商业银行管理彼得S罗斯英文原书第8版英语试题库Chap002Word文档格式.docx
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商业银行管理彼得S罗斯英文原书第8版英语试题库Chap002Word文档格式.docx
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3.OnetoolthattheFederalReserveusestocontrolthemoneysupplyis_________________.TheFederalReservewillbuyandsellT-billswhentheyareusingthistoolofmonetarypolicy.
openmarketoperations
4.The__________________________wascreatedin1913inresponsetoaseriesofeconomicdepressionsandfailures.Itsprincipalroleistoserveasthelenderoflastresortandtostabilizethefinancialmarkets.
FederalReserve
5.The__________________________preventedbanksfromcrossingstatelinesandmadenationalbankssubjecttothebranchinglawsoftheirstate.ThisactwaslaterrepealedbytheRiegleNealInterstateBankinglaw.
McFadden-PepperAct
6.BecausetheFDICleviesfixedinsurancepremiumsregardlessofrisk,thisleadstoaproblemcalledthe____________________amongbanks.Thefixedpremiumsencourageallbankstoacceptgreaterrisk.
moralhazard
7.In1980,__________________________waspassedandliftedgovernmentceilingsondepositinterestratesinfavoroffreemarketinterestrates.
DIDMCA
8.OnetoolthattheFederalReserveusestocontrolthemoneysupplyis_________________.TheFederalReservewillchangetheinterestratetheychargeforshorttermloanswhentheyareusingthistoolofmonetarypolicy.
changingthediscountrate
9.ThefirstmajorfederalbankinglawintheU.S.wasthe__________________________.ThislawwaspassedduringtheCivilWarandsetupasystemforcharteringnationalbanksandcreatedtheOCC.
NationalBankingAct
10.The_________________________waspassedduringtheGreatDepression.ItseparatedinvestmentandcommercialbanksandcreatedtheFDIC.
Glass-SteagallAct
11.The__________________________broughtbankholdingcompaniesunderthejurisdictionoftheFederalReserve.
BankHoldingCompanyAct
12.The__________________________allowsbankholdingcompaniestoacquirebanksanywhereintheUnitedStates.However,noonebankcancontrolmorethan30percentofthedepositsinanyonestateormorethan10percentofthedepositsacrossthecountry.
Riegle-NealInterstateBankingAct
13.Theallowsbankstoaffiliatewithinsurancecompaniesandsecuritiesfirmseitherthroughaholdingcompanyorasasubsidiary.
Gramm-Leach-BlileyAct(FinancialServicesModernizationAct)
14.Customersoffinancial-servicecompaniesmay_____________________ofhavingtheirprivateinformationsharedwithathirdpartysuchasatelemarketer.However,inordertodothistheymusttellthefinancial-servicescompanyinwritingthattheydonotwanttheirpersonalinformationsharedwithoutsideparties.
optout
15.Thefederalbankregulatoryagencywhichexaminesthemostbanksisthe______________.
16.The_________________requiresfinancialservicecompaniestoreportsuspiciousactivityincustomeraccountstotheTreasuryDepartment.
U.S.PatriotAct
17.ThecentralbankofthenewEuropeanUnionisknownasthe_______________________.
EuropeanCentralBankorECB
18.The_____________________Actprohibitsbanksandotherpubliclyownedfirmsfrompublishingfalseormisleadingfinancialperformanceinformation.
Sarbanes-Oxley
19.OneofthemainrolesoftheFederalReservetodayis.Theyhavethreetoolsthattheyusetodaytocarryoutthisrole;
openmarketoperations,thediscountrateandlegalreserverequirements.
monetarypolicy
20.TheisthecenterofauthorityanddecisionmakingwithintheFederalReserve.Itconsistsofsevenmembersappointedbythepresidentfortermsnotexceeding14years.
BoardofGovernors
21.Themainregulatorsofinsurancecompaniesare.
stateinsurancecommissions
22.FederalCreditUnionsareregulatedandexaminedby.
theNationalCreditUnionAdministration.
23.Themakesiteasierforvictimsofidentitythefttoalertsandallowsthepublictoapplyforafreecreditreportonceayear.
FairandAccurateCreditTransactionsAct(FACTAct)
24.Themakesitfasterandlesscostlyforbankstoclearchecks.Itallowsforbankstoelectronicallysendcheckimagesinsteadofshippingpaperchecksacrossthecountry.
Check21Act
25.ThewascreatedbytheNationalBankingActandispartoftheTreasuryDepartment.ItistheprimaryregulatorofNationalBanks.
