商业银行管理罗斯答案

商业银行管理罗斯 答案 八年级地理上册填图题岩土工程勘察试题省略号的作用及举例应急救援安全知识车间5s试题及答案 【篇一：商业银行管理彼得s.罗斯英文原书第8版英语 试题库 社会保障学试题和答案公务员考试面试题题库危货运输装卸管理人员钢筋工试题库含答案大学纺织材料学试题 chap002】>theimpactofgovernmentpolicyandregulationonthefinancial-servicesindustryfillintheblankquestions1.the_____________________wascreatedaspartoftheglasssteagallact. inthebeginningitinsureddepositsupto$2,500.answer:fdic2.the________________________isthelawthatstatesthatabankmustgetapprovedfromtheirregulatorybodyinordertocombinewithanotherbank.answer:bankmergeract3.onetoolthatthefederalreserveusestocontrolthemoneysupplyis_________________federalreservewillbuyandsellt-billswhentheyareusingthistoolofmonetarypolicy.answer:openmarketoperations4.the__________________________wascreatedin1913inresponsetoaseriesofeconomicdepressionsandfailures. itsprincipalroleistoserveasthelenderoflastresortandtostabilizethefinancialmarkets.answer:federalreserve5.the__________________________preventedbanksfromcrossingstatelinesandmadenationalbankssubjecttothebranchinglawsoftheirstate.thisactwaslaterrepealedbytherieglenealinterstatebankinglaw.answer:mcfadden-pepperact6.becausethefdicleviesfixedinsurancepremiumsregardlessofrisk,thisleadstoaproblemcalledthe____________________amongbanks. thefixedpremiumsencourageallbankstoacceptgreaterrisk.answer:moralhazard7.in1980,__________________________waspassedandliftedgovernmentceilingsondepositinterestratesinfavoroffreemarketinterestrates.answer:didmca158.onetoolthatthefederalreserveusestocontrolthemoneysupplyis_________________. thefederalreservewillchangetheinterestratetheychargeforshorttermloanswhentheyareusingthistoolofmonetarypolicy.answer:changingthediscountrate9.thefirstmajorfederalbankinglawintheu.s.wasthe__________________________. thislawwaspassedduringthecivilwarandsetupasystemforcharteringnationalbanksandcreatedtheocc.answer:nationalbankingact10.the_________________________waspassedduringthegreatdepression. itseparatedinvestmentandcommercialbanksandcreatedthefdic.answer:glass-steagallact11.the__________________________broughtbankholdingcompaniesunderthejurisdictionofthefederalreserve.answer:bankholdingcompanyact12.the__________________________allowsbankholdingcompaniestoacquirebanksanywhereintheunitedstates. however,noonebankcancontrolmorethan30percentofthedepositsinanyonestateormorethan10percentofthedepositsacrossthecountry.answer:riegle-nealinterstatebankingact13.firmseitherthroughaholdingcompanyorasasubsidiary.answer:gramm-leach-blileyact(financialservicesmodernizationact)14.customersoffinancial-servicecompaniesmay_____________________ ofhavingtheirprivateinformationsharedwithathirdpartysuchasatelemarketer. however,inordertodothistheymusttellthefinancial-servicescompanyinwritingthattheydonotwanttheirpersonalinformationsharedwithoutsideparties.answer:optout15.thefederalbankregulatoryagencywhichexaminesthemostbanksisthe______________.answer:fdic16.the_________________requiresfinancialservicecompaniestoreportsuspiciousactivityincustomeraccountstothetreasurydepartment.answer:u.s.patriotact16 testbank,chapter217.thecentralbankoftheneweuropeanunionisknownasthe_______________________.answer:europeancentralbankorecb18.the_____________________actprohibitsbanksandotherpubliclyownedfirmsfrompublishingfalseormisleadingfinancialperformanceinformation.answer:sarbanes-oxley19.theyusetodaytocarryoutthisrole;openmarketoperations,thediscountrateandlegalreserverequirements.answer: monetarypolicy20.reserve. itconsistsofsevenmembersappointedbythepresidentfortermsnotexceeding14years.answer: boardofgovernors21.answer: stateinsurancecommissions22.answer: thenationalcreditunionadministration.23.andallowsthepublictoapplyforafreecreditreportonceayear.answer: fairandaccuratecredittransactionsact(factact)24.allowsforbankstoelectronicallysendcheckimagesinsteadofshippingpaperchecksacrossthecountry.answer: check21act25.treasurydepartment. itistheprimaryregulatorofnationalbanks.answer: officeofthecomptrollerofthecurrency(occ)26.the_________________________proposesvariousregulationsapplyingtothefinancialmarketstocombattherecentcreditcrisis. this“bail-out”billgrantedtheustreasurythemeanstopurchasetroubledloans,allowedthefdictotemporarilyincreasedepositinsurance,andpermittedthegovernmenttoinjectadditionalcapitalintothebankingsystem.answer: theemergencyeconomicstabilizationactof2008true/falsequestions17tf27.federalreserveactauthorizedthecreationofthefederaldepositinsurancecorporation.answer:falset f28.intheunitedstates,fixedfeeschargedfordepositinsurance,regardlessofhowriskyaanswer:truet f28.government-sponsoreddepositinsurancetypicallyencouragesindividualdepositorstomonitortheirbanksbehaviorinacceptingrisk.answer:falset f29.thefederalreservechangesreserverequirementsfrequentlybecausetheaffectofthesechangesissosmall.answer:falset f30.thebankmergeractanditsamendmentsrequiresthatbankholdingcompaniesbeunderthejurisdictionofthefederalreserve.answer:falset f31.nationalbankscannotmergewithoutthepriorapprovalofthecomptrollerofthecurrency.answer:truet f32.thetruthinlending(orconsumercreditprotection)actwaspassedbytheu.s.congresstooutlawdiscriminationinprovidingbankservicestothepublic.answer:falsetf33.thefederallawthatstatesindividualsandfamiliescannotbedeniedaloanmerelybecauseoftheirage,sex,race,nationaloriginorreligiousaffiliationisknownasthecompetitiveequalityinbankingact.answer:falset f34.underthetermsofthe1994riegle-nealinterstatebankinglawbankholdingcompaniescanacquireabankanywhereinsidetheunitedstates,subjecttofederalreserveboardapproval.answer:truet f35.nationwidedepositsthataninterstatebankingfirmisallowedtocontrol.18 testbank,chapter2answer:falset f36.thetermregulatorydialecticreferstothedualsystemofbankingregulationintheandlocalgovernmentsregulatebanks.answer:falset f37.themoralhazardproblemofbanksiscausedbythefixedinsurancepremiumspaidbybanksandcausesbankstoacceptgreaterrisk.answer:truet f38.whenthefederalreservebuyst-billsthroughitsopenmarketoperations,itcausesthegrowthofbankdepositsandloanstodecrease.answer:falset f39.whenthefederalreserveincreasesthediscountrateitgenerallycausesotherinterestratestodecrease.answer:falset f40.thenationalbankact(1863)createdthefederalreservewhichactsasthelenderoflastresort.answer:falsetf41.firrea(1989)allowedbankholdingcompaniestoacquirenonblankdepositoryinstitutionsand,ifdesired,convertthemintobranchoffices.answer:truet f42.thesarbanes-oxleyactallowsbanks,insurancecompanies,andsecuritiesfirmstoformfinancialholdingcompanies(fhcs).answer:falset f43.thegramm-leach-blileyactof1999essentiallyrepealstheglass-steagallactpassedinthe1930s.answer:truet f44.passedin1977,theequalcreditopportunityactprohibitsbanksfromdiscriminatingagainstcustomersmerelyonthebasisoftheneighborhoodinwhichtheylive.answer:falset f45.thetoolusedbythefederalreservesystemtoinfluencetheeconomyandbehaviorof19【篇二：商业银行管理彼得s.罗斯英文原书第8版英语试 题 快递公司问题件快递公司问题件货款处理关于圆的周长面积重点题型关于解方程组的题及答案关于南海问题 库chap003】theorganizationandstructureofbankingandthefinancial-servicesindustryfillintheblankquestions1.a(n)___________________ isamachinelocatedatthemerchantsplaceofbusinesswhichallowsdepositorstousetheirdebitcardtopayforpurchasesdirectly.answer:pos2.a(n)_____________________isabankwhichoffersitsfullrangeofservicesfromseverallocations.answer:branchbank3.a(n)_____________________ isabankwhichoffersitsfullrangeofservicesfromonlyonelocation.answer:unitbank4.thestockofoneormorebanks.answer:bankholdingcompany5.managerswhovaluefringebenefits,plushofficesandampletravelbudgetsoverthepursuitofmaximumreturnsforstockholdersareexhibitingsignsof__________________________. answer:expensepreferencebehavior6.a(n)__________________________caninvestincorporatestockassellasloanmoneytohelpfinancethestartofnewventuresorsupporttheexpansionofexistingbusinesses.answer:merchantbank7.abankwhichoperatesexclusivelyovertheinternetisknownasa___________bank.answer:virtual8.onenew21stcenturybankorganizationalstructuresis_____________________. thisisaspecialtypeofholdingcompanythatmayofferthebroadestrangeoffinancialservices.answer:financialholdingcompany(fhc)28 