广东工业大学金融学综合2019--2020年考研初试真题
广东工业大学考研历年真题
广东工业大学考研历年真题【第一部分:单项填空】1. However, some actors _____ us with the deep feelings they can inspire in us for a character they are playing. [单选题] *A.astonishedB. astonishingC. astonish(正确答案)D. is astonished2. He was a _____ figure in the French film industry. [单选题] *A. dominantlyB. dominant(正确答案)C. dominanceD. dominants3. The morning after your arrival, you meet with the _____ physician for a private consultation. [单选题] *A. residentsB. resident(正确答案)C. residenceD. residences4._____a reply, he decided to write again. [单选题] *A. Not receivingB. ReceivingC. Not having received(正确答案)D. Having not received5.With lots of trees and flowers _____here and there, the city looks very beautiful. [单选题] *A. having plantedB. planted(正确答案)C. have been plantedD. to be planted6. I have bought two ball-pens, _______ writes well. [单选题] *A. none of themB. neither of themC. neither of which(正确答案)D. none of which7.Great changes have taken place since then in the factory _______we are working. [单选题] *A.where(正确答案)B.hatC.whichD.there8.The engineer ______my father works is about 50 years old. [单选题] *A. to whomB. on whomC. with whichD. with whom(正确答案)9.The reason ______he didn't come was ______he was ill. [单选题] *A. why; that(正确答案)B.that;whyC. for that;thatD.for which;what10. Is _______ some German friends visited last week? [单选题] *A. this schoolB. this the schoolC. this school oneD. this school where(正确答案)11. They are not very good, but we like_______. [单选题] *A. anyway to play basketball with themB. to play basketball with them anyway(正确答案)C. to play with them basketball anywayD. with them to play basketball anyway12. He sent me an e-mail, _______to get further information. [单选题] *A. hopedB hoping(正确答案)C. to hopeD. hope13._____in 1636, Harvard is one of the most famous universities in the United States. [单选题] *A. Being roundedB it was foundedC. Founded(正确答案)D. Founding14.The ____boy was last seen ______near the East Lake. [单选题] *A. Missing, playing(正确答案)B. missing, playC missed, playedD missed, to play15. Tony was very unhappy for _______ to the party. [单选题] *A. having not been invitedB. not having invitedC. having not invitedD not having been invited(正确答案)【第二部分:完形填空】A new study found that inner-city kids living in neighborhoods with more green spacegained about 13% less weight over a two-year period than kids living amid more concrete and fewer trees. Such __62__ tell a powerful story. The obesity epidemic began in the 1980s, and many people __63__ it to increased portion sizes and inactivity, but that can't be everything. Fast foods and TVs have been __64__ us for a long time. "Most experts agree that the changes were __65__ to something in the environment," says social epidemiologist Thomas Glass of The Johns Hopkins Bloomberg School of Public Health. That something could be a __66__ of the green.The new research, __67__ in the American Journal of Preventive Medicine, isn't the first to associate greenery with better health, but it does get us closer __68__ identifying what works and why. At its most straightforward, a green neighborhood __69__ means more places for kids to play – which is __70__ since time spent outdoors is one of the strongest correlates of children's activity levels. But green space is good for the mind__71__: research by environmental psychologists has shown that it has cognitive __72__ for children with attention-deficit disorder. In one study, just reading __73__ in a green setting improved kids' symptoms.