货币银行习题英文版.doc

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1、Test11.WhichitembelowisnotoneofthefivepartsoftheFinancialSystem?A)Money.B)Centralbanks.C)FinancialMarketsD)FinancialInstitutions.E)Creditcards.2.ThefivecoreprinciplesofMoneyandBankingincludeeachofthefollowingexcept?A)Allpeopleactrationally.B)Timehasvalu

2、e.C)Informationisthebasisfordecisions.D)Riskrequirescompensation.E)Marketssetpricesandallocateresources.3.Thestatement"riskrequirescompensation"implies:A)Peopleonlyacceptriskwhentheyabsolutelyhaveto.D)Peoplewillpaytoavoidrisk.B)Peoplewillonlyacceptriskw

3、hentheyarerewardedfordoingso.C)Peopledonottakerisk.E)bandd4.Banksusuallyofferlowerratesofinteresttopeoplewillingtokeeptheirfundsinthebankforashorttimebecause:A)Thebanksreallydonotwantthesepeopleascustomers.B)Banksreallydonotwantalotofpeoplecomingintothe

4、bank.C)Bankersrealizetimehasvalueandpeopleneedtobecompensatediftheyaretokeeptheirmoneyinthebanklonger.D)Alloftheabove5.Whichofthefollowingstatementsbestdescribesfinancialmarkets?A)Financialmarketsraisethecostandincreasethespeedofbuyingandsellingfinancia

5、linstrumentssincepeopleareearningfeesforthesetransactions.B)Financialmarketsincreasethespeedofbuyingandselling,andtheyalsodecreasethecost.C)Financialmarketsareagoodexampleofunregulatedmarkets.D)bandc6.TheNewYorkStockExchangeisanexampleof:A)Afinancialins

6、trument.B)Acentralbank.C)AfinancialmarketD)Alloftheabove7.Whenanindividualobtainsastudentloanandmakesalloftheregularmonthlypayments,thesumofthepaymentsmadewillexceedtheinitialamountoftheloan.Thisisdueprimarilytothecoreprinciple:A)Mostpeopledonotpaybacks

7、tudentloans.B)TimehasvalueE)Stabilityimproveswelfare.C)Marketsaresometimesinefficientatallocatingresources.D)Informationisthebasisfordecisions.8.Monetarypolicyisbestdescribedas:A)Attemptstokeepinflationconstant.B)Determiningthedenominationsandsupplyofac

8、ountry'scurrency.C)OneofthemostimportantfunctionsofCongress.D)Attemptstokeepinflationlowandstableandgrowthhighandstable.9.Thecoreprinciplesofmoneyandbankingwouldimplythatifmorestudentsdidn'tpaybacktheirstudentloans:A)Studentloans