《商业银行经营学》(复习提纲)习题

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1、1、FillintheBlankQuestions(1pointforeach)(1)_______________________isanewerserviceprovidedbybankswherethebanklendsmoneytoindividualsforthepurchaseofdurableandothergoods.(2)Thelooseningofgovernmentregulationandcontroloffinancialinstitutionsiscalled______.(3)Abankwhichnowoffersalloftheavailable

2、financialservicesisknownasa__________bank.(4)A(n)buysandsellssecuritiesonbehalfoftheircustomersandfortheirownaccounts.ExamplesofthistypeoffinancialserviceproviderincludeMerrillLynchandCharlesSchwab.(5)OnetoolthattheFederalReserveusestocontrolthemoneysupplyis___________.TheFederalReservewillb

3、uyandsellT-billswhentheyareusingthistoolofmonetarypolicy.Thefederalbankregulatoryagencywhichexaminesthemostbanksisthe______________.(6)Theshorttermsecuritiesofthebank,includingT-Billsandcommercialpaper,areoftencalled__________________________becausetheyarethesecondlineofdefensetomeetdemandsf

4、orcash.Answer:(7)A(n)__________________________isadepositaccountwhichpaysaninterestratecompetitivewithmoneymarketmutualfundsandwhichgenerallyhaslimitedcheckwritingability.__________________________canbeheldbyindividualsandnonprofitinstitutions,bearinterestandpermitdraftsfrombeingwrittenagain

5、sttheaccounttopaythirdparties.(1)Theequitymultiplierforabankmeasurestheamountof_____________________ofthebankandisonepartoftheevaluationofthebank'sROE.(2)__________________________istheriskthatthefinancialinstitutionmaynotbeabletomeettheneedsofdepositorsforcash.(3)Atraditionalmeasureofearnin

6、gsefficiencyisthe__________________ortotalinterestincomeovertotalearningsassetslesstotalinterestexpensesovertotalinterestbearingbankliabilities.Itmeasurestheeffectivenessofafirm’sintermediationfunctionintheborrowingandlendingofmoney.(4)The__________________istheinterestratethatequalizesthecu

7、rrentmarketpriceofabondwiththepresentvalueofthefuturecashflows.(5)_________________________isthedifferencebetweeninterest-sensitiveassetsandinterest-sensitiveliabilities.(6)A(n)_________________________allowstheholdertherighttoeithersellsecuritiest