2015年電大《企業(yè)金融行為》作業(yè)一及參考答案

1、;.電大企業(yè)金融行為電大作業(yè)1及答案第一章 緒論一、 多項選擇題1.企業(yè)為開展正常的生產(chǎn)經(jīng)營活動，需要（ AB ）。A.有形資產(chǎn) B.無形資產(chǎn) C.生產(chǎn)協(xié)作關(guān)系 D.存貨2.由于商業(yè)銀行自身經(jīng)營范圍的特殊性，在金融行為決策時，必須首先考慮（ AB ），然后考慮盈利性目標(biāo)。A.安全性 B.流動性 C.風(fēng)險性 D.期限結(jié)構(gòu)3.股票價格最高化的優(yōu)點是（ ABC ）。A.權(quán)衡了股東期望收益的時間和風(fēng)險 B.是評價企業(yè)金融決策可行性的標(biāo)準(zhǔn)C.反映了市場對企業(yè)的客觀評價 D.綜合反映了企業(yè)金融行為管理的目標(biāo)4.企業(yè)內(nèi)部約束和激勵機(jī)制有（ ABC ）。A.管理和控制分離 B.企業(yè)內(nèi)部治理結(jié)構(gòu) C.補償計劃

2、D.企業(yè)并購二、 判斷題1.公司是法人，是與所有者相分離而獨立存在的法律實體。 （ ）2.籌資決策關(guān)系到確定企業(yè)資本結(jié)構(gòu)，即用滿足企業(yè)經(jīng)營的長期投資的短期流動資金的比例。 （ × ）3.金融企業(yè)和金融行為 是最具代表性的典型金融行為。 （ × ）4.企業(yè)組織就其管理決策職責(zé)可分制造、市場、人事和公關(guān)部門。 （ × ）5.企業(yè)金融決策是指有關(guān)資金籌集和使用的決策。 （ ）6.企業(yè)經(jīng)營行為管理目標(biāo)是利潤最大化。 （ × ）7.并購?fù)厥鞘袌鰧ζ髽I(yè)激勵約束作用的一種表現(xiàn)。 （ ）8.企業(yè)金融行為決策中最重要的是增額現(xiàn)金流量。 （ × ）第二章一、多項

3、選擇題1.解釋利率期限結(jié)構(gòu)的理論主要有（ ABC ）。A.市場預(yù)期理論 B.流動性偏好理論 C.市場分割理論 D.市場選擇和流動偏好理論2.投資性金融機(jī)構(gòu)主要包括（ABCD ）。A.投資銀行 B.財務(wù)公司 C.投資基金 D.貨幣市場共同基金3.金融期貨市場主要包括的三種類型金融工具期貨是（ ABC ）。A.利率期貨 B.外匯期貨 C.股指期貨 D.商品期貨4.資本市場最常見的是（ABC ）。A.股票市場 B.長期債務(wù)市場 C.抵押貸款市場 D.長期貸款市場5.目前金融市場的主要組織形式是（AB ）.A.拍賣方式 B.柜臺方式 C.電子交易系統(tǒng) D.無形交易組織6.金融工具特點是（AB ）.A,

4、合約條文標(biāo)準(zhǔn)化 B.證明文件市場化C.合約內(nèi)容規(guī)范化 D.證明文件要約化7.從方式上分，金融通常分為（CD ）.A.直接融資 B.間接融資 C.股票融資 D.翟雋融資二、判斷題1.流動性偏好理論是對預(yù)期理論的一種修正。 （ ）2.違約風(fēng)險越高，投資者要求的風(fēng)險補償越大。 （ ）3.投資銀行屬于合約性金融機(jī)構(gòu) （ × ）4.期權(quán)是給予期權(quán)持有者從事交易的義務(wù)，而不是權(quán)利。 （ × ）5.金融交易市場交易對象是金融工具。 （ ）6.證明文件市場化是金融工具的主要屬性。 （ × ）第二章 貨幣時間價值一、 判斷題1.貨幣時間價值的表現(xiàn)形式通常是用貨幣的時間價值率。 （

