金融機構管理練習題《financial institutions management ：a risk management approach 》

1、Financial Institutions Management: A Risk Management Approach 5/e1 Why are Financial Intermediaries Special1 Financial intermediaries fulfill which of the following functions?A) BrokerageB) Asset transformationC) Savi

2、ngs providerD) All of the above.E) Only a and b above.2 The outlay in monetary expense to track the credit risk of borrowers is an exampleA) of liquidity cost.B) of monitoring cost.C) of price risk.D) of asset acquisitio

3、n cost.E) agency cost.3 Actions that utilize the money supply in an effort to impact macroeconomic activity often are part ofA) fiscal policy.B) tax policy.C) monetary policy.D) credit allocation.E) redlining.4 The proce

4、ss of funding assets of one maturity with liabilities of another maturity is calledA) size intermediation.B) denomination intermediation.C) credit allocation.D) payment intermediation.E) maturity intermediation.5 The cen

5、tral bank directly controls the portion of money known asA) inside money.B) outside money.C) international money.D) M2.E) M3.6 Regulations supporting the lending to socially important sectors of the economy isA) safety a

6、nd soundness regulation.B) monetary policy regulation.C) credit allocation regulation.D) entry regulation.E) consumer protection regulation.7 The most dramatic increase in the share of assets in FIs in the U.S. has been

7、inA) investment companies.occurs isA) an off-balance-sheet liability.B) a derivative contract.C) an off-balance-sheet asset.D) a negotiable certificate of deposit.E) none of the above.5 Legislation that prohibited commer

8、cial banks from underwriting securities, except in very limited situations, is theA) 1982 Garn-St Germain Depository Institutions Act.B) 1933 Glass-Steagall Act.C) 1978 International Banking Act.D) 1987 Competitive Equal

9、ity in Banking Act.E) 1927 McFadden Act.6 The main regulator(s) of savings associations is(are)A) FDIC-BIF fund.B) Office of Thrift Supervision.C) FDIC-SAIF fund.D) All of the above.E) b and c above.7 The process of depo

10、sit withdrawal, usually because of lower interest rates paid by FIs, for reinvestment elsewhere is calledA) disintermediationB) regulator forebearance.C) Regulation Q ceilings.D) off-balance-sheet financing.E) none of th

11、e above.8 The portion of the income statement that reflects money set aside for possible future credit losses isA) the reserve for loan losses.B) net interest income.C) non interest expense.D) the provision for loan loss

12、es.E) net interest margin.9 A commercial bank has earning assets of $1 billion which earn an average rate of 7 percent. The assets are funded by interest bearing liabilities of $800 million which cost 4 percent. Noninter

13、est income is $18,000,000 and noninterest expense is $28,000,000. No money is set aside for future chargeoffs. What is the net interest income for the bank?A) $70,000,000B) $32,000,000C) $38,000,000D) $56,000,000E) $40,0