金融学(双语)复习资料第4章.doc

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1、AChapter4F1.Afinancialintermediarytransfersfundsfromborrowerstolendersbycreatingclaimsonitself.金融中介机构通过建立自身债权转让从借款人的资金贷款T2.Whencashisdepositedinacheckingaccount,thereservesofcommercialbanksareincreased.当现金存入支票帐户时，商业银行的准备金增加F3.Whenfundsaredepositedinasavingsaccount,theexcessreservesofbanksareunaf

2、fected.当资金存入储蓄账户中，银行的超额准备金不受影响F4.Largecertificatesofdepositinunitsof$500,000areinsuredbyFDIC.存款50万元的单位大证由美国联邦存款保险公司的保险保障T5.Ingeneral,bankspreferloansthatstressliquidityandsafety.一般情况下，银行更喜欢强调流动资金贷款和安全性T6.Savingsandloanassociationsareamajorsourceofmortgagefunds.储蓄和贷款协会是抵押贷款资金的主要来源F7.Insurancecomp

3、aniesareamajorsourceofloanstoindividuals.保险公司是个人贷款的主要来源T8.Moneymarketmutualfundsinvestinshort-termsecuritieslikeU.S.Treasurybills.货币市场共同基金投资于如美国国库券的短期证券F9.Anincreaseininterestratestendstoreducetheearningsofmoneymarketmutualfunds.在利率上升往往会降低货币市场共同基金的收益T10.ApensionplanthatinvestsinthestockofIBMorVe

4、rizondoesnotperformthefunctionofafinancialintermediary.投资于IBM或Verizon公司的股票的退休金计划不执行金融中介的功能F11.Investmentsinmoneymarketmutualfundsareinsuredupto$100,000bythefederalgovernment.在货币市场共同基金投资是投保高达10万美元的联邦政府T12.Afinancialintermediarycreatesclaimsonitself,whenitacceptsdepositors'funds.金融中介机构建立自身债权，当它接受存

5、款人的资金F13.Ifafirmissuessecuritiesthataresoldtoacommercialbank,individuals'savingsaredirectlytransferredtothefirm.。如果一家公司发出的出售给商业银行证券，个人储蓄会直接传送到该公司F14.M-2excludescheckingaccountsinsavingsbanks.M-2不包括检查储蓄银行账户a1.Whichofthefollowingisnotafinancialintermediary?下列哪项不属于金融中介？a.NewYorkStockExchange纽约证券交易所

6、b.WashingtonSavingsandLoan华盛顿储蓄和贷款c.FirstNationalCityBank第一国民城市银行d.MerchantsSavingsBank招商储蓄银行c2.Whichofthefollowingassetsarethemostliquid?下列哪些资产是流动性最强？a.moneyandantiques钱和古董b.bondsandrealestate债券和房地产c.savingsaccountsandcheckingaccounts储蓄账户和支票账户d.stocksandbonds股票和债券a3.M1includescoins,currency,an

7、d.M≥1，包括硬币，货币，和。a.demanddeposits活期存款b.savingsaccounts储蓄账户c.certificatesofdeposit存款证d.timedeposits定期存款b4.ThepowertocreatemoneyisgivenbytheConstitutionto创造货币的权力是宪法赋予a.stategovernments州政府b.Congress国会c.theFederalReserve美联储d.comm