《商业银行经营学》(复习提纲）
1、Fill in the Blank Questions
(1)________is a newer service provided by banks where the bank lends money to individuals for the purchase of durable and other goods。
(2)A bank which now offers all of the available financial services is known as a __________bank。
(3)The short term securities of the bank， including T—Bills and commercial paper, are often called _________because they are the second line of defense to meet demands for cash.
(4)__________ can be held by individuals and nonprofit institutions, bear interest and permit drafts from being written against the account to pay third parties.
(5)A（n)__________ allows the holder the right to either sell securities to another investor
（put) or buy securities from another investor (call) for a set price before the expiration date。
(6)A(n) _____________is a contingent claim of the bank that issues it。  The issuing bank， in return for a fee, guarantees the repayment of a loan received by its customer or the fulfillment of a contract made by its customer to a third party。
(7)Debt instruments issued by cities, states and other political entities and which are exempt from federal taxes are collectively known as _______________.
(8)The _____________is the total difference between its sources and uses of funds.
(9)When a customer is charged based on the number and kinds of services used, with the customers that use a number of services being charged less or having some fees waived， this is called _____________pricing。
(10)Core capital such as common stock， surplus, undivided profits， qualifying noncumulative preferred stock, etc. is referred to as _____________ capital as defined by
the Basel agreement。
2、True/False Questions
(1)The role performed by banks in the economy in which they transform savings into credit is known as the intermediation role(  ).
(2)In the United States， fixed fees charged for deposit insurance, regardless of how risky a bank is, led to a problem known as moral hazard（  ）。
(3)A bank’s ROA equals its ROE times the ratio of total assets divided by total equity capital(  ）。
(4)Charge-offs represent securities a bank decides to sell because they have declined in value（  )。
(5)A liability—sensitive bank will experience an increase in its net interest margin if interest rates rise（  )。
(6)The buyer of a loan participation must watch both the borrower and the seller bank closely（  )。
(7)Prepayment risk on securitized assets generally increases when interest rates rise（  )。
(8)When a bank temporarily offers higher than average interest rates or lower than average customer fees in order to attract new business they are practicing conditional pricing（  ).
(9)Recent research suggests that interest-rate contracts display considerably less risk exposure than do foreign—currency contracts(  ）。
(10)The long hedge in financial futures contracts is most likely to be used in situations where a bank would suffer losses due to rising interest rates(  ).
3、Multiple Choice Questions
（1) Drew Davis goes to his local bank to get help developing a financial plan and making investment decisions.  Which of the more recent services banks offer is Drew taking advantage of ?
A）  Getting a consumer loan
B）  Getting financial advice
C)  Managing cash
D)  Getting venture capital services
E）  Buying a retirement plan
Answer: 
(2) Banks are regulated for which of the reasons listed below？
    A）    Banks are leading repositories of the public’s savings.
    B)    Banks have the power to create money.
    C)    Banks provide businesses and individuals with loans that support consumption and investment spending.
    D)    Banks assist governments in conducting economic policy, collecting taxes and dispensing government payments.
    E)    All of the above。
Answer:
（3)Nonperforming loans are credits on which any scheduled loan repayments and interest payments are past due for more than:
    A)    30 days
    B）    60 days
    C）    90 days
    D)    180 days
    E)    None of the above.
Answer: 
（4）margin rate A bank is asset sensitive if its:
    A)    Loans and securities are affected by changes in interest rates.
    B)    Interest—sensitive assets exceed its interest—sensitive liabilities。
    C)    Interest—sensitive liabilities exceed its interest-sensitive assets。
    D）    Deposits and borrowings are affected by changes in interest rates.
    E)    None of the above。
Answer: 
（5） A put option would most likely be used to：
    A)    Protect fixed—rate loans and securities。
    B)    Protect variable—rate loans and securities。
    C）    Offset a positive interest-sensitive gap.
    D)    Offset a negative interest—sensitive gap。
    E)    None of the above。

版权声明：本站内容均来自互联网，仅供演示用，请勿用于商业和其他非法用途。如果侵犯了您的权益请与我们联系QQ:729038198，我们将在24小时内删除。