商业银行管理彼得s罗斯英文原书第8版英语试题库chap005Word格式.docx

商业银行管理彼得s罗斯英文原书第8版英语试题库chap005Word格式.docx

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Answer:

nondepositborrowings

2.Theshorttermsecuritiesofthebank,includingT-Billsandcommercialpaper,areoftencalled__________________________becausetheyarethesecondlineofdefensetomeetdemandsforcash.

secondaryreserves

3.__________________________isanoncashexpenseonthebank'

sincomestatementwhichallowsthebanktoaccountforfuturebadloans.

Provisionforloanlosses

4.__________________________isthedifferencebetweeninterestincomeandinterestexpensesforafinancialinstitution.

Netinterestincome

5.__________________________aretheprimarylongtermliabilitiesofthebank.Theseliabilitiesarepaidonlyafterdepositshavebeenpaidintheeventofbankruptcy.

Subordinatednotesanddebentures

6.A（n）__________________________iswherethefinancialinstitutionagreestoguaranteerepaymentofacustomer'

sloanreceivedfromathirdparty.

standbycreditagreement

7.A（n）__________________________isashorttermcollateralizedloan.ThecollateralthatisusedgenerallyconsistsofT-Bills.

repurchaseagreement

8.A（n）__________________________isadepositaccountwhichpaysaninterestratecompetitivewithmoneymarketmutualfundsandwhichgenerallyhaslimitedcheckwritingability.

moneymarketdepositaccount

9._____________________isthesumofalloutstandingIOU'

sowedtothebankintheformofconsumer,realestate,commercialandagricultureloansaswellasothertypesofcreditextensions.

grossloans

10.Afinancialinstitutionoftenrecordsthevalueofitsassetsandliabilitiesat_______________whichistheoriginalorhistoricalcostoftheasset.

bookvalue

11.Theprincipaltypesof__________________________includefeeincome,incomefromfiduciaryactivitiesandserviceschargesondeposits.

noninterestincome

12.The__________________________showstheamountofrevenuesreceivedandexpensesincurredoveraspecifictimeperiod.

ReportofIncome（incomestatement）

13.The__________________________liststheassets,liabilitiesandequitycapitalheldbythebankonagivendate.

ReportofCondition（balancesheet）

14.______________islabeled"

AccountingforDerivativeInstrumentsandHedgingActivities."

FASB133

15.________________labeled“AccountingforDerivativeInstrumentsandHedgingActivities”anditsrecentamendments,FASB138,aredesignedtomakederivativesmorepubliclyvisibleoncorporatefinancialstatements.

FASB133

16.Under_____________banksmustaccountfortheexpectedlossofinterestincomeonnonperformingloanswhencalculatingtheirloan-lossprovision.

FASB114

17.Temporarilybuyingandsellingsecuritiesbyasecuritiesfirminathinlytradedmarketsoastoinfluencethepriceisknownas_________________.

paintingthetape

18.Theactivityofmanipulatingthefinancialstatementstoartificiallyenhancethebanksfinancialstrengthisknownas___________________.

windowdressingor‘creativeaccounting’

19.isdirectandindirectinvestmentinrealestate.Thesearepropertiesobtainedforcompensationsfornonperformingloans.

OtherRealEstateOwned（OREO）

20.consistsofinterestincomereceivedonloansfromcustomersthathasnotyetbeenearnedbythebankunderaccrualaccountingmethods.

Unearneddiscountincome

21.canbeheldbyindividualsandnonprofitinstitutions,bearinterestandpermitdraftsfrombeingwrittenagainsttheaccounttopaythirdparties.

Nowaccounts

22.Intheworldwidebankingsystem,representtransferabletimedepositsinavarietyofcurrenciesandareoftentheprincipalsourceofshorttermborrowsbybanks.

EurocurrencyBorrowings

23.OnepartofarisesfromfeeschargedforATMandPOStransactions.

OtherNoninterestIncome

24.Feesthatarisefromafinancialfirm’strustactivities,feesformanagingacorporations’interestanddividendpaymentsandfeesformanagingcorporateorindividualretirementplansareallincludedinthecategoryoffeesarisingfrom.

fiduciaryactivities

25.Checkingaccountmaintenancefeesandoverdraftfeesareincludedinthenoninterestincomeaccountunder.

servicechargesondepositaccounts

True/FalseQuestions

TF26.Onabank'

sincomestatement（ReportofIncome）depositcostsarefinancialinputs.

True

TF27.Loansandleasesarefinancialoutputsonafinancial