2019 商业银行经营管理学(齐鲁工业大学) 最新满分章节测试答案
- Investment Function of Banks and Financial Service Management
- Introduction of Environment that Commercial Bank Faces
- Funds Collection Management of Banks and its competitors
- Loan Policy and Process
- Cash Assets of Commercial Banks
- Out-Balance-Sheet Business
- International Business
- Asset-Liabilities Management and Risk Aversion
本答案对应课程为:点我自动跳转查看
本课程起止时间为:2019-12-22到2019-12-23
本篇答案更新状态:已完结
Investment Function of Banks and Financial Service Management
1、 问题:商业银行二级准备的内容主要包括____。(a)短期国库券 (b)短期票据 (c)中期贷款 (d)金融债券 (e)在途资金
选项：
A:短期国库券
B:短期票据
C:中期贷款
D:金融债券
E:在途资金
答案: 【短期国库券;
短期票据】
2、 问题:我国商业银行可以直接进行各种股票和证券投资，开展类似于证券公司的业务。
选项：
A:正确
B:错误
答案: 【错误】
3、 问题:商业银行可以通过在免税的市政债券和不免税但名义收益率高的国债之间进行组合，起到合理避税效果，尽可能提高证券组合的收益率。
选项：
A:正确
B:错误
答案: 【正确】
4、 问题:商业银行证券投资的收益主要包括（ ）和（ ）。
答案: 【利息收入，资本损益或资本利得或买卖价差】
5、 问题:商业银行的资金成本是指为服务客户存款而支付的一切费用，包括（）与（）。
答案: 【利息成本 营业成本】
Introduction of Environment that Commercial Bank Faces
1、 问题:The Principal Reasons Financial-service Firms Are Subject to Government Regulation.( )
选项：
A: To protect the safety of the public’s savings.
B:To control the supply of money and credit in order to achieve a nation’s broad economic goals.
C:To ensure equal opportunity and fairness in the public’s access to credit and other vital financial services.
D:To promote public confidence in the financial system, so that savings flow smoothly into productive investment, and payments for goods and services are made speedily and efficiently.
E:To avoid concentrations of financial power in the hands of a few individuals and institutions.
答案: 【 To protect the safety of the public’s savings.;
To control the supply of money and credit in order to achieve a nation’s broad economic goals.;
To ensure equal opportunity and fairness in the public’s access to credit and other vital financial services.;
To promote public confidence in the financial system, so that savings flow smoothly into productive investment, and payments for goods and services are made speedily and efficiently.;
To avoid concentrations of financial power in the hands of a few individuals and institutions. 】
2、 问题:In the United States, banks are regulated through a dual banking system; that is, both federal and state authorities have significant regulatory powers.
选项：
A:正确
B:错误
答案: 【正确】
3、 问题:A bank holding company is simply a corporation chartered for the purpose of holding the stock (equity shares) of at least one bank.
选项：
A:正确
B:错误
答案: 【正确】
4、 问题:In the U.S a bank is defined by federal and state laws and by bank regulators，so that we can divide the commecial banks in the U.S into two kinds：（ ）and ( ).
答案: 【national bank; state bank】
5、 问题:Offer all of their services from one office, although some services (such as taking deposits, cashing checks, or paying bills) may be offered from limited-service facilities, such as drive-up windows and automated teller machines (ATMs) that are linked to the bank’s computer system，this organization structure is ( )
答案: 【Unit bank】
Funds Collection Management of Banks and its competitors
1、 问题:Factors of Conditional Pricing method considering in order to price a deposit include ( )
选项：
A:number of checks written, deposits made, wire transfers, stop-payment orders, or notices of insufficient funds issued.
B:The average balance held in the account over a designated period.
C:The maturity of the deposit in days, weeks, or months.
D:the heathy operation of the economy
答案: 【number of checks written, deposits made, wire transfers, stop-payment orders, or notices of insufficient funds issued. ;
The average balance held in the account over a designated period.;
The maturity of the deposit in days, weeks, or months.】
2、 问题:由于各国金融体制的差异和金融市场发达的程度不同，各国银行的负债结构不尽相同；即使在同一国家的同一家银行，由于经济发展和金融环境的变化，其负债结构也处于不断变化的过程中。但不管是在哪一个国家，存款始终是银行的主要负债，也是银行经常性资金的来源；借入负债的比重则随金融市场的发展而不断有所上升。
选项：
A:正确
B:错误
答案: 【正确】
3、 问题:商业银行的存款作为主要资金来源其规模应该是越多越好。
选项：
A:正确
B:错误
答案: 【错误】
4、 问题:利用成本价利润定价法可以用来确定合适的存款利率
选项：
A:正确
B:错误
答案: 【错误】
5、 问题:Subordinated debentures belong to core capital of a bank.
选项：
A:正确
B:错误
答案: 【错误】
Loan Policy and Process
1、 问题:贷款抵押或担保相当于变相提高了借款人的信用等级，所以对于担保贷款就不需要做贷后检查了。
选项：
A:正确
B:错误
答案: 【错误】
2、 问题:向处于生命周期成熟期的企业发放贷款风险最小，因为这类企业现金流入稳定，偿债能力强。
选项：
A:正确
B:错误
答案: 【正确】
3、 问题:CAMELS Rating System includes six aspects of regulation authorities regulating the banks, the six aspects are( )( )( )( )( )( ).
本文章不含期末不含主观题！！
本文章不含期末不含主观题！！
支付后可长期查看
有疑问请添加客服QQ 2356025045反馈
如遇卡顿看不了请换个浏览器即可打开
请看清楚了再购买哦，电子资源购买后不支持退款哦
