2016 2016春金融学基础(电子科技大学) 最新满分章节测试答案

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本课程起止时间为:2016-03-14到2016-06-30
本篇答案更新状态:已完结

【作业】模块一：金融和金融系统 《模块一：金融和金融系统》单元作业1

小提示:本节包含奇怪的同名章节内容

1、 问题:Assume there are only two stocks traded in the stock market, and you are trying to construct an index to show what has happened to stock prices. Let us say that in the base year the prices were $20 per share for stock 1 with 100 million shares outstanding and $10 for stock 2 with 50 million shares outstanding. A year later, the prices are $30 per share for stock 1 and $2 per share for stock 2. Using the approaches of market-weighted and simple-averaged to construct two types of stock indexes showing what has happened to the overall stock market, respectively. Which of the two methods do you prefer and why? (Referred to APPENDIX of Chapter 2 in textbook).
评分规则: 【

The total value of all stocks increased from 2.5 billion in base year to 3.1 billion a year later, which is a 24% increase. So the S&P-Type Index that I prefer accurately reflects what has happened to the total market value of all stocks.
】

2、 问题:Assume there are only two stocks traded in the stock market, and you are trying to construct an index to show what has happened to stock prices. Let us say that in the base year the prices were $20 per share for stock 1 with 100 million shares outstanding and $10 for stock 2 with 50 million shares outstanding. A year later, the prices are $30 per share for stock 1 and $2 per share for stock 2.Using the approaches of market-weighted and simple-averaged to construct two types of stock indexes showing what has happened to the overall stock market, respectively. Which of the two methods do you prefer and why? (Referred to APPENDIX of Chapter 2 in textbook).
评分规则: 【

The total value of all stocks increased from 2.5 billion in base year to 3.1 billion a year later, which is a 24% increase. So the S&P-Type Index that I prefer accurately reflects what has happened to the total market value of all stocks.
】

模块一：金融和金融系统 《模块一：金融和金融系统》单元测验

小提示:本节包含奇怪的同名章节内容

1、 问题:A business firm’s decision between financing the purchase of a delivery van by taking out a loan or by leasing is an example of (                 )
选项：
A:capital-budgeting decision
B:working capital management decision
C:capital structure decision
D:risk management decision
答案: 【capital structure decision】

2、 问题:In order to protect against a drop in price of the stocks you hold, you decide to lock in stock prices by signing a contract with financial intermediaries. What is the type of financial decision you make in the example? (                 )
选项：
A:Consumption and saving decision
B:Investment decision
C:Financing decision
D:Risk-management decision
答案: 【Risk-management decision】

3、 问题:Suppose you want to invest in the U.S. Treasury bills (T-bills). The minimum denomination is $100,000 and you have only $1,000. Therefore, you choose to invest your $1,000 in U.S. T-bill mutual funds at a price of $10 per share. Which function of financial systems does the mutual fund perform in doing this way? (                   )
选项：
A:polling resources and subdividing shares
B:providing information
C:clearing and settling payments
D:dealing with incentive problem
答案: 【polling resources and subdividing shares】

4、 问题:In following businesses, ①—>②—>③ is the order of flow of funds of  （              ）
选项：
A:You buy an insurance policy and insurance company then uses premiums to buy bonds
B:You buy some bonds issued by China Construction Bank (CCB) and CCB then makes loans to families and firms
C:You buy bonds
D:You deposit your money into banks and banks then make loans to firms
答案: 【You buy some bonds issued by China Construction Bank (CCB) and CCB then makes loans to families and firms】

5、 问题:The discipline of finance is devoted to understanding resource allocation problems of a particular nature. The two distinguishing characteristics of financial decisions are (             ）
选项：
A:the roles of time and conditions of uncertainty
B:assets and liabilities
C:human and financial capital
D:time and natural resources
答案: 【the roles of time and conditions of uncertainty】

6、 问题:Investment banks’ primary function is not to  (                          )
选项：
A:underwrite the securities they distribute
B:help business or governments raise funds to finance their activities by issuing securities
C:facilitate and sometimes initiate mergers of firms or acquisitions of one firm by another
D:take deposits and make loans
答案: 【take deposits and make loans】

