商业银行管理第2次作业
兰大《商业银行经营与管理》22春平时作业二
《商业银行经营与管理》22春平时作业2-000011.政府发行的短期债券不具有（）特点。
选项A：风险大选项B：流动性强选项C：期限短选项D：信誉好参考答案：A2.巴塞尔委员会提出的8%的资本充足率是对（）提出的要求。
选项A：总资本／总负债选项B：总资本／风险加权资产选项C：总资本／总资产选项D：总资本／总风险资产参考答案：B3.不对外公开，作为商业银行内部控制客户信用风险的最高限额，由商业银行审批客户信用需求时内部掌握使用的授信方式是（）。
选项A：公开授信选项B：内部授信选项C：集中授信选项D：秘密授信参考答案：B4.企业在生产经营过程中，通过资产周转速度所反映的资产利用率指标称为（）。
选项A：盈利能力指标选项B：偿债能力指标选项C：营运能力指标选项D：投资回报率指标参考答案：C5.商业银行在办理代理业务过程中：___选项A：可以为客户垫款选项B：可以收取手续费选项C：要承担经济损失选项D：可以参与利益分配参考答案：B6.对于有些中长期贷款项目，银行会给予贷款客户一定的宽限期（如前1-2年）。
在宽限期内，企业（）。
选项A：偿还每期利息，本金可偿还，也可不偿还选项B：只需偿还分期还款的本金选项C：只需偿还每期利息，不用偿还本金选项D：本金和利息都不要偿还参考答案：C7.在商业银行资产中流动性最高的部分是（）选项A：证券投资选项B：现金资产选项C：准备金选项D：贷款参考答案：B8.流动性需求和流动性来源之间的：___是流动性风险产生的根源选项A：不匹配选项B：匹配选项C：两者没有关系选项D：以上都不对参考答案：A9.前台交易系统无法处理交易或执行交易时的延误，特别是资金调拔与证券结算系统发生故障时，现金流量便受到直接影响，这属于：___对流动性的影响选项A：信用风险选项B：市场风险选项C：操作风险选项D：战略风险参考答案：C10.商业银行设立分支机构时，按照规定拨付各分支机构营运资金额的总和，不得超过总行资本金总额的：___选项A：40％选项B：50％选项C：60％选项D：70％参考答案：C11.根据《担保法》规定，可以质押的权利包括：___选项A：汇票、本票、支票选项B：存款单、仓单、提单选项C：土地所有权选项D：依法可以转让的股份、股票参考答案：A,B,D12.商业银行的信贷资金来源包括（）。
2019年北京邮电大学商业银行管理阶段二作业试题及答案
知识点: 阶段作业二 学生答
[B;] 案:
得分: [2]
标准答 B
案: 试题分
2.0 值:
12.贸易融资可以有效解决了中小企业因财务指标达不到银行标准而无法融
资的问题。（
）
A. 正确
B. 错误
知识点: 阶段作业二 学生答
[A;] 案:
得分: [2]
标准答 A
案: 试题分
2.0 值:
13.个人非财务因素分析中的经济实力是指借款人的年经济收入与个人财产 评估价值。它们
标准答 A
案: 试题分
2.0 值:
5. M 制造公司在过去的 6 年里每年都有更高的收益。属于 6C 要素分析法中
哪一方面信用要素的分析（ ）。 A. 品德(character) B. 能力(capacity) C. 担保(collateral) D. 事业的持续性( continuity)
知识点: 阶段作业二 学生答
知识点: 阶段作业二 学生答
[A;] 案:
得分: [2]
标准答 A
案: 试题分
2.0 值:
10.按性质不同，结算业务可分为同城结算和异地结算。（ ） A. 正确 B. 错误
知识点: 阶段作业二 学生答
[B;] 案:
得分: [2]
标准答 B
案: 试题分
2.0 值:
11.打包放款是进口方银行为进口商提供的短期资金融通。（ ） A. 正确 B. 错误
知识点: 阶段作业二 学生答
[A;B;C;D;] 案:
得分: [2]
标准答 A;B;C;D
案: 试题分
2.0 值:
21.
