商业银行管理彼得S.罗斯英文原书第8版 英语试题库Chap011

Chapter 11

Liquidity and Reserves Management: Strategies and Policies

Fill in the Blank Questions

1. A(n) __________________ is an asset which can be converted into cash easily, which has a

relatively stable price and is reversible so that the seller can recover their original investment with little risk of loss.

Answer: liquid asset

2. When a financial institution sells assets to manage liquidity it faces _________________________.

They lose the future earnings on those assets, they face transaction costs on those sales and the

assets most easily sold often have the lowest return.

Answer: opportunity costs

3. _________________________ is when the financial institution borrows money in the money

market to meet their liquidity needs.

Answer: Purchased (borrowed) liquidity

4. The _________________________ is the total difference between its sources and uses of funds.

Answer: liquidity gap

5. _________________________ are the deposits and other borrowings of the bank which are very

interest sensitive or where the bank is sure they will be withdrawn during the current period.

Answer: "Hot money" liabilities

6. The _________________________ is the idea that management should make all good loans and

count on its ability to borrow funds if it does not have the liquidity to meet its cash needs.

Answer: customer relationship doctrine

7. _________________________ are the assets the bank must by law hold behind its deposits. In the

U.S. only vault cash and deposits held with the Federal Reserves can be used to meet these

requirements.

Answer: Legal reserves

8. A(n) _________________________ is the account the bank must have at the Federal Reserve to

cover any checks drawn against the bank.

Answer: clearing balance

9. A(n) _________________________ is a service developed by banks where the bank shifts money

out of accounts with reserve requirements and into savings accounts overnight.

Answer: sweeps account

10. The _________________________ is a 14 day period stretching from a Thursday to a Wednesday.

This is the period in which the bank has to keep their average daily level of required reserves for a particular computation period.

Answer: reserve maintenance period

11. _________________________ is the availability of cash in the amount needed at a reasonable cost.

Answer: Liquidity

12. The oldest approach to meeting liquidity needs which relies on the sale of liquid assets to meet

liquidity demands is called _________________________.

Answer: asset liquidity management

13. Under a _________________________ strategy some of the expected demands for liquidity are

stored in assets, while others are backstopped by arrangements for lines of credit from banks or other suppliers of funds.

Answer: balanced liquidity management

14. A(n) _________________________ is the person in the bank responsible for the bank's cash

position and meeting legal reserve requirements.

Answer: money position manager

15. The method used in the U.S. to determine a bank's legal reserve requirement in which the period for

holding legal reserves follows the period used to calculate the required amount of legal reserves is called _________________________.

Answer: lagged reserve accounting

16. The fed funds rate is generally most volatile on bank __________ day.

Answer: settlement

17. Many depository institutions hold __________ balances (extra reserves) to help prevent overdraft

penalties.

Answer: precautionary

18. Not all _______ banks around the world have reserve requirements.

Answer: central

19.For several decades, the largest banks around the world have chosen which calls

for borrowing immediately spendable funds to cover all anticipated demands for liquidity.

Answer: liability management

20.The approach to managing liquidity starts with two simple facts, liquidity

rises as deposits increase and loans decrease and liquidity falls when deposits fall and loans

increase.

Answer: sources and uses of funds

21.In the approach to managing liquidity deposits and other sources of

funds are divided into categories and then liquidity managers must set aside liquid funds according to some desired operating rule.

Answer: structure of funds

22.Many financial service institutions estimate their liquidity needs based upon experience and

industry averages. This approach to managing liquidity is called the approach.

Answer: liquidity indicator

23.Many analysts believe there is only one sound method for assessing a financial institution’s

liquidity needs. This method centers on .

Answer: discipline of the financial marketplace (signals from the marketplace)

24.The for deposits and other reservable liabilities and for vault cash holdings is a

two week period extending from Tuesday to a Monday two weeks later.

Answer: reserve computation period

25.If total legal reserves held are greater than required reserves the bank has .

Answer: excess reserves

26.If total legal reserves held are less than required reserves the bank has .

Answer: a reserve deficit

27.The is where a money position manager can cover a large reserve deficit

quickly. It is usually one of the cheapest places to borrow but is also frequently volatile.

Answer: federal funds market

28.One of the ratios used in the liquidity indicator approach to managing a financial institution’s

liquidity needs is . This ratio is cash and due from depository institutions divided by total assets where a greater ratio indicates a stronger liquidity position.

Answer: cash position indicator

True/False Questions

T F 29. Liquid assets must have a reasonably stable price so that the market is deep enough to absorb the sale without a significant loss of value.

Answer: True

T F 30. Asset liquidity management (or asset conversion) involves storing liquidity in assets, such as deposits and jumbo CDs.

Answer: False

T F 31. Asset liquidity management (or asset conversion) involves storing liquidity in assets, such as cash and marketable securities.

Answer: True

T F 32. Liquid assets generally have a stable price but are not necessarily reversible.

Answer: False

T F 33. Asset conversion is considered to be a costless approach to liquidity management.

Answer: False

T F 34. One principle of sound bank liquidity management is to be sure to sell first those assets with the least profit potential.

Answer: True

T F 35. Borrowed liquidity (liability) management is less risky for a financial institution than is asset conversion.

Answer: False

T F 36. A financial institution's liquidity gap represents the difference between its sources and uses of liquid funds.

Answer: True

T F 37. A bank expects to lose its "hot money" liabilities, according to the textbook.