5、）2.實際上貨幣的時間價值率與利率是相同的。 （ × ）3.單利現(xiàn)值的計算就是確定未來終值的現(xiàn)在價值。 （ × ）4.普通年金終值是指每期期末有等額的收付款項的年金。 （ × ）5.永續(xù)年金沒有終值。 （ ）6.貨幣的時間價值是由時間創(chuàng)造的，因此，所有的貨幣都有時間價值。（ × ）7.復(fù)利的終值與現(xiàn)值成正比，與計息期數(shù)和利率成反比。 （ × ）8.若i0，n1，則PVIF一定小于1. （ ）9. 若i0，n1，則復(fù)利的終值系數(shù)一定小于1. （ × ）二、單項選擇題1.A公司于2002年3月10日銷售鋼材一批，收到商業(yè)承兌匯票一張，票面

6、金額為60000元，票面利率為4%，期限為90天，（2002年6月10日到期），則該票據(jù)到期日為（ A ）。A.60600（元） B.62400（元） C.60799（元） D.61200（元）2.復(fù)利終值的計算公式是（A ）。A. B. C. D. 3.普通年金現(xiàn)值的計算公式是（ C ）.A. B. C. D. 4. 是（A ）。A.普通年金的終值系數(shù) B.普通年金的現(xiàn)值系數(shù)C.先付年金的終值系數(shù) D.先付年金的現(xiàn)值系數(shù)5.復(fù)利的計息次數(shù)增加，其現(xiàn)值（ C ）.A.不變 B.增大 C.減小 D.呈正向變化6.A方案在三年中每年的年初付款100元，B方案在三年中每年年末付款100元，若利率為1

7、0%，則二者在第三年年末時的終值相差（ A ）。A.33.1 B.31.3 C.133.1 D.13.317.下列項目中的（ B ）被稱為普通年金。A.先付年金 B.后付年金 C.延期年金 D.永續(xù)年金三、多項選擇題1.按照收付的次數(shù)和支付的時間劃分，年金可以分為（ ABCD ）A.先付年金 B.后付年金 C.延期年金 D.永續(xù)年金2.按照企業(yè)經(jīng)營業(yè)務(wù)發(fā)生的性質(zhì)將企業(yè)一定時期內(nèi)產(chǎn)生的現(xiàn)金流量歸為（ABD）.A.企業(yè)經(jīng)營活動產(chǎn)生的現(xiàn)金流量 B. 股利分配過程中產(chǎn)生的現(xiàn)金流量 C. 投資活動中產(chǎn)生的現(xiàn)金流量 D. 籌資活動中產(chǎn)生的現(xiàn)金流量3.對于資金的時間價值來說，下列（ABCD ）中的表述是正確

8、的。A.資金的時間價值不可能由時間創(chuàng)造，只能由勞動創(chuàng)造B.只有把貨幣作為資金投入生產(chǎn)經(jīng)營才能產(chǎn)生時間價值，即時間價值是在生產(chǎn)經(jīng)營中產(chǎn)生的C.時間價值的相對數(shù)時扣除風(fēng)險報酬和通貨膨脹貼水后的平均資金利潤率或平均報酬率D.時間價值的絕對值是資金在生產(chǎn)經(jīng)營過程中帶來的真實增值額4.下列收付形式中，屬于年金收付的是（ABCD ）。A.分期償還貸款 B.發(fā)放養(yǎng)老金 C.支付租金 D.提取折舊5.下列說法中正確的是（AB ）.A.一年中計息次數(shù)越多，其終值就越大 B. 一年中計息次數(shù)越多，其現(xiàn)值就越小C. 一年中計息次數(shù)越多，其終值就越小 D. 一年中計息次數(shù)越多，其現(xiàn)值就越大四、計算分析題1.某人準(zhǔn)備存

9、入銀行一筆錢，以便在以后的10中每年年末得到3000元，設(shè)銀行存款利率4%，計算該人目前存入多少錢？解：P=A×(P/A,i，n) =3000×（(P/A,4%，10) =3000×8.1109 =24，332.7（元） 答：目前應(yīng)存入24，332.7（元）。2.某企業(yè)計劃購買大型設(shè)備，該設(shè)備如果一次性付款，則需在購買時付款80萬元；若從購買時分3年付款，則每年需付30萬元，在銀行利率8% 的情況下，哪種付款方式對企業(yè)更有利？解：若一次支付，P=80（萬元）若分期付款，P=30×（(P/A,8%，3) =30×2.5771 =77,313(元)

