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商业银行经营管理学（2020春夏） 2024智慧树满分答案
第一章 单元测试
1、判断题：
In the U.S a bank is defined by federal and state laws and by bank regulators，so that we can divide the commecial banks in the U.S into two kinds：national bank and state bank .
A:错
B:对
答案: 对
2、判断题：
In the United States, banks are regulated through a dual banking system; that is, both federal and state authorities have significant regulatory powers.
A:错
B:对
答案: 对
3、多选题：
The Principal Reasons Financial-service Firms Are Subject to Government Regulation.( )
A:
To protect the safety of the public’s savings.
B:
To control the supply of money and credit in order to achieve a nation’s broad economic goals.
C:
To avoid concentrations of financial power in the hands of a few individuals and institutions.
D:
To promote public confidence in the financial system, so that savings flow smoothly into productive investment, and payments for goods and services are made speedily and efficiently.
E:
To ensure equal opportunity and fairness in the public’s access to credit and other vital financial services.
答案:
To protect the safety of the public’s savings.
;
To control the supply of money and credit in order to achieve a nation’s broad economic goals.
;
To avoid concentrations of financial power in the hands of a few individuals and institutions.
;
To promote public confidence in the financial system, so that savings flow smoothly into productive investment, and payments for goods and services are made speedily and efficiently.
;
To ensure equal opportunity and fairness in the public’s access to credit and other vital financial services.
4、判断题：
Offer all of their services from one office, although some services (such as taking deposits, cashing checks, or paying bills) may be offered from limited-service facilities, such as drive-up windows and automated teller machines (ATMs) that are linked to the bank’s computer system，this organization structure is Unit bank.
A:对
B:错
答案: 对
5、判断题：
A bank holding company is simply a corporation chartered for the purpose of holding the stock (equity shares) of at least one bank.
A:错
B:对
答案: 对
6、判断题：
美国金融业属于混业经营，混业监管。
A:对
B:错
答案: 错
7、判断题：
In the USA，OCC issues charters for new national banks.
A:错
B:对
答案: 对
8、单选题：
下面对中国金融业和金融监管体制说法正确的是（）
A:中国金融业属于混业经营，分业监管
B:中国目前主要金融监管机构是一行三会
C:中国目前主要金融监管机构是一行两会
D:中国金融业属于分业经营，混业监管
答案: 中国目前主要金融监管机构是一行两会
9、单选题：
中央银行作为金融监管的重要机构，通过制定和实施货币政策进行宏观调控，下面的货币政策工具使用中属于扩张性货币政策的是（）
A:降低再贴现率
B:窗口指导
C:提高法定存款准备金率
D:在公开市场上出售有价证券
答案: 降低再贴现率
10、判断题：
Economies of scope mean that doubling output of any one service or package of services will result in less than doubling production costs because of greater efficiencies in using the firm`s resources to produce multiple units of the same service package.
A:错
B:对
答案: 错
第二章 单元测试
1、判断题：
由于各国金融体制的差异和金融市场发达的程度不同，各国银行的负债结构不尽相同；即使在同一国家的同一家银行，由于经济发展和金融环境的变化，其负债结构也处于不断变化的过程中。但不管是在哪一个国家，存款始终是银行的主要负债，也是银行经常性资金的来源；借入负债的比重则随金融市场的发展而不断有所上升。
A:错
B:对
答案: 对
2、判断题：
商业银行的存款作为主要资金来源其规模应该是越多越好。
A:对
B:错
答案: 错
3、判断题：
利用成本价利润定价法可以用来确定合适的存款利率
A:错
B:对
答案: 错
4、多选题：
Factors of Conditional Pricing method considering in order to price a deposit include ( )
A:
number of checks written, deposits made, wire transfers, stop-payment orders, or notices of insufficient funds issued.
B:
The maturity of the deposit in days, weeks, or months.
C:
The average balance held in the account over a designated period.
D:the heathy operation of the economy
答案:
number of checks written, deposits made, wire transfers, stop-payment orders, or notices of insufficient funds issued.
;
The maturity of the deposit in days, weeks, or months.
;
The average balance held in the account over a designated period.
5、判断题：
Subordinated debentures belong to core capital of a bank.
A:对
B:错
答案: 错
6、判断题：
Preferred stock represents ownership with investors` claim superior to those of common stockholders but subordinated to those of debtholders.
A:错
B:对
答案: 对
7、单选题：
Selling deposits that usually sets low prices and fees initially to encourage customers to open an account and then raises prices and fees later on, this method of deposit pricing is ( ).
A:Market penetration deposit pricing
B:Conditional Pricing
C:Relationship pricing
D:Pricing Deposits at Cost Plus Profit Margin
答案: Market penetration deposit pricing
8、单选题：
Dollar denominated CDs issued outside the U.S. is ()
A:Thrift CDs
B:Yankee CDs
C:Domestic CDs
D:Euro CDs
答案: Euro CDs
9、多选题：
In the following type of bank capitals, ( ) belong to Tie 1 capital.
A:allowance for loan and lease losses
B:undivided profits
C:common stock and surplus
D:subordinated debt capital instruments
答案: undivided profits;common stock and surplus
10、单选题：
提出维持银行稳健运营的三大支柱是最低资本充足率、外部监管与银行内部控制相结合和市场约束的是（）。
A:多德弗兰克法案
B:Basell 2
C:Basell 1
D:Basell 3
答案: Basell 2
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