在线测试
测试总体情况
满分分数30.0 分
参加⼈数257 ⼈
教师批语
一单项选择题
试题1满分值:1.0分 状态:已答
班级现状分析When $1 million is deposited at a bank, the required rerve ratio is 20 percent, and the bank choos not to make any loans but to hold excess rerves instead, then, in the bank’s final balance sheet,
the asts at the bank increa by $1 million.
the liabilities of the bank decrea by $1 million.
rerves increa by $200,000.
liabilities increa by $200,000.
[我的答案] the asts at the bank increa by $1 million.
试题2满分值:1.0分 状态:已答
马蹄雪梨汤When you deposit $50 in your account at First National Bank and a $100 check you have written on this account is cashed at Chemical Bank, then
the asts of First National ri by $50.
the asts of Chemical Bank ri by $50.
the rerves at First National fall by $50.
the liabilities at Chemical Bank ri by $50.
[我的答案] the rerves at First National fall by $50.
试题3满分值:1.0分 状态:已答
When a $10 check written on the First National Bank of Chicago is deposited in an account at Citibank, then
the liabilities of the First National Bank increa by $10.
the rerves of the First National Bank increa by $ 10.
the liabilities of Citibank increa by $10.
the asts of Citibank fall by $10.
[我的答案] the liabilities of the First National Bank increa by $10.
试题4满分值:1.0分 状态:已答
When you deposit $50 in currency at Old National Bank,
its asts increa by less than $50 becau of rerve requirements.
its rerves increa by less than $50 becau of rerve requirements.
its liabilities increa by $50.
its liabilities decrea by $50.
[我的答案] its liabilities increa by $50.
试题5满分值:1.0分 状态:已答
When Jane Brown writes a $100 check to her nephew (who lives in another state), Ms. Brown’s bank ________ asts of $100 and ________ liabilities of $100.
gains; gains
gains; los
los; gains
los; los
[我的答案] los; los
试题6满分值:1.0分 状态:已答
Ast transformation can be described as
borrowing long and lending short.
borrowing short and lending long.
borrowing and lending only for the short term.
borrowing and lending for the long term.
[我的答案] borrowing short and lending long.
试题7满分值:1.0分 状态:已答
Banks earn profits by lling ________ with attractive combinations of liquidity, risk, and return, and using the proceeds to buy ________ with a different t of characteristics.
loans; deposits
curities; deposits
liabilities; asts
asts; liabilities
[我的答案] liabilities; asts
试题8满分值:1.0分 状态:已答
The most important category of asts on a bank’s balance sheet is
discount loans.
curities.
loans.
cash items in the process of collection.
[我的答案] loans.
试题9满分值:1.0分 状态:已答
Banks’ ast portfolios include state and local government curities becau
their interest payments are tax deductible for federal income taxes.
banks consider them helpful in attracting accounts of Federal employees.
the Federal Rerve requires member banks to buy curities from state and local governments located within their respective Federal Rerve districts.
粉红女郎歌曲there is no default-risk with state and local government curities.
[我的答案] their interest payments are tax deductible for federal income taxes.
试题10满分值:1.0分 状态:已答
Becau of their ________ liquidity, ________ U.S. government curities are called condary rerves.
low; short-term
low; long-term
high; short-term
high; long-term
[我的答案] high; short-term
试题11满分值:1.0分 状态:已答
Which of the following bank asts is the most liquid?
Consumer loans
Rerves
Cash items in process of collection
U.S. government curities
[我的答案] Rerves
试题12满分值:1.0分 状态:已答
Through correspondent banking, large banks provide rvices to small banks, including
loan guarantees.
foreign exchange transactions.
issuing stock.
debt reduction.
[我的答案] foreign exchange transactions.
试题13满分值:1.0分 状态:已答
Which of the following are reported as asts on a bank’s balance sheet?
Borrowings
Rerves
Savings deposits
Bank capital
[我的答案] Rerves
试题14满分值:1.0分 状态:已答
Bank rerves include
deposits at the Fed and short-term treasury curities.
vault cash and short-term Treasury curities.
vault cash and deposits at the Fed.新生儿社保卡怎么办理
deposits at other banks and deposits at the Fed.
[我的答案] vault cash and deposits at the Fed.
