Chapter 13
Managing Nondeposit Liabilities
Fill in the Blank Questions
1. Dollar denominated CDs issued outside the U.S. are called _________________________.
Answer: Eurodollar CDs
2. The CDs large foreign banks ll through their U.S. branches are called _________________________.
Answer: Yankee CDs
3. When a bank buys funds from other financial institutions in order to cover good quality loan demand and to satisfy deposit rerve requirements they are practicing _________________________.
Answer: liability management
4. When the first priority of a bank is to make loans to all good quality loan customers they are following the _________________________.
Answer: customer relationship doctrine
5. Originally __________________ consisted exclusively of deposits held by U.S. banks at the Federal Rerve banks which were loaned from one bank to another.
Answer: federal funds
6. _________________________ is the short-term notes, with maturities ranging from 3 to 4 days to 9 months, issued by well known companies.
手胼足胝Answer: Commercial paper
7. A _________________________ is the temporary sale of high-quality, easily-liquidated asts accompanied by the agreement to buy back tho asts on a future sp
ecific date at a predetermined price.
Answer: repurcha agreement
8. Becau the interest rate on CDs, commercial paper and other nondeposit borrowings (except borrowings from the Federal Rerve discount window) are determined by supply and demand conditions in the market they all face __________________ risk.
Answer: interest rate 雷锋做过的好事
9. The spread between current and expected loans and investments and the current and expected deposit inflows and other sources of funds is known as the _________________________.
寇准传
Answer: funds gap
10. A(n) _________________________ is an interest bearing receipt for funds issued by a bank with a minimum denomination of $100,000.
Answer: negotiable (jumbo) CD
11. Becau there is a danger that the bank in need of funds will not be able to find someone willing to grant the bank a loan at a reasonable rate, they face _________________________.
Answer: credit availability risk
12. The Federal Rerve will make loans through its _________________________.
Answer: discount window
13. The curities most often ud in a repurcha agreement are _________________________.
Answer: T-Bills
14. Virtually all nondeposit borrowing of a bank are ______-term rather than _______-term debt.
Answer: short, long
15. Repurcha Agreements (RPs) are very similar to Federal Funds and are often viewed as ____________ federal funds transactions.
Answer: collateralized
16. A repurcha agreement (RP) whereby the collateral is specifically identified is known as a conventional or ____________ RP.
无服务是卡的问题还是手机的问题Answer: fixed-collateral
17. A ______________ repurcha agreement (RP) is one in which the underlying collateral is not identified precily and thus allows some substitution.
Answer: General Collateral Finance
18. The type of discount window loan with generally the highest rates of interest is known as ___________ credit.
Answer: condary
19. The type of discount window loan with generally the lowest rate of interest is known as __________ credit.
Answer: asonal
20.Federal Rerve balances of banks can be transferred from one institution to another in conds through the Fed’s wire transfer network called the .
Answer: Fedwire
21.One of the three types of loans in the Fed Funds market, are unwritten agreements, negotiated via wire or telephone, with the borrowed funds returned the next day.
Answer: overnight loans
22.One of the three types of loans in the Fed Funds market, are longer-
term Fed Funds contracts lasting veral days, weeks or months, often accompanied by a written contract.
Answer: term loans
雪怪图片23.One of the three types of loans in the Fed Funds market, are automatically renewed each day unless either the borrower or lender decides to end this agreement.
redbend
Answer: continuing contracts
十捉九着
24.When financial institution borrows in the RP market, this loan is listed as 押金是什么意思 .
Answer: Securities Sold under Agreements to Repurcha