三、单项选择题（共 15 道小题，共 30.0 分）
2022年东财商业银行经营管理在线作业二秋答案
东财《商业银行经营管理》在线作业二15秋100分答案一、单项选择题（共 10 道试题，共 40 分。
）1.（）不需要支付大量现金，因而不会影响收购银行旳现金状况。
A.股票换取式并购B.现金购置式并购C.混合证券式并购D.杠杆并购对旳答案：A商业银行经营管理2. 买卖双方成交后，按双方签订旳远期协议，在未来约定日期进行外汇交割旳交易方式是（）。
A.远期交易B.期货交易C.现货交易D.期权交易对旳答案：A3. 银行证券投资旳市场风险是（）。
A.市场利率变化给银行债券投资带来损失旳也许性B.债务人到期无法偿还本金和利息而给银行导致旳也许性C.银行被迫发售在市场上需求疲软旳未到期债券，银行只能以较低价格发售债券旳也许性D.由于不可预期旳物价波动，银行证券投资所得旳本金和利息收入旳购置力低于投资证券时所支付旳资金旳购置力，使银行遭受购置力损失旳也许性对旳答案：C4. 银团贷款按贷款人与借款人旳关系分为（）。
A.定期贷款和循环贷款B.备用贷款和循环贷款C.直接银团贷款和间接银团贷款D.外国出口信贷和国际商业信贷对旳答案：C5. 银行旳资产中，流动性最强旳有（）。
A.库存现金B.托收中旳款项C.寄存同业款项D.在央行旳超额准备金存款对旳答案：A6. 银行长期负债支持短期资产，当市场利率下降时，银行也许面临（）。
A.再融资风险B.再投资风险C.市场价值风险D.流动性风险对旳答案：B7. 近代银行业产生于( )。
A.英国B.美国C.意大利D.德国对旳答案：C8. （）是商业银行最基本也是最能反应其经营活动特性旳职能。
A.信用中介B.支付中介C.清算中介D.调整经济旳功能对旳答案：A9. 某银行在未来6个月内旳利率敏感资产为6亿元，利率敏感负债为5亿元，则利率敏感缺口为（）。
A.11B.1C. 1.2D.30对旳答案：B10. 商业银行假如处在流动性正缺口时,阐明流动性（）。
A.短缺B.过剩C.平衡D.不确定对旳答案：A东财《商业银行经营管理》在线作业二二、多选题（共15 道试题，共 60 分。
商业银行经营管理学作业
商业银行的未来发展趋 势与挑战
未来发展趋势预测
数字化：商业银行将更加注重数字化发展，提高效率和客户体验
智能化：商业银行将利用人工智能、大数据等技术，提高风险控制和客户服务能力
绿色金融：商业银行将更加关注绿色金融，支持可持续发展 跨境合作：商业银行将加强与其他国家、地区的合作，拓展国际市场
面临的挑战与机遇
添加副标题
商业银行经营管理学作业
汇Байду номын сангаас人：
目录
CONTENTS
01 添加目录标题 03 商业银行的经营管
理原则
02 商业银行概述 04 商业银行的经营管
理策略
05 商业银行的经营管 理方法
06 商业银行的经营管 理案例分析
07 商业银行的未来发 展趋势与挑战
添加章节标题
商业银行概述
商业银行的定义与性质
风险管理：识别、 评估和控制风险， 确保银行稳健经营
绩效管理：制定绩 效考核指标，激励 员工提高工作效率 和质量
商业银行的经营管理方 法
信贷管理方法
风险管理：实施风险管理，包 括信用风险、市场风险、操作 风险等
信贷流程：建立完善的信贷流 程，包括申请、审批、放款、 还款等环节
信贷政策：制定信贷政策，明 确信贷目标、风险控制等要求
启示：商业银行在经营 管理过程中应注重风险 控制、提高管理水平、 适应市场变化等。
案例启示与借鉴意义
案例背景：某商业银行的经营管理情况 案例分析：分析商业银行的经营管理策略、市场环境、竞争态势等 启示：商业银行经营管理的成功经验和失败教训 借鉴意义：如何借鉴案例中的成功经验和失败教训，提高商业银行的经营管理水平
商业银行的分类与组织结构
《商业银行经营管理》形成性考核册及参考答案
《商业银行经营管理》形成性考核册及参考答案《商业银行经营管理》作业1一、名词解释1、商业银行：商业银行是以吸收公众存款、发放贷款、办理结算为主要业务的企业法人，是以追求利润最大化为经营目标，以货币信用业务和综合金融服务为经营对象的综合性、多功能的金融企业。
2、信息披露：信息披露是指商业银行依法将反映其经营状况的主要信息，如财务会计报告、各类风险管理状况、公司治理、年度重大事项等真实、准确、及时、完整地向投资者、存款人及相关利益人予以公开的过程。
3、存款保险制度：存款保险制度是保护存款人的利益、稳定金融体系的事后补救措施。
它要求商业银行将其吸收的存款按照一定的保险费率向存款保险机构投保，当商业银行经营破产不能支付存款时，由存款保险机构代为支付法定数额的保险金。
4、抵押贷款：抵押贷款是指按照《中华人民共和国担保法》规定的保证方式以借款人或第三人的财产作为抵押物发放的贷款。
5、贷款风险分类：贷款风险分类又称为贷款五级分类，是指商业银行按照借款人的最终偿还贷款本金和利息的实际能力，确定贷款的遭受损失的风险程度，将贷款质量分为正常、关注、次级、可疑和损失五类的一种管理方法，其中后三类被称为不良资产。
6、分级授权：分级授权是商业银行进行贷款业务活动时应当遵循的基本原则之一，是指在统一法人管理体制下，总行、一级分行、二级分行逐级向下授权和转授权，下级行必须在上级行的授权范围内和权限内从事信贷业务，超过权限必须向上级行审批。
7、不良贷款：不良贷款是指借款人未能按照原定的贷款协议按时偿还商业银行的贷款本息，或者已有迹象表明借款人不可能按照原定的贷款协议按时偿还商业银行的贷款本息而形成的贷款。
8、信贷资产证券化：信贷资产证券化是指将缺乏流动性但又具有未来现金流的信贷资产集中起来，进行结构性重组，将其转变为可以在金融市场上进行流通的证券，据以融通资金的过程。
二、判断正误并说明理由1、商业银行具有信用创造功能，其信用创造有一定的限度。
商业银行经营与管理作业及答案2
商业银行经营与管理课程作业及答案2 最终成绩：92.0一单选题1. 背书人金中公司依法向追索权人高桥公司清偿后，可以向其前手行使（）。
A.付款请求权B.代位求偿权C.基础关系中的债权D.再追索权本题分值： 4.0用户得分： 4.0用户解答： D.再追索权标准答案： D.再追索权2. 商业银行对业务拓展和市场的占领采取积极的态度，以快速扩大市场份额为目标的经营思想是：___A利润主导经营思想B服务主导经营思想C竞争性经营思想D防守性经营思想本题分值： 4.0用户得分： 4.0用户解答： C竞争性经营思想标准答案： C竞争性经营思想3. 中国人民银行规定，中期流动资金贷款期限为（）。
A、3个月以内B、3个月至1年C、1年至3年D、1年至5年本题分值： 4.0用户得分： 0.0用户解答： D、1年至5年标准答案： C、1年至3年4. 汇票未记载付款地，该汇票的付款地是（）。
A.出票人的营业场所、住所或者经常居住地B.持票人的营业场所、住所或者经常居住地C.付款人的营业场所、住所或者经常居住地D.出票行为发生地本题分值： 4.0用户得分： 4.0用户解答： C.付款人的营业场所、住所或者经常居住地标准答案： C.付款人的营业场所、住所或者经常居住地5. 当持票人为出票人时（）可以对所有前手行使追索权对其前手无追索权仅对其直接前手可以追索，对其间接前手不可以追索对其后手可以进行追索本题分值： 4.0用户得分： 4.0用户解答：对其前手无追索权标准答案：对其前手无追索权6. 甲签发汇票一张，收款人为乙，乙将其转让给丙，丙又转让给丁。
2001年4月8日，丁请求承兑人付款时遭拒绝，丁向丙行使追索权并于2001年5月8日得到实现。
丙对乙追索的期间应为（）。
A.2001年8月8日以前B.2001年11月8日以前C.2001年7月8日以前D.2001年10月8日以前本题分值： 4.0用户得分： 4.0用户解答： A.2001年8月8日以前标准答案： A.2001年8月8日以前7. 张某向李某背书转让面额为10万元的汇票作为购买房屋的价金，李某接受汇票后背书转让给第三人。
商业银行管理第2章习题答案
商业银行管理第2章习题答案Chapter 2Analyzing Bank PerformanceChapter Objectives1.Introduce bank financial statements, including the basic balance sheet and income statement, and discuss the interrelationship between them.2.Provide a framework for analyzing bank performance over time and relative to peer banks. Introduce key financial ratios that can be used to evaluate profitability and the different types of risks faced by banks. Focus on the trade-off between bank profitability and risk.3.Identify performance measures that differentiate between small, independent banks (specialty banks) and larger banks that are part of multibank holding companies or financial holding companies.4. Distinguish between types of bank risk; credit, liquidity, interest rate, capital, operational, and reputational.5. Describe the nature of and meaning of regulatory CAMELS ratings for banks.6.Provide applications of data analysis to sample banks’ financial information.7.Describe performance