Answer: True

T F 38. According to the customer relationship doctrine a bank should turn down any loan requests for which it does not have enough deposits on hand but should help its borrowing customer

obtain funds from some other source (such as by issuing a letter of credit to backstop the

customer's loan from another lender).

Answer: False

T F 39. A U.S. bank can run up to a 5-percent deficit in its legal reserve requirement without incurring an interest penalty from the Federal Reserve System.

Answer: False

T F 40. Most liquidity problems in banking arise from inside a bank, not from its customers.

Answer: False

T F 41. Holdings of liquid assets at U.S. banks have experienced a gradual decline in recent years.

Answer: True

T F 42. The Federal Reserve has been lowering deposit reserve requirements in recent years.

Answer: True

T F 43. The liquidity indicator, core deposits divided by total assets, is a measure of stored liquidity.

Answer: False

T F 44. A bank's money position manager is responsible for insuring that the bank maintains an adequate level of legal reserves.

Answer: True

T F 45. If a bank in the United States runs a legal reserve deficit of more than 2 percent of its required daily average legal reserve position it will be assessed an interest penalty equal to

the Federal Reserve's discount rate plus 5 percent.

Answer: False

T F 46. If a bank receives more checks deposited to the accounts it holds than checks drawn against its deposit accounts, the bank's legal reserves will tend to increase.

Answer: True

T F 47. According to the textbook if a bank's liquidity deficit is expected to last for only a few hours, the federal funds market or the central bank's discount window is normally the

preferred source of funds.

Answer: True

T F 48. Banks making heavy use of borrowed sources of liquidity must wrestle with the problem of interest cost uncertainty, according to the textbook.

Answer: True

T F 49. All central banks impose reserve requirements on the banks they regulate.

Answer: False

T F 50. The sources and uses of funds method of estimating a bank's liquidity requirements divides the bank's liabilities into three types (hot money, vulnerable funds and stable funds) and

estimates the probability of each being withdrawn from the bank.

Answer: False

T F 51. One of the problems with liquidity management for a bank is that rarely does the demand for funds equal the supply of funds at a given time.

Answer: True

T F 52. One of the problems with liquidity management for a bank is that there is a trade-off between bank liquidity and profitability.

Answer: True

T F 53. The liquidity problem for banks is made easier because most of their liabilities are not subject to immediate repayment.

Answer: False

T F 54. The liquidity problem for banks is made easier because depositors and borrowers are not sensitive to changing interest rates.

Answer: False

T F 55. The oldest approach to liquidity management is the asset liquidity management approach.

Answer: True

T F 56. Some central banks around the world impose reserve requirements on bank loans.

Answer: True

T F 57. Some central banks around the world impose reserve requirements on nondeposit liabilities.

Answer: True

T F 58. Interest in bank and financial service liquidity management is a relatively new phenomenon which arose following the 9/11 crisis.

Answer: False

T F 59. Bank robberies have declined in recent years.

Answer: False

T F 60. Discount window loans jumped dramatically the day following 9/11.

Answer: True

T F 61. A bank or financial service institution can meet reserve requirements by selling Treasury securities in its portfolio.

Answer: True

T F 62. All central banks around the world have some specified reserve requirement.

Answer: False

T F 63. Core deposit ratio is used as one of the liquidity indicators for depository institutions and is defined as the ratio of core deposits to total assets.

Answer: True

T F 64. Loan commitments ratio measures the volume of promises a lender has made to its customers to provide credit up to pre-specified amount over a given time period.

Answer: True

Multiple Choice Questions

65. A financial institution that has ready access to immediately spendable funds at reasonable cost at

precisely the time those funds are needed is:

A) Risk free

B) Liquid

C) Efficient

D) Profitable

E) None of the above

Answer: B

66.Which of the following is not a reason that banks to hold liquid assets?

A)To meet customer's needs for currency.

B)To meet capital requirements.

C)To meet required reserves.

D)To compensate for correspondent bank services.

E)To assist in the check clearing process.

Answer: B

67.The two most pressing demands for liquidity from a bank come from, first, customers withdrawing

their deposits and, second, from:

A) Credit requests from those customers the bank wishes to keep

B) Checks being cashed at local stores and directly from the bank

C) Demands for wired funds from correspondent banks.

D) Legal reserve requirements set by the Federal Reserve Board.

E) None of the above.

Answer: A

68. A bank expects in the week about to begin $30 million in incoming deposits, $20 million in deposit

withdrawals, $15 million in revenues from the sale of nondeposit services, $25 million in customer loan repayments, $5 million in sales of bank assets, $45 million in money market borrowings, $60 million in acceptable loan requests, $10 million in repayments of bank borrowings, $5 million in cash outflows to cover other operating expenses, and $10 million in dividend payments to its

stockholders. This bank's net liquidity position for the week is:

A) $30 million

B) $20 million

C) $10 million

D) $15 million

E) None of the above

Answer: D

69.There is a trade-off problem between liquidity and:

A) Risk exposure

B) Safety.

C) Profitability

D) Efficiency

E) None of the above

Answer: C

70.Financial institutions face significant liquidity problems because of:

A) Imbalances between the maturities of their assets and their principal liabilities.

B) Their high proportion of liabilities subject to immediate withdrawal.

C) Their sensitivity to changes in interest rates.

D) Both A and B

E) All of the above.

