智慧树知到《商业银行经营管理学（山东联盟）》章节测试答案
第一章
1、 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 . A.对 B.错
答案: 对
2、 In the United States, banks are regulated through a dual banking system; that is, both federal and state authorities have significant regulatory powers. A.对 B.错
答案: 对
3、The Principal Reasons Financial-service Firms Are Subject to Government Regulation.( ) 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. 4、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 isUnit bank. A.对 B.错
答案: 对
5、 A bank holding company is simply a corporation chartered for the purpose of
holding the stock (equity shares) of at least one bank. A.对 B.错
答案: 对
第二章
1、 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。 A.对 B.错
答案: 对
2、 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。 A.对 B.错
答案: 错
第三章 1、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。 A.对 B.错
答案:A
2、CAMELS Rating System includes six aspects of regulation authorities regulating the banks, the six aspects are Capital adequacy， Earnings record，Asset quality，Liquidity position，Management quality，Sensitivity to market risk .
A.对 B.错
答案:A
3、 按照贷款的质量和风险程度划分，银行贷款可以分为（)等五类。
A.正常贷款
B.关注贷款
C.次级贷款
D.可疑贷款
E.损失贷款
答案:ABCDE 4、 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。 A.对 B.错
答案:B
5、 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。 A.对 B.错
答案:A
第四章
1、 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
答案:AB
2、 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。 A.对 B.错
答案:B 3、 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。 A.对 B.错
答案:A
第五章
1、商业银行现金资产的管理原则主要有哪些原则？
A.总量适度
B.适时调节
C.安全保障
答案:ABC
2、下列属于商业银行现金资产的内容有____。
A.库存现金
B.在中央银行存款
智慧树知到《商业银行经营管理学(山东联盟)》章节测试答案
