商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap016Word格式.doc
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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Chap016Word格式.doc
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Answer:
CAMELS
2. Oneofthe6C’soflending,______________suggeststhatthelendermustlookatthepositionofthebusinessfirmintheindustryandtheoutlookoftheindustrytoevaluatealoan.
condition
3. Oneofthe6C’soflending,______________suggeststhatthelendermustlooktoseeiftheborrowerislegallyentitledtosignabindingloanagreement.Foranindividualthisentailsmakingsuretheborrowerisoflegalagetosignacontract.
capacity
4. Whenabankpurchasesawholeloanorapieceofaloanfromanotherbanktheyarepurchasingwhatisknownasa____________________________.
participation
5. Loansthathaveminorweaknessesbecausethebankhasnotfolloweditswrittenloanpolicyorwhichhavemissingdocumentationarecalled______________byregulators.
criticized
6. ____________________________areloansextendedtofarmersandrancherstoassistinplantingcrops,harvestingcropsandtosupportthefeedingandcareoflivestock.
Agricultureloans
7. ____________________________devotethebulkoftheircreditportfoliotolarge-denominationloanstocorporationsandotherbusinessesandtendtobelargebanks.
Wholesalelenders
8. ____________________________areloanswhicharesecuredbylandbuildingsandotherstructures.Theseloanscanbeshorttermconstructionloansorlongertermloanstofinancethepurchaseofhomesandapartmentsamongothers.
Realestateloans
9. A______________issignedbytheborrowerandindicatestheprincipalamountoftheloan,theinterestrateontheloanandthetermsunderwhichrepaymentmusttakeplace.
Promissorynote
10. ____________________________arethosethingsaborrowermustdo.Theyareactionstheborrowermusttake.Examplesincludefilingperiodicfinancialstatementswiththebankandpurchasinginsuranceonanycollateralpledged.
Affirmativecovenants
11. ___________________________arewhenlendersextendcredittobanks,insurancecompanies,andfinancecompaniesamongothers.
Financialinstitutionloans
12. ______________areloansthatcarryastrongprobabilityoflosstothebank.
Doubtfulloans
13. A(n)______________istheprocessofresolvingatroubledloansothebankcanrecoveritsfunds.
loanworkout
14. ______________isoneofthekeyfeaturesofanyloan.ThisCoflendingexamineswhethertheborrowerwillhaveenoughsalesorincometorepaytheloan.
cash
15. Abank’s__________________________________________givesloanofficersspecificguidelinesinmakingindividualloandecisionsandinshapingtheoverallloanportfolio.
writtenloanpolicy
16. Anapproachinwhichthelendingofficerfocusesonchangesinborrowercashflowsovertimeisknownasthe_____________cashflowmethod.
direct
17.areloansgrantedtobusinessestocoverpurchasesofinventory,payingtaxesandmeetingpayrolls.
Commercialandindustrialloans(C&
ILoans)
18.includecredittofinancethepurchaseofautomobiles,mobilehomes,appliancesandotherretailgoodsandmanyotherpurchasesbyconsumers.
Loanstoindividuals(consumerloans)
19.iswherethelenderbuysequipmentorvehiclesandrentsthemtoitscustomers.
Leasefinancingreceivables
20.Smallerbankstendtoemphasizeintheformofsmallerdenominationpersonalcashloansandhomemortgageloanstoextendedtoindividualsandfamiliesaswellassmallerbusinessloans.
retailcredit
21.Theloanmixofanylendinginstitutiondependsheavilyonthethateachloanofferscomparedtoallotherassetsthelendinginstitutioncanacquire.
expectedyield
22.Underthenoindividualcanbedeniedcreditbecauseofrace,sex,religiousaffiliation,ageorreceiptofpublicassistance.
EqualCreditOpportunityAct(1974)
23.OneaspectoftheCAMELSratingsystemiswhichlooksatthequalityofthebank’sloans.Examinerslookatallloansoveracertainsizeandarandomselectionofallotherloanswhenlookingatthisaspectofabank.
assetquality
24.Onepartofthe6C’soflendingis
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