商业银行管理彼得S.罗斯英文原书第8版 英语试题库Chap001

Chapter 1

An Overview of the Changing Financial-Services Sector

Fill in the Blank Questions

1._______________________ is a traditional service provided by banks in which the banks store

the valuables of their customers and certify their true value.

Answer: Safekeeping of valuables

2.The fact that financial institutions make loans based on confidential information is the

_______________________ theory of banking.

Answer: delegated monitoring

3._______________________ refers to when a financial institution trades one form of currency for

another. An example of this would be when the bank trades dollars for yen for a fee.

Answer: currency exchange

4.A(n) _______________________ is a traditional service which permits a depositor to write a

draft （汇票）in payment for goods and services.

Answer: demand deposit (checking account)

5._______________________ is a service provided by banks where the bank lends money to

individuals for the purchase of durable and other goods.

Answer: Consumer lending

6.The _______________________ of a bank is a traditional service where the bank manages the

financial affairs and property of individuals (and in some cases businesses).

Answer: trust services

https://www.wendangku.net/doc/49305155.html,panies such as Merrill Lynch and Sears which offered some but not all banking services in

the 1980s were called _______________________.

Answer: nonbank banks

8.The loosening of government regulation and control of financial institutions is called

_______________________.

Answer: deregulation

9.___________________________ is an alternative to lending in which the financial institution

purchases the equipment and rents it to its customers.

Answer: Equipment leasing services

10.The___________________________ is a landmark act which allows financial service providers

to offer an expanded menu of financial services for the customer. This law allows banks to truly become conglomerate financial service providers.

Answer: Financial Services Modernization Act (Gramm-Leach-Bliley Act)

11.The country with the most banks is _______________________.

Answer: United States

12.According to Congress a ____________ is defined as any institution that can qualify for deposit

insurance administered by the FDIC.

Answer: Bank

13. A bank which spans regions, nations, and continents, offering the widest menu of financial

services is known as a __________bank.

Answer: money-center bank

14._____________ refers to the movement of businesses across industry lines in order to broaden its

base.

Answer: Convergence

15.Banks which serve primarily households and small firms are known as ____________ banks.

Answer: retail

16.Banks that sell deposits and make loans to businesses and individuals are known as ______banks.

Answer: commercial

17.Banks which underwrite issues of new securities for their corporate customers are known as

________ banks.

Answer: investment

18.Banks which function under a federal charter through the Comptroller (审计署)of the Currency in

the United States are known as ____________ banks.

Answer: National

19.Banks which supply both debt and equity capital to businesses are known as _________ banks.

Answer: merchant（商人）

20. A bank that offers its services only over the internet is known as a(n) .

Answer: virtual bank（虚拟银行）

21.When a local merchant sells the accounts receivables they hold against their customer to a bank

this generally known as .

Answer: discounting commercial notes

22.A(n) offers loans to commercial enterprises (such as appliance

dealers) or to individuals using funds borrowed in the open market or from other financial

institutions. Examples of this type of financial service provider include GMAC Financial

Services and Household Finance.

Answer: finance company

23.A(n) buys and sells securities on behalf of their customers and for

their own accounts. Examples of this type of financial service provider include Merrill Lynch

and Charles Schwab.

Answer: security broker (or dealer)

24.A(n) sells shares mainly to upscale investors in a broad

group of different kinds of assets including nontraditional investments in commodities, real

estate, loans to ailing companies and other risky assets.

Answer: hedge fund

25.When a bank agrees to handle the cash collections and disbursements for a company and invest

any temporary cash surpluses in interest bearing assets, they are providing services to their customers.

Answer: cash management

True/False Questions

T F26.Under U.S. federal law, an institution making only loans to households a nd offering uninsured checkable deposits and savings deposits qualifies as a commercial bank.

Answer: False

T F27.Nonbank banks can offer deposits to the public, but these deposits are not eligible（合适的） for insurance coverage by the FDIC.

Answer: False

T F28.The etymological roots of the word "bank" trace this word back to an Italian term referring to a "money-changer's table".

Answer: True

T F29.According to the textbook, banks are those financial institutions that today offer the widest range of financial services of any business firm in the economy.

Answer: True

T F30.According to the delegated monitoring theory banks are able to attract borrowing customers because they pledge confidentiality.

Answer: True

T F31.Managing the financial affairs and property of individuals and business firms falls under the type of banking service line known as cash management services.

Answer: False

T F32.The role performed by banks in the economy in which they transform savings into credit is known as the intermediation role.

Answer: True

T F33.The role performed by banks in which they stand behind their customers when those customers are unable to pay a debt obligation is known as the guarantor role.

Answer: True

T F34.When banks serve as conduits（中转机构） for government policy this is referred to as their agency role.

Answer: False

T F35.According to the textbook, high-volume banking is required to make efficient use of automation and other technological innovations.

Answer: True

T F36.The number of independently owned banks has risen in the United States over the last decade.

Answer: False

T F37.Money-center banks usually service local communities, towns, and cities, offering a narrow menu of services to the public.

Answer: False

T F38. A greater proportion of major corporations have deserted the banking system in recent years to raise borrowed funds directly from the open market.

Answer: True

T F39.The recent erosion of the banking market share relative to other financial institutions means that banking is a dying industry.

Answer: False

T F40.Lending institutions act as delegated monitors and can diversify and reduce their risk exposure, resulting in increased safety for savers’ funds.

