商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap006Word格式.doc

商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap006Word格式.doc

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Answer:

leverage（debt）

2. __________________________istheriskthathastodowiththequalityofthebank'

sassetsand,inparticular,thebank'

sloans.

Creditrisk

3. Solvency（orcapital）riskforabankcanbemeasuredby__________________________.Listonewaysolvencyriskcanbemeasured.

PurchasedFunds/TotalLiabilities（Thereareseveralotherratiosthatcananswerthisquestionaswell）

4. __________________________aretheassetsofafinancialinstitutionthatwillmatureorberepricedwithinasetperiodoftime.

InterestSensitiveAssets

5. __________________________istheriskthatthevalueofthefinancialinstitution'

sassetportfolio（particularlygovernmentorothermarketablesecurities）willdeclineinvalue.

Marketrisk

6. Eurodollars,FedFunds,RepurchaseAgreements,andlargeCDstogetherareknowas_____________________.

PurchasedFunds

7. __________________________istheriskthatthefinancialinstitutionmaynotbeabletomeettheneedsofdepositorsforcash.

Liquidityrisk

8. __________________________areloanswhicharepastdueby90daysormore.

Nonperformingloans

9. __________________________reflectsthebank'

sportfoliomanagementpoliciesandthemixandyieldonthebank'

ssecuritiesandisonepartoftheevaluationofROE.

Assetutilization

10. __________________________reflectstheeffectivenessoftheexpensemanagementofthebankandisonepartoftheevaluationofROE.

Netprofitmargin

11. __________________________measuresthereturntostockholdersontheirinvestmentinthebank.Itistheproductofnetprofitmargin,assetutilizationandtheequitymultiplier.

ROE

12. __________________________measurestheamountofdebtorleverageabankhasandisonepartoftheevaluationofthebank'

sROE）Itisgenerallyanumberlargerthanone.

Equitymultiplier

13. The__________________________isastandardizedreportprovidedbyfederalregulatorswhichreportsthebalancesheet,incomestatementandotherdataforallfederallysupervisedbanks.Ithasthisyear'

sdataaswellasthreepreviousyearsandalsocontainsinformationonpeerinstitutions.

UniformBankPerformanceReport

14. __________________________measuresthebank'

sriskoflongrunsurvival.Itmeasuresthebank'

scapitalpositionandshowsiftherehasbeenanyerosionofcapitalovertime.

Solvencyrisk（orcapitalrisk）

15. __________________________istheriskthatshiftinginterestratesinthemarketwilladverselyaffectafinancialinstitution'

snetincomeorthevalueofitsassetsorequity.

Interestraterisk

16. The____________________Actrestrictscombinedauditingandconsultingrelationshipsinordertopromoteauditorindependenceandobjectivity.

Sarbanes-Oxley

17.isoneofthemostwidelyrespectedprivateinstitutionsthatratesthecreditqualityoffinancialinstitutions.

Thomson’sBankWatch,Inc.

18.referstotheuncertaintyregardingthefinancialfirm’searningsduetofailuresincomputersystems,errors,misconductbyemployees,lighteningstrikesandsimilarevents.

Operational（transactional）risk

19.referstovariabilityinearningsresultingfromactionstakenbythelegalsystemincludingunenforceablecontracts,lawsuitsandadversejudgements.

Legalrisk

20.includesviolationsofrulesandregulations.Itcanincludefailuretoholdadequatecapitalwhichcanleadtocostlycorrectiveactions.

Compliancerisk

21.istheuncertaintyassociatedwithpublicopinion.Negativepublicity（whethertrueornot）canaffectafinancialfirm’searningsbydissuadingcustomersfromusingtheservicesoftheinstitution.

Reputationrisk

22.Asdataprocessingoffinancialinformationbecomesmoreimportant,managersoffinancialfirmscanrealizecostsavingsfrom,transferringtasksfrominsidetofirmitselftootherfirmsspecializingininformationtechnology.

outsourcing

23.Atraditionalmeasureofearningsefficiencyisthe