Chapter 9
Risk Management: Asset-Backed Securities, Loan Sales, Credit Standbys, and Credit Derivatives
Fill in the Blank Questions
1. When a bank sets aside a group of income-earning assets and then sells securities based upon those
assets it is ________________________ those assets.
Answer: securitizing
2. Often when loans are securitized they are passed on to a _________________________ who pools
the loans and sells securities.
Answer: special purpose entity
3. A(n) _________________________ allows a homeowner to borrow against the residual value of
their residence.
Answer: home equity loan
4. _________________________ allow the bank to generate fee income after they have sold a loan.
The bank continues to collect interest and principal from the borrowers and passes these collections to the loan buyers.
Answer: Servicing rights
5. In a _________________________ an outsider purchases part of a loan from the selling financial
institution. Generally the purchaser has no influence over the terms of the loan contract.
Answer: participation loan
6. A(n) _________________________ is a contingent claim of the bank that issues it. The issuing
bank, in return for a fee, guarantees the repayment of a loan received by its customer or the
fulfillment of a contract made by its customer to a third party.
Answer: standby credit agreement
7. A(n) _________________________ occurs when two banks agree to exchange a portion or all of
the loan repayments of their customers.
Answer: credit swap
8. A(n) __________________ guards against the losses in the value of a credit asset. It would pay off
if the asset declines significantly in value or if it completely turns bad.
Answer: credit option.
9. A(n) _________________________ combines a normal debt instrument with a credit option. It
allows the issuer of the debt instrument to lower its loan repayments if some significant factor changes.
Answer: credit linked note
10. The _________________________ of a standby letter of credit is a bank or other investor who is
concerned about the safety of funds committed to the recipient of the standby letter of credit.
Answer: beneficiary
11. A(n) _________________________ guarantees the swap parties a specific rate of return on their
credit asset. Bank A may agree to pay the total return on the loan to Bank B plus any appreciation in the market value of the loan. In return Bank A will often get LIBOR plus a fixed spread plus any depreciation in the value of the loan.
Answer: total return swap
12. The ________________________ is the party that is requesting a standby letter of credit.
Answer: account party
13. The __________________ is the bank or financial institution which guarantees the payment of the
loan in a standby letter of credit.
Answer: issuer
14. A(n) _________________________ is a loan sale where ownership of the loan is transferred to the
buyer of the loan, who then has a direct claim against the borrower.
Answer: assignment
15. Another type of loan sale is a(n) _________________________ which is a short dated piece of a
longer maturity loan, entitling the purchaser to a fraction of the expected loan income.
Answer: loan strip
16. A relatively new type of credit derivative is a CDO which stands for __________________.
Answer: collateralized debt obligation
17. Insurance companies are a prime __________ of credit derivatives.
Answer: seller
18.A(n) is an over-the-counter agreement offering protection against loss
when default occurs on a loan or other debt instrument.
Answer: credit derivative
19.A(n) is related to the credit option and is usually aimed at lenders able
to handle comparatively limited declines in value but wants insurance against serious losses.
Answer: credit default swap
20.There has been an explosion in in recent years. These instruments rest on
pools of credit derivatives that mainly insure against defaults on corporate bonds. The creators of these instruments do not have to buy and pool actual bonds but can create these instruments and generate revenues from selling and trading in them.
Answer: synthetic CDOs (Collateralized debt obligations)
21. A rates the securities to be sold from a pool of securitized loans so
that investors have a better idea of what the new securities are likely to be worth.
Answer: credit rating agency
22.A(n) is an assurance that investors will be repaid in the event of the
default of the underlying loans in a securitization. These can be internal or external to the
securitization process and lower the risk of the securities.
Answer: credit enhancement
23.When the FHLMC creates CMOs they often use different which each
promise a different coupon rate and which have different maturity and risk characteristics.
24.Lenders can set aside a group of loans on their balance sheet, issue bonds and pledge the loans as
collateral against the bonds in . These usually stay on the bank’s balance sheet as liabilities.
25.FNMA (Fannie Mae) and FHLMC (Freddie Mac) are examples of . They
appear to have the unofficial backing of the federal government in the event of default.
Answer: government sponsored enterprises (GSEs)
True/False Questions
T F 26. Securitization is designed to turn illiquid loans into liquid assets in the form of securities sold in the open market.
Answer: True
T F 27. Securitization has the added advantage of generating fee income for banks.
Answer: True
T F 28. Securitized assets cannot be removed from a bank's balance sheet until they mature.
Answer: False
T F 29. Securitization raises the level of competition for the best-quality loans among banks.
Answer: True
T F 30. Servicing rights on loans sold consist of the collection of interest and principal payments from borrowers and monitoring borrower compliance with loan terms.
Answer: True
T F 31. A loan sold by a bank to another investor with recourse means the bank has given the investor a call option on the loan.
Answer: False
T F 32. An account party will seek a bank's standby credit guarantee if the bank's fee for issuing the guarantee is less than the value assigned the guarantee by its beneficiary.
Answer: True
T F 33. Securitization tends to lengthen the maturity of a bank's assets.
Answer: False
T F 34. Securitized assets as a source of bank funds are subject to reserve requirements set by the Federal Reserve Board.
Answer: False
T F 35. Securitizations of commercial loans usually carry the same regulatory capital requirements for a bank as the original loans themselves.
Answer: True
T F 36. Most loans that banks sell off their balance sheets have minimum denominations of at least
a million dollars.
Answer: True
T F 37. Most loans that banks sell off their balance sheets carry interest rates that usually are connected to long-term interest rates (such as the 30-year Treasury bond rate).
Answer: False
T F 38. In a participation loan the purchaser is an outsider to the loan contract between the financial institution selling the loan and the borrower.
Answer: True
T F 39. The buyer of a loan participation must watch both the borrower and the seller bank closely.
Answer: True
T F 40. Under an assignment ownership of a loan is transferred to the buyer, though the buyer still holds only an indirect claim against the borrower.
Answer: False
T F 41. Loan sales are generally viewed as risk-reducing for the selling financial institution.
Answer: True
T F 42. In a CMO, the different tiers (or tranches) of security purchasers face the same prepayment risk.
Answer: False
T F 43. A standby letter of credit substantially reduces the issuing bank's interest rate risk and liquidity risk.
Answer: False
T F 44. Securitization of loans can easily be applied to business loans since these loans tend to have similar cash flow schedules and comparable risk structures.
Answer: False
T F 45. The advantage of a credit swap is that it allows each bank in the swap to broaden its market area and spread out its credit risk on its loans.
Answer: True
T F 46. Bank use of credit derivatives is dominated by the largest banks.
Answer: True
T F 47. The credit derivatives market has grown nine-fold during the recent years.
Answer: True
T F 48. Banks are the principal sellers of credit derivatives.
Answer: False
T F 49. Banks are one of the principal buyers of credit derivatives.
Answer: True
T F 50. Insurance companies are one of the principal sellers of credit derivatives.
