商业银行管理组织彼得S.罗斯英文原书第8版英语试题目整合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

services.

Answer: Financial Holding Company (FHC)

9.The key problem in a large money center bank is .

Managers may be knowledgeable about banking practices but may be less

informed about products and services of subsidiary companies.

Answer: span of control

10.The Gramm-Leach-Bliley Act moved the U.S. banking industry closer to

banking in which banks may provide securities, insurance, and other financial

products.

Answer: universal

11.A bank that is not associated with a bank holding company is called a(n)

bank.

Answer: independent

12. is a view of how modern corporations operate which

analyzes the relationship between a firm’s owners and its managers.

Answer: Agency theory

13.Many experts believe that , the relationships that exist

between managers, the board of directors and stockholders, is more complicated in financial institutions. Answer: Because of government regulations.

14. is the idea that there will be a lower cost of

production per unit as the firm gets larger.

Answer: Economies of scale

15. is the idea that there will be lower cost of

producing multiple services using the same organization and resources.

Answer: Economies of scope

16.Over the years, managers of banks and other financial institutions have evolved

different organizational forms to address changes in the industry. Indeed, these

firms are organized to carry out various roles in the most efficient way. This is

referred to as _________________________.

Answer: Organizational form follows function

True/False Questions

T F 17. Bank size is not considered a significant factor in determining how banks

are organized.

Answer: False

T F 18. Nearly three quarters of all U.S. banks exceed $100 million in asset size apiece.

Answer: False

T F 19. Nearly all U.S. banks with federal or state charters have their deposits insured by the Federal Deposit Insurance Corporation.

Answer: True

T F 20. State-chartered banks in the United States represent about a quarter of all U.S.-chartered banks, while national banks account for approximately three

quarters of all U.S. chartered banks.

Answer: False

T F 21. The majority of all U.S. banks are members of the Federal Reserve System.

Answer: False

T F 22. A banking corporation chartered by either federal or state governments that operates only one full-service office is called a unit bank.

Answer: True

T F 23. Over half of all U.S. states today limit branching activity.

Answer: False

T F 24. The average U.S. bank is larger in size (in terms of number of branch offices) than the average Canadian bank.

Answer: False

T F 25. Despite the rapid growth of automation in U.S. banking, there are more full-service branch banking offices than automated teller machines across

the whole U.S.

Answer: False

T F 26. In the United States there are more one-bank holding companies than multi-bank holding companies.

Answer: True

T F 27. Bank holding companies hold more than 90 percent of the industry’s assets in the United States.

Answer: True

T F 28. Research evidence suggests that banks taken over by interstate banking organizations have generally increased their market shares over their

competitors within the same state and generally are more profitable than

their competitors.

Answer: False

T F 29. The concentration of bank deposits at the local level (that is in urban communities and rural counties) has displayed only moderate changes in

recent years.

Answer: True

T F 30. There is evidence that branch banks charge higher fees for some banking services than do unit banks.

Answer: True

T F 31. Branch banks tend to offer a wider menu of services than unit banks.

Answer: False

T F 32. Recent research suggests that branch banks tend to be more profitable than either unit or holding company banks, while interstate banks tend to

be the most profitable of all.

Answer: False

T F 33. Less than 10 percent of the largest banks in the U.S. control almost 90 percent of the industry assets.

Answer: True

T F 34. Agency theory suggests that bank management will always pursue the goal of maximizing the return of the bank's shareholders.

Answer: False

T F 35. Recent research suggests that the relationship between bank size and the cost of production per unit is roughly U shaped.

Answer: True

T F 36. Bank holding companies that want to achieve the goal of risk reduction in earnings risk through interstate banking can achieve the same level of risk

reduction by entering any of the fifty states.

Answer: False

T F 37. Bank holding companies are allowed to own nonbank businesses as long as those businesses offer services closely related to banking.

Answer: True

T F 38. Banks tend to have a higher proportion of outside directors than a typical manufacturing firm.

