文档文库
手机版
投诉建议
热门搜索： 心得体会 演讲稿 思想汇报
首页 > 金融英语课后答案汇总

金融英语课后答案汇总

发布时间：   来源：文档文库   
小 中 大
字号：
手机查看
PartOne
1.Whatarethemainrolesofbanks
答：Althoughbankssharemanycommonfeatureswithotherprofit-seeking
business,theyplayauniqueroleintheeconomythroughmobilizingsavings,allocatingcapitalfundstofianceproductiveinvestment,transmittingmonetarypolicy,providingapaymentsystemandtransformingrisks.

3.AccordingtotherevisededitionoftheLawofthePeople'sRepublicofChinaonthePeople'sBankofChina,whatfunctionsdoesthePBCperform
答：ThePBC'skeyfunctionsaretoconductmonetarypolicy,preventanddissolvefinancialrisks,andmaintainfinancialstabilityundertheleadershipoftheStateCouncil.
4.Canyougivesomeexamplesofindirectinstrumentsforimplementingmonetarypolicy
答：Indirectinstrumentsasrequiredreserveratio,interestrateadjustmentand
openmarketoperations.

9.Whatisyourdefinitionofshareandbond
答：Sharesarecertificatesorbookentriesrepresentingownershipinacorporation
orsimilararewrittenevidencesofdebts.

13.Whatisyourdefinitionof“securities”
答：Securitiesarepapercertificates(definitivesecuritiesorelectronicrecords
(book-entrysecuritiesevidencingownershipofequity(stockordebtobligations(bonds.

PartTwo
2.Whataretheobjectivesofbankingsupervision

First,thekeyobjectiveofsupervisionistomaintainstabilityandpublicconfidenceinfinancialsystem.
Thesecondgoalofbanksupervisionstoensurethatbankoperateinasafeandsoundmannerandthattheyholdcapitalandreservesufficienttocovertherisksthatmayariseintheirbusiness.
Third,arelatedgoalistoprotectdepositors’fundsand,ifanybankshouldfail,tominimizethelossestobeabsorbedbythedepositinsurancefund.
Thefourthgoalofbanksupervisionistofosteranefficientandcompetitionbankingsystemthatisresponsivetothepublicneedforhighqualityfinancialservicesatreasonablecost.
Thefifthandfinalgoalofbanksupervisionistoensurecompliancewithbankinglawsandregulations.
3.Whatrisksmightthecommercialbankshavetoface
(1creditrisk(2marketrisk(3liquidityrisk(4operationalrisk(5legalrisk
(6reputationrisk
4.Whataretheimplicationofcreditrisk,marketrisk,liquidityriskandoperationalrisk
Creditrisk:Amajortypeofriskthatbanksfaceiscreditriskorthefailureofacounterparttoperformaccordingtoacontractualarrangement.
Marketrisk:Twospecificelementsofmarketriskareforeignexchangeriskandinterestrisk.Banksfaceariskoflossesinon-andoff-balancesheetpositionsarisingfrommovementinexchangerates.Interestrateriskpreferstotheexposureofabank’sfinancialconditiontoadversemovementsininterestrates.
Liquidityrisk:Liquidityriskarisesfromtheinabilityofabanktoaccommodatedecreasesinliabilitiesortofundincreasesinassets.
Operationalrisk:Themostimportanttypesofoperationalriskinvolvebreakdownsininternalcontrolsandcorporategovernance..
whatlevelsdoestheBaselAccordsettheminimumcapitalratiorequirementsforinternationallyactivebanks
TheAccordsetsminimumcapitalratiorequirementsforinternationallyactivebanksof4%tieronecapitaand8%totalcapital(tieroneplustiertwoinrelationtorisk-weightedassets.