7、 问题:Which of the following statements is not true? (                  )
选项：
A:Financial institutions exist in order to facilitate the satisfaction of people’s consumption preferences
B:Finance is the study of how people allocate scarce resources over time and under conditions of uncertainty
C:Usually, we can know the costs and benefits of financial decisions with certainty in advance
D:Financial system involves the regulatory bodies that govern financial markets, financial intermediaries and financial service firm
答案: 【Usually, we can know the costs and benefits of financial decisions with certainty in advance】

8、 问题:The roles of time and conditions of uncertainty are the two distinguishing characteristics of financial decisions
选项：
A:正确
B:错误
答案: 【正确】

9、 问题:Stock is one of the financial instruments traded on the money market.
选项：
A:正确
B:错误
答案: 【错误】

10、 问题:The fact that banks are less likely to make loans to applicants who cannot provide the collaterals is an example of moral hazard.
选项：
A:正确
B:错误
答案: 【错误】

11、 问题:The fact that banks that do checks of the credit history of potential borrowers are more likely to attract higher quality borrowers than banks that do not check the credit history is an example of moral hazard.
选项：
A:正确
B:错误
答案: 【正确】

12、 问题:The fact that you are less likely to take care of yourself when you have bought a health insurance than when you have not been insured is an example of adverse selection.
选项：
A:正确
B:错误
答案: 【错误】

13、 问题:In the financial system, the flow of funds must be bundled with the flow of risks.
选项：
A:正确
B:错误
答案: 【错误】

14、 问题:Because of the moral hazard caused by asymmetric information about the true types of borrowers, a bank without checking borrowers’ credit history were more likely to attract borrowers with poor quality compared to banks that did checks of credit history.
选项：
A:正确
B:错误
答案: 【错误】

15、 问题:The goal of corporate management is to maximize the firm’s profits.
选项：
A:正确
B:错误
答案: 【错误】

16、 问题:Generally, high-quality old cars do not tend to enter the “second-hand car” market just because of the moral hazard problem.
选项：
A:正确
B:错误
答案: 【错误】

17、 问题:In following businesses, ①—>②—>③ is the order of flow of funds of  （              ）
选项：
A:You buy an insurance policy and insurance company then uses premiums to buy bonds
B:You buy some bonds issued by China Construction Bank (CCB) and CCB then makes loans to families and firms
C:You buy bonds
D:You deposit your money into banks and banks then make loans to firms
答案: 【You buy some bonds issued by China Construction Bank (CCB) and CCB then makes loans to families and firms】

【作业】模块一：金融和金融系统 《模块一：金融和金融系统》单元作业2

1、 问题:Some say the only criterion to use in predicting what will serve as money in the future is the real resource cost of producing it, including the transaction costs of verifying its authenticity. According to this criterion what do you think will be the money of the future?
评分规则: 【 只需结合金融创新的原因和金融系统的功能给出合适的解释和说明即可给40以上，特别清晰、新颖的解释可给50分。若没有结合金融创新和金融系统的功能，最高分不超过40分。
】

模块二：资金的时间价值和跨时期优化 《模块二：资金的时间价值和跨时期优化》单元测验

1、 问题:If you put $1000 into an account today earning an interest rate of 5%. What are the simple interest and compound interest? 
选项：
A:$1276.28, $250
B: $1276.28, $26.28
C: $250, $26.28
D: $26.28, $250
答案: 【 $250, $26.28】

2、 问题:Suppose you saving account earns an annual percentage rate (APR) 6% which is compounded semiannually, then the effective annual rate (EFF) should be (        )
选项：
A:6%
B:6.09%
C:6.17%
D:6.18%
答案: 【6.09%】

3、 问题:What is the present value of $100 to be received in 4 years at an interest rate of 6% per year?
选项：
A:$126.25
B:$100
C:$79.21
D:$61.8
答案: 【$79.21】

4、 问题:Suppose you deposit $1000 now and then $2000 a year from now. How much will you have two years from now, if the interest rate is 10% per year?
选项：
A:$3000
B:$3210
C:$3200
D:$3410
答案: 【$3410】

5、 问题:You take a one-year installment loan of $1000 at an interest rate of 12% per year (1% per month) to be repaid in 12 equal monthly payments. What is the monthly payment?
选项：
A:$88.85
B:$90.25
C:$86.25
D:$87.25
答案: 【$88.85】

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