2015年电大金融学本科期末测试试题及答案资料

单选题1金融创新对金融发展和经济发展的作用是D。A利大于弊B利小于弊C有利无弊D利弊均衡2按国际货币基金组织的口径，对现钞不正确表述是B。A居民手中的现钞B商业银行的库存现金C企业单位的备用金D购买力最强3信用的基本特征是C。A平等的价值交换B无条件的价值单方面让渡C以偿还为条件的价值单方面转移D无偿的赠予或援助4贝币和谷帛曾经是我国历史上的C。A信用货币B纸币C实物货币D金属货币5在多种利率并存条件下起决定作用的利率是A。A基准利率B差别利率C实际利率D公定利率6由政府或政府金融机构确定并强令执行的利率是C。A公定利率B一般利率C官定利率D固定利率7在我国，目前没有实行市场利率的是A。A民间借贷利率B银行存贷款利率C银行同业拆借利率D上海证券交易所债券市场利率8在金融机构发挥的所有功能中，B功能是适应经济发展需求最早产生的。A融通资金B支付结算服务C降低交易成本D风险转移与管理9当代金融创新的A特点大大刺激了创新的供给热情。A高收益低成本B投机性C安全性D灵活性10美元与黄金直接挂钩，其他国家的货币与美元挂钩是C的特点。A国际金本位制B牙买加体系C布雷顿森林体系D国际金块本位制11C是在国家或地区金融监管组织机构中居于核心位置的机构。A社会性公律组织B行业协会C中央银行或金融管理局D分业设立的监管机构12以下不属于债务信用的是C。A银行的存贷款活动B政府发行国债C居民购买股票D企业发行债券13典型的商业信用形式是D。A商品批发B商品零售C商品代销D商品赊销14我国习惯上将年息、月息、日息都以“厘”作单位，但实际含义却不同，年息6厘，月息6厘，日息6厘的含义分别是指C。A年利率为6，月利率为06，日利率为6B年利率为6，月利率为6，日利率为06C年利率为6，月利率为6，日利率为06D年利率为06，月利率为6，日利率为615经济发展对金融起B作用。A推动B决定性C不确定D一定的16高利贷是一种以B为条件的借贷活动。A价值转移B高利借债和偿还C价值特殊运动D支付利息17金融市场场内交易遵循的竞价原则是D。A时间优先B时间优先、价格优先C价格优先D价格优先、时间优先18以下哪项不属于商业信用形式B。A银行贷款B商品零售C商品代销D商品赊销19货币材料的演变阶段依次经历了C。A金属货币到实物货币到信用货币B实物货币到信用货币到金属货币C实物货币到金属货币到信用货币D信用货币到金属货币到代用货币20利率决定的基本因素是B。A企业承受力B平均利润率C资金供求状况D价格水平21现货市场的实际交割一般在成交后A内进行。A2日B5日C1周D1月22由于同业拆借市场利率常被当作A，所以是整个利率走势的风向标。A基准利率B官定利率C浮动利率D市场利率23世界银行集团是由D个机构合称的全球性金融组织。A二B三C四D五24下列属于所有权凭证的金融工具是C。A商业票据B企业债券C股票D可转让大额定期存单25一张差半年到期的面额为1000元的票据，到银行得到950元的贴现金额，则年贴现率为B。A5B10C256D51226股份制商业银行内部组织形式一般包括决策机构、执行机构和监督机构B是公司的最高权利机构。A股东大会B董事会C监事会D执行机构27D是指投保人对保险标的所具有的法律上承认的利益。A保险标的B保险价值C保险期间D保险利益28存款分为定期存款、活期存款和定活两便存款是依据（A）分类的。A存款的稳定性B存款的经济性质C存款的货币形式D存款的现行统计口径29在贷款五级分类中，当“尽管借款人有能力偿还贷款本息，但是存在一些可能对偿还产生不利影响的因素”时，应当作为A贷款。A关注类B次级类C可疑类D正常类30A是金融中介机构最基本的职能。A信用中介职能B信用创造职能C支付中介职能D金融服务职能31货币层次的划分主要是以B作为标准。A安全性B流动性C顺序性D具体性32利率上下浮动的范围是C确定。A各商业银行总行B商业银行经营行处C中国人民银行总行D国务院33商场商品标签上注明某商品的价格为10元，此时货币在执行（A）职能。