Answer: E

71.Sources of liquidity for banks include:

A) Deposit inflows

B) Money market borrowings

C) Sales of marketable securities

D) Loan repayments

E) All of the above

Answer: E

72.Which of the following is not a source of liquidity for financial institutions?

A) Deposits

B) Money market borrowings

C) Sales of marketable securities

D) Dividend payments to stockholders

E) All of the above

Answer: D

73.Which of the following liquidity strategies is the most effective for banks today?

A) Asset Management

B) Liability Management

C) Balanced Liquidity Management

D) All of the above

E) A and B above

Answer: C

74.When a bank's sources of liquidity exceed it uses of liquidity, the bank will have a

_______________ liquidity gap.

A) Positive

B) Negative

C) Cyclical

D) Seasonal

E) None of the above

Answer: A

75."Core deposits", "hot money", and "vulnerable money" are categories of funds under which of the

following methods of estimating a bank's liquidity needs?

A) Sources and Uses of Funds Approach

B) Structure of Funds Approach

C) Liquidity Indicator Approach

D) None of the above

E) A and C

Answer: B

76.Factors that influence a bank's choice among the various sources of reserves include which of the

following?

A) Immediacy of the need

B) Duration of the need

C) Interest rate outlook

D) Regulations

E) All of the above

Answer: E

77.The risk that liquid funds will not be available in the volume needed by a bank is often called:

A) Market risk

B) Price risk

C) Availability risk

D) Interest-rate risk

E) None of the above

Answer: C

78. A bank following an _________________________ liquidity management strategy must take care

that those assets with the least profit potential are sold first. The strategy that correctly fills in the blank in the foregoing sentence is:

A) Asset conversion

B) Liability management

C) Availability

D) Funds source

E) None of the above

Answer: A

79.When some of a bank's expected demand for liquidity are stored in its assets, while other

unexpected cash needs are met from near-term borrowings this approach to liquidity management is described by which of the terms listed below?

A) Liability management

B) Asset conversion

C) Borrowed liquidity management

D) Balanced liquidity management

E) None of the above

Answer: D

80.The notion that bank management should strive to meet all good loans that walk in the door in order

to build lasting customer relationships is referred to as the:

A) Asset conversion liquidity strategy

B) Customer relationship doctrine

C) Loan accommodation doctrine

D) Balanced funds management doctrine

E) None of the above

Answer: B

81. A bank manager responsible for overseeing the institution’s legal reserve account is called:

A) Reserve manager

B) Money market manager

C) Money position manager

D) Legal counselor

E) None of the above

Answer: C

82.If a bank's management uses "the discipline of the financial marketplace" to gauge its liquidity

position one indicator of this market test of the adequacy of a bank's liquidity position is:

A) The bank's return on equity capital

B) The volume of bank stock outstanding

C) The bank's return on assets

D) The size of risk premiums on CDs the bank issues

E) None of the above

Answer: D

83.Which of the following is an example of a use of funds for the bank?

A) A customer withdraws $1000 from their account

B) A borrower repays $1500 of a loan they have received

C) The bank issues a $1,000,000 CD

D) The bank sells $5,000,000 of T-Bills

E) None of the above are uses of funds

Answer: A

84.Which of the following is an example of a source of funds?

A) A customer withdraws $1000 from their account

B) A borrower repays $1500 of a loan they have received

C) A bank increases its Fed funds sold by $1,000,000

D) The bank purchases $5,000,000 in T-Bills

E) None of the above are uses of funds

Answer: B

85. A bank currently has $150 million in "hot money" deposits against which they want to hold an 80

percent reserve. This bank has $90 million in vulnerable deposits against which they want to hold

a 30 percent reserve and this bank has $45 million in stable deposits against which they want to

hold a 5 percent reserve. The legal reserves for this bank are 5 percent of all deposits. What is this bank's liability liquidity reserve?

A) $149.25 million

B) $285 million

C) $141.7875 million

D) $216.60 million

E) None of the above

Answer: C

86. A bank maintains a clearing balance of $5,000,000 with the Federal Reserve. The Federal funds

rate is currently 6.5 percent. What credit will this bank earn over the reserve maintenance period to offset any fees charged this bank by the Federal Reserve?

A) $325,000

B) $8,357,143

C) $194,444

D) $12,639

E) None of the above

Answer: D

87. A bank maintains a clearing balance of $1,000,000 with the Federal Reserve. The Federal funds

rate is currently 4.5 percent. What credit will this bank earn over the reserve maintenance period to offset any fees charged this bank by the Federal Reserve?

A) $17,500

B) $1,750

C) $45,000

D) $12,500

E) None of the above

Answer: B

88. A bank currently holds $105 million in transaction deposits subject to legal reserves but has

managed to enter into sweep account arrangements affecting $55 million of these accounts. Given that the bank must hold 3 percent legal reserves up to $47.8 million of transaction deposits and 10 percent legal reserves on any amount above that, how much has this bank reduced its total legal reserves as a result of these sweep arrangements?

A) $5.500 million

B) $1.449 million

C) $7.119 million

D) $1.619 million

E) None of the above

Answer: A

89. A bank money manager estimates that the bank will experience a liquidity deficit of $400 million

with a probability of 10 percent, a liquidity deficit of $900 million with a probability of 20 percent,

a liquidity surplus of $600 million with a probability of 30 percent and a liquidity surplus of $1200

with a probability of 40 percent over the next month. What is this bank's expected liquidity deficit or surplus over this next month?

