商业银行管理学习题1
Chapter 1
An Overview of the Changing Financial-Services Sector
Fill in the Blank Questions
1. _______________________ is a traditional rvice provided by banks in which the banks store the valuables of their customers and certify their true value.
Answer: Safekeeping of valuables 贵重物品的保管
九牧林
2. _______________________ 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 货币兑换
3. _______________________ is a rvice provided by banks where the bank lends money to individuals for the purcha of durable and other goods.
Answer: Consumer lending 消费者贷款
4. ___________________________ is an alternative to lending in which the financial institution
purchas the equipment and rents it to its customers.
Answer: Equipment leasing rvices 设备租赁业务
5. The___________________________ is a landmark act which allows financial rvice providers to offer an expanded menu of financial rvices for the customer. This law allows banks to truly become
conglomerate financial rvice providers.
Answer: Financial Services Modernization Act (Gramm-Leach-Bliley Act) 金融服务现代化
法案
6. The country with the most banks is _______________________.
Answer: United States
7. Banks which rve primarily houholds and small firms are known as ____________ banks.
光面爆破Answer: retail 零售
直短发8. Banks that ll deposits and make loans to business and individuals are known as ______banks.
Answer: commercial 商业
9. Banks which underwrite issues of new curities for their corporate customers are known as
________ banks. 为公司债券的发行进行承销的银行称为
想念爸妈
Answer: investment 投资
10. Banks which function under a federal charter through the Comptroller of the Currency in the
United States are known as ____________ banks. 在美国向联邦政府货币监理局注册的银行Answer: National 国民银行
True/Fal Questions
T F 1. According to the textbook, banks are tho financial institutions that today offer the widest range of financial rvices of any business firm in the economy.
Answer: True
T F 2. The role performed by banks in the economy in which they transform savings into credit is known as the intermediation（中介） role.
Answer: True
T F 3. The role performed by banks in which they stand behind their customers when tho customers are unable to pay a debt obligation is known as the guarantor（担保） role.
Answer: True
T F 4. Today U.S. banks account for approximately fifty percent of the largest banks in the world.
Answer: Fal郭峰
Multiple Choice Questions
1. In the United States a commercial bank qualifies as a "bank" under federal law if it offers:
A) Consumer installment loans消费者分期偿还贷款, CDs
B) Savings deposits, commercial loans
C) Checking accounts, commercial loans
D) Security investments, inventory loans to business customers企业存货贷款
E) Commercial deposit accounts, consumer savings plans
Answer: C
2. A study of history shows that one of the first rvices offered by banks was:
A) Equipment Leasing
B) Currency Exchange
C) Security Brokerage and Underwriting证券经纪和承销
D) Sale of Real Estate 固定资产出售
E) None of the above
Answer: B
3.Which of the following has been an important trend regarding consolidation and geographic
expansion in banks? 以下哪一项是银行合并及地理扩张的重要趋势
A) Incread bank branching activity 银行分支机构数量增加
B) The formation of more holding companies to purcha smaller banks 持股公司购买小银行
个人思想报告C) Mergers among some of the largest banks in the industry最大银行兼并
精神文明建设标语D) A and C above
E) All of the above.
Answer: E
4. Smaller, locally focud commercial and savings banks that offer narrower but more personalized
menu of financial rvices are known as:
A) Money center banks 货币中心银行
B) Community banks 社区银行
C) Mutual Funds 共同基金
D) State banks 州银行
E) Fringe banks. 外围银行
Answer: B
5. Examples of imperfections in the financial system which allow banks to exist include which of the
following?
A) Informational asymmetry 信息不对称
B) Efficiency of markets 市场效率
C) All individuals and business have full information about all investment opportunities.
个人和企业对投资机会拥有充分的信息
D) All individuals and business have no difficulty meeting their liquidity needs on their own.
E) All of the above are examples of the imperfections that exist.
