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Key Facts: Intermediate Banking Professional Exam

Official Qualification

Governing Bodies

Paper 1 (Mandatory)

Paper 2 (Elective)

Passing Benchmark

Examination Fee

Exam Schedule

Continuing Education

China's national statutory intermediate qualification for banking professionals (中级银行业职业资格 / 中级经济师), evaluating banking laws, NFRA supervision, Basel III capital ratios, credit risk modeling, corporate loan sizing math, NPL workouts, and wealth management regulations.

Sample Intermediate Banking Professional Practice Questions

Try these sample questions to test your Intermediate Banking Professional exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under the 2023 institutional reform of China's financial regulatory architecture, which regulatory body was established to absorb the China Banking and Insurance Regulatory Commission (CBIRC) and assume unified supervision over the financial industry (excluding the securities sector)?

A.Financial Stability and Development Committee (国务院金融稳定发展委员会)

B.National Financial Regulatory Administration (国家金融监督管理总局 / NFRA)

C.China Securities Regulatory Commission (中国证券监督管理委员会 / CSRC)

D.People's Bank of China Financial Supervision Bureau (中国人民银行金融监督管理局)

Explanation: In the 2023 Party and State institutional reform, the National Financial Regulatory Administration (国家金融监督管理总局, NFRA) was established directly under the State Council. It replaced the CBIRC and assumed comprehensive oversight over all financial institutions and consumer protection across the banking, insurance, and financial holding group sectors, while the CSRC remains responsible for securities and futures markets.

2Which monetary policy tool of the People's Bank of China (PBOC) provides medium-term (typically 3-month to 1-year) liquidity to commercial banks against high-grade collateral and serves as the primary policy interest rate benchmark anchoring the Loan Prime Rate (LPR)?

A.Standing Lending Facility (常备借贷便利 / SLF)

B.Medium-term Lending Facility (中期借贷便利 / MLF)

C.Pledged Supplementary Lending (抵押补充贷款 / PSL)

D.Open Market Operations 7-Day Reverse Repo (公开市场7天逆回购)

Explanation: The Medium-term Lending Facility (中期借贷便利, MLF) is the PBOC's primary medium-term structural monetary tool (maturities usually 3 months to 1 year). In China's interest rate transmission mechanism, the 1-year MLF interest rate serves as the direct pricing anchor and cost basis upon which quotation banks submit spreads to formulate the 1-year Loan Prime Rate (LPR).

3How is the Loan Prime Rate (LPR / 贷款市场报价利率) officially determined and published under the PBOC's loan pricing reform mechanism?

A.The PBOC administratively fixes the LPR based on quarterly GDP growth and inflation rates

B.Designated quotation banks submit quotes on the 20th of each month as a spread over the 1-year MLF rate, and the National Interbank Funding Center calculates and publishes the arithmetic trimmed average

C.Commercial banks freely publish their own independent LPRs on their official websites each Monday morning

D.The China Banking Association calculates the weighted average of all commercial bank mortgage lending rates

Explanation: Under the reformed LPR mechanism, a panel of 18 representative quotation banks submits 1-year and 5-year+ quotes on the 20th of each month (or the next business day) based on a spread over the PBOC's 1-year MLF rate. The National Interbank Funding Center (全国银行间同业拆借中心) calculates the trimmed mean by removing the highest and lowest quotes and publishes the official nationwide LPR.

4Under the PRC Commercial Banking Law and prudential banking regulations, what are the statutory maximum credit exposure limits for a commercial bank to a single customer (单一客户) and a single group customer (集团客户), respectively, expressed as a percentage of the bank's net capital (资本净额)?

A.Single customer <= 5%; Group customer <= 10%

B.Single customer <= 10%; Group customer <= 15%

C.Single customer <= 15%; Group customer <= 20%

D.Single customer <= 20%; Group customer <= 25%

Explanation: According to Article 39 of the PRC Commercial Banking Law and NFRA prudential credit concentration guidelines, the credit balance to any single borrower (单一客户) shall not exceed 10% of the commercial bank's net capital, and the total credit exposure to a single group customer (集团客户) shall not exceed 15% of the bank's net capital.

