金融市场学双语题库及答案第十七章米什金《金融市场与机构》.docx
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金融市场学双语题库及答案第十七章米什金《金融市场与机构》.docx
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金融市场学双语题库及答案第十七章米什金《金融市场与机构》
FinancialMarketsandInstitutions,8e(Mishkin)
Chapter17BankingandtheManagementofFinancialInstitutions
17.1MultipleChoice
1)Whichofthefollowingstatementsistrue?
A)Abank'sassetsareitssourcesoffunds.
B)Abank'sliabilitiesareitsusesoffunds.
C)Abank'sbalancesheetshowsthattotalassetsequaltotalliabilitiesplusequitycapital.
D)Alloftheabovearetrue.
Answer:
C
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
2)Whichofthefollowingstatementsistrue?
A)Abank'sassetsareitsusesoffunds.
B)Abank'sassetsareitssourcesoffunds.
C)Abank'sliabilitiesareitsusesoffunds.
D)OnlyBandCoftheabovearetrue.
Answer:
A
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
3)Whichofthefollowingstatementsisfalse?
A)Abank'sassetsareitsusesoffunds.
B)Abankissuesliabilitiestoacquirefunds.
C)Abank'sassetsprovidethebankwithincome.
D)Bankcapitalisanassetonthebankbalancesheet.
Answer:
D
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
4)Abank'sbalancesheet
A)showsthattotalassetsequaltotalliabilitiesplusequitycapital.
B)listssourcesandusesofbankfunds.
C)indicateswhetherornotthebankisprofitable.
D)doesalloftheabove.
E)doesonlyAandBoftheabove.
Answer:
E
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
5)Whichofthefollowingarereportedasliabilitiesonabank'sbalancesheet?
A)Reserves
B)Checkabledeposits
C)Loans
D)Depositswithotherbanks
Answer:
B
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
6)Whichofthefollowingarereportedasliabilitiesonabank'sbalancesheet?
A)Discountloans
B)Cashitemsintheprocessofcollection
C)Stategovernmentsecurities
D)Alloftheabove
E)OnlyBandCoftheabove
Answer:
A
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
7)Theshareofcheckabledepositsintotalbankliabilitieshas
A)expandedmoderatelyovertime.
B)expandeddramaticallyovertime.
C)shrunkovertime.
D)remainedvirtuallyunchangedsince1960.
Answer:
C
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
8)Checkabledepositsandmoneymarketdepositaccountsare
A)payableondemand.
B)liabilitiesofthebanks.
C)assetsofthebanks.
D)onlyAandBoftheabove.
E)onlyAandCoftheabove.
Answer:
D
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
9)Whichofthefollowingstatementsisfalse?
A)Checkabledepositsareusuallythelowest-costsourceofbankfunds.
B)Checkabledepositsaretheprimarysourceofbankfunds.
C)Checkabledepositsarepayableondemand.
D)CheckabledepositsincludeNOWaccounts.
Answer:
B
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
10)Becausecheckingaccountsare________liquidforthedepositorthanpassbooksavings,theyearn________interestrates.
A)less;higher
B)less;lower
C)more;higher
D)more;lower
Answer:
D
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
11)Becausepassbooksavingsare________liquidforthedepositorthancheckingaccounts,theyearn________interestrates.
A)less;higher
B)less;lower
C)more;higher
D)more;lower
Answer:
A
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
12)Whichofthefollowingischeckabledeposits?
A)Savingsaccounts
B)Small-denominationtimedeposits
C)Moneymarketdepositaccounts
D)Certificatesofdeposit
Answer:
C
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
13)Whichofthefollowingarenotcheckabledeposits?
A)Savingsaccounts
B)Small-denominationtimedeposits
C)Negotiableorderofwithdrawalaccounts
D)Alloftheabove
E)OnlyAandBoftheabove
Answer:
E
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
14)Whichofthefollowingarecheckabledeposits?
A)Savingsaccounts
B)Small-denominationtimedeposits
C)Negotiableorderofwithdrawalaccounts
D)Certificatesofdeposit
Answer:
C
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
15)Large-denominationCDsare________,sothatlikeabondtheycanberesoldina________marketbeforetheymature.
A)nonnegotiable;secondary
B)nonnegotiable;primary
C)negotiable;secondary
D)negotiable;primary
Answer:
C
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
16)BankloansfromtheFederalReservearecalled________andrepresenta________offunds.
A)discountloans;use
B)discountloans;source
C)fedfunds;use
D)fedfunds;source
Answer:
B
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
17)Whichofthefollowingwouldsubstitutefordiscountloans?