characteristics of different-sized banks.8. Describe how banks can manipulate financial information to ‘window-dress’ performance.Key Concepts1. Bank managers must balance banking risks and returns because there is a fundamental trade-off between profitability,liquidity, asset quality, market risk and solvency. Decisions that increase banking risk must offer above average profits. The more liquid a bank is and the more equity capital used to fund operations, the less profitable is a bank, ceteris paribus.2. Banks face five basic types of risk in day-to-day operations: credit risk, liquidity risk, market risk, capital/solvency risk, and operational risk. Market risk encompasses interest rate risk, foreign exchange risk and price risk. Each type of risk refers to the potential variation in a ba nk's net income or market value of stockholders’ equity resulting from problems that affect that part of the bank's activities.3. Banks also face risks in the areas of country risk associated with loans or other activity with foreign government units and off-balance sheet activities, which create contingent liabilities. More recently, banks have focused on reputation risk. For example, from 2002-2005 Citigroup, JP Morgan Chase, and Bank of America found that even though they continued to report strong pro fits, they experienced strong criticism for 1) their roles in facilitating strategies to disguise Enron’s true financial status, 2) problems in sub-prime lending programs via the Associates Corp. and their own internal finance company activities, 3) problems with underwriting subsidiaries with analyst conflicts between stock reports and the firm’s investment banking relationships; facilitating market timing of stock trades to their detriment of their own mutual fund holders, 4) lack of supervision of trading groups, and 5) facilitating improper borrowing at Parmalat.4. A bank's return on equity (ROE) can be decomposed in terms of the duPont system of financial ratio analysis. This examination of historical balance sheet and income statementdata enables an analyst to evaluate the comparative strengths and weaknesses of performance over time and versus peer banks. The Uniform Bank Performance Report (UBPR) data reflect the basic ratios from this return on equity model.5. Different-sized commercial banks exhibit different operating characteristics and thus performance measures. Small banks typically report a higher return on assets (ROA) than large banks because they earn higher gross yields on assets and pay less interest on liabilities.6. High performance banks generally benefit from lower interest and non-interest expense and limit credit risk so that loan losses are relatively low. They also operate with above average stockholders' equity.7. Many banks can successfully "window-dress" performance by manipulating the reporting of financial data. They may accelerate revenue recognition and defer expenses or selectively alter when they take securities gains or losses and time when to charge off loans or report loans as non-performing. As such, they may inappropriately smooth earnings with provisions for loan losses or by other means. Analysts must be careful when evaluating extraordinary transactions that have one-time gain or loss features.Answers to End of Chapter Questions1. For a large bank, assets consist approximately of marketable securities (20%), loans (70%), and other assets (10%). Liabilities consist of core deposits (40%-60%), noncore, purchased liabilities (20%-40%), and other liabilities (5 %-10%) as a fraction of assets. Small banks typically obtain more funds in the form of core deposits and less in the form of noncore, purchased liabilities. Small banks often invest more in securitiesas well. Of course, the actual percentages for any bank depend on that bank’s business strategy, mark et competition, and ownership.2. A bank's interest income consists of interest earned on loans and securities while noninterest income includes revenues from deposit service charges, trust department fees, fees from nonbank subsidiaries, etc. Interest expense consists of interest paid on interest-bearing core deposits and noncore liabilities while noninterest expense is comprised of overhead costs, personnel costs, and other costs. A bank’s net interest income equals its interest income minus interest