最新14年商业银行经营学试题(含答案两套题)

2023年《商业银行经营学》考试题及答案一、单选题1.《巴塞尔协议Ⅰ》规定核心资本与风险资产比率不得低于（），银行总资本与风险资产比率不得低于（）。

A、4%，10%B、8%，4%C、8%，10%D、4%，8%参考答案：D2.商业银行表外风险资产的计算参照（）进行。

A、表外风险资产＝∑表外资产×风险权数B、表外风险资产＝∑表外资产×表内相对性质资产的风险权数C、表外风险资产＝∑表外资产×信用转换系数D、表外风险资产＝∑表外资产×信用转换系数×表内相对性质资产的风险权数参考答案：D3.属于商业银行外源资本融资策略的是（）。

A、发行新股B、增加利润留成C、发行一般性金融债券D、向中央银行借款参考答案：A4.《巴塞尔协议III》规定,正常条件下系统重要性银行资本充足率的最低标准是（）。

A、9%B、10%C、10.5%D、11%参考答案：D5.《巴塞尔协议III》中提出的杠杆率标准是（）。

A、2%B、3%C、4%D、5%参考答案：B6.《巴塞尔协议III》引入逆周期超额资本的监管标准是（）。

A、0-2%B、1-2.5%C、1-2%D、0-2.5%参考答案：D7.《巴塞尔协议III》引入流动性风险监管标准，其中流动性覆盖率的计算公式是（）。

A、流动性覆盖率＝优质流动性资产储备/未来20天的资金净流出量B、流动性覆盖率＝优质流动性资产储备/未来30天的资金净流出量C、流动性覆盖率＝优质流动性资产储备/未来50天的资金净流出量D、流动性覆盖率＝优质流动性资产储备/未来60天的资金净流出量参考答案：B8.资金成本指为服务客户存款而支付的一切费用，包括利息成本和（）之和。

A、可用资金成本B、营业成本C、风险成本D、连锁反应成本参考答案：B9.商业银行的长期借款通常采用（）。

A、发行大面额存单B、发行金融债券C、发行企业债券D、再贴现参考答案：B10.按存款人经济性质划分,银行存款可以分为（）。

《商业银行经营学》期末考试考点（复习原题+原题拓展考点）一、单项选择题1、依据《巴塞尔协议》的要求，商业银行的资本充分率最少要达到8% 。

（ P47）核心资本最少占总资本的50%，充分率最少要达到4% 。

2、在商业银行的收入中，属于手续费收入的是汇款业务收取的开销。

（ P333）手续费收入：存款账户的服务开销、其余服务费和佣金收入、其余等非利息收入。

利息收入：发放贷款利息、开销收入；证券投资利息收入；其余利息收入包含寄存同业所得利息、同业拆借、进行证券回购所得收入，以及购置其余银行刊行按期存单所得利息。

3、在商业银行的主要财务报表中，反应财务情况的是损益表（又称“利润表” ）。

（ P329-340）存量报表是时点的信息，流量是特准期间的信息。

财富欠债表：存量报表，反应了特准时点上银行的财务情况，是银行经营活动的静态表现；损益表：流量报表，是银行在报表期间经营活动的动向表现。

现金流量表：两种报表的联系，反应在一个经营期间内的现金流量根源和运用及其增减变化情况。

4、以手下于商业银行资本隶属资本的是未公然贮备。

（多项选择题有波及）（ P37）商业银行资本包含核心资本（或一级资本）和隶属资本（或二级资本）。

核心资本包含股本和公然的准备金，这部分最少占全部资本的50％。

隶属资本包含未公然的准备金、财富重估准备金，一般准备金或呆帐准备金、混淆资本工具和长久次级债务。

5、借钱人或许第三人在不转财富据有权的情况下，将财富作为财权的担保称为质押。

（参照18 题）（ P114）担保贷款包含：抵押贷款、质押贷款和保证贷款。

抵押贷款是指以借钱人或第三者的财富作为抵押发放的贷款；质押贷款是指以借钱人或第三者的动产或权益作为质物发放的贷款。

抵押和质押的差别：抵押的财富不转移据有，质押的动产转移债权人据有。

6、在杠铃投资法中投资资本主要投放在短期证券和长久证券。

（P175）7、我国银行主要推行的组织形式是分行制。

（ P18）单调银行制是指那些不建立分支机构的商业银行，比方美联储（银行持股公司制）。

《商业银行经营学》练习题第一章导论一、名词说明商业银行：信誉中介：支付中介：格拉斯—斯蒂格尔法：分行制：持股公司制：流动性：银行制度：二、填空一、商业银行是以（）为目标，以（）为经营对象，（）的企业。

二、（）银行的成立，标志着现代商业银行的产生。

3、现代商业银行形成的途径有（）；（）。

4、各国商业银行的进展大体上是循着两种传统：（）和（）。

五、商业银行在现代经济生活中所发挥的功能要紧有（）、（）、（）、（）和（）。

六、股分制商业银行的组织结构包括（）、（）、（）和（）。

7、股分制商业银行的决策系统要紧有（）、（）、（）、和（）组成。

八、股分制商业银行的最高权利机构是（）。

九、股分制商业银行的最高行政长官是（）。

10、商业银行按资本所有权划分可分为（）、（）、（）和（）。

1一、商业银行按组织形式可分为（）、（）和（）。

1二、实行单元银行制的典型国家是（）。

13、商业银行经营治理的目标为（）、（）和（）。

14、对我国商业银行实施监管的机构是（）。

三、不定项选择１、商业银行进展至今，已有（）的历史。

Ａ１００年Ｂ２００年Ｃ３００年Ｄ５００年二、（）银行的成立，标志着现代商业银行的产生。

A英国 B英格兰 C丽如 D东方3、商业银行能够把资金从盈余者手中转移到欠缺者手中，使闲置资金取得充分利用。

这种功能被称为（）功能。

A信誉中介 B支付中介 C信誉制造 D金融效劳4、以下银行体制中，只存在于美国的是（）A分行制 B私人银行 C国有银行 D单元制五、我国商业银行的组织形式是（）A单元制银行 B分支行制银行 C银行控股公司 D连锁银行六、实行分支行制最典型的国家是（）Ａ美国Ｂ日本Ｃ法国Ｄ英国7、股分制商业银行的最高权利机构是（）。