Answer: True

T F 39. Banks which operate entirely on the web are known as invisible banks.

Answer: False

T F 40. Banks acquired by holding companies are referred to as affiliated banks.

Answer: True

T F 41. Bank organizational structure has become more complex in recent years.

Answer: True

T F 42. There are only a very small number of unit banks in the U.S. today.

Answer: False

T F 43. Traditional brick-and-mortar bank branch offices are on the decline in the U.S. today.

Answer: False

T F 44. Community banks are usually smaller banks that are devoted principally to the markets for smaller, locally based deposits and loans.

Answer: True

T F 45. The question of whether financial firms operate as efficiently as possible requires researchers to look into the issue of x-efficiency. The concept

requires an assessment of the financial firm’s operating costs in relation to

its cost-efficient frontier.

Answer: True

Multiple Choice Questions

46.In banking, organizational form follows __________ because banks usually are

organized in such a way as to carry out the tasks and supply the services

demanded of them. The term that correctly fills in the blank in the sentence above is:

A) Bank size

B) Management's decision

C) Function

D) Regulation

E) Location

Answer: C

47.Which one of the following is charged with setting policy and overseeing a bank's

performance?

A) Stockholders

B) Board of directors

C) Regulators

D) Depositors

E) None of the above.

Answer: B

48.The largest banks possess some potential advantages over small and medium-size

banks, according to the textbook. What specific advantage of the largest banks

over small and medium-sized banks is not mentioned in the text?

A) Greater diversification geographically and by product line

B) Availability of financial capital at lower cost

C) Greater professional expertise to allocate capital to the most promising

products and services

D) Better positioned to take advantage of the opportunities afforded by interstate

banking.

E) All of the above were mentioned in the text as advantages typically possessed

by the largest banks.

Answer: E

49.Before any financial services can be offered to anyone a bank in the United States must have a:

A) Certificate of deposit insurance

B) Charter of incorporation

C) List of established customers

D) New building constructed to be the bank's permanent home

E) None of the above.

Answer: B

50.In the United States there are close to __________ commercial banks in operation.

Which number shown below is closest to the actual total number of U.S. banks operating in the U.S.?

A) 20,500

B) 13,500

C) 11,500

D) 9,000

E) 7,500

Answer: E

51.One of the few states that has opted out of interstate banking is:

A) New York

B) Ohio

C) Texas

D) Montana

E) None of the above

Answer: D

52.The concentration of U.S. bank deposits in the hands of the largest banks has

_________ during the most recent period,

A) Declined

B) Increased

C) Remained essentially unchanged

D) Exhibited large fluctuations in both directions

E) None of above.

Answer: B

53.B ank holding company organizations have several advantages over other types of

banking organizations. Among the advantages mentioned in this chapter is:

A) Greater ease of access to capital markets

B) Tax advantage

C) Product-line diversification

D) All of the above.

E) None of the above.

Answer: D

54.A company which owns the stock of three different banks is known as a(n):

A) Unit Bank

B) Interstate Bank

C) One Bank Holding Company

D) Multi Bank Holding Company

E) None of the above

Answer: D

55.W hich of the following is considered an advantage of branch banking?

A) Increased availability and convenience of services

B) Decreased chance of failure

C) Reduced transaction costs

D) B and C above

E) All of the above

Answer: E

56.T he types of nonbank businesses a bank holding company can own include which

of the following?

A) Retail Computer Store

B) Security Brokerage Firm

C) Retail Grocery Store

D) Wholesale Electronic Distribution Company

E) All of the above

Answer: B

57.A bank which offers its full range of services from only one office is known as a:

A) Unit Bank

B) Branch Bank

C) Correspondent Bank

D) Bank Holding Company

E) None of the above

Answer: A

58.W hy did so many states and the federal government finally enact interstate banking laws?