PartThree
1.Whatdoesforeignexchangeinclude

答：Foreignexchangeincludesthefollowingmeansofpaymentsandassetsdenominatedinaforeigncurrencythatcanbeusedforinternationalsettlement:●Foreigncurrencies,includingbanknotesandcoins;
●Paymentvouchersdenominatedinforeigncurrency,includingnegotiableinstruments,bankcertificatesofdepositandcertificatesofpostalsavings;
●Securitiesdenominatedinforeigncurrency,includinggovernmentbonds,corporatebondsandstocks;
●Super-nationalcurrenciessuchasSpecialDrawingRightsandtheEuro;and●Otherassetsdenominatedinforeigncurrency.

3.Whataretherequirementsfordomesticinstitutionsforopeningforeignexchangeaccountsabroad
答：Domesticentitieswhichmeetoneofthefollowingrequirementsmayapplyforopeningaforeignexchangeaccountabroad:
●Expectingsmallamountincomeduringacertainperiodoftimeabroad;●Expectingsmallamountexpenditureduringacertainperiodoftimeabroad;
●Undertakingoverseasconstructionprojects;andissuingsecuritiesdenominatedinforeigncurrencyabroad.
6.Givethedefinitionofforeignexchange
答：Foreignexchange,orforex,isforeignmoney.Allforeigncurrency,consistingoffoundsheldwithbanksabroad,orbillsorcheques,againinforeigncurrencyandpayableabroad,aretermedforeignexchange.
9.Givethedefinitionofspotandforwardtransaction
答：Spottransactionsinvolvetoday’spricesofcurrencyanddeliveryofthecurrencywithintwobusinessdays,exceptforCanadiandollar(CAD,whichmustbedeliveredinoneday.
10.Tellthedifferencebetweenforwardandfuturestransactions
答：(1Forwardtransactionsinvolvetoday’spricesofcurrencyanddeliveryonastipulatedfuturedate.
(2Futurestransactionsarealwaystradedonexchanges.Inordertobemarketableonexchanges,futurescontractsarestandardizedintermsofquantity,settlement

datesandquotation.
PartFour
14.Howcouldabankearninterestincome
答：Theprincipalsourceofincomeforthemajorityofbanksisstilltheinterestreceivedonthefundsthattheinstitutionhasatitsdisposalandisabletolendoutinsomeabanklendsoutmoneyitwillgenerallychargeinteresttothecustomer.
21.Whyshouldabankkeepsufficientliquidassets
答：Itisimportantforabanktoholdsufficientliquidassetstomeetthedemandsofdepositorswhomayseektowithdrawtheirfunds.However,maintenanceoftoohighalevelofliquidassetscouldbeexpensive.Cashbalancesinparticularyieldnoincome,yetwillcostthesameasanyotherassettofund.
25.Whatarethethreemajoractivitiesincludedinabank'sStatementofCashFlows
答：Thestatementofcashflowsreportscashflowsrelatingtooperating,investingandfinancingactivitiesofabank.
Partfive
4.Whatarenegotiableinstrumentslistsomeexamples.
答：Fromafunctionalperspective,negotiableinstrumentsaredocumentsusedincommercetosecurethepaymentofmoney.Payinglargesumsofmoneyincashisbothinconvenientand,unfortunately,risky.Inallcases,negotiableinstrumentsrepresentarighttopayment.Arightis,bydefinition,apromiseandnotatangiblepieceofproperty.So,negotiableinstrumentsareclassifiedaschosesinaction.Thethreemaintypesofthemarethefollowing:BillsofExchange,Cheques,PromissoryNotes.
7.What’sthedifferencebetweencapitalleaseandoperatinglease
答：1:Whethertheownershipofpropertyistobetransferredbytheendofleaseterm.