A董事会 B股东大会 C监事会 D总领导八、银行业的兼并对其产生的优势是（）。

A扩大了规模 B有利于进行金融创新 C取得优势互补，拓展业务范围 D提高盈利能力九、对银行业增强监管的意义体此刻（）。

一、判定改错题一、商业银行可贷头寸即可用头寸减必要的库存现金及央行清算存款。

（）二、同业拆借属于商业银行被动欠债。

（）3、当利率灵敏性资产大于利率灵敏性欠债时，利率灵敏性缺口为负值。

（）4、现代租赁业务进展到成熟时期的标志是效劳性租赁。

（）5.远期外汇业务最重要的功能是获取盈利。

（）六、银行风险治理的第一步，也是最要紧的一步是要对风险作充分估量。

（）7.基础头寸=库存现金+ 中央银行逾额预备金。

（）8.以支付命令书取代支票，并能够自由转让流通的活期存款账户是CDs。

（）9.一般呆帐预备金的多少与贷款的实际质量有关。

（）10.当市场利率上升时，银行所持固定收入的金融工具的市场价值亦上升。

（）1一、银行在进行盈利资产定价时，最适宜选用的欠债本钱分析方式是加权平均本钱法。

（）12.备付金比率（存款资产比率）是反映商业银行资金实力的要紧财务比率指标。

（）13. 通常当贷款增加大于存款的增加时，流动性需求处于上升时期。

（）14.银行在经营租赁业务时，兼具承租人和出租人双重身份的业务是回租租赁。

（）15. 只要资本充沛，银行就没有倒闭的风险。

（）1六、发行股票时，股票实际销售价钱超过面值的溢价部份是商业银行资本组成中的留存盈余。

（）17.在利率灵敏性缺口治理中，资金负缺口的极值应在利率达到最低点显现。

（）18.商业银行进行证券投资的最正确投资种类是政府机构债券。

（）19.当市场利率呈下降趋势时，处于融资缺口为正的商业银行，其净利息收入亦呈下降趋势。

（）20.远期外汇业务最重要的功能是获取盈利。

（）2一、商业银行经营的平安性、流动性和盈利性之间老是一致的。

（）22.在商业银行的经营治理中，最直接、最方便的风险识别方式是风险树搜寻法。

（）23.在证券信誉品级、价钱等其他条件相同的情形下，利率风险与证券的归还期长短反比例转变。

（）24.一般呆帐预备金反映了评估日贷款的真实质量。

（）25.商业银行所持有的短时间有价证券资产属二级储蓄。

全国2014年4月高等教育自学考试商业银行业务与经营试题第一篇：全国2014年4月高等教育自学考试商业银行业务与经营试题绝密★考试结束前全国2014年4月高等教育自学考试商业银行业务与经营试题课程代码：00072请考生按规定用笔将所有试题的答案涂、写在答题纸上。

选择题部分注意事项：1．答题前，考生务必将自己的考试课程名称、姓名、准考证号用黑色字迹的签字笔或钢笔填写在答题纸规定的位置上。

2．每小题选出答案后，用2B铅笔把答题纸上对应题目的答案标号涂黑。

如需改动，用橡皮擦干净后，再选涂其他答案标号。

不能答在试题卷上。

一、单项选择题(本大题共20小题，每小题1分，共20分)在每小题列出的四个备选项中只有一个是符合题目要求的，请将其选出并将“答题纸”的相应代码涂黑。

错涂、多涂或未涂均无分。

1．历史上第一家股份制银行是A．花旗银行C．英格兰银行2．商业银行最基本的职能是A．金融服务C．信用创造3．单一银行制在以下哪个国家最为普遍?A．美国C．英国4．银行最高权力机构是A．股东大会C．监事会5．银行的资产负债表属于A．经营成果报表C．内部财务报表6．下列对RAROC评价法表述正确的是A．是国际上商业银行最为普遍采用的绩效评价方法B．其理论基础是股东必须获取一定收益以补偿投资风险C．是收益与VAR值的比值B.汇丰银行D．大通银行B．支付中介D．信用中介B．中国D．日本 B．董事会D．行长办公室 B．静态报表D．动态报表D．运用中考虑的成本费用少7．《巴塞尔协议》规定，核心资本与风险加权资产的比率不得低于A．2％C．8％8．在以下存款品种中，属于交易账户的是A．通知存款账户C．养老金存款账户9．商业银行证券投资的梯形期限法是A．将资金分别投放于短期和长期证券B．根据商业循环周期买卖证券C．将大部分资金投入长期证券和中期证券D．将资金平均投入各种期限的证券O．融资租赁的特征是A．租赁合同期限基本与设备耐用年限相同B．出租人负责设备维修和保养C．由出租人选定设备并出资购买D．租期届满，承租人必须将设备退回11．以下表外业务中，属于无风险业务的是．A．贷款承诺C．结算业务12．“票据发行便利”属于A．存款业务C．表外业务 B．借款业务D．证券投资 B．信用证D．远期利率协议 B．可转让支付命令账户 D．储蓄存款账户 B．4％D 10% 13．美国联邦国民抵押协会(FNMA)的主要业务是A．发放个人住房抵押贷款B．为抵押贷款提供担保C．充当商业银行抵押贷款业务的经纪人D．购买抵押贷款并以此为基础发行证券14．以下属于市场风险的是A．利率风险C．违约风险15．出口押汇属于A．国际结算C．外汇买卖16．所谓“卖方信贷”是指A．出口国银行向本国出口商提供贷款B．进口国银行向出口商提供贷款C．出口国银行向进口商提供贷款B．贸易融资D．项目贷款B．流动性风险D．经营风险D．出口国银行向进口国政府提供贷款17．如果银行以100元的价格购入一张票面收益率为10％的证券，如果在持有该证券期间，通货膨胀率为12％，则银行的实际收益率为A．-4％C．2％ B．-2％D．4％18．银行采用价格领导模型对贷款定价时，使用的优惠利率是A．银行同业拆借利率B．大额存款单利率C．对优质客户提供的流动资金贷款利率 D．国库券利率19．银行信托业务的特点是A．委托人同时也是受益人B．体现“受人之托，为人管业，代人理财”C．银行除收取手续费外，还能参与一部分收益分配D．主要业务品种是代理和咨询20．如果银行的利率敏感性缺口是负值，市场利率变化对银行净利息收入的影响是A．当利率上升时，净利息收入增加B．利率变化对净利息收入的影响不确定C．当利率下降时，净利息收入增加D．利率变化对净利息收入无影响二、多项选择题(本大题共10小题，每小题2分，共20分)在每小题列出的五个备选项中至少有两个是符合题目要求的，请将其选出并将“答题纸”的相应代码涂黑。

商业银行经营管理试题及答案商业银行是我国金融体系的重要组成部分，也是经济社会发展的重要支撑。

然而，随着市场竞争的日益激烈以及金融创新的不断涌现，商业银行的经营管理面临着诸多挑战。

本文将从商业银行的战略规划、风险管理以及创新发展这三个方面，阐述商业银行经营管理试题及答案。

一、战略规划商业银行的战略规划是指通过制定明确的目标和策略，为银行的长期经营发展提供指引。

在面对快速变化的市场环境和竞争态势下，商业银行如何进行战略规划是一个关键的问题。

1.试题：商业银行战略规划的核心是什么？答案：商业银行战略规划的核心是以客户为中心。

商业银行应该通过深入了解客户需求，提供个性化的金融服务，并构建稳定的客户关系。

只有在满足客户需求的基础上，才能实现银行与客户共赢的局面。

2.试题：商业银行战略规划的实施过程包括哪些环节？答案：商业银行战略规划的实施过程包括战略制定、战略实施和战略评估三个环节。

其中，战略制定阶段需要明确银行的使命、愿景和核心价值观，并制定相应的发展目标和策略；战略实施阶段需要将制定的战略目标转化为具体的行动计划，并通过组织、文化和技术等方面的支持来落实；战略评估阶段则需要对战略实施的效果进行监控和评估，及时调整和优化战略。