__74__ to grassy areas has also been linked to __75__ stress and a lower body mass index (体重指数) among adults. And an __76__ of 3,000 Tokyo residents associated walkable green spaces with greater longevity (长寿) among senior citizens.Glass cautions that most studies don't __77__ prove a causal link between greenness and health, but they're nonetheless helping spur action. In September the U. S. House of Representatives __78__ the delightfully named No Child Left Inside Act to encourage public initiatives aimed at exposing kids to the outdoors.Finding green space is not __79__ easy, and you may have to work a bit to get your family a little grass and trees. If you live in a suburb or a city with good parks, take__80__ of what's there. Your children in particular will love it – and their bodies and minds will be __81__ to you.16. [单选题] *A) findings(正确答案)B) thesesC) hypothesesD) abstracts17. [单选题] *A) adaptB) attribute(正确答案)C) allocateD) alternate18. [单选题] *A) amongstB) alongC) besideD) with(正确答案)19. [单选题] *A) gluedB) related(正确答案)C) trackedD) appointed20. [单选题] *A) scrapingB) denyingC) depressingD) shrinking(正确答案)21. [单选题] *A) published(正确答案)B) simulatedC) illuminatedD) circulated22. [单选题] *A)atB)to(正确答案)C)forD)over23. [单选题] *A) fullyB) simply(正确答案)C) seriouslyD) uniquely24. [单选题] *A)vital(正确答案)B)casualC)fatalD)subtle25. [单选题] *A) stillB) alreadyC) too(正确答案)D) yet26. [单选题] *A) benefits(正确答案)B) profitsC) revenuesD) awards27. [单选题] *A) outwardB) apartC) asideD) outside(正确答案)28. [单选题] *A) ImmunityB) ReactionC) Exposure(正确答案)D) Addiction29. [单选题] *A)muchB)less(正确答案)C)moreD)little30. [单选题] *A) installmentB) expeditionC) analysis(正确答案)D) option31. [单选题] *A) curiouslyB) negativelyC) necessarily(正确答案)D) comfortably32. [单选题] *A) relievedB) delegatedC) approved(正确答案)D) performed33. [单选题] *A)merelyB)always(正确答案)C)mainlyD)almost34. [单选题] *A) advantage(正确答案)B) exceptionC) measureD) charge35. [单选题] *A) elevatedB) mercifulC) contentedD) grateful(正确答案)【第三部分:阅读理解】Passage 1Will there ever be another Einstein? This is the undercurrent of conversation at Einstein memorial meetings throughout the year. A new Einstein will emerge, scientists say. But it may take a long time. After all, more than 200 years separated Einstein from his nearest rival, Isaac Newton.Many physicists say the next Einstein hasn’t been born yet, or is a baby now. That’s because the quest for a unified theory that would account for all the forces of nature has pushed current mathematics to its limits. New math must be created before the problem can be solved.But researchers say there are many other factors working against another Einsteinemerging anytime soon.For one thing, physics is a much different field today. In Einstein’s day, there were only a few thousand physicists worldwide, and the theoreticians who could intellectually rival Einstein probably would fit into a streetcar with seats to spare.Education is different, too. One crucial aspect of Einstein’s training that is overlooked is the years of philosophy he read as a teenager—Kant, Schopenhauer and Spinoza, among others. It taught him how to think independently and abstractly about space and time, and it wasn’t long before he became a philosopher himself.