Answer: True
Multiple Choice Questions
51. Securitized assets carry a unique form of risk called:
A) Default risk
B) Inflation risk
C) Interest-rate risk
D) Prepayment risk
E) None of the above
Answer: D
52. Short-dated pieces of a longer-term loan, usually maturing in a few days or weeks, are called:
A) Loan participations
B) Servicing rights
C) Loan strips
D) Shared credits
E) None of the above
Answer: C
53. The party for whom a standby credit letter is issued by a bank is known as the:
A) Account party
B) Beneficiary
C) Representative
D) Credit Guarantor
E) None of the above
Answer: A
54. When a bank issues a standby credit guarantee on behalf of one of its customers, the party receiving
the guarantee is known as the:
A) Account party
B) Beneficiary
C) Obligator
D) Servicing agent
E) None of the above
Answer: B
55. Securitization had its origin in the selling of securities backed by _____________
A) Credit card receivables
B) Residential mortgage loans
C) Computer leases
D) Automobile loans
E) Truck leases
Answer: B
56. Loan-backed securities, which closely resemble traditional bonds, carry various forms of credit
enhancements, which may include all of the following, EXCEPT:
A) Credit letter guaranteeing repayment of the securities.
B) Set aside of a cash reserve.
C) Division into different risk classes.
D) Early payment clauses.
E) None of the above.
Answer: D
57. In some instances, a bank will sell loans and agree to give the loan purchaser recourse to the seller
for all or a portion of those loans that become delinquent. In this case, the purchaser, in effect, gets a:
A) Call option.
B) Put option.
C) Forward contract.
D) Futures contract
E) None of the above.
Answer: B
58. The key advantages of issuing standby letters of credit include which of the following:
A) Letters of credit generate fee income for the bank.
B) Letters of credit typically reduce the borrower's cost of borrowing.
C) Letters of credit can usually be issued for a relatively low cost.
D) The probability is low that the issuer of the letter of credit will be called upon to pay.
E) All of the above.
Answer: E
59. Banks that issue standby letters of credit may face which of the following types of risk?
A) Prepayment risk.
B) Interest-rate risk.
C) Liquidity risk.
D) All of the above.
E) B and C only.
Answer: E
59.By agreeing to service any assets that are packaged together in the securitization process a bank
can:
A) Ensure the assets that are packaged and securitized remain in the package and are not sold off.
B) Choose the best loans to go through the securitization process.
C) Earn added fee income.
D) Liquidate any assets it chooses.
E) None of the above.
Answer: C
60. The difference in interest rates between securitized loans themselves and the securities issued
against the loans is referred to as:
A) The funding gap
B) Residual income.
C) Service returns
D) Security income
E) None of the above
Answer: B
61. If a credit letter is issued to backstop payments on loan-backed securities, the credit letter is a form
of:
A) Collateralized asset
B) Residual income
C) Direct loan obligation
D) Credit enhancement
E) None of the above
Answer: D
62. Loan sales by banks are generally of two types: (a) participation loans; and (b)__________. The
term that correctly fills in the blank above is:
A) Assignments
B) Recourse loans
C) Direct loans
D) Subscription loans
E) None of the above.
Answer: A
63. A standby credit letter is a (or an):
A) Securitized strip
B) Loan strip
C) Contingent obligation
D) Indirect loan
E) None of the above.
Answer: C
64. A bank that wants to protect itself from higher credit costs due to a decrease in its credit rating
might purchase _________________________ .
A) A credit risk option
B) A standby letter of credit
C) A credit linked note
D) A credit swap
E) None of the above
Answer: A
65. When two banks simply agree to exchange a portion of their customers' loan repayments, they are
using:
A) A credit option
B) A standby letter of credit
C) A credit linked note
D) A credit swap
E) None of the above
Answer: D
66. A debt instrument which allows the issuer to lower its coupon payments if some significant factor
changes is called:
A) A credit option
B) A standby letter of credit
C) A credit linked note
D) A credit swap
E) None of the above
Answer: C
67. Which of the following is a risk of using credit derivatives?
A) Credit derivatives do not protect against credit risk exposure
B) The partner in the swap or option contract may fail to perform
C) Regulators may decide to lower the amount of capital needed for banks using these derivatives
D) Regulators may decide that these derivatives make the bank more stable and efficient
E) All of the above are risks of using credit derivatives
Answer: B
68. A securitized asset where the asset used to back the securities is a loan based on the residual value
of a homeowner's residence is called:
A) A mortgage backed security
B) A credit card backed security
C) An automobile backed security
D) A loan backed bond
E) A home equity loan backed security
Answer: E
69. A financial institution plans to issue a group of bonds backed by a pool of automobile loans.
However, they fear that the default rate on the automobile loans will rise well above 4 percent of the portfolio – the projected default rate. The financial institution wants to lower the interest payments if the loan default rate rises too high. Which type of credit derivative contract would you most recommend for this situation?
A) Credit linked note
B) Credit option
C) Credit risk option
D) Total return swap
E) Credit swap
Answer: A
70. A bank is about to make a $50 million project loan to develop a new oil field and is worried that the
petroleum engineer's estimates of the yield on the field are incorrect. The bank wants to protect itself in case the developer cannot repay the loan. Which type of credit derivative contract would you most recommend for this situation?
A) Credit linked note
B) Credit option
C) Credit risk option
D) Total return swap
E) Credit swap
Answer: B
71. A bank plans to offer new subordinated notes in the open market next month but knows that its
credit rating is being reviewed by a credit rating agency. The bank wants to avoid paying sharply higher credit costs. Which type of credit derivative contract would you most recommend for this situation?
A) Credit linked note
B) Credit option
C) Credit risk option
D) Total return swap
E) Credit swap
Answer: C
72. A bank is concerned about excess volatility in its cash flows from some recent business loans it has
made. Many of these loans have a fixed rate of interest and the bank's economics department has forecast a sharp increase in interest rates. The bank wants more stable cash flows. Which type of credit derivative contract would you most recommend for this situation?
A) Credit linked note
B) Credit option
C) Credit risk option
D) Total return swap
E) Credit swap
Answer: D
73. A bank has a limited geographic area. It would like to diversify its loan income with loans in other
market areas but does not want to actually make loans in those areas because of their limited
experience in those areas. Which type of credit derivative contract would you most recommend for this situation?
A) Credit linked note
B) Credit option
C) Credit risk option
D) Total return swap
E) Credit swap
Answer: E
74. A bank has a long term relationship with a particular business customer. However, recently the
bank has become concerned because of a potential deterioration in the customer's income. In addition, regulators have expressed concerns about the bank's capital position. The business
customer has asked for a renewal of its $25 million dollar loan with the bank. Which credit
derivative can help this situation?
A) Credit swap
B) Loan sale
C) Loan securitization
D) Credit risk option
E) Credit linked notes
Answer: B
75. A bank has placed 5000 consumer loans in a package to be securitized. These loans have an annual
yield of 15.25 percent. This bank estimates that the securities on these loans are priced to yield
10.95 percent. The bank expects 1.45 percent of the loans will default. Underwriting and advisory
services will cost .25 percent and a credit guarantee if more loans default than expected will
cost .35 percent. What is the residual income from this loan securitization?
