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swift mt103例题

swift mt103例题Swift MT103 是 Swift 消息格式的一种，用于国际银行间资金转账。

这是一个非常复杂和专业的文件格式，因此，这里只能提供一些关于如何处理Swift MT103 的基础信息和步骤。

以下是一个 Swift MT103 的简单示例：```swift{"35A": "001", // 报文类型"20F": "BIC", // BIC（银行识别码）"23B": "001", // 业务类型"50K": "Receiver's Name", // 收款人名称"59K": "Receiver's Account Number", // 收款人账号"27C": "1000", // 金额"40C": "Currency Code", // 货币代码"53A": "Description of the Transaction", // 交易描述"57A": "Institution's Name", // 机构名称"708": "Message Text", // 消息文本...}```这只是一个非常基础的示例，实际的 Swift MT103 报文可能包含更多的字段和更复杂的信息。

要正确地处理 Swift MT103 报文，需要深入了解其格式和标准。

如果你正在尝试解析或生成 Swift MT103 报文，你可能需要使用一些专门的库或工具来帮助你。

这些库通常会提供一些函数和方法，使你能够方便地添加、修改或删除报文中的字段。

银行排队系统实验报告

一、实验目的1. 熟悉银行排队系统的基本原理和设计方法；2. 掌握使用C语言实现银行排队系统的基本操作；3. 培养团队合作精神和实践能力。

二、实验环境1. 操作系统：Windows 102. 编程语言：C语言3. 开发工具：Visual Studio三、实验内容1. 银行排队系统简介银行排队系统是一种模拟真实银行排队场景的程序，主要功能包括：客户到达、排队、服务、离开等。

通过模拟银行排队过程，我们可以了解银行排队系统的基本原理，并为实际应用提供参考。

2. 系统设计（1）数据结构本系统采用队列数据结构来存储排队客户。

队列是一种先进先出（FIFO）的数据结构，适用于模拟银行排队场景。

（2）功能模块本系统主要包括以下功能模块：1）客户到达模块：模拟客户到达银行，并随机生成客户信息，如客户ID、到达时间、服务时间等；2）排队模块：根据客户到达顺序，将客户信息依次加入队列；3）服务模块：按照客户排队顺序，为每位客户提供服务，并更新客户状态；4）离开模块：客户服务完成后，从队列中移除该客户信息；5）统计模块：记录客户服务次数、平均等待时间、最长等待时间等数据。

（3）实现方法1）客户到达模块：使用随机数生成器生成客户信息，并将客户信息存入队列；2）排队模块：当客户到达时，将客户信息加入队列尾部；3）服务模块：从队列头部取出客户信息，为该客户提供服务，并更新客户状态；4）离开模块：当客户服务完成后，从队列中移除该客户信息；5）统计模块：记录客户服务次数、平均等待时间、最长等待时间等数据。

3. 实验步骤（1）初始化系统，设置窗口数量和客户到达时间间隔；（2）模拟客户到达，生成客户信息并加入队列；（3）按照客户到达顺序，为每位客户提供服务；（4）记录客户服务次数、平均等待时间、最长等待时间等数据；（5）统计实验结果，分析银行排队系统性能。

四、实验结果与分析1. 实验结果通过实验，我们得到了以下数据：（1）客户服务次数：100次；（2）平均等待时间：5分钟；（3）最长等待时间：15分钟。

AlphaScreen SureFire STAT3 (p-Tyr705) Assay Kits产品

AlphaScreen®SureFire®STAT3 (p-Tyr705) Assay KitsManualAssay Points Catalog #500TGRS3S50010 000TGRS3S10K50 000TGRS3S50KFor Research Use OnlyResearch Reagents for Research Purposes OnlyGeneral Information on the AlphaScreen® SureFire® p-STAT3 assayThe AlphaScreen® SureFire® p-STAT3 assay is used to measure the phosphorylation of endogenous STAT3αand STAT3βin cellular lysates. The assay is an ideal system for the screening of both modulators of receptor activation (e.g. agonists and antagonists) as well as agents acting intracellularly, such as small molecule inhibitors of upstream events. The assay will measure STAT3 phosphorylation by either cloned or endogenous receptors, and can be applied to primary cells.This assay eliminates the need for laborious techniques, such as Western blotting or conventional ELISA. It is a homogeneous assay, in that no sample washing steps are required, which allows for minimal handling, short assay times, and robotic operation if desired. The assay utilizes the bead-based Alpha Technology, and requires an Alpha Technology-compatible plate reader.Alpha Technology AlphaScreen® SureFire® Assay PrincipleAlphaScreen® SureFire® technology allows the detection of phosphorylated proteins in cellular lysates in a highly sensitive, quantitative and user friendly assay. In these assays, sandwich antibody complexes, which are only formed in the presence of analyte, are captured by AlphaScreen donor and acceptor beads, bringing them into close proximity. The excitation of the donor bead provokes the release of singlet oxygen molecules that triggers a cascade of energy transfer in the Acceptor beads, resulting in the emission of light at 520-620nm.Kit-Specificity informationThis assay kit contains antibodies which recognize the phospho-Tyr705-epitope, and a distal epitope on STAT3αand STAT3β. The proteins detected by this kit correspond to GenBank Accessions NP_644805 and NP_998827.These antibodies recognize STAT3 of human, mouse and rat origin. Other species should be tested on a case-by-case basis.Kit ContentsKit Size500 points10,000 points50,000 pointsLysis buffer (5X) 1 x 10 mL 4 x 60 mL 3 x 400 mL Activation buffer 1 x 2 mL 1 x 60 mL 1 x 300 mL Reaction buffer 1 x 2.6 mL 1 x 45 mL 1 x 225 mL Dilution buffer 1 x 1.5 mL1 x 25 mL2 x 60 mLPositive Control Lysate 1 tube to be re-dissolved in 250 µL H 2O Negative Control Lysate1 tube to be re-dissolved in 250 µL H 2OStorage conditions upon receiptThe kit buffers e.g. 5X Lysis buffer, Activation buffer and Reaction buffer should be stored at 4°C. DO NOT freeze the kit buffers – the Reaction buffer contains antibodies and freeze/thaw cycles can lead to a loss of activity.Materials Required But Not ProvidedThe AlphaScreen SureFire assay kits are optimized to work with AlphaScreen Protein A general IgG detection beads. These are available separately from PerkinElmer. The AlphaScreen Protein A general IgG detection kits contain a biotinylated rabbit IgG control, which can be used to test the instrument settings and bead performance.ItemSuggested source Catalog # Size Protein A general IgG detection kit(contains the Acceptor and Donor Beads) PerkinElmer Inc. 6760617C 6760617M 6760617R 500 pt 10,000 pt 50,000 pt Proxiplate™-384 Plus, white, shallow well assay platePerkinElmer Inc. 6008280 6008289 50/box 200/box Optiplate™-384 Plus, white, assay plate PerkinElmer Inc. 6007290 6007299 50/box 200/box TopSeal-A 384, clear adhesive sealing film PerkinElmer Inc. 6050185100/boxEnvision® or Enspire® Alpha-readerPerkinElmer Inc.--Buffer preparation and subsequent storage conditions5X Lysis bufferStore 5X Lysis buffer at 4°C. For assay, dilute 5-fold in water immediately prior to use. Discard unused buffer. Activation bufferPrecipitation will occur during storage 4°C. To re-dissolve, warm to 37°C and mix. Alternatively, Activation buffer can be stored at room temperature with no loss in activity.Reaction buffer*Keep on ice while in use. Do not freeze.Once diluted discard unused reaction buffer. AlphaScreen ® Protein A IgG KitStore at 4°C in the dark.Acceptor Mix(Reaction buffer + Activation buffer +AlphaScreen ® Acceptor beads)Immediately prior to use, dilute Activation buffer B 5-fold in Reaction buffer (e.g. take 98 μL Activation buffer and dilute in 392 μL Reaction buffer).Dilute Acceptor beads 50-fold in Acceptor mix (e.g. add10 μL Acceptor beads to 490 μL of premixed Reactionbuffer + Activation buffer).The Acceptor mix should be used immediately for best results. Excess mix should be discarded.Donor Mix**(Dilution buffer + AlphaScreen ®Donor beads)Immediately prior to use, dilute Donor beads 20-fold in Dilution buffer (e.g. add 10 μL Don or beads to 190 μLDilution buffer).The Donor mix should be used immediately for best results. Excess mix should be discarded.Assay Control lysateAfter reconstitution in 250 μL water, lysates should be frozen at -20°C in single use aliquots and used within 1 month.* Do not vortex the Reaction buffer, as vigorous mixing can damage some antibodies. ** Prepare and use Donor Mix under low-light conditions.Control Lysate informationControl lysates are prepared from A431 cells (ATCC #CRL-1555) at a concentration of approximately 1 mg/mL. The controls are supplied lyophilized, and should be reconstituted in either dd H 2O or MilliQ® H 2O. Once reconstituted, lysates should be stored frozen in single use aliquots.Negative Lysate: Prepared from A431 cells treated with EGF receptor inhibitor (2 μM AG1478)for 2 hours prior to lysis.Positive Lysate: Prepared from A431 cells treated with 200 ng/mL EGF for 10 minutes.p-STAT3 AlphaScreen® SureFire® Assay ProtocolsA. 2-Plate Assay - assay protocol for adherent cellsCell Seeding1. Seed cell s (200 μL of cells for 96 well plates, 50 μL for 384 well plates) in tissue culture plates. Incubate at 37°C overnight in serum-containing media.Cell Treatment2. Remove culture media, and stimulate the cells with 50 μL agonists prepared in serum-free media (25 µL for 384-well plates). (If testing antagonists, prior to stimulation remove culture medium and replace with 50 μL serum-free media containing antagonists (25 µL for 384-well plates)). Return cells to 37°C incubator for desired time. 1 hour is often sufficient for signal transduction inhibitors, and 5 minutes for receptor agonists.Note: Peptidic agonists and antagonists can often stick to plastic surfaces. To minimize this effect, dilute in serum-free media containing a suitable carrier protein (e.g. 0.1% IgG free BSA - Jackson Immunoresearch Cat #001-000-161).Lysate Preparation5. To lyse cells, remove medium from wells, and add freshly prepared 1X Lysis Buffer(50-100 μL fora 96 well plate, 25 μL for a 384 well plate). Agitate on a plate shaker (~350 rpm) for 10 minutes at room temperature.6. Take 4 μL of the lysate and transfer to a 384-well Proxiplate™ for assay. (Add 4 μL Control lysates to separate wells if required).SureFire Assay7. Add 5 μL of Acceptor Mix to wells. Seal plate with Topseal-A adhesive film, and incubate for 2 hours at room temperature.8. Add 2 μL of Donor Mix to wells under subdued light. Seal plate with Topseal-A adhesive film, and cover plate with foil. Incubate for 2 hours at room temperature.Note: Longer incubation may give greater sensitivity. Plates can be incubated overnight if required.9. Read plate on an Alpha Technology-compatible plate reader, using standard AlphaScreen settings.B. 1 Plate Assay - assay protocol for non-adherent cells, and for high-throughput applications. Note: the larger volumes required using this assay will result in achieving less assay points per kit. Cell Seeding1. Harvest cells by centrifugation, and re-suspend cells in HBSS at a suitable cell density. We recommend 107cells/mL as a starting point. Seed 4 μL of cells/well into a 384-well culture plate.2. If using test agents/inhibitors, add 2 μL/well of 4X inhibitors prepared in HBSS.Note: Peptidic agonists and antagonists can often stick to plastic surfaces. To minimize this effect, dilute in serum-free media containing a suitable carrier protein (e.g. 0.1% IgG free BSA - Jackson Immunoresearch Cat #001-000-161).3. Return cells to incubator at 37°C for 1-2 hours.Cell Treatment4. Stimulate cells with agonists by addition of 2 μL/well of 4X agonist stock in HBSS containing 0.1% BSA. The final volume in the wells should be 8 μL. (if no antagonists were used in step 2, stimulate the cells with 4 μL/well of 2X agonist, to give a final volume in the wells of 8 μL.)Lysate Preparation5. To lyse the cells, add 2 μL/well 5X Lysis buffer.(Add 10 μL control lysates to separate wells if required)SureFire Assay6. Add 8 μL of Acceptor Mix to wells. Seal plate with Topseal-A adhesive film, and incubate for 2 hours at room temperature.7. Add 3 μL of Donor Mix to wells under subdued light. Seal plate with Topseal-A adhesive film, and cover plate with foil. Incubate for 2 hours at room temperature.Note: Longer incubation may give greater sensitivity. Plates can be incubated overnight if required.8. Read plate on an Alpha Technology-compatible plate reader, using standard AlphaScreen settings.Representative DataWestern blot analysis (35 μg protein/lane) of phospho-STAT3 in lysates generated from either unstimulated (-) or IL6-stimulated (+) THP-1 cells, or the AlphaScreen SureFire assay (3.5 μg protein/well), using the standard 2-plate protocol.THP-1 cells (ATCC Cat# TIB-202) were harvested from growing flasks, resuspended in HBSS, and seeded at 25K cells/well in 384-well microplates. Cells were incubated for 2 hours at 37°C, and stimulated with IL-6 for 10 minutes at room temperature (left) or pre-treated with JAK inhibitor I for 2 hours at 37°C, then stimulated with IL-6 (right). Cells were lysed with 5X Lysis buffer with shaking at RT for 10 minutes, and analyzed for phospho-STAT3 using the standard 1-plate protocol.Frequently Asked Questions & TroubleshootingFor comprehensive information on assay optimization and troubleshooting, please refer to the following resources:▪ Guide to AlphaScreen® SureFire ® assay optimization ▪ AlphaScreen® SureFire ® user guideTo download these resources, and other related technical information, visit /category/alpha-surefire-kitsFor general information on AlphaScreen® SureFire ® assays, visit - +Customer CareTo contact the customer care team, please visit /ServiceCallFor more information regarding related AlphaScreen® SureFire® products andprotocols refer to:PerkinElmer web site: TGR BioSciences website: FOR RESEARCH USE ONLY. NOT FOR USE IN DIAGNOSTIC PROCEDURES.This product is not for resale or distribution except by authorized distributors.LIMITED WARRANTY: PerkinElmer, Inc. warrants that, at the time of shipment, the products sold by it are free from defects in material and workmanship and conform to specifications which accompany the product. PerkinElmer Inc. makes no other warranty, express or implied with respect to the products, including any warranty of merchantability or fitness for any particular purpose. Notification of any breach of warranty must be made within 60 days of receipt unless provided in writing by PerkinElmer Inc. No claim shall be honored if the customer fails to notify PerkinElmer Inc. within the period specified. The sole and exclusive remedy of the customer for any liability of PerkinElmer Inc. of any kind including liability based upon warranty (express or implied whether contained herein or elsewhere), strict liability contract or otherwise is limited to the replacement of the goods or the refunds of the invoice price of goods. PerkinElmer Inc. shall not in any case be liable for special, incidental or consequential damages of any kind.。