A) The need for new capital in order to revive struggling economies

B) The expansion of services by nonbank financial institutions

C) Competition from neighboring states that already liberalized their laws

D) Advances in technology which allowed banks to service customers in broader

geographic areas

E) All of the above are reasons for the passage of interstate banking laws

Answer: E

59.W hat is a bank holding company?

A) It is a bank that offers all of its services out of one office

B) It is a bank that offers all its services out of several offices

C) It is a corporation formed to hold the stock of one or more banks

D) It is a merchant bank

E) None of the above

Answer: C

60.W hich of the following is a type of service a bank holding company is not allowed

to own?

A) Merchant banking company

B) Savings and loan association

C) Retail electronics equipment sales company

D) Security brokerage firm

E) Insurance agency

Answer: C

61.I n the last decade, the number of banks has __________ and the number of branches has _________.

A) Declined; Increased

B) Grown; Increased

C) Grown; Decreased

D) Declined; Decreased

E) Stabilized; Stabilized

Answer: A

62.W ebsites known as electronic branches offer all of the following except:

A) Internet banking services

B) ATMs

C) Point of sales terminals

D) Computer and phone services connecting customers

E) Traveler's checks

Answer: E

63.Relative to manufacturing firms, banks tend to have a (the) ___________ number of

board members.

A) Same

B) Larger

C) Smaller

D) Unknown

E) None of the above

Answer: B

64.The percentage of unit banks in the U.S. today is approximately:

A) 10%

B) 30%

C) 50%

D) 75%

E) 100%

Answer: B

65.The ‘typical’ community bank has:

A) $300 million in assets and is located in a smaller city in the Midwest.

B) $25 billion in assets and is located in a large city in the East

C) $100 million in assets and is located in a large city the South

D) $10 billion in assets and is located in a small city in the West

E) None of the above

Answer: A

66.The ‘typical’ money center bank has:

A) $250 million in assets and is located in a smaller city in the Midwest

B) $25 billion in assets and is located in a large city in the East

C) $100 million in assets and is located in a large city in the South

D) $10 billion in assets and is located in a small city in the West

E) None of the above

Answer: B

67.T he majority of banks today are:

A) Federally chartered

B) Uninsured

C) State Chartered

D) National Banks

E) All of the above

Answer: C

68.‘Member’ banks are:

A) Members of the FDIC

B) National Banks

C) Unit Banks

D) Members of the Federal Reserve

E) All of the above

Answer: D

69. and banks tend to be larger and hold more

of the public’s deposits.

A) National and Member

B) State and Nonmember

C) National and Uninsured

D) State and Insured

E) None of the above

Answer: A

70.W hich of the following is a reason for the rapid growth in branch banks?

A) Exodus of population from cities to suburban areas

B) Bank convergence

C) Business failures

D) Decreased costs of brick and mortar

E) All of the above

Answer: A

71.U nder the Bank Holding Company Act control of a bank is assumed to exist only if:

A) The bank holding company acquires 100% of the bank’s stock

B) The bank holding company acquires 50% or more of the bank’s stock

C) The bank holding company acquires 25% or more the bank’s stock

D) The bank holding company acquires three banks

E) None of the above

Answer: C

72.W hen a bank holding company acquires a nonbank business it must be approved by:

A) The FDIC

B) The Comptroller of the Currency

C) The Federal Reserve

D) The President of the U.S.

E) All of the above

Answer: C

73.M any financial experts believe that the customers most likely to be

damaged by decreased competition include:

A) Large corporations in large cities

B) Households and business in smaller cities and towns

C) Households that earn more than a billion dollars a year

D) Students away at college

E) None of the above

Answer: B

74.A ccording to Levonian and Rose in order to achieve some reduction in

earnings risk, interstate banks must expand into at least:

A) 2 states

B) 4 states

C) 6 states

D) 10 states

E) 25 states

Answer: B

75.T he major competitors of banks have:

A) Fewer but much larger service providers

B) Fewer but smaller service providers

C) More but smaller service providers

D) More but larger service providers

E) None of the above

Answer: A

76.O f the following countries in Europe, which has the largest number of banks?