二、风险管理商业银行经营活动中面临着多种风险，如信用风险、市场风险、流动性风险等。

有效的风险管理是银行保持经营稳健的关键。

接下来将从风险识别、风险评估以及风险控制这三个方面来探讨商业银行的风险管理。

1.试题：商业银行风险管理的首要任务是什么？答案：商业银行风险管理的首要任务是风险识别。

银行需要通过内外部数据的收集与分析，确定并评估潜在的风险因素，包括可能的信用风险、市场风险和操作风险等。

只有在风险识别的基础上，才能制定相应的风险管理策略。

2.试题：商业银行风险评估的方法有哪些？答案：商业银行风险评估的方法包括定性评估和定量评估。

定性评估是通过专业的人员对相关因素进行判断和评估，例如评估某个客户的信用风险；而定量评估则是通过模型和统计方法对风险进行量化，例如使用VaR模型来评估市场风险。

第一章商业银行导论一、单项选择题（每个题目只有一个正确答案，请选择正确答案）1.银行业产生于（C）。

A．英国B．美国C．意大利D．德国2.最早设立股份制银行的国家（A）。

A．英国B．美国C．意大利D．德国3.1694年英国政府为了同高利贷做斗争，以满足新生的资产阶级发展工业和商业的需要，决定成立一家股份制银行是（A）。

A．英格兰银行B．曼彻斯特银行C．汇丰银行D．利物浦银行4.北宋真宗时，由四川富商发行的（A），成为我国早期的纸币。

A．交子B．汇票C．飞钱D．当票5.1897年在上海成立的（C），标志着中国现代银行的产生。

A．交通银行B．浙江兴业银行C．中国通商银行D．北洋银行6.最早到中国来的外国银行是（A）。

A．英商东方银行B．伦敦银行C．汇丰银行D．英格兰银行7.英国式的商业银行提供资金融通的传统方式主要有（A）。

A．短期为主B．长期为主C．债券D．股票8.现代商业银行的发展方向是（A）。

A．金融百货公司B．贷款为主C．吸收存款为主D．表外业务为主9.商业银行是以（B）为经营对象的信用中介机构。

A．实物商品B．货币C．股票D．利率10.商业银行的（D）被称为第一级准备。

A．贷款资产B．证券资产C．股票资产D．现金资产11.商业银行的性质主要归纳为以追求（B）为目标。

A．追求最大贷款额B．追求最大利润C．追求最大资产D．追求最大存款12.（C）是国家的金融管理当局和金融体系的核心，具有较高的独立性，它不对客户办理具体的信贷业务，不以营利为目的。

