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1、单项选择题（共85题，每题4分，共计340分。正确选项只有一个，选对得分，选错、不选均不得分。）下列哪项不属于消费者权益保护工作的“预防为先”原则？（）·A、将消费者权益保护作为市场准入审批的必要条件，督促银行业金融机构在产品、服务设计和审批之初，将消费者权益保护的条款预设其中·B、在消费者购买产品和接受服务之前，主动践行告知义务，实事求是地加强事先宣传讲解和风险提示·C、在开展营销时，严格按照消费者权益保护条款规范销售活动·D、针对不同的产品和服务种类，主动做好宣传讲解，通过提升消费者金融意识和金融素质主动化解矛盾按照交易性质，个人外汇业务区分为（）。·A、境内与境外个人外汇业务·B
2、、经常项目与资本项目个人外汇业务·C、经常项目和转移支付个人外汇业务·D、转移支付和资本项目个人外汇业务银监会及其派出机构应当在（）等各个监管环节充分体现、落实银行业消费者权益保护工作的理念和要求。·A、市场准入、产品和服务推出、售后服务·B、评估评价、产品和服务推出、现场检查·C、市场准入、非现场监管、现场检查toacustomerrequestforobjective,comprehensiveinvestigation,analysis,evaluation,focusingonfactorsthatcouldaffectcreditassets,effectiveidentif
3、icationofrisks.EighthinvestigatorsshouldbebasedontheBank'screditpolicyscreening,filterinlinewiththeBank'screditscopeofcustomer,creditbusiness,shallnotentertainourprohibitionofinvolvementofclientsandcreditbusiness.Ninethsurveyaboutcustomersurveysanddataverificationshouldbebasedonfieldsurveys,andi
4、ndirectsurveysasasupplement.Ifnecessary,byexternalcreditBureautoverifytheauthenticityofcustomerinformation.Articletenthcreditpre-loaninvestigationshouldbecompletedbythepersonhimself,maynotauthorizeathirdparty,exceptwhereotherwiseprovidedforbythesystemoftheBank.BranchManagermayhint,instruction,or
5、dersignatureofinvestigationsincasesthatarenotinvolvedintheinvestigation,pre-loaninvestigationamereformality.11thpre-loaninvestigationshouldbetwoparticipants,oneperson,anotherpersonaidedperson,exceptonbusinesswithspecialprovisions.Mainandauxiliaryofficersshallbeduediligence,investigatorsasasponso
6、rofthecreditbusiness,bearprimaryresponsibilityforcredit,istheresponsibilityofcreditbusiness.Riskmanagersparticipateinthepre-loaninvestigationworkinparallel,asadoubleinvestigation,riskmanagersheldaccountablefortheirfindings.Article12thpre-loaninvestigationofficershallgivetheiropinioninacreditrepo
7、rtandsignatures,findingsshouldbeclear.Onlysignedcomments,andambiguousorcontradictory,deemedtobeagreedforthecreditbusiness.13thmarketinglinesmanagementdepartmentsatalllevelstomeettheconditionsofcredit·D、评估评价、非现场监管、售后服务消费者凭《正在