A) Belgium

B) France

C) Germany

D) Great Britain

E) None of the above

Answer: C

77.W hich country’s banks were owned by the state until the 1990’s?

A) Belgium

B) France

C) Germany

D) Italy

E) None of the above

Answer: D

78.W hen financial service providers offer a range of services including banking,

insurance and securities services it is known as:

A) Consolidation

B) Convergence

C) Economies of scale

D) E-Efficiencies

E) None of the above

Answer: B

79.T he gradual evolution of markets and institutions such that geographic

boundaries do not restrict financial transactions is known as:

A)Deregulation

B)Integration

C)Re-regulation

D)Globalization

E)Moral suasion

Answer: D

80.B anks with less than _______ in assets are generally called community banks.

A)More than $1 billion

B)Less than $1 billion

C)More than $5 million

D)Less than $1 trillion

E)More than $1 trillion

Answer: B

81.N onbank financial firms that supply insurance coverage to customers

borrowing money to guarantee repayment of a loan are referred to as:

A) Merchant Bankers

B) Factoring Companies

C) Savings Associations

D) Investment Bankers

E) Credit Insurance Underwriters

Answer: E

82.A financial holding companies (FHC), defined as a special type of holding

company that may offer the broadest range of financial services such as securities and insurance activities, were allowed under which act?

A) Riegle-Neal Interstate Banking and Branching Efficiency Act

B) The Competitive Equality in Banking Act

C) The Basel Agreement

D) The FDIC Improvement Act

E) The Gramm-Leach-Bliley Financial Services Modernization Act

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。

商业银行管理答案

——培根阅读使人充实，会谈使人敏捷，写作使人精确。商业银行管理重点习题答案 P127 5-11 =800 净利息支出-总利息支出==2*总利息支出净利息收入=总利息收入∵总利息收入= $800 总利息支出∴总利息收入= 2*($800) = $1600 非利息支=-0.25*非利息收入-非利息支出非利息支出净非利息收入=∵非利息收入=0.75*=-500 出= $2000 ∴总非利息收入= 0.75*($2000) = $1500 总非利息支出 = .01*($1600) = $16 ∴贷款损失预提∵贷款损失预提=0.01*总利息收入 =0.3*372=111.6 未缴所得税前净收入所得税=0.3* =372-111.6=260.4 所得税未缴所得税前净收入-∵税后净收入= = -股利=260.4-200=60.4 -未分配利润增加额∴股利=税后净收入 P139 6-12 ROE = 0.80*12 = 9.60 % ROE=ROA*股本乘数∵=9.6/0.6=16 ∴股本乘数 6-13 =12/50=24% /股本ROE=净收入=12/15=80% 税前净收入/赋税管理效率=净收入=15/100=15% 运营收入=税前净收入/成本控制效率=100/600=16.67% 资产=运营收入/资产管理效率=600/50=12 股本资产/=资金管理效率 P150 6-4（题目“资产负债表”内数据有误，书中已改） 空格填写： 1.总利息收入=贷款利息与服务费收入+证券利息与股利=50+6=56 2.利息总支出=存款利息支出+非存款借款的利息支出=40+6=46 3.利息净收入=总利息收入-利息总支出=56-46=10 4.非利息总支出=工资和雇员福利+营业费用+其他非利息开支=10+5+2=17 5.税前经营收入=利息净收入-贷款损失准备金+非利息收入和服务费收入-非利息总支出 =10-5+20-17=8 6.税前净经营收入=税前经营收入+证券收益（损失）=8+2=10 7.净运营收入=税前净经营收入-税赋=10-2=8 法拉兹·日·阿卜——学问是异常珍贵的东西，从任何源泉吸收都不可耻。． 阅读使人充实，会谈使人敏捷，写作使人精确。——培根 8.净收入=净运营收入+特别项目净收入=8+（-1）=7