A．工商银行B．股份制银行C．中央银行D．专业银行13.（A）是商业银行最基本也最能反映其经营活动特征的的职能。

A．信用中介B．支付中介C．清算中介D．调节经济的职能14.金融市场上利率的变动使经济体在筹集或运用资金时可能遭受到的损失是指（A）。

A．国家风险B．利率风险C．信用风险D．流动性风险15.借贷双方产生借贷行为后，借款方不能按时归还贷款方的本息而使贷款方遭受损失的可能性是指（C）。

1、Fill in the Blank Questions(1)_______________________ is a newer service provided by bankswhere the bank lends money to individuals for the purchase of durable and other goods.(2)The loosening of government regulation and control of financialinstitutions is called ______ .(3)A bank which now offers all of the available financial services isknown as a __________bank.(4)A(n) buys and sells securities on behalf of their customersand for their own accounts. Examples of this type of financialservice provider include Merrill Lynch and Charles Schwab.(5)One tool that the Federal Reserve uses to control the money supply is___________. The Federal Reserve will buy and sell T-bills when they are using this tool of monetary policy. The federal bankregulatory agency which examines the most banks is the______________.(6)The short term securities of the bank, including T-Bills andcommercial paper, are often called __________________________ because they are the second line of defense to meet demands for cash.(7)A(n)__________________________ is a deposit account which paysan interest rate competitive with money market mutual funds andwhich generally has limited check writing ability. Answer: moneymarket deposit account(8)The investment maturity strategy which calls for the bank to have allof their investment assets in very long term maturities is known as the _________________________.(9)__________________________ can be held byindividuals and nonprofit institutions, bear interest and permit drafts from being written against the account to pay third parties.(10)The equity multiplier for a bank measures the amount of_____________________ of the bank and is one part of theevaluation of the bank's ROE.(11)__________________________ is the risk that the financialinstitution may not be able to meet the needs of depositors for cash. (12) A traditional measure of earnings efficiency is the__________________ or total interest income over total earnings assets less total interest expenses over total interest bearing bankliabilities. It measures the effectiveness of a firm’s intermediation function in the borrowing and lending of money.(13)The__________________ is the interest rate that equalizes thecurrent market price of a bond with the present value of the futurecash flows.(14)_________________________ is the difference betweeninterest-sensitive assets and interest-sensitive liabilities.(15)A(n)_________________________ allows the holder the rightto either sell securities to another investor (put) or buy securities from another investor (call) for a set price before the expiration date. (16)A(n)_________________________ is a contract where twoparties exchange interest payments in order to save money and hedge against interest rate risk.(17)_________________________ is the difference in interest rates(or prices) between the cash market and the futures market on anunderlying security.(18)A(n)_________________________ is where there is both aminimum and a maximum interest rate set on a loan.(19)A(n)_________________________ is where a borrower with alower credit rating enters into an agreement with a borrower with a higher credit rating to exchange interest payments.(20)A(n) _________________________ is a contingent claim of thebank that issues it. The issuing bank, in return for a fee, guarantees the repayment of a loan received by its customer or the fulfillment ofa contract made by its customer to a third party.(21) A relatively new type of credit derivative is a CDO which standsfor __________________.(22)24. Lenders can set aside a group of loans on their balance sheet,issue bonds and pledge the loans as collateral against the bonds in____________ . These usually stay on the bank’s balance sheet as liabilities.(23)Debt instruments issued by cities, states and other political entitiesand which are exempt from federal taxes are collectively known as _____________________ .(24)__________________ is the risk that the company whosebonds the financial institution owns may retire the entire issue ofcorporate bonds in advance of their maturity leaving the bank with the risk of earnings losses resulting from reinvesting the cash at lowerinterest rates.(25)The _________________________ is the total difference betweenits sources and uses of funds.(26)The oldest approach to meeting liquidity needs which relies on thesale of liquid assets to meet liquidity demands is called_________________________.(27)_________________________ are the stable base of depositedfunds that are not highly sensitive to movements in market interest rates and tend to remain with a depository institution.(28)When financial institutions tempt customers by paying postageboth ways in bank-by-mail services or by offering free gifts such as teddy bears, they are practicing ___________. When a customer ischarged based on the number and kinds of services used, with thecustomers that use a number of services being charged less or having some fees waived, this is called __________________ pricing. (29)__________________ is the amount in excess of par value paidby the bank's shareholders.(30)Core capital such as common stock, surplus, undivided profits,qualifying noncumulative preferred stock, etc. is referred to as__________________ capital as defined by the Basel agreement.(31)The largest component of capital among banks is ____________.(32)__________________ is long-term debt capital whose claimslegally follow claims of depositors.2、True/False Questions(1)According to the textbook, banks are those financial institutions thattoday offer the widest range of financial services of any business firm in the economy. Answer:(2)The role performed by banks in the economy in which they transformsavings into credit is known as the intermediation role. Answer: (3)The aging of the population means less savings in the economy forbanks to work with, according to the textbook. Answer:(4)Banks which offer virtually all financial services are known asuniversal banks. Answer:(5)In the United States, fixed fees charged for deposit insurance,regardless of how risky a bank is, led to a problem known as moral hazard.Answer:(6)When the Federal Reserve buys T-bills through its open marketoperations, it causes the growth of bank deposits and loans to decrease.Answer:(7)Loans and leases are financial outputs on a financial institution'sbalance sheet or Report of Condition. Answer:(8)Off balance sheet items for a bank are fee generating transactionswhich are not recorded on their balance sheet. Answer:(9)A bank's ROA equals its ROE times the ratio of total assets divided bytotal equity capital. Answer:(10)Eurocurrency deposits that some banks purchase as investmentsgenerally carry higher market yields than domestic time deposits issued by comparable-size U.S. banks. Answer:(11)In the textbook the ratio of pre tax net operating income to totaloperating revenues is described as a measure of the effectiveness of a financial insitution's expense-control efficiency. Answer:(12)represent securities a bank decides to sell becausethey have declined in value. Answer:(13)Usually the principal goal of asset-liability management is tomaximize or at least stabilize a bank's margin or spread. Answer: True (14) A liability-sensitive bank will experience an increase in its netinterest margin if interest rates rise. Answer:(15) A futures hedge against interest-rate changes generallyrequires a bank to take an opposite position in the futures market from its current position in the cash market. Answer:(16)The long hedge in financial futures contracts is most likely to beused in situations where a bank would suffer losses due to rising interest rates. Answer:(17)When a financial institution offers to sell financial futures contract,it is "going short" in futures and is agreeing to take delivery of certain kinds of securities on a stipulated date at a predetermined price.Answer:(18)The buyer of a loan participation must watch both the borrowerand the seller bank closely. Answer:(19)In a CMO, the different tiers (or tranches) of security purchasersface the same prepayment risk. Answer:(20)Most loans that banks sell off their balance sheets carry interestrates that usually are connected to long-term interest rates (such as the 30-year Treasury bond rate). Answer:(21)Prepayment risk on securitized assets generally increases wheninterest rates rise. Answer:(22)When a bank irrevocably guarantees a commercial paper issue,the bank's credit rating substitutes for the borrower's credit rating.Answer:(23)Borrowed liquidity (liability) management is less risky for afinancial institution than is asset conversion. Answer:(24)Most liquidity problems in banking arise from inside a bank, notfrom its customers. Answer:(25)Deposits owned by commercial banks and held with other banksare called correspondent deposits. Answer:(26)The number one factor households consider in selecting a bank tohold their checking account is, according to recent studies cited in this chapter, low fees and low minimum balance. Answer:(27)When a bank temporarily offers higher than average interest ratesor lower than average customer fees in order to attract new business they are practicing conditional pricing. Answer:(28)One fundamental purpose for regulating capital is to limitlosses to the federal government arising from deposit insurance claims.Answer: True(29)If a financial institution makes an offsetting sale and purchase ofthe same futures contract, it has no obligation either to deliver or take delivery of the contract. Answer:(30)Under the international capital (Basel) agreement Tier 2 capitalmust be raised to a minimum of 4 percent of risk-weighted assets.Answer:(31)Recent research suggests that interest-rate contracts displayconsiderably less risk exposure than do foreign-currency contracts. Answer:（32）Recent research suggests that interest-rate contracts display considerably less risk exposure than do foreign-currency contracts. Answer:3、Multiple Choice Questions(1)Drew Davis goes to his local bank to get help developing a financial plan and making investment decisions. Which of the more recent services banks offer is Drew taking advantage of ?A) Getting a consumer loanB) Getting financial adviceC) Managing cashD) Getting venture capital servicesE) Buying a retirement planAnswer:(2) Jonathan Robbins has a bank account in a bank that does not have a physical branch. Jonathan does all of his banking business over theinternet. What type of bank does Jonathan have his account at?A) Virtual BankB) Mortgage BankC) Community BankD) Affiliated BankE) None of the aboveAnswer:(3) Banks are regulated for which of the reasons listed below?A) Banks are leading repositories of the public's savings.B) Banks have the power to create money.C) Banks provide businesses and individuals with loans that support consumption and investment spending.D) Banks assist governments in conducting economic policy, collecting taxes and dispensing government payments.E) All of the above.Answer:(4) The equivalent of the Federal Reserve System in Europe is known as the:A) European UnionB) Bank of LondonC) Basle GroupD) European Central BankE) Swiss Bank CorporationAnswer:(5) A financial institution's bad-debt reserve, as reported on its balance sheet, is called:A) Unearned income or discountB) Allowance for possible loan lossesC) Intangible assetsD) Customer liability on acceptancesE) None of the aboveAnswer:(6)Nonperforming loans are credits on which any scheduled loan repayments and interest payments are past due for more than:A) 30 daysB) 60 daysC) 90 daysD) 180 daysE) None of the above.Answer:(7)The so-called employee productivity ratio for a bank is equal to:A) Net operating revenue less total interest expenses per employee.B) Total interest and noninterest expense per employeeC) Net operating income per full-time-equivalent employeeD) Total operating earnings less salaries and wages expense per employee.E) None of the above.Answer:（8）Packages of high-quality mortgages put together either by a government agency or by a private investment banking corporation to raise more loanable funds for the issuer are known as a (or an):A) Accretion bondB) Participation certificateC) CMOD) Stripped securityE) Commercial paperAnswer:(9)Which of the following would be the best example of a ratio used to examine the bank's interest rate risk?A) Demand deposits/ total assetsB) Interest on time deposits/ total time depositsC) Interest on real estate loans/ total real estate loansD) Interest sensitive assets/ interest sensitive liabilitiesAnswer:(10)A bank is asset sensitive if its:A) Loans and securities are affected by changes in interest rates.B) Interest-sensitive assets exceed its interest-sensitive liabilities.C) Interest-sensitive liabilities exceed its interest-sensitive assets.D) Deposits and borrowings are affected by changes in interest rates.E) None of the above.Answer:（11）80. The realized return to a bank from a combined cash and futures market trading operation is composed of which of the following elements:A) Return earned in the cash market.B) Profit or loss from futures trading.C) Difference between the opening and closing basis between cash and futures markets.D) All of the above.E) B and C only.Answer:(12) A bond has a face value of $1000 and five years to maturity. This bond has a coupon rate of 13 percent and is selling in the