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三、练习题及参考答案
1．将下面的词语译成英语
(1)存款保险基金 (2)垄断 (3)宏观经济政策 (4)启动成本
(5)间接投资 (6)偿付前景 (7)风险权重 (8)市场纪律
(9)资产集中 (10)信用延期 (11)或有债务 (12)可疑的放款
(13)收入 (14)贷款损失储备金(15)流动比率 (16)质弱银行
(17)并购 (18)保险费率
2．将下面的句子泽成汉语
(1) Branches of the Peoples Bank of China stopped direct lending to local financial institutions and refinancing was made only to the head offices of commercial banks by the Peoples Bank of China.
(2) Should any of the aforesaid acts result in a loss, the person directly in charge and other persons held direct responsibility shall bear part of or all the liabilities for compensation.
(3) China Banking Regulatory Commission shall, in accordance with law, exercise supervision over financial institutions and their business operations to maintain the legitimate, stable and sound operation of the financial industry.
(4) Before extending a loan, a commercial bank shall conduct strict examination of its purpose, the capability of the borrower and form of repayment as well as other relevant matters.
(5) A commercial bank shall not engage in trust investment of stock business, or invest in real estate not for its own use.
(6) Sound and effective regulation and, in turn, the confidence it brings is important for the integrity and development of the markets.
3. 根据课文内容判断句子正误
(1) The banking organizations are not so highly geared as the industrial companies.
(2) The limit on the deposit insurance coverage also serves to maximize moral hazard on the part of the depositors.
(3) Bank charter is usually granted by the central bank or a separate supervisory body of a country.
(4) Banking, by its nature, entails taking a wide array of risks.
(5) The most important types of operational risk involve breakdowns in external controls or corporate governance.
(6) Reputation risk is particularly damaging for banks since the nature of their business requires maintaining the confidence of de
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