貨幣金融學知到智慧樹章節(jié)測試課后答案2024年秋廣東外語外貿(mào)大學

貨幣金融學知到智慧樹章節(jié)測試課后答案2024年秋廣東外語外貿(mào)大學第一章單元測試

Thenatureoffinanceiscapitalfinancing,orfundcirculating,thatis,transferringfundsfromcapitalproviderstocapitaldemanders.()

A:True

B:False

答案:True

Banksaretheonlyimportantfinancialinstitutions.()

A:False

B:True

答案:False

Financialmarketscanpromoteeconomicefficiency,butcannotimprovethewell-beingofconsumers.()

A:True

B:False

答案:False

Whenbusinessesgolookingforfundstofinancetheiractivities,theyusuallyobtainthemdirectlyfromsecuritiesmarketsandnotindirectlythroughfinancialintermediaries.()

A:True

B:False

答案:False

Financialmarketspromotegreatereconomicefficiencybychannelingfundsfrom________to________.()

A:borrowers;savers

B:investors;savers

C:savers;borrowers

D:savers;lenders

答案:savers;borrowers

Financialinstitutionsthatacceptdepositsandmakeloansarecalled___.()

A:exchanges.

B:banks.

C:mutualfunds.

D:financecompanies.

答案:banks.

China'sfinancialsystemis___financialsystem.()

A:indirect-financing-oriented

B:bank-oriented

C:direct-financing-oriented

D:market-oriented

答案:bank-oriented

WhichofthefollowingstatementsareTRUE?()

A:indirectfinancecanalleviateasymmetricinformation.

B:directfinancecanreducetransactioncosts.

C:indirectfinancecanreducetransactioncosts.

D:directfinancecanalleviateasymmetricinformation.

答案:indirectfinancecanalleviateasymmetricinformation.

；indirectfinancecanreducetransactioncosts.

GovernmentregulationstoreducethepossibilityoffinancialpanicincludeallofthefollowingEXCEPT___.()

A:transactionscosts.

B:restrictionsonassetsandactivities.

C:economiesofscope.

D:disclosure.

答案:transactionscosts.

；economiesofscope.

Whichofthefollowingarecontractualsavingsinstitutions?()

A:financecompany

B:pensionfund

C:mutualfunds

D:lifeinsurancecompany

答案:pensionfund

；mutualfunds

；lifeinsurancecompany

第二章單元測試

Underthebartersystem,theprimaryshortcomingwasthedoublecoincidenceofwantscouldnotmatch.()

A:True

B:False

答案:True

Moneymeanscurrency.()

A:True

B:False

答案:False

Moneyisjustonetypeofwealth.()

A:False

B:True

答案:True

ThecalculationsofM0,M1,M2aresameinUSAandinChina.()

A:False

B:True

答案:False

Whenthepricelevelisincreasingrapidly,moneylosesvaluerapidly,andpeoplebecomemorereluctanttoholdtheirwealthinthisform.()

A:False

B:True

答案:True

Thefirstformofe-moneywasthedebitcard.()

A:False

B:True

答案:True

Whichofthefollowingsarecurrencyexcept:（）

A:Papercash.

B:Check.C:Coins.

答案:Check.Whichassetisthemostliquidassetofallbecauseitisthemediumofexchange;itdoesnothavetobeconvertedintoanythingelsetomakepurchases.（）

A:BondB:House

C:StockD:Money

答案:MoneyWhetherintheformofshells,rocks,goldorpaper,moneyhasthreeprimaryfunctionsinanyeconomy:（）

A:Asaunitofaccount

B:Asastoreofvalue.

C:Asamediumofexchange,

答案:Asaunitofaccount

；Asastoreofvalue.

