商业银行业务与经营考试试卷（Examination papers for business and business in commercial banks）.docVIP

商业银行业务与经营考试试卷（Examination papers for business and business in commercial banks） Examination papers for business and business in commercial banks Column: examination paper 2009-5-14 12:46:27 First, the noun interpretation (4 points per subject, 20 points) 1. volatile deposits 2. IRB 3. International Factoring 4. interest rates double limit 5. compensation balance Two, determine the title (on the tick, wrong is designated x, each of 2 points, a total of 20 points) 1. a balance sheet is a financial statement of all assets, liabilities and owners equity of an aggregate bank at a given period of time, and is a dynamic accounting statement. () 2. mortgage rate is low, indicating that banks are more cautious about loans, the contrary is more relaxed. () 3., the liquidity demand of commercial banks comes from the demand of deposit customers. () 4. the assets of commercial banks refer to the funds owned by or owned by commercial banks. () 5., the paperless operation reduces the difficulty of banking supervision under the trend of electronization. () The 6. Z scoring model does not measure credit risk outside the customers financial statements. () 7. the calculation of the reserve fund is mainly applicable to the calculation of the reserve account for non trading accounts. () 8. cost plus loan pricing is based on the preferential interest rates agreed by several major banks, taking into account default risk compensation and term risk compensation, and then developing loan interest rates. () 9., the Basel agreement requires that the minimum core capital adequacy limit of commercial banks be 8% of risky assets. () 10. special reserve funds is based on the loan classification result according to the ratio of the reserve. () Three, Jane answer (12 points per game, a total of 36 points) 1., what are the motives of commercial bank mergers and acquisitions? What are the characteristics of Chinas banking mergers and acquisitions? 2. what are the main ways of credit support for loan e