货币银行学题目自选复习.doc

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1、CH1WhyStudyMoney,Banking,andFinancialMarkets?1.为什么金融市场对于经济的健康运行至关重要？Theychannelfundsfrompeoplewhodonothaveaproductiveuseforthemtopeoplewhodo,therebyresultinginhighereconomicefficiency.2.外汇汇率的变化会对金融机构的盈利产生怎样的影响？Changesinforeignexchangerateschangethevalueofassetsheldbyfinancialinstitutionsan

2、dthusleadtogainsandlossesontheseassets.Alsochangesinforeignexchangeratesaffecttheprofitsmadebytradersinforeignexchangewhoworkforfinancialinstitutions.3.当美元相对于其他国家的货币的价值上升时，你更愿意买美国产的还是外国产的裤子？美国生产裤子的企业更愿意看到美元走强还是走弱？美国进口裤子的贸易公司会受到美元汇率怎样的影响？foreigngoodsbecomelessexpensiverelativetoAmericangood

3、s;youaremorelikelytobuyFrench-madejeans.TheresultingdropindemandforAmerican-madejeansbecauseofthestrongdollarhurtsAmericanjeansmanufacturers.Ontheotherhand,theAmericancompanythatimportsjeansintoUSnowfindsthatthedemandforitsproducthasrisen,soitisbetteroffwhenthedollarisstrong.4.国外投资者持有的美国债务

4、主要是政府债券和国库券，美元汇率的变动会如何影响外国投资者所持有的美元债务的价值？Asthedollarbecomesstrongerrelativetoaforeigncurrency,onedollarisequivalenttomoreforeigncurrency.Astrongerdollarwillyieldmorehomecurrencytoforeigners,sotheassetwillbeworthmoretoforeigninvestors.Likewise,aweakdollarwillleadtoforeignbondholdingsworthle

5、sstoforeigners.5.当利率上升时，每个人的情况都会变坏吗？No.Itistruethatpeoplewhoborrowtopurchaseahouseoracarareworseoffbecauseitcoststhemmoretofinancetheirpurchase;however,saversbenefitbecausetheycanearnhigherinterestratesontheirsavings.CH2Whatismoney？1.为什么通货不是恰当的货币计量指标？Ifcurrencycanbeusedasmoney,alotofothera

6、ssetshaveliquiditypropertiesthataresimilartocurrency,notcountingthemwouldunderstateaneconomy’saccesstoliquidityfortransactionspurposes.Forthisreason,countingassetssuchascheckingdepositsorsavingsaccountsmoreaccuratelyreflectsthestockofassetsthatcanbeconsideredmoney.可编辑word,供参考版！1.如果你使用诸如Pay

7、pal之类的在线支付体系在网上购买产品和服务，会影响到M1货币供给量还是M2货币供给量，抑或两类货币供给量都会或者都不会被影响？Neither.PayPalandmanyothere-moneysystemsdonotcountintheM1orM2.BecausePayPalandsimilarpaymentsystemsaregenerallycredit-based,thisrequirespaymentatafuturedateforfundsusedtoday;thosefuturepaymentsmus