《商业银行经营学》(复习提纲)

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1、《商业银行经营学》（复习提纲）FillintheBlankQuestions(1)isanewerserviceprovidedbybankswherethebanklendsmoneytoindividualsforthepurchaseofdurableandothergoods.(2)Abankwhichnowoffersalloftheavailablefinancialservicesisknownasabank・(3)Theshorttermsecuritiesofthebank,includin

2、gT-Billsandcommercialpaper,areoftencalledbecausetheyarethesecondlineofdefensetomeetdemandsforcash・(4)canbeheldbyindividualsandnonprofitinstitutions,bearinterestandpermitdraftsfrombeingwrittenagainsttheaccounttopaythirdparties.(5)A(n)allowstheholdertherightt

3、oeithersellsecuritiestoanotherinvestor(put)orbuysecuritiesfromanotherinvestor(call)forasetpricebeforetheexpirationdate・(6)A(n)isacontingentclaimofthebankthatissuesit.Theissuingbank,inreturnforafee,guaranteestherepaymentofaloanreceivedbyitscustomerorthefulfi

4、llmentofacontractmadebyitscustomertoathirdparty・(1)Debtinstrumentsissuedbycities,statesandotherpoliticalentitiesandwhichareexemptfromfederaltaxesarecollectivelyknownas(2)Theisthetotaldifferencebetweenitssourcesandusesoffunds・(3)Whenacustomerischargedbasedon

5、thenumberandkindsofservicesused,withthecustomersthatuseanumberofservicesbeingchargedlessorhavingsomefeeswaived,thisiscalledpricing.(4)Corecapitalsuchascommonstock,surplus,undividedprofits,qualifyingnoncumulativepreferredstock,etc.isreferredtoascapitalasdefi

6、nedbytheBaselagreement.2、True/FalseQuestions(1)Theroleperformedbybanksintheeconomyinwhichtheytransformsavingsintocreditisknownastheintermediationrole()・(2)IntheUnitedStates,fixedfeeschargedfordepositinsurance,regardlessofhowriskyabankis,ledtoaproblemknownas

7、moralhazard()・(3)Abank'sROAequalsitsROEtimestheratiooftotalassetsdividedbytotalequitycapital()・(4)Charge-offsrepresentsecuritiesabankdecidestosellbecausetheyhavedeclinedinvalue().(1)Aliability-sensitivebankwillexperienceanincreaseinitsnetinterestmarginifint

8、erestratesrise().(2)Thebuyerofaloanparticipationmustwatchboththeborrowerandthesellerbankclosely()・(3)Prepaymentriskonsecuritizedassetsgenerallyincreaseswheninterestratesrise().(4)Whenabanktemporarilyof