market today for $902. Coupon payments are made annually on this bond. What is the yield to maturity (YTM) for this bond?A) 13%B) 12.75%C) 16%D) 11.45%E) Cannot be calculated from the information givenAnswer:(13)An option buyer can:A) Exercise the option.B) Sell the option to another buyer.C) Allow the option to expire.D) All of the above.E) A and B only.Answer:(14)A put option would most likely be used to:A) Protect fixed-rate loans and securities.B) Protect variable-rate loans and securities.C) Offset a positive interest-sensitive gap.D) Offset a negative interest-sensitive gap.E) None of the above.Answer:(15)A financial institution that buys a put option:A) Has the right to accept delivery of the underlying security at the contract price if they wishB) Has the right to make delivery of the underlying security at the contract price if they wishC) Is obligated to accept delivery of the underlying security at the contract priceD) Is obligated to make delivery of the underlying security at the contract priceAnswer:(16)Loan-backed securities, which closely resemble traditional bonds, carry various forms of credit enhancements, which may include all of the following, EXCEPT:A) Credit letter guaranteeing repayment of the securities.B) Set aside of a cash reserve.C) Division into different risk classes.D) Early payment clauses.E) None of the above.Answer:(17)When two banks simply agree to exchange a portion of their customers' loan repayments, they are using:A) A credit optionB) A standby letter of creditC) A credit linked noteD) A credit swapE) None of the aboveAnswer:（18）According to the textbook, the most popular option contracts used by banks today include:A) Federal Funds futures contracts.B) Eurodollar time deposit futures contracts.C) U.S. Treasury bond futures contract.D) All of the above.E) None of the above.Answer:(19)Principal roles that a financial institution's investment portfolio play include which of the following?A) Income stabilityB) Geographic diversificationC) Hedging interest rate riskD) Backup liquidityE) All of the aboveAnswer:(20)Which of the following statements is (are) correct regarding duration?A) In comparing two bonds with the same yield to maturity and the same maturity, a bond with a higher coupon rate will have a longer duration.B) In comparing two loans with the same maturity and the same interest rate, a fully amortized(分期付款) loan will have a shorter duration than a loan with a balloon payment（付款的最后一笔较大）.C) The duration will always be shorter than the maturity for all debt instruments.D) All of the aboveE) B and CAnswer:（21） A bank expects in the week about to begin $30 million in incoming deposits, $20 million in deposit withdrawals, $15 million in revenues from the sale of nondeposit services, $25 million in customer loan repayments, $5 million in sales of bank assets, $45 million in money market borrowings, $60 million in acceptable loan requests, $10 million in repayments of bank borrowings, $5 million in cash outflows to cover other operating expenses, and $10 million in dividend payments to its stockholders. This bank's net liquidity position for the week is:A) $30 millionB) $20 millionC) $10 millionD) $15 millionE) None of the aboveAnswer:（22）Financial institutions face significant liquidity problems because of:A) Imbalances between the maturities of their assets and their principal liabilities.B) Their high proportion of liabilities subject to immediate withdrawal.C) Their sensitivity to changes in interest rates.D) Both A and BE) All of the above.Answer:（23）A bank determines from an analysis on its deposits that account processing and other operating expenses cost the bank $3.95 per month. It has also determined that its non operating expenses on its deposits are $1.35 per month. The bank wants to have a profit margin which is 10 percent of monthly costs. What monthly fee should this bank charge on its deposit accounts?A) $5.30 per monthB) $3.95 per monthC) $5.83 per monthD) $5.70 per monthE) None of the aboveAnswer:（24）Suppose a bank has an asset duration of 5 years and a liability duration of 2.5 years. This bank has $1000 million in assets and $750 million in liabilities. They are planning on trading in a Treasury bond future which has a duration of 8.5 years and which is selling right now for $99,000 for a $100,000 contract. How many futures contracts does this bank need to fully hedge itself against interest rate risk?A) 3714 contractsB) 3125 contractsC) 2971 contractsD) 371 contractsE) None of the aboveAnswer:（25） A bank quotes an APY of 8%. A small business that has an account with this bank had $2500 in their account for half the year and $5000 in their account for the other half of the year. How much in total interest earnings did this bank make during the year?A) $300B) $200C) $400D) $150E) None of the aboveAnswer:（26）An account at a bank that carries a fixed maturity date with a fixed interest rate and which often carries a penalty for early withdrawal of money is called:A) Demand depositB) Transaction depositC) Time depositD) Money market mutual depositE) None of the aboveAnswer:（27）The risk that a customer the bank has entered into a contract with will fail to pay or to perform, forcing the bank to find a replacement contract that may be less satisfactory is what form of risk listed below?A) Counterparty riskB) Interest-rate riskC) Operating riskD) Credit riskE) Liquidity riskAnswer:（28）A bank has a profit margin of 5 percent, an asset utilization ratio of 11 percent , an equity multiplier of 12 and a retention ratio of 60 percent. What is this bank's ICGR?A) 6.6 percentB) 3.96 percentC) 7.2 percentD) .33 percentE) None of the aboveAnswer:（29）A bank has $200 million in assets in the 0 percent risk-weight category. It has $400 million in assets in the 20 percent risk-weight category. It has $1000 million in assets in the 50 percent risk-weight category and has $1000 million in assets in the 100 percent risk-weight category. This bank has $96 million in Tier 1 capital and $48 million in Tier 2 capital. What is this bank's ratio of Tier 1 capital to risk assets?A) 6.08 percentB) 3.04 percentC) 9.11 percentD) 5.54 percentE) None of the aboveAnswer:（30）The Sheets Savings and Loan Association has purchased a bond that has a coupon rate of 7.5% and a face value of $1000. It has 5 years to maturity and is selling in the market for $1063. The bond makes annual coupon payments. What is the duration of this bond?A) 7.50 yearsB) 5.00 yearsC) 4.65 yearsD) 4.37 yearsE) None of the aboveAnswer:（31）A bank determines from an analysis on its deposits that account processing and other operating expenses cost the bank $4.45 per month. The bank has also determined that nonoperating expenses on deposits are $1.15 per month. It has also decided that it wants a profit of $.45 on its deposits. What monthly fee should this bank charge on its deposit accounts?A) $6.05B) $5.60C) $5.15D) $4.45E) None of the aboveAnswer:（32）Second National Bank is forecasting a return on equity of 15 percent for this year. The board of directors wants to maintain its current policy of paying the bank's stockholders 40 percent of any net earnings the bank will earn. How fast can the bank's assets grow this year without jeopardizing its ratio of capital to assets?A) 15 percent.B) 9 percent.C) 8 percent.D) 6 percent.E) None of the aboveAnswer:（33）A bank has issued $5,000,000 in long term debt and since that time interest rates have risen so that it will only cost the bank $3,000,000 to buy the long term debt back. The bank decides to issue $3,000,000 in new stock and use the proceeds to retire the long term debt. What way of meeting their capital needs is the bank taking?A) Issuing common stockB) Issuing preferred stockC) Issuing subordinated notes and debenturesD) Selling assets and leasing facilitiesE) Swapping stock for debt instrumentsAnswer:4、Short Answer(1)The term bank has been applied broadly over the years to include a diverse set of financial-service institutions, which offer different financial service packages. Identify as many of the different kinds of “banks” asyou can. How do the “banks” you have identified compare to the largest banking group of all –the commercial banks? Why do you think so many different financial firms have been called banks? How might this terminological confusion affect financial-service customers?(2)What is monetary policy?(3)What factors influence the stock price of a financial-services corporation?(4) What makes it so difficult to correctly forecast interest rate changes?(6)What is a long hedge in financial futures? A short hedge?(7)What advantages do sales of loans have for lending institutions trying to raise funds?(8)What is a credit swap? For what kinds of situations was it developed?（9）How do credit options work? What circumstances result in the option contract paying off?(10)What kinds of assets are most amenable to the securitization process?(11)What are the principal sources from which the supply of liquidity comes?（12）Suppose a bank wishes to sell $150 million in new deposits next month. Interest rates today on comparable deposits stand at 8 percent, but are expected to rise to 8.25 percent next month. Concerned about the possible rise in borrowing costs, management wishes to use a futures contract. What type of contract would you recommend? If the bank does not cover the interest rate risk involved, how much in lost potential profits could the bank experience?(13)Which deposits are the least costly for depository institutions? The most costly?(14)What are the most significant differences between Basel I and Basel II? Explain the importance of the concepts of internal risk assessment, V AR, and market discipline（15）Posner State Bank borrows $10 million in primary credit from the Federal Reserve Bank of Cleveland. Can you show the correct entries for the granting and repaying this loan?The proper entries are:Step 1 - Securing a Loan from the Fed.Posner State BankFederal Reserve Bank of ClevelandStep 2 - Repaying the Loan to the Fed.Posner State BankFederal Reserve Bank of Cleveland（16）Suppose that a bank has a rate of return on equity capital of 12 percent and its retention ratio is 35 percent. How fast can this bank's assets grow without reducing its current ratio of capital to assets? Suppose that the bank's earnings (measured by ROE) drop unexpectedly to only two-thirds of the expected 12 percent figure. What would happen to the bank's ICGR?（17）What are the most significant differences between Basel I and Basel II? Explain the importance of the concepts of internal risk assessment, V AR, and market discipline5、Calculation(1)Suppose a bank has an allowance for loan losses of $1.25 million at the beginning of the year, charges current income for a $250,000 provision for loan losses, charges off worthless loans of $150,000, and recovers $50,000 on loans previously charged off. What will be the balance in the bank's allowance for loan losses at year-end?(2) Suppose a bank has an ROA of 0.80 percent and an equity multiplier of 12x. What is its ROE? Suppose this bank's ROA falls to 0.60 percent. What size equity multiplier must it have to hold its ROE unchanged?(3)Suppose that a thrift institution has an average asset duration of 2.5 years and an average liability duration of 3.0 years. If the bank holds total assets of $560 million and total liabilities of $467 million, does it have a significant duration gap? If interest rates rise, what will happen to the value of the bank's net worth?(4) A bank plans to borrow $55 million in the money market at a current interest rate of 4.5 percent. However, the borrowing rate will float with market conditions. To protect itself the bank has purchased an interest-rate cap of 5 percent to cover this borrowing. If money market interest rates on these funds suddenly climb to 5.5 percent as the borrowing begins, how much in total interest will the bank owe and how much of an interest rebate will it receive assuming the borrowing is only for one month?(5) Suppose a corporate bond an investment officer would like to purchase for her bank has a before-tax yield of 8.98 percent and the bank is in the 35 percent federal income tax bracket. What is the bond's after-tax gross yield? What after tax rate of return must a prospectiveloan generate to be competitive with the corporate bond? Does a loan have some advantages for a lending institution that a corporate bond would not have?A prospective loan must generate a comparable yield to that of the bond to be competitive. However, granting a loan to a corporation may have the added advantage of bringing in additional service business for the bank that merely purchasing a corporate bond would not do. In this case the bank would accept a somewhat lower yield on the loan compared to the bond in anticipation of getting more total revenue from the loan relationship due to the sale of other bank services.(6) Suppose that a thrift institution’s liquidity division estimates that it holds $19 million in hot money deposits and other IOUs against which it will hold an 80 percent liquidity reserve, $54 million in vulnerable funds against which it plans to hold a 25 percent reserve, and $112 million in stable or core funds against which it will hold a 5 percent liquidity reserve. The thrift expects its loans to grow 8 percent annually; its loans currently stand at $117 million, but have recently reached $132 million. If reserve requirements on liabilities currently stand at 3 percent, what is this depository institution’s total liquidity requirement?。

