MỤC LỤC g
Chapterg1g-gAngOverviewgofgthegChanginggFinancial-ServicesgSector .................................. 2
FillgingthegBlankgQuestions .................................................................................................. 2
True/FalsegQuestions ........................................................................................................... 5
MultiplegChoicegQuestions .................................................................................................. 7
Chapterg2g-gManaginggandgPricinggDepositgServices ............................................................ 22
FillgingthegBlankgQuestions ................................................................................................ 22
True/FalsegQuestions ......................................................................................................... 26
MultiplegChoicegQuestions ................................................................................................ 30
Chapterg3g-gLendinggPoliciesgandgProcedures:gManaginggCreditgRisk.................................. 48
FillgingthegBlankgQuestions ................................................................................................ 48
True/FalsegQuestions ......................................................................................................... 52
MultiplegChoicegQuestions ................................................................................................ 56
Chapterg4g-gConsumergLoans,gCreditgCards,gandgRrealgEstategLending................................ 72
FillgingthegBlankgQuestions ................................................................................................ 72
True/FalsegQuestions ......................................................................................................... 77
MultiplegChoicegQuestions ................................................................................................ 81
Chapterg5g-gLendinggtogBusinessgFirmsgandgPricinggBusinessgLoans ..................................103
FillgingthegBlankgQuestions ...............................................................................................103
True/FalsegQuestions ........................................................................................................108
MultiplegChoicegQuestions ...............................................................................................112
Chapterg6g-gInternationalgBankinggandgthegFuturegofgBankinggandgFinancial-Services .......139
FillgingthegBlankgQuestions ...............................................................................................139
1 TestgBank
,Sưugtầm:g Đ.gG.gMẫn
Chapter 1 g
AngOverviewgofgthegChanginggFinancial-ServicesgSector
FillgingthegBlankgQuestions
1. isgagtraditionalgservicegprovidedgbygbanksgingwhichgthegban
ksgstorethegvaluablesgofgtheirgcustomersgandgcertifygtheirgtruegvalue.
Answer:gSafekeepinggofgvaluables
2. Theg factgthatg financialg institutionsgmakeg loansg basedgong confidentialg information
isgtheg
g theorygofgbanking.
Answer:gdelegatedgmonitoring
3. refersg g togwheng g agfinancialginstitutiongtradesg g onegformg
ofgcurrencygforganother.g Angexamplegofgthisgwouldgbegwhengthegbankgtradesgdollarsgforgyeng
forgagfee.
Answer:gcurrencygexchange
4. A(n)g
isgagtraditionalgservicegwhichgpermitsgagdepositorgtogwritegagdraftingpaymentgforggoodsga
ndgservices.
Answer:gdemandgdepositg(checkinggaccount)
5. isgagservicegprovidedgbygbanksgwheregthegbankglendsgmoney
toindividualsgforgthegpurchasegofgdurablegandgotherggoods.
g
Answer:gConsumerglending
6. Theg
ofg agbankg isg agtraditionalgserviceg whereg thegbankgmanagesg g thefinancialg g affairs
g g andg g propertyg g ofgindividualsg g (andg g ing g somegcasesgbusinesses)g.
Rose/Hudgins,gBankgManagementgandgFinancialgService 2
s
,Answer:gtrustgservices
3 TestgBank
, 7. Companiesg suchgasg MerrillgLynchg andg Searsg whichgofferedg somegbutg notgallgbanki
nggservicesgintheg1980sgweregcalledg .
Answer:gnonbankgbanks
8. Theg g looseningg g ofggovernmentgregulationgandg g controlg g ofgfinancialginstitution
sgisgcalledg .
Answer:gderegulation
9. isgan
alternativegtoglendinggingwhichgthegfinancialginstitutiongpurchasesgthegequipmentgandgrentsgit
togitsgcustomers.
g
Answer:gEquipmentgleasinggservices
10. The
isgaglandmarkgactgwhichgallowsgfinancialgservicegproviderstogoffergangexpandedgmenugo
g
fgfinancialgservicesgforgthegcustomer.g Thisglawgallowsgbanksgtogtrulygbecomegconglomerateg
financialgservicegproviders.
Answer:gFinancialgServicesgModernizationgActg(Gramm-Leach-BlileygAct)
11. Thegcountrygwithgthegmostgbanksgisg .
Answer:gUnitedgStates
12. Accordingg togCongressg ag
isgdefinedgasganyginstitutiongthatgcangqualifygforgdepositinsurancegadministeredgbygthegF
DIC.
Answer:gBank
13. Agbankgwhichgspansgregions,gnations,gandgcontinents,gofferinggthegwidestgmenugofgfinan
cialservicesgisgknowngasgag bank.
Answer:gmoney-centergbank
14. grefersgtogthegmovementgofgbusinessesgacrossgindustryglinesgingordergtog
broadengitsgbase.
