Prova banco do brasil 2015 conhecimentos básicos língua portuguesa



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(BANCO DO BRASIL / ESCRITURÁRIO / CESGRANRIO / 2015)
63. Sr. X é concitado por Sr. Y a atuar como avalista em título de crédito no qual Sr. Y é devedor. Dado o alto grau de amizade entre os dois, o ato é praticado. Algum tempo depois, Sr. X recebe comunicação de que pende de pagamento a dívida resultante do aval. Diversas dúvidas acudiram ao avalista que, consultando profissional especializado em títulos de crédito, assentou que o seu dever de pagamento estaria relacionado a

(a) obrigações portadas por devedor, mesmo ilíquidas

(b) cláusulas contratuais estipuladas em desfavor do devedor

(c) títulos de crédito derivados do original

(d) obrigação líquida constante do título

(e) estoque de débito do avalizado junto ao credor




(BANCO DO BRASIL / ESCRITURÁRIO / CESGRANRIO / 2015)
64. Sr. G resolve abrir conta corrente no Banco Y e, para isso, outorga procuração para Sra. H, sua amiga, que se dirige à agência mais próxima para formalizar o ato. Após longos anos de relacionamento exclusivamente com o procurador, o gerente do Banco recebe recomendação dos seus superiores hierárquicos de contatar todos os correntistas representados por terceiros. Diante disso, solicita à Sra. H contato pessoal com Sr. G, o que vem a ser negado, tendo em vista que o titular da conta não mantém relações com estranhos, nessa categoria incluído o gerente de sua conta-corrente.

Diante dessa negativa, é indicado ao gerente o enquadramento da atuação de Sr. G e Sra. H, nos termos da Carta-Circular BACEN no 3.542/2012, no concernente a situações relacionadas com

(a) movimentação de contas

(b) cartões de pagamento

(c) dados cadastrais de clientes

(d) operações de investimento interno

(e) operações de crédito no País





(BANCO DO BRASIL / ESCRITURÁRIO / CESGRANRIO / 2015)
65. O combate à lavagem de dinheiro tem se disseminado no mundo, tendo o rápido desenvolvimento de sofisticadas organizações criminosas que utilizam o sistema financeiro para legitimar as suas atuações originariamente ilícitas. De acordo com a Lei Federal no 9.613/1998, o crime de lavagem, atualmente, caracteriza-se, entre outras ações, por ocultar valores decorrentes de atos consubstanciados como

(a) infrações administrativas

(b) infrações penais

(c) multas mobiliárias

(d) sanções do Banco Central

(e) ilícitos civis




INGLÊS
(BANCO DO BRASIL / ESCRITURÁRIO / CESGRANRIO / 2015)
Cheap, easy credit might have been tempting to young people in the past, but not to today’s millennials. According to a recent survey by Bankrate of over 1,161 consumers, 63% of adults ages 18 to 29 live without a credit card of any kind, and another 23% only carry one card.

The Impact of the Great Recession



Research shows that the environment millennials grew up in might have an impact on their finances. Unlike other generations, millennials lived through economic hardships during a time when their adult lives were beginning. According to the Bureau of Labor Statistics, the Great Recession caused millennials to stray from historic patterns when it comes to purchasing a home and having children, and a fear of credit cards could be another symptom of the economic environment of the times.

And there’s much data when it comes to proving that millennials grew up on shaky economic ground. The Pew Research Center reports that 36% of millennials lived at home with their parents in 2012. Meanwhile, the unemployment rate for people ages 16 to 24 was 14.2% (more than twice the national rate) in early 2014, according to the BLS. With those figures, it’s no wonder that millennials are skittish when it comes to credit cards. It makes sense that young people would be afraid to take on any new forms of debt.

A Generation Plagued with Student Loan Debt

But the Great Recession isn’t the only reason millennials could be fearful of credit. Many experts believe that the nation’s student loan debt level might be related to it. According to the Institute for College Access & Success, 71% of millennials (or 1.3 million students) who graduated from college in 2012 left school with at least some student loan debt, with the average amount owed around $29,400.

With so much debt already under their belts, millennials are worried about adding any credit card debt to the pile. After all, many adults with student loan debt need to make payments for years, and even decades.

How Millennials Can Build Credit Without a Credit Card



The fact that millennials are smart enough to avoid credit card debt is a good thing, but that doesn’t mean the decision has its drawbacks. According to Experian, most adults need a positive credit history in order to qualify for an auto loan or mortgage. Even worse, having no credit history is almost as bad as having a negative credit history in some cases.

Still, there are plenty of ways millennials can build a credit history without a credit card. A few tips:



• Make payments on installment loans on time. Whether it’s a car loan, student loan or personal loan, make sure to mail in those payments on time and pay at least the minimum amount required.

• Put at least one household or utility bill in your name. Paying your utility or household bills on time can help you build a positive credit history.

• Get a secured credit card. Unlike traditional credit cards, the funds secured credit cards offer are backed by money the user deposits. Signing up for a secured card is one way to build a positive credit history without any risk.

The fact that millennials are leery of credit cards is probably a good thing in the long run. After all, not having a credit card is the perfect way to stay out of credit card debt. Even though it might be harder to build a credit history without credit cards, the vast majority of millennials have decided that the plastic just isn’t worth it.

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