商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap003Word文档下载推荐.doc

商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap003Word文档下载推荐.doc

《商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap003Word文档下载推荐.doc》由会员分享，可在线阅读，更多相关《商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap003Word文档下载推荐.doc（13页珍藏版）》请在冰点文库上搜索。

4. A（n）________________________isacorporationcharteredfortheexpresspurposeofholdingthestockofoneormorebanks.

BankHoldingCompany

5. Managerswhovaluefringebenefits,plushofficesandampletravelbudgetsoverthepursuitofmaximumreturnsforstockholdersareexhibitingsignsof__________________________.

ExpensePreferenceBehavior

6.A（n）__________________________caninvestincorporatestockassellasloanmoneytohelpfinancethestartofnewventuresorsupporttheexpansionofexistingbusinesses.

Merchantbank

7. Abankwhichoperatesexclusivelyovertheinternetisknownasa___________bank.

Virtual

8. Onenew21stcenturybankorganizationalstructuresis_____________________.Thisisaspecialtypeofholdingcompanythatmayofferthebroadestrangeoffinancialservices.

FinancialHoldingCompany（FHC）

9.Thekeyprobleminalargemoneycenterbankis.Managersmaybeknowledgeableaboutbankingpracticesbutmaybelessinformedaboutproductsandservicesofsubsidiarycompanies.

spanofcontrol

10.TheGramm-Leach-BlileyActmovedtheU.S.bankingindustryclosertobankinginwhichbanksmayprovidesecurities,insurance,andotherfinancialproducts.

universal

11.Abankthatisnotassociatedwithabankholdingcompanyiscalleda（n）bank.

independent

12.isaviewofhowmoderncorporationsoperatewhichanalyzestherelationshipbetweenafirm’sownersanditsmanagers.

Agencytheory

13.Manyexpertsbelievethat,therelationshipsthatexistbetweenmanagers,theboardofdirectorsandstockholders,ismorecomplicatedinfinancialinstitutions.Answer:

Becauseofgovernmentregulations.

14.istheideathattherewillbealowercostofproductionperunitasthefirmgetslarger.

Economiesofscale

15.istheideathattherewillbelowercostofproducingmultipleservicesusingthesameorganizationandresources.

Economiesofscope

16.Overtheyears,managersofbanksandotherfinancialinstitutionshaveevolveddifferentorganizationalformstoaddresschangesintheindustry.Indeed,thesefirmsareorganizedtocarryoutvariousrolesinthemostefficientway.Thisisreferredtoas_________________________.

Organizationalformfollowsfunction

True/FalseQuestions

T F 17. Banksizeisnotconsideredasignificantfactorindetermininghowbanksareorganized.

False

T F 18. NearlythreequartersofallU.S.banksexceed$100millioninassetsizeapiece.

T F 19. NearlyallU.S.bankswithfederalorstatechartershavetheirdepositsinsuredbytheFederalDepositInsuranceCorporation.

True

T F 20. State-charteredbanksintheUnitedStatesrepresentaboutaquarterofallU.S.-charteredbanks,whilenationalbanksaccountforapproximatelythreequartersofallU.S.charteredbanks.

T F 21. ThemajorityofallU.S.banksaremembersoftheFederalReserveSystem.

T F 22. Abankingcorporationcharteredbyeitherfederalorstategovernmentsthatoperatesonlyonefull-serviceofficeiscalledaunitbank.

T F 23. OverhalfofallU.S.statestodaylimitbranchingactivity.

T F 24. TheaverageU.S.bankislargerinsize（intermsofnumberofbranchoffices）thantheaverageCanadianbank.

T F 25. DespitetherapidgrowthofautomationinU.S.banking,therearemorefull-servicebranchbankingofficesthanautomatedtellermachinesacrossthewholeU.S.

T F 26. IntheUnitedStatestherearemoreone-bankholdingcompaniesthanmulti-bankholdingcompanies.

T F 27. Bankholdingcompaniesholdmorethan90percentoftheindustry’sassetsintheUnitedStates.

T F 28. Researchevidencesuggeststhatbankstakenoverbyinterstatebankingorganizationshavegenerallyincreasedtheirmarketsharesovertheircompetitorswithinthesamestateandgenerallyaremoreprofitablethantheircompetitors.

T F 29. Theconcentrationofbankdepositsatthelocallevel（thatisinurbancommunitiesandruralcounties）hasdisplayedonlymoderatechangesinrecentyears.