Answer: True

T F41.Current theory suggests that banks exist because of imperfections in our financial system.

Answer: True

T F42.Today U.S. banks account for approximately fifty percent of the largest banks in the world.

Answer: False

T F43.According to the textbook, traditional banking may be on the decline.

Answer: True

T F44.Convergence refers to the fact that the number of bank mergers has increased in recent years.

Answer: False

T F45.Banks which offer virtually all financial services are known as universal banks（综合银行）.

Answer: True

T F46.Life insurance companies, securities firms, and mortgage（抵押） companies all compete with the traditional bank.

Answer: True

Multiple Choice Questions

47.In the United States a commercial bank qualifies as a "bank" under federal law if it offers:

A)Consumer installment loans, CDs

B)Savings deposits, commercial loans

C)Checking accounts, commercial loans

D)Security investments, inventory loans to business customers

E)Commercial deposit accounts, consumer savings plans

Answer: C

48. E. F. Hutton, J.C. Penney, and Sears Roebuck are among leading firms that in the1980’s

organized competitors with banks that are known as:

A)Nonbank Banks

B)Discount Security Brokerage Companies

C)Money Market Funds

D)Finance Companies

E)Investment Banking Units

Answer: A

49. A study of history shows that one of the first services offered by banks was:

A)Equipment Leasing

B)Currency Exchange

C)Security Brokerage and Underwriting

D)Sale of Real Estate

E)None of the above

Answer: B

50.Banks perform the indispensable task of:

A)Creating money without making loan.

B)Absorbing the excess liquidity created by other financial institutions

C)Intermediating between surplus-spending individuals or institutions and deficit-spending

individuals or institutions

D)Issuing risky deposits

E)None of the above

Answer: C

51.The view that depositors hire banks to analyze the financial condition of prospective borrowers

and continually evaluate the condition of outstanding loans is referred to as:

A)Delegated monitoring

B)The concept of financial intermediation

C)The liquidity function in banking

D)Market imperfection theory

E)The efficiency contribution of banking

Answer: A

52. Which of the following has been an important trend regarding consolidation and geographic

expansion in banks?

A)Increased bank branching activity

B)The formation of more holding companies to purchase smaller banks

C)Mergers among some of the largest banks in the industry

D) A and C above

E)All of the above.

Answer: E

53.Included among leading structural trends in the U.S. banking industry in recent years are:

A)The number of independently owned banks has declined

B)The average size of individual banking firms has increased

C)Entry across state lines from neighboring states has increased

D) A and B only

E)All of the above.

Answer: E

54.Smaller, locally focused commercial and savings banks that offer narrower but more personalized

menu of financial services are known as:

A)Money center banks

B)Community banks

C)Mutual Funds

D) State banks

E)Fringe banks.

Answer: B

55.The banking services that includes executing buy and sell orders for security trading customers

and marketing new securities to raise funds for corporations and other institutions is referred to:

A)Comprehensive Packaging

B)Wrap-around Accounts

C)Investment Banking

D)Professional Banking

E)None of the above.

Answer: C

56. A bank that wires funds for the purchase of a beach house in South Carolina for a customer in

Oklahoma is carrying out the __________ of banks.

A)The intermediation role

B)The payment role

C)The guarantor role

D)The agency role

E)The policy role

Answer: B

57.Examples of imperfections in the financial system which allow banks to exist include which of

the following?

A)Informational asymmetry

B)Efficiency of markets

C)All individuals and businesses have full information about all investment opportunities.

D)All individuals and businesses have no difficulty meeting their liquidity needs on their own.

E)All of the above are examples of the imperfections that exist.

Answer: A

58. A bank which manages the investment portfolio and pays the bills of an elderly customer who is

unable to do it for him or herself is carrying out the __________ of banks.

A)The intermediation role

B)The payment role

C)The guarantor role

D)The agency role

E)The policy role

Answer: D

59.Which of the following is a trend that has affected all banks today?

A)Increased isolation of banks in the U.S.

B)Decreased competition from other financial institutions

C)Decreased amount of services provided by modern banks

D)Rising funding costs

E)Increased regulations

Answer: D

60.Which of the following is not a current trend in the banking industry?

A)The number of banks is declining

B)The number of bank branches is declining

C)The number of bank services is increasing

D)The number of bank competitors is increasing

E)Bank industry convergence

Answer: B

61.Which of the following types of banks would most likely offer the largest number of financial

services?

A) A retail bank

B) A community bank

C) A commercial bank

D) A universal bank

E)An international bank

Answer: D

62.The phenomenon of convergence refers to:

A)Financial service firms expanding into other product lines

B)Firms reducing their product lines

C)Bank merger activity

D)Globalization in banking

E)Technological innovation in banking

Answer: A

63.Bank equipment leasing activity involves:

A) A bank leasing its office facilities instead of buying

B) A bank buying equipment and then leasing the item to a customer

C) A customer buying equipment and then leasing it to a bank

D) A bank leasing computer equipment

E)None of the above

Answer: B

64.Wholesale banks are those banks that:

A)Sell at a discount relative to all commercial banks

B)Only make loans to the wholesale industry

C)Lend almost exclusively to farmers

D)Are large banks which serve corporations and government

E)Have only retail customers

Answer: D

65.Jonathan Robbins has an account in a bank that does not have a physical branch. Jonathan does

all of his banking business over the internet. What type of bank does Jonathan have his account at?