商业银行经营学第二章一、单项选择题（每个题目只有一个正确答案，请选择正确答案）1. 发行优先股对商业银行的不足之处不包括（）。

A．股息税后支付，增加了资金成本B．总资本收益率下降时，会发生杠杆作用，影响普通股股东的权益C．不会稀释控制权D．可以在市场行情变动时对优先股进行有利于自己的转化，增大了经营的不确定性2. 一旦银行破产、倒闭时，对银行的资产的要求权排在最后的是（）。

A．优先股股东B．普通股股东C．债权人D．存款人3. 发行普通股对商业银行的不足之处不包括（）。

A．发行成本比较高B．对商业银行的股东权益产生稀释作用C．资金成本总要高于优先股和债券D．总资本收益率下降时，会发生杠杆作用4. 资本盈余是指发行普通股时发行的实际价格高于（）的部分A．发行的预计价格B．票面价值C．实际价值D．每股净资产5. 下列各项不属于发行资本债券特点的有（）。

A．不稀释控制权B．能大量发行，满足融资需求C．利息税前支付，可降低税后成本D．利息固定，会发生杠杆作用6. 资本与总资产比率和资本与存款比率相比，克服了（）的不足。

A．没考虑资金运用B．没反映银行资产结构C．没考虑风险D．没考虑商业银行经营管理水平7. 下列关于纽约共识的说法中正确的有（）。

A．它根据商业银行资本风险程度的不同，将全部资本分做六类B．其中的无风险资产包括：库存现金、同业拆借、国债、优质商业票据等C．亏损了的资产或固定资产也叫有问题资产，需要100%的资本保证D．商业银行只要将各类资产额分别乘以各自的资本资产比率要求，并进行加总，便可以求得商业银行所需的最低资本量8. 下列各项不属于综合分析法特点的有（）。

A．非数量性B．不确定性C．繁琐D．客观性9. 下列各项不属于非公开储备特点的有（）。

A．是指不在银行的资产负债表上公开标明的储备B．包括在核心资本中C．与公开储备具有相同的质量D．可以自由、及时地被用于应付未来不可预见的损失10. 下列关于资本需要量的说法中正确的是（）。

童年读后感600字（通用74篇）童年读后感600字（通用74篇）当认真看完一本名著后，相信大家都积累了属于自己的读书感悟，不能光会读哦，写一篇读后感吧。

为了让您不再为写读后感头疼，以下是小编帮大家整理的童年读后感600字，供大家参考借鉴，希望可以帮助到有需要的朋友。

童年读后感600字篇1今天我读童年有感，高尔基的童年写出自己当时的悲惨遭遇，想起我觉得自己是幸运的，起码我比他幸福。

因为作者3岁时，父亲病故，而自己的母亲就带他回娘家。

可惜外公是个自私、贪婪而又专横的业主，残酷剥削雇工，放利贷，但是资本主义俄国的发展打断外公的发财梦，从此破产以至于贫困潦倒。

舅舅们勾心斗角、尔虞我诈。

为钱，为个人的利益，明里争，暗里斗，没有私毫手足之情，可怜的母亲改嫁之后，生病而死，十一岁的作者被外公残忍地赶出家门，到社会上自谋生路……主要是写出自已苦难的童年，鸟的翅膀不历经风雨童年时代的高尔基生活在这样黑暗的社会中，这是他的不幸，但是使他磨炼一身坚强的意志，这为他长大成人后遇到困难不屈服奠定基础。

在社会生活中，每一个学生都会在不经意间想起自己的童年，想想那时是多么的美好。

都想回到那时。

可是时间是不会倒退的，只有离儿时越远。

我有时就像，如果时间停在学四年级是多么的好啊。

可是这不是真的，只是自己的虚想罢！童年充满着欢乐，童年到处是温暖，童年是值得回忆的相机，有着老师热心地传授知识，同学们互相探讨，我们像一棵棵树苗，在接受春风雨露的滋润——吸取更多更好的知识，茁壮成长。

在这知识的海洋中，我们结束快乐的童年，开始走向成熟。

总结像我们现在与高尔基的童年比起来，我们是多么幸福，又是多么奢侈呀。

我们应该向高尔基学习，不管在多么恶劣的环境下，都要好好学习，努力奋斗，朝着美好的未来不断前进。

，我们一定也会有比高尔基更美好的未来，让我们一起好好学习吧！让我们去珍惜现在的一切吧！童年读后感600字篇2我读过一本书，叫做《童年》，童年讲述的是一个孩子童年的时光。