2:Whethertheleasehasanoperationtopurchasetheleasedpropertyatabargainprice.
3:Theleasetermislongtoorshortinaccordingtotheestimatedeconomiclifeoftheleasedproperty.
4:Whethertheleaseisacancelablelease.5:Whethertheleaseisfull-payoutlease.
9.What’sthemeaningofAccountReceivableFinancing
答：AccountsReceivablerepresentsapromisefromcustomerstopayforagoodssoldorservicesrendered.AccountReceivableFinancingisaformofcollateralizedlendinginwhichaccountsreceivablesarethecollateral.
12.Whatarebasiccharacteristicsofmoneymarksecurities
答：Money-marksecurities,whicharediscussedindetailslaterinthischapter,havethreebasiccharacteristicsincommon:
Theyareusuallysoldinlargedenominations.Theyhavelowdefaultrisk.
Theymatureinoneyearorlessfromtheiroriginalissuedate.Mostmoneymarkerinstrumentsmatureinlessthan120days.
Whyteasurybillsareattractivetoinvestors
答：Teasurybillsareattractivetoinvestorsbecausetheyarebackedbythegovernmentandthereforearevirtuallyfreeofdefaultrisk.Evenifthegovernmentranoutofmoney,itcouldsimplyprintmoretopaythemoffwhentheyriskofunexpectedchangesininflationisalsolowbecauseoftheirshort-termmaturity.
15.Whatarethefeaturesofinter-bankmarkets
答：Inter-bankmarketsaremoneymarketsinwhichshort-termfundstransferred(lentorborrowedbetweenfinancialinstitutions,usuallyforoneday,thatis,theyareusuallyovernightinvestment.Theinterestrateforborrowingthesefundsiscloseto,butalwaysslightlyhigherthan,theratethatisavailablefromthecentralbank.
17．HowhaveNCDsbecomethesecondmostpopularmoneymarketinstruments

答：NegotiableCDsareinlargedenominations.AlthoughNCDsdenominationsaretoolargeforindividualinvestors,theyaresometimespurchasedbymoneymarketfundsthathavepooledindividualinvestor’sfunds.Thus,theexistenceofmoneymarketfundsallowsindividualstobeindirectinvestorsinNCDs,markingamoreactiveNCDmarket.
productsdoestheon-linebankingprovide
答：basicproductsandservices,intermediateproductsandservices,advancedproductsandservices.
PartSix
1,Whatcategoriescantheloanbedividedaccordingtotheirrisk
答：Thefive-categorysystemclassifiesbankloansaccordingtotheirinherentrisksaspass(normal,special-mention,substandard,doubtfulandloss.
Whatarethecommonlyusedmethodsofcreditanalysis
答：Tranditionally,keyriskfactorshavebeenclassifiedaccordingtothefiveCSofcredit:character,capital,capacity,conditions,andcollateral.GoldenandWalkeridentifythefiveCSofbadcredit,representingthingstoguardagainsttohelppreventincludecomplacency,carelessness,communicationbreakdown,contingencies,andcompetition.
Ausefulframeworkforsortingoutthefactsandopinionsincreditanalysisisthe5Psapproach:people,purpose,payment,protection,andperspective.
Howcanabanktakesecurityforanadvance
答：Abankhasdifferentkindsofsecurityascoverforadvancetohisareseveralwaysinwhichabankmaytakesecurityforanadvancebylien,pledge,mortgageandhypothecation.

本文来源：https://www.2haoxitong.net/k/doc/c74e3111b107e87101f69e3143323968011cf495.html

《金融英语课后答案汇总.doc》
将本文的Word文档下载到电脑，方便收藏和打印
推荐度：
点击下载文档

文档为doc格式
相
关
案
例

相关推荐

推荐内容

我与互联网的故事.doc 南昌市环境保护局关于在我市开展建设项目环境监理试点工作的通知 《材料作文审题立意》(2) 汽修厂电工职责规范 医疗器械采购合同书样本 ToolBar控件 2019年专技人员公需科目考试80分 中国古代寓言故事读后感 几种常见枫树的区别 一种基于云平台的青少年运动健康管理系统
网站内容来自网络，如有侵权请联系我们，立即删除！ Copyright © 范文写作网京ICP备16605803号