A) Virtual Bank

B) Mortgage Bank

C) Community Bank

D) Affiliated Bank

E) None of the above

Answer: A

66.The Edmond National Bank serves only the City of Edmond, Oklahoma and concentrates on

providing the best possible service to this city. What type of bank is this most likely to be?

A) Virtual Bank

B) Mortgage Bank

C) Community Bank（社区银行）

D) Affiliated Bank

E) None of the above

Answer: C

67.The Charleston Southern Bank makes loans for families to purchase new and existing homes but

does not take deposits. What type of bank is this most likely to be?

A) Virtual Bank

B) Mortgage Bank

C) Community Bank

D) Affiliated Bank

E) None of the above

Answer: B

68.Which of the following is considered a fringe bank?

A) Community Bank

B) Wholesale Bank

C) Merchant Bank

D) Payday Lender

E) None of the above

Answer: D

69.During the middle ages, banks encountered religious opposition because:

A) Loans to the poor often carried high interest rates

B) Loans and deposits were primarily for wealthy customers

C) The Industrial Revolution demanded new methods of making payments and obtaining credit

D) Savings and wealth were lost due to war, theft and expropriation by governments

E) All of the above

Answer: A

70.Religious opposition decreased during the Renaissance because:

A) Loans to the poor often carried high interest rates

B) Loans and deposits were primarily for wealthy customers

C) The Industrial Revolution demanded new methods of making payments and obtaining credit

D) Savings and wealth were lost due to war, theft and expropriation by governments

E) All of the above

Answer: B

71.Banks like the Medici Bank in Italy and the Hochstetter Bank in Germany were successful

because and they responded well to these new needs.

A) Loans to the poor often carried high interest rates

B) Loans and deposits were primarily for wealthy customers

C) The Industrial Revolution demanded new methods of making payments and obtaining credit

D) Savings and wealth were lost due to war, theft and expropriation by governments

E) All of the above

Answer: C

72.Early European banks were places for safekeeping of wealth because:

A) Loans to the poor often carried high interest rates

B) Loans and deposits were primarily for wealthy customers

C) The industrial revolution demanded new methods of making payments and obtaining credit

D) Savings and wealth were lost due to war, theft and expropriation by governments

E) All of the above

Answer: D

73.The U.S. government wants to prevent money laundering by drug cartels. To promote this goal,

they have asked banks to report any cash deposits greater than $10,000 to the government.

Which of the following roles is the bank performing?

A) The intermediation role

B) The payment role

C) The risk management role

D) The guarantor role

E) The policy role

Answer: E

74.The Edmond Wine and Cheese shop wants to buy 30 cases of French Champagne on credit.

Bank of America writes a letter of credit stating that the Edmond Wine and Cheese shop is a good risk and that if they do not pay off the loan, Bank of America will. Which of the following roles is the bank performing?

A) The intermediation role

B) The payment role

C) The risk management role

D) The guarantor（保证人） role

E) The policy role

Answer: D

75.Alexander Phua goes to his local bank and gets an insurance policy that protects him against loss

in case he is in a car accident. Which of the following roles is the bank performing?

A) The intermediation role

B) The payment role

C) The risk management role

D) The guarantor role

E) The policy role

Answer: C

76.Chris Jones gets a cashier’s check from Wachovia Bank to make his down payment on a new

home. Which of the following roles is the bank performing?

A) The intermediation role

B) The payment role

C) The risk management role

D) The guarantor role

E) The policy role

Answer: B

77.The Bank, N.A. accepts deposits from thousands of individuals and lends that money to (among

others) the Stillwater Body Shop to expand their work bays. Which of the following roles is the bank performing?

A) The intermediation（仲裁） role

B) The payment role

C) The risk management role

D) The guarantor role

E) The policy role

Answer: A

78.Major trends affecting the performance of financial firms today include all of these except:

A) Greater product-line diversification

B) Reduced branching

C) Geographic diversification

D) Convergence

E) Increasing automation

Answer: B

79.The First National Bank of Lakeland makes risky loans to business to expand and grow their

businesses while at the same time accepting funds into checking accounts that are insured by the FDIC. Which of the following services is this bank offering to their customers?

A) Risky arbitrage services

B) Liquidity services

C) Ability of the bank to evaluate information

D) Divisibility of money services

E) Credit services

Answer: A

80.Jonathan Wynn knows that if he wanted to purchase a Treasury Bill, the minimum amount he

would spend would be close to $10,000. He also knows that he could deposit $1,000 in a money market deposit account at a bank and earn about the same rate of interest. Jonathan does not have $10,000 to invest in a Treasury Bill. If Jonathan puts his money in the bank, which service that a bank can provide is he taking advantage of?

A) Risky arbitrage services

B) Liquidity services

C) Ability of the bank to evaluate information

D) Divisibility of money services

E) Credit services

Answer: D

81.Nick Rodr gets a loan from the First State Bank of Guthrie to purchase a new refrigerator（冰箱）

for his condo. What service that a bank provides is he taking advantage of?

A) Risky arbitrage services

B) Liquidity services

C) Ability of a bank to evaluate information

D) Divisibility of money services

E) Credit services

Answer: E

82.Drew Davis goes to his local bank to get help developing a financial plan and making investment

decisions. Which of the more recent services banks offer is Drew taking advantage of?

