《商业银行经营学》(复习题：附答案)

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1、1、FillintheBlankQuestions(1)_______________________isanewerserviceprovidedbybankswherethebanklendsmoneytoindividualsforthepurchaseofdurableandothergoods.Answer:Consumerlending(2)Thelooseningofgovernmentregulationandcontroloffinancialinstitutionsiscall

2、ed______.Answer:deregulation(3)Abankwhichnowoffersalloftheavailablefinancialservicesisknownasa__________bank.Answer:universal(4)A(n)buysandsellssecuritiesonbehalfoftheircustomersandfortheirownaccounts.Examplesofthistypeoffinancialserviceproviderinclud

3、eMerrillLynchandCharlesSchwab.Answer:securitybroker(ordealer)(5)OnetoolthattheFederalReserveusestocontrolthemoneysupplyis___________.TheFederalReservewillbuyandsellT-billswhentheyareusingthistoolofmonetarypolicy.Answer:openmarketoperations(6)Thefedera

4、lbankregulatoryagencywhichexaminesthemostbanksisthe______________.Answer:FDIC(7)Theshorttermsecuritiesofthebank,includingT-Billsandcommercialpaper,areoftencalled__________________________becausetheyarethesecondlineofdefensetomeetdemandsforcash.Answer:

5、secondaryreserves(8)A(n)__________________________isadepositaccountwhichpaysaninterestratecompetitivewithmoneymarketmutualfundsandwhichgenerallyhaslimitedcheckwritingability.Answer:moneymarketdepositaccount(9)__________________________canbeheldbyindiv

6、idualsandnonprofitinstitutions,bearinterestandpermitdraftsfrombeingwrittenagainsttheaccounttopaythirdparties.Answer:Nowaccounts(10)Theequitymultiplierforabankmeasurestheamountof_____________________ofthebankandisonepartoftheevaluationofthebank'sROE.An

7、swer:leverage(debt)(11)__________________________istheriskthatthefinancialinstitutionmaynotbeabletomeettheneedsofdepositorsforcash.Answer:Liquidityrisk(12)Atraditionalmeasureofearningsefficiencyisthe__________________ortotalinterestincomeovertotalearn

8、ingsassetslesstotalinterestexpensesovertotalinterestbearingbankliabilities.Itmeasurestheeffectivenessofafirm’sintermediationfunctionintheborrowingandlendingofmoney.Answer:earningsspread(13)The__________________istheinterestratethatequalizesthe