网络银行实验报告

一、实验名称：网络银行操作实验二、实验日期：2023年10月25日三、实验类型：应用性实验四、实验设备：接入互联网的计算机、网络银行平台账号五、实验目的：1. 熟悉网络银行的基本操作流程；2. 了解网络银行的各种业务功能；3. 掌握网络银行的安全使用方法；4. 比较不同网络银行的服务特点。

六、实验内容与步骤：1. 登录网络银行平台（1）打开浏览器，输入网络银行网址；（2）输入账号、密码进行登录。

2. 查看账户信息（1）登录成功后，查看账户余额、交易记录等基本信息；（2）了解账户的各类功能。

3. 转账操作（1）选择转账功能；（2）填写收款人信息、转账金额、备注等；（3）确认转账信息无误后，提交转账申请。

4. 查看交易记录（1）进入交易记录页面；（2）查看历史交易记录，包括转账、充值、提现等；（3）对交易记录进行筛选、导出等操作。

5. 支付宝、微信支付绑定（1）进入绑定支付页面；（2）根据提示绑定支付宝、微信支付；（3）完成绑定后，可使用绑定账户进行快捷支付。

6. 修改密码（1）进入个人设置页面；（2）选择修改密码功能；（3）按照提示输入原密码、新密码、确认密码；（4）修改成功后，使用新密码登录。

7. 查看银行理财产品（1）进入理财产品页面；（2）了解各类理财产品信息，包括收益率、投资期限等；（3）选择心仪的理财产品进行购买。

8. 安全使用网络银行（1）设置复杂的登录密码，定期更换；（2）开启短信验证、双因素认证等安全功能；（3）不点击来历不明的链接，防止钓鱼网站；（4）关注账户交易异常，及时联系银行客服。

七、实验结果与分析：1. 实验过程中，成功登录网络银行平台，查看账户信息、进行转账操作、绑定支付工具、修改密码等；2. 实验过程中，掌握了网络银行的基本操作流程，熟悉了各类业务功能；3. 通过对比不同网络银行的服务特点，了解到各家银行在用户体验、功能设置、安全性等方面的差异；4. 实验过程中，学会了如何安全使用网络银行，提高了网络安全意识。

数据结构银行业务模拟实验报告

数据结构银行业务模拟实验报告1. 背景随着信息技术的快速发展，银行业务的处理和管理变得越来越复杂，需要高效的数据结构来支持。

在这个实验中，我们将使用数据结构来模拟银行业务的处理过程，以评估不同数据结构对于银行业务的影响。

2. 分析2.1 问题描述我们需要模拟一个银行的业务处理过程，包括客户排队、办理业务、等待时间等方面的模拟。

具体而言，我们需要解决以下问题：1.如何表示客户队列和银行窗口？2.如何模拟客户到达和离开的过程？3.如何计算客户等待时间和平均等待时间？4.如何评估不同数据结构对于银行业务处理效率的影响？2.2 设计思路为了解决上述问题，我们可以采用以下设计思路：1.使用队列来表示客户队列，每个元素表示一个客户。

2.使用数组或链表来表示银行窗口，每个元素表示一个窗口。

3.模拟客户到达和离开的过程时，将客户加入队列或从队列中移除。

4.计算客户等待时间时，可以记录客户进入队列的时间和离开队列的时间。

5.通过多次实验，统计客户的平均等待时间。

6.对比不同数据结构的处理效率，可以比较它们的平均等待时间和处理时间。

2.3 数据结构选择在这个实验中，我们需要选择适合模拟银行业务的数据结构。

根据问题描述和设计思路，我们可以选择以下数据结构：1.队列：用于表示客户队列。

队列具有先进先出（FIFO）的特性，非常适合模拟排队等待的场景。

2.数组或链表：用于表示银行窗口。

数组具有随机访问的特性，在某些情况下可能更高效；链表则更适合频繁插入和删除操作。

3. 实验结果3.1 实验设置为了评估不同数据结构对于银行业务处理效率的影响，我们进行了多次实验。

每次实验中，我们模拟了一定数量的客户到达银行，并记录了每个客户离开时的等待时间。

3.2 实验结果分析根据实验结果，我们计算了不同数据结构下客户的平均等待时间，并进行了比较。

以下是实验结果的总结：数据结构平均等待时间队列10分钟数组12分钟链表9分钟从上表可以看出，使用队列作为客户队列的数据结构具有最低的平均等待时间，而使用数组作为银行窗口的数据结构具有最高的平均等待时间。

银行模拟系统实验

社会调查实验报告课程社会调查二级学院专业班级学生姓名学号教师时间 2011年12月-2012年1月重庆****大学经济管理实验教学中心实验活期存储业务实验日期2011年12月26日实验地点第二实验楼小组成员一、【实验项目名称】活期储蓄业务二、【实验目的与要求】实验目的1、使学生更加熟悉银行的活期储蓄业务，包括开户、支取、续存及销户等业务。

2、让学生加深对银行业的基础知识的了解，以全面的了解银行的各方面的知识。

3、使得学生能够将理论讲授与操作时间相结合，提高学生的实际操作能力。

实验要求1、通过对银行模拟教学实验的使用，要求学生能够对不同的业务进行比较，更好的理解活期储蓄业务中不同业务的区别，强化对活期业务的流程。

2、要求学生能够用不断循环往复的体验学习，强化对银行具体岗位的了解，为将来的实际应用奠定基础。

三、【实验设备与环境】计算机、银行模拟教学平台、校园网四、【实验内容】1、工前处理：进入机房→网点开机【9071】→进入对私业务柜台→机构签到【9073】2、活期开户（存折开户、一本通开户）受理业务→查看钱钞和凭证→接受→取出凭证→活期开户【1011】→盖章→提交客户→凭证归单据箱→钱钞归财务箱→结束业务3、活期续存（存折续存、一本通续存、卡续存）受理业务→查看钱钞和凭证→接受→活期开户【1001】→客户签字→盖章→提交客户→凭证归单据箱→钱钞归财务箱→结束业务4、活期账户对转（存折对转、卡折对转）受理业务→查看凭证→接受→活期开户【1001】→客户签字→盖章→提交客户→凭证归单据箱→结束业务5、活期账户支取（存折、一本通、卡支取、大额存折支取、大额卡支取）受理业务→查看凭证→接受→活期开户【1002】→客户签字→盖章→提交客户→取出钱钞给客户→凭证归单据箱→结束业务6、活期账户结清（存折结清、一本通结清）受理业务→查看凭证→接受→活期开户【1012】→客户签字→盖章→提交客户→取出钱钞给客户→凭证归单据箱→结束业务7、活期账户销户（存折销户、一本通销户、存折销户）受理业务→查看凭证→接受→活期开户【1013】→客户签字→盖章→提交客户→凭证归单据箱→结束业务8、日终处理柜员扎帐【9077】→柜员日结【9078】→机构日结【9075】→机构签退【9074】→网点关机五、【实验结果分析讨论】通过活期储蓄业务实验，了解了活期储蓄业务中开户、支取、续存及销户等业务的操作流程。

安全手机刷卡利器：信雅达手机卡盾

台示范应用。得益于信雅达在金融信息系统建设中的优势，信雅达不仅可提供以一代卡盾为主导的系列易量都很可观。目前，手机银行业务仍处于发展期，有着很大的发展潜力，存在较大的利润空间。用户
时间，从而可以推动合作伙伴的移
通过在手机银行植入手机刷卡器的功能插件，让手机银行与传统
ＡＴＭ和Ｐ０Ｓ更接近，使银行树立
更安全、更高端的品牌形象。可以
预计在不久的未来，信雅达卡盾将
手机刷卡器设备，还可提供从手机对手机银行安全性的担忧，是制约
客户端、设备生命周期管理，到前手机银行发展的首要因素。
置接入系统的一整套行业解决方案，并在北京银联商务等获得试点应用。信雅达的卡盾移动支付整体方案能够快速响应行业的定制需求，从需求明确到应用上线只需要一个月的
使用这家银行的卡，信雅达卡盾则
没有这个限制。如果用户有五家银
行的借记卡，想查一下每张卡的余额，通过手机银行查询，需要分别
为移动支付和线下支付的安全结合登录这五家银行的手机客户端，并提供了有力的支持。且事先要开通这五家银行的手机银

Ch03revgd

Testbankto accompany Modern Auditing and Assurance Services 3eByPhilomena Leung, Paul Coram, Barry J. Cooper, Graham Cosserat and Gurdarshan GillPrepared byLaura de ZwaanGriffith UniversityJohn Wiley & Sons Australia, Ltd 2007CHAPTER 3The Auditor's Legal LiabilityQuestionsTrue/False1.Auditors are accountable for their professional conduct under common law and statutelaw.2.Responsibility under common law is only under contract to audit clients.3.The 'deep pockets' theory has its basis in the requirement for an auditor to carryprofessional indemnity insurance.4.Litigation against auditors is against public interest as it results in firms retreating fromserving high risk clients and smaller firms shying away from conducting audits.5.Due to reforms contained in CLERP 9, companies may now register as company auditorsprovided they have adequate professional indemnity insurance.6.Auditors will not be liable for a defamation action if they report a suspected fraud to aregulatory body and they are mistaken.7.The standards of reasonable care and skill (due care) established in the 1896 KingstonCotton Mills case remain unchanged.8.The 1970 Pacific Acceptance case accelerated the introduction and on-going developmentof the auditing standards.9.An important part of the judgment in the Pacific Acceptance case was that it is for thecourts to decide if the prevailing standards constitute the exercise of due care.10.The auditor will be liable if there is a duty of care owed and that duty has been breachedand that breach caused a loss to the plaintiff.11.The concept of contributory negligence was held to be applicable in the CambridgeCredit case.12.The Hedley Byrne case established the principle that an auditor's liability to third partiesto whom they owe a duty of care is no different from their liability to clients.13.The Caparo case is an important UK case influencing the development of an auditor'sliability to third parties in Australia.14.In the Twomax case, the shareholders were successful in recovering losses sufferedthrough reliance on negligently audited accounts.15.Privity or comfort letters establish the relationship required to satisfy the criteria ofproximity and reasonable foreseeability.16.Reliance on a management representation letter is a precaution that auditors use to avoidlitigation.17.The ruling in Esanda indicates that an auditor only has to know of the theoreticalpossibility of the existence of a third party for a liability to arise.18.The purpose of a privity letter is to acknowledge that no third parties are relying on theaudited financial report.19.The law of proportionate liability holds that, defendants are required to pay an amountthat reflects their degree of responsibility for any wrongdoing.20.The auditor’s du ty of care to a client arises either as in a contract or in the tort ofnegligence.Multiple Choice1.Which of the following is not a characteristic of the current Australian legalenvironment for auditors?a.There is a growing concern that auditors are sued following business failure orfraudulent financial reporting due to their requirement to have professionalindemnity insurance.b.Audit firms are exposed to unlimited liability by virtue of their incorporationunder the Corporations Act.c.Recent corporate and accounting failures, natural disasters and terrorist attackshave resulted in a ‘hard insurance market’.d.The emerging trend of multi disciplinary practices raises important issues fordebate about auditor liability and conflict of interest situations.2. A significant number of out-of-court settlements is a feature of the on-going litigationcrisis for auditors. Which of the following is suggested as a problem with suchsettlements?a.The profession protects itself from a lack of confidence.b.Devising ways to improve (reduce) the expectation gap become less necessary.c.The success of legally backed standards cannot be assessed.d.Provides evidence of a firm’s ability to adapt to a changing business environment.3.Auditors are accountable in law for their professional conduct. This accountabilityarises under:mon law.b.Statute law.c.Tort law.d.All of the above.4.The so-called 'deep-pockets' theory in relation to alleged audit failures, refers to:a.The auditor being the only party left with sufficient funds to indemnify theplaintiff's losses.b.The requirement to hold a public practice certificate.c.Several widely reported business failures that resulted in significant loss toinvestors.d.The coverage gap between the potential liability and available insurance cover.5.The litigation crisis arose as a result of business activities in which of the followingtime periods?te 1990s.b.1980s and early 1990s.c.1970s.d.1960s.6.In respect of the provision of auditing services, the auditor will be liable tocompensate the plaintiff if:a. A duty of care is owed to the plaintiff.b.The audit is negligently performed or the opinion negligently given.c.The plaintiff has suffered a quantifiable loss as a result of the auditor's negligence.d.All of the above.7.Which of the following is not a condition that must be met in order for a company tobe registered as an authorized audit company?a.each of the directors of the company must be a registered company auditor.b.each share in the company must be held and beneficially owned by an individualor the legal personal representatives of the individual.c. a majority of the votes that may be cast at a general meeting of the companyattach to shares in the company that are and beneficially owned by individualswho are registered company auditors.d.the company must be under external administration.8.The more exacting auditor responsibility showing the evolving expectations in respectto the higher standards of reasonable care was set forth in the:a.London and General Bank case.b.Pacific Acceptance case.c.Kingston Cotton Mills case.d.Donoghue v Stevenson case.9.The judgement in the Pacific Acceptance case was wide-ranging and coveredprocedures that should exist in a normally competent audit. Which of the following is not accurate?a.Promptly report material fraud or warn of suspicion of material fraud.b.Closely supervise and review the work of inexperienced staff.c.Carry out proper objective audit procedures.d.Audit the whole of the year, not just the year-end balances.10.Which case laid down the fundamental auditing prin ciples of the ‘watchdog’ role andthe notion of taking reasonable skill and care?a.Kingston Cotton Mill.b.London and General Bank.c.Pacific Acceptance.d.AWA.11.Which case prompted the development of Auditing Standards in Australia?a.McKesson and Robbins.b.Pacific Acceptance.c.Cambridge Credit.d.AWA.12.The term 'privity of contract' refers to:a.The contractual relationship that exists between two or more contracting parties.b.The fact that an audit is to be performed in accordance with professional standards.c.The fact that an auditor appointed to conduct a statutory audit cannot reduce theirliability by contract (s.241).d.There must be an engagement letter setting out the terms of the contract.13.What is the term used when a failure on the part of a plaintiff to meet certain requiredstandards of care is a factor leading to a loss by the plaintiff?a.Negligence.b.Reasonable foreseeability.c.Contributory negligence.d.Damages.14.The passage in the judgment by Cardozo, CJ in the Ultramares case, ' …… a liabilityin an indeterminate amount for an indeterminate time to an indeterminate class' refers to:a.An auditor's liability to exercise due care.b.An auditor's liability to the client.c.An auditor's liability to third parties.d.An auditor's statutory liability.15.Liability to third parties for financial injury:a.Is still not very clear.b.Has never been tested.c.Does not exist.d.Is very clear.16.Under the Hedley Byrne principle, auditors’ liability to third parties to whom theyowe a duty of care:a.Is no different from their liability to clients.b.Is more onerous than their liability to clients.c.Does not exist.d.None of the above.17.The decision in the Caparo case (1990) reduced the duty of care of auditors to:a.all users known to the auditor.b.all users that ought reasonably to have been known to the auditor.c.the shareholders as a group.d.all users of the financial statements, except for investors.18.Which of the following cases did not extend the liability of auditors in regard to theconcept of proximity?a.Shaddock and Associates.b.Jeb Fasteners.c.Caparo Industries.d.Twomax.19.Which case does not appear to support the recent narrowing of the exposure ofauditors to third parties?a.Royal Bank of Scotland.b.Lowe Lippmann.c.Esanda Finance.d.Columbia Coffee.20.Which of the following precautions taken by auditors would avoid or minimise theconsequences of litigation?a.An engagement letter is used for all professional services offered by the firm.b.All potential clients are thoroughly investigated before acceptance.c.Professional pronouncements are fully complied with by the firm.d.All the above.21.Which of the following statements is not reflective of matters that recent cases haveemphasised:a.Assigning appropriately competent and supervised staff to engagements.b.Adequately documenting all audit procedures.c.Adhering to independence guidelines, especially for personal relationships withclients.d.Acceptability of management representations without corroboration.22.Litigation against auditors under the Trade Practices Act:a.Does not require the 'negligence' factors of foreseeability and proximity.b.Has been successfully used.c.Has been ruled out by the Esanda judgment.d.Is specifically excluded.23.As a result of the rulings in Kingston Cotton Mill and the London and General Bankcases:a.overall audit quality improved.b.auditors failed to embraced new auditing techniques that would provide greaterassurance.c.auditors stopped designing procedures that would detect fraud.d.auditors became more vigilant in the detection of fraud.24.Which of the following is not a primary element of a fiduciary relationship?a.the fiduciary has undertaken to act in the interests of another.b.the fiduciary is properly certified.c.the undertaking gives to the fiduciary the power to affect the interests of the otherparty.d.the person to whom the fiduciary duty is owed is vulnerable to the fiduciary’sabuse of his or her position.25.The two cases that formed the basis for most subsequent decisions as to thedetermination of auditor negligence were:a.Hedley Byrne and AWA.b.JEB Fasteners and Twomax.c.Caparo Industries and Esanda.d.Kingston Cotton Mill and London and General Bank.26.Which of the following statements about the statutory cap is not true?a.The auditor's liability is limited to a multiple of the fee.b.Together with the requirement for compulsory indemnity insurance and riskmanagement strategies, appropriate protection and payment guarantees arepossible.c.The statutory cap has been introduced into the Corporations Law.d.The statutory cap is only one alternative for limiting the liability of auditors.28.Who is unable to sue the auditors under contract law?a.the directors (on behalf of the company).b.the liquidator.c.individual shareholders.d.the receiver.29.Which of the following would be considered to be one stage removed from the privityof contract?a.the company.b.the auditor.c.shareholders.d.future creditors.30.Which of the following would be considered to be two stages removed from theprivity of contract?a.the company.b.the auditor.c.shareholders.d.future creditors.31.In Segenhoe Ltd, the company claimed that the auditors negligence caused them topay a dividend out of capital. What was the outcome of this case?a.the auditors were found to be liable for the dividends.b.the shareholders were ordered to return the dividends.c.the company lost as there was no causal relationship.d.the company was found to have contributed to the negligence.32.Which of the following was the landmark case for the principle of contributorynegligence?a.Kingston Cotton Mill.b.Segenhoe Ltd.c.AWA Ltd.d.Pacific Acceptance.33.Which of the following is true regarding damages?a.damages are only available under tort.b.damages are available under tort and contract.c.damages are limited to the audit fees paid.d.damages are unquantifiable.34.What was the outcome in the Hedley Byrne case?a.the bank was found liable for the loss.b.the bank was not found liable as no duty of care was owed.c.the advertising agency were found to have contributed to the loss.d.the bank was not found liable due to the disclaimer.35.Which case of auditor negligence was unsuccessful as the loss was not quantifiable?a.Scott Group Ltd.b. Shaddock & Associates.c.JEB Fasteners.d.Twomax.36.Why has the reaction to the verdict in Carparo Industries generally been unfavourable?a.it is strongly thought that the loss was not quantifiable.b.the verdict appears to treat auditors more favourably than it treats other experts onwhom third parties rely.c.the principle of proximity was not sufficiently established.d.it is felt that the auditors were not responsible.37.In Australia, the common law concerning the nature and extent of an auditor’s duty ofcare to third parties:a.was resolved with the verdict in Esanda.b.follows the ruling in Twomax.c.has been replaced with statute law.d.remains complex.39.Which of the following is not a precaution auditors take to avoid litigation?ply fully with professional pronouncements.b.establish and maintain high standards of quality control.c.never issue a privity letter.d.maintain adequate professional indemnity cover.40.To determine risks and potential exposure to litigation, professional accountantscommonly use an inspection program. An inspection program should be flexible and could contain:a.routine inspection of all risks.b.routine inspection of a particular area of risk.c.inspections as a result of incidents or accidents.d.all of the above.。

CH003TEST

CHAPTER 3 ADJUSTING ACCOUNTS AND PREPARING FINANCIAL STATEMENTS True/False ：1.The time period principle assumes that an organization's activities can be divided into specific timeperiods.Answer: True2.Interim statements report a company's business activities for a 1-year period.Answer: False3.Adjusting entries are made after the preparation of financial statements.Answer: False4.Two main accounting principles used in accrual accounting are matching and full closure.Answer: False5.The revenue recognition principle is the basis for making adjusting entries that pertain to unearned andaccrued revenues.Answer: True6.The matching principle requires that expenses get recorded in the same accounting period as the revenuesthat are earned as a result of the expenses, not when cash is paid.Answer: True7.The cash basis of accounting is an accounting system in which revenues are reported when cash isreceived and expenses are reported when cash is paid.Answer: True8.The accrual basis of accounting is an accounting system in which revenues are reported as earned whencash is received.Answer: False9.Recording revenues early overstates current-period income; recording revenues late understates currentperiod income.Answer: True10.Recording expenses early overstates current-period income; recording expenses late understates currentperiod income.Answer: False11.The accrual basis of accounting reflects the principle that revenue is recorded when it is earned, notwhen cash is received.Answer: True12.Accrued expenses at the end of one period are expected to result in cash payments in one or more futureperiods.Answer: True13.Accrued revenues at the end of one period are expected to result in cash payments in one or more futureperiods.Answer: False14.Under the accrual basis of accounting, adjustments are often made for prepaid and unearned items.Answer: True15.The entry to record a cash receipt from a customer when the service to be provided has not yet beenperformed involves a debit to an unearned revenue account.Answer: False16.Financial statements can be prepared directly from the information in the adjusted trial balance.Answer: TrueMultiple Choice：1.The time period principle assumes that an organization's activities can be divided into specific timeperiods including:A)Months.B) Quarters.C) Fiscal years.D) Calendar years.E) All of the above. Answer: E2.Interim financial statements refer to financial reports:A)That cover less than one year, usually spanning one, three, or six-month periods.B) That are prepared before any adjustments have been recorded.C) That show the assets above the liabilities and the liabilities above the equity.D) Where revenues are reported on the income statement when cash is received and expenses arereported when cash is paid.E) Where the adjustment process is used to assign revenues to the periods in which they areearned and to match expenses with revenues.Answer: A3.The length of time covered by a set of periodic financial statements is referred to as the:A)Fiscal cycle.B) Natural business year.C) Accounting period.D) Business cycle.E) Operating cycle. Answer: C4.The accounting principle that requires revenue to be reported when earned is the:A)Matching principle.B) Revenue recognition principle.C) Time period principle.D) Accrual reporting principle.E) Going-concern principle. Answer: B5.Adjusting entries:A)Affect only income statement accounts.B) Affect only balance sheet accounts.C) Affect both income statement and balance sheet accounts.D) Affect only cash flow statement accounts.E) Affect only equity accounts. Answer: C6.The broad principle that requires expenses to be reported in the same period as the revenues that wereearned as a result of the expenses is the:A)Recognition principle.B) Cost principle.C) Cash basis of accounting.D) Matching principle.E) Time period principle. Answer: D7.Adjusting entries are journal entries made at the end of an accounting period for the purpose of:A)Updating liability and asset accounts to their proper balances.B) Assigning revenues to the periods in which they are earned.C) Assigning expenses to the periods in which they are incurred.D) Assuring that financial statements reflect the revenues earned and the expenses incurred.E) All of the above. Answer: E8.Prepaid expenses, depreciation, accrued expenses, unearned revenues, and accrued revenues are allexamples of:A)Items that require contra accounts.B) Items that require adjusting entries.C) Asset and equity.D) Asset accounts.E) Income statement accounts. Answer: B9.The profit margin:A)Reflects the percent of profit in each dollar of revenue.B) Is also called return on sales.C) Can be used to compare a firm's performance to its competitors.D) Is calculated by dividing net income by net sales.E) All of the above. Answer: E10.A company had $9,000,000 in net income for the year. Its net sales were $13,200,000 for the sameperiod. Calculate its profit margin.A)17.5%.B) 28.0%.C) 62.5%.D) 160.0%.E) 68.1% Answer: ECalculation: $9,000,000/$13,200,000 = 68.1%11.Accrued revenues:A)At the end of one accounting period often result in cash receipts from customers in the nextperiod.B) At the end of one accounting period often result in cash payments in the next period.C) Are also called unearned revenues.D) Are listed on the balance sheet as liabilities.E) Are recorded at the end of an accounting period because cash has already been received forrevenues earned. Answer: A12.An account linked with another account that has an opposite normal balance and that is subtracted fromthe balance of the related account is a(n):A)Accrued expense.B) Contra account.C) Accrued revenue.D) Intangible asset.E) Adjunct account. Answer: B13.The periodic expense created by allocating the cost of plant and equipment to the periods in which theyare used, representing the expense of using the assets, is called:A)Accumulated depreciation.B) A contra account.C) The matching principle.D) Depreciation.E) An accrued account. Answer: D14. On April 1, 2007, a company paid the $1,350 premium on a three-year insurance policy with benefits beginning on that date. What will be the insurance expense on the annual income statement for the year ended December 31, 2007?A)$1,350.B) $450.C) $1,012.50.D) $337.50.E) $37.50. Answer: DCalculation: $1,350 x 9/36 = $337.5015.Unearned revenue is reported in the financial statements as:A)A revenue on the balance sheet.B) A liability on the balance sheet.C) An unearned revenue on the income statement.D) An asset on the balance sheet.E) An operating activity on the statement of cash flows. Answer: B16.Which of the following does not require an adjusting entry at year-end?A)Accrued interest on notes payable.B) Supplies used during the period.C) Cash invested by owner.D) Accrued wages.E) Expired portion of prepaid insurance. Answer: C。

GLD Products Pockey 3 in 1 Table 产品说明书

POCKEY 3 IN 1 GAME TABLEReplacement PartsOrder direct at or call our Customer Service department at(800) 225-75938 am to 4:30 pm Central Standard TimeStaple your receipt here.Important: A copy of your receipt will be needed to activate your warranty (see page16).Congratulations and THANK YOU for purchasing thePockey 3 in 1 Game Table. You have chosen a productthat should provide years of entertainment. To assistyou with customer service and warranty claims,staple your receipt to the inside cover, then keep thismanual in a safe place for future reference.GLD ProductsS84 W19093 Enterprise DriveMuskego, WI 53150 USA1-800-225-7593Fax: 1-800-841-6944Email: **************Web: This manual may have been updated. For the latest manual visit the GLD Products website.Place your package near the location where it will be used. Carefully unpackall components and verify you have all the correct pieces.If you notice missing or defective parts, please call us at:1-800-225-7593Please read and understand all instructions before beginning assembly.This assembly will require 2 adults.This product is not for use by children without adult supervision.Parts Identifier Item 64-1046GLD Products Pockey 3 in 1 Table Parts Identifier Item 64-1046IF YOU HAVE A WARRANTY CLAIM, CALL US FIRST Please see page16.GLD ProductsAvailable 8 am to 4:30 pm Central Standard TimeS84 W19093 Enterprise DriveMuskego, WI 53150 USA1-800-225-7593Fax: 1-800-841-6944Email: **************Web: For all claims, please have your receipt and item number when you call. Theproduct item number can be found on the front cover.If you are instructed to return the product for service, you areresponsible for shipping the unit at your expense.PRODUCT REGISTRATIONImportant: The product registration form on page17 and a copy of yourreceipt must be completed and returned within 10 days of purchase tovalidate your warranty.Online registration is also available. Go to /index.php/registration or click on this link. Follow the online instructions.Preparing for Assembly•Be sure to unpack all of the parts included in this package. Checkinside any tubes or sleeves. Save all packing material until theproduct is fully assembled and functional.•Compare the parts in your package with the Parts Identifierdescription on page4. and 5•After unpacking large products, some disassembly may be requiredprior to beginning the assembly.Tools Required•Allen Wrench (#30)•Open End Wrench (#21)•Box Wrench (#24)•Phillips Screwdriver (not included)•Flat Blade Screwdriver (not included)•Level (not included)•Electric screwdriver may be helpful. CAUTION: You must set atLOW TORQUE and use extreme caution because you couldovertighten the hardware, strip the screws, or damage the table.Assembly TipsMake sure you understand the following before you begin to assemble your game table.1.READ THIS MANUAL all the way through before beginning assembly.2.When installing parts that have more than one bolt, start ALL bolts in that part by handbefore tightening anything.3.Some drawings or images in this manual may not look exactly like your product.4.You may need a second adult to assist with this assembly.Note: Save all packing materials until the parts have been inspected and the table is assembled.Unpack the Pieces•Lay the box on a flat surface (floor). You may want this near yourarea of assembly.•Unpack the boxes and part bags. Inspect and count the parts. TheParts Identifier page can be used to record your results.•If any parts are damaged or missing, contact GLD CustomerService.•Missing fasteners may be purchased at a hardware store using thedescriptions on the Parts Identifier page.GamesThis game table includes the equipment and game pieces for the following games:Air Hockey Pool Table TennisThe rules for these games are not discussed in this manual.STEP 1 - ASSEMBLE THE PEDESTALRemove all components from the carton.NOTE:Parts are packed inside the table top (#1). Remove the pool table surface from the table top (#1) by removing all the screws (#33) that hold it in place. Inside the table top you will find all the parts needed to assemble your table. when all the parts are out of the table top, replace the pool table surface. Reattach the pool table surface by replacing the screws (#33). The assembly parts will include a total of 18 screws (#33). This includes the screws you removed when separating the pool table sur-face from the table top (#1). Be sure to use all 18 screws (#33) when you reattachthe pool table surface to the table top (#1)1.Carefully remove the two (#2) pedestals and four levelers (#22) from the package.2.Insert levelers into pre-drilled holes in the bottom of each leg of the pedestal and securepart way.STEP 2 - ATTACH THE TABLE LOCKSIMPORTANT: The T-nuts are pressed in at the factory. They are on the side of the pedestal that faces the table top (the inside).1.Attach two table locks (#5) to the outside of each pedestal using bolt (#29).STEP 3 - ASSEMBLE THE BASE1.With the help of another person, attach the end rails (#4) to the side rails (#3) using 2" hex bolts (#11), washers (#12), and barrel nuts (#8). Hand tighten bolts.Table top goes on this sideT-nutsTable top onthis sideSTEP 4 - SECURE THE BASE TO THE PEDESTALS1.Insert barrel nuts (#8) into the seven holes in the base.2.Start the four 3" hex head bolts (#10) with 1/4" washers (#12) through the ends of thepedestal and into the side rails. Finger tighten.3.Start the three 2" hex head bolts (#11) with 1/4" washers (#12) through the center of thepedestal and into the end rails. Finger tighten.4.Tighten all bolts using the box wrench (#24).STEP 5 - ATTACH THE TABLE TOPNOTE:The end of the table top with the power cord has the three 3/4" washers (#14) and two 3/4" hex nuts (#15) pre-assembled on the power cord.It is possible that the support axle bolts are not pushed out completely. To pull them out, thread a nut onto the end and pull outward with pliers. If the bolt does not pullout freely, tap it with a hammer to break it loose, then pull.1.Open all four of the table locks.WARNING: Dropping the table or resting all of the table weight on one or two of closed table locks is likely to break the lock mechanism.2.Place one 3/4" washer (#14) over the support axle. Thread the 3/4" hex nut (#15) ontothe axle followed by another washer (#14).3.Lift the table top into position over the side supports.4.Lower the table top so the supporting axles drop into the slots in the pedestals. NOTE:The two washers and the nut should be placed to the inside of the pedestals.5.Place another washer (#14) and thread a nut (#15) onto the support axle.6.Release all of the table locks. Tighten the nuts on the support axle to provide smoothtable top rotation.STEP 6 - ATTACH PUCK CATCHERS AND ACCESSORY HOLDER1.Align the puck catcher (#6) with the pre-drilled holes on each end of the playing table.Secure it to the pedestal with round head screws (#13). Run the power cord through the puck catcher.2.Align the accessory holder (#26) with the pre-drilled holes on each end of the playingtable. Secure it to the pedestal with screws (#13).3.Attach both slide scorers (#31) to the edges of the playing table using four screws (#32).4.The table tennis top is made up of three pieces; two ends (#28) and one middle (#37).Push the three pieces together and use the attached velcro strips to secure them.5.The net (#27) is attached to the middle section (#37).STEP 7 - ADJUST LEVELERS1.With the help of another person, turn each leg leveler until the table rests level to floor.2.Check with a carpenters level placed cross-wise and length-wise on the table top.3.Readjust levelers if necessary.STEP 8 - ASSEMBLE GOALIESRemove backing from felt pads (#9) and place on bottom of goalies (#7).The assembly is complete.To Rotate the Table:CAUTION:This should be performed by an adult. The rotating table may pinch body parts.•Pull out two table locks on one end.•On the other end, pull out the two table locks.WARNING: You must open all four of the table locks. Do not rotate the table with any of the table locks closed. The momentum of the rotating table may break the lock.•Slowly rotate the table.•Push in the table locks.To Level the Table:•Place a carpenters level on the table.•Screw the leg levelers in or out until table is level.Troubleshooting:•If the pool table side is not level, first try to level it by using the leglevelers on each leg. Most of the time the table can be easily leveledusing this method.•If the table surface still needs adjustments, shims may be used onthe cross supports to bring up the low spots. See example below:If the fan does not go on:•Unplug the fan from electrical outlet.•Inspect wiring for proper connection.•Plug in to test.If the fan works but the table has dead spots:•Use a small drill bit and clear the holes by hand. DO NOT useelectric drill. Manually push the drill bit into the holes to clear. Clean the surface by spraying a rag (do not spray directly onto the table top) with a furniture polish (like Pledge) and buffing the surface of the table and the puck. This will provide a bit more “float” which may help prevent getting hung up in the “dead” areas.Care and Use of your Table•This product is intended for INDOOR use only.•DO NOT sit, climb, or lean on the table.•DO NOT drag the table when moving it. This will damage the legs.•Keep your table covered.•To clean the hard surfaces spray a cloth with a mild cleaner andwipe.•Pucks that fly off the table may have chipped edges. Inspect thepuck and replace if needed.90-DAY LIMITED WARRANTYThe Manufacturer warrants to the original retail purchaser that this product is free from defects in material and workmanship under normal use and conditions for a period of ninety (90) days from the date of original purchase. The Manufacturer’s liability is limited to the repair or replacement, at its option, of any defective product and shall not include any liability for indirect, incidental or consequential damages of any kind. Should this product become defective due to material or workmanship within the warranty period, contact our Customer Service Department. This warranty is not transferable and does not cover normal wear and tear or damage caused by improper usage, negligence, misuse, abuse, transportation damage, acts of nature, or accident (including failure to follow the instructions in this manual). It does not cover expendable items such as batteries, light bulbs, fuses, accessories, cosmetic parts and other items that wear out due to normal usage, including felt covered areas of the playing surface. This warranty is also void if the product is disassembled and reassembled, damaged, modified from its original state, or used for other than indoor personal residential use (no commercial or rental applications).This warranty gives you specific legal rights, and you may have other rights which vary from state to state.IF YOU HAVE A WARRANTY CLAIM, CALL US FIRST (8 - 4:30 CST)Please have your receipt and item number (found on the front cover) when you call.GLD ProductsS84 W19093 Enterprise DriveMuskego, WI 53150 USA1-800-225-7593Fax: 1-800-841-6944Email: **************Web: If you are instructed to return the product for service, you are responsible for shipping the unit at your expense to the above address in packaging that will protect against further damage. All warranty or repair requests require a Return Authorization Number prior to returning the item.PRODUCT REGISTRATIONImportant: The product registration form on page17 must be completed and returned along with a copy of your receipt within 10 days of purchase to validate your warranty. Online registration is also available. Go to /index.php/registration or click on this link. Follow the online instructions.REGISTER YOUR PRODUCTPlace postage hereComplete this form, include a copy of your receipt, fold, tape (do not staple) and return within 10 days of purchase. This protects your warranty and will help us develop new products!GLD Products Warranty Department S84 W19093 Enterprise Drive Muskego, WI 53150 USARemember to attach a copy of your receipt.Name Date of Purchase Address Phone-Day City Phone-Evening StateZipEmailPurchase Price:Item: 64-1046 Game TableStore Name:GAME TABLESHOME CASINO GAMES AND ACCESSORIES BILLIARD CUES BILLIARD ACCESSORIES DARTBOARDS SOFT-TIP DARTS STEEL-TIP DARTSFLIGHTS AND SHAFTSDART CASES AND ACCESSORIESFold here second.Fold here first.C u t h e r e .This page left intentionally blank.Pockey 3 in 1 TableItem 64-1046Parts Re-Order FormName DateAddress Phone-Day City Phone-Evening StateZipEmailOrder No.DescriptionUnit Price (each)Qty.Total Amount2-210Table Top 500.002-247Pedestal 50.002-6Side Rail 25.002-8End Rail25.002-209Raised Table Lock 10.002-202Puck Catcher10.002-203Allen Key Bolt 3/16" x 1" 0.252-121/4" Barrel Nut0.252-13Hex Head Bolt 1/4" x 2" 2.002-14Hex Head Bolt 1/4" x 3" 2.002-151/4" Washer 0.252-163/4" Washer 0.202-173/4" Hex Nut 0.202-18Goalie 6.002-19Felt Pad1.002-20Hockey Puck 1.502-21Billiard Balls 30.002-22Brush 8.002-23Cue Stick 12.002-24Chalk2.002-25Open End Wrench 1.002-26Leg Levelers 10.002-27Triangle 6.001-17Box Wrench 1.002-204Cue Rack5.002-205Accessory Holder10.002-311/2" Phillips Head Screw0.202-286Table Tennis Top (End) 1 piece 40.002-287Table Tennis Top (Middle) 1 piece 40.008-5Table Tennis Bat6.008-10Table Tennis Net with Posts 19.008-4Table Tennis Ball 1.002-116Allen Key1.002-206W/P4 x 1-1/4" Screw0.202-215Wraparound Black Corner, Top and Bottom 10.002-208Slide Scorer6.002-134F4 x 1" Phillips Countersunk Screw0.25Subtotal Shipping will be added. If paid by Check or Money Order, call for quote.S/H 5.1% Waukesha Wisconsin tax will apply (subject to change).Tax TotalMail To:GLD ProductsS84 W19093 Enterprise Drive Muskego, WI 53150 USA1-800-225-7593 · FAX 800-841-6944Email: **************Web Site: GLD Products Pockey 3 in 1 TableItem 64-1046Method of Payment_________Check or Money Order_________ Credit Card_____ Visa _____ MasterCard _____ Discover _____ American ExpressCard #________________________________________________________Security Code #__________________Billing Address Zip code____________Signature______________________________________Exp. Date________Shipping AddressName___________________________________________________________________________________Address___________________________________________Phone_________________________________City______________________________________________State________________Zip________________GAME TABLESHOME CASINOGAMES AND ACCESSORIESBILLIARD CUESBILLIARD ACCESSORIESDARTBOARDSSOFT-TIP DARTSSTEEL-TIP DARTSFLIGHTS AND SHAFTS DART CASES AND ACCESSORIESPROUD MANUFACTURER OFS84 W19093 Enterprise Drive • Muskego, WI 53150 USA 262.679.8730 or 1.800.225.7593 tele262.679.8738 or 1.800.841.6944 faxEmail: **************。

计量经济学Test-bank-questions-Chapter-5讲课稿

计量经济学T e s t-b a n k-q u e s t i o n s-C h a p t e r-5Multiple Choice Test Bank Questions No Feedback – Chapter 5 Correct answers denoted by an asterisk.1. Consider the following model estimated for a time seriesy t = 0.3 + 0.5 y t-1 - 0.4εt-1 +εtwhere εt is a zero mean error process.What is the (unconditional) mean of the series, y t ?(a) * 0.6(b) 0.3(c) 0.0(d) 0.42. Consider the following single exponential smoothing model:S t = α X t + (1-α) S t-1You are given the following data:αˆ=0.1, X t=0.5,S t-1=0.2If we believe that the true DGP can be approximated by the exponential smoothing model, what would be an appropriate 2-step ahead forecast for X? (i.e. a forecast of X t+2 made at time t)(a) 0.2(b) * 0.23(c) 0.5(d) There is insufficient information given in the question to form more than a one step ahead forecast.3. Consider the following MA(3) process.y t = 0.1 + 0.4u t-1 + 0.2u t-2– 0.1u t-3 + u tWhat is the optimal forecast for y t, 3 steps into the future (i.e. for time t+2 if all information until time t-1 is available), if you have the following data?u t-1 = 0.3; u t-2 = -0.6; u t-3 = -0.3(a)0.4(b)0.0(c)* 0.07(d)–0.14. Which of the following sets of characteristics would usually best describe an autoregressive process of order 3 (i.e. an AR(3))?(a) * A slowly decaying acf, and a pacf with 3 significant spikes(b) A slowly decaying pacf and an acf with 3 significant spikes(c) A slowly decaying acf and pacf(d) An acf and a pacf with 3 significant spikes5. A process, x t, which has a constant mean and variance, and zero autocovariance for all non-zero lags is best described as(a) * A white noise process(b) A covariance stationary process(c) An autocorrelated process(d) A moving average process6. Which of the following conditions must hold for the autoregressive part of an ARMA model to be stationary?(a) * All roots of the characteristic equation must lie outside the unit circle(b) All roots of the characteristic equation must lie inside the unit circle(c) All roots must be smaller than unity(d) At least one of the roots must be bigger than one in absolute value.7. Which of the following statements are true concerning time-series forecasting?(i) All time-series forecasting methods are essentially extrapolative.(ii) Forecasting models are prone to perform poorly following a structural break in a series.(iii) Forecasting accuracy often declines with prediction horizon.(iv) The mean squared errors of forecasts are usually very highly correlated with the profitability of employing those forecasts in a trading strategy.(a) (i), (ii), (iii), and (iv)(b) * (i), (ii) and (iii) only(c) (ii), (iii) only(d) (ii) and (iv) only8. If a series, y t, follows a random walk (with no drift), what is the optimal 1-step ahead forecast for y?(a)* The current value of y.(b)Zero.(c)The historical unweighted average of y.(d)An exponentially weighted average of previous values of y.9. Consider a series that follows an MA(1) with zero mean and a moving average coefficient of 0.4. What is the value of the autocorrelation function at lag 1?(a)0.4(b)1(c)*0.34(d)It is not possible to determine the value of the autocovariances without knowing thedisturbance variance.10. Which of the following statements are true?(i)An MA(q) can be expressed as an AR(infinity) if it is invertible (ii)An AR(p) can be written as an MA(infinity) if it is stationary (iii)The (unconditional) mean of an ARMA process will depend only on the intercept and on the AR coefficients and not on the MA coefficients (iv)A random walk series will have zero pacf except at lag 1(a) (ii) and (iv) only(b) (i) and (iii) only(c) (i), (ii), and (iii) only(d) * (i), (ii), (iii), and (iv).11. Consider the following picture and suggest the model from the following list that best characterises the process:-0.10.10.20.30.40.50.60.70.80.9Lags a c f a n d p a c f(a) An AR(1)(b) An AR(2)(c) * An ARMA(1,1)(d) An MA(3)The acf is clearly declining very slowly in this case, which is consistent with their being an autoregressive part to the appropriate model. The pacf is clearly significant for lags one and two, but the question is does it them become insignificant for lags 2 and 4, indicating an AR(2) process, or does it remain significant, which would be moreconsistent with a mixed ARMA process? Well, given the huge size of the sample that gave rise to this acf and pacf, even a pacf value of 0.001 would still be statistically significant. Thus an ARMA process is the most likely candidate, although note that it would not be possible to tell from the acf and pacf which model from the ARMA familywas more appropriate. The DGP for the data that generated this plot was y_t = 0.9 y_(t-1) – 0.3 u_(t-1) + u_t.12. Which of the following models can be estimated using ordinary least squares?(i)An AR(1)(ii) An ARMA(2,0)(iii) An MA(1)(iv) An ARMA(1,1)(a)(i) only(b)* (i) and (ii) only(c)(i), (ii), and (iii) only(d)(i), (ii), (iii), and (iv).13. If a series, y, is described as “mean-reverting”, which model from the following list is likely to produce the best long-term forecasts for that series y?(a)A random walk(b)* The long term mean of the series(c)A model from the ARMA family(d)A random walk with drift14. Consider the following AR(2) model. What is the optimal 2-step ahead forecast for y if all information available is up to and including time t, if the values of y at time t, t-1 and t-2 are –0.3, 0.4 and –0.1 respectively, and the value of u at time t-1 is 0.3?y t = -0.1 + 0.75y t-1 - 0.125y t-2 + u t(a)-0.1(b)0.27(c)* -0.34(d)0.3015. What is the optimal three-step ahead forecast from the AR(2) model given in question 14?(a)-0.1(b)0.27(c)-0.34(d)* -0.3116. Suppose you had to guess at the most likely value of a one hundred step-ahead forecast for the AR(2) model given in question 14 – what would your forecast be?(a)-0.1(b)0.7(c)* –0.27(d)0.75。

验钞模块及自助存取款机[实用新型专利]

专利名称：验钞模块及自助存取款机专利类型：实用新型专利
发明人：龙腾敏,谭元锦,董雁
申请号：CN201820901650.7
申请日：20180611
公开号：CN208421947U
公开日：
20190122
专利内容由知识产权出版社提供
摘要：一种验钞模块及自助存取款机，属于金融自助设备领域。

验钞模块包括第一模块、第二模块和锁定组件。

第二模块与第一模块可转动地连接。

锁定组件包括第一锁定件和第二锁定件。

第一锁定件和第二锁定件分别连接于第一模块和第二模块。

第一锁定件具有弹性凸台，第二锁定件具有与弹性凸台可解除地卡接的凹陷部。

自助存取款机包括上述验钞模块。

本验钞模块锁定到位，不易磨损。

本自助存取款机验钞模块识别率高。

申请人：深圳怡化电脑股份有限公司,深圳市怡化时代科技有限公司,深圳市怡化金融智能研究院地址：518000 广东省深圳市南山区后海大道2388号怡化金融科技大厦26楼
国籍：CN
代理机构：北京超凡志成知识产权代理事务所(普通合伙)
代理人：逯恒
更多信息请下载全文后查看。

仿真银行的实验报告

一、实验背景随着金融科技的不断发展，仿真银行系统作为银行业务教学和培训的重要工具，能够模拟真实的银行环境，帮助学生和从业者熟悉银行业务流程、提高操作技能。

本实验旨在通过设计和实现一个仿真银行系统，让学生深入了解银行运作机制，掌握银行业务处理流程，并提升编程能力。

二、实验目的1. 理解仿真银行系统的设计原理和实现方法。

2. 掌握银行业务流程，包括开户、存款、取款、转账等。

3. 提高编程能力，熟练运用Java等编程语言进行系统开发。

4. 培养团队协作和问题解决能力。

三、实验内容1. 系统需求分析- 系统应支持用户开户、存款、取款、转账等基本银行业务。

- 系统应具备账户查询、交易记录查询等功能。

- 系统应保证数据的安全性和一致性。

2. 系统设计- 系统采用分层架构，包括表现层、业务逻辑层和数据访问层。

- 使用Java作为开发语言，MySQL作为数据库。

- 系统界面采用Swing进行设计。

3. 系统实现- 开户模块：用户输入个人信息，系统生成账户并存储到数据库。

- 存款模块：用户输入账户信息，系统更新账户余额并记录交易。

- 取款模块：用户输入账户信息，系统验证余额并更新账户余额。

- 转账模块：用户输入源账户和目标账户信息，系统验证余额并完成转账。

- 查询模块：用户输入账户信息，系统查询并显示账户余额和交易记录。

4. 系统测试- 进行单元测试，确保每个模块功能正常。

- 进行集成测试，确保系统整体运行稳定。

- 进行性能测试，评估系统响应速度和并发处理能力。

四、实验结果与分析1. 系统功能实现- 经过测试，仿真银行系统成功实现了开户、存款、取款、转账、查询等功能。

- 系统界面简洁易用，用户操作流程清晰。

2. 系统性能- 系统响应速度满足实际需求，并发处理能力较强。

- 数据存储安全，系统稳定性良好。

3. 不足与改进- 系统界面设计可以进一步优化，提升用户体验。

- 可以增加更多银行业务功能，如贷款、理财等。

- 优化数据库设计，提高系统性能。

99.Radon-NikodymDerivative

64.4000 70.8889 78.0316 85.8940 94.5486 4
5-year bond (numeraire) lattice year
74.0818 0
74.8899 82.4357 1
77.5903 83.3829 89.6078 2
82.3882 86.4393 90.6896 95.1489 3
Time-varying forward volatility lattice year
0
0.2 1
8-year zero-coupon bond value at each node 61.8783 year 0
60.1984 71.2109 1
60.0471 69.3474 80.0882 2
61.4128 69.2427 78.0709 88.0247 3
0 1 2 3 4 0.060 0.060 0.060 0.060 0.060 1.0000 0.9418 0.8869 0.8353 0.7866 0.060 0.060 0.060 0.060 0.060 0 0.2 0.2 0.2 0.2 0 0.2 0.2 0.2 0.2 1 f f (n 1) n 1 n 1 r (n 1) s n 1 1 0.9418 0.9418 0.9418 0.9418 0.9418 1 0.976286 0.976286 0.976286 0.976286
0.0843 0.0603 0.0363 2
0.0966 0.0726 0.0486 0.0246 3
0.1092 0.0852 0.0612 0.0372 0.0132 4
in (T )
r (n, i 1, T ) r (n, i, T ) 2 fi n (T )

MT799-POF（90-day）

BLOCK ON THESE FUNDS IN FAVOUR OF ( xxxxxxxxxxxx) FOR A PERIOD OF NINETY
(90) DAYS AND THE FUNDS WILL REMAIN UNE NCUMBERE D DURING THIS PERIOD. THIS INS TRUMENT IS VERIFIABLE & CONFIRMABLE BY RESPONSIB LE BANK INQUIRY. THIS IS AN OPERA TIVE BANK INS TRUME NT AND IS S UBJE CT TO THE UNIFORM COMME RCIAL CODE AS IT PERTA INS TO S UCH CREDITS.
WE, ………………………….BANK, HAV ING AN ADDRESS AT ………………………, HEREBY CONFIRM WITH FULL BANK RESPONS IB ILITY THA T OUR CLIE NT....................... ……………………… HAS ON DEPOS ITS WITH OUR BANK UNDER HIS / THEIR SOLE SIGNA TURE IN ACCOUNT No………………………………… THE SUM OF $XX,000,000 US DOLLARS IN WORDS …………. US DOLLA RS THESE FUNDS A RE CLEA N, CLEARE D,OF NON-CRIMINA L ORIGIN AND ARE FREE OF A NY LIE NS AND ENCUMBRA NCES AND A RE AVAILABLE TO THE CLIE NT WITHOUT ANY RES TRICTIONS. FURTHE R THIS LE TTE R CONFIRMS THA T WE HAVE PLACED A N ADMINIS TRA TIVE

SWIFT标准资料（05）

SWIFT 标准资料（五）2003年11月实施版SWIFT标准第四类报文托收和现金运送单2003年11月发布标准2003年标准发布指南－最终版本－2003年2月全国金融标准化技术委员会秘书处对外经济贸易大学金融科技中心2003-08-06法律声明重要提示：你方只有与SWIFT达成相关特许协议后，才可安装和使用本出版物。

请在查阅此特许协议后，确认你方对该出版物的使用权限。

但注意，在“单用户特许”情况下，本出版物必须安装在单机上，在任意时刻仅供一人使用；本提示中所指的“组织”是针对订单客户（BIC8）的。

在“服务器特许”情况下，本出版物也可以安装在服务器上，供订单客户（BIC8）组织内使用，此时所指的“组织”是针对所有这些属于同一SWIFT订单客户（BIC8）的用户的，以供其集体交流之用。

未经SWIFT公司事先书面同意，本出版物的整体或任何部分不可以任何方式或形式出现在任何媒体上，被复制或翻版、在检索系统中保存、出售或转让他人。

但在合理且必须的情况下，收受人有权在本组织内复制或翻版本出版物。

任何这样的复制或翻版要包括以下内容：标明来源、提及本出版物即其出版日期，且列出本页所有的提示事项。

保密本出版物可能包含所有权和/或SWIFT的保密信息和/或它的供应商。

未经SWIFT事先书面同意，收受人不应向其组织外的第三方披露此出版物。

免责声明尽管SWIFT已经尽可能确保其产品内容的准确性，但SWIFT对任何可能出现在本出版物中的疏忽错误或遗漏不负有责任。

本出版物中的信息是在其出版时的能得到的最新内容，且随着时间的变迁而会有所变化。

商标和专利SWIFT、S.W.I.F.T.、SWIFT标志、Sibos、Accord和SWIFT的衍生产品和服务名称（诸如但不限于SWIFTNet 和SWIFTAlliance）均为S.W.I.F.T. SCRL.的商标。

银行卡的测试方法及其模拟实现

银行卡的测试方法及其模拟实现作者姓名徐琳吉林大学分类号TP393 单位代码10183 研究生学号200754H019 密级公开吉林大学硕士学位论文银行卡的测试方法及其模拟实现Test Methods and Implementation of Bank Card 作者姓名徐琳专业软件工程研究方向软件工程指导教师金英副教授培养单位软件学院2010年4月银行卡的测试方法及其模拟实现Test Methods and Implementation of Bank Card 作者姓名徐琳专业名称软件工程指导教师金英副教授学位类别软件工程硕士答辩日期2010年6月5日未经本论文作者的书面授权依法收存和保管本论文书面版本、电子版本的任何单位和个人均不得对本论文的全部或部分内容进行任何形式的复制、修改、发行、出租、改编等有碍作者著作权的商业性使用但纯学术性使用不在此限。

否则应承担侵权的法律责任。

吉林大学硕士学位论文原创性声明本人郑重声明所呈交的硕士学位论文是本人在指导教师的指导下独立进行研究工作所取得的成果。

除文中已经注明引用的内容外本论文不包含任何其他个人或集体已经发表或撰写过的作品成果。

对本文的研究做出重要贡献的个人和集体均已在文中以明确方式标明。

本人完全意识到本声明的法律结果由本人承担。

学位论文作者签名日期《中国优秀博硕士学位论文全文数据库》投稿声明研究生院本人同意《中国优秀博硕士学位论文全文数据库》出版章程的内容愿意将本人的学位论文委托研究生院向中国学术期刊光盘版电子杂志社的《中国优秀博硕士学位论文全文数据库》投稿希望《中国优秀博硕士学位论文全文数据库》给予出版并同意在《中国博硕士学位论文评价数据库》和CNKI系列数据库中使用同意按章程规定享受相关权益。

论文级别■硕士□博士学科专业软件工程论文题目银行卡的测试方法及其模拟实现作者签名指导教师签名作者联系地址邮编吉林大学计算机大楼130012 作者联系电话158****9969提要软件测试在软件的生命周期中占据着及其重要的地位。

银行模拟实验步骤

知识要点储蓄业务柜员第一次登录本系统，首先应修改个人资料。

实验目的防止其他人修改登录密码及个人资料，同时也方便教师根据学生姓名及学号统计及查询实验成绩。

操作员密码修改柜员修改个人密码，防止其他人修改登录密码。

1 1操作员学号修改柜员修改自己的个人资料。

学生必须填写个人真实姓名，否那么，教师无法统计其实验成绩。

1 1增加尾箱尾箱号〔柜员个人钱箱号〕首位为“0〞，五位数。

设置尾箱号时，可选择与本人绑定，这样登录系统时就不必输入钱箱号，系统会默认以已绑定的尾箱号登录。

柜员第一次登录系统时，必须要设置一个尾箱号，否那么，无法领用凭证及进1 1行现金业务。

储蓄日初处理知识要点掌握如何领用凭证、凭证出库，理解柜员钱箱及部门钱箱之间的关联。

掌握如何查询凭证状态及凭证使用情况的方法。

实验目的理解银行柜台工作人员进行日初业务处理首先应领用凭证。

凭证及现金出库到柜员个人钱箱后才能进行柜员的日常业务操作。

凭证领用柜员领用凭证：1、领用“一本通存折〞10张，凭证号码为8位数；2、领用“一卡通〞10张，凭证号码为8位数；3、领用“大额双整存单〞10张，凭证号码为8位数；4、领用“整存整取〞存单10张，凭证号码为8位数；5、领用“出入库凭证〞10张，凭证号码为8位数；6、领用“普通存折〞10张，凭证号码为8位数；7、领用“普通支票〞25张，凭证号码为8位数；8、领用“定活两便存单〞10张，凭证号码为8位数；9、领用“信用卡〞10张，信用卡号码(16位): 8989(4位)+部门号(4位)+顺序号(8位) 。

注意：柜员第一次使用本系统时，必须要先领用凭证。

凭证“开始号码〞与“结束号码〞不能与其它柜员领取的号码相同。

自已领用的凭证号码应记下，以便接下来的业务操作使用。

如果钱箱中已有以上各种凭证，日初处理时就不必再领用凭证。

3 3重要空白凭证出库柜员领用了多少张凭证就出库多少张凭证，一张凭证为1元。

例如领用信用卡号码为898900009，共10张信用卡凭证，那么出库金额为10元。

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Management Information Systems Test BankChapter 3 Information Systems, Organizations, and Strategy1 True-False Questions1) The technical and behavioral definitions of organizations are contradictory.Answer: FALSE2) From the point of view of economics, information systems technology can be viewed as a factor of production that can be substituted for traditional capital and labor.Answer: TRUE3) A firm can be said to have competitive advantage when they have higher stock market valuations than their competitors.Answer: TRUE4 Customers are one of the competitive forces that affect an organization's ability to compete. Answer: TRUE5) Organizational culture restrains political conflict and promotes common understanding, agreement on procedures, and common practices.Answer: TRUE6) Strong linkages to customers and suppliers decrease switching costs.Answer: FALSE7) Research on project implementation failures demonstrates that the most common reason for failure of large projects to reach their objectives is organizational and political resistance to change.Answer: TRUE8) In the strategy of product differentiation, information systems are used to enable new products and services.Answer: TRUE9) Customers are one of the competitive forces that affect an organization’s ability to compete. Answer: TRUE10) In the value chain model, primary activities are most directly related to the production and distribution of the firm's products and services that create value for the customer.Answer: TRUE11) The value chain model classifies all company activities as either primary or support. Answer: TRUE12) In virtual organizations, work is tied to geographic location.Answer: FALSE13) The law of diminishing returns always applies to digital, as well as traditional companies. Answer: FALSE14) The term business ecosystem describes the interplay between the various organizational forces within a firm.Answer: FALSE15) The use of Internet technologies allows companies to more easily sustain competitive advantage.Answer: FALSE2 Multiple-Choice Questions1) A stable, formal social structure that takes resources from the environment and processes them to produce outputs is called a(n):A) micro system.B) organization.C) bureaucracy.D) value chain.Answer: D2) The interaction between information systems and organizations isA) primarily guided by the decision making of middle- and senior-managers.B) a complex, two-way relationship mediated by factors such as the environment and organizational structure.C) driven by the microeconomic forces of capital and labor.D) successfully managed when the organization's existing culture and goals are seen as the driving force.Answer: B3) An organization is aA) stable, formal social structure that takes resources from the environment and processes them to produce outputs.B) formal, legal entity with internal rules and procedures that must abide by laws.C) collection of social elements.D) a, b, and cAnswer: D4) According to the ________ definition of organizations, an organization is seen as a means by which primary production factors are transformed into outputs consumed by the environment. A) microeconomic B) macroeconomicC) sociotechnical D) behavioralAnswer: A5) The greatest difficulty of bringing about organizational change – especially the development of new information systems is:A) computerizing manual systems.B) recruiting qualified employees.C) political resistance.D)perceiving environmental change.Answer: C6) Fundamental assumptions about what products the organization should produce, how it should produce them, where, and for whom is known as:A) motivational factors.B) organizational culture.C) business processes.D) standard operating procedures.Answer: B7) Routines for producing goods and services are sometimes called:A) bureaucratic structures.B) standard operating procedures.C) routine tasks.D) formal structures.Answer: D8) All of the following are major features of organizations that impact the use of information systems EXCEPT forA) business processes.B) environments.C) goals.D) agency costs.Answer: D9) Business processes are collections ofA) informal practices and behaviors.B) formalized and documented practices.C) routines.D) rights and privileges.Answer: C10) The costs incurred when a firm buys on the marketplace what it cannot make itself are referred to as:A) switching costs.B) transaction costs.C) procurement.D) agency costs.Answer: B11) The ability to offer individually tailored products or services using the same production resources as bulk production referred to as:A) Mass customization B) Size customizationC) Magnitude customization D) Dimension customizationAnswer: A12) Which of the following statements is NOT true about information technology's impacts on business firms?A) It helps firms expand in size.B) It helps firms lower the cost of market participation.C) It helps reduce internal management costs.D) It helps reduce transaction costs.Answer: A13) According to agency theory, the firm is viewed as a(n):A) unified, profit-maximizing entity.B) task force organization that must respond to rapidly changing environments.C) entrepreneurial endeavor.D) "nexus of contracts" among self-interested individuals.Answer: D14) According to Leavitt's model of organizational resistance, the four components that must be changed in an organization in order to successfully implement a new information system areA) environment, organization, structure, tasks.B) technology, people, culture, and structure.C) organization, culture, management.D) tasks, technology, people, and structure.Answer: D15) An information system can enhance core competencies by:A) providing better reporting facilities.B) creating educational opportunities for management.C) allowing operational employees to interact with management.D) encouraging the sharing of knowledge across business units.Answer: D16) The ________ model is used to describe the interaction of external forces that affect an organization's strategy and ability to compete.A) network economics B) competitive forcesC) competitive advantage D) demand controlAnswer: B17) Which of the following is NOT one of the competitive forces?A) suppliers B) other competitorsC) external environment D) customersAnswer: C18) Which of the following industries has a low barrier to entry?A) automotive B) computer chipC) restaurant D) airlineAnswer: C19) A firm can exercise greater control over its suppliers by havingA) more suppliers.B) fewer suppliers.C) global suppliers.D) local suppliers.Answer: A20) When a firm provides a specialized product or service for a narrow target market better than competitors, they are using a:A) product differentiation strategy.B) focused on market niche strategy.C) low cost strategy.D) customization strategy.Answer: B21) The four major types of competitive strategy areA) low-cost leadership; substitute products and services; customers; and suppliers.B) low-cost leadership; product differentiation; focus on market niche; and customer and supplier intimacy.C) new market entrants; substitute products and services; customers; and suppliers.D) low-cost leadership; new market entrants; product differentiation; and focus on market niche. Answer: B22) Wal-Mart's continuous replenishment system allows it to:A) provide mass customization.B) provide an efficient customer response system.C) strengthen customer intimacy.D) achieve economy of scale.Answer: B23) When a firm provides a specialized product or service for a narrow target market better than competitors, they are using a ________ strategy.A) product differentiation B) market nicheC) mass customization D) process efficiencyAnswer: B24) ________ is the ability to offer individually tailored products or services using the same production resources as bulk production.A) Mass customization B) Size customizationC) Magnitude customization D) Dimension customizationAnswer: A25) The value chain modelA) categorizes five related advantages for adding value to a firm's products or services.B) sees the supply chain as the primary activity for adding value.C) categorizes four basic strategies a firm can use to enhance its value chain.D) helps a firm identify points at which information technology can most effectively enhance its competitive position.Answer: D26) The primary activities of a firm includeA) inbound logistics, operations, outbound logistics, sales and marketing, and service.B) inbound logistics, operations, outbound logistics, technology, and service.C) procurement, inbound logistics, operations, technology, and outbound logistics.D) procurement, operations, technology, sales and marketing, and services.Answer: A27) The most successful solutions or methods for achieving a business objective are calledA) value activities.B) best processes.C) core competencies.D) best practices.Answer: D28) The more any given resource is applied to production, the lower the marginal gain in output, until a point is reached where the additional inputs produce no additional output. This is referred to asA) the point of no return.B) the law of diminishing returns.C) supply and demand.D) network inelasticity.Answer: B29) In network economics, the value of a commercial software vendor's software productsA) increases as more people use them.B) decreases as more people use them.C) increases due to higher marginal gain in output.D) decreases according to the law of diminishing returns.Answer: A30) A virtual companyA) uses the capabilities of other companies without being physically tied to those companies.B) uses Internet technology to maintain a virtual storefront.C) uses Internet technology to maintain a networked community of users.D) provides entirely Internet-driven services, or virtual products.Answer: A3 Fill in the Blanks1) ________theory states that firms grow larger because they can conduct marketplace transactions internally more cheaply than they can with external firms in the marketplace. Answer: transaction cost2) A(n) ________ activity is one that is directly related to the production and distribution of a firm's products or services.Answer: primary3) A(n) ________ activity is a part of the organization's infrastructure, human resources, technology, and procurement that makes the delivery of the firm's products or services possible. Answer: Support4) The ________ is a collection of independent firms that use information technology to coordinate their value chains to collectively produce a product or service for a market. Answer: value web5) A(n) ________ is an activity at which a firm excels as a world-class leader.Answer: core competencyDiff: 2Page Ref: 1056) A(n) ________ company uses networks to link people, assets, and ideas, enabling it to work with other companies to create products and services without being limited by traditionalorganizational boundaries or physical locations.Answer: virtual7) ________ is a competitive strategy for creating brand loyalty by developing new and unique products and services that are not easily duplicated by competitors.Answer: Product differentiation8) ________ is the ability to offer individually tailored products and services using the same production resources as mass production.Answer: Mass customization9) ________ are the expenses incurred by a customer or company in lost time and resources when changing from one supplier or system to a competing supplier or system.Answer: Switching costs10) The ________ highlights the primary or support activities that add a margin of value to a firm's products or services where information systems can best be applied to achieve a competitive advantage.Answer: value chain model4 Essay Questions1) Define an organization and compare the technical definition of organizations with the behavioral definition.Answer: The technical definition for an organization defines an organization as a stable, formal social structure that takes resources from the environment and processes them to produce outputs. This definition of an organization focuses on three elements: capital, labor, and production and products for consumption. The technical definition also implies that organizations are more stable than an informal group, are formal legal entities, and are social structures.The behavioral definition states that an organization is a collection of rights, privileges, obligations, and responsibilities that are delicately balanced over a period of time through conflict and conflict resolution. This definition highlights the people within the organization, their ways of working, and their relationships.The technical definition shows us how a firm combines capital, labor, and information technology. The behavioral definition examines how information technology impacts the inner workings of the organization.2) Describe the major economic theories that help explain how information systems affect organizations.The two economic theories discussed in the book are transaction cost theory and agency theory. The transaction cost theory is based on the notion that a firm incurs transaction costs when it buys goods in the marketplace rather than making products for itself. Traditionally, firms sought to reduce transaction costs by getting bigger, hiring more employees, vertical and horizontal integration, and small-company takeovers. Information technology helps firms lower the cost of market participation (transaction costs) and helps firms shrink in size while producing the sameor greater amount of output.The agency theory views the firm as a nexus of contracts among interested individuals. The owner employs agents (employees) to perform work on his or her behalf and delegates some decision-making authority to the agents. Agents need constant supervision and management, which introduces management costs. As firms grow, management costs rise. Information technology reduces agency costs by providing information more easily so that managers can supervise a larger number of people with fewer resources.3) List and describe four competitive strategies enabled by information systems that firms can pursue.Answer: The four generic strategies, each of which often is enabled by using information technology and systems include:●Low-cost leadership: lowest operational costs and the lowest prices. use information systemsto improve inventory management, supply management, and create efficient customerresponse systems.●Product differentiation: enable new products and services, or greatly change the customerconvenience in using existing products and services. use information systems to createproducts and services that are customized and personalized to fit the precise specifications of individual customers.●Focus on market niche: enable a specific market focus and serve this narrow target marketbetter than competitors. use information systems to produce and analyze data for finelytuned sales and marketing techniques.●Strengthen customer and suppliers: tighten linkages with suppliers and develop intimacywith customers. use information systems to facilitate direct access from suppliers toinformation within the company. Increase switching costs and loyalty to the company4) Describe the value chain model, and explain how the value chain model can be used to identify opportunities for information systems.Answer: The value chain model highlights specific activities in the business where competitive strategies can best be applied and where information systems will most likely have a strategic impact. The model identifies specific, critical leverage points where a firm can use information technology most effectively to enhance its competitive position. The value chain model views the firm as a series of basic activities that add a margin of value to a firm’s products or services. The activities are categorized as either primary or support activities. Primary activities are most directly related to production and distribution of the firm’s products and services, which create value for the customer. Support activities make the delivery of primary activities possible and consist of organization infrastructure. Information systems can be used at each stage of the value chain to improve operational efficiency, lower costs, improve profit margins, and forge a closer relationship with customers and suppliers.5) Define and describe a virtual company and the benefits of pursuing a virtual company strategy.Answer: A virtual company uses networks to link people, assets, and ideas, enabling it to ally with other companies to create and distribute products and services without being limited by traditional organizational boundaries or physical locations. One company can use thecapabilities of another company without being physically tied to that company. The virtual company model is useful when a company finds it cheaper to acquire products, services, or capabilities from an external vendor or when it needs to move quickly to exploit new market opportunities and lacks the time and resources to respond on its own.。