《商业银行经营学》(复习提纲)习题.pdf

1、 Fill in the Blank Questions (1 point for each) (1) _______________________ is a newer service provided by banks where the bank lends money to individuals for the purchase of durable and other goods. (2) The loosening of government regulation and control of financial institutions is called ______ . (3) A bank which now offers all of the available financial services is known as a __________bank. (4) A(n) buys and sells securities on behalf of their customers and for their own accounts. Examples of this type of financial service provider include Merrill Lynch and Charles Schwab. (5) One tool that the Federal Reserve uses to control the money supply is ___________. The Federal Reserve will buy and sell T-bills when they are using this tool of monetary policy. The federal bank regulatory agency which examines the most banks is the ______________. (6) The short term securities of the bank, including T-Bills and commercial paper, are often called __________________________ because they are the second line of defense to meet demands for cash. Answer: (7) A(n)__________________________ is a deposit account which pays an interest rate competitive with money market mutual funds and which generally has limited check writing ability. __________________________ can be held by individuals and nonprofit institutions, bear interest and permit drafts from being written against the account to pay third parties. (8) The equity multiplier for a bank measures the amount of _____________________ of the bank and is one part of the evaluation of the banks ROE. (9) __________________________ is the risk that the financial institution may not be able to meet the needs of depositors for cash. (10) A traditional measure of earnings efficiency is the __________