A价值尺度B流通手段C支付手段D储藏手段34表外业务与表内业务相比具有明显的C特征。A负债业务B资产业务C中间业务D或有负债35短期国债通常称为A。A国库券B公债C公司债券D股票36影响对公存款变化的外部因素有。A社会经济环境B国家金融政策C商品价格变动D竞争性利率政策37下列属于优先股股东权利范围的是B。A选举权B收益权C被选举权D投票权38信用是D。A买卖行为B赠予行为C救济行为D各种借贷关系的总和39现代信用活动的基础是D。A信用货币在理代经济中的使用B经济中存在大量的资金需求C企业间的赊销活动D现代经济中广泛存在着盈余或赤字单位40目前我国商业银行存款利率属于B。A市场利率B官定利率C公定利率D优惠利率判断题41高利贷是一种以极高的利率为特征信用形式，它在资本主义社会中占主导地位。42利率管制严重制约了利率作为经济杠杆的作用，对经济毫无益处。43以复利计息，考虑了资金的时间价值因素，对贷出者有利。44经济泡沫主要通过虚拟资产表现出来，如股票，金融衍生产品等，一般实物资产不会出现泡沫。45金融市场是一个包含许多不同层次和内容的复合体。46由于定期存款事先约定期限，所以不到期绝对不能支取。47所有的商业保险都是自愿的。48当存款贴现率为100时，则派生存款额等于零。49所有的商业保险都是自愿的。50贴现贷款最突出的特点是自偿性。51贷款利率政策是我国信贷政策的一个重要组成部分。52一笔6个月的短期贷款，利率为8，展期6个月后，其贷款仍需按8的利率指标计收利息。53农发行实行封闭运行目标，有利于减轻中央银行发行基础货币的压力。54开办政策性住房信贷业务的银行必须是由中国人民银行指定的银行。55商业银行是各国金融体系的中心，处于主导地位。56中长期贷款又称为固定资金贷款。57贷款方式的选择主要依据借款人的信用和贷款风险程度。58货币乘数效应既然是一种客观必然性，因此是不可控的。59金融机构办理自营外汇买卖业务可以不经任何部门批准，自己进行。60企业经济效益高，则银行贷款效益一定高。61代理业务具有代客服务的性质，它是在委托人与银行之间产生的一种法律和契约关系。62贷款项目评估和可行性研究是同一概念。63银行承兑汇票的贴现，从贴现银行的角度讲，实际上是以现款买入未到期汇款上的债权，等汇票到期时，收回本金并获得利益。64申请汽车消费贷款的借款人只能是个人。65存款和现金可以相互转化，因此，在一定条件下，存款也是通货。66在市场利率波动较大的情况下，政府发债的利率风险加大，此时应该减少短期债券，增加长期公债的发行。67任何信用活动都会导致货币的变动信用的扩张会减少货币供给，信用紧缩将增加货币供给，最终信用资金的调剂将影响货币流通速度和货币供给的结构。68广义货币量反映的是整个社会潜在的购买能力。69金融与经济发展的关系可以这样理解金融在整体经济中一直居于主导地为，它可以凌驾于经济发展之上。70利率管制严重制约了利率作为经济杠杆的作用，对经济毫无益处。71银行信用是现代信用活动中最基本的信用形式，而商业信用是现代信用活动中主要的信用形式。72牙买加体系规定美元和黄金不再作为国际储备货币。73中国的金融资产管理公司带有典型的商业性金融机构特征，是专门为接受和处理国有金融机构不良资产而建立的。74现代金融业的发展在有力地推动经济发展的同时，出现不良影响和负作用的可能性也越来越大。75格雷欣法则是在金银复本位制中的平行本位制条件下出现的现象。76商业银行的“三性”经营原则，是一个具有完全内在统一性的整体。