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。

商业银行经营管理答案

商业银行经营管理答案 一、名词解释1、商业银行：商业银行是以经营工商业存。放款为主要业务，并以获取利润为目的的货币经营企业。2、再贴现再贴现是中央银行通过买进商业银行持有的已贴现但尚未到期的商业汇票，向商业银行提供融资支持的行为。 3、融资租赁融资租赁（Financial Leasing）又称设备租赁（Equipment Leasing）或现代租赁（Modern Leasing），是指实质上转移与资产所有权有关的全部或绝大部分风险和报酬的租赁。 4、流动性风险流动性风险是指商业银行无力为负债的减少和/或资产的增加提供融资而造成损失或破产的风险。流动性风险是指经济主体由于金融资产的流动性的不确定性变动而遭受经济损失的可能性。 商业银行制度：是一个国家用法律形式所确定的该国商业银行体系、结构及组成这一体系的原则的总和。2、回购协议：指在金融市场上，证券持有人在出售证券的同时与证券的购买者之间签订协议，约定在一定期限后按约定价格购回所卖证券，从而获取即时的可用资金的一种交易行为。 3、回租租赁：是指承租人将自有物件出卖给出租人, 同时与出租人签定一份融资租赁合同, 再将该物件从出租人处租回的租赁形式。 4、信贷风险：信贷风险是接受信贷者不能按约偿付贷款的可能性。信贷风险是商业银行的传统风险，是银行信用风险中的一个部分。这种风险将导致银行产生大量无法收回的贷款呆账，将严重影响银行的贷款资产质量，过度的信贷风险可致银行倒闭。 1、单元行制这种制度是以美国为代表的，银行业务完全由总行经营，不设任何分支机构． 2、关注贷款是指尽管借款人目前有能力偿还贷款本息，但存在一些可能对偿还产生不利影响因素的贷款 3、杠杆租赁杠杆租赁是融资租赁的一种特殊方式，又称平衡租赁或减租租赁，即由贸易方政府向设备出租者提供减税及信贷刺激，而使租赁公司以较优惠条件进行设备出租的一种方式。它是目前较为广泛采用的一种国际租赁方式，是一种利用财务杠杆原理组成的租赁形式 4、利率风险利率风险是指市场利率变动的不确定性给商业银行造成损失的可能性 二、填空题 1、以商业银行的组织形式为标准，商业银行可分为单一银行制、分支银行制和集团银行制三种类型。 2、商业银行的广义负债指银行自由资金以外的所有资金来源，包括资本票据和长期债务资本等二级资本的内容。 3、现代商业银行的典型代表，也是现代商业银行始祖是1694 年设立的英格兰银行。 4、商业银行的贷款价格一般包括贷款利率、贷款承诺费、补偿金额和隐含价格四个部分。 1、商业银行的组织结构体系一般可分为决策系统、执行系统、监督系统和管理系统四个系统。 2、银行并购的定价方法一般有贴现现金流量法和股票交换法两种。 (银行并购的定价方法：重置成本法为主，以相对价值法和现金流量折现等法为辅) 3、商业银行的贷款价格一般包括贷款利率、贷款承诺费、补偿金额和隐含价格四个部分。 1、商业银行的经营管理目标（原则）一般表述为盈利性、流动性和安全性三个。 2、商业银行并购的原因一般有①追求规模发展②追求协同效应（经营协同效应，财务协同效应）③管理层利益驱动三个。 3、商业银行发放的担保贷款包括保证贷款、抵押贷款和质押贷款三种。

