商業(yè)銀行管理組織彼得S.羅斯英文原書第8版英語試題目整合Chap003

.Chapter3TheOrganizationandStructureofBankingandthe精品文檔放心下載Financial-ServicesIndustry謝謝閱讀FillintheBlankQuestions謝謝閱讀A(n)___________________isamachinelocatedatthemerchant'splaceofbusinesswhichallowsdepositorstousetheirdebitcardtopayforpurchasesdirectly.Answer:POS感謝閱讀A(n)_____________________isabankwhichoffersitsfullrangeofservicesfromseverallocations.感謝閱讀Answer:branchbankA(n)_____________________isabankwhichoffersitsfullrangeofservicesfromonlyonelocation.感謝閱讀Answer:unitbankA(n)________________________isacorporationcharteredfortheexpresspurposeofholdingthestockofoneormorebanks.精品文檔放心下載Answer:BankHoldingCompany精品文檔放心下載Managerswhovaluefringebenefits,plushofficesandampletravelbudgetsoverthepursuitofmaximumreturnsforstockholdersareexhibitingsignsof精品文檔放心下載__________________________.謝謝閱讀Answer:ExpensePreferenceBehavior精品文檔放心下載.A(n)__________________________caninvestincorporatestockassellasloanmoneytohelpfinancethestartofnewventuresorsupporttheexpansionofexistingbusinesses.感謝閱讀Answer:MerchantbankAbankwhichoperatesexclusivelyovertheinternetisknownasa___________bank.Answer:Virtual感謝閱讀Onenew21stcenturybankorganizationalstructuresis_____________________.Thisisaspecialtypeofholdingcompanythatmayofferthebroadestrangeoffinancialservices.精品文檔放心下載Answer:FinancialHoldingCompany(FHC)感謝閱讀9.Thekeyprobleminalargemoneycenterbankis .感謝閱讀Managersmaybeknowledgeableaboutbankingpracticesbutmaybelessinformedaboutproductsandservicesofsubsidiarycompanies.Answer:spanofcontrol感謝閱讀TheGramm-Leach-BlileyActmovedtheU.S.bankingindustryclosertobankinginwhichbanksmayprovidesecurities,insurance,andotherfinancialproducts.謝謝閱讀Answer:universal11.Abankthatisnotassociatedwithabankholdingcompanyiscalleda(n)謝謝閱讀.bank.Answer:independent12. isaviewofhowmoderncorporationsoperatewhich感謝閱讀analyzestherelationshipbetweenafirm’sownersanditsmanagers.感謝閱讀Answer:Agencytheory13.Manyexpertsbelievethat ,therelationshipsthatexist精品文檔放心下載betweenmanagers,theboardofdirectorsandstockholders,ismorecomplicatedinfinancialinstitutions.Answer:Becauseofgovernmentregulations.精品文檔放心下載14. istheideathattherewillbealowercostof謝謝閱讀productionperunitasthefirmgetslarger.精品文檔放心下載Answer:Economiesofscale感謝閱讀15. istheideathattherewillbelowercostof感謝閱讀producingmultipleservicesusingthesameorganizationandresources.感謝閱讀Answer:Economiesofscope感謝閱讀Overtheyears,managersofbanksandotherfinancialinstitutionshaveevolveddifferentorganizationalformstoaddresschangesintheindustry.Indeed,thesefirmsareorganizedtocarryoutvariousrolesinthemostefficientway.Thisisreferredtoas_________________________.謝謝閱讀Answer:Organizationalformfollowsfunction精品文檔放心下載True/FalseQuestionsT F17.Banksizeisnotconsideredasignificantfactorindetermininghowbanks精品文檔放心下載.areorganized.Answer:FalseT F18.NearlythreequartersofallU.S.banksexceed$100millioninassetsizeapiece.精品文檔放心下載Answer:FalseT F19.NearlyallU.S.bankswithfederalorstatechartershavetheirdepositsinsuredbytheFederalDepositInsuranceCorporation.謝謝閱讀Answer:TrueF20.State-charteredbanksintheUnitedStatesrepresentaboutaquarterofallU.S.-charteredbanks,whilenationalbanksaccountforapproximatelythree感謝閱讀quartersofallU.S.charteredbanks.