试题15满分值:1.0分 状态:已答
Bank capital is equal to ________ minus ________.
total asts; total liabilities
total liabilities; total asts
total asts; total rerves
total liabilities; total borrowings
[我的答案] total asts; total liabilities
试题16满分值:1.0分 状态:已答
Bank loans from the Federal Rerve are called ________ and reprent a ________ of funds.
discount loans; u
discount loans; source
fed funds; u
fed funds; source
[我的答案] discount loans; source
试题17满分值:1.0分 状态:已答
Banks acquire the funds that they u to purcha income-earning asts from such sources as
cash items in the process of collection
savings accounts.
rerves.
deposits at other banks.
[我的答案] savings accounts.
试题18满分值:1.0分 状态:已答
Becau ________ are less liquid for the depositor than ________, they earn higher interest rates.
passbook savings; time deposits
money market deposit accounts; time deposits
money market deposit accounts; passbook savings
time deposits; passbook savings
[我的答案] time deposits; passbook savings
试题19满分值:1.0分 状态:已答
Large-denomination CDs are ________, so that like a bond they can be resold in a ________ market before they mature.
nonnegotiable; condary
nonnegotiable; primary
negotiable; condary
negotiable; primary
[我的答案] negotiable; condary
试题20满分值:1.0分 状态:已答
Which of the following is not a nontransaction deposit?
Savings accounts
Small-denomination time deposits
Negotiable order of withdrawal accounts
Certificate of deposit
[我的答案] Negotiable order of withdrawal accounts
试题21满分值:1.0分 状态:已答
Which of the following are transaction deposits?
Savings accounts
Small-denomination time deposits
Negotiable order of withdraw accounts
Certificates of deposit
[我的答案] Negotiable order of withdraw accounts
试题22满分值:1.0分 状态:已答
Becau checking accounts are ________ liquid for the depositor than passbook savings, they earn ________ interest rates.
less; higher
less; lower
more; higher
more; lower
[我的答案] more; lower
试题23满分值:1.0分 状态:已答
Which of the following statements are true?
Checkable deposits are payable on demand.
Checkable deposits do not include NOW accounts.
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Checkable deposits are the primary source of bank funds.
Demand deposits are checkable deposits that pay interest.
[我的答案] Checkable deposits are payable on demand.
试题24满分值:1.0分 状态:已答
In recent years the interest paid on checkable and time deposits has accounted for around ________ of total bank operating expens, while the costs involved in rvicing accounts have been approximately ________ of operating expens.
45 percent; 55 percent
55 percent; 4 percent
25 percent; 50 percent
50 percent; 30 percent
[我的答案] 25 percent; 50 percent
试题25满分值:1.0分 状态:已答
Which of the following statements is fal?
Checkable deposits are usually the lowest cost source of bank funds.
Checkable deposits are the primary source of bank funds.
Checkable deposits are payable on demand.
Checkable deposits include NOW accounts.
[我的答案] Checkable deposits are the primary source of bank funds.
试题26满分值:1.0分 状态:已答
The share of checkable deposits in total bank liabilities has
expanded moderately over time.
expanded dramatically over time.
shrunk over time.
remained virtually unchanged since 1960.
[我的答案] shrunk over time.
试题27满分值:1.0分 状态:已答
Which of the following are reported as liabilities on a bank’s balance sheet?
Discount loans
Rerves
U.S. Treasury curities
Loans
[我的答案] Discount loans
试题28满分值:1.0分 状态:已答
Which of the following are reported as liabilities on a bank’s balance sheet?河北考试教育院
Rerves踽踽的意思
Checkable deposits
Loans
Deposits with other banks
[我的答案] Checkable deposits
试题29满分值:1.0分 状态:已答
Which of the following statements is fal?
A bank's asts are its us of funds.
A bank issues liabilities to acquire funds.
The bank's asts provide the bank with income.
Bank capital is recorded as an ast on the bank balance sheet.
[我的答案] Bank capital is recorded as an ast on the bank balance sheet.
试题30满分值:1.0分 状态:已答
Which of the following statements are true?
A bank's asts are its sources of funds.
A bank's liabilities are its us of funds.
A bank's balance sheet shows that total asts equal total liabilities plus equity capital.季节性皮肤过敏
A bank's balance sheet indicates whether or not the bank is profitable.
[我的答案] A bank's balance sheet shows that total asts equal total liabilities plus equity capital.