A) 3.70 percent
B) 4.30 percent
C) 2.25 percent
D) 5.15 percent
E) None of the above
Answer: C
76. Bank use of credit derivatives is dominated by
A) Community Banks
B) The largest (over $1 billion) banks
C) The retail banks
D) None of the banks
E) Banks do not use credit derivatives yet
Answer: B
77. According to the text, in 2005 the securitization of loans reached:
A) Million dollar market
B) Billion dollar market
C) Trillion dollar market
D) Market unknown in value
E) Small but growing market
Answer: C
78. The principal sellers of credit derivatives include all of the following except:
A) Insurance companies
B) Securities dealers
C) Fund management firms
D) Banks
E) None of the above
Answer: D
79.The bank or other lender whose loans are pooled is called:
A) The originator
B) The special purpose entity
C) The trustee
D) The servicer
E) The credit enhancer
Answer: A
80.Loans that are to be securitized pass to . This helps ensure that if the lender goes
bankrupt it does not affect the credit status of the pooled loans.
A) The originator
B) The special purpose entity
C) The trustee
D) The servicer
E) The credit enhancer
Answer: B
81.Someone appointed to ensure that the issuer fulfills all the requirements of the transfer of the loans
to the pool and provides all of the services promised to investors in the securities is called:
A) The originator
B) The special purpose entity
C) The trustee
D) The servicer
E) The credit enhancer
Answer: C
82.Someone who collects the payments on the securitized loans and passes those payments on to the
trustee is called:
A) The originator
B) The special purpose entity
C) The trustee
D) The servicer
E) The credit enhancer
Answer: D
83.Investors in securitized loans normally receive added assurance that they will be repaid in the form
of guarantees against default issued by:
A) The originator
B) The special purpose entity
C) The trustee
D) The servicer
E) The credit enhancer
Answer: E
84.When an issuer of securitized loans divides them into different risk classes or tranches, they are
providing an:
A) Internal credit enhancement
B) External credit enhancement
C) Internal liquidity enhancement
D) External liquidity enhancement
E) None of the above
Answer: A
85.When an issuer of securitized loans includes a standby letter of credit with the securitized loans,
they are providing an:
A) Internal credit enhancement
B) External credit enhancement
C) Internal liquidity enhancement
D) External liquidity enhancement
E) None of the above
Answer: B
86.When an issuer of securitized loans sets aside a cash reserve to cover loan defaults, they are
providing an:
A) Internal credit enhancement
B) External credit enhancement
C) Internal liquidity enhancement
D) External liquidity enhancement
E) None of the above
Answer: A
87.Which of the following is an advantage of securitizing loans?
A) D iversifying a lender’s credit risk exposure
B) Reducing the ne ed to monitor each individual loan’s payment stream
C) Transforming illiquid assets into liquid securities
D) Serving as a new source of funds for lenders and attractive investments for investors
E) All of the above are advantages of securitizing loans
Answer: E
88.Why are securitized loans often issued through a special purpose entity?
A) Because the securitized loans often add risk to the bank and need to be held separately
B) Because the securitized loans are not profitable for the bank and need to be held separately
C) Because the special purpose entity might fail and this prevents the failure of the bank
D) Because the bank might fail and this protects the credit status of the securitized loans
E) All of the above
Answer: D
89. A group of pooled loans used is expected to yield a return of 23%. The coupon rate promised to
investors on securities issued against the pool of loans is 8%. The default rate on the pooled loans is expected to be 4.5%. The fee to compensate a servicing institution for collecting payments on the loans is 2%. Fees to set up credit and liquidity enhancements are 3%. The fee for providing advising how to set up the pool of securitized loans is 1%. What is the residual income on this pool of loans?
A) 18.5%
B) 9%
C) 4.5%
D) 2%
E) None of the above
Answer: C
90.The coupon rate promised investors on securities issued against a pool of loans is 6.5%. The
default rate on the pool of loans is expected to be 3.5%. The fee to compensate a servicing
institution for collecting payments on the loan is 2%. Fees to set up credit and liquidity
enhancements are 5%. The residual income on this pool of loans is 7%. What is the expected yield on this pool of loans?
A) 24%
B) 12%
C) 10%
D) 6.5%
E) None of the above
Answer: A
91.In a collateralized mortgage obligation (CMO) a tranche:
A) Promises a different return (coupon) to investors
B) A liquidity enhancement
C) Carries a different risk exposure
D) A and C above
E) All of the above
Answer: D
92.What is one of the advantages of using loan-backed bonds?
A) Loans used as collateral for the bonds can be sold before the maturity of the bonds
B) Loan-backed bonds have longer maturities than deposits
C) Banks do not have to meet regulatory capital requirements on loans used as collateral
D) Banks can use less loans as collateral than the amount of bonds issued
E) All of the above are advantages of loan-backed bonds
Answer: B
93.What is one of the disadvantages of using loan backed bonds?
A) The cost of funding often rises
B) There is greater default risk on the bonds
C) Loans used as collateral for the bonds must be held until the bonds reach maturity
D) Loan backed bonds have shorter maturities than deposits
E) All of the above are disadvantages of loan-backed bonds
Answer: C
94.According to the textbook, what is the minimum size of the loan-backed securities offering that are
likely to be successful?
A) $1 million
B) $10 million
C) $25 million
D) $50 million
E) $1 trillion
Answer: D
95.Which of the following is a concern regulators have about securitization?
A) The risk of being an underwriter for asset-backed securities that cannot be sold
B) The risk of acting as a credit enhancer and underestimating the need for loan-loss reserves
C) The risk that unqualified trustees will fail to protect investors in asset-backed instruments
D) The risk that loan servicers will be unable to satisfactorily monitor loan performance
E) All of the above are concerns regulators have about securitization
Answer: E
96.What prompted a surge in loan sales in the 1980s?
A) A wave of corporate buyouts
B) An increase in lesser developed country loans
C) A loosening of government regulations
D) An increase in international lending
E) None of the above
Answer: A
97.Why have the use of standby credit letters grown in recent years?
A) The growth of bank loans sought by companies in recent years
B) The decreased demand for risk reduction devices
C) The high cost of standby credit letters in recent years
D) The rapid growth of direct financing by companies
E) All of the above
Answer: D
98. Which of the following is true regarding regulatory rules for standby credit letters issued by banks?
A) They must list the standby credit letter as a liability on their balance sheet
B) They must count standbys as loans
C) They do not have to apply the same credit standards for approving standbys as direct loans
D) They can apply lower capital standards to standbys than loans
Answer: B
99.Which of the following is true regarding regulatory rules for standby credit letters issued by banks?
