银行与金融机构监管及答案解析.doc

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1、银行与金融机构监管及答案解析(总分：70.00，做题时间：90 分钟)一、B/B(总题数：18，分数：36.00)1.存款保险基金（分数：2.00）_垄断_3.宏观经济政策（分数：2.00）_4.启动成本（分数：2.00）_5.间接投资（分数：2.00）_6.偿付前景（分数：2.00）_7.风险权重（分数：2.00）_8.市场纪律（分数：2.00）_9.资产集中（分数：2.00）_10.信用延期（分数：2.00）_11.或有债务（分数：2.00）_12.可疑的放款（分数：2.00）_收入_14.贷款损失储备金（分数：2.00）_15.流动比率（分数：2.00）_16.质弱银行（分数：2.00）

2、_并购_18.保险费率（分数：2.00）_二、B/B(总题数：6，分数：12.00)19.Branches of the Peoples Bank of China stopped direct lending to local financial institutions and refinancing was made only to the head offices of commercial banks by the Peoples Bank of China.（分数：2.00）_20.Should any of the aforesaid acts result in a loss,

3、 the person directly in charge and other persons held direct responsibility shall bear part of or all the liabilities for compensation.（分数：2.00）_21.China Banking Regulatory Commission shall, in accordance with law, exercise supervision over financial institutions and their business operations to mai

4、ntain the legitimate, stable and sound operation of the financial industry.（分数：2.00）_22.Before extending a loan, a commercial bank shall conduct strict examination of its purpose, the capability of the borrower and form of repayment as well as other relevant matters.（分数：2.00）_23.A commercial bank sh

5、all not engage in trust investment of stock business, or invest in real estate not for its own use.（分数：2.00）_24.Sound and effective regulation and, in turn, the confidence it brings is important for the integrity and development of the markets.（分数：2.00）_三、B/B(总题数：7，分数：7.00)25.The banking organizatio

6、ns are not so highly geared as the industrial companies.（分数：1.00）填空项 1:_26.The limit on the deposit insurance coverage also serves to maximize moral hazard on the part of the depositors.（分数：1.00）填空项 1:_27.Bank charter is usually granted by the central bank or a separate supervisory body of a country

7、.（分数：1.00）填空项 1:_28.Banking, by its nature, entails taking a wide array of risks.（分数：1.00）填空项 1:_29.The most important types of operational risk involve breakdowns in external controls or corporate governance.（分数：1.00）填空项 1:_30.Reputation risk is particularly damaging for banks since the nature of t

8、heir business requires maintaining the confidence of depositors, creditors, and the general marketplace.（分数：1.00）填空项 1:_31.From the bank supervisors perspective, the most attractive approach is to try to encourage the assisted merger of the failing bank into a sound institution.（分数：1.00）填空项 1:_四、B/B

9、(总题数：1，分数：15.00)用下面的词汇填空increase, engage, capital, protect, failures, fail, interests, efficiently,expensive, align, protect, insurance, defraud, losses, closesBank managers and owners must not be given incentives toU (1) /Uin behavior detrimental to the whole banking system. They must either run th

10、eir banksU (2) /Uor face failure. Deposit insurance is meant toU (3) /Uthe banking system, not poorly run banks. The fact is that bankU (4) /Uare often self-inflicted by owners and managers who mismanage. Such losses can be reduced if the supervisorU (5) /Uthe bank before it fails totally, since del

11、aying a bank closing or sale tends to increaseU (6) /Uand to spread them to the banking system as a whole.Even without deposit insurance, bank managers may pursue their ownU (7) /Uat the expense of the bank. But the problem gets worse withU (8) /U. Managers may indulge in such excesses as high salar

12、ies,U (9) /Ubuildings, and lavish furnishings. To combat this problem, managers could receive an “incentive-compatible contract“ toU (10) /Utheir interests with those of the owners. When the hank is sound, managers can bestU (11) /Utheir professional reputations by keeping it so. However, if a bank

13、begins toU (12) /Uand no proper incentive exists to protect itsU (13) /U, managers may join owners in being prepared to gamble for recovery by making high-risk loans or to loot orU (14) /Uthe bank. At that point deposit insurance couldU (15) /Utheir opportunities to do so.（分数：15.00）(1).（分数：1.00）填空项

14、1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_银行与金融机构监管答案解析(总分：70.00，做题时间：90 分钟)一、B/B(总题数：18，分数：36.00)1.存款保险基金（分数：2.00）_正确答案：()解析：deposit insurance fund垄断_正确答案：()解析：monopoly3.宏观经济政策（分数：2.00）_正确答案：()解析：macro-economic policy4.启动成本（分数：2.00）_正确答案：()

15、解析：start-up cost5.间接投资（分数：2.00）_正确答案：()解析：indirect investment6.偿付前景（分数：2.00）_正确答案：()解析：repayment prospect7.风险权重（分数：2.00）_正确答案：()解析：risk weight8.市场纪律（分数：2.00）_正确答案：()解析：market discipline9.资产集中（分数：2.00）_正确答案：()解析：assets concentration10.信用延期（分数：2.00）_正确答案：()解析：extension of credit11.或有债务（分数：2.00）_正确答案：(

