《商业银行经营学》复习提纲习题.docx

《商业银行经营学》复习提纲习题.docx

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《商业银行经营学》复习提纲习题

1、FillintheBlankQuestions（1pointforeach）

（1）_______________________isanewerserviceprovidedbybankswherethebanklendsmoneytoindividualsforthepurchaseofdurableandothergoods.

（2）Thelooseningofgovernmentregulationandcontroloffinancialinstitutionsiscalled______.

（3）Abankwhichnowoffersalloftheavailablefinancialservicesisknownasa__________bank.

（4）A（n）buysandsellssecuritiesonbehalfoftheircustomersandfortheirownaccounts.ExamplesofthistypeoffinancialserviceproviderincludeMerrillLynchandCharlesSchwab.

（5）OnetoolthattheFederalReserveusestocontrolthemoneysupplyis___________.TheFederalReservewillbuyandsellT-billswhentheyareusingthistoolofmonetarypolicy.Thefederalbankregulatoryagencywhichexaminesthemostbanksisthe______________.

（6）Theshorttermsecuritiesofthebank,includingT-Billsandcommercialpaper,areoftencalled__________________________becausetheyarethesecondlineofdefensetomeetdemandsforcash.Answer:

（7）A（n）__________________________isadepositaccountwhichpaysaninterestratecompetitivewithmoneymarketmutualfundsandwhichgenerallyhaslimitedcheckwritingability.__________________________canbeheldbyindividualsandnonprofitinstitutions,bearinterestandpermitdraftsfrombeingwrittenagainsttheaccounttopaythirdparties.

（8）Theequitymultiplierforabankmeasurestheamountof_____________________ofthebankandisonepartoftheevaluationofthebank'sROE.

（9）__________________________istheriskthatthefinancialinstitutionmaynotbeabletomeettheneedsofdepositorsforcash.

（10）Atraditionalmeasureofearningsefficiencyisthe__________________ortotalinterestincomeovertotalearningsassetslesstotalinterestexpensesovertotalinterestbearingbankliabilities.Itmeasurestheeffectivenessofafirm’sintermediationfunctionintheborrowingandlendingofmoney.

（11）The__________________istheinterestratethatequalizesthecurrentmarketpriceofabondwiththepresentvalueofthefuturecashflows.

（12）_________________________isthedifferencebetweeninterest-sensitiveassetsandinterest-sensitiveliabilities.

（13）A（n）_________________________allowstheholdertherighttoeithersellsecuritiestoanotherinvestor（put）orbuysecuritiesfromanotherinvestor（call）forasetpricebeforetheexpirationdate.A（n）_________________________isacontractwheretwopartiesexchangeinterestpaymentsinordertosavemoneyandhedgeagainstinterestraterisk.

（14）A（n）_________________________iswherethereisbothaminimumandamaximuminterestratesetonaloan.

（15）A（n）_________________________isacontingentclaimofthebankthatissuesit.Theissuingbank,inreturnforafee,guaranteestherepaymentofaloanreceivedbyitscustomerorthefulfillmentofacontractmadebyitscustomertoathirdparty.

（16）ArelativelynewtypeofcreditderivativeisaCDOwhichstandsfor__________________.Answer:

collateralizeddebtobligation

（17）24.Lenderscansetasideagroupofloansontheirbalancesheet,issuebondsandpledgetheloansascollateralagainstthebondsin____________.Theseusuallystayonthebank’sbalancesheetasliabilities.

（18）Debtinstrumentsissuedbycities,statesandotherpoliticalentitiesandwhichareexemptfromfederaltaxesarecollectivelyknownas_____________________.

（19）__________________istheriskthatthecompanywhosebondsthefinancialinstitutionownsmayretiretheentireissueofcorporatebondsinadvanceoftheirmaturityleavingthebankwiththeriskofearningslossesresultingfromreinvestingthecashatlowerinterestrates.

（20）The_________________________isthetotaldifferencebetweenitssourcesandusesoffunds.

（21）Theoldestapproachtomeetingliquidityneedswhichreliesonthesaleofliquidassetstomeetliquiditydemandsiscalled_________________________.

（22）_________________________arethestablebaseofdepositedfundsthatarenothighlysensitivetomovementsinmarketinterestratesandtendtoremainwithadepositoryinstitution.

（23）Whenfinancialinstitutionstemptcustomersbypayingpostagebothwaysinbank-by-mailservicesorbyofferingfreegiftssuchasteddybears,theyarepracticing___________.

（24）Whenacustomerischargedbasedonthenumberandkindsofservicesused,withthecustomersthatuseanumberofservicesbeingchargedlessorhavingsomefeeswaived,thisiscalled__________________pricing.

（25）__________________istheamountinexcessofparvaluepaidbythebank'sshareholders.

（26）Corecapitalsuchascommonstock,surplus,undividedprofits,qualifyingnoncumulativepreferredstock,etc.isreferredtoas__________________capitalasdefinedbytheBaselagreement.

（27）Thelargestcomponentofcapitalamongbanksis____________.

