英语单选题.docx
《英语单选题.docx》由会员分享，可在线阅读，更多相关《英语单选题.docx（33页珍藏版）》请在冰点文库上搜索。
英语单选题
“三大模块”题库（英语单项选择）
5.AninternalratingssystemisNOTintendedto:
（B）
A.promoteabettercreditriskselection
B.allowthebanktoprocessahighernumberofapplications
C.allowformoreaccuratecreditriskassessments
D.allowformoreaccuratepricingofexposures
E.ensureconsistencythroughouttheorganization
（Thepurposeofaninternalratingssystemistoensureconsistencythroughoutthebankingorganizationandpromotemoreaccurateriskquantifications,betterriskpricingandthereforeabettercreditriskselection.Itisnotprimarilyintendedtoallowthebanktoprocessahighernumberofapplications,althoughthiscouldbeasideeffect.）
9.Economiccapital（EC）:
（C）
A.istheminimumamountofmoneyaninstitutioncanloseoveraspecifiedtimehorizon.
B.isusedformarketriskonly.
C.canbeallocatedtoaspecifictransaction.
（ECcanbeallocatedtospecifictransactions,businessareaswithinabankortheentirebank.Theothertwostatementsareincorrect.Economiccapitalisnottheminimumamountofmoneyaninstitutioncanlose.Itistheamountofmoneythatisneededasabufferagainsttheriskorpotentiallossrelatedtoatransaction,abusinessunitortheentireinstitution.ECcanbeusedformanytypesofrisksandnotjustmarketrisk.）
10.Whateffectdoesalargecapitalbasehaveonabank?
（B）
A.Reducesthebank'screditrating
B.Reducesthebank'svulnerabilitytolargeunexpectedlosses
C.Exposesthebanktoadverseeconomicchanges
D.Increasesthebank’ssusceptibilitytolargeunexpectedlosses
（Alargecapitalbaselessensthebank’svulnerabilitytoadverseeconomicchangesorlargeunexpectedlosses）
13.Alargesubsidiaryinabankinggroupacquiresasizeablecompetitorwhoseoperationscomplementtheacquirer’sbusinesslines.
Whatisthelikelyeffectontheacquirer’soperationalrisk?
（A）
A.AnincreaseB.AreductionC.Nochange
（Thelikelyeffectisanincreaseontheacquirer’soperationalriskbecause,typically,thelargertheentitythehigherthelevelofoperationalrisk.）
22.AccordingtothelawofPeople’sRepublicofChinaonCommercialBank,acommercialbankinbankruptshallgiveprioritytopay（D）afterpayingtheliquidationfeesanditsstaffwagesandlaborinsurancefeesinarrears.
A.fiscaldeposits
B.moneyforinter-bankborrowing
C.taxforcountry
D.theprincipalandinterestsofsavingsdeposits
25.AccordingtotheLawofthePeople’sRepublicofChinaonCommercialBank,acommercialbankshallnotengagein（C）orinvestinrealestatenotforitsownusewithinthePeople'sRepublicofChina.
A.creditcardbusiness
B.tradesettlement
C.trustinvestmentorstockbusiness,
D.automobileconsumptionloanbusiness
26.AccordingtotheLawofthePeople’sRepublicofChinaonCommercialBank,whenabankingfinancialinstitutionchangeitsshareholders,thetotalcapitalamountortotalshareamountofthebankingfinancialinstitutionheldbyshareholdersreachingabove（A）%shallbeapprovedbyCBRC.
A.5B.10C.15D.20
28.AccordingtotheLawofthePeople’sRepublicofChinaonCommercialBank,acommercialbankshallnotneedtoobtaintheapprovalfromtheCBRC.（D）
A.changeofthenameofthecommercialbank;
B.changeoftheregisteredcapital;
C.readjustmentinbusinessscope;
D.changeofthedepartmentchiefinthecommercialbank
30.Inaletterofcredittransaction,thebankpaystheselleragainst______whichagree（s）with______.
A.documents...thecreditB.merchandise...thecontract
C.documents...thecontractD.merchandise...thebuyerordered
answer:
A
31.WhatoffollowingisNOTincludedinthethreepillarsundertheNewBaselAccord?
A.MinimumcapitalrequirementB.Supervision,
C.InformationdisclosureD.Marketdiscipline
answer:
C（出处：
三大模块）
32.Thevalueofmoneyvaries_____.
A.directlywiththeunemploymentrateB.directlywiththepricelevel
C.inverselywiththeunemploymentD.inverselywiththepricelevel
answer：
D（出处：
三大模块）
33.Liquiditymeasuresthe______.
A.valueofanasset
B.easewithwhichanassetcanbeexchanged
C.usefulnessofanasset
D.economicandmonetaryreliabilityofanassetcomparedwithotherassets
answer:
B
35.Theearliestbankintheworldoriginatedfrom__
A.GreeceB.Athens
C.AncientRomeD.AncientBabylon
answer：
D
36.ThosebankswhoadoptAdvancedInternalMeasurementApproach,whentomeasuredefaultriskexposure,long-termshouldbeappliedto.
A.TimeweightedAverageB.DefaultWeightedAverage
C.DataprovidedbycompetentauthorityD.Noneoftheabove
answer：
B
38.Intheyear,HongKongbegantodesignandcarryouttherisk-basedsupervision,thatwasmodeledbytheU.S.,underthehelpofIMF?
A:
2000B:
2001C:
2002D:
2003
标准答案：
B
39.Howmanyspecificregulatorystepswhichareconnectedwitheachotherintherisk-basedregulatoryframeworkarethere?
A：
5B：
6C：
7D：
8
标准答案：
B
40.Whichofthefollowingisanidealaccountingmeasurefromtheperspectiveofeconomics,butnothasbeenwidelyusedinbanks?