“The independence created by philosophical insight is—in my opinion—the mark of distinction between a mere artisan (工匠) or specialist and a real seeker after truth,”Einstein wrote in 1944.And he was an accomplished musician. The interplay between music and math is well known. Einstein would furiously play his violin as a way to think through a knotty physics problem.Today, universities have produced millions of physicists. There aren’t many jobs in science for them, so they go to Wall Street and Silicon Valley to apply their analytical skills to more practical—and rewarding—efforts.“Maybe there is an Einstein out there today,” said Columbia University physicist Brian Greene, “but it would be a lot harder for him to be heard.”Especially considering what Einstein was proposing.“The actual fabric of space and time curving? My God, what an idea!” Greene said at a recent gathering at the Aspen Institute. “It takes a certain type of person who will bang his head against the wall because you believe you’ll find the solution.”Perhaps the best examples are the five scientific papers Einstein wrote in his “miracle year” of 1905. These “thought experiments” were pages of calculations signed and submitted to the prestigious journal Annalen der Physik by a virtual unknown. There were no footnotes or citations.What might happen to such a submission today?“We all get papers like those in the mail,” Greene said. “We put them in the junk file.”36. What do scientists seem to agree upon, judging from the first two paragraphs? [单选题] *[A] Einstein pushed mathematics almost to its limits.[B] It will take another Einstein to build a unified theory.[C] No physicist is likely to surpass Einstein in the next 200 years.[D] It will be some time before a new Einstein emerges.(正确答案)37. What was critical to Einstein’s success? [单选题] *[A] His talent as an accomplished musician.[B] His independent and abstract thinking.(正确答案)[C] His untiring effort to fulfill his potential.[D] His solid foundation in math theory.38. What does the author tell us about physicists today? [单选题] *[A] They tend to neglect training in analytical skills.[B] They are very good at solving practical problems.[C] They attach great importance to publishing academic papers.[D] They often go into fields yielding greater financial benefits.(正确答案)39. What does Brian Greene imply by saying “... it would be a lot harder for him to be heard” (Lines 1-2, Para. 9)? [单选题] *[A] People have to compete in order to get their papers published.[B] It is hard for a scientist to have his papers published today.[C] Papers like Einstein’s would unlikely get published today.[D] Nobody will read papers on apparently ridiculous theories.(正确答案)40. When he submitted his papers in 1905, Einstein _______. [单选题] *[A] forgot to make footnotes and citations[B] was little known in academic circles(正确答案)[C] was known as a young genius in math calculations[D] knew nothing about the format of academic papersPassage 2The relationship between formal education and economic growth in poorcountries is widely misunderstood by economists and politicians alike. Progress in both areas is undoubtedly necessary for the social, political, and intellectual development of these and all other societies; however, the conventional view that education should be one of the very highest priorities for promoting rapid economic development in poor countries is wrong. We are fortunate that it is, because building new educational systems there and putting enough people through them to improve economic performance would require two or three generations. The findings of a research institution have consistently shown that workers in all countries can be trained on the job to achieve