商业银行经营学题型：名词解释，填空（20*1），单选（10*1.5），多选（5*3），简答（4*5），计算（2*10），论述（1*10）《商业银行经营学》练习题第一章导论一、名词解释商业银行信用中介持股公司制银行制度二、填空1、商业银行是以（）为目标，以（）为经营对象，（）的企业。

2、（）银行的成立，标志着现代商业银行的产生。

3、现代商业银行形成的途径有（）；（）。

4、各国商业银行的发展基本上是循着两种传统：（）和（）。

5、商业银行在现代经济生活中所发挥的功能主要有（）、（）、（）、（）和（）。

6、股份制商业银行的组织结构包括（）、（）、（）和（）。

7、股份制商业银行的决策系统主要有（）、（）、（）、和（）构成。

10、商业银行按资本所有权划分可分为（）、（）、（）和（）。

11、商业银行按组织形式可分为（）、（）和（）。

12、实行单元银行制的典型国家是（）。

13、商业银行经营管理的目标为（）、（）和（）。

14、对我国商业银行实施监管的机构是（）。

三、不定项选择１、商业银行发展至今，已有（）的历史。

Ａ１００年Ｂ２００年Ｃ３００年Ｄ５００年2、（）银行的成立，标志着现代商业银行的产生。

A英国B英格兰C丽如D东方3、商业银行能够把资金从盈余者手中转移到短缺者手中，使闲置资金得到充分利用。

这种功能被称为（）功能。

A信用中介B支付中介C信用创造D金融服务4、下列银行体制中，只存在于美国的是（）A分行制B私人银行C国有银行D单元制5、我国商业银行的组织形式是（）A单元制银行B分支行制银行C银行控股公司D连锁银行6、实行分支行制最典型的国家是（）Ａ美国Ｂ日本Ｃ法国Ｄ英国7、股份制商业银行的最高权利机构是（）。

A董事会B股东大会C监事会D总经理五、问答1、什么是商业银行？它有哪些功能？2、简述商业银行在国民经济活动中的地位。

3、建立商业银行体系的基本原则有哪些？为什么要确立这些原则？4、商业银行经营原则有哪些？如何贯彻这些原则？5、为什么要对商业银行进行监管？如何改善这些监管？第二章商业银行资本一、名词解释普通股优先股资本盈余留存盈余核心资本附属资本银行资本充足性风险加权资产风险加权表外项目三、不定项选择1、按照巴塞尔协议的要求，商业银行的资本充足率至少要达到（）。

《商业银行经营学》复习自测题参考答案一、单项选择题1、A2、B3、B4、C5、B6、B7、C8、D9、A 10、A11、A 12、D13、D14、B15、B 16、B 17、A18、D 19、C20、A21、B22、A23、A24、D25、B 26、A27、B28、D 29、C30、A31、D32、C33、D34、B35、A36、B 37、B38、D 39、C40、C二、多项选择题1、ABCD2、ABC3、BCD4、ABCD5、ABCD6、ABC7、ABC8、ABD9、CD 10、ABCD11、AB 12、ABD 13、AD 14、ABCD 15、ABC 16、BCD17、ACD 18、ABCD 19、ABCD 20、ABC21、ABCD22、ABD23、ACD24、ABCD25、ABC 26、AD27、ABC28、ACD29、ABC 30、BC 31、ABC 32、BD 33、BC 34、BCD 35、CD 36、ABCD37、ABCD38、ABCD39、ABC40、BC三、判断题1、B2、A3、A4、B5、B6、A7、A8、B9、A 10、B11、A12、B13、B14、B15、A16、A 17、B18、A19、A20、B21、A 22、A 23、B 24、A 25、B 26、A 27、B 28、B 29、B 30、A31、B 32、A 33、B34、A35、A36、B37、B38、A39、A40、B四、简答题1、商业银行在国民经济中的地位。

答：（1）商业银行已成为国民经济活动的中枢（2）商业银行的业务活动对全社会的货币供给具有重要影响（3）商业银行成为社会经济活动的信息中心（4）商业银行成为国家实施宏观经济政策的重要途径和基础（5）商业银行成为社会资本运动的中心2、影响贷款价格的主要因素。

答：（1）信贷资金的供求状况、（2）资金成本（3）贷款风险程度（4）贷款费用（5）借款人的信用及与银行的关系（6）银行贷款的目标收益率3、商业银行提高资本充足率的策略。

商业银行经营学试题一、名词解释1、商业银行；2、信用中介；3、支付中介；4、信用创造；5、单一银行制；6、分支银行制；7、集团银行制。

8、流动性；9、资产管理理论；10、负债管理理论；11、一级储备；12、二级储备。

13、内部控制机制；14、分业经营；15、金融创新；16、资产证券化；17、银行监管。

18、银行资本；19、核心资本；20、附属资本；21、资本充足度22、外源资本；23、内源资本；24、债务资本；25、持续增长率。

26、负债业务；27、存款成本；28、存款沉淀率；29、存款工具创新30、同业拆借；31、转贴现；32、转抵押；33、再贴现；34、再贷款；35、回购协议36、负债成本；37、营业成本；38、资金成本；39、可用资金成本40、现金资产；41、库存现金；42、法定存款准备金；43、超额准备金；44、资金头寸；45、基础头寸；46、可用头寸；47、可贷头寸48、贷款承诺费；49、补偿余额；50、信用贷款；51、担保贷款；52、保证贷款；53、抵押贷款；54、质押贷款；55、抵押率；56、票据贴现57、国家债券；58、公司债券；59、商业票据；60、分散投资法；61、梯形投资法；62、杠铃投资法63、中间业务64、银行本票65、代理融通66、保付代理67、贷记卡68、表外业务69、票据发行便利70、远期利率协议71、互换业务72、金融期货交易73、贷款承诺74、进出口融资75、银团贷款76、打包贷款77、出口押汇78、流动性风险79、存储流动性80、同业拆借净值率81、流动性缺口82、利率风险83、资金缺口84、缺口管理85、利率敏感性资金96、久期87、偿还期88、客户风险89、信用分析90、贷款分类91、资产负债表92、损益表93、现金流量表94、银行业绩评价95、ROA96、ROE97、杜邦分析法二、简答题1、简述商业银行的形成和发展。

2、什么是商业银行？它有哪些功能？3、简述商业银行的组织结构。

14年商业银行经营学试题（含答案两套题）二、不定项选择题：（共20分，每小题2分）1、商业银行的功能有（）。

A、信用中介B、支付中介C、信用创造D、金融服务E、表外业务的创新2、银行增发（），原有股东对银行经营的控制权会有所减弱。

A、优先股B、资本期票C、资本债券D、普通股3、存款是商业银行的（）。

A、资本负债B、主动负债C、被动负债D、同业负债4、下列指标中属于负债程度比率的是（）。

A、流动比率B、负债资本比率C流动负债比率D、应收账款周转率E、存货周转率5、在经营实践中，银行会努力使其存款总量和成本之间保持哪几种组合（）。

A、逆向组合模式B、同向组合C、总量单向变化模式D、成本单向变化模式6、商业银行在经营中面临的信用风险是指（）。

A、由各种自然灾害、意外事故等引起的风险B、由于激烈的同业竞争带来的风险C、由于债务人无法清偿债务而使银行蒙受损失的风险D、由于市场利率变化带来的风险7、由于市场利率变动的不确定性所导致的银行金融风险是（）。