A) $880 liquidity surplus

B) $440 liquidity deficit

C) $440 liquidity surplus

D) $880 liquidity deficit

E) None of the above

Answer: C

90. A bank expects in the week to come $55 million in incoming deposits, $75 million in acceptable

loan requests, $35 million in money market borrowings, $10 million in deposit withdrawals and $30 million in loan repayments. This bank is expecting a:

A) Liquidity deficit

B) Liquidity surplus

C) Balanced liquidity position

D) None of the above

Answer: B

91. A financial institution has estimated that its growth rate in deposits over the last ten years has

averaged 6 percent per year. This is the _________________________ of estimating future

deposits.

A) Trend component

B) Seasonal component

C) Cyclical component

D) Stationary component

E) None of the above

Answer: A

92. A financial institution has estimated that over the last ten years the deposit withdrawals during

Christmas time is about 25% higher than during any other time of the year. This is the

_________________________ of estimating future deposits.

A) Trend component

B) Seasonal component

C) Cyclical component

D) Stationary component

E) None of the above

Answer: B

93.Which of the following is a guideline for liquidity managers of banks?

A) The liquidity manager must keep track of the activities of all departments of the bank

B) The liquidity manager must know in advance (if possible) the plans of major creditors and

depositors

C) The liquidity manager should make sure the bank has clear priorities and objectives for

liquidity management

D) The liquidity manager must analyze the liquidity needs of the bank on a continuous basis

E) All of the above are guidelines for liquidity managers

Answer: E

94. A manager that uses ratios such as cash and due from banks to total assets and U.S. government

securities to total assets to measure their liquidity position is using:

A) The sources and uses of funds approach

B) The structured funds approach

C) The liquidity indicator approach

D) Signals from the market place

E) None of the above

Answer: C

95. A manager that examines the stock price behavior of the bank and the risk premium on the bank

CD's to measure their liquidity position is using:

A) The sources and uses of funds approach

B) The structured funds approach

C) The liquidity indicator approach

D) Signals from the marketplace

E) None of the above

Answer: D

96. A manager that looks at deposit increases and decreases and loan increases and decreases among

other things to measure their liquidity position is using:

A) The sources and uses of funds approach

B) The structured funds approach

C) The liquidity indicator approach

D) Signals from the marketplace

E) None of the above

Answer: A

97.Which of the following statements is correct?

A) The demands for liquidity and sources of liquidity for a bank are generally equal to each other

B) Most liquidity problems in banking arise from outside the bank

C) The liquidity problems for a bank are made easier because most of their liabilities are not

subject to immediate repayment

D) Liquidity management is easy for a bank because a bank that is very liquid is also very

profitable.

E) All of the above statements are correct

Answer: B

98.The Fed funds market is most volatile on bank:

A) Computation day

B) Settlement day

C) Reserve day

D) Maintenance day

E) Holiday

Answer: B

99.The Fed funds rate usually hovers around the Feds:

A) Target rate

B) Set rate

C) Quoted rate

D) Limit rate

E) Average rate

Answer: A

100. A bank or financial service institution can generally meet reserve requirements using all of the following except:

A) Selling liquid investments

B) Borrowing in the fed funds market

C) Drawing on any excess correspondent balances

D) Borrowing in the repo market

E) Selling new shares

Answer: E

101.The Shirley State Bank has $90 in transaction deposits subject to legal reserves. This bank must hold 3 percent legal reserves up to $43.9 of transaction deposits and 10 percent legal reserves on any amount above this. What is this bank’s total legal reserves?

A) $2.700 million

B) $1.449 million

C) $5.924 million

D) $4.170 million

E) None of the above

Answer: C

102.John Camey, the money manager of the First State Bank, has estimated that the bank has a 20 percent chance of a liquidity deficit of $700, a 30 percent chance of a liquidity deficit of $200, a 30 percent chance of a liquidity surplus of $400 and a 20 percent chance of a liquidity surplus of $900 over the next week. What is this bank’s e xpected liquidity deficit or surplus over the next week?

A) $100 liquidity surplus

B) $100 liquidity deficit

C) $400 liquidity surplus

D) $500 liquidity surplus

E) $0 liquidity surplus

Answer: A

103. A bank currently has $50 million in stable deposits against which they want to keep 10% reserves, $100 in vulnerable deposits against which they want to keep 40% reserves and they have $50

million in “hot money’ deposits against which they want to keep 90% reserves. The legal reserves for this bank are 10% of all deposits. What is this bank’s liability liquidity reserve?

A) $90 million

B) $81 million

C) $70 million

D) $20 million

E) None of the above

Answer: B

104.The Hollingsworth National Bank maintains a clearing balance of $7,000,000 with the Federal Reserve. The Federal Funds rate is currently 5.25 percent. What is the credit this bank will earn over the maintenance period to offset any fees charged this bank by the Federal Reserve?

A) $367,500

B) $1021

C) $14,292

D) $30,625

E) None of the above

Answer: C

105. A bank must maintain an average daily balance at the Fed of $600. In the first 2 days of the maintenance period, they maintain a balance of $450, the next three days they maintain a balance of $700, the next two days they maintain a balance of $650, the next three days they maintain a

balance of $450 and the next three days they maintain a balance of $650. What does their balance at the Fed have to be on the last day of the maintenance period in order to have a zero cumulative reserve deficit?

