
They guarantee equal loan access for all applicants
They may result in biased assessments affecting lending opportunities
They eliminate the need for financial assessment altogether
They ensure higher interest rates for all borrowers
7.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What challenge do borrowers face due to the rise of online lending platforms?
Increased understanding of lending terms and conditions
Access to multiple loan options with detailed requirements
Risk of excessive borrowing due to a lack of knowledge
Improved security measures for sensitive information
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