testbank,chapter39.knowledgeableaboutbankingpracticesbutmaybelessinformedaboutproductsandservicesofsubsidiarycompanies.answer: spanofcontrol10.whichbanksmayprovidesecurities,insurance,andotherfinancialproducts.answer:universal11.answer: independent12.relationshipbetweenafirm’sownersanditsmanagers.answer: agencytheory13.theboardofdirectorsandstockholders,ismorecomplicatedinfinancialinstitutions.answer:becauseofgovernmentregulations.14.unitasthefirmgetslarger.answer: economiesofscale15.servicesusingthesameorganizationandresources.answer: economiesofscope16.overtheyears,managersofbanksandotherfinancialinstitutionshaveevolveddifferentorganizationalformstoaddresschangesintheindustry.indeed,thesefirmsareorganizedtocarryoutvariousrolesinthemostefficientway.thisisreferredtoas_________________________.answer:organizationalformfollowsfunctiontrue/falsequestionstf17.answer:falset f18.nearlythreequartersofallu.s.banksexceed$100millioninassetsizeapiece.answer:falserose/hudgins,bankmanagementandfinancialservices,8/e29tf19.nearlyallu.s.bankswithfederalorstatechartershavetheirdepositsinsuredbythefederaldepositinsurancecorporation.answer:truet f20.state-charteredbanksintheunitedstatesrepresentaboutaquarterofallu.s.-charteredbanks,whilenationalbanksaccountforapproximatelythreequartersofallu.s.charteredbanks.answer:falsett f21.themajorityofallu.s.banksaremembersofthefederalreservesystem. answer:false f22.abankingcorporationcharteredbyeitherfederalorstategovernmentsthatoperatesonlyonefull-serviceofficeiscalledaunitbank.answer:truet f23.overhalfofallu.s.statestodaylimitbranchingactivity.answer:falset f24.theaverageu.s.bankislargerinsize(intermsofnumberofbranchoffices)thantheaveragecanadianbank.answer:falset f25.despitetherapidgrowthofautomationinu.s.banking,therearemorefull-servicebranchbankingofficesthanautomatedtellermachinesacrossthewholeu.s.answer:falset f26.intheunitedstatestherearemoreone-bankholdingcompaniesthanmulti-bankholdingcompanies.answer:truet f27.bankholdingcompaniesholdmorethan90percentoftheindustry’sassetsintheunitedstates.answer:truet f28.researchevidencesuggeststhatbankstakenoverbyinterstatebankingorganizationshaveanswer:false30 testbank,chapter3tf29.theconcentrationofbankdepositsatthelocallevel(thatisinurbancommunitiesandruralcounties)hasdisplayedonlymoderatechangesinrecentyears.answer:truett f30.thereisevidencethatbranchbankschargehigherfeesforsomebankingservicesthandounitbanks. answer:truef31.branchbankstendtoofferawidermenuofservicesthanunitbanks.answer:falset f32.recentresearchsuggeststhatbranchbankstendtobemoreprofitablethaneitherunitorholdingcompanybanks,whileinterstatebankstendtobethemostprofitableofall.answer:falset f33.lessthan10percentofthelargestbanksintheu.s.controlalmost90percentoftheindustryassets.answer:truet f34.agencytheorysuggeststhatbankmanagementwillalwayspursuethegoalofmaximizingthereturnofthebanksshareholders.answer:falset f35.recentresearchsuggeststhattherelationshipbetweenbanksizeandthecostofproductionperunitisroughlyushaped.answer:truet f36.bankholdingcompaniesthatwanttoachievethegoalofriskreductioninearningsriskthroughinterstatebankingcanachievethesamelevelofriskreductionbyenteringanyofthefiftystates.answer:falset f37.bankholdingcompaniesareallowedtoownnonbankbusinessesaslongasthosebusinessesofferservicescloselyrelatedtobanking.answer:truet f38.bankstendtohaveahigherproportionofoutsidedirectorsthanatypicalmanufacturingfirm.answer:truerose/hudgins,bankmanagementandfinancialservices,8/e31tf39.bankswhichoperateentirelyonthewebareknownasinvisiblebanks.answer:falset