expense. Note that interest income may be calculated on a tax-equivalent basis in which tax-exempt interest is converted to its pre-tax equivalent.A bank’s burden is defined as its noninteres t expense minus noninterest income. This is often quoted as a fract ion of total assets. A bank’s efficiency ratio is calculated as noninterest expense divided by the sum of net interest income and noninterest income. The denominator effectively measures net operating revenue after subtracting interest expense. The efficiency ratio measure the noninterest cost per $1of operating revenue generated. Analysts often interpret the efficiency ratio as a measure of a bank’s ability to control overhead relative to its ability to generate noninterest income (and overall revenue).A lower number is presumably better because it reflects better cost control compared with revenue generation.3. Balance sheet accounts:a. Increase liability: money market deposit account (+$5,000)Increase asset: federal funds sold (+$5,000)b. Decrease asset: real estate loanIncrease asset: mortgage loanc. Increase equity: common stock (common and preferred capital)Increase asset: commercial loans4. Income statementInterest on U.S. Treasury & agency securities $44,500Interest on municipal bonds 60,000Interest and fees on loans 189,700Interest income = $294,200Interest paid on interest-checking accounts $33,500Interest paid on time deposits 100,000Interest paid on jumbo CDs 101,000Interest expense = $234,500Net interest income = $59,700Provisions for loan losses = $ 18,000Net interest income after provisions = $41,700Fees received on mortgage originations $23,000Service charge receipts 41,000Trust department income 15,000Non-interest income = $79,000Employee salaries and benefits $145,000Occupancy expense 22,000Non-interest expense = $167,000Income before income taxes -$46,300Income taxes 15,742Net income = -$30,558Cash dividends declared 2,500Retained earnings = -$33,058This assumes that expenses associated with the purchase of the new computer are included in occupancy expense. If not, the computer expense (depreciation) will increase the loss for theperiod. Also, the bank can receive a tax refund from prior tax payments if the bank made a taxable profit within recent years.5. The primary risks faced by banks are credit risk, liquidity risk, interest rate risk, foreign exchange risk (the latter two represent market risk), operational risk, reputational risk, and capital solvency. In general, promised, or expected, returns should be higher for banks that assume increased risk. There should also be greater volatility in returns over time.a. Credit risk: Net loan charge-offs/LoansHigh risk - high ratio; Low risk - low ratioHigh risk manifests itself in occasional high charge-offs, which requires above average provisions for loan lossses to replenish the loan loss reserve. Thus, net income is volatile over time.b. Liquidity risk: Core deposits/AssetsHigh risk - low ratio; Low risk - high ratioHigh risk manifests itself in less stable funding as a bank relies more on noncore, purchased liabilities thatfluctuate over time. These noncore liabilities are also higher cost, which raises interest expense.c. Interest rate risk: (|Repriceable assets-repriceable liabilities|)/AssetsHigh risk - high ratio; Low risk - low ratioHigh risk banks do not closely match the amount of repriceable assets and repriceable liabilities. Largedifferences suggest that net interest income may vary sharply over time as the level of interest rates changes.d. Foreign exchange risk: Assets denominated in a foreign currency minus liabilities denominated in the same foreign currency.High risk – a large difference; Low risk – a small difference High risk manifests itself when exchange rates change adversely and the value of the bank’s net position of assets versus liabilities denominated in a currency changes sharply.e. Operational risk: total assets/number of employeesHigh risk – low ratio; Low risk – high ratioHigh risk manifests itself when the bank operates at low productivity measured by more employees per amount of assetsf. Capital/solvency risk: Stockholders’ equity/AssetsHigh risk - low ratio; Low risk - high ratioHigh risk manifests itself because fewer assets must go into default before a bank is insolvent and can be closed down by regulators.g. Reputational