北语网院平台18春《商业银行业务与经营》作业_1含答案参考

奥鹏作业答案

【北语网院】18春《商业银行业务与经营》作业_1（100分)
【北京语言大学】18春《商业银行业务与经营》作业_1
北语网院作业答案

试卷总分100得分100
第1题&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt以下属于商业银行金融衍生工具表外业务的是&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt（）&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
A、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt互换&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
B、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt担保&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
C、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt循环承诺&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
D、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt票据发行便利&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
第2题即期外汇买卖业务的即期外汇牌价，买卖价通常保留小数点后（）位数字。
A、2
B、3
C、4
D、5
第3题&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt（）&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt是国际银行间及国际长期资金市场上资金借贷的一种基准利率。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
A、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt上海同业拆借利率&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
B、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt伦敦同业拆借利率&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
C、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt东京同业拆借利率&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
D、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt新加坡同业拆借利率&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
第4题国际间的各种经济交易，必然会引起国际间的债权债务关系，用货币收付来清偿位于不同国家当事人之间的债权债务关系以及实现资金转移的行为被称为（）。
A、国际结算
B、国际金融
C、国际信托
D、国际信贷
第5题在同一笔外汇交易中同时进行即期和远期外汇买卖的行为是（）。
A、外汇期货业务
B、外汇掉期业务
C、外汇套期保值
D、外汇远期业务
第6题&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt以下不属于商业银行中间业务的是&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt（）。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
A、&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt信托业务&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
B、&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt汇兑业务&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
C、&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt租赁业务&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
D、&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt证券投资业务&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
第7题&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt我国要求商业银行&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt的核心&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt资本充足率不&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt得&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt低于&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt（）。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
A、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt4%&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
B、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt8%&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
C、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt10%&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
D、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt12%&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
第8题&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt我国&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt人民币汇率采用的标价方法为&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt（）。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
A、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt直接标价法&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
B、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt间接标价法&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
C、&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt中间标价法&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
D、&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt平均标价法&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
第9题&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt以一定单位的本国货币为标准折合成多少单位外国货币的汇率标价方法，称为（&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt）。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
A、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt直接标价法&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
B、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt间接标价法&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
C、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt美元标价法&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
D、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt国际标价法&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
第10题&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt以下属于商业银行贷款承诺的是&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt（）&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
A、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt承兑担保&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
B、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt备用信用证&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
C、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt远期利率协议&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
D、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt票据发行便利&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
第11题&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt以下属于商业银行负债定价策略的有（&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt）。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
A、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt成本加成法&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
B、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt渗透定价法&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
C、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt目标收益定价法&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
D、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt脱脂定价策略&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
、B、C、D
第12题&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt以下属于商业银行资本的外部筹集方式的有&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt（）。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
A、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt发行优先股&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
B、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt未分配利润&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
C、&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt出&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt售资产与租赁设备&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
D、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt发行中长期债券&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
、C、D
第13题&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt银行经营效率分析借助的主要指标是（&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt）。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
A、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt资产收益率&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
B、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt资产使用率&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
C、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt资本收益率&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
D、&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt财务杠杆比率&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
、D
第14题银行通过外部融资解决资本问题的主要方法有（）。
A、发行普通股
B、发行优先股
C、发行中长期债券
D、出售资产
、B、C、D    奥鹏易百

第15题&ltspanstyle=&quotfontfamily宋体fontsize13px&quot&gt以下属于活期存款创新形式的有&lt/span&gt&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt（）。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
A、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt协定帐户&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
B、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt货币市场存款帐户&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
C、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt可转让大额定期存单&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
D、&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize13px&quot&gt可转让的支付命令帐户&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
、B、D
第16题&ltpstyle=&quotlineheight27px&quot&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt假设&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gtM&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt银行的利率敏感性资产为&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt50000&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt万元，利率敏感性负债为&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt60000&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt万元，资产总额为&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt100000&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt万元，则利率风险比率为&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39&quot&gt60%&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39&quot&gt。&lt/span&gt&lt/p&gt&ltp&gt&ltbr/&gt&lt/p&gt
√、对
、错
正确答案
第17题随着现代科学技术的发展和诸多电子清算系统的建立和运行，非现金结算的范围会进一步扩大。
√、对
、错
正确答案√
第18题&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt银行花费在吸收负债上的一切开支称之为可用&lt/span&gt&ltspanstyle=&quotfontfamily宋体&quot&gt资金成本&lt/span&gt&ltspanstyle=&quotfontfamily宋体&quot&gt。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
√、对
、错
正确答案
第19题中国银行业监督管理委员会是我国金融业的主管机关。
√、对
、错
正确答案
第20题&ltpstyle=&quotlineheight27px&quot&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt在银行支出中，用于广告费用、办公用品及邮费等开支，属于&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39&quot&gt其他营业费用&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39&quot&gt。&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39&quot&gt&lt/span&gt&lt/p&gt&ltp&gt&ltbr/&gt&lt/p&gt
√、对
、错
正确答案√
第21题国库券在发行市场上通常采用的拍卖形式是竞价拍卖。
√、对
、错
正确答案
第22题&ltpstyle=&quotlineheight27px&quot&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39fontsize14px&quot&gt人们公认的早期银行的萌芽，起源于&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39&quot&gt文艺复兴时期的意大利&lt/span&gt&ltspanstyle=&quotfontfamily&amp#39TimesNewRoman&amp#39&quot&gt。&lt/span&gt&lt/p&gt&ltp&gt&ltbr/&gt&lt/p&gt
√、对
、错
正确答案√
第23题1986年，英国当局首先提出银行资本额应反映银行资产的风险程度。
√、对
、错
正确答案
第24题&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt银行将全部投资资金平均投入在各种期限的证券上，使其持有的各种期限的证券数量相等的投资方法是&lt/span&gt&ltspanstyle=&quotfontfamily宋体&quot&gt杠铃投资策略。&lt/span&gt&ltp&gt&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt&lt/span&gt&ltbr/&gt&lt/p&gt&ltp&gt&ltbr/&gt&lt/p&gt
√、对
、错
正确答案
第25题&ltspanstyle=&quotfontfamily宋体fontsize14px&quot&gt如果银行利率敏感性缺口为负值，当市场利率下降时，其净利息收入会&lt/span&gt&ltspanstyle=&quotfontfamily宋体&quot&gt不变&lt/span&gt&ltspanstyle=&quotfontfamily宋体&quot&gt。&lt/span&gt&ltp&gt&ltbr/&gt&lt/p&gt
√、对
、错
正确答案

奥鹏易百