A、信用风险B、流动性风险C、利率风险D、操作性风险8、负债是商业银行最基本的业务，其作用具体表现为（）。

A、是银行经营的先决条件B、保持银行流动性的手段C、构成社会流通中的货币量D、同社会各界联系的主要渠道E、银行业竞争的焦点9、在负债总量一定下商业银行的负债成本主要受（）等因素影响。

3—2A、营业成本B、利息成本C、负债数量D、可用资金成本E、负债结构10、商业银行接受委托代办一些经双方议定的经济事务的业务称为（）。

A、支付结算B、代理业务C、租赁D、咨询业务二、不定项选择题：（共20分，每小题2分）1、ABCD；2、D；3、C；4、BC；5、AC；6、C；7、C；8、ABCDE；9、ABDE；10、B。

二、不定项选择题（下面各题所给的备选答案至少有一项是正确的，Array将正确答案的字母填入括号，多选或少选均不得分。

每小题2分共20分）1.商业银行结算的原则有（ABC）A. 恪守信用，履约付款B. 谁的钱进谁的账，由谁支配C. 银行不垫款D. 单位和个人办理结算业务，不准出租账户E. 不准签发空头支票2. 信托业务主要有（ABCDE）A. 信托存款B. 信托贷款C. 金融租赁D. 代理业务E. 经济咨询3.按照贷款五级分类法，属于不良贷款的贷款种类为（BCD）A.关注类贷款B.次级类贷款C.可疑类贷款D.损失类贷款4.商业银行来自投资活动的现金流出项目是（B）A.再贴现B.发行金融债券C.向客户发放贷款D.支付员工工资5．商业银行保持现金资产的目的是(AD)。

装题订线内不学习形式：脱产 . 夜大 . 函授 . 年级： 专业： 学号： 姓名：答要《商业银行经营学》试题闭卷答题 时间:30分钟一、单项选择题（本大题共 10 小题，每小题 2 分，共 20 分）1. 根据《巴塞尔协议》具体实施要求，国际大银行的资本对风险资产比率应达到( ) 以上。

A ． 1.2 5 % B. 4% C . 8% D. 50%2. 如某银行在 2 月 7 日 （星期四） 13 日 至 （星期三） 期间的非交易性存款平均余额为 50 000 万元，按照 8%的存款准备金率，问该行在 2 月 21日到 27 日这一周中应保持的准备金平均 余额为多少万元。

（ ） A ．4000 B. 50000 C . 46000 D. 20003． 某商业银行总资产 1000 万元，负债 800 万元，其财务杠杆比例是（ ） 。

A ．2.5 B. 5 C . 8 D. 104．《巴塞尔协议》 将银行的票据发行便利额度和循环承购便利函业务的信用风险转换系数定 为 （ ） 。

A ．100%B ．50%C . 20% D.0%5．我国商业银行法规定银行的贷款/存款比率不得超过（ ） 。

A ．100% B ．75% C ．50% D ．25%6．甲企业将一张金额为 1000 万元，还有 36 天才到期的银行承兑汇票向一家商业银行申请 贴现，假设银行当时的贴现率为 5%，甲企业得到的贴现额是（ ） 。

A. 1000 万元B. 995 万元C. 950 万元D. 900 万元7.商业银行存放同业款项主要是为了 （ ）。

A. 获取利息B. 流动性准备C. 投资准备D.支付代理收付费用8.那些稳定性强、对市场利率和外部因素变化反应不敏感的存款是指 （ ） A 、活期存款 B 、个人存款 C 、易变性存款 D 、核心存款9.商业银行在需要资金时，可将收进的未到期的票据向其他商业银行转让，这种资金融通行为称为（ ）。

商业银行经营学试卷及答案商业银行经营学试卷及答案Revised by Jack on December 14,2020商业银行经营学试卷(A)一、单项选择题（本大题共6小题，每小题2分，共12分）1. 根据《巴塞尔协议》具体实施要求，国际大银行的资本对风险资产比率应达到(C ) 以上。

A． 5 % B. 4% C . 8% D. 50%2. 如某银行在2月7日（星期四）至13日（星期三）期间的非交易性存款平均余额为50 000万元，按照8%的存款准备金率，问该行在2月21日到27日这一周中应保持的准备金平均余额为多少万元。

（A）A．4000 B. 50000 C . 46000 D. 20003．某商业银行总资产1000万元，负债800万元，其财务杠杆比例是（ B ）。

A． B. 5 C . 8 D. 104．《巴塞尔协议》将银行的票据发行便利额度和循环承购便利函业务的信用风险转换系数定为（ B ）。

A．100% B．50% C . 20% %5．我国商业银行法规定银行的贷款/存款比率不得超过（ B ）。

A．100% B．75% C．50% D．25%6．甲企业将一张金额为1000万元，还有36天才到期的银行承兑汇票向一家商业银行申请贴现，假设银行当时的贴现率为5%，甲企业得到的贴现额是（B ）。

正确答案：B 注：1000（1-5%×36/360） =995 万元A. 1000万元B. 995万元C. 950万元D. 900万元二、判断题(正确打“”，错误打“”；每小2题分，共10分)1. 大额可转让定期存单存款的主要特点是稳定且资金成本较低。

( )2.一般来说银行财务杠杆比率越高，其投资风险越小。

( )3. 当市场利率上升时，银行所持固定收入的金融工具的市场价值亦上升。

( )4. 银行关注类贷款与可疑贷款一样，均属于不良贷款范畴。

( )5. 商业银行可贷头寸即可用头寸减必要的库存现金及央行清算存款。

计算题一、资本充足率表内风险资产＝∑表内资产额×风险权数表外风险资产＝∑表外资产×信用转换系数×表内相对性质资产的风险权数实施要求：国际大银行的资本对风险资产比率应达到8%以上，其中核心资本至少要占总资本的50%，即一级资本比率不应低于4%。

附属资本内普通贷款准备金不能高于风险资产的1.25%，次级长期债务的金额不得超过一级资本的50%。

例题1表内加权风险资产总额=75*0%+300*0%+75*20%+75*50%+975*100%=1027.5（万元）表外加权风险资产总额=150*100%*20%+300*50%*100%=180（万元）加权风险资产总额=1027.5+180=1207.5（万元）因为总资本充足率=100/1207.5*100%≈8.28%＞8%所以，该行的资本充足。

《新巴塞尔资本协议》的最低资本要求1.核心资本（一级资本）与风险加权资产的比率不得低于4%，即：核心资本比率＝核心资本/风险加权资产×100%＝核心资本/（信用风险加权资产＋12.5×市场风险＋12.5×操作风险）×100% ≥4%2.总资本（一级和二级资本之和）与风险加权资产的比率不得低于8%，二级资本最高不得超过一级资本的100%。

总风险资本比率（资本充足率）＝总资本/风险加权资产×100%＝（核心资本＋附属资本）/（信用风险加权资产＋12.5×市场风险＋12.5×操作风险）×100%≥8%其中，作为二级资本的次级债务和中期优先股的总额不得超过一级资本的50%，例题2 按已知某银行的核心资本为67.5万美元，附属资本为30万美元，信用风险加权资产为875万美元，市场风险的资本要求为10万美元，操作风险的资本要求为20万美元。

请根据巴塞尔新资本协议的要求，计算该银行的全部资本充足率和核心资本充足率，并分析资本充足情况。