商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap001.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Chap001.doc
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Chapter1
AnOverviewoftheChangingFinancial-ServicesSector
FillintheBlankQuestions
1. _______________________isatraditionalserviceprovidedbybanksinwhichthebanksstorethevaluablesoftheircustomersandcertifytheirtruevalue.
Answer:
Safekeepingofvaluables
2. Thefactthatfinancialinstitutionsmakeloansbasedonconfidentialinformationisthe_______________________theoryofbanking.
Answer:
delegatedmonitoring
3. _______________________referstowhenafinancialinstitutiontradesoneformofcurrencyforanother.Anexampleofthiswouldbewhenthebanktradesdollarsforyenforafee.
Answer:
currencyexchange
4.A(n)_______________________isatraditionalservicewhichpermitsadepositortowriteadraft(汇票)inpaymentforgoodsandservices.
Answer:
demanddeposit(checkingaccount)
5. _______________________isaserviceprovidedbybankswherethebanklendsmoneytoindividualsforthepurchaseofdurableandothergoods.
Answer:
Consumerlending
6. The_______________________ofabankisatraditionalservicewherethebankmanagesthefinancialaffairsandpropertyofindividuals(andinsomecasesbusinesses).
Answer:
trustservices
7. CompaniessuchasMerrillLynchandSearswhichofferedsomebutnotallbankingservicesinthe1980swerecalled_______________________.
Answer:
nonbankbanks
8. Thelooseningofgovernmentregulationandcontroloffinancialinstitutionsiscalled_______________________.
Answer:
deregulation
9. ___________________________isanalternativetolendinginwhichthefinancialinstitutionpurchasestheequipmentandrentsittoitscustomers.
Answer:
Equipmentleasingservices
10. The___________________________isalandmarkactwhichallowsfinancialserviceproviderstoofferanexpandedmenuoffinancialservicesforthecustomer.Thislawallowsbankstotrulybecomeconglomeratefinancialserviceproviders.
Answer:
FinancialServicesModernizationAct(Gramm-Leach-BlileyAct)
11. Thecountrywiththemostbanksis_______________________.
Answer:
UnitedStates
12. AccordingtoCongressa____________isdefinedasanyinstitutionthatcanqualifyfordepositinsuranceadministeredbytheFDIC.
Answer:
Bank
13. Abankwhichspansregions,nations,andcontinents,offeringthewidestmenuoffinancialservicesisknownasa__________bank.
Answer:
money-centerbank
14. _____________referstothemovementofbusinessesacrossindustrylinesinordertobroadenitsbase.
Answer:
Convergence
15. Bankswhichserveprimarilyhouseholdsandsmallfirmsareknownas____________banks.
Answer:
retail
16. Banksthatselldepositsandmakeloanstobusinessesandindividualsareknownas______banks.
Answer:
commercial
17. Bankswhichunderwriteissuesofnewsecuritiesfortheircorporatecustomersareknownas________banks.
Answer:
investment
18. BankswhichfunctionunderafederalcharterthroughtheComptroller(审计署)oftheCurrencyintheUnitedStatesareknownas____________banks.
Answer:
National
19. Bankswhichsupplybothdebtandequitycapitaltobusinessesareknownas_________banks.
Answer:
merchant(商人)
20.Abankthatoffersitsservicesonlyovertheinternetisknownasa(n).
Answer:
virtualbank(虚拟银行)
21.Whenalocalmerchantsellstheaccountsreceivablestheyholdagainsttheircustomertoabankthisgenerallyknownas.
Answer:
discountingcommercialnotes
22.A(n)offersloanstocommercialenterprises(suchasappliancedealers)ortoindividualsusingfundsborrowedintheopenmarketorfromotherfinancialinstitutions.ExamplesofthistypeoffinancialserviceproviderincludeGMACFinancialServicesandHouseholdFinance.
Answer:
financecompany
23.A(n)buysandsellssecuritiesonbehalfoftheircustomersandfortheirownaccounts.ExamplesofthistypeoffinancialserviceproviderincludeMerrillLynchandCharlesSchwab.
Answer:
securitybroker(ordealer)
24.A(n)sellssharesmainlytoupscaleinvestorsinabroadgroupofdifferentkindsofassetsincludingnontraditionalinvestmentsincommodities,realestate,loanstoailingcompaniesandotherriskyassets.
Answer:
hedgefund
25.Whenabankagreestohandlethecashcollectionsanddisbursementsforacompanyandinvestanytemporarycashsurplusesininterestbearingassets,theyareprovidingservicestotheircustomers.
Answer:
cashmanagement
True/FalseQuestions
T F 26. Under
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