10、 答：分期付款更有利。3.某公司于年初向銀行借款20萬元，計劃年末開始還款，每年還款一次，分3年償還，銀行借款利率6%，計算每年還款額為多少？解：A=P/(P/A，i，n) =20/(P/A，6%，3) = 20/2.6730 = 7.48（萬元）答：每年還款額為7.48（萬元）。4.某企業(yè)向銀行借款建造廠房，建設(shè)期3年，銀行貸款利率8%，從第四年投產(chǎn)起每年年末償還本息90萬元，償還4年。計算該企業(yè)借款額是多少？解：答：該企業(yè)借款額是236.62（萬元）。5. 在你出生時，你的父母在你的每一個生日為你存款2 000元，作為你的大學(xué)教育費用。該項存款年利率為6%。在你考上大學(xué)（正好是你20歲生日

11、）時，你去銀行打算取出全部存款，結(jié)果發(fā)現(xiàn)在你4歲、12歲時生日時沒有存款。問你一共可以取出多少存款？假如該項存款沒有間斷，你可以取出多少存款？解： 一共可以取出的存款為：2000×（F/A，6%，20）（1+6%）17 +（16%）82000×36.7862.69281.593864998.8（元）假設(shè)沒有間斷可以取款數(shù)為：2000×（F/A，6%，20）2000×36.786 73572 （元） 請您刪除一下內(nèi)容，O(_)O謝謝！2015年中央電大期末復(fù)習(xí)考試小抄大全，電大期末考試必備小抄，電大考試必過小抄Shanghais Suzhou Creek

12、has witnessed much of the citys history. Zhou Wenting travels this storied body of water and finds its most fascinating spots. Some lucky cities can boast a great body of water, like London with the river Thames and Paris with the river Seine. Shanghai is privileged enough to have two great bodies o

13、f water: Huangpu River and Suzhou Creek.Huangpu River became famous when colonists established clusters of grand buildings on its banks on what became known as the bund. Today, the bund overlooks the breathtaking skyline of Lujiazui financial district. Shanghais other body of water, however, Suzhou

14、Creek, has been somewhat overshadowed. Suzhou Creek links the inland cities of Jiangsu province with Shanghai. When the British colonists, who arrived in the city after it was opened as a commercial port in 1843 found they could reach Suzhou, Jiangsu province, via the creek, they named it Suzhou Cre

15、ek. Thanks to its location, a large amount of cargo and travelers were transported via the creek before rail links were established. But after a century of being utilized as a waterway to transport goods and labor, the creek grew dark and smelly. Industrial factories were established along the banks

16、. In the 1990s it became a key task of the city government to clean the creek. Suzhou Creek, which snakes 17 km from the iconic Waibaidu Bridge downtown to the outer ring road in west Shanghai, maps the changing periods of the citys history, including the imprints of the concessions, the beginning o

17、f industrialization and the improvement in peoples living conditions. Where the Bund began In-between the shopping street of East Nanjing Road and the Bund, are a cluster of streets that give me the illusion that I am no longer in modern Shanghai. The streets are narrow and old and criss-cross each

18、other. Any old residential house may turn out to be a former office of the British, constructed in the 1880s. Pawnshops and hardware stores that are hard to find elsewhere, are plentiful here. This area, at the confluence of Huangpu River and Suzhou Creek, is called the Bund Origin. Countless tour b

19、uses stop at the site every day and visitors from around the world get off to see this place, the starting point of the concessions in the city. It all started in 1872, when the former British Consulate General was constructed and the Bund began its transformation into an the financial street of the

20、 East. Now the site of the former consulate is called “No 1 Waitanyuan”, which translates to “the Bund Origin”, to honor its beginnings. The entire complex of this historical site comprises of five buildings, the former British Consulate General, the official residence of the consul, the former Unio

21、n Church, the church apartments and the former Shanghai Rowing Club. The size of the courtyard is equivalent to that of four standard soccer fields. The building of the former consulate is a two-storey masonry building on an H-shaped plan in typical English renaissance style. The building is de