精品文檔放心下載Answer:FalseF21.ThemajorityofallU.S.banksaremembersoftheFederalReserveSystem.Answer:False精品文檔放心下載F22.Abankingcorporationcharteredbyeitherfederalorstategovernmentsthatoperatesonlyonefull-serviceofficeiscalledaunitbank.精品文檔放心下載Answer:TrueF23.OverhalfofallU.S.statestodaylimitbranchingactivity.Answer:False感謝閱讀.F24.TheaverageU.S.bankislargerinsize(intermsofnumberofbranchoffices)thantheaverageCanadianbank.精品文檔放心下載Answer:FalseF25.DespitetherapidgrowthofautomationinU.S.banking,therearemorefull-servicebranchbankingofficesthanautomatedtellermachinesacrossthewholeU.S.精品文檔放心下載Answer:FalseF26.IntheUnitedStatestherearemoreone-bankholdingcompaniesthanmulti-bankholdingcompanies.謝謝閱讀Answer:TrueF27.Bankholdingcompaniesholdmorethan90percentoftheindustry’sassetsintheUnitedStates.精品文檔放心下載Answer:TrueT F28.Researchevidencesuggeststhatbankstakenoverbyinterstatebankingorganizationshavegenerallyincreasedtheirmarketsharesovertheircompetitorswithinthesamestateandgenerallyaremoreprofitablethantheircompetitors.精品文檔放心下載Answer:FalseF29.Theconcentrationofbankdepositsatthelocallevel(thatisinurbancommunitiesandruralcounties)hasdisplayedonlymoderatechangesinrecentyears.精品文檔放心下載Answer:True.T F30.Thereisevidencethatbranchbankschargehigherfeesforsomebankingservicesthandounitbanks.精品文檔放心下載Answer:TrueF31.Branchbankstendtoofferawidermenuofservicesthanunitbanks.Answer:False謝謝閱讀T F32.Recentresearchsuggeststhatbranchbankstendtobemoreprofitablethaneitherunitorholdingcompanybanks,whileinterstatebankstendtobethemostprofitableofall.感謝閱讀Answer:FalseT F33.Lessthan10percentofthelargestbanksintheU.S.controlalmost90percentoftheindustryassets.精品文檔放心下載Answer:TrueF34.Agencytheorysuggeststhatbankmanagementwillalwayspursuethegoalofmaximizingthereturnofthebank'sshareholders.感謝閱讀Answer:FalseF35.RecentresearchsuggeststhattherelationshipbetweenbanksizeandthecostofproductionperunitisroughlyUshaped.精品文檔放心下載Answer:TrueF36.Bankholdingcompaniesthatwanttoachievethegoalofriskreductioninearningsriskthroughinterstatebankingcanachievethesamelevelofrisk精品文檔放心下載.reductionbyenteringanyofthefiftystates.謝謝閱讀Answer:FalseT F37.Bankholdingcompaniesareallowedtoownnonbankbusinessesaslongasthosebusinessesofferservicescloselyrelatedtobanking.感謝閱讀Answer:TrueT F38.Bankstendtohaveahigherproportionofoutsidedirectorsthanatypicalmanufacturingfirm.感謝閱讀Answer:True.F39.Bankswhichoperateentirelyonthewebareknownasinvisiblebanks.Answer:False謝謝閱讀F40.Banksacquiredbyholdingcompaniesarereferredtoasaffiliatedbanks.Answer:True精品文檔放心下載F41.Bankorganizationalstructurehasbecomemorecomplexinrecentyears.Answer:True謝謝閱讀F42.ThereareonlyaverysmallnumberofunitbanksintheU.S.today.Answer:False精品文檔放心下載F43.Traditionalbrick-and-mortarbankbranchofficesareonthedeclineintheU.S.today.精品文檔放心下載Answer:FalseT F44.Communitybanksareusuallysmallerbanksthataredevotedprincipallytothemarketsforsmaller,locallybaseddepositsandloans.精品文檔放心下載Answer:TrueF45.Thequestionofwhetherfinancialfirmsoperateasefficientlyaspossiblerequiresresearcherstolookintotheissueofx-efficiency.Theconceptrequiresanassessmentofthefinancialfirm’soperatingcostsinrelationto感謝閱讀itscost-efficientfrontier.