A) $600

B) $400

C) $500

D) $800

E) None of the above

Answer: D

106.A bank must maintain an average daily balance at the Fed of $700. On the first day of the maintenance period they maintain a balance of $750, the next two days they maintain a balance of $725, the next three days they maintain a balance of $625, the next two days they maintain a

balance of $775, the next two days they maintain a balance of $700 and the next two days they maintain a balance of $675. What does their balance have to be on the last day of the maintenance period in order to have a cumulative reserve deficit?

A) $700

B) $650

C) $750

D) $325

E) None of the above

Answer: B

107.David Ashby has just paid off the balance on his home mortgage with First American Bank. What source of liquidity does this represent to the bank?

A) Incoming customer deposit

B) Revenues from the same of nondeposit services

C) Customer loan repayment

D) Sale of an asset

E) Borrowings from the money market

Answer: C

108.The Harmony Bank of the South has just increased its Federal Funds Purchased. What source of liquidity does this represent to the bank?

A) Incoming customer deposit

B) Revenues from the same of nondeposit services

C) Customer loan repayment

D) Sale of an asset

E) Borrowings from the money market

Answer: D

109.The Peace Bank of Ohio has just received a $50 million credit at the local clearing house. Which type of factor affecting legal reserves is this for the bank?

A) A controllable factor increasing legal reserves

B) A noncontrollable factor increasing legal reserves

C) A controllable factor decreasing legal reserves

D) A noncontrollable factor decreasing legal reserves

E) None of the above

Answer: B

110.The Sasser State Bank has just sold $25 million in Treasury Bills. Which type of factor affecting legal reserves is this for the bank?

A) A controllable factor increasing legal reserves

B) A noncontrollable factor increasing legal reserves

C) A controllable factor decreasing legal reserves

D) A noncontrollable factor decreasing legal reserves

E) None of the above

Answer: A

111.The Hora National Bank has just received notice that a large depositor with the bank wants to close their account immediately. Which type of factor affecting legal reserves is this for the bank?

A) A controllable factor increasing legal reserves

B) A noncontrollable factor increasing legal reserves

C) A controllable factor decreasing legal reserves

D) A noncontrollable factor decreasing legal reserves

E) None of the above

Answer: D

112.The Simpson State Bank of Stillwater has just sold Federal Funds to another bank in their Federal Reserve district. Which type of factor affecting legal reserves is this for the bank?

A) A controllable factor increasing legal reserves

B) A noncontrollable factor increasing legal reserves

C) A controllable factor decreasing legal reserves

D) A noncontrollable factor decreasing legal reserves

E) None of the above

Answer: C

113.The Burr Bank has just calculated the ratio of U.S. Government Securities to Total Assets. Which liquidity indicator is this?

A) Cash position indicator

B) Liquid securities indicator

C) Net federal funds and repurchase agreement position

D) Capacity ratio

E) Hot money ratio

Answer: B

114.The HTR Bank of Summerville has just calculated the ratios of money market (short term) assets to volatile liabilities. Which liquidity indicator is this?

A) Cash position indicator

B) Liquid securities indicator

C) Net federal funds and repurchase agreement position

D) Capacity ratio

E) Hot money ratio

Answer: E

115.Which of the following is an option when a liquidity deficit arises and the bank wants to borrow liquidity to cover the deficit?

A) Selling Treasury Bills

B) Reducing their correspondent deposits with another bank

C) Selling a municipal bond

D) Issuing a jumbo CD

E) All of the above

Answer: D

116.Which of the following is an option when a liquidity deficit arises and the bank wants to use their stored liquidity in their assets to cover the deficit?

A) Borrowing in the Federal Funds market

B) Issuing a jumbo CD

C) Selling Treasury Bills

D) Increasing their correspondent deposits with another bank

E) All of the above

Answer: C

117.The Taylor Treadwell Bank has just calculated the ratio of net loans and leases to total assets.

Which liquidity indicator is this?

A) Cash position indicator

B) Liquid securities indicator

C) Net federal funds and repurchase agreement position

D) Capacity ratio

E) None of the above

Answer: D

118.The Taylor Treadwell Bank has just calculated the ratio of demand deposits to total time deposits.

Which liquidity indicator is this?

A) Deposit composition ratio

B) Liquid securities indicator

C) Net federal funds and repurchase agreement position

D) Capacity ratio

E) None of the above

Answer: A

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

商业银行管理彼得S.罗斯英文原书第8版 英语试题库Chap005

Chapter 5 The Financial Statements of Banks and Their Principal Competitors Fill in the Blank Questions 1. Fed funds purchased is an example of _______________________ along with Eurodollar borrowings. Answer: nondeposit borrowings 2. The short term securities of the bank, including T-Bills and commercial paper, are often called __________________________ because they are the second line of defense to meet demands for cash. Answer: secondary reserves 3. __________________________ is a noncash expense on the bank's income statement which allows the bank to account for future bad loans. Answer: Provision for loan losses 4. __________________________ is the difference between interest income and interest expenses for a financial institution. Answer: Net interest income 5. __________________________ are the primary long term liabilities of the bank. These liabilities are paid only after deposits have been paid in the event of bankruptcy. Answer: Subordinated notes and debentures