A) They must list the standby credit letter as a liability on their balance sheet
B) They do not have to list standby credit letters when assessing the risk exposure to a single credit
customer
C) They must apply the same credit standards for approving standby credit letters as direct loans
D) They can apply lower capital standards to standby credit letters than loans
E) None of the above is true
Answer: C
100.Regular collateralized debt obligations (CDO) have been surpassed by:
A) Credit swaps
B) Credit options
C) Credit default swaps
D) Total return swaps
E) Synthetic collateralized debt obligations
Answer: E
101.According to research, off-balance-sheet standby credit letters reduce risk by:
A) Increasing diversification of assets
B) Reducing the need for documentation
C) Reducing probability of losses
D) Avoiding capital requirements
E) Increasing concentration of risk exposure
Answer: A
102.What is the advantage of credit swaps for each partner?
A) Broaden the number of markets
B) Broaden the variety of markets from which they collect loan revenues and principal
C) Spread out the risk in the loan portfolio
D) Avoiding capital requirements
E) A, B, and C
Answer: E
103.What are the ways to reduce the risk of standby credit letters?
A) Avoid renegotiating the terms of loans of SLC customers
B) Specialize in SLCs issued by the same region and industry
C) Sell participations in standbys in order to share risk with other lending institutions
D) Do not count standbys as loans when assessing the bank’s risk exposure
E) All of the above are the ways to reduce the risk
Answer: C
104.The lesson(s) of the credit crisis of 2007-2009 is that the “bankruptcy remote” arrangement of the special-purpose entity (SPE):
A) Reduces the need for securitization
B) Eliminates the probability of bankruptcy of the originator institution
C) May create problems if the underlying loans go bad in great numbers
D) Eliminates the need for a trustee
E) All of the above are correct
Answer: C
105.The lesson from the credit crisis of 2007-2009 is that securitized assets and credit swaps are:
A) Complex financial instruments
B) Difficult to correctly value and measure in terms of risk exposure
C) Affected by cyclically sensitive markets in which financial problems may spread and result in a
financial contagion
D) Possible to set in motion a financial contagion that cannot be easily stopped without active
government intervention
E) All of the above are correct
Answer: E
中国海洋大学命题专用纸（夜大学/函授）
B卷试题答案 一、A C C B B B D B D C 二、1．核心资本又叫一级资本和产权资本，是指权益资本和公开储备，它是银行资本的构成部分，是金融机构可以永久使用和支配的自有资金，包括普通股、不可收回的优先股、资本盈余、留存盈余、可转换的资本债券、各种补偿准备金。 2．也称问题贷款，即传统贷款分类中的逾期贷款、呆滞贷款、呆账贷款和新五级分类中的次级、可疑、损失类贷款。 3．超额存款准备金是金融机构存放在中央银行、超出法定存款准备金的部分，主要用于支付清算、头寸调拨或作为资产运用的备用资金。 4．利率敏感资金（Rate-sensitive Fund）：也称浮动利率或可变利率资金，指在一定期间内展期或根据协议按市场利率定期重新定价的资产或负债。 三、简答题 1．商业银行的职能是由它的性质所决定的，主要有四个基本职能。 （1）信用中介职能。是商业银行最基本、最能反映其经营活动特征的职能。这一职能的实质，是通过银行的负债业务，把社会上的各种闲散货币集中到银行里来，再通过资产业务，把它投向经济各部门；商业银行是作为货币资本的贷出者与惜入者的中介人或代表，来实现资本的融通、并从吸收资金的成本与发放贷款利息收入、投资收益的差额中，获取利益收入，形成银行利润。（2）支付中介职能。通过存款在帐户上的转移，代理客户支付，在存款的基础上，为客户兑付现款等，成为工商企业、团体和个人的货币保管者、出纳者和支付代理人。以商业银行为中心，形成经济过程中无始无终的支付链条和债权债务关系。（3）信用创造功能。商业银行是能够吸收各种存款的银行，和用其所吸收的各种存款发放贷款，在支票流通和转帐结算的基础上，贷款又转化为存款，在这种存款不提取现金或不完全提现的基础上，就增加了商业银行的资金来源，最后在整个银行体系，形成数倍于原始存款的派生存款。（4）金融服务职能。现代化的社会生活，从多方面给商业银行提出了金融服务的要求。在强烈的业务竞争权力下，各商业银行也不断开拓服务领域，通过金融服务业务的发展，进一步促进资产负债业务的扩大，并把资产负债业务与金融服务结合起来，开拓新的业务领域。在现代经济生活中，金融服务己成为商业银行的重要职能。 2．（1）安全性（2）流动性（3）盈利性。这些目标有是有商业银行经营管理的基本要求决定的，但目标的实现又实现存在一定的矛盾，应是在保证安全性的基础上，争取利润最大化，而解决安全性与盈利性矛盾的最好选择是提高经营的流动性。 3．证券投资避税组合的考虑原则是：在存在证券投资利息收入税赋差距，从而使两种债券出现税前收益和税后收益不一致时，银行应在投资组合中尽量利用税前收益高的应税证券，使其利息收入抵补融资成本，并使剩余资金全部投资于税后收益率最高的减免税证券上，从而提高证券投资盈利水平。 四、论述题 1、第一支柱——最低资本规定 新协议在第一支柱中考虑了信用风险、市场风险和操作风险，并为计量风险提供了几种备选方案。关于信用风险的计量。新协议提出了两种基本方法。第一种是标准法，第二种是内部评级法。内部评级法又分为初级法和高级法。对于风险管理水平较低一些的银行，新协议建议其采用标准法来计量风险，计算银行资本充足率。 2、第二支柱——监管部门的监督检查 委员会认为，监管当局的监督检查是最低资本规定和市场纪律的重要补充。具体包括：（1）监管当局监督检查的四大原则。原则一：银行应具备与其风险状况相适应的评估总量资本的一整套程序，以及维持资本水平的战略。原则二：监管当局应检查和评价银行内部资本充足率的评估情况及其战略，以及银行监测和确保满足监管资本比率的能力。若对最终结果不满足，监管当局应采取适当的监管措施。原则三：监管当局应希望银行的资本高于最低监管资本比率，并应有能力要求银行持有高于最低标准的资本。原则四：监管当局应争取及早干预从而避免银行的资本低于抵御风险所需的最低水平，如果资本得不到保护或恢复，则需迅速采取补救措施。（2）监管当局检查各项最低标准的遵守情况。银行要披露计算信用及操作风险最低资本的内部方法的特点。作为监管当局检查内容之一，监管当局必须确保上述条件自始至终得以满足。（3）监管当局监督检查的其它内容包括监督检查的透明度以及对换银行帐薄利率风险的处理。 3、第三支柱——市场纪律 委员会强调，市场纪律具有强化资本监管，帮助监管当局提高金融体系安全、稳健的潜在作用。新协议在适用范围、资本构成、风险暴露的评估和管理程序以及资本充足率四个领域制定了更为具体的定量及定性的信息披露内容。监管当局应评价银行的披露体系并采取适当的措施。新协议还将披露划分为核心披露与补充披露。