5According to Article 40 of the PRC Commercial Banking Law, which rule strictly applies when a commercial bank extends credit to connected parties (关联方), such as its directors, supervisors, senior executives, and credit officers?

A.The bank may grant unsecured credit (信用贷款) if approved by a two-thirds majority of the Board of Directors

B.The bank is strictly prohibited from granting unsecured credit to connected parties, and the terms of secured loans cannot be more favorable than those for regular borrowers

C.The bank may extend loans to connected parties at discounted interest rates up to 50% below the prime rate

D.Connected party transactions require prior written approval from the State Council and the Ministry of Finance

Explanation: Article 40 of the PRC Commercial Banking Law strictly prohibits commercial banks from granting unsecured loans (信用贷款) to connected parties (directors, supervisors, senior managers, loan officers, and their close relatives or invested enterprises). Furthermore, conditions for secured credit extended to connected parties must not be more favorable than identical loans extended to ordinary borrowers.

6Article 29 of the PRC Commercial Banking Law establishes four statutory principles governing personal savings deposit business. Which of the following correctly identifies these four principles?

A.Voluntary deposit, free withdrawal, interest bearing, and confidentiality for depositors (存款自愿、取款自由、存款有息、为储户保密)

B.Compulsory deposit, locked-in withdrawal, floating interest, and open tax reporting

C.Voluntary deposit, fixed withdrawal window, guaranteed principal, and public disclosure

D.Equal access, government guarantee, variable pricing, and anti-fraud monitoring

Explanation: Article 29 of the PRC Commercial Banking Law explicitly mandates that commercial banks handling personal savings deposits shall adhere to the four basic principles: 'Voluntary deposit, free withdrawal, interest bearing, and confidentiality for depositors' (存款自愿、取款自由、存款有息、为储户保密).

7In the PBOC's Macroprudential Assessment (MPA / 宏观审慎评估) system, commercial banks are evaluated across seven core dimensions. Which combination represents three of these seven official dimensions?

A.Capital and leverage, Asset-liability pricing, and Credit policy execution (资本与杠杆、资产负债定价、信贷政策执行)

B.Stock market turnover, Foreign direct investment, and Tax revenue growth

C.Branch headcount, Marketing expenditure, and Software copyright holdings

D.Corporate bond underwriting, Physical vault security, and Cashier efficiency

Explanation: The PBOC MPA framework assesses banks quarterly across 7 dimensions: (1) Capital and leverage (资本与杠杆), (2) Assets and liabilities (资产负债), (3) Liquidity (流动性), (4) Pricing behavior / Asset-liability pricing (资产负债定价), (5) Asset quality (资产质量), (6) Cross-border risk (跨境业务风险), and (7) Credit policy execution (信贷政策执行).

8Under the PRC Banking Supervision and Regulatory Law, what condition authorizes the banking regulatory authority (NFRA) to take over (接管) a commercial bank or facilitate its institutional restructuring?

A.The bank experiences a net profit decrease of more than 5% compared to the prior fiscal year

B.The bank suffers from a credit crisis or potential credit crisis that severely jeopardizes the legitimate rights and interests of depositors

C.The bank's Tier 2 capital bond coupon exceeds the PBOC benchmark interest rate by 150 basis points

D.The bank fails to open new branches in county-level rural districts for two consecutive years

Explanation: According to Article 38 of the PRC Banking Supervision and Regulatory Law and Article 64 of the Commercial Banking Law, when a commercial bank has experienced or is likely to experience a credit crisis (信用危机), thereby seriously threatening the legitimate rights and interests of depositors, the banking supervisory authority may take over (接管) the bank or facilitate its restructuring.

9Under PBOC Anti-Money Laundering (AML) regulations (Order No. 3), what is the mandatory reporting threshold for a Large-Value Transaction Report (大额交易报告) involving single or cumulative cash deposits, withdrawals, or cash exchanges on personal bank accounts within one business day?