risk is difficult to measure ex ante. It is more observable by announced problems and issues.6. Equity multiplierBank L: Equity/Assets = 0.06 indicates Assets/Equity = 16.67X Bank S: Equity/Assets = 0.10 indicates Assets/Equity = 10X If each bank earns 1.5% on assets (ROA = 0.015), then the ROEs will equal 25% (Bank L) and 15% (Bank S). If, instead, each bank reports a loss with ROA = -0.012, then the ROEs will equal -20% (Bank L) and -15% (Bank S). When banksare profitable, financial leverage has the positive effect of increasing ROE; when banks report losses, financial leverage increases the magnitude of loss in terms of a negative ROE.7. ROE= net income/stockholders' equityROA = net income/total assetsEM = total assets/stockholders' equityER = total operating expense/total assetsAU = total revenue/total assetsBalance sheet figures should be measured as averages over the period of time the income number is generated.ROE = ROA x EM ROA = AU – ER – TAXwhere TAX = applicable income tax/total assets.8. Profitability ratios differ across banks of different size as measured by assets. The primary reasons are that different size banks have different asset and liability compositions and engage in different amounts of off-balance sheet activities. Typically, small banks report higher net interest margins because their average asset yields are relatively high while their average cost of funds is relatively low. This reflects loans to higher risk borrowers, on average, and proportionately more funding from lower cost core deposits. ROEs, in turn, are often lower because small banks operate with more capital relative to assets, that is with lower equity multipliers, so that even with comparable ROAs the ROEs are lower. Large banks ROAs are increasing faster over time because large banks operate with lower efficiency ratios as they have been more successful in generating fee income.9. CAMELSa. C =capital adequacy: equity/assetsb. A = asset quality: nonperforming loans/loans; loan charge-offs/loansc. M = management: no single ratio is good, although all ratios indicate overall strategyd. E = earnings: aggregate profit ratios; ROE, ROA, net interest margin, burden, efficiencye. L = liquidity: core deposits/assets; noncore, purchased liabilities/assets; marketable securities/assetsf. S = sensitivity to market risk; |repriceable assets-repriceable liabilities|/assets; difference in assets and liabilitiesdenominated in the same currency; size of trading positions in commodities, equities and other tradeable assets.10. Lowest to highest liquidity risk: 3-month T-bills, 5-year Treasury bond, 5-year municipal bond (if high quality and from a known issuer), 4-year car loan with monthly payments (receive some principal monthly, may be saleable), 1-year construction loan, 1-year loan to individual, pledged 3-month T-bill. As stated, the 3-month T-bill that is pledged as collateral is illiquid unless the bank can change its collateral status.11. Comparative credit riska. loan to a comer grocery store representing a little known borrower with uncertain financialsb. loan collateralized with inventory (work in process) because the collateral is less liquid and more difficult to value;this assumes that the receivables are still viable and not too aged.c. normally the Ba-rated municipal bond, unless the agency bond is an "exotic" mortgage backed security, because the agency bond carries an implied guarantee in that Freddie Mac is a quasi-public borrower.d. 1-year car loan because the student loan is typically government guaranteed12. For the balance sheet: high core deposits/assets; high equity/assets; low noncore, purchased liabilities/assets; high investment securities/assets; high agriculture loans/assets (the value refers to that for small banks); For the income statement: net interest margin (high); burden/assets (high), efficiency ratio (high); (the descriptor in parentheses refers to the relationship for small banks versus larger banks).13. Extending a loana. the new loan is typically not classified as nonperforming because no payments are past dueb. often a bank recognizes that the loan is in the problem stage and the borrower renegotiates the terms in its favor;rationale is that the borrower may default if the loan is not restructured. Note that this restructuring gives theappearance that asset quality is higher.c. the primary risk is that the bank is throwing more money down a sink hole and will never recover any of its loan.14. Dividend payment: For: the loss is temporary and stockholders expect the dividend payment. Failure to make the payment will sharply lower the stock price because stockholders will be alienated. Against: the bank has not generated sufficient cash to make the payment from normal operations. By paying the cash dividend, the bank is self-liquidating. The cash dividend will lower the bank’s capital. What normally decides the issue is whether the loss is truly temporary or more permanent. Management typically errs by assuming that losses are temporary, and thus continues to make dividend payments when it should be reducing or eliminating them.15.Liquidity risk:a.Securities classified as held-to-maturity cannot be sold unless there has been an unusual change in the underlying credit quality of the security issuer. A high fraction indicates low liquidity because few securities (just 5% of the total) can be sold.b. A low core deposit base indicates a bank that relies proportionately more on noncore, volatile liabilities that are less stable and more likely to leave the bank if rates change. This makes a bank’s funding sources less reliable and the banksubject to greater liquidity risk.c. A bank that holds long-term securities (8 years is long term) has assumed significant price risk even if the securities can be readily sold because they are classified as available-for-sale. Such securities will fall in value if interest rates rise. This indicates high liquidity risk.d.Assuming that $10 million in securities is sufficient, the fact that none are pledged makes them more liquid and is indicative of lower liquidity risk than if any securities were pledged.Problems1. Community National Bank (CNB)1. Profitability analysis for 2004 using UBPR figures:RATIO Community National Bank Peer BanksROE 8.67% 11.72%ROA 0.63 1.09EM 13.97X 10.67XAU 5.91 6.23ER 4.94 4.73TAX 0.34 0.41a.Aggregate profitability for CNB is substantially lower measured both by both ROE and ROA. Because CNB has less equity relative to assets, it has greater financial leverage. Thus, the greater financial leverage increases CNB’s ROE relative to peer banks. The fact that its ROE is lower, despite the greater leverage, indicates that the higher risk does not produce higher overall profitability. CNB has assumed a riskier profile with its greater financial leverage in that fewer assets can default before the bank is insolvent. CNB’s ROA is lower because it earns a lower average yield on assets (AU), pays more in operatingexpense (ER), offset somewhat by the fact that it pays less in taxes (TAX).b.Risk ComparisonCredit risk: same net charge-offs, much lower nonperforming (more than 90 days past due) and nonaccrual loans, higher provisions for loan losses (.30% versus 0.18%); loan loss reserve is a greater fraction of total loans and leases and a much greater fraction of noncurrent loans. Overall, the ratios indicate below-average risk. Of course, these figures represent only one year of data.Liquidity risk: lower equity to assets suggests higher liquidity risk from a funding perspective, higher available for sale securities and lower pledged securities suggests lower liquidity risk from the asset sale perspective; very high core deposits, low noncore funding (liabilities), low loans and leases and high ST securities suggest lowerliquidity risk. Overall, liquidity risk appears lower because the bank has a strong core deposit base, fewer loans and more securities can be readily sold. Still, the bank might have difficulty borrowing if loans exhibit low qualityand deposit outflows arise. Conclusion: below-average liquidity risk.Capital Risk: low capital to asset ratios; low equity to assets indicate above average capital risk; bank pays less out in dividends and its growth rate in equity capital is lower. Overall, the bank exhibits greater capital risk. Thissituation is offset by the bank’s apparent higher quality assets.Operational risk: low assets to employees ratio, high personnel expense to employees and high efficiency ratioindicate high operational risk. Of course, these data do not capture the likelihood of fraud and other potentialoperational problems.c.Recommendations:1)Impro ve the bank’s capital position; slow asset growth and pursue greater profits.2)Evaluate credit risk carefully; ensure that loans are adequately diversified and that any default of a single loan or type of loans cannot place the bank’s capital at risk to where regulators will restrict the bank’s activiti es. Slow loan growth until capital base is at target. Implement a formal credit risk review process.3)Improve operating efficiency. Review noninterest expense sources and cut costs where possible.4)The first t wo suggestions will have the impact of lowering the bank’s earnings, ceteris paribus. Therefore,management should focus on growing sources of noninterest income that currently are not being pursued.2.Citibank UBPRa.In 2004, Citibank’s ROE equaled 15.26% while its ROA equaled 1.49% versus peers’ figures of 14.58% and 1.31%, respectively. Citibank’s equity multiplier (EM = ROE/ROA) equaled approximately 10.24X versus 11.13X for peers. Citibank’s AU is higher at 8.83% (5.25% + 3.58%) versus 7.69% (4.46% + 3.23%) at peers. Citibank clearly generated higher gross revenues from both interest and noninterest sources. Citibank’s expense ratio (ER), in turn, equaled 6.27% while ER for peers was much lower for each type of expense and in total at 4.23%. Based on the profit figures alone, Citibank appears to be a high performance bank and achieves that by generating greaterrelative revenues.b.Citibank’s credit risk (as evidenced only by the ratios provided) appears high as net losses to loans is higher than Peers (1.58% versus 0.25%), as is noncurrent loans and leases as a fraction of loans (1.78% versus 0.59%). The loss allowance (reserve) is a higher fraction of loans, but a much smaller fraction of net losses (charge-offs) andnoncurrent loans indicating that more reserves might be appropriate.c.Citibank’s liquidity risk appears high as the bank has a lower equity to asset (tier 1 leverage capital) ratio and relies much more on noncore liabilities (noncore fund dependence). With its greater credit risk, you might expect it to operate with greater equity capital. Similarly, the bank is growing at a fast pace which generally increases overall risk because management cannot easily control risk from growth.d.Recommendations:Carefully assess credit risk; realign portfolio where appropriate.Increase the loan loss reserve.Slow loan growth and/or shift loans to less risky classes.Line up additional sources of liquidity.Review pricing of loans and deposits; identify sources of fees/noninterest income to see if they are sustainable.。
商业银行管理第二次作业
在银行存储时间长、支取频率小，具有投资的性质并且是银行最稳定的外界资金来源的存款是（）。
∙A、A. 储蓄存款∙B、B. 定期存款∙C、C. 支票∙D、D. 活期存款标准答案：b说明：题号:4 题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:2债券投资者无法以适当的价格将所持债券转换成现金而可能蒙受的损失属于（）。
∙A、C.'A.操作风险∙B、B.价格风险∙C、利率风险∙D、D.流动性风险标准答案：d说明：题号:5 题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:2为弥补银行资本不足而发行的介于存款负债和股票资本之间的一种债务是（）。
∙A、A. 国际债券∙B、B. 国内债券∙C、C. 资本性债券∙D、D. 一般性债券标准答案：c说明：题号:6 题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:2商业银行主动通过金融市场或直接向中央银行融通资金采取的形式是（）。
∙A、A. 存款∙B、B. 非存款负债∙C、C. 货币市场存单∙D、D. 协定账户标准答案：b说明：题号:7 题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:2一种预先规定基本期限但又含活期存款某些性质的定期存款账户是（）。
∙A、A. 协定账户∙B、B. 储蓄存款∙C、C. 支票∙D、D. 定活两便存款账户标准答案：d说明：题号:8 题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:2银行对挤兑具有天然的敏感性，挤兑会造成银行的困难，主要是（）。
∙A、A. 流动性∙B、B. 盈利性∙D、D. 贷款总额标准答案：a说明：题号:9 题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:2 在《巴塞尔协议》中信用风险转换系数为100%的有（）∙A、A.普通担保∙B、B.履约担保书∙C、C.投标保证书∙D、D.用于特别交易的备用信用证标准答案：a说明：题号:10 题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:2 中央银行以外的投资人在二级市场上贴进票据的行为是（）。
奥鹏北语14秋《商业银行业务与经营》作业2满分答案
14秋《商业银行业务与经营》作业2
一,单选题
1. 衡量将既定的销售收入水平转变为利润的管理效率，反映借款人控制支出和投资收益的管理能力的指标是（）。
A. 营业利润率
B. 净利润率
C. 股利发放率
D. 盈利比率
正确答案：D
2. 10万美元以上的定期存款、外国机构存款、同业借贷、回购协议下的证券等资金来源，被称为（）。
A. 核心负债
B. 敏感性负债
C. 交易性负债
D. 流动负债
正确答案：B
3. 测算商业银行的流动性所用的无风险资产比率是指（）与总资产的比值。
A. 现金加同业存款
B. 政府证券加现金
C. 现金加同业拆借净值加政府证券
D. 现金加同业存款加租赁净额
正确答案：C
4. 商业银行库存现金与在中央银行的超额准备金之和，称为（）。
A. 可用头寸
B. 基础头寸
C. 可贷头寸
D. 风险头寸
正确答案：B
5. 关于贷款政策，不属于“6C原则”的是（）。
A. 品质
B. 能力
C. 抵押
D. 资产
正确答案：D
6. （）是形成银行盈利性资产的基础。
A. 可用头寸
B. 基础头寸。
商业银行管理第2次作业
商业银行管理第2次作业起止时间：2021-12-189:27:07至2021-12-189:28:21学员姓名：12030111126学员成绩：100标准题总分：100标准题得分：100详细信息：题号:1题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:5.71内容:债券投资者无法以适度的价格将持有债券转换成现金而可能将遭受的损失属（）。
a、操作方式风险b、价格风险c、利率风险d、流动性风险学员答案:d本题得分:5.71题号:2题型:单选题（恳请在以下几个选项中挑选唯一恰当答案）本题分数:5.71内容:商业银行存放在代理行和相关银行的存款是（）。