；Asamediumofexchange,

Papercurrencyandcoinsareeasilystolenandcanbeexpensivetotransportinlargeamountsbecauseoftheirbulk.Tocombatthisproblem,inmodernbankingsystem,whatinventionsarecreated:（）

A:Debitcard,creditcardB:CheckC:E-money

D:Bankaccount

答案:Debitcard,creditcard；Check；E-money

；Bankaccount

第三章單元測試

Inthecaseofasimpleloanlikethisone,theinterestpaymentdividedbytheamountoftheloanisanaturalandsensiblewaytomeasuretheinterestrate.（）

A:False

B:True

答案:True

Acouponbondpaystheownerofthebondafixedinterestpayment(couponpayment)everyyearuntilthematuritydate,whenaspecifiedfinalamount(facevalueorparvalue)isrepaid.（）

A:False

B:True

答案:True

Yieldtomaturityistheinterestratethatequatesthepresentvalueofcashflowpaymentsreceivedfromadebtinstrumentwithitsvaluetoday.（）

A:False

B:True

答案:True

Theconceptofpresentvalue(orpresentdiscountedvalue)isbasedonthecommonsensenotionthatoneYuanpaidtoyouoneyearfromnowismorevaluablethanoneYuanpaidtoyoutoday.（）

A:False

B:True

答案:False

Withafixed-paymentbond,thereturnonthebondisequaltotherateofcapitalgain.（）

A:False

B:True

答案:False

Adiscountbond().

A:itsfacevalueisrepaidatthematuritydate.

B:isalsocalledazero-couponbond.

C:isboughtatapricebelowitsfacevalue

D:isalsocalledsimplepaymentbond.

答案:itsfacevalueisrepaidatthematuritydate.

；isalsocalledazero-couponbond.

；isboughtatapricebelowitsfacevalue

第四章單元測試

Operatingasintermediariesbytransferringfundsfromsaverstoborrowersisaparticularroleofbanks.（）

A:False

B:True

答案:True

Unusedloancommitmentsaretypicallyrecordedintheassetsideofabank’sbalancesheet.（）

A:True

B:False

答案:False

ChinaDevelopmentbankisoneofthelargestcommercialbanksinChina.（）

A:False

B:True

答案:False

Gapanalysisshouldbeconductedonacontinuingbasis.（）

A:False

B:True

答案:True

Inthebalancesheetofabank,whichofthefollowingassetsisthemostilliquid?（）

A:Vaultcash；

B:Treasurybills；

C:Commercialandindustrialloans；

D:Municipalbonds

答案:Commercialandindustrialloans；

Thesecondaryreservereferstothesecuritiesthatcanbeeasilyconvertedtocashtomeetunanticipatedobligations,whichinthefollowingcanbeclassifiedassecondaryreserve（）

A:Federalfundssold；

B:Mortgage-backedsecurities

C:Agencysecurities；

D:Short-termgovernmentsecurities；

答案:Short-termgovernmentsecurities；

Iftheamountofinterest-sensitiveassetsislessthanthatofinterest-sensitiveliabilitieswithinabank,whatwillhappenwhentheinterestrateincreases?（）

A:Thegapisenlarged；

B:Thegapisnarrowed;

C:Thenetinterestincomewillshrink；

D:Thenetinterestincomewillincrease；

答案:Thenetinterestincomewillshrink；

Whichstatementinthefollowingiscorrect?（）

A:Thereisnoriskembeddedintheoff-balancesheetactivities；

B:Realestateloansarenormallyissuedalongwithrealpropertiesascollaterals；

C:Acertificateofdepositisclassifiedasnon-transactionaccount;

D:Whendepositoutflowoccurs,bankswillprioritizethesaleofloanstomeettheliquiditydemand；

答案:Realestateloansarenormallyissuedalongwithrealpropertiesascollaterals；

Non-transactiondepositsconsistof（）

A:Certificateofdeposits；

B:Moneymarketdepositaccount；

C:Demanddeposits

D:Savingsaccounts；

答案:Certificateofdeposits；

；Moneymarketdepositaccount；

；Savingsaccounts；

Inadditiontothemodificationofcapitalrequirements,thenewestBaselAccordalsoemphasizesregulatoryrequirementsforliquidity,whichinclude（）

A:NetStableFundingRatio

B:CapitalConservationBuffer

C:LeverageRatio

D:LiquidityCoverageRatio;

答案:NetStableFundingRatio

；LiquidityCoverageRatio;

第五章單元測試

Financialmarketscandirectlyimprovethewell-beingofconsumers.（）

A:True

B:False

答案:True

Thehomemortgageiskindofequitysecurity（）

A:True

B:False

答案:False

Financialmarketscantransferfundsfromlenderstoborrowersthrougheitherdirectorfinanceandindirectfinance.（）

A:True

B:False

答案:True

Financialmarketsareessentialtoproduceanefficientallocationofcapital.（）

A:False

B:True

答案:True

Indirectfinance,borrowersneedtosellsecuritiestolenderstogetfunds.（）

A:False

B:True

答案:True

Inindirectfinance,afinancialintermediaryborrowsfundsfromlendersandthenusesthesefundstomakeloanstoborrowers.（）

A:False

B:True

答案:True

Infinance,securitymeanthefreedomfromdangerorrisk.（）

A:False

B:True

答案:False

Literally,securitiesareclaimsontheborrower’sfutureincomeorassets.（）

A:False

B:True

答案:False

Howdofinancialmarketsthewell-beingofconsumers?（）

A:Financialmarketsallowconsumerstobuystockwithlowerprice

B:Financialmarketsallowfirmstofinancetheirinvestmentthroughissuingequity

C:Financialmarketsallowconsumertotimetheirpurchasesbetter

D:Financialmarketsallowfirmstoborrowmoneyfrominvestors

答案:Financialmarketsallowconsumertotimetheirpurchasesbetter

Whichofthefollowingdescriptionsisforthedebtfinancing?（）

A:Thefinancingcostofdebtishigherthanthefinancingcostofequity

B:Firmsneedtomakedividendpaymenttotheirdebtholders

C:Firmscandecidetheinterestpaymentthattheymaketotheirdebtholdersineachperiod

D:Firmsneedtopaytheirdebtholdersprincipalwhendebtsaredue

答案:Firmsneedtopaytheirdebtholdersprincipalwhendebtsaredue

第六章單元測試

TheoldestcentralbankintheworldistheBankofEngland()

A:True

B:False

答案:False

Itsprimaryfunctionistoprovidethenation'smoneysupply.()

A:True

B:False

答案:True

Asthe“banker’sbank,”thecentralbankprovidesservicestofinancialinstitutionsinmuchthesamewaycommercialbanksservetheircustomers.()

A:False

B:True

答案:True

Byaffectingtheloansanddiscountrate,thecentralbankcanachievethemacroeconomicgoals.()

A:True

B:False

答案:True

CentralbanksserveasbanksforthegovernmentbymaintainingaccountsandprovidingservicesfortheTreasury.()

A:False

B:True

答案:True

Centralbanksareinherentlymarket-basedorcompetitiveinstitutions.()

A:True

B:False

答案:False

Privatecommercialbanksareonlypermittedtoissuedemandliabilities,suchascheckingdeposits,whilecentralbankissuesbanknotesandcash.()

A:True

B:False

答案:True

Centralbankalsodrivestheefficiencyandtechnologicaldevelopmentofthepaymentssystem.()

A:True

B:False

答案:True

Centralbankmayalsohavesupervisorypowerstoensurethatbanksandotherfinancialinstitutionsdonotbehaverecklesslyorfraudulently.()

A:False

B:True

答案:True

Althoughtheirresponsibilitiesvaryfromcountrytocountry,centralbanks'duties(andthejustificationfortheirexistence)usuallyfallintothreeareas:（）

A:Managecheckingdepositsforindividuals

B:controlandmanipulatethenationalmoneysupply

C:regulatememberbanksthroughcapitalrequirements,reserverequirements,anddepositguarantees,amongothertools

D:actsasanemergencylendertodistressedcommercialbanksandotherinstitutions,andsometimesevenagovernment

答案:controlandmanipulatethenationalmoneysupply

；regulatememberbanksthroughcapitalrequirements,reserverequirements,anddepositguarantees,amongothertools

；actsasanemergencylendertodistressedcommercialbanksandotherinstitutions,andsometimesevenagovernment

第七章單元測試

MonetaryBase(alsocalledhigh-poweredmoney),whichisdirectlycontrolledbycentralbank.()

A:True

B:False

答案:True

Thecentralbankcontrolsmonetarybaseonlybycreatingmorecurrency.()

A:True

B:False

答案:False

ThemonetarybaseMBcanbeexpressedasMB=currencyincirculationC+thetotalreservesinbankingsystemR.()

A:True

B:False

答案:True

Theprimarywayinwhichthecentralbankcauseschangesinthemonetarybaseisthroughitsopenmarketoperations.()

A:False

B:True

答案:True

From1948tillnow,Chinesegovernmenthasissued5setsofcurrencies.()

A:False

B:True

答案:True

Asaleofbondsorsecurities,bythecentralbankwillcauseanexpansionofreservesinthebankingsystem,andthereforewillincreasetheMB.()

A:True

B:False

答案:False

Ashiftfromdepositstocurrencywillaffectthereservesinthebankingsystem.However,suchashiftwillhavegreateffectonthemonetarybase.()

A:False

B:True

答案:False

Themoneymultiplier,denotedbym,whichtellsushowmuchthemoneysupplychangesforagivenchangeinthemonetarybase.()

A:False

B:True

答案:True

Themonetarybaseisalsoaffectedwhenthecentralbankmakesaloantoafinancialinstitution.()

A:True

B:False

答案:True

ThetotalreservesRcanbedividedinto:（）

A:requiredreserves

B:twocategories

C:excessreserves

答案:requiredreserves

；twocategories

；excessreserves

第八章單元測試

Themoneymarketinterestrateisthelong-terminterestratedeterminedbyinterbankborrowingonreserves.（）

A:False

B:True

答案:False

Requiredreservesarethereservesrequiredbythecentralbank.（）

A:True

B:False

答案:True

Excessreservesaretheadditionalreservesbankschoosetohold.（）

A:False

B:True

答案:True

Thecentralbankspayinterestonexcessreservesatalevelthatistypicallysetatafixedamountbelowthemoneymarketinterestratetarget.（）

A:True

B:False

答案:True

Openmarketoperationsarethemostimportantconventionalmonetarypolicytool.（）

A:True

B:False

答案:True

Openmarketpurchasesshrinkreservesandthemonetarybase.（）

A:False

B:True

答案:False

Openmarketsalesexpandreservesandthemonetarybase.（）

A:False

B:True

答案:False

Whatarethemonetarypolicytoolsforthecentralbank?（）

A:Reserverequirements

B:Openmarketoperations

C:Assetpurchases

D:Discountlending

答案:Reserverequirements

；Openmarketoperations

；Discountlending

Whatarethemonetarypolicytoolsforthecentralbank?（）

A:Assetpurchases

B:Openmarketoperations

C:Commitmenttofuturemonetarypolicyactions

D:Liquidityprovision

答案:Assetpurchases

；Commitmenttofuturemonetarypolicyactions

；Liquidityprovision

Whichofthefollowingdescriptionsarefortheobjectivesofthemonetarypolicyofthecentralbank?（）

A:Lowinterestrate

B:Highemploymentandoutputstability

C:Pricestability

D:Stabilityoffinancialmarkets

答案:Highemploymentandoutputstability

；Pricestability

第九章單元測試

Inthequantitytheoryofmoney,thevelocityofmoneyisalwaysdirectlyobservableinthemarketplace.（）

A:True

B:False

答案:False

Theminimumholdingcostofmoneytendstobehigheriftheopportunitycostdecreases.（）

A:False

B:True

答案:False

ThesecondstageofmonetarypolicyinChinaistheperiodofdirectcontrolandmanagementoftotalcreditsupply.（）

A:True

B:False

答案:True

Asthepaymenttechnologybecomesmoreadvanced,thedemandformoneywillbehigher.（）

A:True

B:False

答案:False

WhichofthefollowingstatementsiscorrectintheKeynesianDemandFunctionofMoney?（）

A:Therealincomeistypicallypositivelyassociatedwiththedemandformoney；

B:Whenaneconomyisintheliquiditytrap,monetarypolicyisstillvalid；

C:Thevelocityofmoneywillremainconstant；

D:Thedemandformoneywillbeboostedupwheninterestrateincreases；

答案:Therealincomeistypicallypositivelyassociatedwiththedemandformoney；

Thechannelsthroughwhichmonetarypolicyaffectseconomicactivitiesarecalledthe（）

A:allocationmechanismsofmonetarypolicy；

B:flowmechanismsofmonetarypolicy；

C:transmissionmechanismsofmonetarypolicy；

D:distributionmechanismsofmonetarypolicy；

答案:transmissionmechanismsofmonetarypolicy；

Intheassetpricechannel,lowerrealinterestratewilldriveupthebondprices,whichincontrastmakesthestockmoreattractiveforinvestors,thentheTobin’sQwillbe（）

A:decreasing；

B:indefinite

C:increasing；

D:remainingunchanged；

答案:increasing；

Whatwillbethedeterminingfactorsofmoneydemandaccordingtotheportfoliotheoryofmoneydemand?（）

A:Interestrate；

B:liquidityofotherassets;

C:Wealth；

D:Income；

答案:Interestrate；

；liquidityofotherassets;

；Wealth；

；Income；

AccordingtotheKeynesianDemandFunctionofMoney,themotiveswhichdeterminethedemandforliquidityinclude（）

A:speculativemotive

B:investmentmotive；

C:precautionarymotive；

D:transactionsmotive；

答案:speculativemotive

；precautionarymotive；

；transactionsmotive；

Since1998Chinahassteppedintothethirdstageofmonetarypolicy,accordingtothereformprocedures,thecorrectstatementsinthefollowingare（）

A:market-orientedreformshavebeenundertaken

B:centralizedallocationofcreditwasconducted

C:indirectmanagementofcreditprovisionwasimplemented

D:transitionfromquantitativemanagementtoprice-basedmanagementwasemphasized

答案:market-orientedreformshavebeenundertaken

；indirectmanagementofcreditprovisionwasimplemented

；transitionfromquantitativemanagementtoprice-basedmanagementwasemphasized

第十章單元測試

TheBOPistherecordoftheeconomicandfinancialflowsthattakeplaceoveraspecifiedtimeperiodbetweennon-residentsandnon-residentsofagivencountry.（）

A:False

B:True

答案:False

Convertibilityisthemostimportantcharacteristicoftheforeignexchange.（）

A:True

B:False

答案:True

Internationalexchangeresultsfromthecreditor'srightrelationshipcausedbyimportandexporttrade.（）

A:True

B:False

答案:True

Directquoteistheamountofforeigncurrencyperunitofdomesticcurrency.（）

A:False

B:True

答案:False

Thespotexchangemarketisamarketthatdealsinforeignexchangeforimmediatedelivery.Immediatedeliveryinforeigncurrenciesusuallymeanswithintwobusinessdays.（）

A:True

B:False

答案:True

Withotherconditionsunchanged,therelationshipbetweenforwardexchangerateandinterestrateis().

A:Theforwardexchangerateofthecurrencywithlowinterestrateswilldepreciateinthefuture.

B:Theforwardexchangerateofthecurrencywithhighinterestratewillappreciateinthefuture.

C:Theforwardexchangerateofthecurrencywithhighinterestrateswilldepreciateinthefuture.

D:Theforwardexchangerateofthecurrencywithlowinterestrateswillappreciateinthefuture.

答案:Theforwardexchangerateofthecurrencywithhighinterestrateswilldepreciateinthefuture.

；Theforwardexchangerateofthecurrencywithlowinterestrateswillappreciateinthefuture.

