智慧树知到《商业银行经营管理学》章节测试答案

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.正确

B.错误

正确答案：正确

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.正确

B.错误

正确答案：正确

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 avoid concentrations of financial power in the hands of a few individuals and institutions.

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 ensure equal opportunity and fairness in the public'；s access to credit and other vital financial services.

正确答案：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 avoid concentrations of financial power in the hands of a few individuals and institutions.；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 ensure equal opportunity and fairness in the public'；s access to credit and other vital financial services.

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.正确

B.错误

正确答案：正确

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.正确

B.错误

正确答案：正确

6、美国金融业属于混业经营，混业监管。

A.正确

B.错误

正确答案：错误

7、In the USA，OCC issues charters for new national banks.。

A.正确

B.错误

正确答案：正确