商业银行管理学

商业银行管理学第一章商业银行管理学导论

教学要求：本章要求学生了解商业银行的性质、商业银行的功能、商业银行在金融市场 中的作用、商业银行管理的目标、现代商业银行经营的特点以及我国商业银行的历史与现状 等内容。 教学重点：商业银行的功能，商业银行的管理目标，商业银行在金融市场中的作用。 第一节商业银行的性质与功能 一、商业银行的性质 1.商业银行具有明显的企业性质 （1）与一般工商企业一样自主经营、自负盈亏、自我约束、自求平衡、自我发展；追求的最终目标是价值最大化。 （2）在性质上不同于中央银行、政策性银行 2.商业银行具有特殊的经营规律 商业银行经营的商品是货币，除少量自有资金和固定资产,资金来源和资金运用两头在外。一般企业管理常用的最优化经济原理用于商业银行管理具有局限性。 （1）边际分析方法用于商业银行管理的局限性 （2）投入要素最优组合原理用于商业银行管理的局限性 （3）规模经济原理在商业银行的适应性和不适应性 商业银行对整个社会经济的影响远远大于一般的工商企业，受整个社会经济的影响也比 一般工商企业大的多；金融风险管理成为商业银行经营的核心内容之一，考虑的风险比一般 企业更为广泛。商业银行业务经营的特殊性决定其有着与一般工商企业不同的经营规律。 二、商业银行的职能 1.中介职能

中介职能指商业银行通过存款等负债业务，把社会闲散资金集中起来，再通过贷款等资产业务，将资金投给向银行借款的单位和个人。 闲散资金 T生产经营资金 小额资金 T大额资金 短期资金 T长期资金 效益低的部门 T效益高的部门 2.支付职能 （1）商业银行代表客户支付商品和服务价款。 （2）通过存款在账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，成为货币保管者、出纳和支付代理人。 （3）商业银行的支付职能减少了现金的使用，加速了结算过程和货币资金周转，提高了资金使用效率，为客户提供了方便。 3.信用创造职能 （1）商业银行利用存款发放贷款，在支票流通和转帐结算的基础上贷款又转化为派生存款，整个商业银行体系形成了数倍于原始存款的派生存款。 （2）商业银行的信用创造以原始存款为基础，受法定存款准备率和现金漏损率的制约。政府运用法定存款准备金制度等货币政策工具来调节商业银行的信用创造。 4.金融服务职能 商业银行为客户提供担保、信托、租赁、保管、咨询、代理融通等多种金融服务，扩大了社会联系面，增加了市场份额，同时也增加了非信贷收入。 三、商业银行在金融市场中的作用 关于商业银行作用的著名论断

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

商业银行经营管理试题库

习题 商业银行银行经营管理 商业银行经营管理习题 第一章导论 一、名词解释 商业银行信用中介支付中介格拉斯—斯蒂格尔法分行制持股公司制流动性银行制度 二、填空 1、商业银行是以（）为目标，以（）为经营对象，（）的企业。 2、（）银行的成立，标志着现代商业银行的产生。 3、现代商业银行形成的途径有（）；（）。 4、各国商业银行的发展基本上是循着两种传统：（）和（）。 5、商业银行在现代经济生活中所发挥的功能主要有（）、（）、（）、 （）和（）。 6、股份制商业银行的组织结构包括（）、（）、（）和（）。

7、股份制商业银行的决策系统主要有（）、（）、（）、和（） 构成。 8、股份制商业银行的最高权力机构是（）。 9、股份制商业银行的最高行政长官是（）。 10、商业银行按资本所有权划分可分为（）、（）、（）和（）。 11、商业银行按组织形式可分为（）、（）和（）。 12、实行单元银行制的典型国家是（）。 13、商业银行经营管理的目标为（）、（）和（）。 14、对我国商业银行实施监管的机构是（）。 三、不定项选择 １、商业银行发展至今，已有（）的历史。 Ａ１００年Ｂ２００年Ｃ３００年Ｄ５００年 2、（）银行的成立，标志着现代商业银行的产生。 A英国B英格兰C丽如D东方 3、商业银行能够把资金从盈余者手中转移到短缺者手中，使闲置资金得到充分利用。这种功能被称为（）功能。 A信用中介B支付中介C信用创造D金融服务 4、下列银行体制中，只存在于美国的是（） A分行制B私人银行C国有银行D单元制 5、我国商业银行的组织形式是（）

A单元制银行B分支行制银行C银行控股公司D连锁银行 6、实行分支行制最典型的国家是（） Ａ美国Ｂ日本Ｃ法国Ｄ英国 7、股份制商业银行的最高权利机构是（）。 A董事会B股东大会C监事会D总经理 8、银行业的兼并对其产生的优势是（）。 A扩大了规模B有利于进行金融创新C取得优势互补，拓展业务范围D提高盈利能力 9、对银行业加强监管的意义体现在（）。 A保护和发挥商业银行在社会经济活动中的作用，促进经济的健康发展。 B有利于稳定金融体系。 C弥补银行财务信息公开程度不高的缺点。 D保护存款人的利益。 四、判断并说明理由 1、商业银行是企业。 2、商业银行的信用创造是无限制的。 3、在中国目前条件下，私人不能办银行，但可以入股银行。 4、现代商业银行都是股份制的金融企业。 5、流动性原则和安全性原则既是统一的，又是矛盾的。 6、商业银行的信用创造职能仅仅是商业银行可以产生派生存款。

2016银行管理测验真题(附答案)

