1/1金融市場與金融機(jī)構(gòu)練習(xí)(五)--參考答案天津商業(yè)高校2022-2023學(xué)年一學(xué)期

課程考試試卷答案(E卷)

課程名稱：金融市場與金融機(jī)構(gòu)考試時間：120分鐘班級：xxx級

專業(yè)：xxx

題目部分，（卷面共有75題，100分，各大題標(biāo)有題量和總分）

一、MultipleChoiceQuestions（60小題，共60分）

(1分)1、Whenalargecompanyissuesafinancialinstrumentintothefinancialmarkets:

A.fundsflowindirectlyfromsavertoborrower.

B.thecostoffundsisgenerallyhigherowingtotheriskinvolved.

C.itbuysafinancialclaim.

D.itsellsafinancialclaim.

答案：D

(1分)2、Theexchangeofgoodsandservicesismademoreefficientby:

A.barters.

B.money.

C.governments.

D.somecombinationofgovernmenttransferandbarter.

答案：B

(1分)3、Asavings-surplusunitisanentity:

A.thatneedstoborrowfundsfromasurplusunit.

B.whichhasanincomethatexceedsitsspending.

C.whosespendingexceedsitsincome.

D.calledacompany.

答案：B

(1分)4、WhichofthefollowingisNOTassociatedwithcharacteristicsofshares?

A.Partownershipofacompany

B.Capitalgains

C.Afixedinterestpayment

D.Dividends

答案：C

(1分)5、Financialinstitutionsthatareformedunderatrustdeedandattractfundsbyinvitingthepublictobuyunitsare:

A.financecompanies

B.buildingsocieties.

C.unittrusts.

D.lifeinsuranceoffices.

答案：C

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(1分)6、Whenaborrowerissuesadebtinstrumentwithcollateralspecifiedinitscontractthisdebtinstrumentiscalled:

A.unsecured.

B.secured.

C.defined.

D.negotiable.

答案：B

(1分)7、Asecondaryfinancialmarketisonethat:

A.offersfinancialassetswiththehighestexpectedreturn.

B.offersthegreatestnumberoffinancialassets.

C.involvesthesaleofexistingfinancialassets.

D.offersfinancialassetswiththehighesthistoricalreturn.

答案：C

(1分)8、Whenanindividualhasimmediateaccesstotheirfundsfromanaccountwithafinancialintermediary,theintermediaryisengagingin:

A.assettransformation.

B.liabilitymanagement.

C.liquiditymanagement.

D.credittransformation.

答案：C

(1分)9、Themainparticipantsinthefinancialsystemareindividuals,corporationsandgovernments.Individualsaregenerally______offundsandcorporationsarenet________offunds.

A.borrowers;suppliers

ers;providers

C.suppliers;users

D.demanders;providers

答案：C

(1分)10、Themarketthatgenerallyinvolvesthebuyingandsellingofdiscountsecuritiesisthe:

A.securitiesmarket.

B.moneymarket.

C.sharemarket.

D.capitalmarket.

答案：B

(1分)11、Secondarymarkets:

A.allowborrowerstoraiselong-termfunds.

B.facilitatecapital-raisingintheprimarymarket.

C.donotraisenewfundsbutofferliquidity.

D.allofthegivenanswers.

試卷答案第2頁（共13頁）

答案：D

(1分)12、Themovementoffundsbetweenthefoursectorsofadomesticeconomyandtherestoftheworldiscalled:

A.flowoffunds.

B.sectoranalysis.

C.sectorialflows.

D.cross-sectorflows.

答案：A

(1分)13、WhichofthefollowingisNOTafeatureofadebtinstrument?

A.Acontractualclaimagainsttheborrower

B.Periodicinterestpayments

C.Higherclaimonassetsofborrowerthanequityholders

D.Theirpricesdonotfluctuateasmuchasshares

答案：D

(1分)14、WhichofthefollowingisNOTafeatureofthemoneymarket?

A.Itisamainlywholesalemarket

B.Itdealswithshort-termfinancialclaims

C.Itisimportantinfinancingtheworking-capitalneedsofbusinessesandgovernments

D.Itonlyoperatesasamarketinwhichnewsecurityissuesarecreatedandmarketed

答案：D

(1分)15、Foradditionalfunding,acompanydecidestoissue$15millionincorporatebonds.Thesecuritieswillbeissuedintothe:

A.retailmarkets.

