大学MOOC 金融学(河北地质大学)1452067225 最新慕课完整章节测试答案

test 1-1

1、单选题：
‏Which of the following financial intermediaries is not a depository institution?‍
选项：
A:  A savings and loan association
B:  A commercial bank
C: A finance company
D: A savings bank
答案: 【 A finance company】

2、单选题：
‍    Financial intermediaries​‍​
选项：
A:  exist because there are substantial information and transactions costs in the economy.
B: improve the lot of the small saver
C: are involved in the process of indirect finance
D: do each of the above
答案: 【 do each of the above】

3、单选题：
‌    Which of the following is the primary source of external funds used by businesses to finance their activities?‏‌‏
选项：
A:  Stock
B:   Bonds and commercial paper
C:   Bank loans
D:  Other loans
答案: 【   Bank loans】

test 10

1、单选题：
‎Which of the following are reported as liabilities on a bank’s balance sheet?​
选项：
A: Reserves
B: Checkable deposits
C: Loans
D: Deposits with other banks
答案: 【 Checkable deposits】

2、单选题：
‏Bank capital is listed on the _____ side of the bank’s balance sheet because it represents a _____ of funds‍
选项：
A: liability; use
B: liability; source
C: asset; use
D: asset; source
答案: 【 liability; source】

3、单选题：
​Which of the following are reported as assets on a bank’s balance sheet?‎
选项：
A: Discount loans from the Fed
B: Loans
C: Borrowings
D: Only (a) and (b) of the above
答案: 【 Loans】

4、单选题：
‏When you deposit $50 in currency at Old National Bank,‎
选项：
A: its assets increase by $50
B: its reserves increase by less than $50 because of reserve requirements
C: its liabilities decrease by $50
D: only (a) and (b) of the above occur
答案: 【 its assets increase by $50】

5、单选题：
​  If a bank has $100,000 of deposits, a required reserve ratio of 20 percent, and it holds $30,000 in reserves, then it has enough reserves to support a deposit outflow of‌​‌
选项：
A: $20,000
B: $11,000
C: $5,000
D: either (a) or (b) of the above
E: either (b) or (c) of the above
答案: 【 either (b) or (c) of the above】

6、单选题：
‎Banks that engage in off-balance-sheet activities may‎
选项：
A: increase profits
B: reduce risk
C: increase risk
D: all of the above
E: both (a) and (b) of the above
答案: 【 all of the above】

test

1、单选题：
​If a bank has more rate-sensitive assets than liabilities, then a(n) _____ in interest rates will _____ bank profits‌
选项：
A: increase; increase
B: increase; reduce
C: decline; increase
D: decline; not affect
答案: 【 increase; increase】

2、单选题：
‏Assuming that the average duration of its assets is four years, while the average duration of its liabilities is three years, then a 5 percentage point increase in interest rates will cause the net worth of First National to _____ by _____ of the total original asset value‌
选项：
A: decline; 5 percent
B: decline; 10 percent
C: decline; 5 percent
D: increase; 20 percent
答案: 【 decline; 5 percent】

exercise 11

1、单选题：
‍State banks that are not members of the Federal Reserve System are most likely to be examined by the‎‍‎
选项：
A: Federal Reserve System
B: FHLBS
C: FDIC
D: Comptroller of the Currency
答案: 【 FDIC】

test 11

1、判断题：
‍FDIC was created to prevent bank failures​
选项：
A: 正确
B: 错误
答案: 【 正确】

2、判断题：
‎People's Bank of China is the only regulator of Chinese financial system.​
选项：
A: 正确
B: 错误
答案: 【 错误】

3、判断题：
‏One problem of the too-big-to-fail policy is that it reduces the incentives for moral hazard by big banks‏
选项：
A: 正确
B: 错误
答案: 【 错误】

4、判断题：
‍  Financial consolidation poses challenges to banking regulation.‎‍‎
选项：
A: 正确
B: 错误
答案: 【 正确】

test 12

1、单选题：
‍   Of the players in the money supply process, most observers agree that the most important player is‌‍‌
选项：
A: banks
B: borrowers
C: depositors
D: central bank
答案: 【 central bank】

2、单选题：
‍Both _____ and _____ are monetary liabilities of the central bank‍
选项：
A: government securities; discount loans
B: currency in circulation; bank reserves
C: discount loans; bank securities
D: discount loans; currency in circulation
答案: 【 currency in circulation; bank reserves】

3、单选题：
​When the central bank sells $100 worth of bonds to the First National Bank, reserves in the banking system‎
选项：
A: increase by $100
B: increase by more than $100
C: decrease by $100
D: decrease by more than $100
答案: 【 decrease by $100】

4、单选题：
‌  If the central bank purchases securities from a bank, then‏‌‏
选项：
A: reserves in the banking system increase
B: Central bank liabilities increase
C: Central bank assets increase
D: all of the above
答案: 【 all of the above】

5、单选题：
‍  When the Fed extends a $100 discount loan to the First National Bank, reserves in the banking system‍‍‍
选项：
A: increase by $100
B: increase by more than $100
C: decrease by $100
D: decrease by more than $100
答案: 【 increase by $100】

6、单选题：
‎If the central bank extends a $100 discount loan to a bank that previously had no excess reserves, deposits in the banking system can potentially increase by​
选项：
A: $10
B: $100
C: $100 times the reciprocal of the required reserve ratio
D: $100 times the required reserve ratio
答案: 【 $100 times the reciprocal of the required reserve ratio】

test

1、单选题：
‌A bank has no excess reserves and demand deposit liabilities of $100,000 when the required reserve ratio is 20 percent. If the reserve ratio is raised to 25 percent, the bank’s excess reserves will now be‏
选项：
A: $1000
B: -$1000
C: $5000
D: -$5000
答案: 【 -$5000】

2、单选题：
‍ If reserves in the banking system increase by $100, then checkable deposits will increase by $100 in the simple model of deposit creation when the required reserve ratio is‏
选项：
A: 1.00
B: 0.01
C: 0.10
D: 0.20
答案: 【 1.00】

3、单选题：
‌If the required reserve ratio is 10 percent and the Fed increases reserves by $100, checkable deposits can potentially expand by‌
选项：
A: $100
B: $250
C: $500
D: $1000
答案: 【 $1000】

test 13

1、单选题：
‏The monetarists’ proposition that inflation is always and everywhere a monetary phenomenon holds only if​‏​
选项：
A: government budget deficits do not rise continually
B: the unemployment rate does not rise continually
C: the price level rises continually
D: the government does not experience more than one negative supply shock per decade
答案: 【 the price level rises continually】

2、单选题：
‍Evidence strongly supports the view that countries with high inflation also have‍
选项：
A: the lowest nominal interest rates
B: the highest rates of money growth
C: the smallest budget deficits
D: the lowest interest rates
答案: 【 the highest