《商业银行经营学》(复习提纲).doc

《商业银行经营学》（复习提纲） Fill in the Blank Questions ________is a newer service provided by banks where the bank lends money to individuals for the purchase of durable and other goods. A bank which now offers all of the available financial services is known as a __________bank. 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. __________ can be held by individuals and nonprofit institutions, bear interest and permit drafts from being written against the account to pay third parties. A(n)__________ allows the holder the right to either sell securities to another investor (put) or buy securities from another investor (call) for a set price before the expiration date. A(n) _____________is a contingent claim of the bank that issues it. The issuing bank, in return for a fee, guarantees the repayment of a loan received by its customer or the fulfillment of a contract made by its customer to a third party. Debt instruments issued by cities, states and other political entities and which are exempt from federal taxes are collectively known as _______________. The _____________is the total difference between its sources and uses of funds. When a customer is charged based on the number and kinds of services used, with the customers that use a number of services being charged less or having some fees waived, this is called _____________pricing. Core capital such as common stock, surplus, undivided profits, qualifying noncumulative preferred stock, etc. is referred to as _____________ capital as defined by the Basel agreement. True/False Questions The role performed by banks in the economy in which they transform savings into credit is known as the intermediation role( ). In the United States, fixed fees charged for deposit insurance, regardless of how risky a bank is, led to a problem known as moral hazard( ). A banks ROA equals its ROE times the ratio