Chapter 10 The Investment Function in Banking and Financial-Services Management Fill in the Blank Questions 1. A(n) _________________________ is a security issued by the federal government which has less than one year to maturity when it is issued. Answer: Treasury bill 2. Debt instruments issued by cities, states and other political entities and which are exempt from federal taxes are collectively known as _________________________ . Answer: municipal securities 3. The investment maturity strategy which calls for the bank to have one half of its investment portfolio in very short term assets and one half of its investment portfolio in long term assets is known as the _________________________ . Answer: barbell strategy 4. A(n) _________________________ is a security where the interest portion of the security is sold separately from the principal portion of the security. Answer: stripped security 5. _________________________ are the way the federal, state and local governments guarantee the safety of their deposits with banks. Answer: Pledging requirements 6. The most aggressive investment maturity strategy calls for the bank to continually shift the maturities of its securities in responses to changes in interest rates and is called the __________________. Answer: rate expectation strategy 7. _________________________ is the risk that the bank will have to sell part of its investment portfolio before their maturity for a capital loss. Answer: Liquidity risk 8. _________________________ is the risk that the economy of the market area they service may take a down turn in the future. Answer: Business risk
Chapter 5 The Financial Statements of Banks and Their Principal Competitors Fill in the Blank Questions 1. Fed funds purchased is an example of _______________________ along with Eurodollar borrowings. Answer: nondeposit borrowings 2. The short term securities of the bank, including T-Bills and commercial paper, are often called __________________________ because they are the second line of defense to meet demands for cash. Answer: secondary reserves 3. __________________________ is a noncash expense on the bank's income statement which allows the bank to account for future bad loans. Answer: Provision for loan losses 4. __________________________ is the difference between interest income and interest expenses for a financial institution. Answer: Net interest income 5. __________________________ are the primary long term liabilities of the bank. These liabilities are paid only after deposits have been paid in the event of bankruptcy. Answer: Subordinated notes and debentures
商业银行管理学第一章商业银行管理学导论
教学要求：本章要求学生了解商业银行的性质、商业银行的功能、商业银行在金融市场 中的作用、商业银行管理的目标、现代商业银行经营的特点以及我国商业银行的历史与现状 等内容。 教学重点：商业银行的功能，商业银行的管理目标，商业银行在金融市场中的作用。 第一节商业银行的性质与功能 一、商业银行的性质 1.商业银行具有明显的企业性质 （1）与一般工商企业一样自主经营、自负盈亏、自我约束、自求平衡、自我发展；追求的最终目标是价值最大化。 （2）在性质上不同于中央银行、政策性银行 2.商业银行具有特殊的经营规律 商业银行经营的商品是货币，除少量自有资金和固定资产,资金来源和资金运用两头在外。一般企业管理常用的最优化经济原理用于商业银行管理具有局限性。 （1）边际分析方法用于商业银行管理的局限性 （2）投入要素最优组合原理用于商业银行管理的局限性 （3）规模经济原理在商业银行的适应性和不适应性 商业银行对整个社会经济的影响远远大于一般的工商企业，受整个社会经济的影响也比 一般工商企业大的多；金融风险管理成为商业银行经营的核心内容之一，考虑的风险比一般 企业更为广泛。商业银行业务经营的特殊性决定其有着与一般工商企业不同的经营规律。 二、商业银行的职能 1.中介职能
中介职能指商业银行通过存款等负债业务，把社会闲散资金集中起来，再通过贷款等资产业务，将资金投给向银行借款的单位和个人。 闲散资金 T生产经营资金 小额资金 T大额资金 短期资金 T长期资金 效益低的部门 T效益高的部门 2.支付职能 （1）商业银行代表客户支付商品和服务价款。 （2）通过存款在账户上的转移代理客户支付，在存款的基础上为客户兑付现款，成为货币保管者、出纳和支付代理人。 （3）商业银行的支付职能减少了现金的使用，加速了结算过程和货币资金周转，提高了资金使用效率，为客户提供了方便。 3.信用创造职能 （1）商业银行利用存款发放贷款，在支票流通和转帐结算的基础上贷款又转化为派生存款，整个商业银行体系形成了数倍于原始存款的派生存款。 （2）商业银行的信用创造以原始存款为基础，受法定存款准备率和现金漏损率的制约。政府运用法定存款准备金制度等货币政策工具来调节商业银行的信用创造。 4.金融服务职能 商业银行为客户提供担保、信托、租赁、保管、咨询、代理融通等多种金融服务，扩大了社会联系面，增加了市场份额，同时也增加了非信贷收入。 三、商业银行在金融市场中的作用 关于商业银行作用的著名论断
