英语判断题

“

三大模块

”

题库

（英语判断题）

1. The capital ratios expected to be maintained by all banks are 4% for

Tier 1 and 8% for Total capital. False

2. In all G-10 countries, the minimum ratios for Tier 1 and Total capital

are 6% and 10%, respectively. False

3.

The

Basel

I

minimum

Tier

1

and

Tier

2

capital

ratios

are

each

4%.

False

4. The Basel I minimum Tier 1 ratio is 4% and the minimum Total capital

ratio is 8%. True

8. According to the corporation law, the company structure includes the

shareholders, the board of directors and the supervisory board.

（模块三电子版

）答：错

10. Huge loss of bank deposits can be considered as the internal signal of

early-warning signals of liquidity risk. (Wrong)

（错）参考来源：

（模块三

P269

）

13. Economic capital

is an economic concept that is used to describe a

bank's ability to cover the expected loss.

Answer : False

《商业银行主要业务》

P453

判断第一题

17. Low-value consumption goods a corporation has can not be used as

debt assets.

Wrong

18.

The

necessary condition

for

a

bank

to

issue

financial

bond

is core

capital adequacy ratio more than 4%.

Right

19. The bank business of bill acceptance and discount should have its real

trade background.

Right

20. The efficiency standard regarding public finance in terms of resource

replacement is the maximization the government investment return.

Wrong

21. Economic capital can be allocated to a specific transaction.

Right

22. Economic capital is the minimum amount of money an institution can

lose over a specified time horizon.

Wrong

25. True or false: options give buyers the obligation to buy or sell an asset

at a present price over a specific period.

答案：

False

出处：

《商业银行主要业务》

P 407

26.

Futures

contracts

usually

end

in

the

delivery

of

the

underlying

commodity.

答案：

False

出处：

《商业银行主要业务》

P 394

29.

When

the

aggregate

demand

is

beyond

the

aggregate

supply,

the

economy is in balance.

（

Answer: False

）

30.

At

the

present

time

，

supervise

method

of

Chinese

banking

is

Risk- based Supervision.

（

Answer: False

）

31. The purpose of foreign exchange futures hedging is to avoid or reduce

funds’

risk

，

to ensure the value of foreign currency assets

。

（

Answer:

True

）

32. The ratio of loans to deposits shall not exceed 75%;

The dependence on core debt shall not exceed 60%.

（

Answer: False

）

33.

The

core

capital

Includes

Paid-in

capital

、

capital

surplus

、

profit

surplus

、

the undistributed profits

、

Minority, Etc.

（

Answer: True

）

34. The direct business objective of the bank industry is to implement the

business management and pursue profits.

（

Answer: True

）

35. Sensitivity

analysis to results of forecast finance can not accurately

determine

borrower s’ repayment ability of future.

（

Answer: False

）

38. Mortgage is a financial instrument?

（

Answer: False

）

39. The business of the bank contains three parts that are assets, liabilities

and off balance sheet activities.

（

Answer: True

）

40. Intermediary business cost analysis contains comparing methods case

analysis methods.

（

Answer: False

）

41. Address individual customer’s risk is the fir

st important section to risk

precaution for the bank. (T)

44. Under the risk-based supervision framework, offsite review plays an

important role in risk identification and early warning. (Right)

45. FX (foreign exchange) risk is generally categorized

into FX trading

risk and FX structure/mismatching risk. (Right)

46. Consolidated supervision, which is different from Solo supervision, is

applicable for the supervision of banking group. (Right)

47. One innovation of Basel II is to introduce the capital requirements for

liquidity risk. (Wrong)

48.

Under

Basel

II,

general

provisions

or

loan

loss

reserves

can

be

included in Tier 1 capital. (Wrong)

50.

Liquidity

is

a

measure

of

how

quickly

things

may

be

converted

to

something of value like cash.

T

（

From:

银行监管实务）

51.

Under

Pillar

3

of

Basel

II,

banks

are

required

to

make

periodic

specific disclosures relating to Loan Loss Provisions. (T)

52.

Credit

Card

loans

are

classified

as

Retail

or

Consumer

Loans

in

a

bank’s loan book. (T)

54.

Bank

Regulators

are

expected

to

assess

and

approve

a

bank’s

IRB

system to ensure that it meets minimum requirements. (T)

55. V

erification and cancelation of NPL is daily practice of commercial

banks, it needs no intervention from the supervising authority.

（

F

）

56.

Bank

Regulators

are

expected

to

assess

and

approve

a

bank’s

IRB

system to ensure that it meets minimum requirements. (T)

57. V

erification and cancelation of NPL is daily practice of commercial

banks, it needs no intervention from the supervising authority.

（

F

）

58.

Banks

are

required

to

report

the

Board

the

banks’

interest

rate

risk

exposure on a regular basis. F

59.

Operational

risk

includes

legal

risk

and

strategic

risk,

but

excludes

reputation risk.

T