商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap001文档格式.doc

商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap001文档格式.doc

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Safekeepingofvaluables

2. Thefactthatfinancialinstitutionsmakeloansbasedonconfidentialinformationisthe_______________________theoryofbanking.

delegatedmonitoring

3. _______________________referstowhenafinancialinstitutiontradesoneformofcurrencyforanother.Anexampleofthiswouldbewhenthebanktradesdollarsforyenforafee.

currencyexchange

4.A（n）_______________________isatraditionalservicewhichpermitsadepositortowriteadraft（汇票）inpaymentforgoodsandservices.

demanddeposit（checkingaccount）

5. _______________________isaserviceprovidedbybankswherethebanklendsmoneytoindividualsforthepurchaseofdurableandothergoods.

Consumerlending

6. The_______________________ofabankisatraditionalservicewherethebankmanagesthefinancialaffairsandpropertyofindividuals（andinsomecasesbusinesses）.

trustservices

7. CompaniessuchasMerrillLynchandSearswhichofferedsomebutnotallbankingservicesinthe1980swerecalled_______________________.

nonbankbanks

8. Thelooseningofgovernmentregulationandcontroloffinancialinstitutionsiscalled_______________________.

deregulation

9. ___________________________isanalternativetolendinginwhichthefinancialinstitutionpurchasestheequipmentandrentsittoitscustomers.

Equipmentleasingservices

10. The___________________________isalandmarkactwhichallowsfinancialserviceproviderstoofferanexpandedmenuoffinancialservicesforthecustomer.Thislawallowsbankstotrulybecomeconglomeratefinancialserviceproviders.

FinancialServicesModernizationAct（Gramm-Leach-BlileyAct）

11. Thecountrywiththemostbanksis_______________________.

UnitedStates

12. AccordingtoCongressa____________isdefinedasanyinstitutionthatcanqualifyfordepositinsuranceadministeredbytheFDIC.

Bank

13. Abankwhichspansregions,nations,andcontinents,offeringthewidestmenuoffinancialservicesisknownasa__________bank.

money-centerbank

14. _____________referstothemovementofbusinessesacrossindustrylinesinordertobroadenitsbase.

Convergence

15. Bankswhichserveprimarilyhouseholdsandsmallfirmsareknownas____________banks.

retail

16. Banksthatselldepositsandmakeloanstobusinessesandindividualsareknownas______banks.

commercial

17. Bankswhichunderwriteissuesofnewsecuritiesfortheircorporatecustomersareknownas________banks.

investment

18. BankswhichfunctionunderafederalcharterthroughtheComptroller（审计署）oftheCurrencyintheUnitedStatesareknownas____________banks.

National

19. Bankswhichsupplybothdebtandequitycapitaltobusinessesareknownas_________banks.

merchant（商人）

20.Abankthatoffersitsservicesonlyovertheinternetisknownasa（n）.

virtualbank（虚拟银行）

21.Whenalocalmerchantsellstheaccountsreceivablestheyholdagainsttheircustomertoabankthisgenerallyknownas.

discountingcommercialnotes

22.A（n）offersloanstocommercialenterprises（suchasappliancedealers）ortoindividualsusingfundsborrowedintheopenmarketorfromotherfinancialinstitutions.ExamplesofthistypeoffinancialserviceproviderincludeGMACFinancialServicesandHouseholdFinance.

financecompany

23.A（n）buysandsellssecuritiesonbehalfoftheircustomersandfortheirownaccounts.ExamplesofthistypeoffinancialserviceproviderincludeMerrillLynchandCharlesSchwab.

securitybroker（ordealer）

24.A（n）sellssharesmainlytoupscaleinvestorsinabroadgroupofdifferentkindsofassetsincludingnontraditionalinvestmentsincommodities,realestate,loanstoailingcompaniesandotherriskyassets.

hedgefund

25.Whenabankagreestohandlethecashcollectionsanddisbursementsforacompanyandinvestanytemporarycashsurplusesininterestbearingassets,theyareprovidingservicestotheircustomers.

cashmanagement

True/FalseQuestions

T F 26. Under