A) Getting a consumer loan

B) Getting financial advice

C) Managing cash

D) Getting venture capital services

E) Buying a retirement plan

Answer: B

83.The Bartholemew Bakery receives a lot of payments in cash. They deposit it in their local bank

who invests the money in an interest bearing account until it is needed to pay bills. Which of the financial services banks offer is the Bartholemew bakery taking advantage of?

A) Getting a consumer loan

B) Getting financial advice

C) Managing cash

D) Getting venture capital services

E) Buying a retirement plan

Answer: C

84.MyWebCast is a new company that makes it easy for individuals to create streaming videos on

the internet to share with friends and family for a small fee. MyWebCast wants to expand their offerings of video streaming services but needs cash to be able to do this. The Second National Bank of Oklahoma City, through a subsidiary, gives them the cash they need for an ownership share in the company. Which of the more recent services that banks offer is MyWebCast taking advantange of?

A) Getting a consumer loan

B) Getting financial advice

C) Managing cash

D) Getting venture capital services

E) Buying a retirement plan

Answer: D

85.Chandriga Suppiah has opened a Roth IRA with North Carolina State Bank and plans on making

regular contributions to this account until she retires. Which of the financial services is

Chandriga taking advantage of?

A) Getting a consumer loan

B) Getting financial advice

C) Managing cash

D) Getting venture capital services

E) Buying a retirement plan

Answer: E

86.Banks with less than ___________in assets are generally called community banks.

A)More than $1 billion

B)Less than $1 billion

C)More than $10 billion

D)Less than $1 trillion

E)More than $1 trillion

Answer: B

87.The principal functions and services offered by many financial-service firms today include:

A) Lending and investing money

B) Making payments of behalf of customers to facilitate their purchases of goods and services

C) Managing and protecting customers’ cash and other property

D) Assisting customers in raising and investing funds profitably

E) All of the above

Answer: E

88.Which of the following is considered a depository financial institution?

A)Mortgage company

B)Mutual fund

C)Savings and Loan associations

D)Federal Reserve

E)Insurance company

Answer: C

89.Which of the following is not a purpose of bank regulation:

A)Guarantee minimal profitability of the banking system（保证银行体系的最低利润）

B)Provide monetary stability

C)Ensure safety and soundness of banks

D)Provide competitive financial system

E)Protect consumers from abuses by banks

Answer: A

90.During the financial crisis of 2007-2009, the collapse of Lehman Brothers and the bailout of Bear

Stearns reaffirmed the importance of the fundamental principle of:

A) Superior management

B) Globalization

C) Government bailout

D) Regulatory arbitrage

E) Public trust and confidence in the system

Answer: E

商业银行经营管理试题及答案

中国海洋大学命题专用纸（夜大学/函授）

B卷试题答案 一、A C C B B B D B D C 二、1．核心资本又叫一级资本和产权资本，是指权益资本和公开储备，它是银行资本的构成部分，是金融机构可以永久使用和支配的自有资金，包括普通股、不可收回的优先股、资本盈余、留存盈余、可转换的资本债券、各种补偿准备金。 2．也称问题贷款，即传统贷款分类中的逾期贷款、呆滞贷款、呆账贷款和新五级分类中的次级、可疑、损失类贷款。 3．超额存款准备金是金融机构存放在中央银行、超出法定存款准备金的部分，主要用于支付清算、头寸调拨或作为资产运用的备用资金。 4．利率敏感资金（Rate-sensitive Fund）：也称浮动利率或可变利率资金，指在一定期间内展期或根据协议按市场利率定期重新定价的资产或负债。 三、简答题 1．商业银行的职能是由它的性质所决定的，主要有四个基本职能。 （1）信用中介职能。是商业银行最基本、最能反映其经营活动特征的职能。这一职能的实质，是通过银行的负债业务，把社会上的各种闲散货币集中到银行里来，再通过资产业务，把它投向经济各部门；商业银行是作为货币资本的贷出者与惜入者的中介人或代表，来实现资本的融通、并从吸收资金的成本与发放贷款利息收入、投资收益的差额中，获取利益收入，形成银行利润。（2）支付中介职能。通过存款在帐户上的转移，代理客户支付，在存款的基础上，为客户兑付现款等，成为工商企业、团体和个人的货币保管者、出纳者和支付代理人。以商业银行为中心，形成经济过程中无始无终的支付链条和债权债务关系。（3）信用创造功能。商业银行是能够吸收各种存款的银行，和用其所吸收的各种存款发放贷款，在支票流通和转帐结算的基础上，贷款又转化为存款，在这种存款不提取现金或不完全提现的基础上，就增加了商业银行的资金来源，最后在整个银行体系，形成数倍于原始存款的派生存款。（4）金融服务职能。现代化的社会生活，从多方面给商业银行提出了金融服务的要求。在强烈的业务竞争权力下，各商业银行也不断开拓服务领域，通过金融服务业务的发展，进一步促进资产负债业务的扩大，并把资产负债业务与金融服务结合起来，开拓新的业务领域。在现代经济生活中，金融服务己成为商业银行的重要职能。 2．（1）安全性（2）流动性（3）盈利性。这些目标有是有商业银行经营管理的基本要求决定的，但目标的实现又实现存在一定的矛盾，应是在保证安全性的基础上，争取利润最大化，而解决安全性与盈利性矛盾的最好选择是提高经营的流动性。 3．证券投资避税组合的考虑原则是：在存在证券投资利息收入税赋差距，从而使两种债券出现税前收益和税后收益不一致时，银行应在投资组合中尽量利用税前收益高的应税证券，使其利息收入抵补融资成本，并使剩余资金全部投资于税后收益率最高的减免税证券上，从而提高证券投资盈利水平。 四、论述题 1、第一支柱——最低资本规定 新协议在第一支柱中考虑了信用风险、市场风险和操作风险，并为计量风险提供了几种备选方案。关于信用风险的计量。新协议提出了两种基本方法。第一种是标准法，第二种是内部评级法。内部评级法又分为初级法和高级法。对于风险管理水平较低一些的银行，新协议建议其采用标准法来计量风险，计算银行资本充足率。 2、第二支柱——监管部门的监督检查 委员会认为，监管当局的监督检查是最低资本规定和市场纪律的重要补充。具体包括：（1）监管当局监督检查的四大原则。原则一：银行应具备与其风险状况相适应的评估总量资本的一整套程序，以及维持资本水平的战略。原则二：监管当局应检查和评价银行内部资本充足率的评估情况及其战略，以及银行监测和确保满足监管资本比率的能力。若对最终结果不满足，监管当局应采取适当的监管措施。原则三：监管当局应希望银行的资本高于最低监管资本比率，并应有能力要求银行持有高于最低标准的资本。原则四：监管当局应争取及早干预从而避免银行的资本低于抵御风险所需的最低水平，如果资本得不到保护或恢复，则需迅速采取补救措施。（2）监管当局检查各项最低标准的遵守情况。银行要披露计算信用及操作风险最低资本的内部方法的特点。作为监管当局检查内容之一，监管当局必须确保上述条件自始至终得以满足。（3）监管当局监督检查的其它内容包括监督检查的透明度以及对换银行帐薄利率风险的处理。 3、第三支柱——市场纪律 委员会强调，市场纪律具有强化资本监管，帮助监管当局提高金融体系安全、稳健的潜在作用。新协议在适用范围、资本构成、风险暴露的评估和管理程序以及资本充足率四个领域制定了更为具体的定量及定性的信息披露内容。监管当局应评价银行的披露体系并采取适当的措施。新协议还将披露划分为核心披露与补充披露。