A.RMB 20,000 or foreign currency equivalent of USD 5,000

B.RMB 50,000 or foreign currency equivalent of USD 10,000

C.RMB 100,000 or foreign currency equivalent of USD 20,000

D.RMB 200,000 or foreign currency equivalent of USD 50,000

Explanation: Under PBOC Administrative Measures for Large-Value and Suspicious Transaction Reporting (PBOC Decree No. 3), financial institutions must report any single cash transaction or cumulative cash transactions within a day (including deposits, cash withdrawals, and cash remittances) reaching or exceeding RMB 50,000 (or foreign currency equivalent of USD 10,000).

10Under the PRC Anti-Money Laundering Law, what is the minimum statutory retention period for financial institutions to preserve customer identification information and financial transaction records after the termination of the business relationship or the date of transaction completion?

A.At least 1 year

B.At least 3 years

C.At least 5 years

D.At least 20 years

Explanation: Article 19 of the PRC Anti-Money Laundering Law mandates that financial institutions must keep customer identification documents and account materials for at least 5 years after the termination of the business relationship, and must preserve transaction records for at least 5 years after the completion of the transaction.

About the Intermediate Banking Professional Exam

The Intermediate Banking Professional Qualification Examination (银行业专业人员中级职业资格考试) is China's official national statutory professional title certification for banking and financial sector professionals. Jointly administered by the China Banking Association (CBA) and the Ministry of Human Resources and Social Security (MOHRSS), the examination evaluates candidates on banking laws and regulatory frameworks (PBOC, NFRA, Commercial Banking Law, Anti-Money Laundering, Civil Code), commercial banking operations and corporate governance, Asset-Liability Management (ALM), Basel III capital adequacy ratios (CAR/CET1/AT1/Tier 2), comprehensive risk management (credit, market, operational, liquidity, reputational), corporate credit appraisal and NPL resolution, and personal wealth management compliance under the New Asset Management Rules (资管新规).

Assessment

Paper 1: Banking Laws, Regulations and Comprehensive Ability (银行业法律法规与综合能力 — 中级, 100 pts, 120 mins: single-choice, multiple-choice, and true/false judgment items); Paper 2: Professional Practice Elective (专业实务, 100 pts, 120 mins across 5 specialized electives: Corporate Credit, Personal Wealth Management, Personal Loans, Risk Management, and Bank Management). Candidates must pass Paper 1 and at least one elective paper within a rolling 2-year cumulative cycle.

Time Limit

120 minutes per subject paper (2.0 hours)

Passing Score

60 / 100 points (60%) per subject paper

Exam Fee

RMB 61 per paper (China Banking Association (中国银行业协会 / CBA) & Ministry of Human Resources and Social Security (MOHRSS))

Intermediate Banking Professional Exam Content Outline

20%

banking-legal-and-regulatory-framework

Statutory legal system and supervisory architecture governing banking in China: PBOC mandate and monetary policy instruments (MLF, SLF, LPR reform, RRR), 2023 financial regulatory overhaul establishing the National Financial Regulatory Administration (NFRA / 国家金融监督管理总局), Commercial Banking Law prudential constraints (single customer credit <=10% of net capital, group customer credit <=15%, strict ban on unsecured credit to connected parties, personal deposit four principles), Anti-Money Laundering Law compliance (Large-Value Transaction Reporting thresholds: personal domestic >=500k RMB, cross-border >=200k RMB, cash >=50k RMB; 5-year record retention), Civil Code property security rules (statutory presumption of General Guarantee under Art. 686, beneficium excussionis, floating mortgage crystallization, accounts receivable pledge registration at PBOC Credit Reference Center), and Enterprise Bankruptcy Law liquidation hierarchy.

20%

commercial-banking-operations-and-governance

Operational dynamics, intermediary services, and governance architecture of commercial banks: liability management (demand/time deposits, notice deposits, structured deposits embedded derivatives rules, interbank borrowing maturity <=4 months), asset management, syndicated lending organization (lead bank underwriting retention >=20%/50%), trade finance and intermediary services (letters of credit under UCP 600 independence doctrine, bank acceptance bills, tender/performance/advance payment bank guarantees), Asset-Liability Management (interest rate sensitivity gap, duration gap DG = DA - (L/A)*DL, internal funds transfer pricing FTP dual-curve mechanism), corporate governance ('Three Boards and One Management', special board committees), Three Lines of Defense risk governance model, independent CRO/Compliance reporting, PBOC Green Finance Evaluation Scheme, asset custody statutory asset segregation, and executive compensation deferral (>=40%, 3+ years) and clawback rules.

