同济大学：《货币金融学》课程教学资源（试卷习题）Chapter 5 Commercial Banks

Chapter 5 Commercial Banks 1.Single Choice (1)Which of the following statements are true? A)A bank's assets are its sources of funds. B)A bank's liabilities are its uses of funds. C)A bank's balance sheet shows that total assets equal total liabilities plus equity capital. D)A bank's balance sheet indicates whether or not the bank is profitable. (2)Which of the following statements are true? A)Checkable deposits are payable on demand. B)Checkable deposits do not include NOW accounts. C)Checkable deposits are the primary source of bank funds. D)Demand deposits are checkable deposits that pay interest. (3)Because checking accounts are liquid for the depositor than passbook savings,they earn interest rates. A)less;higher B)less;lower C)more;higher D)more;lower (4)Large-denomination CDs are so that like a bond they can be resold in a market before they mature. A)nonnegotiable;secondary B)nonnegotiable;primary C)negotiable;secondary D)negotiable;primary (5)Bank loans from the Federal Reserve are called and represent a of funds. A)discount loans;use B)discount loans;source C)fed funds;use D)fed funds;source (6)Bank capital is equal to minus A)total assets;total liabilities B)total liabilities;total assets C)total assets;total reserves D)total liabilities;total borrowings

Chapter 5 Commercial Banks 1.Single Choice （1） Which of the following statements are true? A) A bank's assets are its sources of funds. B) A bank's liabilities are its uses of funds. C) A bank's balance sheet shows that total assets equal total liabilities plus equity capital. D) A bank's balance sheet indicates whether or not the bank is profitable. （2）Which of the following statements are true? A) Checkable deposits are payable on demand. B) Checkable deposits do not include NOW accounts. C) Checkable deposits are the primary source of bank funds. D) Demand deposits are checkable deposits that pay interest. （3）Because checking accounts are ________ liquid for the depositor than passbook savings, they earn ________ interest rates. A) less; higher B) less; lower C) more; higher D) more; lower （4）Large-denomination CDs are ________, so that like a bond they can be resold in a ________ market before they mature. A) nonnegotiable; secondary B) nonnegotiable; primary C) negotiable; secondary D) negotiable; primary （5）Bank loans from the Federal Reserve are called ________ and represent a ________ of funds. A) discount loans; use B) discount loans; source C) fed funds; use D) fed funds; source （6）Bank capital is equal to ________ minus ________. A) total assets; total liabilities B) total liabilities; total assets C) total assets; total reserves D) total liabilities; total borrowings

(7)Bank capital is listed on the side of the bank's balance sheet because it represents a of funds. A)liability;use B)liability;source C)asset;use D)asset;source (8)Which of the following are reported as assets on a bank's balance sheet? A)Borrowings B)Reserves C)Savings deposits D)Bank capital (9)Because of their liquid ity, U.S.government securities are called secondary reserves. A)low;short-term B)low;long-term C)high;short-term D)high;long-term (10)Bank's make their profits primarily by issuing A)equity B)negotiable CDs C)loans D)NOW accounts 2.Multiple Choice (1)Which of the following are defects of the liability management theory A.Raise financing costs B.Increase operational risk C.Reduced asset liquidity D.is not conducive to sound operation of the bank (2)The cash assets of a commercial bank include A.Cash on hand B.Reserves in the Central Bank C.Interbank deposits D.Funds in the collection process (3)Prerequisites for deposit creation by commercial banks: A.Partial reserve system B.Non-cash settlement system C.Own the right to issue bank notes D.All are

（7）Bank capital is listed on the ________ side of the bank's balance sheet because it represents a ________ of funds. A) liability; use B) liability; source C) asset; use D) asset; source （8）Which of the following are reported as assets on a bank's balance sheet? A) Borrowings B) Reserves C) Savings deposits D) Bank capital （9）Because of their ________ liquidity, ________ U.S. government securities are called secondary reserves. A) low; short-term B) low; long-term C) high; short-term D) high; long-term （10）Bank's make their profits primarily by issuing ________. A) equity B) negotiable CDs C) loans D) NOW accounts 2. Multiple Choice (1)Which of the following are defects of the liability management theory ( ) A. Raise financing costs B. Increase operational risk C. Reduced asset liquidity D. is not conducive to sound operation of the bank (2)The cash assets of a commercial bank include ( ) A. Cash on hand B. Reserves in the Central Bank C. Interbank deposits D. Funds in the collection process (3)Prerequisites for deposit creation by commercial banks： A.Partial reserve system B. Non-cash settlement system C. Own the right to issue bank notes D. All are

(4)The assets business of the commercial bank includes( A.Cash B.Loans C.Securities investment D.Capital (5)Which of the following are new financial instruments that appear in financial innovation? A.Issuance ofnotes B.Trust business C.Forward Rate Agreement D.Interchangeable 3.ShortAnswer Questions (1)What is the off-balance sheet business of the bank? (2)How can commercial banks create credit?What are the factors that affect the credit creation of commercial banks?

(4) The assets business of the commercial bank includes ( ) A. Cash B. Loans C. Securities investment D. Capital (5)Which of the following are new financial instruments that appear in financial innovation? A. Issuance of notes B. Trust business C. Forward Rate Agreement D. Interchangeable 3、Short Answer Questions (1)What is the off-balance sheet business of the bank? (2)How can commercial banks create credit? What are the factors that affect the credit creation of commercial banks?