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《商業(yè)銀行經(jīng)營學(xué)》（復(fù)習(xí)提綱）
1、 Fill in the Blank Questions
(1) ________is a newer service provided by banks where the bank lends money to individuals for the purchase of durable and other goods.
(2) A bank which now offers all of the available financial services is known as a __________bank.
(3) The sho
2、rt 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.
(4) __________ can be held by individuals and nonprofit institutions, bear interest and permit drafts from being written against th
3、e account to pay third parties.
(5) A(n)__________ allows the holder the right to either sell securities to another investor (put) or buy securities from another investor (call) for a set price before the expiration date.
(6) A(n) _____________is a contingent claim of the bank that issues it. T
4、he 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.
(7) Debt instruments issued by cities, states and other political entities and which are exempt from federal taxes are collective
5、ly known as _______________.
(8) The _____________is the total difference between its sources and uses of funds.
(9) When a customer is charged based on the number and kinds of services used, with the customers that use a number of services being charged less or having some fees waived, this is ca
6、lled _____________pricing.
(10) Core capital such as common stock, surplus, undivided profits, qualifying noncumulative preferred stock, etc. is referred to as _____________ capital as defined by the Basel agreement.
2、 True/False Questions
(1) The role performed by banks in the economy in whic
7、h they transform savings into credit is known as the intermediation role( ).
(2) In the United States, fixed fees charged for deposit insurance, regardless of how risky a bank is, led to a problem known as moral hazard( ).
(3) A bank's ROA equals its ROE times the ratio of total assets divided
8、 by total equity capital( ).
(4) Charge-offs represent securities a bank decides to sell because they have declined in value( ).
(5) A liability-sensitive bank will experience an increase in its net interest margin if interest rates rise( ).
(6) The buyer of a loan participation must watch
9、both the borrower and the seller bank closely( ).
(7) Prepayment risk on securitized assets generally increases when interest rates rise( ).
(8) When a bank temporarily offers higher than average interest rates or lower than average customer fees in order to attract new business they are pract
10、icing conditional pricing( ).
(9) Recent research suggests that interest-rate contracts display considerably less risk exposure than do foreign-currency contracts( ).
(10) The long hedge in financial futures contracts is most likely to be used in situations where a bank would suffer losses due
11、 to rising interest rates( ).
3、 Multiple Choice Questions
(1) Drew Davis goes to his local bank to get help developing a financial plan and making investment decisions. Which of the more recent services banks offer is Drew taking advantage of ?
A) Getting a consumer loan
B) Getting finan
12、cial advice
C) Managing cash
D) Getting venture capital services
E) Buying a retirement plan
Answer:
(2) Banks are regulated for which of the reasons listed below?
A) Banks are leading repositories of the public's savings.
B) Banks have the power to create money.
C) Banks provide
13、 businesses and individuals with loans that support consumption and investment spending.
D) Banks assist governments in conducting economic policy, collecting taxes and dispensing government payments.
E) All of the above.
Answer:
(3)Nonperforming loans are credits on which any scheduled l
14、oan repayments and interest payments are past due for more than:
A) 30 days
B) 60 days
C) 90 days
D) 180 days
E) None of the above.
Answer:
(4) A bank is asset sensitive if its:
A) Loans and securities are affected by changes in interest rates.
B) Interest-sensitive asset
15、s exceed its interest-sensitive liabilities.
C) Interest-sensitive liabilities exceed its interest-sensitive assets.
D) Deposits and borrowings are affected by changes in interest rates.
E) None of the above.
Answer:
(5) A put option would most likely be used to:
A) Protect fixed-
16、rate loans and securities.
B) Protect variable-rate loans and securities.
C) Offset a positive interest-sensitive gap.
D) Offset a negative interest-sensitive gap.
E) None of the above.
Answer:
(6) Loan-backed securities, which closely resemble traditional bonds, carry various form
17、s 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:
(7) Which of the
18、 following statements is (are) correct regarding duration?
A) In comparing two bonds with the same yield to maturity and the same maturity, a bond with a higher coupon rate will have a longer duration.
B) In comparing two loans with the same maturity and the same interest rate, a fully amortiz
19、ed(分期付款) loan will have a shorter duration than a loan with a balloon payment（付款的最后一筆較大）.
C) The duration will always be shorter than the maturity for all debt instruments.
D) All of the above
E) B and C
Answer:
（8）A bank quotes an APY（Annual Percentage Yield） of 8%. A small business
20、 that has an account with this bank had $2500 in their account for half the year and $5000 in their account for the other half of the year. How much in total interest earnings did this bank make during the year?
A) $300
B) $200
C) $400
D) $150
E) None of the above
Answer:
（9）T
21、he risk that a customer the bank has entered into a contract with will fail to pay or to perform, forcing the bank to find a replacement contract that may be less satisfactory is what form of risk listed below?
A) Counterparty risk
B) Interest-rate risk
C) Operating risk
D) Credit risk
22、
E) Liquidity risk
Answer:
（10）A bank has a profit margin of 5 percent, an asset utilization ratio of 11 percent , an equity multiplier of 12 and a retention ratio of 60 percent. What is this bank's ICGR?
A) 6.6 percent
B) 3.96 percent
C) 7.2 percent
D) .33 percent
E) None of
23、 the above
Answer:
4、 Short Answer
(1) What is monetary policy?
(2) What makes it so difficult to correctly forecast interest rate changes?
(3) What advantages do sales of loans have for lending institutions trying to raise funds?
(4) What kinds of assets are most suitable to the s
24、ecuritization process?
(5) Which deposits are the least costly for depository institutions? The most costly?
5、 Calculation
(1) Suppose a bank has an ROA of 0.80 percent and an equity multiplier of 12x. What is its ROE? Suppose this bank's ROA falls to 0.60 percent. What size equity multiplie
25、r must it have to hold its ROE unchanged?
(2) A bank determines from an analysis of its cost-accounting figures that for each $500 minimum-balance checking account it sells account processing and other operating costs will average $4.87 per month and overhead expenses will run an average of $1.21
26、 per month. The bank hopes to achieve a profit margin over these particular costs of 10 percent of total monthly costs. What monthly fee should the bank charge a customer who opens one of these checking accounts?
6、 Essays
（1） What’s your opinions on the size effect of banks.
（2） What changes of
27、 banking industry will happen according to your viewpoint if interest rate begins complete marketization in China ?
（3） How does interest rate have influence on the performance of a bank ? How to protect a bank from the damage of interest rate fluctuation ?
（4） In 2013, the net profit of Chinese commercial banks reached a new record high , but their stock prices dipped to a new record low , why ? please explain .
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《商業(yè)銀行經(jīng)營學(xué)》復(fù)習(xí)提綱
