The popularity of banking project positions has been very high in recent years, but the recruitment requirements are also very high. So there are very few who can pass the interview. In fact, the technology used in banking projects is no different from other projects, but the business of the financial system is much more complicated than ordinary projects. And during the interview, the interviewer is most concerned about business issues!
Next, let's take a look at some interview questions that are often asked by test engineers recruited for bank projects!
How to measure the automatic transfer of fixed deposits upon maturity?
To know how to test this function, you must first know the rules of automatic dumping.
Taking RMB units as an example (there will also be foreign currency units), if the deposit certificate is not withdrawn on the due date, the current deposit interest will be automatically transferred to the principal, and the same level of listed interest rate announced by the People's Bank of China on the transfer date and the original agreed deposit Period is automatically transferred. No new certificate of deposit will be issued for corporate fixed deposits (including RMB and foreign currency) after automatic transfer.
There are several key points involved here, one is the boundary value of the transfer date, and the other is the calculation method of the principal, deposit term and interest rate after transfer . First of all, check whether the starting date of the transfer and the deposit period after the transfer are calculated according to the regulations, and the second is that the principal after the transfer should be the principal plus interest of the previous period. The interest rate should be the listed interest rate announced by the People's Bank of China on the day of re-deposit, and the deposit amount and deposit period affect the interest rate. Once these key points are clarified, the rest will be fine!
How to measure savings?
There are many classifications of deposits. The more common ones are demand deposits and fixed deposits. Others include agreement deposits and call deposits. Fixed deposits are subdivided into five types:
Lump sum withdrawal
Zero deposit and withdrawal
Whole deposit and zero withdrawal
deposit and interest
two meals a day
Taking current deposits as an example, the minimum requirement for current deposits is 1 yuan, and there is no limit to the deposit period. Customers can deposit and withdraw cash at any time with their bank cards or passbooks and reserved passwords.
The first thing to measure is the boundary value of the initial deposit limit, which is 1 yuan. There is generally a limit to how much you can deposit at one time. There are also changes in the balance after the deposit is completed, and how the interest is calculated. The calculation of demand deposit interest is determined by multiplying the daily interest rate by the daily balance. The interest is usually settled every three months. However, there is no uniform standard for its interest rate. Its interest rate fluctuates around the central bank's benchmark interest rate on the basis of 0.35%, so different banks have different interest rates.
When testing interest settlement, a quick test can be achieved by modifying the background time. Along with the problem of deposits, it is likely to lead to the problem of withdrawals. In addition to the basic rules of the bank, withdrawals must also consider the real-time policies of the country!
How to measure online bank transfer?
There are more rules involved in transfers. Functional tests focus on peer transfers, inter-bank transfers, transfer limits, and illegal account (loss report, locked, frozen) transfers. The safety test point has verification code and password verification. There is also the status monitoring of the other party's account. If the other party's account is abnormal, whether there is a reminder message. Some banks have differences in transfers between different places, which must also be taken into account, as well as the arrival time, these are important test points.
Today I will share these common businesses temporarily, and there are many others to be added later! Friends can pay attention to the official account in time to obtain the latest resources. In fact, the testing business in the direction of banking and finance is the most important. First figure out what types of business there are, and then figure out the rules of these businesses and related calculation methods. I believe that after you understand these contents, a job in the direction of banking and finance is no longer far away from you!
Software Testing Interview Documentation
We must study to find a high-paying job. The following interview questions are the latest interview materials from first-tier Internet companies such as Ali, Tencent, and Byte, and some Byte bosses have given authoritative answers. Finish this set The interview materials believe that everyone can find a satisfactory job.
How to obtain interview documents:
