A.Market penetration deposit pricing

B.Conditional Pricing

C.Relationship pricing

D.Pricing Deposits at Cost Plus Profit Margin

正确答案：Market penetration deposit pricing

8、Dollar denominated CDs issued outside the U.S.is（）

A.Thrift CDs

B.Yankee CDs

C.Domestic CDs

D.Euro CDs

正确答案：Euro CDs

9、In the following type of bank capitals，（）belong to； Tie 1 capital.

A.allowance for loan and lease losses

B.undivided profits

C.common stock and surplus

D.subordinated debt capital instruments

正确答案：undivided profits；common stock and surplus

10、提出维持银行稳健运营的三大支柱是最低资本充足率、外部监管与银行内部控制相结合和市场约束的是（）。

A.多德弗兰克法案

B.Basell 2

C.Basell 1

D.Basell 3

正确答案：Basell 2

第三章单元测试

1、商业银行可以通过在免税的市政债券和不免税但名义收益率高的国债之间进行组合，起到合理避税效果，尽可能提高证券组合的收益率。

A.正确

B.错误

正确答案：正确

2、CAMELS Rating System includes six aspects of regulation authorities regulating the banks， the six aspects are Capital adequacy， Earnings record，Asset quality，Liquidity position，Management quality，Sensitivity to market risk .。

A.正确

B.错误

正确答案：正确

3、按照贷款的质量和风险程度划分，银行贷款可以分为（）等五类。

A.可疑贷款

B.损失贷款

C.正常贷款

D.关注贷款

E.次级贷款

正确答案：可疑贷款；损失贷款；正常贷款；关注贷款；次级贷款

4、贷款抵押或担保相当于变相提高了借款人的信用等级，所以对于担保贷款就不需要做贷后检查了。

A.正确

B.错误

正确答案：错误

5、向处于生命周期成熟期的企业发放贷款风险最小，因为这类企业现金流入稳定，偿债能力强。

A.正确

B.错误

正确答案：正确

6、Larger banks have， on average， recently reduced their dependence on loans relative to smaller banks.（）。

A.正确

B.错误

正确答案：正确

7、In the following items， which ones are belonging to the waining signs of problem loans（）.

A.adverse changes in the price of stock

B.an sudden changes in accounting methods

C.unusual delays in receiving financial statements

D.restructuring debt or eliminating dividend payments or changes in credit rating

正确答案：adverse changes in the price of stock；an sudden changes in accounting methods；unusual delays in receiving financial statements；restructuring debt or eliminating dividend payments or changes in credit rating