A:
ThebookvaluemethodB:
Themarketvaluemethod
C：
NetpresentvalueD:
Fairvaluemethod
标准答案：
C
43.Determinetheborrowersabilitytorepay，theprincipalbasisis：
（A）
A.Theborrower'scashflow
B.Theborrower'sprofitlevel
C.Whethertheborrowerisstate-ownedenterprises
D.Theborrower'stradecycle
44.whichfactoristhefirstconcernofbankontherepaymentabilityofborrowers?
（C）
A.FutureprofitsB.Futureaccountsreceivable
C.FuturecashflowsD.Financingability
45.Commercialbankisallowedtoprovidealoannomorethan（B）ofthecommercialbankcapitaltothesameborrower.
A.5%B.10%C.15%D.20%
46.Openmarketoperationsreferto（C）
A.Creditactivitiesofcommercialbanks
B.CentralBankregulationofcommercialbankloans
C.Thecentralbankbuysorsellsgovernmentbonds
D.Centralbankincreaseordecreasethesupplyofcurrency
48.Iftaxesdecrease,whichofthefollowingcorrectlydescribestheeffects?
Disposableincome___,consumption___,andsavings___.（B）
A、increase……decrease……decrease
B、increase……increase……increase
C、decrease……increase……increase
D、decrease……decrease……decrease
50.AsaCFAcandidate,tofulfilltherequirementofcomplyingwiththeCodeofEthicsandStandardsofProfessionalConduct,acandidatemusttell:
（A）
A.herimmediatesupervisorinwriting.
B.herimmediatesupervisororally.
C.theCEOofherfirminwriting.
D.everyoneinthefirmthroughawrittenmemo.
51.thepriceintheforeignexchangemarketiscalled：
（B）
A.thetradesurplusB.theexchangerate
C.themoneypriceD.thecurrencyrate
52.Businessprocesssavingsinstitutionsmaynotbeabsorbedbysavingsdepositsforthepurchaseof：
（D）
A.NationaldebtB.Policyfinancialbonds
C.SubordinatedDebtD.CorporateBonds
E.ForeignBonds
54.themainliabilityonabankbanlancesheetis：
（A）
A.depositsB.capitalandreserves
C.loansandoverdraftsD.cash
56.ThePhillipsCurveshowstherelationshipbetween（D）
A.aggregatedemandandaggregatesupply
B.interestratesandinflation
C.recessionsandbooms
D.inflationandtheunemploymentrate
57.Themostliquidofallassetsis（B）
A.thestockofcommercialbanks
B.M1
C.intelligence
D.thedebtofmajorcorporations
59.Whichisnotoneofthethreemajorrisksthatbankingindustryconfrontnowadays?
Answer:
ACreditRiskB:
LiquidityRiskC:
MarketRiskD:
OperationRisk
标准答案：
B
60.Commercialbankshouldinvestigateandclassifyallitsloanatleast______
Answer:
A:
MonthlyB:
QuarterlyC:
PerannumD:
Yearly
标准答案：
B
61.Thecumulativeextensionperiodoflong-termloancannotbeexceed______
Answer:
AoneyearB:
threeyears
C:
thehalfperiodoforiginalloanD:
theperiodoforiginalloan
标准答案：
B
62.InwhatageperiodcanaMainlandChineseapplyforcreditcard?
Answer:
A:
from18year-oldto60year-oldB:
from20year-oldto65year-old
C:
from18year-oldto65year-oldD:
from25year-oldto65year-old
标准答案：
C
63.Theratioofcommercialbank’sloantoitsdepositcannotexceed_____
Answer:
A:
60%B:
75%C:
80%D:
65%
标准答案：
B
64.Theminimumcapitalrequirementsofcommercialbankis:
_____
Answer:
A：
4%B：
6%C：
8%D：
10%
标准答案：
C
65.RAROC（Risk-adjustedReturnonCapital）=Risk-adjustedprofitaftertax/______
Answer:
A:
Paid-inCapitalB:
CommercialCapital
C:
MarketRiskCapitalD:
RetainedProfit
标准答案：
B
66.SayaJapaneseimportfromAmericanexporter.WhichwaycanheavoidtheriskofUSDappreciationandlockthecost?
Answer:
A:
sellingforwardYenB:
buyingforwardYen
C:
sellingforwardUSDD:
buyingforwardUSD
标准答案：
D
67.InNationalinter-bankbondmarket,debtsettlementandfundsettlementmustbecarried____
Answer:
A:
atthesametimeB:
atthesameday
C:
atthesamelocationD:
Intradinghall
标准答案：
B
68.Thecapitalratioofrealestatedevelopmentproject（notincludingaffordablehousingproject）cannotbebelow_____
Answer:
A:
20%B:
30%C:
35%D:
40%
标准答案：
B
70.Whichaccountshouldbeestablishedwhencommercialbankissuelandreserveloan?
Answer:
A:
aspecialaccountB:
amarginaccount
C:
landreserveinstitutionaccountD:
specialfundaccount
标准答案：
C
71.Nowadays,themainsourceofChinesecommercialbanksprofitis:
Answer:
A:
assetbusinessB:
liabilitybusiness
C:
offbalancesheetbusinessD:
middlemanbusiness
标准答案：
A
72Short-termloanis:
Answer:
A:
withinahalfyearB:
oneyearorwithinoneyear
C:
fiveyearsorwithinfiveyearsD:
threeyearorwithinthreeyears
标准答案：
B
73.Whichcapitalcanbeincludedinsupplementarycapitalofcommercialbanks?
Answer:
A:
SubordinatedbondB:
CapitalsurplusC:
UndistributedprofitD:
Equity
标准答案：
A
74.Thestandardoninterestrateofdepo
升级会员 