第一章测试1.In the United States, banks are regulated through a dual banking system; that is, both federal and state authorities have significant regulatory powers.
A:错 B:对
答案:B
2.美国金融业属于混业经营，混业监管。
A:错 B:对
答案:A
3.In the USA，OCC issues charters for new national banks.
A:对 B:错
答案:A
4.下面对中国金融业和金融监管体制说法正确的是（）
A:中国金融业属于分业经营，混业监管 B:中国目前主要金融监管机构是一行三会 C:中国金融业属于混业经营，分业监管 D:中国目前主要金融监管机构是一行两会
答案:D
5.中央银行作为金融监管的重要机构，通过制定和实施货币政策进行宏观调控，下面的货币政策工具使用中属于扩张性货币政策的是（）
A:在公开市场上出售有价证券 B:降低再贴现率 C:窗口指导 D:提高法定存款准备金率
答案:B
6.The role performed by banks in the economy in which they transform savings into credit is known as the intermediation role.
A:错 B:对
答案:B
7.Bank holding companies are allowed to own nonbank businesses as long as those businesses offer services closely related to banking.
A:错 B:对
答案:B
8.A unit branch faces the risk of variability in earnings if the surrounding economy weakens and people and businesses move away to other market areas.
A:错 B:对
答案:B
9.During the financial crisis of 2007-2009, the collapse of Lehman Brothers and the bailout of Bear Stearns reaffirmed the importance of the fundamental principle of ( ).
A:regulatory arbitrage B:superior management C:public trust and confidence in the system D:globalization E:government bailout
答案:C
10.In theory, if an interstate organization can acquire banks in states where bank earnings have a ( ) with bank earnings in those states where the interstate company is already represented, a "portfolio effect" may occur.
A:negative correlation B:zero correlation C:perfectly positive correlation D:positive covariance
答案:A
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