商业银行管理彼得S.罗斯英文原书第8版 英语试题库Chap010

Chapter 10 The Investment Function in Banking and Financial-Services Management Fill in the Blank Questions 1. A(n) _________________________ is a security issued by the federal government which has less than one year to maturity when it is issued. Answer: Treasury bill 2. Debt instruments issued by cities, states and other political entities and which are exempt from federal taxes are collectively known as _________________________ . Answer: municipal securities 3. The investment maturity strategy which calls for the bank to have one half of its investment portfolio in very short term assets and one half of its investment portfolio in long term assets is known as the _________________________ . Answer: barbell strategy 4. A(n) _________________________ is a security where the interest portion of the security is sold separately from the principal portion of the security. Answer: stripped security 5. _________________________ are the way the federal, state and local governments guarantee the safety of their deposits with banks. Answer: Pledging requirements 6. The most aggressive investment maturity strategy calls for the bank to continually shift the maturities of its securities in responses to changes in interest rates and is called the __________________. Answer: rate expectation strategy 7. _________________________ is the risk that the bank will have to sell part of its investment portfolio before their maturity for a capital loss. Answer: Liquidity risk 8. _________________________ is the risk that the economy of the market area they service may take a down turn in the future. Answer: Business risk

商业银行经营管理期末试题

《商业银行经营管理》形考作业 1 一、名词解释 1、商业银行:商业银行是以吸收公众存款、发放贷款、办理结算为主要业务的企业法人, 是以追求利润最大化为经营目标, 以货币信用业务和综合金融服务为经营对象的综合性、多功能的金融企业。 2、信息披露:信息披露是指商业银行依法将反映其经营状况的主要信息, 如财务会计报告、各类风险管理状况、公司治理、年度重大事项等真实、准确、及 时、完整地向投资者、存款人及相关利益人予以公开的过程。 3、存款保险制度:存款保险制度是保护存款人的利益、稳定金融体系的事后补救措施。它要求商业银行将其吸收的存款按照一定的保险费率向存款保险机构投保, 当商业银行经营破产不能支付存款时,由存款保险机构代为支付法定数额的保险金。 4、抵押贷款:抵押贷款是指按照《中华人民共和国担保法》规定的保证方式以借款人或第三人的财产作为抵押物发放的贷款。 5、贷款风险分类:贷款风险分类又称为贷款五级分类,是指商业银行按照借款 人的最终偿还贷款本金和利息的实际能力, 确定贷款的遭受损失的风险程度, 将贷 款质量分为正常、关注、次级、可疑和损失五类的一种管理方法,其中后三类被称为不良资产。 6、分级授权:分级授权是商业银行进行贷款业务活动时应当遵循的基本原则之一,是指在统一法人管理体制下,总行、一级分行、二级分行逐级向下授权和转授权, 下级行必须在上级行的授权范围内和权限内从事信贷业务,超过权限必须向上级行审批。

7、不良贷款:不良贷款是指借款人未能按照原定的贷款协议按时偿还商业银行的贷款本息, 或者已有迹象表明借款人不可能按照原定的贷款协议按时偿还商业银行的贷款本息而形成的贷款。 8、信贷资产证券化:信贷资产证券化是指将缺乏流动性但又具有未来现金流的信贷资产集中起来, 进行结构性重组, 将其转变为可以在金融市场上进行流通的证券, 据以融通资金的过程。 二、判断正误并说明理由 1、商业银行具有信用创造功能,其信用创造有一定的限度。 正确 2、按照目前的法律规定,中国公民可以成为商业银行的股东。 正确 3、我国商业银行的分支机构不具有法人资格。 正确 4、目前我国的商业银行资产业务中,占绝对比重的是贷款和证券投资。 正确 5、银行从事股票投资业务是其证券投资业务的重要内容之一。 错误 , 因为目前我国商业银行从事证券投仅限于政府债券和金融债券,并不从事股票投资业务。 + 三、简述题 1、政府对商业银行实施监管德望目标和原则是什么?

