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

1、 Safekeeping of valuables 2.The fact that financial institutions make loans based on confidential information is the _ theory of banking. delegated monitoring 3._ refers to when a financial institution trades one form of currency for another. An example of this would be when the bank trades dollars

2、for yen for a fee. currency exchange 4. A（n） _ is a traditional service which permits a depositor to write a draft （汇票）in payment for goods and services. demand deposit （checking account） 5._ is a service provided by banks where the bank lends money to individuals for the purchase of durable and oth

3、er goods. Consumer lending 6.The _ of a bank is a traditional service where the bank manages the financial affairs and property of individuals （and in some cases businesses）. trust services 7.Companies such as Merrill Lynch and Sears which offered some but not all banking services in the 1980s were

4、called _. nonbank banks 8.The loosening of government regulation and control of financial institutions is called _. deregulation 9._ is an alternative to lending in which the financial institution purchases the equipment and rents it to its customers. Equipment leasing services 10.The_ is a landmark

5、 act which allows financial service providers to offer an expanded menu of financial services for the customer. This law allows banks to truly become conglomerate financial service providers. Financial Services Modernization Act （Gramm-Leach-Bliley Act） 11.The country with the most banks is _. Unite

6、d States 12.According to Congress a _ is defined as any institution that can qualify for deposit insurance administered by the FDIC. Bank 13.A bank which spans regions, nations, and continents, offering the widest menu of financial services is known as a _bank. money-center bank 14._ refers to the m

7、ovement of businesses across industry lines in order to broaden its base. Convergence 15.Banks which serve primarily households and small firms are known as _ banks. retail 16.Banks that sell deposits and make loans to businesses and individuals are known as _banks. commercial 17.Banks which underwr

8、ite issues of new securities for their corporate customers are known as _ banks. investment 18.Banks which function under a federal charter through the Comptroller （审计署）of the Currency in the United States are known as _ banks. National 19.Banks which supply both debt and equity capital to businesse

9、s are known as _ banks. merchant（商人）20. A bank that offers its services only over the internet is known as a（n） . virtual bank（虚拟银行）21. When a local merchant sells the accounts receivables they hold against their customer to a bank this generally known as . discounting commercial notes22. A（n） offer

10、s loans to commercial enterprises （such as appliance dealers） or to individuals using funds borrowed in the open market or from other financial institutions. Examples of this type of financial service provider include GMAC Financial Services and Household Finance. finance company23. A（n） buys and se

11、lls securities on behalf of their customers and for their own accounts. Examples of this type of financial service provider include Merrill Lynch and Charles Schwab. security broker （or dealer）24. A（n） sells shares mainly to upscale investors in a broad group of different kinds of assets including n

12、ontraditional investments in commodities, real estate, loans to ailing companies and other risky assets. hedge fund25. When a bank agrees to handle the cash collections and disbursements for a company and invest any temporary cash surpluses in interest bearing assets, they are providing services to their customers. cash management True/False QuestionsTF26.Under