25%

risk-management-and-basel-framework

Comprehensive risk management principles and Basel III capital adequacy standards under NFRA 2024 Capital Rules: regulatory minimum capital ratios (Core Tier 1 >=5%, Tier 1 >=6%, Total Capital >=8% plus 2.5% conservation buffer), capital structure and deduction items (goodwill, software intangibles, qualifying surplus loan loss provisions), Additional Tier 1 (AT1) perpetual bonds loss absorption triggers, Tier 2 capital sub-debt 5-year straight-line amortization (20%/year), Leverage Ratio (>=4.0%), Liquidity Coverage Ratio (LCR >=100%), Net Stable Funding Ratio (NSFR >=100%), Domestic Systemically Important Banks (D-SIBs) capital surcharges (0.25%-1.50%), Credit Risk Internal Ratings-Based (IRB) parameters (PD, LGD, EAD, Maturity), Expected Loss (EL = PD*LGD*EAD) vs Unexpected Loss (UL), Standardized Approach risk weights, Market Risk Value-at-Risk (VaR) and sensitivities (Delta, Vega, PV01), Operational Risk Business Indicator Component (BIC), comprehensive stress testing (sensitivity, scenario, reverse), and Risk-Adjusted Return on Capital (RAROC).

20%

corporate-credit-and-npl-resolution

Corporate lending origination, customer financial assessment, and non-performing asset workouts: the 5Cs borrower evaluation model, NFRA working capital loan demand sizing formula and turnover days math, corporate financial ratio analysis (Current/Quick ratios, Debt-to-Asset ratio, Interest Coverage Ratio, DuPont decomposition of ROE), Fixed Asset Loan capital fund system (项目资本金制度), entrusted loan regulations and prohibited funding, project finance limited-recourse mechanisms, Five-Tier Loan Classification (Pass, Special Mention, Substandard, Doubtful, Loss), Non-Performing Loan (NPL) ratio, Provision Coverage Ratio (120%-150% benchmark), Loan Provision Ratio (拨贷比), post-lending early warning systems, bad debt write-off accounting ('账销案存'), loan restructuring term extensions and 6-month observation periods, AMC bulk NPL transfers and prohibited buyers, and Real Estate Loan Concentration Management System redlines.

15%

wealth-management-and-personal-banking

Retail banking operations, personal wealth planning, and compliance governance: New Asset Management Rules (资管新规: elimination of rigid redemption, NAV-based pricing, ban on multi-layered nesting >2 layers, prohibition of capital pools), Commercial Bank Wealth Management Subsidiaries (理财子公司 independent legal entity status, zero minimum subscription, direct equity investments), investor suitability matrix (matching C1-C5 client risk profiles with PR1-PR5 product risk tiers), mandatory Dual Recording (双录) audio/video protocols and archiving, family trust legal independence and ¥10 million RMB threshold, Personal Residential Mortgage Loans (Debt-to-Income DTI caps: 50% housing, 55% total debt service), commercial property loans (down payment >=50%, max term 10 years), PBOC personal credit reporting rules (5-year retention period for adverse data from settlement date), mandatory written consent for credit checks, online personal consumer loan limits (¥200,000 RMB cap), and Personal Pension accounts (¥12,000/year cap, tax-deferred EET model).

How to Pass the Intermediate Banking Professional Exam

What You Need to Know

Passing score: 60 / 100 points (60%) per subject paper
Assessment: Paper 1: Banking Laws, Regulations and Comprehensive Ability (银行业法律法规与综合能力 — 中级, 100 pts, 120 mins: single-choice, multiple-choice, and true/false judgment items); Paper 2: Professional Practice Elective (专业实务, 100 pts, 120 mins across 5 specialized electives: Corporate Credit, Personal Wealth Management, Personal Loans, Risk Management, and Bank Management). Candidates must pass Paper 1 and at least one elective paper within a rolling 2-year cumulative cycle.
Time limit: 120 minutes per subject paper (2.0 hours)
Exam fee: RMB 61 per paper

Keys to Passing

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Intermediate Banking Professional Study Tips from Top Performers

1Master Basel III Capital Ratios & Formulas: Memorize minimum CAR (8%), Tier 1 (6%), Core Tier 1 (5%), plus 2.5% conservation buffer, Tier 2 sub-debt 5-year amortization (20%/yr), and calculate Total CAR from capital tiers and RWA.

