商业银行经营管理学（山东联盟） 知到智慧树答案2024 z13586

第一章 单元测试

1、
In the U.S a bank is defined by federal and state laws and by bank regulators，so that we can divide the commecial banks in the U.S into two kinds：national bank and state bank .

A:对
B:错
答案: 对

2、
In the United States, banks are regulated through a dual banking system; that is, both federal and state authorities have significant regulatory powers.

A:对
B:错
答案: 对

3、
The Principal Reasons Financial-service Firms Are Subject to Government Regulation.(       )

A:

To protect the safety of the public’s savings.

B:

To control the supply of money and credit in order to achieve a nation’s broad economic goals.

C:

To ensure equal opportunity and fairness in the public’s access to credit and other vital financial services.

D:

To promote public confidence in the financial system, so that savings flow smoothly into productive investment, and payments for goods and services are made speedily and efficiently.

E:

To avoid concentrations of financial power in the hands of a few individuals and institutions.

答案:

To protect the safety of the public’s savings.

;

To control the supply of money and credit in order to achieve a nation’s broad economic goals.

;

To ensure equal opportunity and fairness in the public’s access to credit and other vital financial services.

;

To promote public confidence in the financial system, so that savings flow smoothly into productive investment, and payments for goods and services are made speedily and efficiently.

;

To avoid concentrations of financial power in the hands of a few individuals and institutions.

4、
Offer all of their services from one office, although some services (such as taking deposits, cashing checks, or paying bills) may be offered from limited-service facilities, such as drive-up windows and automated teller machines (ATMs) that are linked to the bank’s computer system，this organization structure is  Unit bank.

A:对
B:错
答案: 对

5、
A bank holding company is simply a corporation chartered for the purpose of holding the stock (equity shares) of at least one bank.

A:对
B:错
答案: 对

第二章 单元测试

1、
由于各国金融体制的差异和金融市场发达的程度不同，各国银行的负债结构不尽相同；即使在同一国家的同一家银行，由于经济发展和金融环境的变化，其负债结构也处于不断变化的过程中。但不管是在哪一个国家，存款始终是银行的主要负债，也是银行经常性资金的来源；借入负债的比重则随金融市场的发展而不断有所上升。

A:对
B:错
答案: 对

2、
商业银行的存款作为主要资金来源其规模应该是越多越好。

A:对
B:错
答案: 错

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