bank management试题库及答案 试卷库之三.docVIP

《商业银行经营学》共 NUMPAGES 3页，其中其中第4页至7页为答题纸，第8页为草稿纸（草稿纸不可撕下）第 PAGE 3页，共 NUMPAGES 3页第 PAGE 1页，共 NUMPAGES 3页对外经济贸易大学《银行管理学》试卷库之三第一部分：必答题。合计40分。以下数据是三家银行2003年12月31日的资产负债表数据和2003年度的损益表数据，这三家银行分别是中国工商银行（ICBC）、美国富国银行（WF）、美国社区国民银行（CNB）。根据这些数据回答下列全部问题。Part I. Required questions: You are required to answer all of the following questions. The following are the balance sheet data (on Dec. 31, 2003) and income statement data (fore the year of 2003) for one Chinese Bank (Industrial and Commercial Bank of China, ICBC) and two American banks (Wells Fargo, WF, and Community National Bank, CNB). （1）请根据下表数据计算三家银行的资产利润率和资本利润率（请注明公式）。4分。Please calculate ROA and ROE for three banks using the above data.（2）请根据下表数据计算中国工商银行（ICBC）的如下比率（请注明公式）。6分。Please calculate the following ratios for ICBC using the above data.股权乘数Equity Multiplier费用比率Expense Ratio资产利用比率Asset Utilization Ratio利差Spread负担比率Burden Ratio效率比率Efficiency Ratio（3）以中国工商银行的上述数据为例，说明如下比率之间的关系，用上述结论加以验证，并说明运用这种关系进行分析的作用。6分。Using ICBC as an example, explain the relationship among the following ratios and use the above results to prove it. Then explain how we can use such relationship in analysis.资产利润率Return on Assets (ROA)资本利润率Return on Equity (ROE)股权乘数Equity Multiplier费用比率Expense Ratio资产利用比率Asset Utilization Ratio（4）比较ICBC与WF的资产负债结构数据，找出三项主要差别，分析其影响、主要形成原因及ICBC（或相关单位）可以采取的相应对策。8分。Compare the balance sheet structure of ICBC and WF, and find three major differences. Explain their impact, reasons and counter measures ICBC and other related parties might take.（5）比较ICBC与WF的损益结构数据，找出一项主要差别，分析其影响、主要形成原因及ICBC（或相关单位）可以采取的相应对策。6分。Compare the income statement structure of ICBC and WF, and find one major difference. Explain its impact, reasons and counter measures ICBC and other related parties might take.（6）比较WF与CNB的资产负债结构数据，找出两项主要差别，分析其影响和主要形成原因。6分。Compare the balance sheet structure of WF and CNB, and find two major differences. Explain their impact and reasons.（7）比较WF与CNB的损益结构数据，找出一项主要差别，分析其影响和主要形成原因。4分。Compare the income statement structure of WF