《商业银行经营学》(复习提纲).doc

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1、《商业银行经营学》（复习提纲）1、FillintheBlankQuestions(1)________isanewerserviceprovidedbybankswherethebanklendsmoneytoindividualsforthepurchaseofdurableandothergoods.(2)Abankwhichnowoffersalloftheavailablefinancialservicesisknownasa__________bank.(3)Theshorttermsecuritiesofthebank,i

2、ncludingT-Billsandcommercialpaper,areoftencalled_________becausetheyarethesecondlineofdefensetomeetdemandsforcash.(4)__________canbeheldbyindividualsandnonprofitinstitutions,bearinterestandpermitdraftsfrombeingwrittenagainsttheaccounttopaythirdparties.(5)A(n)__________a

3、llowstheholdertherighttoeithersellsecuritiestoanotherinvestor(put)orbuysecuritiesfromanotherinvestor(call)forasetpricebeforetheexpirationdate.(6)A(n)_____________isacontingentclaimofthebankthatissuesit.Theissuingbank,inreturnforafee,guaranteestherepaymentofaloanreceived

4、byitscustomerorthefulfillmentofacontractmadebyitscustomertoathirdparty.(7)Debtinstrumentsissuedbycities,statesandotherpoliticalentities9andwhichareexemptfromfederaltaxesarecollectivelyknownas_______________.(1)The_____________isthetotaldifferencebetweenitssourcesanduses

5、offunds.(2)Whenacustomerischargedbasedonthenumberandkindsofservicesused,withthecustomersthatuseanumberofservicesbeingchargedlessorhavingsomefeeswaived,thisiscalled_____________pricing.(3)Corecapitalsuchascommonstock,surplus,undividedprofits,qualifyingnoncumulativeprefer

6、redstock,etc.isreferredtoas_____________capitalasdefinedbytheBaselagreement.1、True/FalseQuestions(1)Theroleperformedbybanksintheeconomyinwhichtheytransformsavingsintocreditisknownastheintermediationrole().(2)IntheUnitedStates,fixedfeeschargedfordepositinsurance,regardle

7、ssofhowriskyabankis,ledtoaproblemknownasmoralhazard().(3)Abank'sROAequalsitsROEtimestheratiooftotalassetsdividedbytotalequitycapital().(4)Charge-offsrepresentsecuritiesabankdecidestosellbecausetheyhavedeclinedinvalue().9(1)Aliability-sensitivebankwillexperienceanincreas

8、einitsnetinterestmarginifinterestratesrise().(2)Thebuyerofaloanparticipationmustwatchboththeborrowerandthesell