商业银行管理彼得S罗斯英文原书第8版英语试题库Chap003.docx
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商业银行管理彼得S罗斯英文原书第8版英语试题库Chap003.docx
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商业银行管理彼得S罗斯英文原书第8版英语试题库Chap003
Chapter3
TheOrganizationandStructureofBankingandtheFinancial-ServicesIndustry
FillintheBlankQuestions
1.A(n)___________________isamachinelocatedatthemerchant'splaceofbusinesswhichallowsdepositorstousetheirdebitcardtopayforpurchasesdirectly.
Answer:
POS
2.A(n)_____________________isabankwhichoffersitsfullrangeofservicesfromseverallocations.
Answer:
branchbank
3.A(n)_____________________isabankwhichoffersitsfullrangeofservicesfromonlyonelocation.
Answer:
unitbank
4.A(n)________________________isacorporationcharteredfortheexpresspurposeofholdingthestockofoneormorebanks.
Answer:
BankHoldingCompany
5.Managerswhovaluefringebenefits,plushofficesandampletravelbudgetsoverthepursuitofmaximumreturnsforstockholdersareexhibitingsignsof__________________________.
Answer:
ExpensePreferenceBehavior
6.A(n)__________________________caninvestincorporatestockassellasloanmoneytohelpfinancethestartofnewventuresorsupporttheexpansionofexistingbusinesses.
Answer:
Merchantbank
7.Abankwhichoperatesexclusivelyovertheinternetisknownasa___________bank.
Answer:
Virtual
8.Onenew21stcenturybankorganizationalstructuresis_____________________.Thisisaspecialtypeofholdingcompanythatmayofferthebroadestrangeoffinancialservices.
Answer:
FinancialHoldingCompany(FHC)
9.Thekeyprobleminalargemoneycenterbankis.Managersmaybeknowledgeableaboutbankingpracticesbutmaybelessinformedaboutproductsandservicesofsubsidiarycompanies.
Answer:
spanofcontrol
10.TheGramm-Leach-BlileyActmovedtheU.S.bankingindustryclosertobankinginwhichbanksmayprovidesecurities,insurance,andotherfinancialproducts.
Answer:
universal
11.Abankthatisnotassociatedwithabankholdingcompanyiscalleda(n)bank.
Answer:
independent
12.isaviewofhowmoderncorporationsoperatewhichanalyzestherelationshipbetweenafirm’sownersanditsmanagers.
Answer:
Agencytheory
13.Manyexpertsbelievethat,therelationshipsthatexistbetweenmanagers,theboardofdirectorsandstockholders,ismorecomplicatedinfinancialinstitutions.Answer:
Becauseofgovernmentregulations.
14.istheideathattherewillbealowercostofproductionperunitasthefirmgetslarger.
Answer:
Economiesofscale
15.istheideathattherewillbelowercostofproducingmultipleservicesusingthesameorganizationandresources.
Answer:
Economiesofscope
16.Overtheyears,managersofbanksandotherfinancialinstitutionshaveevolveddifferentorganizationalformstoaddresschangesintheindustry.Indeed,thesefirmsareorganizedtocarryoutvariousrolesinthemostefficientway.Thisisreferredtoas_________________________.
Answer:
Organizationalformfollowsfunction
True/FalseQuestions
TF17.Banksizeisnotconsideredasignificantfactorindetermininghowbanksareorganized.
Answer:
False
TF18.NearlythreequartersofallU.S.banksexceed$100millioninassetsizeapiece.
Answer:
False
TF19.NearlyallU.S.bankswithfederalorstatechartershavetheirdepositsinsuredbytheFederalDepositInsuranceCorporation.
Answer:
True
TF20.State-charteredbanksintheUnitedStatesrepresentaboutaquarterofallU.S.-charteredbanks,whilenationalbanksaccountforapproximatelythreequartersofallU.S.charteredbanks.
Answer:
False
TF21.ThemajorityofallU.S.banksaremembersoftheFederalReserveSystem.
Answer:
False
TF22.Abankingcorporationcharteredbyeitherfederalorstategovernmentsthatoperatesonlyonefull-serviceofficeiscalledaunitbank.
Answer:
True
TF23.OverhalfofallU.S.statestodaylimitbranchingactivity.
Answer:
False
TF24.TheaverageU.S.bankislargerinsize(intermsofnumberofbranchoffices)thantheaverageCanadianbank.
Answer:
False
TF25.DespitetherapidgrowthofautomationinU.S.banking,therearemorefull-servicebranchbankingofficesthanautomatedtellermachinesacrossthewholeU.S.
Answer:
False
TF26.IntheUnitedStatestherearemoreone-bankholdingcompaniesthanmulti-bankholdingcompanies.
Answer:
True
TF27.Bankholdingcompaniesholdmorethan90percentoftheindustry’sassetsintheUnitedStates.
Answer:
True
TF28.Researchevidencesuggeststhatbankstakenoverbyinterstatebankingorganizationshavegenerallyincreasedtheirmarketsharesovertheircompetitorswithinthesamestateandgenerallyaremoreprofitablethantheircompetitors.
Answer:
False
TF29.Theconcentrationofbankdepositsatthelocallevel(thatisinurbancommunitiesandruralcounties)hasdisplayedonlymoderatechangesinrecentyears.