16、)解析：contingent liabilities12.可疑的放款（分数：2.00）_正确答案：()解析：doubtful loans收入_正确答案：()解析：revenue14.贷款损失储备金（分数：2.00）_正确答案：()解析：loan loss reserve15.流动比率（分数：2.00）_正确答案：()解析：liquidity ratio16.质弱银行（分数：2.00）_正确答案：()解析：weak bank并购_正确答案：()解析：mergers and acquisitions18.保险费率（分数：2.00）_正确答案：()解析：insurance rates二、B/B(总题

17、数：6，分数：12.00)19.Branches of the Peoples Bank of China stopped direct lending to local financial institutions and refinancing was made only to the head offices of commercial banks by the Peoples Bank of China.（分数：2.00）_正确答案：()解析：中国人民银行的分支机构不再直接向地方金融机构提供贷款，仅由中国人民银行为商业银行总行筹措资金。20.Should any of the afor

18、esaid acts result in a loss, the person directly in charge and other persons held direct responsibility shall bear part of or all the liabilities for compensation.（分数：2.00）_正确答案：()解析：如果上述行为导致了亏损，主管人员和负有直接责任的人员都要承担部分或全部赔偿责任。21.China Banking Regulatory Commission shall, in accordance with law, exercis

19、e supervision over financial institutions and their business operations to maintain the legitimate, stable and sound operation of the financial industry.（分数：2.00）_正确答案：()解析：中国人民银行依法对金融机构及其业务经营进行监管，以确保金融业合法、稳定、良好地运转。22.Before extending a loan, a commercial bank shall conduct strict examination of its

20、 purpose, the capability of the borrower and form of repayment as well as other relevant matters.（分数：2.00）_正确答案：()解析：在发放贷款前，商业银行要对借款的目的、借款人的偿付能力、偿债方式以及其他相关问题进行严格的审查。23.A commercial bank shall not engage in trust investment of stock business, or invest in real estate not for its own use.（分数：2.00）_正确答

21、案：()解析：商业银行不得进行股票的信托投资，不得对非自用的房地产业进行投资。24.Sound and effective regulation and, in turn, the confidence it brings is important for the integrity and development of the markets.（分数：2.00）_正确答案：()解析：健全有效的制度以及制度所带来的信心对于市场的诚信和发展也很重要。三、B/B(总题数：7，分数：7.00)25.The banking organizations are not so highly geared

22、as the industrial companies.（分数：1.00）填空项 1:_ （正确答案：F）解析：26.The limit on the deposit insurance coverage also serves to maximize moral hazard on the part of the depositors.（分数：1.00）填空项 1:_ （正确答案：F）解析：27.Bank charter is usually granted by the central bank or a separate supervisory body of a country.（分数

23、：1.00）填空项 1:_ （正确答案：T）解析：28.Banking, by its nature, entails taking a wide array of risks.（分数：1.00）填空项 1:_ （正确答案：T）解析：29.The most important types of operational risk involve breakdowns in external controls or corporate governance.（分数：1.00）填空项 1:_ （正确答案：F）解析：30.Reputation risk is particularly damaging

24、 for banks since the nature of their business requires maintaining the confidence of depositors, creditors, and the general marketplace.（分数：1.00）填空项 1:_ （正确答案：T）解析：31.From the bank supervisors perspective, the most attractive approach is to try to encourage the assisted merger of the failing bank in

25、to a sound institution.（分数：1.00）填空项 1:_ （正确答案：F）解析：四、B/B(总题数：1，分数：15.00)用下面的词汇填空increase, engage, capital, protect, failures, fail, interests, efficiently,expensive, align, protect, insurance, defraud, losses, closesBank managers and owners must not be given incentives toU (1) /Uin behavior detrimen

26、tal to the whole banking system. They must either run their banksU (2) /Uor face failure. Deposit insurance is meant toU (3) /Uthe banking system, not poorly run banks. The fact is that bankU (4) /Uare often self-inflicted by owners and managers who mismanage. Such losses can be reduced if the super

27、visorU (5) /Uthe bank before it fails totally, since delaying a bank closing or sale tends to increaseU (6) /Uand to spread them to the banking system as a whole.Even without deposit insurance, bank managers may pursue their ownU (7) /Uat the expense of the bank. But the problem gets worse withU (8)

28、 /U. Managers may indulge in such excesses as high salaries,U (9) /Ubuildings, and lavish furnishings. To combat this problem, managers could receive an “incentive-compatible contract“ toU (10) /Utheir interests with those of the owners. When the hank is sound, managers can bestU (11) /Utheir profes

29、sional reputations by keeping it so. However, if a bank begins toU (12) /Uand no proper incentive exists to protect itsU (13) /U, managers may join owners in being prepared to gamble for recovery by making high-risk loans or to loot orU (14) /Uthe bank. At that point deposit insurance couldU (15) /U

30、their opportunities to do so.（分数：15.00）(1).（分数：1.00）填空项 1:_ （正确答案：engage）解析：填空项 1:_ （正确答案：efficiently）解析：填空项 1:_ （正确答案：protect）解析：填空项 1:_ （正确答案：failures）解析：填空项 1:_ （正确答案：closes）解析：填空项 1:_ （正确答案：losses）解析：填空项 1:_ （正确答案：interests）解析：填空项 1:_ （正确答案：insurance）解析：填空项 1:_ （正确答案：expensive）解析：填空项 1:_ （正确答案：align）解析：填空项 1:_ （正确答案：protect）解析：填空项 1:_ （正确答案：fail）解析：填空项 1:_ （正确答案：capital）解析：填空项 1:_ （正确答案：defraud）解析：填空项 1:_ （正确答案：increase）解析：