radically higher productivity and, as a result, radically higher standards ofliving.Ironically, the first evidence for this idea appeared in the United States. Not long ago, with the country entering a recession and Japan at its pre-bubble peak, the U.S. workforce was derided as poorly educated and one of the primary causes of the poor U.S. economic performance. Japan was, and remains, the global leader in automotive-assembly productivity. Yet the research revealed that the U.S. factories of Honda, Nissan, and Toyota achieved about 95 percent of the productivity of their Japanese counterparts - a result of the training that U.S. workers received on the job.More recently, while examining housing construction, the researchers discoveredthat illiterate, non-English-speaking Mexican workers in Houston, Texas, consistently met best-practice labor productivity standards despite the complexity of the building industry's work.What is the real relationship between education and economic development? Wehave to suspect that continuing economic growth promotes the development of education even when governments don't force it. After all, that's how education got started. When our ancestors were hunters and gatherers 10, 000 years ago, they didn't have time to wonder much about anything besides finding food. Only when humanity began to get its food in a more productive way was there time for other things.As education improved, humanity's productivity potential increased as well.When the competitive environment pushed our ancestors to achieve that potential,they could in tum afford more education. This increasingly high level of education is probably a necessary, but not a sufficient, condition for the complex political systems required by advanced economic performance. Thus poor countries might not be ableto escape their poverty traps without political changes that may be possible only with broader formal education. A lack of formal education, however, doesn't constrain the ability of the developing world's workforce to substantially improve productivity forthe foreseeable future. On the contrary, constraints on improving productivity explain why education isn't developing more quickly there than it is.41. The author holds in Paragraph 1 that the importance of education in poor [单选题] * countries[A] is subject to groundless doubts.[B] has fallen victim of bias.[C] is conventionally downgraded.[D] has been overestimated.(正确答案)42. It is stated in Paragraph 1 that the construction of a new educational system [单选题] *[A] challenges economists and politicians.[B] takes efforts of generations.(正确答案)[C] demands priority from the government.[D] requires sufficient labor force.43. A major difference between the Japanese and U.S. workforces is that [单选题] *[A] the Japanese workforce is better disciplined.[B] the Japanese workforce is more productive.(正确答案)[C] the U.S. workforce has a better education.[D] the U.S. workforce is more organized.44. The author quotes the example of our ancestors to show that education emerged [单选题] *[A] when people had enough time.[B] prior to better ways of finding food.[C] when people no longer went hungry.(正确答案)[D] as a result of pressure on government.45. According to the last paragraph, development of education [单选题] *[A] results directly from competitive environments.[B] does not depend on economic performance.[C] follows improved productivity.