2020 商业银行经营与管理(江西财经大学) 最新满分章节测试答案

文章目录[隐藏]

第一章导论第一章单元测试题
【作业】第一章导论 What is a bank？

本答案对应课程为:点我自动跳转查看
本课程起止时间为:2020-02-17到2020-07-01
本篇答案更新状态:已完结

第一章导论第一章单元测试题

1、问题:In the United States, a commercial bank qualifies as a "bank" under federal law if it offers:
选项：
A:A.consumer installment loans, CDs.
B:B.trust services, commercial loans.
C:C.checking accounts, commercial loans.
D:D.commercial deposit accounts, consumer savings plans.
答案: 【C.checking accounts, commercial loans.】

2、问题:A bank which manages the investment portfolio and pays the bills of an elderly customer who is unable to do it for him or herself is carrying out the ____ of banks.
选项：
A:A.intermediation role
B:B.payment role
C:C.guarantor role
D:D.agency role
答案: 【D.agency role】

3、问题:Which of the following is not a current trend in the banking industry?
选项：
A:A.The number of banks is declining
B:B.The number of bank branches is declining
C:C.The number of bank competitors is increasing
D:D. Bank industry convergence
答案: 【B.The number of bank branches is declining】

4、问题:Which of the following types of banks would most likely offer the largest number of financial services virtually?
选项：
A:A.A community bank
B:B.A retail bank
C:C.A universal bank
D:D.An international bank
答案: 【C.A universal bank】

5、问题:Wholesale banks are those banks that:
选项：
A:A.Wholesale banks are those banks that:
B:B.only make loans to the wholesale industry.
C:C.serve corporations and government.
D:D. have only retail customers.
答案: 【C.serve corporations and government.】

6、问题:During the middle ages, banks encountered religious opposition because:
选项：
A:A.loans and deposits were primarily for wealthy customers.
B:B.loans to the poor often carried high interest rates.
C:C.the Industrial Revolution demanded new methods of making payments and obtaining credit.
D:D.savings and wealth were lost due to war, theft, and expropriation by governments.
答案: 【B.loans to the poor often carried high interest rates.】

7、问题:The Edmond Wine and Cheese shop wants to buy 30 cases of French Champagne on credit. Bank of America writes a letter of credit stating that the Edmond Wine and Cheese shop is a good risk and that if they do not pay off the loan, Bank of America will. Which of the following roles is the bank performing?
选项：
A:A.The payments role
B:B.The intermediation role
C:C.The risk management role
D:D.The guarantor role
答案: 【D.The guarantor role】

8、问题:Nick Rodr gets a loan from the First State Bank of Guthrie to purchase a new refrigerator for his condo. What service that a bank provides is he taking advantage of?
选项：
A:A.Risky arbitrage services
B:B.Liquidity services
C:C.Credit services
D:D.Delegated monitoring services & Divisibility of money services
答案: 【C.Credit services】

9、问题:Which of the following are the implied motivators of reforms that have taken place in the banking sector since the credit crisis of 2007-2009?
选项：
A:A.Increased disclosure of credit charges and other consumer expenses
B:B.Increased dominance of the largest financial firms & Increased number of bank branches
C:C.Increased liquidity
D:D.Increased speed of innovation and invention
答案: 【D.Increased speed of innovation and invention】

10、问题:Which of the following is considered a depository financial institution?
选项：
A:A.Money market funds
B:B.Savings and Loan associations