Answer:
True
TF30.Thereisevidencethatbranchbankschargehigherfeesforsomebankingservicesthandounitbanks.
Answer:
True
TF31.Branchbankstendtoofferawidermenuofservicesthanunitbanks.
Answer:
False
TF32.Recentresearchsuggeststhatbranchbankstendtobemoreprofitablethaneitherunitorholdingcompanybanks,whileinterstatebankstendtobethemostprofitableofall.
Answer:
False
TF33.Lessthan10percentofthelargestbanksintheU.S.controlalmost90percentoftheindustryassets.
Answer:
True
TF34.Agencytheorysuggeststhatbankmanagementwillalwayspursuethegoalofmaximizingthereturnofthebank'sshareholders.
Answer:
False
TF35.RecentresearchsuggeststhattherelationshipbetweenbanksizeandthecostofproductionperunitisroughlyUshaped.
Answer:
True
TF36.Bankholdingcompaniesthatwanttoachievethegoalofriskreductioninearningsriskthroughinterstatebankingcanachievethesamelevelofriskreductionbyenteringanyofthefiftystates.
Answer:
False
TF37.Bankholdingcompaniesareallowedtoownnonbankbusinessesaslongasthosebusinessesofferservicescloselyrelatedtobanking.
Answer:
True
TF38.Bankstendtohaveahigherproportionofoutsidedirectorsthanatypicalmanufacturingfirm.
Answer:
True
TF39.Bankswhichoperateentirelyonthewebareknownasinvisiblebanks.
Answer:
False
TF40.Banksacquiredbyholdingcompaniesarereferredtoasaffiliatedbanks.
Answer:
True
TF41.Bankorganizationalstructurehasbecomemorecomplexinrecentyears.
Answer:
True
TF42.ThereareonlyaverysmallnumberofunitbanksintheU.S.today.
Answer:
False
TF43.Traditionalbrick-and-mortarbankbranchofficesareonthedeclineintheU.S.today.
Answer:
False
TF44.Communitybanksareusuallysmallerbanksthataredevotedprincipallytothemarketsforsmaller,locallybaseddepositsandloans.
Answer:
True
TF45.Thequestionofwhetherfinancialfirmsoperateasefficientlyaspossiblerequiresresearcherstolookintotheissueofx-efficiency.Theconceptrequiresanassessmentofthefinancialfirm’soperatingcostsinrelationtoitscost-efficientfrontier.
Answer:
True
MultipleChoiceQuestions
46.Inbanking,organizationalformfollows__________becausebanksusuallyareorganizedinsuchawayastocarryoutthetasksandsupplytheservicesdemandedofthem.Thetermthatcorrectlyfillsintheblankinthesentenceaboveis:
A)Banksize
B)Management'sdecision
C)Function
D)Regulation
E)Location
Answer:
C
47.Whichoneofthefollowingischargedwithsettingpolicyandoverseeingabank'sperformance?
A)Stockholders
B)Boardofdirectors
C)Regulators
D)Depositors
E)Noneoftheabove.
Answer:
B
48.Thelargestbankspossesssomepotentialadvantagesoversmallandmedium-sizebanks,accordingtothetextbook.Whatspecificadvantageofthelargestbanksoversmallandmedium-sizedbanksisnotmentionedinthetext?
A)Greaterdiversificationgeographicallyandbyproductline
B)Availabilityoffinancialcapitalatlowercost
C)Greaterprofessionalexpertisetoallocatecapitaltothemostpromisingproductsandservices
D)Betterpositionedtotakeadvantageoftheopportunitiesaffordedbyinterstatebanking.
E)Alloftheabovewerementionedinthetextasadvantagestypicallypossessedbythelargestbanks.
Answer:
E
49.BeforeanyfinancialservicescanbeofferedtoanyoneabankintheUnitedStatesmusthavea:
A)Certificateofdepositinsurance
B)Charterofincorporation
C)Listofestablishedcustomers
D)Newbuildingconstructedtobethebank'spermanenthome
E)Noneoftheabove.
Answer:
B
50.IntheUnitedStatestherearecloseto__________commercialbanksinoperation.WhichnumbershownbelowisclosesttotheactualtotalnumberofU.S.banksoperatingintheU.S.?
A)20,500
B)13,500
C)11,500
D)9,000
E)7,500
Answer:
E
51.Oneofthefewstatesthathasoptedoutofinterstatebankingis:
A)NewYork
B)Ohio
C)Texas
D)Montana
E)Noneoftheabove
Answer:
D
52.TheconcentrationofU.S.bankdepositsinthehandsofthelargestbankshas_________duringthemostrecentperiod,
A)Declined
B)Increased
C)Remainedessentiallyunchanged
D)Exhibitedlargefluctuationsinbothdirections
E)Noneofabove.
Answer:
B
53.Bankholdingcompanyorganizationshaveseveraladvantagesoverothertypesofbankingorganizations.Amongtheadvantagesmentionedinthischapteris:
A)Greatereaseofaccesstocapitalmarkets
B)Taxadvantage
C)Product-linediversification
D)Alloftheabove.
E)Noneofthe
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