商业银行经营与管理-商业银行经营与管理考试试题及答案

武汉理工大学教务处 试题标准答案及评分标准用纸 | 课程名称商业银行经营与管理（B 卷） | 一. 单选题（10分＝10Χ1） 装 | 二. 判断题（15分＝15Χ1） | 11.错12.错13.错14.对15.对16.对17.错18.对 | 19.错20.对21.对22.错23.对24.错25.对 | 三.名词解释（30分＝10Χ3） 26.商业银行以追求最大利润为目标，以经营金融资产和负债为对象的特殊的企业。 钉27. 一级准备主要包括库存现金、在央行的存款、同业存款及托收中的现金等项目。 | 28. 资本准备金又可称作资本储备，是指商业银行从留存盈余中专门划出来的，用于应付即将发生的有关股本的重大事件的基金。 | 29. 银行的资本充足性主要指银行资本的数量足以吸收可能发生的意外损失，使银行在遭遇风险损失时不致破产。 | 30. 回购协议也称再回购协议，指的是商业银行在出售证券等金融资产时签订协议，约定在一定期限后按原定价格或约定价格购回所卖证券，以获得即时可用资金；协议期满时，再以即时可用资金作相反交易。 | 31.可转让大额定期存单简称CD，是一种流通性较高且具借款色彩的新型定期存款形式。大额可转让定期存单是商业银行逃避最高利率管制和存款准备金规定的手段，亦是银行对相对市场份额下降所做出的竞争性反应。 | 32.存放同业存款商业银行存放在代理行和相关银行的存款。目的是为了便于银行在同业之间开展代理业务和结算收付。 线33. 银行证券投资银行在其经营活动中，把资金投放在各种长短期不同的证券，以实现资产的收益和保持相应的流动性。 | 34. 贷款指商业银行作为贷款人按照一定的贷款原则和政策，以还本付息为条件，将一定数量的货币资金提供给借款人使用的一种借贷行为。格（即兑现价格）等，投资者到期可以选择转换股票 也可以选择不转换。 | 35.担保贷款银行要求借款人根据规定的担保方式提供贷款担保而发放的贷款。 四. 简答题（25分） 36．商业银行的经营原则有哪些（6分） 答：商业银行在其经营管理过程中应遵循“安全性、流动性、盈利性”三原则： （1）安全性原则是指商业银行应努力避免各种不确定因素对它的影响，保证商业银 行的稳健经营和发展。（2分） （2）流动性是指商业银行能够随时满足客户提现和必要的贷款需求的支付能力，包 括资产的流动性和负债的流动性两重含义。

商业银行管理彼得S.罗斯英文原书第8版英语试题库Chap003

Chapter 3 The Organization and Structure of Banking and the Financial-Services Industry Fill in the Blank Questions 1.A(n) ___________________ is a machine located at the merchant's place of business which allows depositors to use their debit card to pay for purchases directly. Answer: POS 2.A(n) ____________________ is a bank which offers its full range of services from several locations. Answer: branch bank 3.A(n) ____________________ is a bank which offers its full range of services from only one location. Answer: unit bank 4.A(n)________________________ is a corporation chartered for the express purpose of holding the stock of one or more banks. Answer: Bank Holding Company 5.Managers who value fringe benefits, plush offices and ample travel budgets over the pursuit of maximum returns for stockholders are exhibiting signs of ______ . Answer: Expense Preference Behavior 6.A(n) _______________________ can invest in corporate stock as sell as loan money to help finance the start of new ventures or support the expansion of existing businesses. Answer: Merchant bank 7. A bank which operates exclusively over the internet is known as a _bank. Answer: Virtual 8.One new 21st century bank organizational structures is _____________ . This is a special type of holding company that may offer the broadest range of financial

