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第一章 单元测试
1、
In the U.S a bank is defined by federal and state laws and by bank regulators，so that we can divide the commecial banks in the U.S into two kinds：national bank and state bank .
A:对
B:错
答案: 对
2、
In the United States, banks are regulated through a dual banking system; that is, both federal and state authorities have significant regulatory powers.
A:对
B:错
答案: 对
3、
The Principal Reasons Financial-service Firms Are Subject to Government Regulation.( )
A:
To protect the safety of the public’s savings.
B:
To control the supply of money and credit in order to achieve a nation’s broad economic goals.
C:
To ensure equal opportunity and fairness in the public’s access to credit and other vital financial services.
D:
To promote public confidence in the financial system, so that savings flow smoothly into productive investment, and payments for goods and services are made speedily and efficiently.
E:
To avoid concentrations of financial power in the hands of a few individuals and institutions.
答案:
To protect the safety of the public’s savings.
;
To control the supply of money and credit in order to achieve a nation’s broad economic goals.
;
To ensure equal opportunity and fairness in the public’s access to credit and other vital financial services.
;
To promote public confidence in the financial system, so that savings flow smoothly into productive investment, and payments for goods and services are made speedily and efficiently.
;
To avoid concentrations of financial power in the hands of a few individuals and institutions.
4、
Offer all of their services from one office, although some services (such as taking deposits, cashing checks, or paying bills) may be offered from limited-service facilities, such as drive-up windows and automated teller machines (ATMs) that are linked to the bank’s computer system，this organization structure is Unit bank.
A:对
B:错
答案: 对
5、
A bank holding company is simply a corporation chartered for the purpose of holding the stock (equity shares) of at least one bank.
A:对
B:错
答案: 对
第二章 单元测试
1、
由于各国金融体制的差异和金融市场发达的程度不同，各国银行的负债结构不尽相同；即使在同一国家的同一家银行，由于经济发展和金融环境的变化，其负债结构也处于不断变化的过程中。但不管是在哪一个国家，存款始终是银行的主要负债，也是银行经常性资金的来源；借入负债的比重则随金融市场的发展而不断有所上升。
A:对
B:错
答案: 对
2、
商业银行的存款作为主要资金来源其规模应该是越多越好。
A:对
B:错
答案: 错
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