商业银行管理答案

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商业银行管理彼得S.罗斯第八版课后答案chapter_01

CHAPTER 1AN OVERVIEW OF BANKS AND THE FINANCIAL-SERVICES SECTORGoal of This Chapter: In this chapter you will learn about the many roles financial service providers play in the economy today. You will examine how and why the banking industry and the financial services marketplace as a whole is rapidly changing, becoming new and different as we move forward into the future. You will also learn about new and old services offered to the public.Key Topics in This Chapter•Powerful Forces Reshaping the Industry•What is a Bank?•The Financial System and Competing Financial-Service Institutions•Old and New Services Offered to the Public•Key Trends Affecting All Financial-Service Firms•Appendix: Career Opportunities in Financial ServicesChapter OutlineI. I ntroduction: P owerful Forces Reshaping the IndustryII. W hat Is a Bank?A. D efined by the Functions It Serves and the Roles It Play:B. B anks and their Principal CompetitorsC. Legal Basis of a BankD. D efined by the Government Agency That Insures Its DepositsIII.The Financial System and Competing Financial-Service InstitutionsA.Savings AssociationsB.Credit UnionsC.Money Market FundsD.Mutual FundsE.Hedge FundsF.Security Brokers and DealersG.Investment BankersH.Finance CompaniesI.Financial Holding CompaniesJ.Life and Property/Casualty Insurance CompaniesIV. T he Services Banks and Many of Their Closest Competitors Offer the PublicA. S ervices Banks Have Offered Throughout History1.Carrying Out Currency Exchanges2.Discounting Commercial Notes and Making Business Loans3.Offering Savings Deposits4.Safekeeping of Valuables and Certification of Value5.Supporting Government Activities with Credit6.Offering Checking Accounts (Demand Deposits)7.Offering Trust ServicesB. S ervices Banks and Many of Their Financial-Service Competitors HaveOffered More Recently1.Granting Consumer Loans2.Financial Advising3.Managing Cash4.Offering Equipment Leasing5.Making Venture Capital Loans6.Selling Insurance Policies7.Selling Retirement PlansC. Dealing in Securities: Offering Security Brokerage and Investment Banking Services1. Offering Security Underwriting2. Offering Mutual Funds and Annuities3. Offering Merchant Banking Services4. Offering Risk Management and Hedging ServicesV. Key Trends Affecting All Financial-Service FirmsA. S ervice ProliferationB. R ising CompetitionC. G overnment DeregulationD. A n Increasingly Interest-Sensitive Mix of FundsE. T echnological Change and AutomationF. C onsolidation and Geographic ExpansionG. C onvergenceH. G lobalizationVI. T he Plan of This BookVII. S ummaryConcept Checks1-1. What is a bank? How does a bank differ from most other financial-service providers?A bank should be defined by what it does; in this case, banks are generally those financial institutions offering the widest range of financial services. Other financial service providers offer some of the financial services offered by a bank, but not all of them within one institution.1-2. Under U.S. law what must a corporation do to qualify and be regulated as a commercial bank?Under U.S. law, commercial banks must offer two essential services to qualify as banks for purposes of regulation and taxation, demand (checkable) deposits and commercial loans. More recently, Congress defined a bank as any institution that could qualify for deposit insurance administered by the FDIC.1-3.Why are some banks reaching out to become one-stop financial service conglomerates? Is this a good idea in your opinion?There are two reasons that banks are increasingly becoming one-stop financial service conglomerates. The first reason is the increased competition from other types of financial institution s and the erosion of banks’ traditional service areas. The second reason is the Financial Services Modernization Act which has allowed banks to expand their role to be full service providers.1-4. Which businesses are banking’s closest and toughest com petitors? What services do they offer that compete directly with banks’ services?Among a bank’s closest competitors are savings associations, credit unions, money market funds, mutual funds, hedge funds, security brokers and dealers, investment banks, finance companies, financial holding companies, and life andproperty-casualty insurance companies. All of these financial service providers are converging and embracing each other’s innovations. The Financial Services Modernization Act has allowed many of these financial service providers to offer the public one-stop shopping for financial services.1-5. What is happening to banking’s share of the financial mark etplace and why? What kind of banking and financial system do you foresee for the future if present trends continue?The Financial Services Modernization Act of 1999 allowed many of the banks’ closest competitors to offer a wide array of financial services thereby taking away market share from “traditional” banks. Banks and their closest competitors are converging into one-stop shopping for financial services and this trend should continue in the future1-6. What different kinds of services do banks offer the public today? What services do their closest competitors offer?Banks offer the widest range of services of any financial institution. They offer thrift deposits to encourage saving and checkable (demand) deposits to provide a means of payment for purchases of goods and services. They also provide credit through direct loans, by discounting the notes that business customers hold, and by issuing credit guarantees. Additionally, they make loans to consumers for purchases of durable goods, such as automobiles, and for home improvements, etc. Banks also manage the property of customers under trust agreements and manage the cash positions of their business customers. They purchase and lease equipment to customers as an alternative to direct loans. Many banks also assist their customers with buying and selling securities through discount brokerage subsidiaries, the acquisition and sale of foreign currencies, the supplying of venture capital to start new businesses, and the purchase of annuities to supply future funding at retirement or for other long-term projects such as supporting a college education. All of these services are also offered by their closest competitors. Banks and their closest competitors are converging and becoming the financial department stores of the modern era.1-7. What is a financial department store? A universal bank? Why do you think these institutions have become so important in the modern financial system? Financial department store and universal bank refer to the same concept. A financial department store is an institution where banking, fiduciary, insurance, and security brokerage services are unified under one roof. A bank that offers all these services is normally referred to as a universal bank. These have become important because of convergence and changes in regulations that have allowed financial service providers to offer all services under one roof1-8. Why do banks and other financial intermediaries exist in modern society, according to the theory of finance?There are multiple approaches to answering this question. The traditional view of banks as financial intermediaries sees them as simultaneously fulfilling the financial-service needs of savers (surplus-spending units) and borrowers(deficit-spending units), providing both a supply of credit and a supply of liquid assets. A newer view sees banks as delegated monitors who assess and evaluate borrowers on behalf of their depositors and earn fees for supplying monitoring services. Banks also have been viewed in recent theory as suppliers of liquidity andtransactions services that reduce costs for their customers and, through diversification, reduce risk. Banks are also critical in the payment system for goods and services and have played an increasingly important role as a guarantor and a risk management role for customers.1-9. How have banking and the financial services market changed in recent years? What powerful forces are shaping financial markets and institutions today? Which of these forces do you think will continue into the future?Banking is becoming a more volatile industry due, in part, to deregulation which has opened up individual banks to the full force of the financial marketplace. At the same time the number and variety of banking services has increased greatly due to the pressure of intensifying competition from nonbank financial-service providers and changing public demand for more conveniently and reliably provided services. Adding to the intensity of competition, foreign banks have enjoyed success in their efforts to enter countries overseas and attract away profitable domestic business and household accounts.1-10. Can you explain why many of the forces you named in the answer to the previous question have led to significant problems for the management of banks and other financial firms and their stockholders?The net result of recent changes in banking and the financial services market has been to put greater pressure upon their earnings, resulting in more volatile returns to stockholders and an increased bank failure rates. Some experts see banks' role and market share shrinking due to restrictive government regulations and intensifying competition. Institutions have also become more innovative in their service offerings and in finding new sources of funding, such as off-balance-sheet transactions. The increased risk faced by institutions today, therefore, has forced managers to more aggressively utilize a wide array of tools and techniques to improve and stabilize their earnings streams and manage the various risks they face. 1-11. What do you think the financial services industry will look like 20 years from now? What are the implications of your projections for its management today? There appears to be a trend toward continuing consolidation and convergence. There are likely to be fewer financial service providers in the future and many of these will be very large and provide a broad range of financial services under one roof. In addition, global expansion will continue and will be critical to the survival of many financial service providers. Management of financial service providers willhave to be more technologically astute and be able to make a more diverse set of decisions including decisions about mergers, acquisitions and global expansion as well as new services to add to the firm.Problems and Projects1. You have just been hired as the marketing officer for the new First National Bank of Vincent, a suburban banking institution that will soon be serving a local community of 120,000 people. The town is adjacent to a major metropolitan area with a total population of well over 1 million. Opening day for the newly chartered bank is just two months away, and the president and the board of directors are concerned that the new bank may not be able to attract enough depositors and good-quality loan customers to meet its growth and profit projections. There are 18 other financial-service competitors in town, including two credit unions, three finance companies, four insurance agencies, and two security broker offices. Your task is to recommend the various services the bank should offer initially to build up an adequate customer base. You are asked to do the following:a.Make a list of all the services the new bank could offer, according to current regulations.b.List the type of information you will need about the local community tohelp you decide which of the possible services are likely to have sufficientdemand to make them profitable.c.Divide the possible services into two groups--those you think are essentialto customers and should be offered beginning with opening day, and thosethat can be offered later as the bank grows.d. Briefly describe the kind of advertising campaign you would like to run tohelp the public see how your bank is different from all the other financialservice providers in the local area. Which services offered by the nonblankservice providers would be of most concern to the new bank’smanagement?Banks can offer, if they choose, a wide variety of financial services today. These services are listed below. However, unless they are affiliated with a larger bank holding company and can offer some of these services through that company, it may be more limited in what it can offer.Regular Checking Accounts Management Consulting Services NOW Accounts Letters of CreditPassbook Savings Deposits Business Inventory Loans Certificates of Deposit Asset-Based Commercial Loans Money Market Deposits Discounting of Commercial Paper Automobile Loans Plant and Equipment Loans Retirement Savings Plans Venture Capital LoansNonauto Installment Loans to IndividualsResidential Real Estate Loans Leasing Plans for Business Property and EquipmentHome Improvement Loans Security Dealing and Underwriting Personal Trust Management Services Discount Security BrokerageCommercial Trust Services Institutional Trust Services Foreign Currency Trading and ExchangePersonal Financial Advising Personal Cash-Management ServicesInsurance Policy Sales (Mainly Credit-Life)Insurance Today (Except in Some States)) Standby Credit Guarantees Acceptance FinancingTo help the new bank decide which services to offer it would be helpful to gather information about some of the following items in the local community:School Enrollments and Growth in School EnrollmentsEstimated Value of Residential and Commercial PropertyRetail SalesPercentage of Home Ownership Among Residents in the AreaNumber and Size (in Sales and Work Force) of Local Business Establishments Major Population Locations (i.e., Major Subdivisions, etc.) and Any Projected Growth AreasPopulation Demographics (i.e., Age Distribution of the Area)Projected Growth Areas of Industries in the AreaEssential services the bank would probably want to offer right from the beginning includes:Regular Checking Accounts Home Improvement Loans Automobile and other Consumer-type Money Market Deposit Accounts Installment Loans Retirement Savings PlansNOW Accounts Business Inventory LoansPassbook Savings Deposits Discounting of High-QualityCommercial NotesResidential Real Estate LoansCertificates of DepositAs the bank grows, opportunities for the profitable sale of additional services usually increase, especially for trust services for individuals and smaller businesses and personal financial advising as well as some commercial (plant and equipment) loans and leases. Further growth may result in the expansion of commercial trust services as well as a widening variety of commercial loans and credit guarantees.The bank would want to develop an advertising campaign that sends a message to potential customers that the new bank is, indeed, different from its competitors. Small banks often have the advantage of offering highly personalized services in which their customers are known and recognized and services are tailored to each individual customer's special financial needs. Quality and reliability of banking service are often more important to individual customers than is price. A new bank must try to sell prospective customers, most of who will come from other banks in the area, on personalized services, quality, and reliability - all three of which should be emphasized in its advertising program.2. Leading money center banks in the United States have accelerated their investment banking activities all over the globe in recent years, purchasing corporate debt securities and stock from their business customers and reselling those securities to investors in the open market. Is this a desirable move by these banking organizations from a profit standpoint? From a risk standpoint? From the public interest point of view? How would you research their question? If you were managing a corporation that had placed large deposits with a bank engaged in such activities, would you be concerned about the risk to your company's funds? What could you do to better safeguard those funds?In the 1970's and early 1980's investment banking was so profitable that commercial bankers were lured into the investment banking business largely because of its greater profit potential than possessed by more traditional commercial banking activities. Later foreign banks, particularly the British and Japanese banking firms, began to attract away large corporate customers from U.S. banks, who were restrained by regulation from offering many investment banking services. Thus, U.S. banks ran into severe difficulty in simply trying to hold onto their traditional corporate credit and deposit accounts because they could not compete service-wise in the investment banking field. Today, banks are allowed to underwrite securities through either a subsidiary or through a holding company structure. This change occurred as part of the Gramm-Leach-Bliley Act (Financial Services Modernization Act).Unfortunately, if investment banking is more profitable than traditional banking product lines, it is also more risky, consistent with the basic tenet of finance that risk and return are directly related. That is why the Federal Reserve Board has placed such strict limits on the type of organization that can offer these services. Currently, the underwriting of most corporate securities must be done through a subsidiary or as a separate part of the holding company so that, in theory at least, the bank is not responsible for any losses incurred. For this reason there may be little reason for depositors (including large corporate depositors) to be concerned about risk exposure from investment banking. Moreover, the ability to offer such services may make U.S. banks more viable in the long run which helps their corporate customers who depend upon them for credit.On the other hand, opponents of investment banking powers for bank operations inside the U.S. have some reasonable concerns that must be addressed. There are, for example, possible conflicts of interest. Information gathered in the investment banking division could be used to the detriment of customers purchasing other bank services. For example, a customer seeking a loan may be told that he or she must buy securities from the bank's investment banking division in order to receive a loan. Moreover, banks could gain effective control over some nonblank industrial corporations which might subject them to added risk exposure and place industrial firms not allied with banks at a competitive disadvantage. As a result theGramm-Leach-Bliley Act has built in some protections to prevent this from happening.3. 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 o f the different kinds of “banks” as you 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?The general public tends to classify anything as a bank that offers some sort of financial service, especially deposit and loan services. Other institutions that are often referred to as a bank without being one are savings associations, credit unions, money market funds, mutual funds, hedge funds, security brokers and dealers, investment banks, finance companies, financial holding companies and life and property/casualty insurance companies. All of these institutions offer some of the services that a commercial bank offers, but generally not the entire scope of services. Since providers of financial services are normally called banks by the general public they are able to take away business from traditional banks and it is of utmost importance for commercial banks to clarify their unique position among financial services providers.4. What advantages can you see to banks affiliating with insurance companies? How might such an affiliation benefit a bank? An insurer? Can you identify any possible disadvantages to such an affiliation? Can you cite any real world examples of bank-insurer affiliations? How well do they appear to have worked out in practice?Before Glass-Steagall banks used to sell insurance services to their customers on a regular basis. in particular, banks would sell life insurance companies to loan customers to ensure repayment of the loan in case of death or disablement. These reasons still exist today and the right to sell insurances to customers again benefits banks in allowing them to offer their customers complete financial packages from financing the home or car to insure it, from giving investment advice to selling life insurance policies and annuities for retirement planning. Generally, a bank customer who is already purchasing a service from a bank might feel compelled to purchase an insurance product, as well. On the other hand, insurance companies sometimes have a negative image, which makes it more difficult to sell certain insurance products. Combining their products with the trust that people generally have in banks will make it easier for them to sell their products. The most prominent example of a bank-insurer affiliation is the merger of Citicorp and Traveler’s Insurance to Citigroup. However, given that Citigroup has sold Traveler’s Insurance indicates that the anticipated synergy effects did not materialize.5. Explain the difference between consolidation and convergence. Are these trends in banking and financial services related? Do they influence each other? How? Consolidation refers to increase in the size of financial institutions and the decline in the number of small independently owned banks and financial service providers. Convergence is the bringing together of firms from different industries to createconglomerate firms offering multiple services. Clearly, these two trends are related. In their effort to compete with each other, banks and their closest competitors have acquired other firms in their industry as well across industries to provide multiple financial services in multiple markets.6. What is a financial intermediary? What are their key characteristics? Is a bank a type of financial intermediary? Why? What other financial-services companies are financial intermediaries? What important role within the financial system do financial intermediaries play?A financial intermediary is a business that interacts with deficit spending individuals and institutions and surplus spending individuals and institutions. For that reason any financial service provider (including banks) is considered a financial intermediary. In their function as intermediaries they act as a bridge between the deficit and surplus spending units by offering financial services to the surplus spending individuals and then loaning those funds to the deficit spending individuals. Financial intermediaries accelerate economic growth by increasing the pool of available funds and lowering the risk of investments through diversification.。

《商业银行经营管理》试题及答案

《商业银行经营管理》综合练习一、单项选择题（下列每小题的备选答案中，只有一个符合题意的正确答案，多选、错选、不选均不得分。

本题共45个小题，每小题1分）1.近代银行业产生于（）。

A .英国B .美国C .意大利D .德国【答案】C2.1694年英国政府为了同高利贷作斗争，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（）。

A .英格兰银行B .曼切斯特银行C .汇丰银行D .利物浦银行【答案】A3.现代商业银行的最初形式是（）。

A .股份制银行B .资本主义商业银行C .高利贷性质银行D .封建主义银行【答案】B4.1897年在上海成立的（）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【答案】C5.（）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【答案】A6.单一银行制度主要存在于（）。

A .英国B .美国C .法国D .中国【答案】B7.商业银行的经营对象是（）。

A .金融资产和负债B .一般商品C .商业资本D .货币资金【答案】D8.对于发行普通股，下面的表述错误的是（）。

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，会产生杠杆作用【答案】D9.附属资本不包括（）。

A .未公开储备B .股本C .重估储备D .普通准备金【答案】B10.总资本与风险加权资本的比率不得低于（）。

A .7%B .8%C .9%D .10%【答案】B11.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】A12.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】C13.商业银行的（）是整个银行体系创造存款货币的基础。

商业银行经营与管理考试试题集及答案

商业银行经营与管理考试试题集及答案一、单选题1、历史上第一家股份制商业银行是（D）A威尼斯银行B阿姆斯特丹银行C纽伦堡银行D英格兰银行2、中国现代银行产生的标志是成立（C）A浙江兴业银行B交通银行C中国通商银行D中国银行3、银行借款人或交易对象不能按事先达成的协议履行义务的潜在可能性；也包括由于银行借款人或交易对象信用等级下降，使银行持有资产贬值是指（C）A、利率风险B、汇率风险C、信用风险D、经营风险4、国际清算银行通过了《巴塞尔协议》在（B）A、1986年B、1988年C、1994年D、1998年5、商业银行的资本计划可以分为多少个阶段（C）A、2个B、3个C、4个D、5个6、1996年1月，巴塞尔委员会允许银行采用自己的内部风险管理模型，但应同时满足定性与定量标准是通过制定（A）A、《测定市场风险的巴塞尔补充协议》B、《市场风险的资本标准建议》C、《预期损失和不可预见损失》D、《对证券化框架的变更》7、介于银行债券和普通股票之间的筹资工具，有固定红利收入，红利分配优于普通股票是（B）A、普通股B、优先股C、中长期债券D、债券互换8、可转让支付命令账户简称是（D）A、NCDs B MMDA C ATS D NOWs9、包括利息在内的花费在吸收负债上的一切开支，即利息成本和营业成本之和,它反映银行为取得负债而付出的代价是（C）A、利息成本B、营业成本C、资金成本D、相关成本10、商业银行票据结算的工具主要包括银行汇票、银行本票、支票和（B）A信用证B商业汇票C信用卡D提单11、是典型的含有期权性质的中间业务（A）A银行承诺B代理业务C银行担保D信托业务12、期权合约签定后，一但买方决定买进或卖出某金融资产时，卖方必须按照合约规定的内容无条件履行吗？（A）A是B不是C不一定D可以不履行13、商业银行国际业务的组织形式不包括（B）A代表处B代理行C分行D子公司或附属机构E合资联营银行14、回购协议属于商业银行（B）业务。

商业银行经营管理--试卷答案

1．历史上第一家资本主义股份制商业银行成立于_______。

A．1171年B．1609年C．1621年D．1694年（）2．银行资本内部融资的主要来源是_______。

A．发行普通股B．发行优先股C．未分配利润D．发行中长期债券（）3．非预期损失主要对应于。

A．一级资本B．二级资本 C．三级资本D．经济资本（）4．在商业银行存款中，所需流动性资金准备率最高的是_______。

A．稳定性货币负债 B．脆弱性货币负债C．安全性货币负债 D．游动性货币负债（）5．信用分析的原则主要有三种，即5W、5C、5P，三原则中对信用保证要求的描述为。

A.what；capacity；paymentB.how；collateral；protectionC.what；collateral；protectionD. how；collateral；protection（）6．借款人目前偿还贷款本息没有问题，但存在一些可能对偿还产生不利影响的因素，此种贷款是。

A．正常贷款B．关注贷款C．次级贷款D．不良贷款（）7．商业银行获取短期资金最简便的方法是_______。

A．同业拆借B．向央行再贴现C．证券回购D．国际金融市场融资（）8．对银行选择盈利资产具有最重要意义的成本概念是_______。

A. 利息成本B．资金成本C．其他成本D．可用资金成本（）9．商业银行首先必须坚持的经营原则是_______。

A．流动性B．安全性C．盈利性 D. 效益性（）10．按照银行流动性管理中的进取型原则，借入资金渠道不包括．．．_______。

A. 发行债券B. 向金融市场拆借资金C. 自身资产转换D. 大面额存单（）11．价格领导模型的利率基础是。

A．银行的短期贷款利率B．中央银行的再贴现率C．银行关系户的利率D．若干大银行统一的优惠利率（）12．利息保障倍数的计算公式是_______。

A. 税前净利/利息费用B．（税前息前利润+利息费用）/利息费用C. （税后利润+利息费用）/利息费用D．（税前净利+利息费用）/利息费用（）13．在对借款人财务状况进行分析时，杠杆比率的分析目的是帮助银行了解借款企业的。

商业银行管理彼得S.罗斯第八版课后答案chapter_01

商业银行管理彼得S.罗斯第八版课后答案chapter_01CHAPTER 1AN OVERVIEW OF BANKS AND THE FINANCIAL-SERVICES SECTORGoal of This Chapter: In this chapter you will learn about the many roles financial service providers play in the economy today. You will examine how and why the banking industry and the financial services marketplace as a whole is rapidly changing, becoming new and different as we move forward into the future. You will also learn about new and old services offered to the public.Key Topics in This ChapterPowerful Forces Reshaping the IndustryWhat is a Bank?The Financial System and Competing Financial-Service InstitutionsOld and New Services Offered to the PublicKey Trends Affecting All Financial-Service FirmsAppendix: Career Opportunities in Financial ServicesChapter OutlineI. I ntroduction: P owerful Forces Reshaping the IndustryII. W hat Is a Bank?A. D efined by the Functions It Serves and the Roles It Play:B. B anks and their Principal CompetitorsC. Legal Basis of a BankD. D efined by the Government Agency That Insures Its DepositsIII.The Financial System and Competing Financial-Service InstitutionsA.Savings AssociationsB.Credit UnionsC.Money Market FundsD.Mutual FundsE.Hedge FundsF.Security Brokers and DealersG.Investment BankersH.Finance CompaniesI.Financial Holding CompaniesJ.Life and Property/Casualty Insurance CompaniesIV. T he Services Banks and Many of Their Closest Competitors Offer the PublicA. S ervices Banks Have Offered Throughout History1.Carrying Out Currency Exchanges2.Discounting Commercial Notes and Making Business Loans3.Offering Savings Deposits4.Safekeeping of Valuables and Certification of Value5.Supporting Government Activities with Credit6.Offering Checking Accounts (Demand Deposits)7.Offering Trust ServicesB. S ervices Banks and Many of Their Financial-Service Competitors HaveOffered More Recently1.Granting Consumer Loans2.Financial Advising3.Managing Cash4.Offering Equipment Leasing5.Making Venture Capital Loans6.Selling Insurance Policies7.Selling Retirement PlansC. Dealing in Securities: Offering Security Brokerage and Investment Banking Services1. Offering Security Underwriting2. Offering Mutual Funds and Annuities3. Offering Merchant Banking Services4. Offering Risk Management and Hedging ServicesV. Key Trends Affecting All Financial-Service FirmsA. S ervice ProliferationB. R ising CompetitionC. G overnment DeregulationD. A n Increasingly Interest-Sensitive Mix of FundsE. T echnological Change and AutomationF. C onsolidation and Geographic ExpansionG. C onvergenceH. G lobalizationVI. T he Plan of This BookVII. S ummaryConcept Checks1-1. What is a bank? How does a bank differ from most other financial-service providers?A bank should be defined by what it does; in this case, banks are generally those financial institutions offering the widest range of financial services. Other financial service providers offer some of the financial services offered by a bank, but not all of them within one institution.1-2. Under U.S. law what must a corporation do to qualify and be regulated as a commercial bank?Under U.S. law, commercial banks must offer two essential services to qualify as banks for purposes of regulation and taxation, demand (checkable) deposits and commercial loans.More recently, Congress defined a bank as any institution that could qualify for deposit insurance administered by the FDIC.1-3.Why are some banks reaching out to become one-stop financial service conglomerates? Is this a good idea in your opinion?There are two reasons that banks are increasingly becoming one-stop financial service conglomerates. The first reason is the increased competition from other types of financial institution s and t he erosion of banks’ traditional service areas. The second reason is the Financial Services Modernization Act which has allowed banks to expand their role to be full service providers.1-4. Which businesses are banking’s closest and toughest com petitors? What services do they offer that compete directly with banks’ services?Among a bank’s closest competitors are savings associations, credit unions, money market funds, mutual funds, hedge funds, security brokers and dealers, investment banks, finance companies, financial holding companies, and life and property-casualty insurance companies. All of these financial service providers are converging and embracing each other’s innovations. The Financial Services Modernization Act has allowed many of these financial service providers to offer the public one-stop shopping for financial services.1-5. What is happening to banking’s share of the financial mark etplace and why? What kind of banking and financial system do you foresee for the future if present trends continue?The Financial Services Modernization Act of 1999 allowed many of the banks’ closest competitors to offer a wide array of financial services thereby taking away market share from “traditional” banks. Banks and their closest competitors areconverging into one-stop shopping for financial services and this trend should continue in the future1-6. What different kinds of services do banks offer the public today? What services do their closest competitors offer?Banks offer the widest range of services of any financial institution. They offer thrift deposits to encourage saving and checkable (demand) deposits to provide a means of payment for purchases of goods and services. They also provide credit through direct loans, by discounting the notes that business customers hold, and by issuing credit guarantees. Additionally, they make loans to consumers for purchases of durable goods, such as automobiles, and for home improvements, etc. Banks also manage the property of customers under trust agreements and manage the cash positions of their business customers. They purchase and lease equipment to customers as an alternative to direct loans. Many banks also assist their customers with buying and selling securities through discount brokerage subsidiaries, the acquisition and sale of foreign currencies, the supplying of venture capital to start new businesses, and the purchase of annuities to supply future funding at retirement or for other long-term projects such as supporting a college education. All of these services are also offered by their closest competitors. Banks and their closest competitors are converging and becoming the financial department stores of the modern era.1-7. What is a financial department store? A universal bank? Why do you think these institutions have become so important in the modern financial system? Financial department store and universal bank refer to the same concept. A financial department store is an institution where banking, fiduciary, insurance, and security brokerage services are unified under one roof. A bankthat offers all these services is normally referred to as a universal bank. These have become important because of convergence and changes in regulations that have allowed financial service providers to offer all services under one roof1-8. Why do banks and other financial intermediaries exist in modern society, according to the theory of finance?There are multiple approaches to answering this question. The traditional view of banks as financial intermediaries sees them as simultaneously fulfilling the financial-service needs of savers (surplus-spending units) and borrowers(deficit-spending units), providing both a supply of credit and a supply of liquid assets. A newer view sees banks as delegated monitors who assess and evaluate borrowers on behalf of their depositors and earn fees for supplying monitoring services. Banks also have been viewed in recent theory as suppliers of liquidity andtransactions services that reduce costs for their customers and, through diversification, reduce risk. Banks are also critical in the payment system for goods and services and have played an increasingly important role as a guarantor and a risk management role for customers.1-9. How have banking and the financial services market changed in recent years? What powerful forces are shaping financial markets and institutions today? Which of these forces do you think will continue into the future?Banking is becoming a more volatile industry due, in part, to deregulation which has opened up individual banks to the full force of the financial marketplace. At the same time the number and variety of banking services has increased greatly due to the pressure of intensifying competition from nonbank financial-service providers and changing public demand for more conveniently and reliably provided services. Adding to the intensity of competition, foreign banks have enjoyed success in their efforts to enter countries overseas and attract away profitable domestic business and household accounts.1-10. Can you explain why many of the forces you named in the answer to the previous question have led to significant problems for the management of banks and other financial firms and their stockholders?The net result of recent changes in banking and the financial services market has been to put greater pressure upon their earnings, resulting in more volatile returns to stockholders and an increased bank failure rates. Some experts see banks' role and market share shrinking due to restrictive government regulations and intensifying competition. Institutions have also become more innovative in their service offerings and in finding new sources of funding, such as off-balance-sheet transactions. The increased risk faced by institutions today, therefore, has forced managers to more aggressively utilize a wide array of tools and techniques to improve and stabilize their earnings streams and manage the various risks they face. 1-11. What do you think the financial services industry will look like 20 years from now? What are the implications of your projections for its management today? There appears to be a trend toward continuing consolidation and convergence. There are likely to be fewer financial service providers in the future and many of these will be very large and provide a broad range of financial services under one roof. In addition, global expansion will continue and will be critical to the survival of many financial service providers. Management of financial service providers willhave to be more technologically astute and be able to make a more diverse set of decisions including decisions about mergers, acquisitions and global expansion as well as new services to add to the firm.Problems and Projects1. You have just been hired as the marketing officer for the new First National Bank of Vincent, a suburban banking institution that will soon be serving a local community of 120,000 people. The town is adjacent to a major metropolitan area with a total population of well over 1 million. Opening day for the newly chartered bank is just two months away, and the president and the board of directors are concerned that the new bank may not be able to attract enough depositors and good-quality loan customers to meet its growth and profit projections. There are 18 other financial-service competitors in town, including two credit unions, three finance companies, four insurance agencies, and two security broker offices. Your task is to recommend the various services the bank should offer initially to build up an adequate customer base. You are asked to do the following:a.Make a list of all the services the new bank could offer, according to current regulations.b.List the type of information you will need about the local community tohelp you decide which of the possible services are likely to have sufficientdemand to make them profitable.c.Divide the possible services into two groups--those you think are essentialto customers and should be offered beginning with opening day, and thosethat can be offered later as the bank grows.d. Briefly describe the kind of advertising campaign you would like to run tohelp the public see how your bank is different from all the other financialservice providers in the local area. Which services offered by the nonblankservice providers would be of most concern to the new bank’smanagement?Banks can offer, if they choose, a wide variety of financial services today. These services are listed below. However, unless they are affiliated with a larger bank holding company and can offer some of these services through that company, it may be more limited in what it can offer.Regular Checking Accounts Management Consulting Services NOW Accounts Letters of CreditPassbook Savings Deposits Business Inventory Loans Certificates of Deposit Asset-Based Commercial Loans Money Market Deposits Discounting of Commercial Paper Automobile Loans Plant and Equipment Loans Retirement Savings Plans Venture Capital LoansNonauto Installment Loans to IndividualsResidential Real Estate Loans Leasing Plans for Business Property and EquipmentHome Improvement Loans Security Dealing and Underwriting Personal Trust Management Services Discount Security BrokerageCommercial Trust Services Institutional Trust Services Foreign Currency Trading and ExchangePersonal Financial Advising Personal Cash-Management ServicesInsurance Policy Sales (Mainly Credit-Life)Insurance Today (Except in Some States)) Standby Credit Guarantees Acceptance FinancingTo help the new bank decide which services to offer it would be helpful to gather information about some of the following items in the local community:School Enrollments and Growth in School EnrollmentsEstimated Value of Residential and Commercial PropertyRetail SalesPercentage of Home Ownership Among Residents in the AreaNumber and Size (in Sales and Work Force) of Local Business Establishments Major Population Locations (i.e., Major Subdivisions, etc.) and Any Projected Growth AreasPopulation Demographics (i.e., Age Distribution of the Area) Projected Growth Areas of Industries in the AreaEssential services the bank would probably want to offer right from the beginning includes:Regular Checking Accounts Home Improvement Loans Automobile and other Consumer-type Money Market Deposit Accounts Installment Loans Retirement Savings Plans NOW Accounts Business Inventory LoansPassbook Savings Deposits Discounting of High-QualityCommercial NotesResidential Real Estate LoansCertificates of DepositAs the bank grows, opportunities for the profitable sale of additional services usually increase, especially for trust servicesfor individuals and smaller businesses and personal financial advising as well as some commercial (plant and equipment) loans and leases. Further growth may result in the expansion of commercial trust services as well as a widening variety of commercial loans and credit guarantees.The bank would want to develop an advertising campaign that sends a message to potential customers that the new bank is, indeed, different from its competitors. Small banks often have the advantage of offering highly personalized services in which their customers are known and recognized and services are tailored to each individual customer's special financial needs. Quality and reliability of banking service are often more important to individual customers than is price. A new bank must try to sell prospective customers, most of who will come from other banks in the area, on personalized services, quality, and reliability - all three of which should be emphasized in its advertising program.2. Leading money center banks in the United States have accelerated their investment banking activities all over the globe in recent years, purchasing corporate debt securities and stock from their business customers and reselling those securities to investors in the open market. Is this a desirable move by these banking organizations from a profit standpoint? From a risk standpoint? From the public interest point of view? How would you research their question? If you were managing a corporation that had placed large deposits with a bank engaged in such activities, would you be concerned about the risk to your company's funds? What could you do to better safeguard those funds?In the 1970's and early 1980's investment banking was soprofitable that commercial bankers were lured into the investment banking business largely because of its greater profit potential than possessed by more traditional commercial banking activities. Later foreign banks, particularly the British and Japanese banking firms, began to attract away large corporate customers from U.S. banks, who were restrained by regulation from offering many investment banking services. Thus, U.S. banks ran into severe difficulty in simply trying to hold onto their traditional corporate credit and deposit accounts because they could not compete service-wise in the investment banking field. Today, banks are allowed to underwrite securities through either a subsidiary or through a holding company structure. This change occurred as part of the Gramm-Leach-Bliley Act (Financial Services Modernization Act).Unfortunately, if investment banking is more profitable than traditional banking product lines, it is also more risky, consistent with the basic tenet of finance that risk and return are directly related. That is why the Federal Reserve Board has placed such strict limits on the type of organization that can offer these services. Currently, the underwriting of most corporate securities must be done through a subsidiary or as a separate part of the holding company so that, in theory at least, the bank is not responsible for any losses incurred. For this reason there may be little reason for depositors (including large corporate depositors) to be concerned about risk exposure from investment banking. Moreover, the ability to offer such services may make U.S. banks more viable in the long run which helps their corporate customers who depend upon them for credit.On the other hand, opponents of investment banking powers for bank operations inside the U.S. have some reasonableconcerns that must be addressed. There are, for example, possible conflicts of interest. Information gathered in the investment banking division could be used to the detriment of customers purchasing other bank services. For example, a customer seeking a loan may be told that he or she must buy securities from the bank's investment banking division in order to receive a loan. Moreover, banks could gain effective control over some nonblank industrial corporations which might subject them to added risk exposure and place industrial firms not allied with banks at a competitive disadvantage. As a result the Gramm-Leach-Bliley Act has built in some protections to prevent this from happening.3. 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 o f the different kinds of “banks” as you can. How do the “banks” y ou 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?The general public tends to classify anything as a bank that offers some sort of financial service, especially deposit and loan services. Other institutions that are often referred to as a bank without being one are savings associations, credit unions, money market funds, mutual funds, hedge funds, security brokers and dealers, investment banks, finance companies, financial holding companies and life and property/casualty insurance companies. All of these institutions offer some of the services that a commercial bank offers, but generally not the entire scope ofservices. Since providers of financial services are normally called banks by the general public they are able to take away business from traditional banks and it is of utmost importance for commercial banks to clarify their unique position among financial services providers.4. What advantages can you see to banks affiliating with insurance companies? How might such an affiliation benefit a bank? An insurer? Can you identify any possible disadvantages to such an affiliation? Can you cite any real world examples of bank-insurer affiliations? How well do they appear to have worked out in practice?Before Glass-Steagall banks used to sell insurance services to their customers on a regular basis. in particular, banks would sell life insurance companies to loan customers to ensure repayment of the loan in case of death or disablement. These reasons still exist today and the right to sell insurances to customers again benefits banks in allowing them to offer their customers complete financial packages from financing the home or car to insure it, from giving investment advice to selling life insurance policies and annuities for retirement planning. Generally, a bank customer who is already purchasing a service from a bank might feel compelled to purchase an insurance product, as well. On the other hand, insurance companies sometimes have a negative image, which makes it more difficult to sell certain insurance products. Combining their products with the trust that people generally have in banks will make it easier for them to sell their products. The most prominent example of a bank-insurer affiliation is the merger of Citicorp and Traveler’s Insurance to Citigroup. However, given that Citigroup has sold Traveler’s Insurance indicates that the anticipated synergy effects did notmaterialize.5. Explain the difference between consolidation and convergence. Are these trends in banking and financial services related? Do they influence each other? How? Consolidation refers to increase in the size of financial institutions and the decline in the number of small independently owned banks and financial service providers. Convergence is the bringing together of firms from different industries to createconglomerate firms offering multiple services. Clearly, these two trends are related. In their effort to compete with each other, banks and their closest competitors have acquired other firms in their industry as well across industries to provide multiple financial services in multiple markets.6. What is a financial intermediary? What are their key characteristics? Is a bank a type of financial intermediary? Why? What other financial-services companies are financial intermediaries? What important role within the financial system do financial intermediaries play?A financial intermediary is a business that interacts with deficit spending individuals and institutions and surplus spending individuals and institutions. For that reason any financial service provider (including banks) is considered a financial intermediary. In their function as intermediaries they act as a bridge between the deficit and surplus spending units by offering financial services to the surplus spending individuals and then loaning those funds to the deficit spending individuals. Financial intermediaries accelerate economic growth by increasing the pool of available funds and lowering the risk of investments through diversification.。

《商业银行经营管理》试题及答案

《商业银行经营管理》试题及答案商业银行经营管理试题及答案一、选择题1. 商业银行的主要职能是：A. 存款业务B. 贷款业务C. 外汇业务D. 所有上述选项答案：D. 所有上述选项2. 商业银行对存款人存款的约定性质是：A. 非法约定B. 合法约定C. 不确定性质D. 没有约定答案：B. 合法约定3. 商业银行的贷款业务包括：A. 公司贷款B. 个人贷款C. 房地产贷款D. 所有上述选项答案：D. 所有上述选项4. 商业银行的外汇业务主要包括：A. 外汇存款B. 外汇贷款C. 外汇兑换D. 所有上述选项答案：D. 所有上述选项5. 商业银行的主要收入来源是：A. 存款利息B. 贷款利息C. 手续费及佣金收入D. 所有上述选项答案：D. 所有上述选项二、问答题1. 商业银行的资产负债表由哪几部分构成？简要解释其内容。

答：商业银行的资产负债表由资产、负债和所有者权益组成。

其中，资产包括现金、存放在央行的存款、贷款、债券、固定资产等；负债包括存款、发行债券等；所有者权益指商业银行的净资产，即净值。

2. 商业银行如何实施贷款风险管理？答：商业银行实施贷款风险管理主要包括风险评估、风险控制和风险监测。

首先，通过对贷款申请人的信用评估和还款能力评估，确定贷款风险的大小。

其次，商业银行通过设定贷款额度、利率等方式来控制贷款风险。

最后，商业银行需对已发放的贷款进行监测，及时发现并采取措施应对潜在风险。

3. 商业银行的利润是如何形成的？答：商业银行的利润主要来自三个方面：利息收入、手续费及佣金收入和其他收入。

利息收入是商业银行主要的收入来源，包括通过贷款和存款产生的利息收入。

手续费及佣金收入包括为客户提供的各种金融服务所收取的费用。

其他收入包括投资收益、汇兑收益等非利息收入。

4. 商业银行如何管理流动性风险？答：商业银行管理流动性风险的方法包括设定合理的流动性管理政策、建立流动性风险管理框架、进行流动性压力测试等。

商业银行经营与管理答案

商业银行经营与管理1、单选题商业银行通过吸收存款、发放贷款衍生出更多的存款货币，从而增加社会的货币供应量，体现了商业银行的( ）职能。

(A）信用中介（B）支付中介√（C）信用创造（D）金融服务参考答案:C 我的答案：分值:4 得分：0.0我国商业银行多以（)组织形式出现.（A) 连锁银行制√(B）分支行制(C）单一银行制(D）银行控股公司制参考答案：B 我的答案：分值：4 得分：0。

0商业银行是（）性质的机构。

√（A）企业(B）社会团体(C) 国家机构(D）事业单位参考答案:A 我的答案：分值：4 得分：0.0商业银行最基本的、也是最能反映其经营管理活动特征的职能是( ）职能。

√（A) 信用中介（B）支付中介(C) 信用创造（D）金融服务参考答案：A 我的答案：分值：4 得分：0.0世界上大部分国家商业银行组织形式实行的是（)。

（A）单一银行制√（B) 分支行制（C）连锁银行制(D) 银行控股公司制参考答案:B 我的答案：分值:4 得分：0。

0商业银行在经营过程中，能够随时满足客户提存需要和客户合理的贷款要求是指商业银行经营管理中（）.（A) 安全性原则√(B) 流动性原则(C) 盈利性原则(D) 效益性原则参考答案：B 我的答案：分值：4 得分：0.0金融体系的一般框架中，处于核心地位的是（)。

（A）商业银行(B）专业银行√(C）中央银行(D）保险公司参考答案：C 我的答案：分值：4 得分：0.0商业银行的经营管理的最终目标是( ）。

（A）流动性(B）安全性√（C) 盈利性(D）效益性参考答案:C 我的答案: 分值：4 得分：0.0在资金的筹集和贷放过程中,商业银行充当资金借入者和资金贷出者的中介，此时商业银行行使（）职能。

√（A) 信用中介（B）支付中介(C) 信用创造(D) 金融服务参考答案:A 我的答案：分值：4 得分：0。

0一般来说,商业银行的安全性和流动性之间是（）关系。

（A）负相关√（B）正相关(C）无（D) 不确定参考答案:B 我的答案：分值:4 得分：0.02、多选题以下选项中属于商业银行经营原则的“三性”的是（？? ）.√（A）安全性？？√(B) 盈利性（C) 效益性√(D) 流动性(E) 社会性参考答案：A B D 我的答案：分值：4 得分：0商业银行是一个特殊的企业，它的特殊性体现在（).√(A）经营内容的特殊√（B）经营方式的特殊√（C）对社会影响的特殊(D）经营目标的特殊√(E) 国家对商业银行管理的特殊参考答案：A B C E 我的答案: 分值：4 得分：0分支行制的优点表现为（)。

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（）。

[南开大学]21春学期《商业银行管理》在线作业 (440)[63084]

15.商业银行的主要负债和经常性的资金来源是()。 A.活期存款 B.定期存款 C.存款 D.储蓄存款答案：C
16.年初的资本/资产＝8％，各种资产为10亿元，年末的比例为7％，年末的未分配收益为0.2亿元，银行的适度资本为()亿元。 A.12.5 B.14.29 C.12.86 D.10.2 答案：B
17.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.储蓄存款 B.定期存款 C.支票 D.活期存款答案：B
18.金融体系的最后贷款人是()。 A.中央银行 B.商业银行 C.保险公司 D.证券公司答案：A
19.回购协议从即时资金供给者的角度，又称为()。 A.再贷款 B.再贴现 C.转贴现 D.返回购协议答案：D
2.银监会成立后，中国人民银行将只负责货币政策调控等一系列非直接监管金融机构的任务。答案：正确
7.在我国银行的贷款五级分类办法中，全部或部分已经损失的一类贷款称为()。 A.关注贷款 B.可疑贷款 C.次级贷款
D.损失贷款答案：D
8.我国的中央银行是()。 A.工商银行 B.中国人民银行 C.建设银行 D.招商银行答案：B
9.中国银行业监督管理委员会(China Banking Regulatory Commission，CBRC)简称银监会，是() 年正式挂牌成立的。 A.2002 B.2003 C.1999 D.2001 答案：B
7.商业银行贷款按保障条件可以分为()。 A.信用贷款 B.担保贷款 C.抵押贷款 D.票据贴现答案：ABD
8.银行库存现金周转时间的长短，受多种因素的影响，主要有()。 A.银行营业网点的分布状况和距离 B.交通运输工具的先进程度 C.经办人员的配置 D.出入库制度与营业时间的相互衔接情况答案：ABCD

《商业银行经营与管理》(毛秋容)作业集答案(专本科函授)

1、商业银行具有信用创造功能，其信用创造功能有一定的限度。

答：正确。

商业银行信用创造要受诸多因素的制约，一是要以存款为基础，二是要受中央银行准备金率，自身现金准备率的制约，三是要以有贷款要求为前提，如果没有足够的贷款需求，存款贷不出去就不能信用创造。

2、现金结算发展到非现金结算。

3、从买卖双方的直接结算向以银行为中介的结算发展。

4、货物单据化、履约证书化。

5、国际结算的发展趋势：电子化、无纸化、标准化和一体化。

1、按照国际惯例进行国际结算。

2、国际结算使用可兑换货币进行结算。

3、实行“推定交货”的原理。

4、商业银行成为结算和融资的中心。

4、答：主要有三大类：（1）汇款方式（International Remittance）通过银行的汇兑来实现国与国之间的债权债务的清偿和国际资金的转移。

（2）托收方式（Collection）出口方委托本地银行，通过进口地银行向进口方提2、按照目前的法律规定，中国公民可以成为商业银行的股东。

答：在目前的条件下，中国政府允许民间借款的存在，但不允许私人钱庄的存在。

3、深圳发展银行属于公开发行股份的银行，因此其股份可以上市交易。

答：深圳发展银行股份由三部分组成，一是国家股，二是企业股，三是社会公众股，前两部分股份不参考答案第一章导论一、名词解释1、商业银行：是以追求最大利润为目标，以多种金融负债筹集资金，以多种金融资产为其经营对象，能利用负债进行信用创造，并向客户提供多功能、综合性服务的金融企业。

2、信用创造：指商业银行利用其可以吸收活期存款的有利条件，通过发放借款，从事投资业务，而衍生出更多存款，从而扩大社会货币供给量。

3、单元制银行：指那些不设立或不能设立分支机构的商业银行，这种银行主要集中在美国。

4、分行制银行：是指那些在总行之下，可在本地或外地设有若干分支机构，并都可从事银行业务的商业银行，这种商业银行的总部一般都设在大都市，下属所有分支行处须由总行领导指挥。

《商业银行管理学》课后习题参考答案

《商业银行管理学》课后习题参考答案第一章1．金融制度对现代经济体系的运行起到了什么作用？（1）配置功能（2）节约功能（3）激励功能（4）调节功能2．商业银行在整个金融体系中有哪些功能？（1）金融服务功能（2）信用创造功能3．美国、英国、日本和德国的商业银行制度特征是什么？比较英美和日德的银行制度差异。

美国：是金融制度创新和金融产品创新的中心，拥有健全的法律法规对银行进行管制；竞争的激烈，使得美国商业银行具有完善的管理体系和较高的管理水平；受到双重银行体系的管制，即联邦和州权力机构都掌握着管制银行的权利。

英国：成立最早，经验丰富，实行分支行制；银行系统种类齐全、数量众多，按英国的分类，英国的银行主要包括清算银行，商人银行，贴现行，其他英国银行和海外银行等机构；不存在正式的制度化的银行管理机构，惟一的监管机构是作为中央银行的英格兰银行；典型的实行分业经营的国家。

日本：货币的统一发行集中到中央银行－日本银行；商业银行按区域划分的，具体可分为两大类型，即都市银行和地方银行；受到广泛的政府管制；二战前仿效英国业务分离的做法，之后随着环境的变化和经济的发展日本银行从1998年开始实行混业经营。

德国：由统一的中央银行－德意志联邦银行，统一发行货币，且德意志联邦银行被认为是欧洲各国中最具有独立性的中央银行。

德国银行高度集中，实行全能化的银行制度，密集程度是欧盟各国中最高的。

区别：英美在其业务上侧重存款的管理，而日德则侧重在贷款方面。

英美制度完善，有利于银行之间的竞争，日德法律体系发展相对缓慢。

4．根据你对我国银行业的认识，讨论我国银行业在国民经济中的地位以及制度特征。

答：地位：（1）我国的商业银行已成为整个国民经济活动的中枢（2）我国的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）商业银行已经成为社会经济活动的信息中心（4）商业银行已经成为国家实施宏观经济政策的重要途径和基础（5）商业银行成了社会资本运动的中心制度特征：建立商业银行原则，有利于银行竞争，有利于保护银行体系安全与稳定，使银行保持适当规模。

商业银行经营管理练习题及答案

商业银行经营管理练习题及答案第一章商业银行概述一、单项选择题1、1694年，（D）的成立标志着现代商业银行制度的建立。

A、威尼斯银行B、阿姆斯特丹银行C、汉堡银行D、英格兰银行2、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3、商业银行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的运用，这种职能被称为商业银行的（A）职能。

A、信用中介B、支付中介C、信用创造D、金融服务4、(A)是商业银行最基本也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、调节经济的职能5、商业银行利用活期存款账户，为客户办理货币结算、转账、兑换、转移存款等业务，这种功能被称为（B）功能。

A信用中介B支付中介C信用创造D金融服务6、商业银行利用吸收的活期存款，通过转账的方式发放贷款，从而衍生出更多存款，扩大社会货币供给量。

这种功能被称为（C）功能。

A信用中介B支付中介C信用创造D金融服务7、下列说法不正确的是（B）。

A、银行的普通股股东拥有表决权B、银行的优先股股东拥有表决权C、股东大会有权选举董事和监事D、股东大会可以决定银行的经营方针和投资计划8、商业银行经营活动的最终目标是（C）。

A、安全性目标B、流动性目标C、盈利性目标D、合法性目标9、属于商业银行一级准备的是（C）。

A、短期证券B、短期票据C、库存现金D、存款更多精品文档．学习-----好资料10、商业银行是（B）。

A、事业单位B、特殊企业C、国家机关D、商业机构二、多项选择题1、商业银行的职能有(ABCD)。

A、信用中介职能B、支付中介职能C、信用创造职能D、金融服务职能2、现代商业银行产生途径有（AB）。

A、早期银行转变过来B、股份制形式组建C、货币兑换D、货币经营业3、商业银行的经营原则是（BCD）。

A、政策性B、安全性C、流动性D、盈利性4、商业银行面临的风险主要有（ABD ABCD）。

《商业银行管理学》课后习题答案及解析(实用收藏)

《商业银行管理学》课后习题及题解第一章商业银行管理学导论习题一、判断题1. 《金融服务现代化法案》的核心内容之一就是废除《格拉斯－斯蒂格尔法》。

２。

政府放松金融管制与加强金融监管是相互矛盾的.3。

商业银行管理的最终目标是追求利润最大化。

4．在金融市场上,商业银行等金融中介起着类似于中介经纪人的角色.5. 商业银行具有明显的企业性质，所以常用于企业管理的最优化原理如边际分享原理、投入要素最优组合原理、规模经济原理也适用于商业银行。

6。

金融市场的交易成本和信息不对称决定了商业银行在金融市场中的主体地位.7。

企业价值最大化是商业银行管理的基本目标。

８。

商业银行管理学研究的主要对象是围绕稀缺资源信用资金的优化配置所展开的各种业务及相关的组织管理问题.９. 商业银行资金的安全性指的是银行投入的信用资金在不受损失的情况下能如期收回.二、简答题1。

试述商业银行的性质与功能.２。

如何理解商业银行管理的目标？3. 现代商业银行经营的特点有哪些? 4。

商业银行管理学的研究对象和内容是什么?5。

如何看待“三性"平衡之间的关系？三、论述题1. 论述商业银行的三性目标是什么,如何处理三者之间的关系。

２. 试结合我国实际论述商业银行在金融体系中的作用。

第一章习题参考答案一、判断题1.√2．× 3.× 4.√５.×6。

√7.×8。

√９。

√二、略；三、略.第二章商业银行资本金管理习题一、判断题1．新巴塞尔资本协议规定,商业银行的核心资本充足率仍为4％.2．巴塞尔协议规定,银行附属资本的合计金额不得超过其核心资本的50％.3。

新巴塞尔资本协议对银行信用风险提供了两种方法：标准法和内部模型法。

4. 资本充足率反映了商业银行抵御风险的能力。

5。

我国国有商业银行目前只能通过财政增资的方式增加资本金.６。

商业银行计算信用风险加权资产的标准法中的风险权重由监管机关规定.二、单选题1。

我国《商业银行资本充足率管理办法》规定，计入附属资本的长期次级债务不得超过核心资本的.A．20％B。

商业银行经营管理

（）是指银行信托机构根据客户的存款申请吸收存款并代为管理和运用的业务。

A. 信托贷款B. 委托存款C. 信托存款D. 委托贷款回答错误!正确答案： C利率敏感性资产与利率敏感性负债之比是指A. 信用风险比率B. 流动性风险比率C. 资本风险比率D. 利率风险比率回答错误!正确答案： D狭义的现金资产是指A. 法定准备金B. 超额准备金C. 库存现金D. 托收中的现金回答错误!正确答案： C不良贷款是指（）的总称A. 可疑类、次级类、损失类B. 关注类、次级类、可疑类C. 关注类、可疑类、损失类D. 关注类、次级类、损失类回答错误!正确答案： A发行优先股对商业银行的不足之处不包括A. 可以在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. 股息税后支付，增加了资金成本D. 不会稀释控制权回答错误!正确答案： D最早设立股份之银行的国家是A. 英国B. 美国C. 德国D. 意大利回答错误!正确答案： A银行可以长期利用的资金是A. 稳定性存款B. 脆弱性存款C. 易变性存款D. 季节性存款回答错误!正确答案： A下列术语债务性资本工具的是A. 可转换债券B. 资本溢价C. 普通股D. 优先股回答错误!正确答案： A（）是银行以债务人身份，为了满足其流动性或新增资产扩张的需要，而积极主动地举债的债务A. 主动负债B. 即将到期的负债C. 短期负债D. 存款类负债回答错误!正确答案： A资产转换理论认为保持资产流动性的最好方法是A. 可转换资产B. 现金资产C. 固定资产D. 流动资产回答错误!正确答案： A以下不属于商业银行不良资产的是A. 次级贷款B. 损失贷款C. 关注贷款D. 可以贷款回答错误!正确答案： C商业银行最主要的资产业务是A. 贷款业务B. 消费信贷业务C. 现金业务D. 证券投资业务回答错误!正确答案： A因负债增加引起银行风险增加而必须付出的代价是指A. 风险成本B. 营业成本C. 连锁反应成本D. 资金成本回答错误!正确答案： A从资产负债平衡的角度去协调银行安全性、流动性、效益性之间的矛盾，使银行经营管理更为科学的理论是A. 预期收入理论B. 资产负债综合管理理论C. 资产管理理论D. 负债管理理论回答错误!正确答案： B以下属于银行资本的内部融资方法的是A. 出售资产与租赁设备B. 银行利润转增资本C. 发行长期次级债券D. 发行普通股回答错误!正确答案： B有关个人住房抵押贷款说法不正确的是A. 贷款证券化的主要对象B. 消费信贷的一种C. 银行拥有住宅抵押权D. 借款期限一般较短回答错误!正确答案： D中国银行业监督管理委员会是（）年正式挂牌成立的。

商业银行管理彼得S.罗斯第八版课后答案

商业银行管理彼得S.罗斯第八版课后答案第一章现代商业银行的概述1.解释现代商业银行的定义和特点。

商业银行是一种金融机构，主要从事存款、贷款、支付和其他与金融活动相关的业务。

其特点包括但不限于：收取利息和手续费、进行风险管理、提供信贷和储蓄服务、发行货币等。

2.列举现代商业银行的主要功能。

现代商业银行的主要功能包括但不限于：存款业务、贷款业务、国际业务、支付结算、外汇交易、信用和担保、投资银行业务、资金运作等。

3.商业银行与其他金融机构的区别是什么？和其他金融机构相比，商业银行的最大区别在于其可以发行货币，并具有相应的存储和支付功能。

此外，商业银行还可以从中央银行和其他金融机构获得流动性支持。

此外，商业银行还拥有广泛的客户群体和网络，可以提供多样化的金融产品和服务。

第二章商业银行的治理结构1.解释商业银行的治理结构。

商业银行的治理结构是指银行内各个决策层级和机构之间相互关系的安排和管理方式。

这包括董事会、监事会、高级管理层等。

2.详细描述商业银行治理结构中各种角色的职责和权力。

•董事会：负责制定银行的战略方向和政策，监督高级管理层的工作表现。

•监事会：负责审计和监督董事会和高级管理层的工作，确保其合法、合规。

•高级管理层：负责银行的日常经营管理，执行董事会决策，负责风险管理和业绩目标的实现。

•内部控制机构：负责制定和实施内部控制制度，保障银行运营的合规性和风险控制。

3.商业银行的治理结构有哪些挑战和改进措施？商业银行的治理结构面临的主要挑战包括：信息不对称、利益冲突、监管合规等。

为了改善这些问题，银行可以采取以下措施：加强内部控制机制、设立独立董事、加强风险管理和合规审查等。

第三章商业银行的资本管理1.商业银行为什么需要资本？商业银行需要资本来保证其业务的顺利运作。

资本可以用于覆盖银行风险、偿还债务、承担损失等。

同时，一定水平的资本也是银行移植的法定要求。

2.商业银行的资本可以来源于哪些渠道?商业银行资本的主要来源有：股东投资、利润留存、债务融资、政府注资等。

商业银行答案

第二章商业银行资本管理二、单项选择题1．商业银行的核心资本由( C )构成A．股本和债务性资本 B. 普通股和优先股C．普通股和公开储备 D. 股本和公开储备2．巴塞尔协议中要求银行的最低资本限额为加权风险资产的( C )A. 4%B. 7%C. 8%D. 9%3．发行股票时，股票实际销售价格超过面值的溢价部分是商业银行资本构成中的( B )A. 留存盈余B. 资本盈余C. 营业盈余D. 未分配利润4．银行资本的关键作用是( A )以消除不稳定因素A. 吸收意外损失B. 防范经营风险C. 展示银行实力D. 保障资本充足率5．下列关于银行资本需要量的表述正确的是( C )A．银行资本需要量与资本成本正相关B．银行资本需要量与资本成本负相关C．银行资本成本曲线呈“U”字形，其最低点对应的资本量为最佳资本需要量D ．银行规模越大，资本需要量相对地也越多。

三、多项选择题1．下列属于资本范畴的有( ABCDE )A. 公开储备B. 未公开储备C. 重估储备D. 债务性资本工具E. 一般准备金2. 商业银行的核心资本包括( ABCE )A. 普通股B. 优先股C. 公开储备D. 未公开储备E. 未分配利润3．商业银行资本的作用有( ABCDE )A．赖以生存和发展的基本条件 B. 监管银行的主要手段C．扩大资产规模的基础 D. 树立银行形象的基础E．对存款人利益的保障4．通过( ABCDE )策略可达到提高资本充足率的目的A．发行普通股 B. 发行优先股 C. 发行长期次级债券 D.压缩资产规模E. 降低资产风险程度5．商业银行附属资本包括( CDE )A．股本 B. 公开储备 C. 非公开储备 D. 债务资本 E. 混合资本工具6． 1988 年的《巴塞尔协议》由(ABCDE )几部分内容构成A. 资本定义与构成B. 资产风险权重C. 资本充足性的衡量D. 目标标准比率E. 过渡期的安排7．《巴塞尔新协议》的突出特点是提出了“三大支柱”的概念，是指 ( BDE ) A．资本充足率 B. 关于最低资本要求 C. 资产风险权重D．对资本充足率的监督检查 E. 市场纪律8．商业银行提高提高资本充足率的措施有( ABCDE )A．留存盈余 B. 发行股票 C. 发行资本性票据和债券 D. 压缩资产规模 E. 调整资产结构第三章二、单项选择题1、以下哪种业务为银行被动型负债业务( B )A 贷款B 存款C 向中央银行借款D 向商业银行借款2、自动转账服务要求客户在银行账户开立两个账户： ( A )A 储蓄账户和活期存款账户B 储蓄账户和定期存款账户C 活期存款账户和定期存款账户D 储蓄账户和投资账户3、大额可转让定期存单这是定期存款的创新品种，由哪家银行于 1961 年首创： ( D )A.大通银行B.富士银行C.美洲银行D.美国花旗4、养老金储蓄、教育账户、假期账户 .宠物账户等等属于哪类存款创新工具： (B )A.投资账户B.特种储蓄存款C.个人退休金账户D. 自动转账服务5. 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 ) 。