(完整word版)商业银行经营管理期末模拟考试题一

《商业银行经营管理》综合测试一 一、单选题（在每小题的四个备选答案中选出一个正确的答案，并将正确答案的号码填在题干的括号内。每小题1分，共10 分） （）１、银行业务营运的起点和前提条件是： A．自有资本B．负债业务C．资产业务D．贷款业务 （）2、________的成立，标志着资本主义商业银行的诞生。 Ａ．英格兰银行Ｂ．威尼斯银行C．圣乔治银行D．阿姆斯特丹银行 （）3、在下列几种通过外部融资扩充银行资本的方法中，对普通股每股收益影响最小的是： A．发行普通股B．发行优先股C．发行资本性长期债券D．发行可转换债券 （）4、商业银行最主要的盈利性资金运用是： A．同业存款B．短期国库券C．贷款D．长期证券 （）5、借款人的还款能力出现了明显的问题，依靠其正常经营收入已无法保证足额偿还本息的贷款是： A．损失类贷款B．可疑类贷款C．次级类贷款D．关注类贷款 （）6、定活两便存款利率一般参照整存整取存款利率打________折计息。 A．4 B．5 C．6 D．7 （）7、决定商业银行资产规模的基础是： A．比例规模B．资产结构C．银行资本D．负债业务 （）8、中国人民银行全面推行资产负债比例管理和风险管理始于： A．1996年B．1997年C．1998年D．1999年 （）9、通常把商业银行库存现金与在中央银行的超额准备金之和称为： A．可用头寸B．基础头寸C．可贷头寸D．超额头寸 （）10、一家银行的资产是100万元，资产收益率是1%，其杠杆比率是4，该银行的资本收益率为：A．1% B．4% C．5% D．10% 二、多选题（在每小题的备选答案中选出二个或二个以上正确的答案，并将正确答案的号码填在题干的括号内。正确答案未选全或有选错的，该小题无分。每小题2分，共16分） （）1、下列业务活动中引起银行现金流入增加的有： A．利息支付B．同业拆入资金C．兑付大额可转让存单D．发行债券 （）2、下列属商业银行非存款性的资金来源主要有： A．拆出资金B．再贷款C．再贴现D．发行债券 （）3、商业银行现金资产管理应坚持的基本原则有： A．成本最低原则B．安全性原则C．适时流量调节原则D．适时存量控制原则 （）4、下列________项目属于商业银行的附属资本。 A．股本金B．税后留利C．呆帐准备金D．自有房产 （）5、下列属银行表外业务的有： A．担保B．证券承销C．备用信用证D．融资租赁 （）6、商业银行分行制的特点有： A．银行业务多集中于某一行业或地区，风险集中； B．分支机构多，分布广，业务分散； C．银行规模较大，易于采用现代化设备； D．银行内部层次、机构较多，管理困难。 （）7、商业银行不良贷款是指下列哪几类之和： A．损失类贷款B．可疑类贷款C．次级类贷款D．关注类贷款 （）8、通过对商业票据的贴现业务，商业银行可以： A提高资产流动性B．降低资产流动性C．提高负债水平D．降低负债水平 三、判断改错（判断下列每小题的正误。正确的在题后括号内打“√”；错误的打“×”，并予以改正。每小题2 分，共20 分）

商业银行经营管理试题库

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商业银行经营管理试题 一、填空题（每空1分，共10分） 1．在一级法人体制下，只有银行的或才是法 人代表。 2．中小银行或新设立的银行，一般喜欢采用的经营 思想，而老银行或是大银行则偏重于经营思想。 3，衡量银行某种资产的流动性，主要看其转化为现主的 和。 4．商业银行参与外汇交易，除了代理客户进行外汇买卖 以外，还有另外两个主要动机：一是，二是调 整银行外汇。 5．是一国的金融管理和政策制定机构，它的政策效应是通过来传递的。 二、名词解释（每题4分，共20分） 1、贷款五级分类 2、票据的保证 3、项目融资 4、备用信用证 5、市场细分 三、选择题（备选答案只有一个或另一个以上是正确的。 请将正确答案的题号填入括号中。每题2分，共20分） 1、商业银行的最基本的职能是（）。 A支付中介 B信用创造 C金融服务 D信用中介 2、商业银行在进行市场分析时应该注意的是（ ）。 A企业资信状况 B市场竞争状况 C竞争成本 D市场份额 3、下列各项中不能作为贷款抵押物的有（） A交通运输工具 B土地所有权 C房屋 D林本 4、票据背书的效力表现在（）。 A权利转移 B权利证明 C权利高低 D权利担保 5、商业银行向中央银行进行再贴现的最长时间不得超过

（）。 A一个月 B三个月 C四十月 D六个月 6、商业银行资本的主要功能有（）。 A营业功能 B管理功能 C投资功能 D保护功能 7、下列各项业务中属于商业银行表外业务的是（ ）。 A贷款额度 B保证 C期权交易 D票据发行便利 8、可转换理论是一种（）的理论。 9、下列各项指标中属于总量控制指标的是（） A资本充足率 B存货款比例 C单个贷款比例 D拆借资金比例 10、银行把其产品与服务向客户进行报道、宣传以说服和影响他们来使用其产品与服务的活动被称为（）A销售促进 B促销 C公共关系 D广告 四、简答题（每小题6分，共30分） 1、测定一家商业银行现金是否适度时，应从哪几方面进行 测算和观察？ 2、为什么要用信贷资产“五级分类法”代替“一逾两呆”分类 法？ 3、制定资本充足率标准对我国商业银行有何现实意义？ 4、商业银行为什么要参与银团贷款？ 5、商业银行从事的代理业务主要哪些？ 五、论述题（每题10分，共20分） 1、简述商业银行的企业形象战略？ 2、简述同业拆借的特点及原则？