(正确答案)[D] cannot afford political changes.Passage 3A symbiotic relationship is an interaction between two or more species in which one species lives in or on another species. There are three main types of symbiotic relationships: parasitism, commensalism, and mutualism. The first and the third can be key factors in the structure of a biological community; that is, all the populations oforganisms living together and potentially interacting in a particular area.Parasitism is a kind of predator-prey relationship in which one organism, the parasite, derives its food at the expense of its symbiotic associate, the host. Parasites are usually smaller than their hosts. An example of a parasite is a tapeworm that lives inside the intestines of a larger animal and absorbs nutrients from its host. Natural selection favors the parasites that are best able to find and feed on hosts. At the same time, defensive abilities of hosts are also selected for. As an example, plants make chemicals toxic to fungal and bacterial parasites, along with ones toxic to predatory animals (sometimes they are the same chemicals). In vertebrates, the immune system provides a multiple defense against internal parasites.At times, it is actually possible to watch the effects of natural selection in host-parasite relationships. For example, Australia during the 1940 s was overrun by hundreds of millions of European rabbits. The rabbits destroyed huge expanses of Australia and threatened the sheep and cattle industries. In 1950, myxoma virus, a parasite that affects rabbits, was deliberately introduced into Australia to control the rabbit population. Spread rapidly by mosquitoes, the virus devastated the rabbit population. The virus was less deadly to the offspring of surviving rabbits, however, and it caused less and less harm over the years. Apparently, genotypes (the genetic make-up of an organism) in the rabbit population were selected that were better able to resist the parasite. Meanwhile, the deadliest strains of the virus perished with their hosts as natural selection favored strains that could infect hosts but not kill them. Thus, natural selection stabilized this host-parasite relationship.In contrast to parasitism, in commensalism, one partner benefits without significantly affecting the other. Few cases of absolute commensalism probably exist, because it is unlikely that one of the partners will be completely unaffected. Commensal associations sometimes involve one species' obtaining food that is inadvertently exposed by another. For instance, several kinds of birds feed on insects flushed out of the grass by grazing cattle. It is difficult to imagine how this could affect the cattle, but the relationship may help or hinder them in some way not yet recognized.The third type of symbiosis, mutualism, benefits both partners in the relationship Legume plants and their nitrogen-fixing bacteria, and the interactions between flowering plantsand their pollinators, are examples of mutualistic association. In the first case, the plants provide the bacteria with carbohydrates and other organic compounds, and the bacteria have enzymes that act as catalysts that eventually add nitrogen to the soil, enriching it. In the second case, pollinators (insects, birds) obtain food from the flowering plant, and the plant has its pollen distributed and seeds dispersed much more efficiently than they would be if they were carried by the wind only. Another example of mutualism would be the bull's horn acacia tree, which grows in Central and