22、signed with a five-arch verandah on the ground floor with a raised terrace facing the garden, while the facade features an entry portico beneath a colonnaded loggia. It has been turned into a café where dinner and afternoon tea are available. Visitors can choose to sit indoors or outd

23、oors to enjoy the magnificent gardens with nearly 30 ancient trees.Yuanmingyuan Road behind the complex is also a historical site. The road has been revamped as a pedestrian shopping street and high-end brands have seized the best spots. Altogether, 14 old buildings, including those used for offices

24、 and residences constructed during 1920s and 1930s, remain. Today, it is a popular location for commercial fashion photo shoots. New Tianan Church, or Union Church, stands at the intersection of Yuanmingyuan Road and Suzhou Creek. The church, designed in the style of the English countrysid

25、e, has a capacity of 500 people. It was very popular during the concession period but was converted into factory offices after 1949. The church we see today is a replica, the original burned down in 2007. There used to be an outdoor swimming pool, the first of its kind in Shanghai, beside the church

26、 but has been filled-in and is now a small garden. Bridge of romance There is perhaps no other place thats more representative of Shanghai than this bridge, which appears in quite a lot of movies about the city. Dozens of couples visit every day to pose for their pre-wedding photos on the bridg

27、e where Suzhou Creek begins and interconnects with Huangpu River. This is Waibaidu Bridge, or the Garden Bridge. The soon-to-be-wed couples pose in splendid attire on the bridge, leaning against the railing or sitting on the wooden floor. Some even risk walking into the middle of the road to get the

28、 perfect shot.Colorful lights illuminate the bridge throughout the night, making it a picturesque place for pre-wedding portraits and lovers to meet. Constructed in 1873 and designed by a British company, the 106-meter-long bridge was the first-ever major bridge in Shanghai. In 1856, the first large

29、 wooden bridge, Wells Bridge, was built over Suzhou Creek but the bridge toll led to complaints from citizens. So 17 years later, another wooden bridge, which did not require tolls, was built. People called it Waibaidu, which means “going across for free”. The bridge was renovated as a steel truss s

30、tructure in 1907. Because nearly 40 bridges have now been built over Suzhou Creek, the bridge is no longer a traffic artery but is more of an observation deck for tourists. It is a tradition in Shanghai for a grandmother to walk across a bridge with their grandchild when he or she reaches one month.

31、 This represents that the newborn has overcome all the twists and turns and its journey will be safe and smooth throughout his or her life. "Waibaidu Bridge is always the best option because its the icon of Shanghai. The picture of my daughter when she was a baby held by her grandmother was als

32、o taken here. Its like a family tradition," says Wang Xuefen, a Shanghai native who has a newborn grandson. Changning Riverside There is a 5-km stretch of waterfront by Suzhou Creek in Changning district on Changning Road from the intersection of Hami Road to Jiangsu Road. It has become a popul

33、ar place to take a walk and sunbathe on the lawn. There is an overpass at the intersection of Changning Road and Gubei Road for people to enjoy the view of the creek and a 3-km plastic runway on both sides of Changning Road, which attracts people of all ages, Chinese and expat. "Jogging on the

34、two sides gives a different feeling because the north side is next to the creek, and the south side is adjacent to the residential highrises, which is like jogging in the jungle," says Xiao Xu, a 27-year-old woman who lives nearby. The riverside used to be completely different. Dozens of textil

35、e mills, chemical plants and machine manufacturing factories were set up along the creek in the 1920s. They brought industrialization but also pollution. From the 1930s the creek could no longer be used as a source for tap water, and no living fish or shrimp could be found. "Suzhou Creek in my

36、memory is dark and smelly. I used to go to the riverbank to watch the sewage disposal running out from the chemical plants when I was a little girl. We didnt know it was pollution. We thought it was a red waterfall," says Huang Qi, a 57-year-old Shanghai resident. "So the residential house

37、s along the creek were unpopular, and only migrants with low incomes would live in that area," she says. However, things have changed. The plants were closed and turned into riverside parks and the apartments in the new highrises, especially those facing the creek, are much sought after. East China University of Political Science and Law This is the famous former Saint Johns Universi