【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。
参考答案:
A
参考解析:
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【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.
参考答案:
A
参考解析:
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【判断题】
CAMELS Rating System includes six aspects of regulation authorities regulating the banks, the six aspects are Capital adequacy, Earnings record,Asset quality,Liquidity position,Management quality,Sensitivity to market risk .
参考答案:
A
参考解析:
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【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.
参考答案:
A
参考解析:
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【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.
参考答案:
A
参考解析:
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【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。
参考答案:
B
参考解析:
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【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 ensure equal opportunity and fairness in the public's access to credit and other vital financial services.
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 avoid concentrations of financial power in the hands of a few individuals and institutions.
参考答案:
A B C D E
参考解析:
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【多选题】
按照贷款的质量和风险程度划分,银行贷款可以分为()等五类。
参考答案:
A B C D E
参考解析:
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【判断题】
商业银行可以通过在免税的市政债券和不免税但名义收益率高的国债之间进行组合,起到合理避税效果,尽可能提高证券组合的收益率。
参考答案:
A
参考解析:
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【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 .
参考答案:
A
参考解析:
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