感謝閱讀Answer:True.MultipleChoiceQuestionsInbanking,organizationalformfollows__________becausebanksusuallyareorganizedinsuchawayastocarryoutthetasksandsupplytheservicesdemandedofthem.Thetermthatcorrectlyfillsintheblankinthesentenceaboveis:謝謝閱讀BanksizeManagement'sdecisionFunctionRegulationLocationAnswer:CWhichoneofthefollowingischargedwithsettingpolicyandoverseeingabank'sperformance?謝謝閱讀StockholdersBoardofdirectorsRegulatorsDepositorsNoneoftheabove.Answer:BThelargestbankspossesssomepotentialadvantagesoversmallandmedium-sizebanks,accordingtothetextbook.Whatspecificadvantageofthelargestbanksoversmallandmedium-sizedbanksisnotmentionedinthetext?謝謝閱讀Greaterdiversificationgeographicallyandbyproductline精品文檔放心下載Availabilityoffinancialcapitalatlowercost謝謝閱讀Greaterprofessionalexpertisetoallocatecapitaltothemostpromisingproductsandservices精品文檔放心下載.Betterpositionedtotakeadvantageoftheopportunitiesaffordedbyinterstatebanking.精品文檔放心下載Alloftheabovewerementionedinthetextasadvantagestypicallypossessedbythelargestbanks.謝謝閱讀Answer:EBeforeanyfinancialservicescanbeofferedtoanyoneabankintheUnitedStatesmusthavea:精品文檔放心下載Certificateofdepositinsurance謝謝閱讀CharterofincorporationListofestablishedcustomers謝謝閱讀Newbuildingconstructedtobethebank'spermanenthome感謝閱讀Noneoftheabove.Answer:BIntheUnitedStatestherearecloseto__________commercialbanksinoperation.WhichnumbershownbelowisclosesttotheactualtotalnumberofU.S.banksoperatingintheU.S.?感謝閱讀20,50013,50011,5009,0007,500Answer:EOneofthefewstatesthathasoptedoutofinterstatebankingis:謝謝閱讀NewYorkOhioTexasMontana.NoneoftheaboveAnswer:D精品文檔放心下載TheconcentrationofU.S.bankdepositsinthehandsofthelargestbankshas感謝閱讀_________duringthemostrecentperiod,精品文檔放心下載DeclinedIncreasedRemainedessentiallyunchanged感謝閱讀Exhibitedlargefluctuationsinbothdirections謝謝閱讀Noneofabove.Answer:BBankholdingcompanyorganizationshaveseveraladvantagesoverothertypesofbankingorganizations.Amongtheadvantagesmentionedinthischapteris:謝謝閱讀Greatereaseofaccesstocapitalmarkets感謝閱讀TaxadvantageProduct-linediversification精品文檔放心下載Alloftheabove.Noneoftheabove.Answer:DAcompanywhichownsthestockofthreedifferentbanksisknownasa(n):感謝閱讀UnitBankInterstateBankOneBankHoldingCompanyMultiBankHoldingCompany感謝閱讀NoneoftheaboveAnswer:D.Whichofthefollowingisconsideredanadvantageofbranchbanking?感謝閱讀Increasedavailabilityandconvenienceofservices感謝閱讀Decreasedchanceoffailure精品文檔放心下載ReducedtransactioncostsBandCaboveAlloftheaboveAnswer:EThetypesofnonbankbusinessesabankholdingcompanycanownincludewhichofthefollowing?謝謝閱讀RetailComputerStoreSecurityBrokerageFirmRetailGroceryStoreWholesaleElectronicDistributionCompany謝謝閱讀AlloftheaboveAnswer:BAbankwhichoffersitsfullrangeofservicesfromonlyoneofficeisknownasa:謝謝閱讀UnitBankBranchBankCorrespondentBankBankHoldingCompanyNoneoftheaboveAnswer:AWhydidsomanystatesandthefederalgovernmentfinallyenactinterstatebankinglaws?精品文檔放心下載Theneedfornewcapitalinordertorevivestrugglingeconomies謝謝閱讀Theexpansionofservicesbynonbankfinancialinstitutions精品文檔放心下載Competitionfromneighboringstatesthatalreadyliberalizedtheirlaws感謝閱讀.Advancesintechnologywhichallowedbankstoservicecustomersinbroadergeographicareas感謝閱讀AlloftheabovearereasonsforthepassageofinterstatebankinglawsAnswer:E精品文檔放心下載Whatisabankholdingcompany?