银行管理考试试题及答案 一、单选题 1、历史上第一家股份制商业银行是（D ） A 威尼斯银行 B 阿姆斯特丹银行 C 纽伦堡银行 D 英格兰银行 2、中国现代银行产生的标志是成立（C ） A 浙江兴业银行 B 交通银行 C 中国通商银行 D 中国银行 3、银行借款人或交易对象不能按事先达成的协议履行义务的潜在可能性；也包括由于银行借款人或交易对象信用等级下降，使银行持有资产贬值是指（ C ） A、利率风险 B、汇率风险 C、信用风险 D、经营风险 4、国际清算银行通过了《巴塞尔协议》在（B ） A、1986年 B、1988年 C、1994年 D、1998年 5、商业银行的资本计划可以分为多少个阶段（C ） A、2个 B、3个 C、4个 D、5个 6、1996年1月，巴塞尔委员会允许银行采用自己的内部风险管理模型，但应同时满足定性与定量标准是通过制定（ A）

A、《测定市场风险的巴塞尔补充协议》 B、《市场风险的资本标准建议》 C、《预期损失和不可预见损失》 D、《对证券化框架的变更》 7、介于银行债券和普通股票之间的筹资工具，有固定红利收入，红利分配优于普通股票是（ B） A、普通股 B、优先股 C、中长期债券 D、债券互换 8、可转让支付命令账户简称是（ D ） A、NCDs B 、MMDA C、 ATS D、 NOWs 9、包括利息在内的花费在吸收负债上的一切开支，即利息成本和营业成本之和,它反映银行为取得负债而付出的代价是（C ） A、利息成本 B、营业成本 C、资金成本 D、相关成本 10、商业银行票据结算的工具主要包括银行汇票、银行本票、支票和（ B ） A、信用证 B、商业汇票 C 、信用卡D、提单 11、是典型的含有期权性质的中间业务（ A ） A、银行承诺 B 、代理业务 C、银行担保 D、信托业务 12、期权合约签定后，一但买方决定买进或卖出某金融资产时，卖方必须按照合约规定的内容无条件履行吗？（ A ） A 、是 B 、不是 C 、不一定D、可以不履行 13、商业银行国际业务的组织形式不包括（ B ） A 、代表处B、代理行C、分行 D 、子公司或附属机构E、合资联营银行

商业银行管理彼得S.罗斯第八版课后答案chapter_01

CHAPTER 1 AN OVERVIEW OF BANKS AND THE FINANCIAL-SERVICES SECTOR Goal of This Chapter: In this chapter you will learn about the many roles financial service providers play in the economy today. You will examine how and why the banking industry and the financial services marketplace as a whole is rapidly changing, becoming new and different as we move forward into the future. You will also learn about new and old services offered to the public. Key Topics in This Chapter ?Powerful Forces Reshaping the Industry ?What is a Bank? ?The Financial System and Competing Financial-Service Institutions ?Old and New Services Offered to the Public ?Key Trends Affecting All Financial-Service Firms ?Appendix: Career Opportunities in Financial Services Chapter Outline I. I ntroduction: P owerful Forces Reshaping the Industry II. W hat Is a Bank? A. D efined by the Functions It Serves and the Roles It Play: B. B anks and their Principal Competitors C. Legal Basis of a Bank D. D efined by the Government Agency That Insures Its Deposits III.The Financial System and Competing Financial-Service Institutions A.Savings Associations B.Credit Unions C.Money Market Funds D.Mutual Funds E.Hedge Funds F.Security Brokers and Dealers G.Investment Bankers H.Finance Companies I.Financial Holding Companies

商业银行经营管理试题一

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？

商业银行管理彼得S.罗斯英文原书第8版 英语试题库Chap016

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

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

武汉理工大考试试题卷课程名专业班商业银行经营与管总题题1015302520100 备:学生不得在试题纸上答含填空题、选择题等客观) .单选题1=1 1.为了使资金分配战略更为准确，许多商业银行使用复杂的数学模型，其中运用最为广泛的是、资金总库、线性规划、资金分配、缺口管理方 2. 169年英国政府为了同高利贷作斗争，以维护新生的资产阶级发展工业和商业的需要，决定成 一家股份制银行是什么 、英格兰银、曼彻斯特银、汇丰银、利物浦银 3.一旦银行破产、倒闭时，对银行的资产的要求权排在最后的是（ 、优先股股、普通股股、债权、存款 4.影响存款水平的微观因素主要是银行内的因素，不包括（ 金融当局的货币政、服务收、银行网点设、营业设 5.现金资产管理的首要目标是（ 、现金来源合、现金运用合、将现金资产控制在适度的规模、现金盈 6.现金资产中唯一以现钞形态存在的资产是（ 、库存现、在中央银行存放同业存、存放同业存、托收中的现 ．银行以合法方式筹集的资金自主发放的贷款是（ 、委托贷、自营贷、特定贷、自主贷 8.银行业产生于哪个国家 英、美、意大、德 现金资产管理中应坚持的基本原则不包括（、安全性原、适时流量调节原、适度存量控制原、盈利性原1发行优先股来筹集资本，商业银行可获得的坏处有（ 得杠杆收、控制权不会变 、可以永久地获得资金的使用、利息税前支付，可降低税后成 二．判断题1=1 1．商业银行的资产是指商业银行自身拥有的或者能永久支配使用的资金 1．存款是银行的被动负债，存款市场属于银行经营的卖方市场。而借入负债则是银行的主动负债 它属于银行经营的买方市场。