2Drill the Working Capital Loan Sizing Formula: Practice the NFRA operating working capital formula (AR + Inv + Prepayments - AP - Advance from Customers) and loan quota gap calculation.

3Understand 5-Tier Loan Classification & Coverage Ratios: Master the exact criteria for Pass, Special Mention, Substandard, Doubtful, and Loss, and compute NPL Ratio = (Substandard+Doubtful+Loss)/Gross Loans, Provision Coverage = Provisions/NPLs (120%-150%), and Loan Provision Ratio (拨贷比) = Provisions/Gross Loans.

4Review Civil Code Property & Guarantee Presumptions: Remember that under Civil Code Article 686, unstated guarantee types are legally presumed to be General Guarantees (一般保证), giving the guarantor the defense of beneficium excussionis (先诉抗辩权).

5Internalize New Asset Management Rules (资管新规): Understand the prohibition of rigid redemption, strict limits on multi-layer nesting (max 2 tiers), look-through disclosure, and wealth management subsidiary regulatory privileges.

6Memorize AML and Regulatory Reporting Redlines: Learn the exact thresholds for Large-Value Transaction Reports (Personal domestic >=500k RMB, cross-border >=200k RMB, cash >=50k RMB), 5-year record retention, and single customer credit limits (<=10% net capital).

Frequently Asked Questions

What is the Intermediate Banking Professional Qualification in China?

The Intermediate Banking Professional Qualification (银行业专业人员中级职业资格) is an official state-certified professional title qualification (中级职称 / 中级经济师) administered jointly by the China Banking Association (CBA) and the Ministry of Human Resources and Social Security (MOHRSS). It certifies advanced professional competence for banking practitioners across legal compliance, asset-liability management, risk modeling, credit approval, and wealth advisory services.

What is the examination structure, time limit, and passing score?

Candidates must complete two computer-based examination papers: (1) Banking Laws, Regulations and Comprehensive Ability (银行业法律法规与综合能力 — 中级, 100 points, 120 minutes) and (2) at least one chosen Professional Practice Elective (专业实务, 100 points, 120 minutes across Corporate Credit, Personal Wealth Management, Personal Loans, Risk Management, or Bank Management). The passing score for each paper is 60 points (60%). Scores are valid on a rolling 2-year cumulative cycle.

What are the eligibility requirements to register for the Intermediate Banking exam?

Under CBA and MOHRSS regulations, candidates must meet at least one of the following criteria: (1) Bachelor's degree with at least 3 years of banking/finance work experience; (2) Master's degree with at least 1 year of banking/finance experience; (3) Associate degree (大专) with at least 6 years of banking/finance experience; (4) Doctorate in an economic/financial field; or (5) Having obtained the Junior Banking Professional Qualification Certificate (初级职业资格) for at least 3 years.

What are the core regulatory changes tested on the Intermediate exam?

The examination thoroughly evaluates contemporary regulatory reforms, including: (1) The 2023 financial regulatory overhaul establishing the National Financial Regulatory Administration (NFRA / 国家金融监督管理总局); (2) The 2024 updated Capital Management Rules for Commercial Banks (商业银行资本管理办法) aligning with Basel III; (3) The New Asset Management Rules (资管新规) mandating NAV-based valuation and breaking implicit guarantees; (4) PRC Civil Code provisions regarding guarantees and mortgage registration; and (5) PBOC Macroprudential Assessment (MPA) and LPR interest rate mechanisms.

Why is this OpenExamPrep practice question bank presented in English?

While the official CBA examination is administered in Simplified Chinese, this practice module provides 100 high-yield multiple-choice questions in English designed to build rigorous conceptual, quantitative, and statutory mastery for bilingual financial analysts, international banking professionals, risk officers, and expatriates operating in the Chinese financial sector. It preserves standard Chinese terminology (with dual-language citations) alongside clear English analytical explanations.