bankmanagement试题库及答案银行管理之五

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1、第 1 页,共 6 页对外经济贸易大学 银行管理学试卷库之五Part I. Required questions: You are required to answer all of the following four questions. 10 for each, 40 in total.(第一部分:必答题第一部分:必答题。你需要回答下列全部四个问题。每题 10 分,共 40 分) 。1.Explain and compare the concepts of Fee-based Business and Off-Balance-Sheet Items. And explain the sp

2、ecific types of business included in each category.(试说明并比较中 间业务与表外业务的概念,同时说明这两类业务具体都包括哪些业务。 ) 2.Explain the five Cs of good credit and five Cs of bad credit.(分别说明好贷款的 5C 和 坏贷款的 5C。 ) 3.Compare the credit analysis of commercial loan requests and consumer loan requests.(简要比较商业贷款申请的评估与消费者贷款申请的评估。 ) 4.W

3、hat is the topic of your extracurricular research for this semester? What is your main viewpoint? Explain the main reasons supporting your viewpoint.(你本学期课外专题研 究的题目是什么?你的主要观点是什么?简要说明你所持观点的理由。 )Part II. Selective questions: You are required to select three questions from the following six questions.

4、If more than 3 questions are answered, the ones with the highest scores will be counted. 10 for each, 30 in total. (第二部分:选答题第二部分:选答题。你需要从以下六个问题中任选三 个作答。答题数量超过三个的,按得分最高的三个计分。每题 10 分,共 30 分) 。1.Please explain the relationship between the three basic principles in commercial banking. (说明商业银行经营管理过程中三性原则

5、之间的关系。 ) 2.What are the main factors influencing the change of deposits in commercial banks?(影 响商业银行存款数量变动的因素主要有哪些?) 3.From the perspective of an enterprise, which of the two external capital source borrowing and issuing stocks is better under a perfect market economic system? (试 从企业的角度来比较贷款与股票这两种外部

6、融资方式,说明在完善的市场经济体制 下,那种融资方式更优。 ) 4.Briefly describe the bank risk management process. Explain the main measures of managing risks. (简述商业银行风险管理的过程,并说明风险处理的主要方法。 ) 5.What is risk classification of loans? What are the five classes currently in use in China? Explain each class. (什么是贷款风险分类?我国目前分为哪五类?分别说明其

7、定 义。 ) 6.What is a interest rate sensitive gap? How does a bank use interest rate sensitive gap strategy? (什么是利率敏感性缺口?商业银行在经营管理过程中如何运用利率敏 感性缺口战略?)Part III. Selective questions: You are required to select three questions from the following six questions. If more than 3 questions are answered, the one

8、s with the highest scores will be 第 2 页,共 6 页counted. 10 for each, 30 in total. (第三部分:选答题第三部分:选答题。你需要从以下六个问题中任选三 个作答。答题数量超过三个的,按得分最高的三个计分。每题 10 分,共 30 分) 。1.Explain the relationship between bank funding sources and banking risks.(说明银行融 资来源与银行风险之间的关系。 ) 2.What factors should we consider when we selec

9、t a liquidity source? (在选择流动性来 源时,应该考虑哪些因素?) 3.What are the effects of capital requirements on bank operating policies?(银行资本要求 对银行经营政策有什么样的影响?) 4.When evaluating loan requests, bankers can make two types of errors in judgment. What are these two errors? How to prevent them? (在评估一笔贷款的申请时,银行可能会 犯两类错误。

10、这两类错误是什么?如何防范这两类错误?) 5.What is the four-part process of evaluating a commercial loan request? Explain each step briefly. (评估一笔商业贷款申请需要进行的四个步骤是什么?简要解释每个步骤。 ) 6.Liquidating collateral is clearly a second best source of repayment. Why? (处置抵押品 显然并不是获得贷款偿还的最佳方法。为什么?)对外经济贸易大学 银行管理学试卷库之五参考答案及评分标准Part I. Re

11、quired questions: You are required to answer all of the following four questions. 10 for each, 40 in total.(第一部分:必答题。你需要回答下列全部四个问题。每题 10 分, 共 40 分) 。1.Explain and compare the concepts of Fee-based Business and Off-Balance-Sheet Items. And explain the specific types of business included in these two

12、categories.(试说明并 比较中间业务与表外业务的概念,同时说明这两类业务具体都包括哪些业务。 )所谓中间业务是指商业银行在资产业务和负债业务的基础上,不运用或较少运用 银行的资财,以中间人或代理人的身份为客户办理代理、委托、担保和信息咨询等业 务。由于商业银行在办理这些业务过程中,不直接作为信用活动的一方出现,不涉及 自己的资产与负债的运用,业务的发生一般不在资产负债表中反映,商业银行的资产、 负债总额也不受影响,所以称为中间业务。表外业务通常只包括那些虽然不在资产负债表中反映,但由于同资产业务和负债 业务关系密切,在一定条件下会转变为资产业务和负债业务而会在商业银行的资产负 债表中

13、得到反映,因此需要在表外进行记载以便对其进行反映、核算、控制和管理的 那些业务。表外业务不等于中间业务,它只是中间业务的一部分,即与信用业务有关的那部第 3 页,共 6 页分中间业务,或者说,有可能在今后形成债权债务关系的那部分中间业务。表外业务 的基本特征是不在资产负债表中反映,但在一定条件下随时可能在资产负债表中得到 反映。由此可见,狭义的通俗意义的表外业务属于中间业务,但表外业务不等于中间 业务。表外业务是中间业务中特殊的、有一定风险的业务。2.Explain the five Cs of good credit and five Cs of bad credit.(分别说明好贷款的 5

14、C 和 坏贷款的 5C。 ) Five Cs of good credit: (1) Character: honesty and trustworthiness. (2) Capital: wealth position measured by financial soundness and market standing. (3) Capacity: legal standing and managements expertise. (4) Conditions: economic environment or industry-specific factors. (5) Collater

15、al: secondary source of repayment or security in the case of default. Five Cs of bad credit: (1) Complacency: the tendency to assume; (2) Carelessness: monitor a borrowers progress and identify problems as early as possible, (3) Communication: between management and loan officers, (4) Contingencies:

16、 failure to identify downside risk; (5) Competition: follow competitors behavior rather than maintaining the banks own credit standards.3.Compare the credit analysis of commercial loan requests and consumer loan requests.(简要比较商业贷款申请的评估与消费者贷款申请的评估。 ) Analysis of consumer loans differ from that of commercial loans: When evaluating measurable aspects of requests, banks are addressing the same issues. Banks have to deal with a large number of distinct borrower

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