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＝10）1Χ装 1.B 2.A 3.B 4.A 5.C 6.A 7.B 8.C 9.A 10.D | 二. 判断题（15分＝15 ）1Χ| 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＝10 ）Χ326.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

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 1 / 14

商业银行经营管理题库完整

第一章导论 一、名词解释 商业银行信用中介支付中介信用创造分行制持股公司制流动性 二、填空 1、商业银行是以（）为目标，以（）筹集资金，以（）为经营对象，能利用负债进行（），并能向客户提供（）服务的金融企业。 2、商业银行的性质是（），（），（）。 3、商业银行产生经历了（），（），（）三个阶段。 4、1694年（）银行的成立，标志着现代商业银行的产生。 5、现代商业银行形成的途径有（）和（）。 6、各国商业银行的发展基本上是循着两种传统：（）和（）。 7、商业银行的经营模式主要有两种：（）和（）。 8、商业银行在现代经济生活中所发挥的功能主要有（）、（）、（）、 （）和（）。 9、创立商业银行的条件主要是（）条件和（）条件。 10、创立商业银行的程序是（）、（）、（）。 11、股份制商业银行的组织结构体系包括（）、（）、（）和（）四个系统。 12、股份制商业银行的决策系统主要有（）、（）和（）构成。 13、股份制商业银行的最高权力机构是（）。 14、股份制商业银行的执行系统主要有（）、（）和（）构成。 15、股份制商业银行的最高行政首脑是（）。 16、股份制商业银行的监督系统由（）、（）和（）构成。 17、股份制商业银行的管理系统由（）、（）、（）、（）和（）构成。 18、商业银行按资本所有权划分可分为（）、（）、和（）。 19、商业银行按组织形式可分为（）、（）和（）。 20、按商业银行能否从事证券业务，商行可分为（）、（）和（）。 21、实行单元制银行的典型国家是（）。 22、当代商业银行的主要组织形式是（） 23、商业银行经营管理的目标为（）、（）和（）。 24、对我国商业银行实施监管的机构是（）。 三、单项选择 1、（）银行的成立，标志着现代商业银行的产生。 A英国 B英格兰 C丽如 D 2、商业银行能够把资金从盈余者手中转移到短缺者手中，使闲置资金得到充分利用，这种功能被称为（）功能。 A信用中介 B支付中介 C信用创造 D金融服务 3、商业银行利用活期存款账户，为客户办理货币结算、转账、兑换、转移存款等业务，这种功能被称为（）功能。 A信用中介 B支付中介 C信用创造 D金融服务 4、商业银行利用吸收的活期存款，通过转账的方式发放贷款，从而衍生出更多存款，扩大社会货币供给量。这种功能被称为（）功能。

商业银行经营管理试题及答案 (1)

《商业银行经营管理》综合练习 一、单项选择题（下列每小题的备选答案中，只有一个符合题意的正确答案，多选、错选、不选均不得分。本题共45个小题，每小题1分） 1. 近代银行业产生于（）。 A .英国 B .美国 C .意大利 D .德国 【答案】C 2. 1694年英国政府为了同高利贷作斗争，以满足新生的资产阶级发展工业和商业的需要，决定成立一家股份制银行（）。 A .英格兰银行 B .曼切斯特银行 C .汇丰银行 D .利物浦银行 【答案】A 3. 现代商业银行的最初形式是（）。 A .股份制银行 B .资本主义商业银行 C .高利贷性质银行 D .封建主义银行 【答案】B 4. 1897年在上海成立的（）标志着中国现代银行的产生。 A .交通银行 B .浙江兴业银行 C .中国通商银行 D .北洋银行 【答案】C 5.（）是商业银行最基本也是最能反映其经营活动特征的职能。 A .信用中介 B .支付中介 C .清算中介 D .调节经济的功能 【答案】A 6. 单一银行制度主要存在于（）。 A .英国 B .美国 C .法国 D .中国 【答案】B 7. 商业银行的经营对象是（）。 A .金融资产和负债 B .一般商品 C .商业资本 D .货币资金

【答案】D 8. 对于发行普通股，下面的表述错误的是（）。 A .发行成本比较高 B .对商业银行的股东权益产生稀释作用 C .资金成本总要高于优先股和债券 D .总资本收益率下降时，会产生杠杆作用 【答案】D 9. 附属资本不包括（）。 A .未公开储备 B .股本 C .重估储备 D .普通准备金 【答案】B 10. 总资本与风险加权资本的比率不得低于（）。 A .7% B .8% C .9% D .10% 【答案】B 11. 年初的资本/资产＝8％，各种资产为10亿元，年末的比例仍为8％，年末的未分配收益为亿元，银行的适度资本为（）。 A . B .10 C . D . 【答案】A 12. 商业银行最主要的负债是（）。 A .借款 B .发行债券 C .各项存款 D .资本 【答案】C 13. 商业银行的（）是整个银行体系创造存款货币的基础。 A .资产 B .负债 C .所有者权益 D .资本 【答案】B 14. 某银行通过５％的利率吸收１００万新存款，银行估计如果提供利率为５.５％，可筹资１５０万存款，若提供６％的利率可筹资２００万元存款，若提供６.５％的利率可筹集２５０万存款，若提供７％利率可筹３００万存款，而银行的贷款收益率为８.５％，贷款利率不随贷款量增加而增加，贷款利率是贷款边际收益率。问存款利率为（）时，银行可获最大利润。 A .5% B .6% C .% D .7% 【答案】C