f40.banksacquiredbyholdingcompaniesarereferredtoasaffiliatedbanks.answer:truet f41.bankorganizationalstructurehasbecomemorecomplexinrecentyears.answer:truet f42.thereareonlyaverysmallnumberofunitbanksintheu.s.today.answer:falsett f43.traditionalbrick-and-mortarbankbranchofficesareonthedeclineintheu.s.today. answer:false f44.communitybanksareusuallysmallerbanksthataredevotedprincipallytothemarketsforsmaller,locallybaseddepositsandloans.answer:truef45.thequestionofwhetherfinancialfirmsoperateasefficientlyaspossiblerequiresresearcherstolookintotheissueofx-efficiency.theconceptrequiresanassessmentofthefinancialfirm’soperatingcostsinrelationtoitscost-efficientfrontier.answer:true tmultiplechoicequestions46.inbanking,organizationalformfollows__________becausebanksusuallyareorganizedinsuchawayastocarryoutthetasksandsupplytheservicesdemandedofthem.thetermthatcorrectlyfillsintheblankinthesentenceaboveis:a)banksizeb)managementsdecisionc)functiond)regulatione)locationanswer:c47.whichoneofthefollowingischargedwithsettingpolicyandoverseeingabanksperformance?a)stockholdersb)boardofdirectors32 testbank,chapter3【篇三：商业银行管理彼得s.罗斯英文原书第8版英语试 题库 doc摄影基础题库高中语文题库及参考答案安全生产模拟考试平台题库选择大学英语b统考题库消防知识竞赛题库 chap009】riskmanagement:asset-backedsecurities,loansales,creditstandbys,andcreditderivativesfillintheblankquestions1.whenabanksetsasideagroupofincome-earningassetsandthensellssecuritiesbaseduponthoseassetsitis________________________thoseassets.answer:securitizing2.theloansandsellssecurities.answer:specialpurposeentity3.a(n)_________________________allowsahomeownertoborrowagainsttheresidualvalueoftheirresidence.answer:homeequityloan4._________________________allowthebanktogeneratefeeincomeaftertheyhavesoldaloan.thebankcontinuestocollectinterestandprincipalfromtheborrowersandpassesthesecollectionstotheloanbuyers.answer:servicingrights5.ina_________________________anoutsiderpurchasespartofaloanfromthesellingfinancialanswer:participationloan6.a(n)_________________________isacontingentclaimofthebankthatissuesit. theissuingbank,inreturnforafee,guaranteestherepaymentofaloanreceivedbyitscustomerorthefulfillmentofacontractmadebyitscustomertoathirdparty.answer:standbycreditagreement7.a(n)_________________________occurswhentwobanksagreetoexchangeaportionoralloftheloanrepaymentsoftheircustomers.answer:creditswap8.a(n)__________________guardsagainstthelossesinthevalueofacreditasset. itwouldpayoffiftheassetdeclinessignificantlyinvalueorifitcompletelyturnsbad.answer:creditoption.146 testbank,chapter99.a(n)_________________________combinesanormaldebtinstrumentwithacreditoption. itallowstheissuerofthedebtinstrumenttoloweritsloanrepaymentsifsomesignificantfactorchanges.answer:creditlinkednote10.the_________________________ofastandbyletterofcreditisabankorotherinvestorwhoisconcernedaboutthesafetyoffundscommittedtotherecipientofthestandbyletterofcredit.answer:beneficiary11.a(n)_________________________guaranteestheswappartiesaspecificrateofreturnontheircreditasset. bankamayagreetopaythetotalreturnontheloantobankbplusanyappreciationinthemarketvalueoftheloan. inreturnbankawilloftengetliborplusafixedspreadplusanydepreciationinthevalueoftheloan.answer:totalreturnswap12.the________________________isthepartythatisrequestingastandbyletterofcredit.answer:accountparty13.the__________________isthebankorfinancialinstitutionwhichguaranteesthepaymentoftheloaninastandbyletterofcredit.answer:issuer14.a(n)_________________________isaloansalewhereownershipoftheloanistransferredtothebuyeroftheloan,whothenhasadirectclaimagainsttheborrower.answer:assignment15.longermaturityloan,entitlingthepurchasertoafractionoftheexpectedloanincome.answer:loanstrip16.arelativelynewtypeofcreditderivativeisacdowhichstandsfor__________________.answer:collateralizeddebtobligation17.insurancecompaniesareaprime__________ofcreditderivatives.answer:seller18.whendefaultoccursonaloanorotherdebtinstrument.answer: creditderivativerose/hudgins,bankmanagementandfinancialservices,8/e14719.tohandlecomparativelylimiteddeclinesinvaluebutwantsinsuranceagainstseriouslosses.answer: creditdefaultswap20.poolsofcreditderivativesthatmainlyinsureagainstdefaultsoncorporatebonds. thecreatorsoftheseinstrumentsdonothavetobuyandpoolactualbondsbutcancreatetheseinstrumentsandgeneraterevenuesfromsellingandtradinginthem.answer: syntheticcdos(collateralizeddebtobligations)21.thatinvestorshaveabetterideaofwhatthenewsecuritiesarelikelytobeworth.answer: creditratingagency22.defaultoftheunderlyingloansinasecuritization. thesecanbeinternalorexternaltothesecuritizationprocessandlowertheriskofthesecurities.answer: creditenhancement23.promiseadifferentcouponrateandwhichhavedifferentmaturityandriskcharacteristics.24.lenderscansetasideagroupofloansontheirbalancesheet,issuebondsandpledgetheloansasthebank’sbalancesheetasliabilities.25.appeartohavetheunofficialbackingofthefederalgovernmentintheeventofdefault.answer: governmentsponsoredenterprises(gses)true/falsequestionstf26.securitizationisdesignedtoturnilliquidloansintoliquidassetsintheformofsecuritiessoldintheopenmarket.answer:truet f27.answer:truet f28.securitizedassetscannotberemovedfromabanksbalancesheetuntiltheymature.answer:falsetestbank,chapter9148t f29.securitizationraisesthelevelofcompetitionforthebest-qualityloansamongbanks.answer:truet f30.servicingrightsonloanssoldconsistofthecollectionofinterestandprincipalpaymentsfromborrowersandmonitoringborrowercompliancewithloanterms.answer:truet f31.aloansoldbyabanktoanotherinvestorwithrecoursemeansthebankhasgiventheanswer:falset f32.anaccountpartywillseekabanksstandbycreditguaranteeifthebanksfeeforissuingtheguaranteeislessthanthevalueassignedtheguaranteebyitsbeneficiary.answer:truetf33.securitizationtendstolengthenthematurityofabanksassets.answer:falset f34.securitizedassetsasasourceofbankfundsaresubjecttoreserverequirementssetbythefederalreserveboard.answer:falset f35.securitizationsofcommercialloansusuallycarrythesameregulatorycapitalrequirementsforabankastheoriginalloansthemselves.answer:truet f36.mostloansthatbankssellofftheirbalancesheetshaveminimumdenominationsofatleastamilliondollars.answer:truet f37.mostloansthatbankssellofftheirbalancesheetscarryinterestratesthatusuallyareconnectedtolong-terminterestrates(suchasthe30-yeartreasurybondrate).answer:falset f38.inaparticipationloanthepurchaserisanoutsidertotheloancontractbetweenthefinancialinstitutionsellingtheloanandtheborrower.answer:truerose/hudgins,bankmanagementandfinancialservices,8/e149tf39.answer:truet f40.underanassignmentownershipofaloanistransferredtothebuyer,thoughthebuyerstillholdsonlyanindirectclaimagainsttheborrower.answer:falset f41.loansalesaregenerallyviewedasrisk-reducingforthesellingfinancialinstitution.answer:truet f42.inacmo,thedifferenttiers(ortranches)ofsecuritypurchasersfacethesameprepaymentrisk.answer:falsetf43.astandbyletterofcreditsubstantiallyreducestheissuingbanksinterestrateriskandliquidityrisk.answer:falset f44.securitizationofloanscaneasilybeappliedtobusinessloanssincetheseloanstendtohavesimilarcashflowschedulesandcomparableriskstructures.answer:falset f45.theadvantageofacreditswapisthatitallowseachbankintheswaptobroadenitsmarketareaandspreadoutitscreditriskonitsloans.answer:truet f46.bankuseofcreditderivativesisdominatedbythelargestbanks.answer:truet f47.thecreditderivativesmarkethasgrownnine-foldduringtherecentyears.answer:truet f48.banksaretheprincipalsellersofcreditderivatives.answer:falset f49.banksareoneoftheprincipalbuyersofcreditderivatives.answer:truet150f50.insurancecompaniesareoneoftheprincipalsellersofcreditderivatives. testbank,chapter9