Answer:gConvergence
Rose/Hudgins,gBankgManagementgandgFinancialgService 4
s
Chapterg1g-gAngOverviewgofgthegChanginggFinancial-ServicesgSector .................................. 2
FillgingthegBlankgQuestions .................................................................................................. 2
True/FalsegQuestions ........................................................................................................... 5
MultiplegChoicegQuestions .................................................................................................. 7
Chapterg2g-gManaginggandgPricinggDepositgServices ............................................................ 22
FillgingthegBlankgQuestions ................................................................................................ 22
True/FalsegQuestions ......................................................................................................... 26
MultiplegChoicegQuestions ................................................................................................ 30
Chapterg3g-gLendinggPoliciesgandgProcedures:gManaginggCreditgRisk.................................. 48
FillgingthegBlankgQuestions ................................................................................................ 48
True/FalsegQuestions ......................................................................................................... 52
MultiplegChoicegQuestions ................................................................................................ 56
Chapterg4g-gConsumergLoans,gCreditgCards,gandgRrealgEstategLending................................ 72
FillgingthegBlankgQuestions ................................................................................................ 72
True/FalsegQuestions ......................................................................................................... 77
MultiplegChoicegQuestions ................................................................................................ 81
Chapterg5g-gLendinggtogBusinessgFirmsgandgPricinggBusinessgLoans ..................................103
FillgingthegBlankgQuestions ...............................................................................................103
True/FalsegQuestions ........................................................................................................108
MultiplegChoicegQuestions ...............................................................................................112
Chapterg6g-gInternationalgBankinggandgthegFuturegofgBankinggandgFinancial-Services .......139
FillgingthegBlankgQuestions ...............................................................................................139
1 TestgBank
,Sưugtầm:g Đ.gG.gMẫn
Chapter 1 g
AngOverviewgofgthegChanginggFinancial-ServicesgSector
FillgingthegBlankgQuestions
1. isgagtraditionalgservicegprovidedgbygbanksgingwhichgthegban
ksgstorethegvaluablesgofgtheirgcustomersgandgcertifygtheirgtruegvalue.
Answer:gSafekeepinggofgvaluables
2. Theg factgthatg financialg institutionsgmakeg loansg basedgong confidentialg information
isgtheg
g theorygofgbanking.
Answer:gdelegatedgmonitoring
3. refersg g togwheng g agfinancialginstitutiongtradesg g onegformg
ofgcurrencygforganother.g Angexamplegofgthisgwouldgbegwhengthegbankgtradesgdollarsgforgyeng
forgagfee.
Answer:gcurrencygexchange
4. A(n)g
isgagtraditionalgservicegwhichgpermitsgagdepositorgtogwritegagdraftingpaymentgforggoodsga
ndgservices.
Answer:gdemandgdepositg(checkinggaccount)
5. isgagservicegprovidedgbygbanksgwheregthegbankglendsgmoney
toindividualsgforgthegpurchasegofgdurablegandgotherggoods.
g
Answer:gConsumerglending
6. Theg
ofg agbankg isg agtraditionalgserviceg whereg thegbankgmanagesg g thefinancialg g affairs
g g andg g propertyg g ofgindividualsg g (andg g ing g somegcasesgbusinesses)g.
Rose/Hudgins,gBankgManagementgandgFinancialgService 2
s
,Answer:gtrustgservices
3 TestgBank
, 7. Companiesg suchgasg MerrillgLynchg andg Searsg whichgofferedg somegbutg notgallgbanki
nggservicesgintheg1980sgweregcalledg .
Answer:gnonbankgbanks
8. Theg g looseningg g ofggovernmentgregulationgandg g controlg g ofgfinancialginstitution
sgisgcalledg .
Answer:gderegulation
9. isgan
alternativegtoglendinggingwhichgthegfinancialginstitutiongpurchasesgthegequipmentgandgrentsgit
togitsgcustomers.
g
Answer:gEquipmentgleasinggservices
10. The
isgaglandmarkgactgwhichgallowsgfinancialgservicegproviderstogoffergangexpandedgmenugo
g
fgfinancialgservicesgforgthegcustomer.g Thisglawgallowsgbanksgtogtrulygbecomegconglomerateg
financialgservicegproviders.
Answer:gFinancialgServicesgModernizationgActg(Gramm-Leach-BlileygAct)
11. Thegcountrygwithgthegmostgbanksgisg .
Answer:gUnitedgStates
12. Accordingg togCongressg ag
isgdefinedgasganyginstitutiongthatgcangqualifygforgdepositinsurancegadministeredgbygthegF
DIC.
Answer:gBank
13. Agbankgwhichgspansgregions,gnations,gandgcontinents,gofferinggthegwidestgmenugofgfinan
cialservicesgisgknowngasgag bank.
Answer:gmoney-centergbank
14. grefersgtogthegmovementgofgbusinessesgacrossgindustryglinesgingordergtog
broadengitsgbase.
Answer:gConvergence
Rose/Hudgins,gBankgManagementgandgFinancialgService 4
s
