智慧树知到《商业与投资银行（Commercial and Investment Banking）》章节测试答案

第一章单元测试

1、Which of the following best defines a customer of a bank？

A.Someone who has a relationship with a bank

B.Any organisation that has a bank account

C.Any individual or organisation which has used a bank account

D.Any individual or organisation which regularly uses a bank account

正确答案：Any individual or organisation which has used a bank account

2、There is no legal definition of a bank.Which of the following best describes a bank？

A.Any organisation which acts as a financial intermediary

B.Any organisation which takes deposits

C.Any organisation which lends money

D.Any organisation which has bank in its title

正确答案：Any organisation which acts as a financial intermediary

3、Bank of America develops licensing agreements with other banks enabling them to issue BankAmericards， becoming the first"；scheme"；in 1965.True or false？

A.正确

B.错误

正确答案：正确

4、At any time in economy， there are people who have more cash than what they actually need and are able to lend.They are called：

A.Deficit agents

B.Surplus agents

C.Bank agents

D.Brokers

正确答案：Surplus agents

5、The participants in a financial system can be individuals， companies， financial institutions and governments.True or false？

A.正确

B.错误

正确答案：正确

6、Which of the below transformation is not done by banks？

A.Size

B.Maturity

C.Risk

D.Security

正确答案：Security

第二章单元测试

1、There are two income streams of a bank.They are interest and fees.True or false？

A.正确

B.错误

正确答案：正确

2、Capital of a bank is stated on its income statement.True or false？

A.正确

B.错误

正确答案：错误

3、Mortgage or car loans are considered as insecure lending.True or false？

A.正确

B.错误

正确答案：错误

4、Savings Banks are either mutually owned or stockholder owned entities.True or false？

A.正确

B.错误

正确答案：正确

5、Which of the below is usually based on membership of people or customers with some similar interest， such as nurses， or teachers or even unions.

A.Building Societies

B.Pension Funds

C.Credit Unions

D.Savings Banks

正确答案：Credit Unions

第三章单元测试

1、Which of the below is the current financial regulatory system in the UK？