商业银行管理彼得S.罗斯英文原书第8版 英语试题库Chap013
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Chapter 13
Managing Nondeposit Liabilities
Fill in the Blank Questions
1. Dollar denominated CDs issued outside the U.S. are called _________________________.
Answer: Eurodollar CDs
2. The CDs large foreign banks sell through their U.S. branches are called
_________________________.
Answer: Yankee CDs
3. When a bank buys funds from other financial institutions in order to cover good quality loan
demand and to satisfy deposit reserve requirements they are practicing
_________________________.
Answer: liability management
4. When the first priority of a bank is to make loans to all good quality loan customers they are
following the _________________________.
Answer: customer relationship doctrine
5. Originally __________________ consisted exclusively of deposits held by U.S. banks at the
Federal Reserve banks which were loaned from one bank to another.
Answer: federal funds
6. _________________________ is the short-term notes, with maturities ranging from 3 to 4 days to
9 months, issued by well known companies.
Answer: Commercial paper
7. A _________________________ is the temporary sale of high-quality, easily-liquidated assets
accompanied by the agreement to buy back those assets on a future specific date at a predetermined price.
Answer: repurchase agreement
8. Because the interest rate on CDs, commercial paper and other nondeposit borrowings (except
borrowings from the Federal Reserve discount window) are determined by supply and demand
conditions in the market they all face __________________ risk.
Answer: interest rate
9. The spread between current and expected loans and investments and the current and expected
deposit inflows and other sources of funds is known as the _________________________.
Answer: funds gap
10. A(n) _________________________ is an interest bearing receipt for funds issued by a bank with a
minimum denomination of $100,000.
Answer: negotiable (jumbo) CD
11. Because there is a danger that the bank in need of funds will not be able to find someone willing to
grant the bank a loan at a reasonable rate, they face _________________________.
Answer: credit availability risk
12. The Federal Reserve will make loans through its _________________________.
Answer: discount window
13. The securities most often used in a repurchase agreement are _________________________.
Answer: T-Bills
14. Virtually all nondeposit borrowing of a bank are ______-term rather than _______-term debt.
Answer: short, long
15. Repurchase Agreements (RPs) are very similar to Federal Funds and are often viewed as
____________ federal funds transactions.
Answer: collateralized
16. A repurchase agreement (RP) whereby the collateral is specifically identified is known as a
conventional or ____________ RP.
Answer: fixed-collateral
17. A ______________ repurchase agreement (RP) is one in which the underlying collateral is not
identified precisely and thus allows some substitution.
Answer: General Collateral Finance
18. The type of discount window loan with generally the highest rates of interest is known as
___________ credit.
Answer: secondary
19. The type of discount window loan with generally the lowest rate of interest is known as
__________ credit.
Answer: seasonal