bank management试题库及答案 银行管理之五.docVIP

第 PAGE 1页，共 NUMPAGES 2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。你需要回答下列全部四个问题。每题10分，共40分）。Explain and compare the concepts of Fee-based Business and Off-Balance-Sheet Items. And explain the specific 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。）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。）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。）What 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. 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。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）。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之间的关系。）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？）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。）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。）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？分别说明其定义。）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