武汉理工大学教务处 试题标准答案及评分标准用纸 | 课程名称商业银行经营与管理（B 卷） | 一. 单选题（10分＝10Χ1） 装 | 二. 判断题（15分＝15Χ1） | 11.错12.错13.错14.对15.对16.对17.错18.对 | 19.错20.对21.对22.错23.对24.错25.对 | 三.名词解释（30分＝10Χ3） 26.商业银行以追求最大利润为目标，以经营金融资产和负债为对象的特殊的企业。 钉27. 一级准备主要包括库存现金、在央行的存款、同业存款及托收中的现金等项目。 | 28. 资本准备金又可称作资本储备，是指商业银行从留存盈余中专门划出来的，用于应付即将发生的有关股本的重大事件的基金。 | 29. 银行的资本充足性主要指银行资本的数量足以吸收可能发生的意外损失，使银行在遭遇风险损失时不致破产。 | 30. 回购协议也称再回购协议，指的是商业银行在出售证券等金融资产时签订协议，约定在一定期限后按原定价格或约定价格购回所卖证券，以获得即时可用资金；协议期满时，再以即时可用资金作相反交易。 | 31.可转让大额定期存单简称CD，是一种流通性较高且具借款色彩的新型定期存款形式。大额可转让定期存单是商业银行逃避最高利率管制和存款准备金规定的手段，亦是银行对相对市场份额下降所做出的竞争性反应。 | 32.存放同业存款商业银行存放在代理行和相关银行的存款。目的是为了便于银行在同业之间开展代理业务和结算收付。 线33. 银行证券投资银行在其经营活动中，把资金投放在各种长短期不同的证券，以实现资产的收益和保持相应的流动性。 | 34. 贷款指商业银行作为贷款人按照一定的贷款原则和政策，以还本付息为条件，将一定数量的货币资金提供给借款人使用的一种借贷行为。格（即兑现价格）等，投资者到期可以选择转换股票 也可以选择不转换。 | 35.担保贷款银行要求借款人根据规定的担保方式提供贷款担保而发放的贷款。 四. 简答题（25分） 36．商业银行的经营原则有哪些（6分） 答：商业银行在其经营管理过程中应遵循“安全性、流动性、盈利性”三原则： （1）安全性原则是指商业银行应努力避免各种不确定因素对它的影响，保证商业银 行的稳健经营和发展。（2分） （2）流动性是指商业银行能够随时满足客户提现和必要的贷款需求的支付能力，包 括资产的流动性和负债的流动性两重含义。
Chapter 3 The Organization and Structure of Banking and the Financial-Services Industry Fill in the Blank Questions 1.A(n) ___________________ is a machine located at the merchant's place of business which allows depositors to use their debit card to pay for purchases directly. Answer: POS 2.A(n) ____________________ is a bank which offers its full range of services from several locations. Answer: branch bank 3.A(n) ____________________ is a bank which offers its full range of services from only one location. Answer: unit bank 4.A(n)________________________ is a corporation chartered for the express purpose of holding the stock of one or more banks. Answer: Bank Holding Company 5.Managers who value fringe benefits, plush offices and ample travel budgets over the pursuit of maximum returns for stockholders are exhibiting signs of ______ . Answer: Expense Preference Behavior 6.A(n) _______________________ can invest in corporate stock as sell as loan money to help finance the start of new ventures or support the expansion of existing businesses. Answer: Merchant bank 7. A bank which operates exclusively over the internet is known as a _bank. Answer: Virtual 8.One new 21st century bank organizational structures is _____________ . This is a special type of holding company that may offer the broadest range of financial
习题 商业银行银行经营管理 商业银行经营管理习题 第一章导论 一、名词解释 商业银行信用中介支付中介格拉斯—斯蒂格尔法分行制持股公司制流动性银行制度 二、填空 1、商业银行是以（）为目标，以（）为经营对象，（）的企业。 2、（）银行的成立，标志着现代商业银行的产生。 3、现代商业银行形成的途径有（）；（）。 4、各国商业银行的发展基本上是循着两种传统：（）和（）。 5、商业银行在现代经济生活中所发挥的功能主要有（）、（）、（）、 （）和（）。 6、股份制商业银行的组织结构包括（）、（）、（）和（）。
7、股份制商业银行的决策系统主要有（）、（）、（）、和（） 构成。 8、股份制商业银行的最高权力机构是（）。 9、股份制商业银行的最高行政长官是（）。 10、商业银行按资本所有权划分可分为（）、（）、（）和（）。 11、商业银行按组织形式可分为（）、（）和（）。 12、实行单元银行制的典型国家是（）。 13、商业银行经营管理的目标为（）、（）和（）。 14、对我国商业银行实施监管的机构是（）。 三、不定项选择 １、商业银行发展至今，已有（）的历史。 Ａ１００年Ｂ２００年Ｃ３００年Ｄ５００年 2、（）银行的成立，标志着现代商业银行的产生。 A英国B英格兰C丽如D东方 3、商业银行能够把资金从盈余者手中转移到短缺者手中，使闲置资金得到充分利用。这种功能被称为（）功能。 A信用中介B支付中介C信用创造D金融服务 4、下列银行体制中，只存在于美国的是（） A分行制B私人银行C国有银行D单元制 5、我国商业银行的组织形式是（）
A单元制银行B分支行制银行C银行控股公司D连锁银行 6、实行分支行制最典型的国家是（） Ａ美国Ｂ日本Ｃ法国Ｄ英国 7、股份制商业银行的最高权利机构是（）。 A董事会B股东大会C监事会D总经理 8、银行业的兼并对其产生的优势是（）。 A扩大了规模B有利于进行金融创新C取得优势互补，拓展业务范围D提高盈利能力 9、对银行业加强监管的意义体现在（）。 A保护和发挥商业银行在社会经济活动中的作用，促进经济的健康发展。 B有利于稳定金融体系。 C弥补银行财务信息公开程度不高的缺点。 D保护存款人的利益。 四、判断并说明理由 1、商业银行是企业。 2、商业银行的信用创造是无限制的。 3、在中国目前条件下，私人不能办银行，但可以入股银行。 4、现代商业银行都是股份制的金融企业。 5、流动性原则和安全性原则既是统一的，又是矛盾的。 6、商业银行的信用创造职能仅仅是商业银行可以产生派生存款。
银行管理考试试题及答案 一、单选题 1、历史上第一家股份制商业银行是（D ） A 威尼斯银行 B 阿姆斯特丹银行 C 纽伦堡银行 D 英格兰银行 2、中国现代银行产生的标志是成立（C ） A 浙江兴业银行 B 交通银行 C 中国通商银行 D 中国银行 3、银行借款人或交易对象不能按事先达成的协议履行义务的潜在可能性；也包括由于银行借款人或交易对象信用等级下降，使银行持有资产贬值是指（ C ） A、利率风险 B、汇率风险 C、信用风险 D、经营风险 4、国际清算银行通过了《巴塞尔协议》在（B ） A、1986年 B、1988年 C、1994年 D、1998年 5、商业银行的资本计划可以分为多少个阶段（C ） A、2个 B、3个 C、4个 D、5个 6、1996年1月，巴塞尔委员会允许银行采用自己的内部风险管理模型，但应同时满足定性与定量标准是通过制定（ A）
A、《测定市场风险的巴塞尔补充协议》 B、《市场风险的资本标准建议》 C、《预期损失和不可预见损失》 D、《对证券化框架的变更》 7、介于银行债券和普通股票之间的筹资工具，有固定红利收入，红利分配优于普通股票是（ B） A、普通股 B、优先股 C、中长期债券 D、债券互换 8、可转让支付命令账户简称是（ D ） A、NCDs B 、MMDA C、 ATS D、 NOWs 9、包括利息在内的花费在吸收负债上的一切开支，即利息成本和营业成本之和,它反映银行为取得负债而付出的代价是（C ） A、利息成本 B、营业成本 C、资金成本 D、相关成本 10、商业银行票据结算的工具主要包括银行汇票、银行本票、支票和（ B ） A、信用证 B、商业汇票 C 、信用卡D、提单 11、是典型的含有期权性质的中间业务（ A ） A、银行承诺 B 、代理业务 C、银行担保 D、信托业务 12、期权合约签定后，一但买方决定买进或卖出某金融资产时，卖方必须按照合约规定的内容无条件履行吗？（ A ） A 、是 B 、不是 C 、不一定D、可以不履行 13、商业银行国际业务的组织形式不包括（ B ） A 、代表处B、代理行C、分行 D 、子公司或附属机构E、合资联营银行