您好，为你提供优秀的毕业论文参考资料，请您删除以下内容，O_O谢谢ALARGEGROUPOFTEAMERCHANTSONCAMELSANDHORSESFROMNORTHWESTCHINASSHAANXIPROVINCEPASSTHROUGHASTOPONTHEANCIENTSILKROAD,GANSUSZHANGYECITYDURINGTHEIRJOURNEYTOKAZAKHSTAN,MAY5,2015THECARAVAN,CONSISTINGOFMORETHAN100CAMELS,THREEHORSEDRAWNCARRIAGESANDFOURSUPPORTVEHICLES,STARTEDTHETRIPFROMJINGYANGCOUNTYINSHAANXIONSEPT19,2014ITWILLPASSTHROUGHGANSUPROVINCEANDXINJIANGUYGURAUTONOMOUSREGION,ANDFINALLYARRIVEINALMATY,FORMERLYKNOWNASALMAATA,THELARGESTCITYINKAZAKHSTAN,ANDDUNGANINZHAMBYLPROVINCETHETRIPWILLCOVERABOUT15,000KILOMETERSANDTAKETHECARAVANMORETHANONEYEARTOCOMPLETETHECARAVANISEXPECTEDTORETURNTOJINGYANGINMARCH2016THENTHEYWILLCOMEBACK,CARRYINGSPECIALTYPRODUCTSFROMKAZAKHSTANASMALLARTTROUPEFOUNDEDSIXDECADESAGOHASGROWNINTOAHOUSEHOLDNAMEINTHEINNERMONGOLIAAUTONOMOUSREGIONINTHE1950S,ULANMUQIRARTTROUPEWASCREATEDBYNINEYOUNGMUSICIANS,WHOTOUREDREMOTEVILLAGESONHORSESANDPERFORMEDTRADITIONALMONGOLIANMUSICANDDANCESFORNOMADICFAMILIESTHE54YEAROLDWASBORNINTONGLIAO,INEASTERNINNERMONGOLIAANDJOINEDTHETROUPEIN1975HESAYSTHEREARE74BRANCHTROUPESACROSSINNERMONGOLIAANDACTORSGIVEAROUND100SHOWSEVERYYEARTOLOCALNOMADICPEOPLE“ICANSTILLRECALLTHEDAYSWHENITOUREDWITHTHETROUPEINTHEEARLY80SWESATONTHEBACKOFPICKUPTRUCKSFORHOURSTHESKYWASBLUE,ANDWECOULDNTHELPBUTSINGTHEFOLKSONGS,“NASUNSAYSTHEVASTNESSOFINNERMONGOLIAANDTHELACKOFENTERTAINMENTOPTIONSFORPEOPLELIVINGTHERE,MADETHEIRLIVESLONELY“THENOMADICPEOPLEWEREVERYEXCITEDABOUTOURVISITS,“NASUNRECALLS“WEDIDNTHAVEAFORMALSTAGETHEAUDIENCEJUSTSATONTHEGRASSUSUALLY,THEPERFORMANCESBECAMEABIGPARTYWITHLOCALPEOPLEJOININGIN“FORHIM,THEREWARDINGPARTABOUTTOURINGISNTJUSTABOUTSHARINGARTWITHNOMADICFAMILIESBUTALSOABOUTGAININGINSPIRATIONFORTHEMUSICANDDANCEULANMUQIRLITERALLYTRANSLATESAS“REDBURGEON“,ANDTODAYSPERFORMERSOFTHETROUPESTILLTOURTHEREGIONSVILLAGESANDENTERTAINNOMADICFAMILIES,BUTTHEIRFAMEHASSPREADAROUNDTHEWORLDONMAY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