OfficeoftheComptrolleroftheCurrency(OCC)
26.The_________________________proposesvariousregulationsapplyingtothefinancialmarketstocombattherecentcreditcrisis.This“bail-out”billgrantedtheUSTreasurythemeanstopurchasetroubledloans,allowedtheFDICtotemporarilyincreasedepositinsurance,andpermittedthegovernmenttoinjectadditionalcapitalintothebankingsystem.
TheEmergencyEconomicStabilizationActof2008
True/FalseQuestions
TF27.FederalReserveActauthorizedthecreationoftheFederalDepositInsuranceCorporation.
False
TF28.IntheUnitedStates,fixedfeeschargedfordepositinsurance,regardlessofhowriskyabankis,ledtoaproblemknownasmoralhazard.
True
TF28.Government-sponsoreddepositinsurancetypicallyencouragesindividualdepositorstomonitortheirbanks'
behaviorinacceptingrisk.
TF29.TheFederalReservechangesreserverequirementsfrequentlybecausetheaffectofthesechangesissosmall.
TF30.TheBankMergerActanditsamendmentsrequiresthatBankHoldingCompaniesbeunderthejurisdictionoftheFederalReserve.
TF31.NationalbankscannotmergewithoutthepriorapprovaloftheComptrolleroftheCurrency.
TF32.TheTruthinLending(orConsumerCreditProtection)ActwaspassedbytheU.S.Congresstooutlawdiscriminationinprovidingbankservicestothepublic.
TF33.Thefederallawthatstatesindividualsandfamiliescannotbedeniedaloanmerelybecauseoftheirage,sex,race,nationaloriginorreligiousaffiliationisknownastheCompetitiveEqualityinBankingAct.
TF34.Underthetermsofthe1994Riegle-NealInterstateBankinglawbankholdingcompaniescanacquireabankanywhereinsidetheUnitedStates,subjecttoFederalReserveBoardapproval.
TF35.The1994federalinterstatebankingbilldoesnotlimitthepercentageofstatewideornationwidedepositsthataninterstatebankingfirmisallowedtocontrol.
TF36.Theterm"
regulatorydialectic"
referstothedualsystemofbankingregulationintheUnitedStatesandselectedothercountrieswhereboththefederalorcentralgovernmentandlocalgovernmentsregulatebanks.
TF37.Themoralhazardproblemofbanksiscausedbythefixedinsurancepremiumspaidbybanksandcausesbankstoacceptgreaterrisk.
TF38.WhentheFederalReservebuysT-billsthroughitsopenmarketoperations,itcausesthegrowthofbankdepositsandloanstodecrease.
TF39.WhentheFederalReserveincreasesthediscountrateitgenerallycausesotherinterestratestodecrease.
TF40.TheNationalBankAct(1863)createdtheFederalReservewhichactsasthelenderoflastresort.
TF41.FIRREA(1989)allowedbankholdingcompaniestoacquirenonblankdepositoryinstitutionsand,ifdesired,convertthemintobranchoffices.
TF42.TheSarbanes-OxleyActallowsbanks,insurancecompanies,andsecuritiesfirmstoformFinancialHoldingCompanies(FHCs).
TF43.TheGramm-Leach-BlileyActof1999essentiallyrepealstheGlass-SteagallActpassedinthe1930s.
TF44.Passedin1977,theEqualCreditOpportunityActprohibitsbanksfromdiscriminatingagainstcustomersmerelyonthebasisoftheneighborhoodinwhichtheylive.
TF45.ThetoolusedbytheFederalReserveSystemtoinfluencetheeconomyandbehaviorofbanksisknownasmoralhazard.
TF46.Oneoftheprincipalreasonsforgovernmentregulationoffinancialfirmsistoprotectthesafetyandsoundnessofthefinancialsystem.
MultipleChoiceQuestions
47.Banksareregulatedforwhichofthereasonslistedbelow?
A)Banksareleadingrepositoriesofthepublic'
ssavings.
B)Bankshavethepowertocreatemoney.
C)Banksprovidebusinessesandindividualswithloansthatsupportconsumptionandinvestmentspending.
D)Banksassistgovernmentsinconductingeconomicpolicy,collectingtaxesanddispensinggovernmentpayments.
E)Alloftheabove.
E
48.Aninstitutionalarrangementinwhichfederalandstateauthoritiesbothhavesignificantbankregulatorypowersisreferredtoas:
A)BalanceofPower
B)Federalism
C)DualBankingSystem
D)CooperativeRegulation
E)CoordinatedControl
C
49.Thelawthatsetupthefederalbankingsystemandprovidedforthecharteringofnationalbanks
wasthe:
A)NationalBankAct
B)McFadden-Pep
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