A)Loanstobusinesses
B)Repurchaseagreements
C)InvestinginEurodollars
D)Loanstobankholdingcompanies
E)Reverserepurchaseagreements
Answer:
B
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
18)Whichofthefollowingarereportedasassetsonabank'sbalancesheet?
A)DiscountloansfromtheFed
B)Loans
C)Borrowings
D)OnlyAandBoftheabove
Answer:
B
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
19)Whichofthefollowingarereportedasassetsonabank'sbalancesheet?
A)Cashitemsintheprocessofcollection
B)Depositswithotherbanks
C)Checkabledeposits
D)Bankcapital
E)OnlyAandBoftheabove
Answer:
E
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
20)Whichofthefollowingarereportedasassetsonabank'sbalancesheet?
A)Borrowings
B)Reserves
C)Savingsdeposits
D)Bankcapital
E)OnlyAandBoftheabove
Answer:
B
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
21)Whichofthefollowingarenotreportedasassetsonabank'sbalancesheet?
A)Cashitemsintheprocessofcollection
B)Depositswithotherbanks
C)U.S.Treasurysecurities
D)Checkabledeposits
Answer:
D
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
22)Whichofthefollowingarenotreportedasassetsonabank'sbalancesheet?
A)Cashitemsintheprocessofcollection
B)Borrowings
C)U.S.Treasurysecurities
D)Reserves
Answer:
B
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
23)Becauseoftheir________liquidity,________U.S.governmentsecuritiesarecalledsecondaryreserves.
A)low;short-term
B)low;long-term
C)high;short-term
D)high;long-term
Answer:
C
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
24)Secondaryreserves________.
A)canbeconvertedintocashwithlowtransactioncosts
B)arenoteasilyconvertedintocashandare,therefore,ofsecondaryimportancetobanks
C)counttowardmeetingrequiredreserves,butonlyatarateof$0.50perdollarofsecondaryreserves
D)ofnoneoftheabove.
Answer:
A
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
25)Themostimportantcategoryofassetsonabank'sbalancesheetis
A)discountloans.
B)securities.
C)loans.
D)cashitemsintheprocessofcollection.
Answer:
C
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
26)Whichofthefollowingbankassetsaretheleastliquid?
A)Reserves
B)Mortgageloans
C)Cashitemsinprocessofcollection
D)Depositswithotherbanks
Answer:
B
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
27)Whichofthefollowingbankassetsarethemostliquid?
A)Consumerloans
B)Reserves
C)Cashitemsinprocessofcollection
D)U.S.governmentsecurities
Answer:
B
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
28)Loans
A)arethelargestcategoryofbankassets.
B)providemostofthebank'srevenues.
C)earnthehighestreturnofallbankassets.
D)doalloftheabove.
E)areonlyAandBoftheabove.
Answer:
D
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
29)Abank'slargestsourceoffundsisits
A)nontransactiondeposits.
B)checkingdeposits.
C)borrowingfromtheFed.
D)federalfunds.
Answer:
A
Topic:
Chapter17.1TheBankBalanceSheet
QuestionStatus:
PreviousEdition
30)Banksearnprofitsbyselling________withattractivecombinationsofliquidity,risk,andreturn,andusingtheproceedstobuy________withadifferentsetofcharacteristics.
A)loans;deposits
B)securities;deposits
C)liabilities;assets
D)assets;liabilities
Answer:
C
Topic:
Chapter17.2BasicBanking
QuestionStatus:
PreviousEdition
31)Ingeneral,banksmakeprofitsbyselling________liabilitiesandbuying________assets.
A)long-term;shorter-term
B)short-term;longer-term
C)illiquid;liquid
D)risky;risk-free
Answer:
B
Topic:
Chapter17.2BasicBanking
QuestionStatus:
PreviousEdition
32)Whenyoudeposit$50intheFirstNationalBank,
A)itsliabilitiesdecreaseby$50.
B)itsassetsincreaseby$50.
C)itsreservesincreaseby$50.
D)onlyBandCoftheaboveoccur.
Answer:
D
Topic:
Chapter17.2BasicBanking
QuestionStatus:
PreviousEdition
33)Whenyoudeposit$50intheFirstNationalBank,
A)itsliabilitiesdecreaseby$50.
B)itsassetsincreaseby$50.
C)itsreservesdecreaseby$50.
D)onlyBandCoftheaboveoccur.
Answer:
B
Topic:
Chapter17.2BasicBanking
QuestionStatus:
PreviousEdition
34)Whenyoudeposit$50incurrencyattheOldNationalBank,
A)itsassetsincreaseby$50.
B)i
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