商业银行管理彼得S罗斯英文原书第8版英语试题库Chap015Word文档下载推荐.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Chap015Word文档下载推荐.docx
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Answer:
exchangerisk
2.Theriskthathastodowithfraud,embezzlementandbankrobberiesiscalled__________________.
crimerisk
3._________________________ismeasuredbytheparvalueofthesharesofcommonequityoutstanding.
Commonstock
4.__________________istheamountinexcessofparvaluepaidbythebank'
sshareholders.
Surplus
5._________________________arethenetearningsofthebankwhichhavebeenkeptbythebankratherthandistributedasdividendstostockholders.
UndividedProfits(orretainedearnings)
6.Corecapitalsuchascommonstock,surplus,undividedprofits,qualifyingnoncumulativepreferredstock,etc.isreferredtoas__________________capitalasdefinedbytheBaselagreement.
Tier1
7.TheinternationaltreatyinvolvingtheU.S.and11otherleadingindustrializedcountriestoimposecommoncapitalrequirementsonallbanksisknownasthe_________________________.
BaselAgreement
8.Supplementalcapitalsuchastheallowanceforloanlosses,subordinateddebt,mandatoryconvertibledebt,intermediate-termpreferredstock,cumulativepreferredperpetualstockandequitynotesismorecommonlyknownas_________________________.
Tier2capital
9.Whenitemsonabank'
sbalancesheetaremultipliedbytheappropriaterisk-weightingfactortheyareoftencalled_________________________.
risk-weightedassets
10.Thefactthatabankmaysufferdeficienciesinqualitycontrol,inefficienciesinproducinganddeliveringofservices,weatherdamage,agingorfaultycomputersystems,errorsinjudgmentbymanagementandfluctuationsineconomythatcouldadverselyaffectthebank'
sperformanceisknownas_________________________risk.
operational
11.Onedefenseagainstriskforthebankistospreadoutabank'
screditaccountsanddepositsamongawidevarietyofcustomers,includinglargeandsmallaccountsdifferentindustries,etc.Thisdefenseisknownas_________________________.
portfoliodiversification
12.Onedefenseagainstriskisforthebanktoseekoutcustomerslocatedindifferentcommunitiesorindifferentcountries.Thisdefenseisknownas_________________________.
geographicdiversification
13.Whenallelsefails,theultimatedefenseagainstriskinbankingis_________________________.
owners'
capital(networth)
14.Thelargestcomponentofcapitalamongthriftinstitutionsis_____________.
retainedearnings
15.Thelargestcomponentofcapitalamongbanksis____________.
surplus
16.____________modelsattempttomeasurepriceormarketriskofaportfolioofassetsandattempttodeterminethemaximumlosstheymightsustainoveradesignatedperiodoftime.
Valueatrisk(VaR)
17.ThelatestrevisiontotheBaselaccordisknownas__________andwillaffectonlyabout20ofthelargestU.S.banksandahandfulofleadingforeignbanks.
BaselII
18.____________modelsmeasurelenderexposuretodefaultsorcreditdowngrades.
CreditRisk
19.Creditriskmodelswillbe________widelyusedwhenBaselIItakeseffect.
more
20.AtthecenterofthedebateoftheBaselAgreementisthe,headquarteredinBaselSwitzerland,whichassistscentralbanksintheirtransactionswitheachotherandservesasaforumforinternationalfinancialissues.
BankforInternationalSettlements(BIS)
21.representsfundssetasideforcontingenciessuchaslegalactionagainsttheinstitutionaswellasprovidingareservefordividendsexpectedtobepaidbutnotyetdeclaredandasinkingfundtoretirestockordebtinthefuture.
Equityreserves
22.aredebtsecuritiesrepayablefromthesaleofstock.
Equitycommitmentnotes
23.isahybridformofequitycapitalissuedtoinvestorsthroughatrustcompany,Thefundsraiseareloanedtothefinancialfirm.Dividendspaidtostockholdersonthistimeofcapitalaretaxdeductible.
Trustpreferredstock
24.islong-termdebtcapitalwhoseclaimslegallyfollowclaimsofdepositors.
Subordinatednotesanddebentures
25.forbanksincludemortgageservicingrightsandpurchasedcreditcardrelationshipsandcanbecountedaspartofbankcapital.
Identifiableintangibleassets
True/FalseQuestions
TF26.Inthefieldofbanking,capitalrefersprincipallytothosefundscontributedbyabank'
sowners.
True
TF27.Accordingtothetextbookcapitalandriskareintimatelyrelatedtoeachother.
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