CHAPTER 1 AN OVERVIEW OF BANKS AND THE FINANCIAL-SERVICES SECTOR Goal of This Chapter: In this chapter you will learn about the many roles financial service providers play in the economy today. You will examine how and why the banking industry and the financial services marketplace as a whole is rapidly changing, becoming new and different as we move forward into the future. You will also learn about new and old services offered to the public. Key Topics in This Chapter ?Powerful Forces Reshaping the Industry ?What is a Bank? ?The Financial System and Competing Financial-Service Institutions ?Old and New Services Offered to the Public ?Key Trends Affecting All Financial-Service Firms ?Appendix: Career Opportunities in Financial Services Chapter Outline I. I ntroduction: P owerful Forces Reshaping the Industry II. W hat Is a Bank? A. D efined by the Functions It Serves and the Roles It Play: B. B anks and their Principal Competitors C. Legal Basis of a Bank D. D efined by the Government Agency That Insures Its Deposits III.The Financial System and Competing Financial-Service Institutions A.Savings Associations B.Credit Unions C.Money Market Funds D.Mutual Funds E.Hedge Funds F.Security Brokers and Dealers G.Investment Bankers H.Finance Companies I.Financial Holding Companies
商业银行经营管理试题 一、填空题（每空1分，共10分） 1．在一级法人体制下，只有银行的或才是法 人代表。 2．中小银行或新设立的银行，一般喜欢采用的经营 思想，而老银行或是大银行则偏重于经营思想。 3，衡量银行某种资产的流动性，主要看其转化为现主的 和。 4．商业银行参与外汇交易，除了代理客户进行外汇买卖 以外，还有另外两个主要动机：一是，二是调 整银行外汇。 5．是一国的金融管理和政策制定机构，它的政策效应是通过来传递的。 二、名词解释（每题4分，共20分） 1、贷款五级分类 2、票据的保证 3、项目融资 4、备用信用证 5、市场细分 三、选择题（备选答案只有一个或另一个以上是正确的。 请将正确答案的题号填入括号中。每题2分，共20分） 1、商业银行的最基本的职能是（）。 A支付中介 B信用创造 C金融服务 D信用中介 2、商业银行在进行市场分析时应该注意的是（ ）。 A企业资信状况 B市场竞争状况 C竞争成本 D市场份额 3、下列各项中不能作为贷款抵押物的有（） A交通运输工具 B土地所有权 C房屋 D林本 4、票据背书的效力表现在（）。 A权利转移 B权利证明 C权利高低 D权利担保 5、商业银行向中央银行进行再贴现的最长时间不得超过
（）。 A一个月 B三个月 C四十月 D六个月 6、商业银行资本的主要功能有（）。 A营业功能 B管理功能 C投资功能 D保护功能 7、下列各项业务中属于商业银行表外业务的是（ ）。 A贷款额度 B保证 C期权交易 D票据发行便利 8、可转换理论是一种（）的理论。 9、下列各项指标中属于总量控制指标的是（） A资本充足率 B存货款比例 C单个贷款比例 D拆借资金比例 10、银行把其产品与服务向客户进行报道、宣传以说服和影响他们来使用其产品与服务的活动被称为（）A销售促进 B促销 C公共关系 D广告 四、简答题（每小题6分，共30分） 1、测定一家商业银行现金是否适度时，应从哪几方面进行 测算和观察？ 2、为什么要用信贷资产“五级分类法”代替“一逾两呆”分类 法？ 3、制定资本充足率标准对我国商业银行有何现实意义？ 4、商业银行为什么要参与银团贷款？ 5、商业银行从事的代理业务主要哪些？ 五、论述题（每题10分，共20分） 1、简述商业银行的企业形象战略？ 2、简述同业拆借的特点及原则？
Chapter 16 Lending Policies and Procedures: Managing Credit Risk Fill in the Blank Questions 1. The______________ is a uniform rating system developed by regulators where banks are given a rating from one to five in each of six categories and an overall rating from one to five. Answer: CAMELS 2. One of the 6 C?s of lending,______________ suggests that the lender must look at the position of the business firm in the industry and the outlook of the industry to evaluate a loan. Answer: condition 3. One of the 6 C?s of lending,______________ suggests that the lender must look to see if the borrower is legally entitled to sign a binding loan agreement. For an individual this entails making sure the borrower is of legal age to sign a contract. Answer: capacity 4. When a bank purchases a whole loan or a piece of a loan from another bank they are purchasing what is known as a____________________________. Answer: participation 5. Loans that have minor weaknesses because the bank has not followed its written loan policy or which have missing documentation are called______________ by regulators. Answer: criticized 6. ____________________________ are loans extended to farmers and ranchers to assist in planting crops, harvesting crops and to support the feeding and care of livestock. Answer: Agriculture loans 7. ____________________________ devote the bulk of their credit portfolio to large-denomination loans to corporations and other businesses and tend to be large banks. Answer: Wholesale lenders 8. ____________________________ are loans which are secured by land buildings and other structures. These loans can be short term construction loans or longer term loans to finance the purchase of homes and apartments among others. Answer: Real estate loans
武汉理工大考试试题卷课程名专业班商业银行经营与管总题题1015302520100 备:学生不得在试题纸上答含填空题、选择题等客观) .单选题1=1 1.为了使资金分配战略更为准确，许多商业银行使用复杂的数学模型，其中运用最为广泛的是、资金总库、线性规划、资金分配、缺口管理方 2. 169年英国政府为了同高利贷作斗争，以维护新生的资产阶级发展工业和商业的需要，决定成 一家股份制银行是什么 、英格兰银、曼彻斯特银、汇丰银、利物浦银 3.一旦银行破产、倒闭时，对银行的资产的要求权排在最后的是（ 、优先股股、普通股股、债权、存款 4.影响存款水平的微观因素主要是银行内的因素，不包括（ 金融当局的货币政、服务收、银行网点设、营业设 5.现金资产管理的首要目标是（ 、现金来源合、现金运用合、将现金资产控制在适度的规模、现金盈 6.现金资产中唯一以现钞形态存在的资产是（ 、库存现、在中央银行存放同业存、存放同业存、托收中的现 ．银行以合法方式筹集的资金自主发放的贷款是（ 、委托贷、自营贷、特定贷、自主贷 8.银行业产生于哪个国家 英、美、意大、德 现金资产管理中应坚持的基本原则不包括（、安全性原、适时流量调节原、适度存量控制原、盈利性原1发行优先股来筹集资本，商业银行可获得的坏处有（ 得杠杆收、控制权不会变 、可以永久地获得资金的使用、利息税前支付，可降低税后成 二．判断题1=1 1．商业银行的资产是指商业银行自身拥有的或者能永久支配使用的资金 1．存款是银行的被动负债，存款市场属于银行经营的卖方市场。而借入负债则是银行的主动负债 它属于银行经营的买方市场。
