2024知到答案 商业银行经营管理学（山东联盟） 完整智慧树网课章节测试答案
第一章 单元测试
1、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.
选项：
A:错
B:对
答案: 【对】
2、判断题：
美国金融业属于混业经营，混业监管。
选项：
A:对
B:错
答案: 【错】
3、判断题：
In the USA，OCC issues charters for new national banks.
选项：
A:错
B:对
答案: 【对】
4、单选题：
下面对中国金融业和金融监管体制说法正确的是（）
选项：
A:中国金融业属于分业经营，混业监管
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:中国金融业属于混业经营，分业监管
答案: 【中国目前主要金融监管机构是一行两会】
5、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（）
选项：
A:窗口指导
B:提高法定存款准备金率
C:降低再贴现率
D:在公开市场上出售有价证券
答案: 【降低再贴现率】
6、判断题：
The role performed by banks in the economy in which they transform savings into credit is known as the intermediation role.
选项：
A:对
B:错
答案: 【对】
7、判断题：
Bank holding companies are allowed to own nonbank businesses as long as those businesses offer services closely related to banking.
选项：
A:对
B:错
答案: 【对】
8、判断题：
A unit branch faces the risk of variability in earnings if the surrounding economy weakens and people and businesses move away to other market areas.
选项：
A:错
B:对
答案: 【对】
9、单选题：
During the financial crisis of 2007-2009, the collapse of Lehman Brothers and the bailout of Bear Stearns reaffirmed the importance of the fundamental principle of ( ).
选项：
A:superior management
B:regulatory arbitrage
C:government bailout
D:globalization
E:public trust and confidence in the system
答案: 【public trust and confidence in the system】
10、单选题：
In theory, if an interstate organization can acquire banks in states where bank earnings have a ( ) with bank earnings in those states where the interstate company is already represented, a "portfolio effect" may occur.
选项：
A:positive covariance
B:zero correlation
C:negative correlation
D:perfectly positive correlation
答案: 【negative correlation】
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。
选项：
A:对
B:错
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。
选项：
A:错
B:对
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
选项：
A:对
B:错
答案: 【错】
4、多选题：
Factors of Conditional Pricing method considering in order to price a deposit include ( )
选项：
A:the heathy operation of the economy
B:The maturity of the deposit in days, weeks, or months.
C:number of checks written, deposits made, wire transfers, stop-payment orders, or notices of insufficient funds issued.
D:The average balance held in the account over a designated period.
答案: 【The maturity of the deposit in days, weeks, or months.;
number of checks written, deposits made, wire transfers, stop-payment orders, or notices of insufficient funds issued.;
The average balance held in the account over a designated period.】
5、判断题：
Subordinated debentures belong to core capital of a bank.
选项：
A:错
B:对
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.
选项：
A:错
B:对
答案: 【对】
7、多选题：
In the following type of bank capitals, ( ) belong to Tie 1 capital.
选项：
A:subordinated debt capital instruments
B:undivided profits
C:common stock and surplus
D:allowance for loan and lease losses
答案: 【undivided profits;
common stock and surplus】
8、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（）。
选项：
A:多德弗兰克法案
B:Basell 1
C:Basell 3
D:Basell 2
答案: 【Basell 2】
9、多选题：
西方商业银行的存款负债中，属于非交易账户的有（ ）。
选项：
A:定期存款
B:NOWS账户
C:活期存款
D:储蓄存款
E:CD存单
答案: 【定期存款;
储蓄存款;
CD存单】
10、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 ( ).
选项：
A:pricing deposits at cost plus profit margin
B:market penetration deposit pricing
C:relationship pricing
D:conditional pricing
答案: 【market penetration deposit pricing】