2、True/FalseQuestions（1pointforeach）

（1）Accordingtothetextbook,banksarethosefinancialinstitutionsthattodayofferthewidestrangeoffinancialservicesofanybusinessfirmintheeconomy.

（2）Theroleperformedbybanksintheeconomyinwhichtheytransformsavingsintocreditisknownastheintermediationrole.

（3）Theagingofthepopulationmeanslesssavingsintheeconomyforbankstoworkwith,accordingtothetextbook.

（4）Bankswhichoffervirtuallyallfinancialservicesareknownasuniversalbanks.

（5）IntheUnitedStates,fixedfeeschargedfordepositinsurance,regardlessofhowriskyabankis,ledtoaproblemknownasmoralhazard.

（6）WhentheFederalReservebuysT-billsthroughitsopenmarketoperations,itcausesthegrowthofbankdepositsandloanstodecrease.

（7）Loansandleasesarefinancialoutputsonafinancialinstitution'sbalancesheetorReportofCondition.

（8）Offbalancesheetitemsforabankarefeegeneratingtransactionswhicharenotrecordedontheirbalancesheet.

（9）Abank'sROAequalsitsROEtimestheratiooftotalassetsdividedbytotalequitycapital.

（10）Inthetextbooktheratioofpretaxnetoperatingincometototaloperatingrevenuesisdescribedasameasureoftheeffectivenessofafinancialinsitution'sexpense-controlefficiency.

（11）Charge-offsrepresentsecuritiesabankdecidestosellbecausetheyhavedeclinedinvalue.

（12）Usuallytheprincipalgoalofasset-liabilitymanagementistomaximizeoratleaststabilizeabank'smarginorspread.Answer:

True

（13）Aliability-sensitivebankwillexperienceanincreaseinitsnetinterestmarginifinterestratesrise.

（14）Afutureshedgeagainstinterest-ratechangesgenerallyrequiresabanktotakeanoppositepositioninthefuturesmarketfromitscurrentpositioninthecashmarket.

（15）Thelonghedgeinfinancialfuturescontractsismostlikelytobeusedinsituationswhereabankwouldsufferlossesduetorisinginterestrates.

（16）Thebuyerofaloanparticipationmustwatchboththeborrowerandthesellerbankclosely.

（17）InaCMO,thedifferenttiers（ortranches）ofsecuritypurchasersfacethesameprepaymentrisk.

（18）Mostloansthatbankssellofftheirbalancesheetscarryinterestratesthatusuallyareconnectedtolong-terminterestrates（suchasthe30-yearTreasurybondrate）.

（19）Prepaymentriskonsecuritizedassetsgenerallyincreaseswheninterestratesrise.

（20）Whenabankirrevocablyguaranteesacommercialpaperissue,thebank'screditratingsubstitutesfortheborrower'screditrating.

（21）Borrowedliquidity（liability）managementislessriskyforafinancialinstitutionthanisassetconversion.

（22）Mostliquidityproblemsinbankingarisefrominsideabank,notfromitscustomers.

（23）Depositsownedbycommercialbanksandheldwithotherbanksarecalledcorrespondentdeposits.

（24）Thenumberonefactorhouseholdsconsiderinselectingabanktoholdtheircheckingaccountis,accordingtorecentstudiescitedinthischapter,lowfeesandlowminimumbalance.

（25）Whenabanktemporarilyoffershigherthanaverageinterestratesorlowerthanaveragecustomerfeesinordertoattractnewbusinesstheyarepracticingconditionalpricing.

（26）Onefundamentalpurposeforregulatingcapitalistolimitlossestothefederalgovernmentarisingfromdepositinsuranceclaims.

（27）Undertheinternationalcapital（Basel）agreementTier2capitalmustberaisedtoaminimumof4percentofrisk-weightedassets.

（28）Recentresearchsuggeststhatinterest-ratecontractsdisplayconsiderablylessriskexposurethandoforeign-currencycontracts.

3、MultipleChoiceQuestions（1pointforeach）

（1）DrewDavisgoestohislocalbanktogethelpdevelopingafinancialplanandmakinginvestmentdecisions.WhichofthemorerecentservicesbanksofferisDrewtakingadvantageof?

A）Gettingaconsumerloan

B）Gettingfinancialadvice

C）Managingcash

D）Gettingventurecapitalservices

E）Buyingaretirementplan

Answer:

（2）JonathanRobbinshasabankaccountinabankthatdoesnothaveaphysicalbranch.Jonathandoesallofhisbankingbusinessovertheinternet.WhattypeofbankdoesJonathanhavehisaccountat?

A）VirtualBank

B）MortgageBank

C）CommunityBank

D）AffiliatedBank

E）Noneoftheabove

Answer:

（3）Banksareregulatedforwhichofthereasonslistedbelow?

A）Banksareleadingrepositoriesofthepublic'ssavings.

B）Bankshavethepowertocreatemoney.

C）Banksprovidebusinessesandindividualswithloansthatsupportconsumptionandinvestmentspending.

D）Banksassistgovernmentsinconductingeconomicpolicy,collectingtaxesanddispensinggovernmentpayments.

E）Alloftheabove.

Answer:

（4）Theequival