B.secondarymarkets.

C.moneymarkets.

D.capitalmarkets.

答案：D

(1分)16、Themarketstructureofthebankingsectorhaschangedsincederegulationofthefinancialsystemduringthe1980s.WhichstatementmostcloselyreflectsthecurrentstructureofthebankingsectorinAustralia?

A.Foreignbanksdominateinnumberandshareoftotalassets.

B.MajorAustralianbanksnolongerholdthelargestshareoftotalassets.

C.Totalassetsarefairlyevenlydistributedbetweenthemajor,regionalandforeignbanks.

D.Majorbanksmaintainthehighestpercentageofbranchesandshareoftotalassets.

答案：D

(1分)17、Theassetsonabanksbalancesheetare:

A.thesourcesoffunds.

B.theusesoffunds.

C.thedifferenttypesofdepositsthebankoffers.

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D.equaltotheliabilitiesofthebanks.

答案：B

(1分)18、Theliabilitiesonabanksbalancesheetare:

A.thesourcesoffunds.

B.theusesoffunds.

C.thedifferenttypesofloansthebankoffers.

D.equaltotheassetsofthebanks.

答案：A

(1分)19、Theterm‘negotiableinrelationtoasecuritymeans:

A.itspricecanbebargainedforwhensold.

B.itcanbesoldeasily.

C.itsbuyercannegotiateitspricewhenbuying.

D.itisreasonablyilliquidandwilldropinpricewhensold.

答案：B

(1分)20、Anexampleofan‘off-sheetbusinesstransactionthatbanksaregenerallyinvolvedinis:

A.providinga‘standbyletterofcredit.

B.providinganoteissuancefacility.

C.providingashort-term,self-liquidatingtradecontingency.

D.allofthegivenanswers.

答案：D

(1分)21、Whichofthefollowingstatementsaboutbillacceptancefacilitiesisincorrect?

A.Whenabankdiscountsabillfortheissuer,itbuysit.

B.Whenabankthatholdsabillrediscountsitthebankonsellsit.

C.Whenabankactsasanacceptoritwillpaythefacevalueofthebilltotheholderatmaturity.

D.Ifinterestrateschangebeforeabankbillmatures,thebankcanchangetheinterestrateonit.答案：D

(1分)22、Commercialbankstakepartinthemoneymarketsas:

A.lendersoffundsonly.

B.borrowersoffundsonly.

C.bothlendersandborrowersoffunds.

D.underwritersonly.

答案：C

(1分)23、Whichofthefollowingstatementsregardingtheforeigncurrencyliabilitiesofabankisincorrect?

A.Thelargeinternationalmarketsareimportantsourcesoffundsforcommercialbanks.

B.Australianbanksoccasionallyissuedebtsecuritiesintotheinternationalmarketstoraisesumsrangingfrom$20millionto$50million.

C.ForeigncurrencyliabilitiesissuedintotheeuromarketsaretypicallydenominatedinUS

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dollars.

D.Afterderegulationcommercialbankswereabletoexpandtheirinternationalfundingsources.答案：B

(1分)24、A‘commitment’byabankis:

A.aformofswap.

B.apromisebyalargedepositortoprovideextrafundstothebank.

C.theunusedbalanceonabankcreditcard.

D.anundertakingtoadvancefundsortoacquireanassetinthefuture.

答案：D

(1分)25、ThePillar1approachofBaselIIcapitaladequacyincorporatesthefollowingthreeriskcomponents:

A.creditrisk,interest-rateriskandmarketrisk.

B.defaultrisk,interest-rateriskandoperationalrisk.

C.creditrisk,marketriskandoperationalrisk.

D.defaultrisk,foreignexchangeriskandoperationalrisk.

答案：C

(1分)26、IntheBaselIIstandardisedapproachtoexternalratinggrades,theassetcounterpartyweightsforcapitaladequacyguidelinesare:

A.10%,20%,50%and100%.

B.10%,50%,100%and150%.

C.20%,50%,100%and150%.