T F 30. Thereisevidencethatbranchbankschargehigherfeesforsomebankingservicesthandounitbanks.

T F 31. Branchbankstendtoofferawidermenuofservicesthanunitbanks.

T F 32. Recentresearchsuggeststhatbranchbankstendtobemoreprofitablethaneitherunitorholdingcompanybanks,whileinterstatebankstendtobethemostprofitableofall.

T F 33. Lessthan10percentofthelargestbanksintheU.S.controlalmost90percentoftheindustryassets.

T F 34. Agencytheorysuggeststhatbankmanagementwillalwayspursuethegoalofmaximizingthereturnofthebank'

sshareholders.

T F 35. RecentresearchsuggeststhattherelationshipbetweenbanksizeandthecostofproductionperunitisroughlyUshaped.

True

T F 36. Bankholdingcompaniesthatwanttoachievethegoalofriskreductioninearningsriskthroughinterstatebankingcanachievethesamelevelofriskreductionbyenteringanyofthefiftystates.

T F 37. Bankholdingcompaniesareallowedtoownnonbankbusinessesaslongasthosebusinessesofferservicescloselyrelatedtobanking.

T F 38. Bankstendtohaveahigherproportionofoutsidedirectorsthanatypicalmanufacturingfirm.

T F 39. Bankswhichoperateentirelyonthewebareknownasinvisiblebanks.

T F 40. Banksacquiredbyholdingcompaniesarereferredtoasaffiliatedbanks.

T F 41. Bankorganizationalstructurehasbecomemorecomplexinrecentyears.

T F 42. ThereareonlyaverysmallnumberofunitbanksintheU.S.today.

T F 43. Traditionalbrick-and-mortarbankbranchofficesareonthedeclineintheU.S.today.

T F 44. Communitybanksareusuallysmallerbanksthataredevotedprincipallytothemarketsforsmaller,locallybaseddepositsandloans.

T F 45. Thequestionofwhetherfinancialfirmsoperateasefficientlyaspossiblerequiresresearcherstolookintotheissueofx-efficiency.Theconceptrequiresanassessmentofthefinancialfirm’soperatingcostsinrelationtoitscost-efficientfrontier.

MultipleChoiceQuestions

46.Inbanking,organizationalformfollows__________becausebanksusuallyareorganizedinsuchawayastocarryoutthetasksandsupplytheservicesdemandedofthem.Thetermthatcorrectlyfillsintheblankinthesentenceaboveis:

A） Banksize

B） Management'

sdecision

C） Function

D） Regulation

E） Location

C

47.Whichoneofthefollowingischargedwithsettingpolicyandoverseeingabank'

sperformance?

A） Stockholders

B） Boardofdirectors

C） Regulators

D） Depositors

E） Noneoftheabove.

B

48.Thelargestbankspossesssomepotentialadvantagesoversmallandmedium-sizebanks,accordingtothetextbook.Whatspecificadvantageofthelargestbanksoversmallandmedium-sizedbanksisnotmentionedinthetext?

A） Greaterdiversificationgeographicallyandbyproductline

B） Availabilityoffinancialcapitalatlowercost

C） Greaterprofessionalexpertisetoallocatecapitaltothemostpromisingproductsandservices

D） Betterpositionedtotakeadvantageoftheopportunitiesaffordedbyinterstatebanking.

E） Alloftheabovewerementionedinthetextasadvantagestypicallypossessedbythelargestbanks.

E

49.BeforeanyfinancialservicescanbeofferedtoanyoneabankintheUnitedStatesmusthavea:

A） Certificateofdepositinsurance

B） Charterofincorporation

C） Listofestablishedcustomers

D） Newbuildingconstructedtobethebank'

spermanenthome

50.IntheUnitedStatestherearecloseto__________commercialbanksinoperation.WhichnumbershownbelowisclosesttotheactualtotalnumberofU.S.banksoperatingintheU.S.?

A） 20,500

B） 13,500

C） 11,500

D） 9,000

E） 7,500

51.Oneofthefewstatesthathasoptedoutofinterstatebankingis:

A） NewYork

B） Ohio

C） Texas

D） Montana

E） Noneoftheabove

D

52.TheconcentrationofU.S.bankdepositsinthehandsofthelargestbankshas_________duringthemostrecentperiod,

A） Declined

B） Incr