商业银行管理bank managment&financial services(7th))(复习练习题答案)

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1、1、FillintheBlankQuestions(1pointforeach)(1)__consumerloans/__consumerlending____isanewerserviceprovidedbybankswherethebanklendsmoneytoindividualsforthepurchaseofdurableandothergoods.(2)Thelooseningofgovernmentregulationandcontroloffinancialinstitutionsiscalled_deregulation_____.(3

2、)Abankwhichnowoffersalloftheavailablefinancialservicesisknownasa_universal__bank.(4)A(n)securitybrokerbuysandsellssecuritiesonbehalfoftheircustomersandfortheirownaccounts.ExamplesofthistypeoffinancialserviceproviderincludeMerrillLynchandCharlesSchwab.(5)OnetoolthattheFederalReserv

3、eusestocontrolthemoneysupplyis_openmarketoperations__.(6)TheFederalReservewillbuyandsellT-billswhentheyareusingthistoolofmonetarypolicy.Thefederalbankregulatoryagencywhichexaminesthemostbanksisthe___FDIC___.(7)Theshorttermsecuritiesofthebank,includingT-Billsandcommercialpaper,areo

4、ftencalled__secondaryreserves______becausetheyarethesecondlineofdefensetomeetdemandsforcash.Answer:(8)A(n)_moneymarketdepositaccount_isadepositaccountwhichpaysaninterestratecompetitivewithmoneymarketmutualfundsandwhichgenerallyhaslimitedcheckwritingability.(9)_Nowaccounts__canbehe

5、ldbyindividualsandnonprofitinstitutions,bearinterestandpermitdraftsfrombeingwrittenagainsttheaccounttopaythirdparties.(10)Theequitymultiplierforabankmeasurestheamountof__leverage(debt)____ofthebankandisonepartoftheevaluationofthebank'sROE.(11)_liquidityrisk________________________

6、_istheriskthatthefinancialinstitutionmaynotbeabletomeettheneedsofdepositorsforcash.(12)Atraditionalmeasureofearningsefficiencyisthe___earningsspread____ortotalinterestincomeovertotalearningsassetslesstotalinterestexpensesovertotalinterestbearingbankliabilities.Itmeasurestheeffecti

7、venessofafirm’sintermediationfunctionintheborrowingandlendingofmoney.(13)The_yieldtomaturity(YTM)__istheinterestratethatequalizesthecurrentmarketpriceofabondwiththepresentvalueofthefuturecashflows.(14)_dollarinterest-sensitivegap_isthedifferencebetweeninterest-sensitiveassetsandin

8、terest-sensitiveliabilities.(15)A