第一章 单元测试
1、单选题：Which of the following best defines a customer of a bank?
A:
Someone who has a relationship with a bank
B:
Any organisation that has a bank account
C:
Any individual or organisation which has used a bank account
D:
Any individual or organisation which regularly uses a bank account
正确答案:【
Any individual or organisation which has used a bank account
】
2、单选题：There is no legal definition of a bank. Which of the following best describes a bank?
A:
Any organisation which acts as a financial intermediary
B:
Any organisation which takes deposits
C:
Any organisation which lends money
D:
Any organisation which has bank in its title
正确答案:【
Any organisation which acts as a financial intermediary
】
3、判断题：Bank of America develops licensing agreements with other banks enabling them to issue BankAmericards, becoming the first”scheme”in 1965. True or false?
A:对
B:错
正确答案:【对】
4、单选题：At any time in economy, there are people who have more cash than what they actually need and are able to lend. They are called:
A:
Deficit agents
B:
Surplus agents
C:
Bank agents
D:
Brokers
正确答案:【
Surplus agents
】
5、判断题：The participants in a financial system can be individuals, companies, financial institutions and governments. True or false?
A:对
B:错
正确答案:【对】
6、单选题：Which of the below transformation is not done by banks?
A:
Size
B:
Maturity
C:
Risk
D:
Security
正确答案:【
Security
】
第二章 单元测试
1、判断题：There are two income streams of a bank. They are interest and fees. True or false?
A:对
B:错
正确答案:【对】
2、判断题：Capital of a bank is stated on its income statement. True or false?
A:对
B:错
正确答案:【错】
3、判断题：Mortgage or car loans are considered as insecure lending. True or false?
A:对
B:错
正确答案:【错】
4、判断题：Savings Banks are either mutually owned or stockholder owned entities. True or false?
A:对
B:错
正确答案:【对】
5、单选题：Which of the below is usually based on membership of people or customers with some similar interest, such as nurses, or teachers or even unions.
A:
Building Societies
B:
Pension Funds
C:
Credit Unions
D:
Savings Banks
正确答案:【
Credit Unions
】
第三章 单元测试
1、单选题：Which of the below is the current financial regulatory system in the UK?
A:
Tripartite
B:
Twin peaks
C:
FSA
D:
BOE
答案:
2、单选题：Which of the below is not one of the main areas that banks must satisfy supervisors on?
A:
Capital
B:
Liquidity
C:
Systems and Controls
D:
Assets
答案:
3、单选题：Which of the below is not necessarily the role of central banks?
A:
Issuing currency
B:
Banker of the government
C:
Lenders of last resort
D:
Bank Supervision
答案:
4、判断题：In 1977, Bank of England was granted as the authority to set interest rates. True or false?
A:对
B:错
答案:
5、判断题：Federal Reserve Bank was founded by the U.S. Congress in 1913 to operate as the central bank of the USA. True or false?
A:对
B:错
答案:
6、判断题：The Bank of England manages the national reserves and hold the government’s gold. True or false?
A:对
B:错
答案:
7、单选题：The______comprises the European Central bank and the national central banks of those countries that have adopted the Euro.
A:
Eurosystem
B:
Euromoney
C:
Eurobank
D:
Eurobond
答案:
第四章 单元测试
1、单选题：Which of the below is not stated on a bank’s balance sheet?
A:
Assets
B:
Liabilities
C:
Capital
D:
Income
答案:
2、判断题：Financial ratios cannot compare across industries and can be manipulated. True or false?
A:对
B:错
答案:
3、判断题：Reserves are funds held in an account with other banks. True or false?
A:对
B:错
答案:
4、判断题：Checkable deposits are the bank’s lowest cost of funds. True or false?
A:对
B:错
答案:
5、单选题：Which of the below is not a general principle of bank management?
A:
Liquidity management
B:
Asset-liability management
C:
Capital adequacy management
D:
Interest management
答案:
第五章 单元测试
1、判断题：Commercial banks are permitted to create money by allowing multiple claims to assets on deposits. True or false?
A:对
B:错
答案:
2、单选题：Banks are legally required to keep a certain minimum percentage of all deposit claims as liquid cash. This is called:
A:
Deposit ratio
B:
Reserve ratio
C:
Liquidity ratio
D:
Claim ratio
答案:
3、单选题：The first Automated Teller Machine (ATM) was used by?
A:
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