Whichofthefollowinginterveningwaysofthecentralbankintheforeignexchangemarketareconsideredas‘indirectintervention’?（）

A:Anticipatory

B:Sterilizedintervention

C:Moneysupply

D:Interestrate

答案:Anticipatory

；Moneysupply

；Interestrate

AsforChina,China’scapitalinflowswillcreatea__________foreigncurrencyanda__________CNY.()

A:Supplyof;shortageof

B:Supplyof;demandof

C:Demandfor;supplyof

D:Shortageof;demandof

答案:Demandfor;supplyof

Whichofthefollowingtransactionsisrecordedinthefinancialaccount?()

A:FordmotorcompanybuildsanewplantinChina.

B:AU.S.touristspendsmoneyonatriptoChina.

C:AChinesebusinessmaninvest10milliondollarsofequipmentintheU.S.tosetupajointventure.

D:TheNewYorkYankeesarepaid$10millionbytheChinesetoplayanexhibitiongameinBeijing,China.

答案:AChinesebusinessmaninvest10milliondollarsofequipmentintheU.S.tosetupajointventure.

AbankhasquotedaspotexchangerateofUSD/CHF1.6030-1.6040anda3-monthforwardspreadof120-130,thentheforwardexchangerateis().

A:1.4740-1.4830

B:1.5910-1.6910

C:1.6150-1.6170

D:1.7230-1.7340

答案:1.6150-1.6170

第十一章單元測試

China'sfinancialserviceisfullyopenedsinceApril1,2020（）

A:True

B:False

答案:True

QDIIprogramstartedin2004.（）

A:True

B:False

答案:False

“FourtrillionRMB”stimuluspackageledtoasurgeininvestmentdemand,whichisthemainreasonforChinatorelaxcapitalinflow.（）

A:True

B:False

答案:True

China’sChinn-Itoindexhasremainedunchangedsince1993.()

A:True

B:False

答案:True

Chinaismoreopenthanadvancedeconomies.()

A:False

B:True

答案:False

Capitalaccountopening-upmayserveasacommitmentdevicetofinancialreforms.()

A:False

B:True

答案:True

GreatercapitalaccountconvertibilitywillhelpRMBexpand.()

A:False

B:True

答案:False

WhichofthefollowingarethereasonsforChina'smassivecapitaloutflowin2014-2016?（）

A:theShanghai-HongKongStockConnect

B:theShenzhen-HongKongStockConnect

C:expandedtheexistingQFII,QDIIandRQFIIprograms

D:“BeltandRoad”

答案:theShanghai-HongKongStockConnect

；theShenzhen-HongKongStockConnect

；expandedtheexistingQFII,QDIIandRQFIIprograms

；“BeltandRoad”

WhataretheshortcomingsofChina'sfinancialmarket（）

A:financialinstitutionshavelimitedforeigncompetition

B:lenienttoexcessiveleveragingandrisk-taking

C:financialinstitutionshavelimitedincentivestoimproveproductsandservices

D:financiallawsandregulationsaremorelikelytobetwisted

答案:financialinstitutionshavelimitedforeigncompetition

；lenienttoexcessiveleveragingandrisk-taking

；financialinstitutionshavelimitedincentivestoimproveproductsandservices

；financiallawsandregulationsaremorelikelytobetwisted

WhendidChinaunveiltheShanghai-LondonStockConnectinmid-2019：（）

A:2021

B:2018

C:2019

D:2020

答案:2019

WhendidChinareformtheRMB-dollarcentralparitytomorecloselyalignwithprevioustradingday’sclosingprice?()

A:August11,2015

B:August12,2015

C:August12,2016

D:August11,2016

答案:August11,2015

第十二章單元測試

Creditboommayhappenwhenfinancialinnovationorfinancialliberalizationhappens.()

A:False

B:True

答案:True

Thethirdphaseoffinancialcrisesisdebtdeflation,anditalwaysoccurs.()

A:False

B:True

答案:False

Theimpactofthefinancialcrisiswasnotevidentintheglobaleconomic.()

A:False

B:True

答案:False

Integratedregulationcaneffectiv