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。

商业银行经营与管理答案

参考答案 一、名词解释（每题4分，共20分） 1. 易变性存款 对市场利率的波动及外部经济因素变动敏感的存款。该类存款稳定性差，不能作为银行稳定资金的来源。 2. 内部评级法 新巴塞尔协议中用于评定信用风险的方法。指银行内部自身制订的信用评级方法，但需要得到监管当局的明确批准。分为初级和高级，其中初级银行只用自己确定违约概率，而高级中所有数据均有银行制订。适合于管理水平高的银行。 3. 国际保理 指银行买断出口商或债权人的债务并提供一系列综合金融服务的国际银行业务，该买断银行无追索权。这一系列综合服务包括信用调查管理、债款追收和坏账买断等。 4. 利率双限 指银行为管理利率风险而设立的利率上下限，使得利率只能在一定范围内波动，从而避免了利率过度波动带来的银行风险暴露。 5. 补偿余额 指存款人同意将自己存款的一部分存入贷款银行，从而提高了资金使用价格。银行通过要求补偿余额，可以提高贷款的税前收益率，并将存入存款用于扩大信贷规模。 二、判断题（对则划√，错则划×，每题2分，共20分） 1. 资产负债表是总括银行在一定时期全部资产、负债与所有者权益的财务报表，是一个动态会计报表。（） 2. 抵押率低说明银行对贷款比较谨慎，相反则比较宽松。（） 3. 商业银行的流动性需求来自于存款客户的体现需求。（） 4. 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。（） 5. 电子化趋势下，无纸化操作降低了银行监管的难度。（） 6. Z评分模型无法计量客户财务报表外的信用风险。（） 7. 同步准备金计算法主要适用于对非交易性帐户存款准备金的计算。（）

8. 成本加成贷款定价法是以若干大银行同意的优惠利率为基础，考虑到违约风险补偿和期限风险补偿，而后制订贷款利率。（） 9. 《巴塞尔协议》要求商业银行最低核心资本充足限额为风险资产的8%。（） 10. 特殊呆账准备金是依据贷款分类结果按照不同的比例提取的准备金。（） 1. × 2. √ 3. × 4. × 5. × 6. √ 7. × 8. × 9. ×10. × 三简答题（每题12分，共36分） 1. 商业银行并购的动机有哪些？我国银行业并购有哪些特点？ 答：商业银行并购的动力来自于追求利润的要求和竞争压力，而推动银行并购的主体则是股东和银行管理者。银行持股人希望提高他们的财富或减少风险以提高其福利；银行的管理者希望获得更多的利益；股东和管理者都希望从兼并中获得利益。 对股东，若并购增值（即并购后总体价值-并购前两银行单独的价值之和），大于并购的成本，他们便会促成并购。同时并购往往还能带来规模经济和范围经济，这也是股东进行并购的动机。 对管理者，很多时候并非理性地以股东权益最大化为目标，而是追逐自身的利益。如：追求银行规模的扩大；分散风险，使得成本与损失尽可能的低；避免被收购等。 我国银行并购的特点表现为： （1）历史发展短，类型比较单一，并购经验比较缺乏； （2）并购中必要的中介者——投资银行，在我国还处于初级发展阶段，真正意义的投资银行寥寥无几。 （3）我国相当一部分的银行并购并非出于优势互补、提高经营效益的目的，而是在经营混乱、资不抵债后发生的带有接受管理性质的行为。 （4）并购的性质往往并非出于自愿而是政府强制的。 （5）并购的结果往往是低效率，对收购方影响不好。 2. 借款企业的信用支持主要方式有哪些？银行应该如何控制和管理这些信用支持？ 答：借款企业的信用支持是贷款偿还的第二层保障，主要方式有：