South America. The tree provides a place to live for ants of the genus Pseudomyrmex. The ants live in large, hollow thorns and eat sugar secreted by the tree. The ants also eat yellow structures at the tip of leaflets: these are protein rich and seem to have no function for the tree except to attract ants. The ants benefit the host tree by attacking virtually anything that touches it. They sting other insects and large herbivores (animals that eat only plants) and even clip surrounding vegetation that grows near the tree. When the ants are removed, the trees usually die, probably because herbivores damage them so much that they are unable to compete with surrounding vegetation for light and growing space.The complex interplay of species in symbiotic relationships highlights an important point about communities: Their structure depends on a web of diverse connections among organisms.46.Which of the following statements about commensalism can be inferred from paragraph 1? [单选题] *[A]It excludes interactions between more than two species.[B]It makes it less likely for species within a community to survive.[C]Its significance to the organization of biological communities is small.(正确答案)[D]Its role in the structure of biological populations is a disruptive one.47.According to paragraph 2. which of the following is true of the action of natural selection on hosts and parasites? [单选题] *[A]Hosts benefit more from natural selection than parasites do.[B]Both aggression in predators and defensive capacities in hosts are favored for species survival.(正确答案)[C]The ability to make toxic chemicals enables a parasite to find and isolate its host.[D]Larger size equips a parasite to prey on smaller host organisms.48.Which of the following can be concluded from the discussion in paragraph 3 about theAustralian rabbit population? [单选题] *[A]Human intervention may alter the host, the parasite. and the relationship between them.(正确答案)[B]The risks of introducing outside organisms into a biological community are not worth the benefits.[C]Humans should not interfere in host-parasite relationships.[D]Organisms that survive a parasitic attack do so in spite of the natural selection process.49.According to paragraph 3, all of the following characterize the way natural selectionstabilized the Australian rabbit population EXCEPT: [单选题] *[A]The most toxic viruses died with their hosts.[B]The surviving rabbits were increasingly immune to the virus.[C]The decline of the mosquito population caused the spread of the virus to decline.(正确答案)[D]Rabbits with specific genetic make-ups were favored.50.According to paragraph 5. which of the following is NOT true of the relationshipbetween the bull's horn acacia tree and the Pseudomyrmex ants? [单选题] *[A]Ants defend the host trees against the predatory actions of insects and animals.[B]The acacia trees are a valuable source of nutrition for the ants.[C]The ants enable the acacia tree to produce its own chemical defenses.(正确答案)[D]The ants protect the acacia from having to compete with surrounding vegetation.。
金融硕士(MF)金融学综合历年真题试卷汇编24.doc
金融硕士（MF）金融学综合历年真题试卷汇编24(总分：108.00，做题时间：90分钟)一、单项选择题(总题数：20，分数：40.00)1.货币层次是根据( )来划分的。
（分数：2.00）A.安全性B.收益性C.流动性D.风险性2.下列信用形式属于银行信用的是( )。
（分数：2.00）A.商业汇票和银行承兑汇票B.商业本票和银行汇票C.商业汇票和银行本票D.银行承兑汇票和银行本票3.假设你花了100元获得一项资产，该资产以后每年会给你带来5元的稳定收入，假设市场利率等于4％，那么你愿意最低以( )价格出售这项资产。
（分数：2.00）A.100元B.99元C.101元D.125元4.以下关于利率的期限结构说法错误的是( )。
