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1、精选优质文档-倾情为你奉上A Chapter 4F 1. A financial intermediary transfers funds from borrowers to lenders by creating claims on itself.金融中介机构通过建立自身债权转让从借款人的资金贷款T 2. When cash is deposited in a checking account, the reserves of commercial banks are increased.当现金存入支票帐户时，商业银行的准备金增加F 3. When funds are deposited i
2、n a savings account, the excess reserves of banks are unaffected.当资金存入储蓄账户中，银行的超额准备金不受影响F 4. Large certificates of deposit in units of $500,000 are insured by FDIC.存款50万元的单位大证由美国联邦存款保险公司的保险保障 T 5. In general, banks prefer loans that stress liquidityand safety.一般情况下，银行更喜欢强调流动资金贷款和安全性T 6. Savings and
3、loan associations are a major source of mortgage funds.储蓄和贷款协会是抵押贷款资金的主要来源F 7. Insurance companies are a major source of loans to individuals.保险公司是个人贷款的主要来源T 8. Money market mutual funds invest in short-term securities like U.S. Treasury bills.货币市场共同基金投资于如美国国库券的短期证券F 9. An increase in interest rates
4、 tends to reduce the earnings of money market mutual funds.在利率上升往往会降低货币市场共同基金的收益T 10. A pension plan that invests in the stock of IBM or Verizon does not perform the function of a financial intermediary.投资于IBM或Verizon公司的股票的退休金计划不执行金融中介的功能F 11. Investments in money market mutual funds are insured up
5、to $100,000 by the federal government.在货币市场共同基金投资是投保高达10万美元的联邦政府T 12. A financial intermediary creates claims on itself, when it accepts depositors funds.金融中介机构建立自身债权，当它接受存款人的资金F 13. If a firm issues securities that are sold to a commercial bank, individuals savings are directly transferred to the f
6、irm.。如果一家公司发出的出售给商业银行证券，个人储蓄会直接传送到该公司F 14. M-2 excludes checking accounts in savings banks.M-2不包括检查储蓄银行账户a 1. Which of the following is not a financial intermediary?下列哪项不属于金融中介？ a. New York Stock Exchange纽约证券交易所 b. Washington Savings and Loan华盛顿储蓄和贷款 c. First National City Bank第一国民城市银行 d. Merchants
7、Savings Bank招商储蓄银行c 2. Which of the following assets are the most liquid?下列哪些资产是流动性最强？ a. money and antiques钱和古董 b. bonds and real estate债券和房地产 c. savings accounts and checking accounts储蓄账户和支票账户 d. stocks and bonds股票和债券a 3. M1 includes coins, currency, and .M1，包括硬币，货币，和。 a. demand deposits活期存款 b. sa
8、vings accounts储蓄账户 c. certificates of deposit存款证 d. time deposits定期存款b 4. The power to create money is given by the Constitution to创造货币的权力是宪法赋予 a. state governments州政府 b. Congress国会 c. the Federal Reserve美联储 d. commercial banks商业银行a 5. The assets of a typical commercial bank include一个典型的商业银行的资产包括 a.
9、 commercial loans商业贷款 b. demand deposits活期存款 c. common stock普通股 d. equity公平a 6. Federally insured investments include联邦保险投资包括 a. savings accounts in national commercial banks在全国性商业银行储蓄账户 b. certificates of deposit in excess of $100,000存款超过10万美元的股票 c. life insurance policies寿险保单 d. commercial bank as
10、sets商业银行的资产b 7. The primary assets of life insurance companies include寿险公司的主要资产包括 a. life insurance人寿保险 b. corporate securities公司证券 c. municipal securities市政证券 d. insurance policies保险a 8. A pension plan that grants mortgage loans授予按揭贷款的退休金计划 a. is an example of a financial intermediary是一种金融中介的一个例子 b
11、. cannot suffer losses不能吃亏 c. is called a savings and loan association被称为储蓄和贷款协会 d. is not a financial intermediary是不是一个金融中介机构c 9. Money market mutual funds invest in货币市场共同基金投资于 a. corporate bonds企业债券 b. corporate stock公司股票 c. federal government Treasury bills联邦政府国库券 d. federal government Treasury b
12、onds联邦政府国债b 10. A financial intermediary transfers金融中介转让 a. savings to households储蓄户 b. savings to borrowers节约借款人 c. stocks to brokers股票经纪 d. new stock issues to buyers新股发行给买家a 11. M2 includes M2包括 1. demand deposits活期存款 2. savings accounts储蓄账户 3. negotiable certificates of deposit可转让存款证 a. 1 and 2 b 12. An investment bank is not a financial intermediary because投资银行是不是一个金融中介，因为 a. it does not transfer money from investors to firms它不会从投资者转移资金到企业 b. it does not create claims on itself它不创造自身债权 c. it does facilitate the transfer of funds它确实有利于资金的转移 d. it creates claims on itself它创建自己索赔专心-专注-专业