謝謝閱讀Itisabankthatoffersallofitsservicesoutofoneoffice感謝閱讀Itisabankthatoffersallitsservicesoutofseveraloffices感謝閱讀Itisacorporationformedtoholdthestockofoneormorebanks謝謝閱讀ItisamerchantbankNoneoftheaboveAnswer:CWhichofthefollowingisatypeofserviceabankholdingcompanyisnotallowedtoown?精品文檔放心下載MerchantbankingcompanySavingsandloanassociation精品文檔放心下載Retailelectronicsequipmentsalescompany謝謝閱讀SecuritybrokeragefirmInsuranceagencyAnswer:CInthelastdecade,thenumberofbankshas__________andthenumberofbrancheshas_________.謝謝閱讀Declined;IncreasedGrown;IncreasedGrown;DecreasedDeclined;DecreasedStabilized;StabilizedAnswer:A.Websitesknownaselectronicbranchesofferallofthefollowingexcept:感謝閱讀InternetbankingservicesATMsPointofsalesterminalsComputerandphoneservicesconnectingcustomers謝謝閱讀Traveler'schecksAnswer:ERelativetomanufacturingfirms,bankstendtohavea(the)___________numberofboardmembers.感謝閱讀SameLargerSmallerUnknownNoneoftheaboveAnswer:BThepercentageofunitbanksintheU.S.todayisapproximately:感謝閱讀10%30%50%75%100%Answer:B65.The‘typical’communitybankhas:謝謝閱讀.$300millioninassetsandislocatedinasmallercityintheMidwest.精品文檔放心下載$25billioninassetsandislocatedinalargecityintheEast精品文檔放心下載$100millioninassetsandislocatedinalargecitytheSouth謝謝閱讀$10billioninassetsandislocatedinasmallcityintheWest感謝閱讀NoneoftheaboveAnswer:AThe‘typical’moneycenterbankhas:感謝閱讀$250millioninassetsandislocatedinasmallercityintheMidwest精品文檔放心下載$25billioninassetsandislocatedinalargecityintheEast感謝閱讀$100millioninassetsandislocatedinalargecityintheSouth謝謝閱讀$10billioninassetsandislocatedinasmallcityintheWest精品文檔放心下載NoneoftheaboveAnswer:BThemajorityofbankstodayare:感謝閱讀FederallycharteredUninsuredStateCharteredNationalBanksAlloftheaboveAnswer:C‘Member’banksare:MembersoftheFDICNationalBanks.UnitBanksMembersoftheFederalReserve精品文檔放心下載AlloftheaboveAnswer:D69.andbankstendtobelargerandholdmoreofthepublic’sdeposits.NationalandMemberStateandNonmemberNationalandUninsuredStateandInsuredNoneoftheaboveAnswer:A謝謝閱讀Whichofthefollowingisareasonfortherapidgrowthinbranchbanks?感謝閱讀Exodusofpopulationfromcitiestosuburbanareas謝謝閱讀BankconvergenceBusinessfailuresDecreasedcostsofbrickandmortar精品文檔放心下載AlloftheaboveAnswer:AUndertheBankHoldingCompanyActcontrolofabankisassumedtoexistonlyif:感謝閱讀Thebankholdingcompanyacquires100%ofthebank’sstock感謝閱讀Thebankholdingcompanyacquires50%ormoreofthebank’sstock精品文檔放心下載Thebankholdingcompanyacquires25%ormorethebank’sstock感謝閱讀Thebankholdingcompanyacquiresthreebanks謝謝閱讀.NoneoftheaboveAnswer:C感謝閱讀Whenabankholdingcompanyacquiresanonbankbusinessitmustbeapprovedby:精品文檔放心下載TheFDICTheComptrolleroftheCurrency精品文檔放心下載TheFederalReserveThePresidentoftheU.S.AlloftheaboveAnswer:CManyfinancialexpertsbelievethatthecustomersmostlikelytobedamagedbydecreasedcompetitioninclude:謝謝閱讀Largecorporationsinlargecities精品文檔放心下載Householdsandbusinessinsmallercitiesandtowns謝謝閱讀Householdsthatearnmorethanabilliondollarsayear精品文檔放心下載StudentsawayatcollegeNoneoftheaboveAnswer:BAccordingtoLevonianandRoseinordertoachievesomereductioninearningsrisk,interstatebanksmustexpandintoatleast:精品文檔放心下載2states4states6states10states.25statesAnswer:BThemajorcompetitorsofbankshave:精品文檔放心下載Fewerbutmuchlargerserviceproviders感謝閱讀Fewerbutsmallerserviceproviders感謝閱讀Morebutsmallerserviceproviders精品文檔放心下載More