a、存款准备金b、贷款c、放置同业存款d、现金学员答案:c本题得分:5.71题号:3题型:单选题（恳请在以下几个选项中挑选唯一恰当答案）本题分数:5.71内容:在《巴塞尔协议》中信用风险转换系数为100%的有（）a、普通担保b、履约担保书c、投标保证书d、用作特别交易的水泵信用证学员答案:a本题得分:5.71题号:4题型:单选题（恳请在以下几个选项中挑选唯一恰当答案）本题分数:5.71内容:金融派生产品的基本种类就是（）。
a、套期b、交换c、保函d、信用证学员答案:b本题得分:5.71题号:5题型:单选题（恳请在以下几个选项中挑选唯一恰当答案）本题分数:5.71内容:营销4p组合不包括（）。
a、产品（product）b、包装（package）c、价格（price） d、降价（promotion）学员答案:b本题得分:5.71题号:6题型:判断题本题分数:5.71内容:就商业银行的现金资产而言，其存量的大小将直接影响其盈利能力。
存量过大，银行付出的机会成本就会增加，从而影响银行盈利性目标的实现；存量过小，客户的流动性需求得不到满足，则会导致流动性风险增加，直接威胁银行经营的安全。
（）1、错2、对学员答案:2本题罚球:5.71题号:7题型:判断题本题分数:5.71内容:法定存款准备金的变动，可以引致超额存款准备金的变化，进而影响银行的信贷收缩能力，因此银行的超额准备金账户留存的存款不必过多。
吉大19秋学期《商业银行学》在线作业二【第1组】答案
【奥鹏】吉大19秋学期《商业银行学》在线作业二
试卷总分:100 得分:100
一、单选题（共10题，40分）
1、（）是商业银行最基本也是最能反映其经营活动特征的职能。
A信用中介
B支付中介
C清算中介
D调节经济的功能
[提示：仔细阅读以上试题，并作答]
正确答案是：A
2、假设有一面值为1000元的中期国库券，期限为2年，息票利率为10%，每年年末支付一次利息，无风险利率为15%，债券的当前市场价格为（）。
A918.71
B1000
C847.22
D869.56
[提示：仔细阅读以上试题，并作答]
正确答案是：A
3、票据贴现利率（贴现率）一般较同期限的其他贷款（）。
A高
B一样
C低
D不定
[提示：仔细阅读以上试题，并作答]
正确答案是：C
4、（）是并购银行依据市场价格直接购买目标银行的全部或部分资产以实现并购。
A现金并购
B股票换取并购
C零成本并购
D跨区并购
[提示：仔细阅读以上试题，并作答]
正确答案是：A
5、资产流动性比率是（）之比.
A存款与贷款
B贷款与存款
C流动性资产与流动性负债
D流动性负债与流动性资产
[提示：仔细阅读以上试题，并作答]
正确答案是：C。
国开商业银行经营管理形考作业2
商业银行经营管理作业２
说明: 请大家学习完第３章和第４章之后完成本次作业(满分１００分)
一、名词解释(共３２分每题４分)
１现金资产
答：现金资产，是指商业银行随时可以用来应付现金需要的资产，是银行资产业务中最富流动性的部分。
包括现金和活期存款。
２超额准备金
超额准备金是指商业银行及存款性金融机构在中央银行存款帐户上的实际准备金超过法定准备金的部分。
３银行贷款
答：银行贷款是指银行根据国家政策，以一定的利率将资金贷放给资金需要者，并约定期限归还的一种经济行为。
银行贷款一般要求提供担保、房屋抵押、收入证明、个人征信良好，才可以申请，在不同的国家和一个国家的不同发展时期，按各种标准划分出的贷款类型也是有差异的。
４系统性风险。
国开电大商业银行经营管理#形考作业二讲评
商业银行经营管理形考作业二一、单选（每题2分，共20分）1.年初的资本/资产＝8％，各种资产为10亿元，年末的比例仍为8％，年末的未分配收益为0.2亿元，银行的适度资本为（）。
A.12.5B.10C.10.2D.12.7【答案】A2.商业银行最主要的负债是（）。
A.借款B.发行债券C.各项存款D.资本【答案】C3.商业银行的（）是整个银行体系创造存款货币的基础。
A.资产B.负债C.所有者权益D.资本【答案】B4.某银行通过5％的利率吸收100万新存款，银行估计如果提供利率为5.5％，可筹资150万存款，若提供6％的利率可筹资200万元存款，若提供6.5％的利率可筹集250万存款，若提供7％利率可筹300万存款，而银行的贷款收益率为8.5％，贷款利率不随贷款量增加而增加，贷款利率是贷款边际收益率。
问存款利率为（）时，银行可获最大利润。
A.5%B.6%C.6.5%D.7%【答案】C5.某商业银行共筹集 5亿元资金，其中以资金成本率 8% 可筹集支票存款 1亿元，以 12% 的资金成本率可筹集定期存款、储蓄存款等 3亿元，资本性债券 1亿元，成本率为 16% 。
如果存款运用于非盈利资产的比重分别为：支票存款为 15% ，定期与储蓄存款为 5% 。
资本性债券全部用于盈利性资产上。
该行的税前平均成本率为（）。
A.10%B.12%C.15%D.12.66%【答案】D6.商业银行发行的用于补充资本金的不足的债券是（）。
A.一般性债券B.资本性债券C.国际债券D.政府债券。
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B、银行在有效承诺期限内，按照约定的利率，随时准备应客户的要求向其提供一定金额以内的贷款
C、是银行与客户签订的一个中期的循环融资保证协议
D、可以分为定期贷款承诺、备用贷款承诺和循环贷款承诺三种类型
学员答案:ABD
本题得分:8.57
题号:15题型:多选题（请在复选框中打勾，在以下几个选项中选择正确答案，答案可以是多个）本题分数:8.57
内容:
债券投资者无法以适当的价格将所持债券转换成现金而可能蒙受的损失属于（）。
A、操作风险
B、价格风险
C、利率风险
D、流动性风险
学员答案:D
本题得分5.71
题号:2题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:5.71
内容:
商业银行存放在代理行和相关银行的存款是（）。
A、存款准备金
B、贷款
C、存放同业存款
D、现金
学员答案:C
本题得分:5.71
题号:3题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:5.71
内容:
在《巴塞尔协议》中信用风险转换系数为100%的有（）
A、普通担保
B、履约担保书
C、投标保证书
D、用于特别交易的备用信用证
学员答案:A
本题得分:5.71
题号:4题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:5.71
1、错
2、对
学员答案:2
本题得分:5.71
题号:9题型:判断题本题分数:5.71
内容:
商业银行金融创新需要坚持成本可算、风险可控等原则，并尽量避免信息披露。（）
1、错
2、对
学员答案:1
本题得分:5.71
题号:10题型:判断题本题分数:5.71
内容:
贷款证券化是资产证券化的主要形式，可以增强商业银行的流动性。（）
内容:
现代商业银行金融创新主要表现为（）
A、银行信息化
B、金融全球化
C、资产证券化
D、产品衍生化
学员答案:ACD
本题得分:8.57
内容:
中间业务的特点包括( )。
A、以收取手续费为主要目的
B、风险低
C、需要银行提供资金
D、以接受客户委托的方式开展业务
学员答案:ABD
本题得分:8.57
题号:14题型:多选题（请在复选框中打勾，在以下几个选项中选择正确答案，答案可以是多个）本题分数:8.57
内容:
下列关于贷款承诺的说法中正确的是（）。
学员答案:2
本题得分:5.71
题号:7题型:判断题本题分数:5.71
内容:
法定存款准备金的变动，会导致超额存款准备金的变化，进而影响银行的信贷扩张能力，因此银行的超额准备金账户保留的存款不宜过多。（）
1、错
2、对
学员答案:2
本题得分:5.71
题号:8题型:判断题本题分数:5.71
内容:
中间业务的全系统风险是指由于中间业务的大量运用给整个金融系统带来危害进而影响整个金融系统稳定性的可能性。（）
1、错
2、对
学员答案:2
本题得分:5.71
题号:11题型:多选题（请在复选框中打勾，在以下几个选项中选择正确答案，答案可以是多个）本题分数:8.57
内容:
银行证券投资的主要功能是（）。
A、保持流动性，获得收益
B、分散风险，提高资产质量
C、合理避税
D、为银行提供新的资金来源
学员答案:ABCD
本题得分:8.57
内容:
金融衍生产品的基本种类是（）。
A、套期
B、互换
C、保函
D、信用证
学员答案:B
本题得分:5.71
题号:5题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:5.71
内容:
营销4P组合不包括（）。
A、产品（Product）
B、包装（Package）
C、价格（Price）
D、促销（Promotion）
商业银行管理第2次作业
作业名称：商业银行管理第2次作业出卷人：SA
作业总分：100通过分数：60
起止时间：2013-12-18 9:27:07至2013-12-18 9:28:21
学员姓名：12030111126学员成绩：100
标准题总分：100标准题得分：100
详细信息：
题号:1题型:单选题（请在以下几个选项中选择唯一正确答案）本题分数:5.71
学员答案:B
本题得分:5.71
题号:6题型:判断题本题分数:5.71
内容:
就商业银行的现金资产而言，其存量的大小将直接影响其盈利能力。存量过大，银行付出的机会成本就会增加，从而影响银行盈利性目标的实现；存量过小，客户的流动性需求得不到满足，则会导致流动性风险增加，直接威胁银行经营的安全。（）
1、错
2、对
题号:12题型:多选题（请在复选框中打勾，在以下几个选项中选择正确答案，答案可以是多个）本题分数:8.57
内容:
商业银行的准现金包括（）。
A、超额准备金
B、存放同业存款
C、柜员机中的资金
D、托收中现金
学员答案:ABD
本题得分:8.57
题号:13题型:多选题（请在复选框中打勾，在以下几个选项中选择正确答案，答案可以是多个）本题分数:8.57