英语判断题.doc

“三大模块”题库（英语判断题）1. The capital ratios expected to be maintained by all banks are 4% for Tier 1 and 8% for Total capital. False 2. In all G-10 countries, the minimum ratios for Tier 1 and Total capital are 6% and 10%, respectively. False 3. The Basel I minimum Tier 1 and Tier 2 capital ratios are each 4%. False 4. The Basel I minimum Tier 1 ratio is 4% and the minimum Total capital ratio is 8%. True8. According to the corporation law, the company structure includes the shareholders, the board of directors and the supervisory board.（模块三电子版P357）答：错10. Huge loss of bank deposits can be considered as the internal signal of early-warning signals of liquidity risk. (Wrong)（错）参考来源：（模块三P269）13. Economic capital is an economic concept that is used to describe a banks ability to cover the expected loss. Answer : False 商业银行主要业务 P453 判断第一题17. Low-value consumption goods a corporation has can not be used as debt assets.Wrong18. The necessary condition for a bank to issue financial bond is core capital adequacy ratio more than 4%.Right 19. The bank business of bill acceptance and discount should have its real trade background.Right 20. The efficiency standard regarding public finance in terms of resource replacement is the maximization the government investment return.Wrong21. Economic capital can be allocated to a specific transaction.Right 22. Economic capital is the minimum amount of money an institution can lose over a specified time horizon.Wrong25. True or false: options give buyers the obligation to buy or sell an asset at a present price over a specific period.答案：False 出处：商业银行主要业务 P 40726. Futures contracts usually end in the delivery of the underlying commodity.答案：False出处：商业银行主要业务 P 39429. When the aggregate demand is beyond the aggregate supply, the economy is in balance. （Answer: False）30. At the present time，supervise method of Chinese banking is Risk-based Supervision. （Answer: False）31. The purpose of foreign exchange futures hedging is to avoid or reduce funds risk， to ensure the value of foreign currency assets。（Answer: True）32. The ratio of loans to deposits shall not exceed 75%;The dependence on core debt shall not exceed 60%.（Answer: False）33. The core capital Includes Paid-in capital、capital surplus、profit surplus、the undistributed profits、Minority, Etc. （Answer: True）34. The direct business objective of the bank industry is to implement the business management and pursue profits. （Answer: True）35. Sensitivity analysis to results of forecast finance can not accurately determine borrower s repayment ability of future. （Answer: False）38. Mortgage is a financial instrument? （Answer: False）39. The business of the bank contains three parts that are assets, liabilities and off balance sheet activities. （Answer: True）40. Intermediary business cost analysis contains comparing methods case analysis methods. （Answer: False）41. Address individual customers risk is the first important section to risk precaution for the bank. (T)44. Under the risk-based supervision framework, offsite review plays an important role in risk identification and early warning. (Right) 45. FX (foreign exchange) risk is generally categorized into FX trading risk and FX structure/mismatching risk. (Right) 46. Consolidated supervision, which is different from Solo supervision, is applicable for the supervision of banking group. (Right)47. One innovation of Basel II is to introduce the capital requirements for liquidity risk. (Wrong)48. Under Basel II, general provisions or loan loss reserves can be included in Tier 1 capital. (Wrong)50. Liquidity is a measure of how quickly things may be converted to something of value like cash. T （From: 银行监管实务）51. Under Pillar 3 of Basel II, banks are required to make periodic specific disclosures relating to Loan Loss Provisions. (T)52. Credit Card loans are classified as Retail or Consumer Loans in a banks loan book. (T)54. Bank Regulators are expected to assess and approve a banks IRB system to ensure that it meets minimum requirements. (T)55. Verification and cancelation of NPL is daily practice of commercial banks, it needs no intervention from the supervising authority.（F）56. Bank Regulators are expected to assess and approve a banks IRB system to ensure that it meets minimum requirements. (T)57. Verification and cancelation of NPL is daily practice of commercial banks, it needs no intervention from the supervising authority.（F）58. Banks are required to report the Board the banks interest rate risk exposure on a regular basis. F59. Operational risk includes legal risk and strategic risk, but excludes reputation risk.T61. In all kinds of operational risk cases, internal frauds are usually rare but cause huge losses. T62. Credit line control is a traditional way for banks to control credit concentration risk in advance. T63. Accrual basis is one of the accounting principles, which belongs to recognition and measurement principles.T64. Security interest, at any time, equals to the sum of loan, interests and expense to fulfill the security. F 65. A general definition of Related-party transactions is transactions between banks and related parties, especially loan business. T67. Operating profit、Total profit and net profit are three different indicators of profit （Right）68. Generally loans are classified as Standard, Special mention, Substandard, Doubtful。（false）69. Loans in the Special mention, doubtful and loss categories are treated as non-performing loans（false）70. Generally: provisions cover all incurred and expected credit losses; capital is used to cover unexpected losses.(correct)73. Operational risk includes reputational and strategic risk. (false)74. Interest rate risk incorporates both general market risk and specific risk. (correct)76. The most important role of banks is the creation of money, which they do by accepting deposits and making loans to businesses and individuals. (correct)80. Credit risk is the potential that a banks borrower or counterparty will fail to meet its obligations in accordance with agreed terms. (correct)82. Economic capital method provides a common metric and indicator of risks and returns.答案：正确。83. The Basel I minimum Tier 1 ratio is 4% and the minimum Total capital ratio is 8%.答案：正确84. For term loans, the lenders analysis should focus primarily on the value of the collateral.答案：错误。The lenders analysis should focus primarily on the borrowers repayment capacity85. Tier 1 capital has the lowest capacity for absorbing losses on an ongoing basis.答案：错误。Tier 1 capital has the highest capacity for absorbing losses on an ongoing basis.86. regulatory compliance and risk control are contradictory. (Wrong)87. the level of risk assessment and risk management assessment are summarized up to comprehensive risk assessment. (Wrong)88. risk-based regulation is a regulatory approach to replace the CAMELS rating method. (Wrong) 89. net income plus depreciation equals net cash flow (wrong) 93. A branch of a commercial bank has the qualifications of a legal person. ( F )94. People who owe comparatively large amount of debt which is overdue cannot be senior management personnel. ( T )95. It is forbidden to use the borrowed inter-bank funds to issue fixed assets loans or to make investment. ( T )96. The term of second-hand housing loan shouldnt be more than 30 years.()Answer: 97. The amount of commercial vehicle loans shouldnt exceed 60% of the car prices.() Answer: 99. According to the standard method on operational risk measurement, the Basel Committee divide banks business into six product lines.()Answer: 100. Proj