第一章 单元测试
1、判断题：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 .
A:错
B:对
正确答案:【对】
2、判断题：In the United States, banks are regulated through a dual banking system; that is, both federal and state authorities have significant regulatory powers.
A:错
B:对
正确答案:【对】
3、多选题：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 avoid concentrations of financial power in the hands of a few individuals and institutions.
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 ensure equal opportunity and fairness in the public’s access to credit and other vital financial services.
正确答案:【
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 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 ensure equal opportunity and fairness in the public’s access to credit and other vital financial services.
】
4、判断题：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.
A:对
B:错
正确答案:【对】
5、判断题：A bank holding company is simply a corporation chartered for the purpose of holding the stock (equity shares) of at least one bank.
A:错
B:对
正确答案:【对】
6、判断题：美国金融业属于混业经营，混业监管。
A:对
B:错
正确答案:【错】
7、判断题：In the USA，OCC issues charters for new national banks.
A:错
B:对
正确答案:【对】
8、单选题：下面对中国金融业和金融监管体制说法正确的是（）
A:中国金融业属于混业经营，分业监管
B:中国目前主要金融监管机构是一行三会
C:中国目前主要金融监管机构是一行两会
D:中国金融业属于分业经营，混业监管
正确答案:【中国目前主要金融监管机构是一行两会】
9、单选题：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（）
A:降低再贴现率
B:窗口指导
C:提高法定存款准备金率
D:在公开市场上出售有价证券
正确答案:【降低再贴现率
】
10、判断题：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.
A:错
B:对
正确答案:【错】
第二章 单元测试
1、判断题：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。
A:错
B:对
正确答案:【对】
2、判断题：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。
A:对
B:错
正确答案:【错】
3、判断题：利用成本价利润定价法可以用来确定合适的存款利率
A:错
B:对
正确答案:【错】
4、多选题：Factors of Conditional Pricing method considering in order to price a deposit include ( )
A:
number of checks written, deposits made, wire transfers, stop-payment orders, or notices of insufficient funds issued.
B:
The maturity of the deposit in days, weeks, or months.
C:
The average balance held in the account over a designated period.
D:the heathy operation of the economy
正确答案:【
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.
;
The average balance held in the account over a designated period.
】
5、判断题：Subordinated debentures belong to core capital of a bank.
A:对
B:错
正确答案:【错】
6、判断题：Preferred stock represents ownership with investors` claim superior to those of common stockholders but subordinated to those of debtholders.
A:错
B:对
正确答案:【对】
7、单选题：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 ( ).
A:Market penetration deposit pricing
B:Conditional Pricing
C:Relationship pricing
D:Pricing Deposits at Cost Plus Profit Margin
正确答案:【Market penetration deposit pricing
】
8、单选题：Dollar denominated CDs issued outside the U.S. is ()
A:Thrift CDs
B:Yankee CDs
C:Domestic CDs
D:Euro CDs
正确答案:【Euro CDs】
9、多选题：In the following type of bank capitals, ( ) belong to Tie 1 capital.
A:allowance for loan and lease losses
B:undivided profits
C:common stock and surplus
D:subordinated debt capital instruments
正确答案:【undivided profits;common stock and surplus】
10、单选题：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（）。
A:多德弗兰克法案
B:Basell 2
C:Basell 1
D:Basell 3
正确答案:【Basell 2】
第三章 单元测试
1、判断题：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。
A:错
B:对
正确答案:【对】
2、判断题：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:错
B:对
正确答案:【对】
3、多选题：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:可疑贷款
B:损失贷款
C:正常贷款
D:关注贷款
E:次级贷款
正确答案:【可疑贷款;损失贷款;正常贷款;关注贷款;次级贷款】
4、判断题：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:错
B:对
正确答案:【错】
5、判断题：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
正确答案:【对】
6、判断题：Larger banks have, on average, recently reduced their dependence on loans relative to smaller banks.()
A:错
B:对
正确答案:【对】
7、多选题：In the following items, which ones are belonging to the waining signs of problem loans().
A:adverse changes in the price of stock
B:an sudden changes in accounting methods
C:unusual delays in receiving financial statements
D:restructuring debt or eliminating dividend payments or changes in credit rating
正确答案:【adverse changes in the price of stock;an sudden changes in accounting methods;unusual delays in receiving financial statements;restructuring debt or eliminating dividend payments or changes in credit rating】
8、多选题：按照贷款担保品的不同，可以把贷款分为（）
A:抵押贷款
B:质押贷款
C:保证贷款
D:信用贷款
正确答案:【抵押贷款;质押贷款;保证贷款】
9、多选题：Components of the cash flow statement include （）
A:investment cash flow
B:financing cash flow
C:operations cash flow
D:capital
正确答案:【investment cash flow;financing cash flow;operations cash flow】
10、判断题：按照贷款的五级分类制度，不良贷款包括次级、可疑和损失类贷款。
A:错
B:对
正确答案:【对】
第四章 单元测试
1、多选题：商业银行二级准备的内容主要包括____。
A:金融债券
B:短期国库券
C:中期贷款
D:短期票据
E:在途资金
正确答案:【短期国库券;短期票据】
2、判断题：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
正确答案:【错】
3、判断题：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。
A:错
B:对
正确答案:【对】
4、单选题：被誉为金边债券的是下列哪一种有价证券（）
A:公债券
B:地方政府债券
C:国库券
D:金融债券
正确答案:【国库券】
5、判断题：国库券通常采用贴现方式发行。（）
A:对
B:错
正确答案:【对】
6、判断题：证券投资的风险是指证券投资收益的不确定性，所以可以用证券投资收益的标准差作为一种衡量证券投资风险大小的工具。
A:对
B:错
正确答案:【对】
7、多选题：下列属于系统性风险的是（）
A:流动性风险
B:信用风险
C:通货膨胀风险
D:利率风险
正确答案:【通货膨胀风险;利率风险
】
8、判断题：非系统性风险不可以通过构建多样化有价证券的投资组合来规避。
A:对
B:错
正确答案:【错】
9、判断题：
债券收益率与市场利率正相关，债券的市场价格与市场利率负相关。
A:对
B:错
正确答案:【对】
10、多选题：商业银行进行证券投资购置有价证券资产的收益主要包括（）。
A:手续费收入
B:再投资收益
C:买卖价差
D:经常性收益
正确答案:【再投资收益;买卖价差;经常性收益
】
第五章 单元测试
1、多选题：商业银行现金资产的管理原则主要有哪些原则？
A:
如有任何疑问请及时联系QQ 50895809反馈
