2024智慧树网课答案 商业银行经营管理学（2020春夏） 最新完整智慧树知到满分章节测试答案

第一章 单元测试

1、 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：national bank and state bank .
选项：
A:对
B:错
答案: 【对】

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:对
B:错
答案: 【对】

3、 问题:

The Principal Reasons Financial-service Firms Are Subject to Government Regulation.(       )

选项：
A:

To avoid concentrations of financial power in the hands of a few individuals and institutions.

B:

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.

C:

To control the supply of money and credit in order to achieve a nation's broad economic goals.

D:

To protect the safety of the public's savings.

E:

To ensure equal opportunity and fairness in the public's access to credit and other vital financial services.

答案: 【

To avoid concentrations of financial power in the hands of a few individuals and institutions.

;

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 control the supply of money and credit in order to achieve a nation's broad economic goals.

;

To protect the safety of the public's savings.

;

To ensure equal opportunity and fairness in the public's access to credit and other vital financial services.

】

4、 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  Unit bank.

选项：
A:错
B:对
答案: 【对】

5、 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:错
B:对
答案: 【对】

6、 问题:

美国金融业属于混业经营，混业监管。

选项：
A:对
B:错
答案: 【错】

7、 问题:

In the USA，OCC issues charters for new national banks.

选项：
A:对
B:错
答案: 【对】

8、 问题:

下面对中国金融业和金融监管体制说法正确的是（）

选项：
A:中国目前主要金融监管机构是一行三会
B:中国金融业属于分业经营，混业监管
C:中国目前主要金融监管机构是一行两会
D:中国金融业属于混业经营，分业监管
答案: 【中国目前主要金融监管机构是一行两会】

9、 问题:

中央银行作为金融监管的重要机构，通过制定和实施货币政策进行宏观调控，下面的货币政策工具使用中属于扩张性货币政策的是（）

选项：
A:降低再贴现率
B:在公开市场上出售有价证券
C:窗口指导
D:提高法定存款准备金率
答案: 【降低再贴现率
】

10、 问题:

Economies of scope mean that doubling output of any one service or package of services will result in less than doubling production costs because of greater efficiencies in using the firm`s resources to produce multiple units of the same service package.

选项：
A:对
B:错
答案: 【错】

第二章 单元测试

1、 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:对
B:错
答案: 【对】

2、 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:对
B:错
答案: 【错】

3、 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:错
B:对
答案: 【错】

4、 问题:

Factors of Conditional Pricing method considering in order to price a deposit include (              )

选项：
A:

The average balance held in the account over a designated period.

B:

number of checks written, deposits made, wire transfers, stop-payment orders, or notices of insufficient funds issued.

C:

The maturity of the deposit in days, weeks, or months.

D:the heathy operation of the economy
答案: 【

The average balance held in the account over a designated period.

;

number of checks written, deposits made, wire transfers, stop-payment orders, or notices of insufficient funds issued.

;

The maturity of the deposit in days, weeks, or months.

】

5、 问题:Subordinated debentures belong to core capital of a bank.
选项：
A:错
B:对
答案: 【错】

6、 问题:

Preferred stock represents ownership with investors` claim superior to those of common stockholders but subordinated to those of debtholders.

选项：
A:错
B:对
答案: 【对】

7、 问题:

Selling deposits that usually sets low prices and fees initially to encourage customers to open an account and then raises prices and fees later on, this method of deposit pricing is (        ).

选项：
A:Market penetration deposit pricing
B:Relationship pricing
C:Conditional Pricing
D:Pricing Deposits at Cost Plus Profit Margin

答案: 【Market penetration deposit pricing
】

8、 问题:

Dollar denominated CDs issued outside the U.S. is ()

选项：
A:Euro CDs
B:Domestic CDs
C:Thrift CDs
D:Yankee CDs
答案: 【Euro CDs】

9、 问题:

In the following type of bank capitals, (      ) belong to  Tie 1 capital.

选项：
A:common stock and surplus
B:subordinated debt capital instruments
C:allowance for loan and lease losses
D:undivided profits
答案: 【common stock and surplus;
undivided profits】

10、 问题:

提出维持银行稳健运营的三大支柱是最低资本充足率、外部监管与银行内部控制相结合和市场约束的是（）。

选项：
A:Basell 3
B:Basell 2
C:多德弗兰克法案
D:Basell 1
答案: 【Basell 2】

第三章 单元测试

1、 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:对
B:错
答案: 【对】