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

商业银行管理答案.docx

商业银行管理重点习题答案 P127 5-11 ∵总利息收入=2*总利息支出净利息收入=总利息收入-总利息支出=净利息支出=800 ∴总利息收入= 2*($800) = $1600 总利息支出= $800 ∵非利息收入=0.75*非利息支出净非利息收入=非利息收入-非利息支出=-0.25*非利息支 出=-500 ∴总非利息收入= 0.75*($2000) = $1500 总非利息支出= $2000 ∵贷款损失预提=0.01*总利息收入∴贷款损失预提= .01*($1600) = $16 所得税=0.3*未缴所得税前净收入=0.3*372=111.6 ∵税后净收入=未缴所得税前净收入-所得税=372-111.6=260.4 = -股利 ∴股利=税后净收入-未分配利润增加额=260.4-200=60.4 P139 6-12 ROE = 0.80*12 = 9.60 % ∵ROE=ROA*股本乘数 ∴股本乘数=9.6/0.6=16 6-13 ROE=净收入/股本=12/50=24% 赋税管理效率=净收入/税前净收入=12/15=80% 成本控制效率=税前净收入/运营收入=15/100=15% 资产管理效率=运营收入/资产=100/600=16.67% 资金管理效率=资产/股本=600/50=12 P150 6-4（题目“资产负债表”内数据有误，书中已改） 空格填写： 1.总利息收入=贷款利息与服务费收入+证券利息与股利=50+6=56 2.利息总支出=存款利息支出+非存款借款的利息支出=40+6=46 3.利息净收入=总利息收入-利息总支出=56-46=10 4.非利息总支出=工资和雇员福利+营业费用+其他非利息开支=10+5+2=17 5.税前经营收入=利息净收入-贷款损失准备金+非利息收入和服务费收入-非利息总支出=10-5+20-17=8 6.税前净经营收入=税前经营收入+证券收益（损失）=8+2=10 7.净运营收入=税前净经营收入-税赋=10-2=8

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

商业银行管理学课后习题答案

《商业银行管理学》课后习题及题解 第一章商业银行管理学导论 习题 一、判断题 1. 《金融服务现代化法案》的核心内容之一就是废除《格拉斯－斯蒂格尔法》。 2. 政府放松金融管制与加强金融监管是相互矛盾的。 3. 商业银行管理的最终目标是追求利润最大化。 4. 在金融市场上，商业银行等金融中介起着类似于中介经纪人的角色。 5. 商业银行具有明显的企业性质，所以常用于企业管理的最优化原理如边 际分享原理、投入要素最优组合原理、规模经济原理也适用于商业银行。 6. 金融市场的交易成本和信息不对称决定了商业银行在金融市场中的主体 地 位。 7. 企业价值最大化是商业银行管理的基本目 标。 8. 商业银行管理学研究的主要对象是围绕稀缺资源信用资金的优化配置所 展开的各种业务及相关的组织管理问题。

9. 商业银行资金的安全性指的是银行投入的信用资金在不受损失的情况下 能如期收回。 二、简答题 1. 试述商业银行的性质与功能。 2. 如何理解商业银行管理的目标 3. 现代商业银行经营的特点有哪些 4. 商业银行管理学的研究对象和内容是什么 5. 如何看待“三性”平衡之间的关系 三、论述题 1. 论述商业银行的三性目标是什么，如何处理三者之间的关系。 2. 试结合我国实际论述商业银行在金融体系中的作用。 第一章习题参考答案 一、判断题 1.√ 2.× 3.× 4.√ 5.× 6.√ 7.× 8.√ 9.√

二、略；三、略。 第二章商业银行资本金管理 习题 一、判断题 1. 新巴塞尔资本协议规定，商业银行的核心资本充足率仍为4％。 2. 巴塞尔协议规定，银行附属资本的合计金额不得超过其核心资本的50%。 3. 新巴塞尔资本协议对银行信用风险提供了两种方法：标准法和内部模型法。 4. 资本充足率反映了商业银行抵御风险的能力。 5. 我国国有商业银行目前只能通过财政增资的方式增加资本金。 6. 商业银行计算信用风险加权资产的标准法中的风险权重由监管机关规定。 二、单选题 1. 我国《商业银行资本充足率管理办法》规定，计入附属资本的长期次级债务不得超过核心资本的。 A. 20% B. 50% C. 70% D. 100% 2. 商业银行用于弥补尚未识别的可能性损失的准备金是。 A. 一般准备金 B. 专项准备金 C. 特殊准备金 D. 风险准备金

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