（分数：2.00）A.利率期限结构通常表现出短期利率波动大，长期利率波动小的特征B.市场分割理论不能解释收益率曲线通常向上倾斜的特征C.预期理论能够解释短期利率和长期利率的联动关系D.流动性升水理论假设不同期限的债券之间存在不完全的替代性5.一位投资者以5元的价格买入A公司的股票，持有3个月后，以5．5元的价格出售，在持有期间A公司派发了0．15元每股的红利。
那么该投资者的投资收益率是( )。
（分数：2.00）A.12％B.5％C.3％D.13％6.下列关于证券发行的说法错误的是( )。
（分数：2.00）A.私募发行手续简单，节省费用，但流动性差B.公募发行成本较高．但可以在短期内募集较大资金C.直接发行受到很多法律限制D.间接发行风险较大．发行费用高7.商业银行的经营原则是( )。
（分数：2.00）A.安全性、风险性、盈利性统筹兼顾B.安全性、盈利性、流动性统筹兼顾C.风险性、流动性、盈利性统筹兼顾D.盈利性、流动性、收益性统筹兼顾8.以下业务属于中央银行资产业务的是( )。
（分数：2.00）A.货币发行、存款业务、发行中央银行票据B.货币发行、再贷款、证券业务C.再贴现、证券业务、外汇储备D.外汇储备、再贴现、发行中央银行票据9.假设一个经济中流通中现金有20亿元，存款有100亿元，准备金有30亿元，法定存款准备金率是0．2，那么经济中商业银行持有超额存款准备金和货币乘数分别是( )。
2020年广东财经大学硕士研究生入学考试试卷(金融学综合)
广东财经大学硕士研究生入学考试试卷考试年度：2020年考试科目代码及名称：431-金融学综合(自命题)适用专业：025100 金融硕士［友情提醒：请在考点提供的专用答题纸上答题，答在本卷或草稿纸上无效！］一、名词解释（6题，每题5分，共30分）1.金融市场2.流动性3.一价定律4.贴现现金流量5.经营杠杆6.股东价值最大化二、判断题（10题，每题2分，共20分）1.财政和货币政策属于需求转换型政策。
（）2.欧洲货币市场的资金来源最初是石油美元。
（）3.固定汇率制度下，外汇储备和本国货币供应量的变化方向相同。
（）4.货币市场和资本市场的划分是以资金的用途为标准的。
（）5.资金盈余部门的一部分资金通过银行等金融中介机构流向资金短缺部门，称为直接金融转化机制。
（）6.有违约风险的公司债券风险溢价必须为负，违约风险越大，风险溢价越低。
（）7.凯恩斯强调了利率对交易性货币需求的影响。
（）8.弗里德曼认为货币的流通速度稳定可测。
（）9.中央银行具有发行的银行、银行的银行和政府的银行等三大职能。
（）10.通货膨胀有利于固定收入者而不利于可变收入者。
（）三、简答题（5题，每题8分，共40分）1.简述资产证券化的作用。
2.票据市场具有哪些作用？3.简述特里芬难题的基本内容。
4.简述商业银行超额准备金率的影响因素。
5.公司金融中为什么要进行敏感性分析和场景分析？试分析两种分析法的区别。
四、计算题（2题，每题10分，共20分）1.某人刚大学毕业，打算在5年后买一套70平方米的房子，目前房价是3万/平方米，并预计房价将每年以10%的幅度上涨。
买房要求支付3成首付，市场利率一直保持为6%，请问该人每年年初需要存多少钱，才能在第5年末存够首付所需资金？2.A公司发展很快。
股利预期在接下来的3年里将以24%的速度增长，之后将以6%的速度稳定增长。
如果必要报酬率是11%，且公司刚刚支付的股利为每股1.90美元，那么股票现在的价格为多少？五、论述题（2题，每题20分，共40分）1.试联系实际比较一般性货币政策工具。
广东金融学院431金融学综合2013-2019年考研真题试卷
广东金融学院
2019年全国硕士研究生入学考试试卷
考试科目代码及名称：431-金融学综合
专业代码及名称：025100-金融（专业学位）
友情提醒：请在考点提供的专用答题纸上答题，答在本卷或草稿纸上一律无效！
一、名词解释（6题，每题5分，共30分）
1．信用货币制度 2．浮动汇率 3．货币市场
4．最后贷款人 5．年金 6．敏感性分析
二、简答题（6题，每题10分，共60分）
1．试述商业银行面临的主要风险。
2．试述货币乘数对货币供给的影响。
3．试述货币政策的最终目标。
4．试述金融监管的动因。
5．试述有效市场理论对金融市场投资的意义。
6．试述企业价值评估的APV(Adjusted-Present-Value)法。
三、计算题（2题，每题10分，共20分）
1．当前市场1年期年利率为5%，2年期年利率为10%。
基于预期理论，计算1年后的1年期远期利率水平。
2．某公司拟投资一个项目，假设该项目存续期为3年，期初投资为1000万元，第一年末现金流入为200万元，第二年末现金流入为400万元，第三年末现金流入为600万元，该公司的资本成本为10%，该项目是否值得投资？
四、论述题（2题，每题20分，共40分）
1．试比较资本资产定价模型（CAPM）和套利定价理论（APT）。
2．2018年是“一带一路”倡议提出五周年，请基于国际资本流动理论，论述中国对外直接投资增加对中国经济的影响。
《金融学综合》试卷共1页第1页。
广东金融学院431金融学综合2015-2019年考研真题试卷
广东金融学院
2019年全国硕士研究生入学考试试卷
考试科目代码及名称：431-金融学综合
专业代码及名称：025100-金融（专业学位）
友情提醒：请在考点提供的专用答题纸上答题，答在本卷或草稿纸上一律无效！
一、名词解释（6题，每题5分，共30分）
1．信用货币制度 2．浮动汇率 3．货币市场
4．最后贷款人 5．年金 6．敏感性分析
二、简答题（6题，每题10分，共60分）
1．试述商业银行面临的主要风险。
2．试述货币乘数对货币供给的影响。
3．试述货币政策的最终目标。
4．试述金融监管的动因。
5．试述有效市场理论对金融市场投资的意义。
6．试述企业价值评估的APV(Adjusted-Present-Value)法。
三、计算题（2题，每题10分，共20分）
1．当前市场1年期年利率为5%，2年期年利率为10%。
基于预期理论，计算1年后的1年期远期利率水平。
2．某公司拟投资一个项目，假设该项目存续期为3年，期初投资为1000万元，第一年末现金流入为200万元，第二年末现金流入为400万元，第三年末现金流入为600万元，该公司的资本成本为10%，该项目是否值得投资？
四、论述题（2题，每题20分，共40分）
1．试比较资本资产定价模型（CAPM）和套利定价理论（APT）。
2．2018年是“一带一路”倡议提出五周年，请基于国际资本流动理论，论述中国对外直接投资增加对中国经济的影响。
《金融学综合》试卷共1页第1页。
广东金融学院2022年全国硕士研究生入学考试试卷
广东金融学院
2022年全国硕士研究生入学考试试卷（A）
考试科目代码及名称：431-金融学综合
专业代码及名称：025100-金融（专业学位）
友情提醒：请在考点提供的专用答题纸上答题，答在本卷或草稿纸上一律无效！
一、名词解释（6题，每题5分，共30分）
1．消费信用 2．表外业务 3．影子银行
4．浮动汇率制度 5．一级市场 6．内含报酬率
二、简答题（6题，每题10分，共60分）
1．简述商业银行的作用。
2．简述通货紧缩对社会经济的影响。
3．简述中央银行为什么要保持独立性。
4．简述国际资本流动的经济影响。
5．列出市场有效假说的三个层次，各个层次包含的信息集范围，以及相应各个层次无效的分析方法。
6．在财务管理的目标选择中，为什么企业价值最大化目标优于利润最大化目标？
三、计算题（2题，每题10分，共20分）
1．假设某商业银行从中央银行获得了10000元的贴现贷款，如果存款的法定准备金率为8%，该商业银行持有10%的超额准备金，流通中的现金漏损率为20%，计算：（1）存款乘数为多少？（2）银行体系最终将创造出多少存款货币？
2．证券市场有两种共同基金：基金A和基金B。
其中，基金A的期望收益率20％，标准差0.3；基金B期望收益率12％，标准差0.2；基金回报率之间的相关系数为-1。
求这两种风险基金的最小风险组合的投资比例各是多少？最小风险组合的期望值和标准差各是多少？
四、论述题（2题，每题20分，共40分）
1．在金融国际化发展和中国高质量对外开放的背景下，试述金融监管面临的挑战。
2．在公司财务实践中，支付、不支付股利的理由分别是什么？
《金融学综合》试卷共1页第1页。