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商业银行业务管理 1999年，美国国会通过的意在取消金融分业经营的法案是：金融服务现代化法案 商业银行发行金融债券的目的是： 银行把资金投放在不同期限的证券上，每一种期限的购买数量相同的投资方法是：梯形期限策略 银行资本的主要功能有哪些：营业功能、保护功能、管理功能 商业银行债券投资的主要对象有：（1）政府债券，包含中央政府债券、政府机构债券、地方政府债券。（2）公司债券，包含抵押债券、信用债券。 商业银行证券投资时会面临什么样的风险？ （1）系统性风险：政策风险、市场风险、利率风险、汇率风险、购买力风险 （2）非系统性风险：信用风险、经营风险、财务风险、流动性风险 我国商业银行贷款价格的主要组成部分有：贷款利率、承诺费、补偿性余额、隐含价格。我国商业银行的短期借款有哪些？ （1）向中央银行借款，主要包括再贴现和再贷款。 （2）同业借款，包含同业拆借、转贴现和转抵押。 （3）回购协议。 （4）国际金融市场借款。 银行产品销售的方式主要有：分支行、自动柜员机、电话银行、网上银行。 分析借款人的长期偿债能力的指标主要有：资产负债率、产权比率、有形净值债务率、利息保障倍数。 不良贷款主要是指：次级、可疑和损失类贷款 名词解释：

核心资本：又叫一级资本，包括股本和公开储备。股本是值已经发行并完全缴足的普通股永久的、非累计性的优先股。公开储备是指通过留存盈余或其他盈余的方式在银行的资产负债表上有明确反映的储备。 商业银行存款负债的种类： （一）以美国为代表的西方国家商业银行的存款负债种类 1.传统存款业务 （1）支票存款，其传统形式是不计息的支票账户 （2）非交易用存款，是指以生息为主要目的，但是不能够签发支票的存款，它主要包括定期粗存款和储蓄存款 2.存款业务创新 （1）支票存款业务的创新。主要包括：有息的可转让支付命令账户、超级可转让的超级支付命令账户、货币市场存款账户、自动转账服务账户（2）定期存款业务的创新。主要有大额可转让定期存单。 （3）储蓄存款业务的创新。主要有个人退休金账户。 （4）其它存款业务的创新。主要有投资账户和现金管理账户。 （二）我国商业银行的存款负债种类 1．我国现有的存款产品主要分为两大类：一是个人存款，二是单位存款。 A:个人存款主要分为人民币储蓄存款和外币储蓄存款 B:单位存款主要分为单位活期存款，单位定期存款，单位协定存款，单位通知存款等

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Chapter 16 Lending Policies and Procedures: Managing Credit Risk Fill in the Blank Questions 1. The______________ is a uniform rating system developed by regulators where banks are given a rating from one to five in each of six categories and an overall rating from one to five. Answer: CAMELS 2. One of the 6 C?s of lending,______________ suggests that the lender must look at the position of the business firm in the industry and the outlook of the industry to evaluate a loan. Answer: condition 3. One of the 6 C?s of lending,______________ suggests that the lender must look to see if the borrower is legally entitled to sign a binding loan agreement. For an individual this entails making sure the borrower is of legal age to sign a contract. Answer: capacity 4. When a bank purchases a whole loan or a piece of a loan from another bank they are purchasing what is known as a____________________________. Answer: participation 5. Loans that have minor weaknesses because the bank has not followed its written loan policy or which have missing documentation are called______________ by regulators. Answer: criticized 6. ____________________________ are loans extended to farmers and ranchers to assist in planting crops, harvesting crops and to support the feeding and care of livestock. Answer: Agriculture loans 7. ____________________________ devote the bulk of their credit portfolio to large-denomination loans to corporations and other businesses and tend to be large banks. Answer: Wholesale lenders 8. ____________________________ are loans which are secured by land buildings and other structures. These loans can be short term construction loans or longer term loans to finance the purchase of homes and apartments among others. Answer: Real estate loans

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1、商业银行：商业银行是以吸收公众存款、发放贷款、办理结算为主要业务的企业法人，是以追求利润最大化为经营目标，以货币信用业务和综合金融服务为经营对象的综合性、多功能的金融企业。 2、存款保险制度：存款保险制度是保护存款人的利益、稳定金融体系的事后补救措施。它要求商业银行将其吸收的存款按照一定的保险费率向存款保险机构投保，当商业银行经营破产不能支付存款时，由存款保险机构代为支付法定数额的保险金。 3、大额可转让定期存单：大额可转让定期存单是银行发行的具有固定期限和一定利率，并且可以转让的金融工具。这种金融工具的发行和流通所形成的市场称为可转让定期存单市场。 4、存款准备金制度：存款准备金是指金融机构为保证客户提取存款和资金清算需要而准备的在中央银行的存款，中央银行要求的存款准备金占其存款总额的比例就是存款准备金率 5、边际存款成本：边际存款成本：指银行增加最后一个单位存款所支付的成本

6、同业拆借：同业拆借是指金融机构(主要是商业银行)之间为了调剂资金余缺，利用资金融通过程的时间差、空间差、行际差来调剂资金而进行的短期借贷。 7、证券回购证券回购是指证券买卖双方在成交同时就约定于未来某一时间以某一价格双方再行反向成交。 8、资金头寸：资金头寸是指商业银行能够运用的资金，它包括时点头寸和时期头寸两种。 9、票据贴现：是一种以票据所有权的有偿转让为前提的约期性资金融通。 10、次级贷款 : 指银行或贷款机构提供给那些信用等级或收入较低、无法达到普通信贷标准的客户的一种贷款。这种贷款通常不需要首付，只是利息会不断提高 11、资产负债管理：资产负债管理是指商业银行在业务经营过程中，对各类资产和负债进行预测、组织、调节和监督的一种经营管理方式，以实现资产负债总量上平衡、结构上合理，从而达到最大盈利的目的。