武汉理工大学教务处 试题标准答案及评分标准用纸 | 课程名称商业银行经营与管理（B 卷）| 一. 单选题（10分＝10）1Χ装 1.B 2.A 3.B 4.A 5.C 6.A 7.B 8.C 9.A 10.D | 二. 判断题（15分＝15 ）1Χ| 11.错12.错13.错14.对15.对16.对17.错18.对 | 19.错20.对21.对22.错23.对24.错25.对 | 三.名词解释（30分＝10 ）Χ326.商业银行以追求最大利润为目标，以经营金融 资产和负债为对象的特殊的企业。钉 27. 一级准备主要包括库存现金、在央行的存款、同业存款及托收中的现金等项目。| 28. 资本准备金又可称作资本储备，是指商业银行从留存盈余中专门划出来的，用于应付即将发生的有关股本的重大事件的基金。| 29.银行的资本充足性主要指银行资本的数量足以吸收可能发生的意外损失，使银行在遭遇风险损失时 不致破产。| 30. 回购协议也称再回购协议，指的是商业银行在出 售证券等金融资产时签订协议，约定在一定期限后按原定价格或约定价格购回所卖证券，以获得即时可用资金；协议期满时，再以即时可用资金作相反交易。| 31.可转让大额定期存单简 称CD，是一种流通性较高且具借款色彩的新型定期存款形式。大额可转让定期存单是商业银行逃避最高利率管制和存款准备金规定的手段，亦是银行对相对市场份额下降所做出的竞争性反 应。| 32.存放同业存款商业银行存放在代理行和相关银行的存款。目的是为了便于银行在同业之间开展代理业务和结算收付。线33. 银行证券投资银行在其经营活动中，把资金投放在各种长短期不同的证券，以实现资产的收益和保持相应的流动性。． | 34. 贷款指商业银行作为贷款人按照一定的贷款原则和政策，以还本付息为条件，将一 定数量的货 币资金提供给借款人使用的一种借贷行为。格（即兑现价格）等，投资者到期可以选择转换股票 也可以选择不转换。| 35. 担保贷款银行要求借款人根据规定的担保方式提供贷款担保而
Chapter 1 An Overview of the Changing Financial-Services Sector Fill in the Blank Questions 1. _______________________ is a traditional service provided by banks in which the banks store the valuables of their customers and certify their true value. Answer: Safekeeping of valuables 2. The fact that financial institutions make loans based on confidential information is the _______________________ theory of banking. Answer: delegated monitoring 3. _______________________ refers to when a financial institution trades one form of currency for another. An example of this would be when the bank trades dollars for yen for a fee. Answer: currency exchange 4.A(n) _______________________ is a traditional service which permits a depositor to write a draft （汇票）in payment for goods and services. Answer: demand deposit (checking account) 5. _______________________ is a service provided by banks where the bank lends money to individuals for the purchase of durable and other goods. Answer: Consumer lending 6. The _______________________ of a bank is a traditional service where the bank manages the financial affairs and property of individuals (and in some cases businesses). Answer: trust services 1 / 14
第一章导论 一、名词解释 商业银行信用中介支付中介信用创造分行制持股公司制流动性 二、填空 1、商业银行是以（）为目标，以（）筹集资金，以（）为经营对象，能利用负债进行（），并能向客户提供（）服务的金融企业。 2、商业银行的性质是（），（），（）。 3、商业银行产生经历了（），（），（）三个阶段。 4、1694年（）银行的成立，标志着现代商业银行的产生。 5、现代商业银行形成的途径有（）和（）。 6、各国商业银行的发展基本上是循着两种传统：（）和（）。 7、商业银行的经营模式主要有两种：（）和（）。 8、商业银行在现代经济生活中所发挥的功能主要有（）、（）、（）、 （）和（）。 9、创立商业银行的条件主要是（）条件和（）条件。 10、创立商业银行的程序是（）、（）、（）。 11、股份制商业银行的组织结构体系包括（）、（）、（）和（）四个系统。 12、股份制商业银行的决策系统主要有（）、（）和（）构成。 13、股份制商业银行的最高权力机构是（）。 14、股份制商业银行的执行系统主要有（）、（）和（）构成。 15、股份制商业银行的最高行政首脑是（）。 16、股份制商业银行的监督系统由（）、（）和（）构成。 17、股份制商业银行的管理系统由（）、（）、（）、（）和（）构成。 18、商业银行按资本所有权划分可分为（）、（）、和（）。 19、商业银行按组织形式可分为（）、（）和（）。 20、按商业银行能否从事证券业务，商行可分为（）、（）和（）。 21、实行单元制银行的典型国家是（）。 22、当代商业银行的主要组织形式是（） 23、商业银行经营管理的目标为（）、（）和（）。 24、对我国商业银行实施监管的机构是（）。 三、单项选择 1、（）银行的成立，标志着现代商业银行的产生。 A英国 B英格兰 C丽如 D 2、商业银行能够把资金从盈余者手中转移到短缺者手中，使闲置资金得到充分利用，这种功能被称为（）功能。 A信用中介 B支付中介 C信用创造 D金融服务 3、商业银行利用活期存款账户，为客户办理货币结算、转账、兑换、转移存款等业务，这种功能被称为（）功能。 A信用中介 B支付中介 C信用创造 D金融服务 4、商业银行利用吸收的活期存款，通过转账的方式发放贷款，从而衍生出更多存款，扩大社会货币供给量。这种功能被称为（）功能。
《商业银行经营管理》综合练习 一、单项选择题（下列每小题的备选答案中，只有一个符合题意的正确答案，多选、错选、不选均不得分。本题共45个小题，每小题1分） 1. 近代银行业产生于（）。 A .英国 B .美国 C .意大利 D .德国 【答案】C 2. 1694年英国政府为了同高利贷作斗争，以满足新生的资产阶级发展工业和商业的需要，决定成立一家股份制银行（）。 A .英格兰银行 B .曼切斯特银行 C .汇丰银行 D .利物浦银行 【答案】A 3. 现代商业银行的最初形式是（）。 A .股份制银行 B .资本主义商业银行 C .高利贷性质银行 D .封建主义银行 【答案】B 4. 1897年在上海成立的（）标志着中国现代银行的产生。 A .交通银行 B .浙江兴业银行 C .中国通商银行 D .北洋银行 【答案】C 5.（）是商业银行最基本也是最能反映其经营活动特征的职能。 A .信用中介 B .支付中介 C .清算中介 D .调节经济的功能 【答案】A 6. 单一银行制度主要存在于（）。 A .英国 B .美国 C .法国 D .中国 【答案】B 7. 商业银行的经营对象是（）。 A .金融资产和负债 B .一般商品 C .商业资本 D .货币资金
【答案】D 8. 对于发行普通股，下面的表述错误的是（）。 A .发行成本比较高 B .对商业银行的股东权益产生稀释作用 C .资金成本总要高于优先股和债券 D .总资本收益率下降时，会产生杠杆作用 【答案】D 9. 附属资本不包括（）。 A .未公开储备 B .股本 C .重估储备 D .普通准备金 【答案】B 10. 总资本与风险加权资本的比率不得低于（）。 A .7% B .8% C .9% D .10% 【答案】B 11. 年初的资本/资产＝8％，各种资产为10亿元，年末的比例仍为8％，年末的未分配收益为亿元，银行的适度资本为（）。 A . B .10 C . D . 【答案】A 12. 商业银行最主要的负债是（）。 A .借款 B .发行债券 C .各项存款 D .资本 【答案】C 13. 商业银行的（）是整个银行体系创造存款货币的基础。 A .资产 B .负债 C .所有者权益 D .资本 【答案】B 14. 某银行通过５％的利率吸收１００万新存款，银行估计如果提供利率为５.５％，可筹资１５０万存款，若提供６％的利率可筹资２００万元存款，若提供６.５％的利率可筹集２５０万存款，若提供７％利率可筹３００万存款，而银行的贷款收益率为８.５％，贷款利率不随贷款量增加而增加，贷款利率是贷款边际收益率。问存款利率为（）时，银行可获最大利润。 A .5% B .6% C .% D .7% 【答案】C