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起止时间:2020-02-22到2020-07-31
更新状态:已完结
第九章 Financial World 第九章单元测验
1、 Which of the following is not a reason for the 2008 credit crunch?
A:The Fed has kept the interest rate too low for too long.
B:Brokers make loans to bad risks.
C:Fed chairman Alan Greenspan retired.
D:Institutional investors have been greedy.
答案: Fed chairman Alan Greenspan retired.
2、 What does agent problem mean?
A:managers’ and owners’ interests are not in accordance
B:problems caused by intermediaries
C:financial risk from brokers
D:institutional troubles
答案: managers’ and owners’ interests are not in accordance
3、 What is HSBC?
A:a central bank
B:a commercial bank
C: a hedge fund
D:a mutual fund
答案: a commercial bank
4、 What is moral hazard?
A:risk of committing sins
B:danger of immoral behavior
C:possibility of making the same mistake again if the mistake was not punished when it was previous made
D:hazard of financial default
答案: possibility of making the same mistake again if the mistake was not punished when it was previous made
5、 Which of the following is not true according to the recording?
A:Chinese banks have poor management.
B: China’s accounting system is not strict.
C:It’s not easy to find true value of Chinese banks.
D:The bad loan rate has been decreased in China.
答案: The bad loan rate has been decreased in China.
6、 What kind of place is China to foreign investors?
A:full of chances
B:easy to earn big profits
C:promising but risky
D:hard to do business
答案: promising but risky
7、 Bank of China sold its 10% shares to
A:Royal Bank of Scotland
B:Merill Lynch.
C: Li Ka-shing
D:all of the above.
答案: all of the above.
8、 What is the attitude of investors to such “strategic investment”?
A:doubtful
B:supportive
C:confident
D:sarcastic
答案: doubtful
9、 Which of the following is NOT the way to deliver returns to match the risks in Chinese banks?
A:buying cheap
B: selling high
C: adding value
D:creating options
答案: selling high
10、 Who should be responsible for the 2008 credit crunch?
A:supervisors
B:home buyers
C:brokers
D:all of the above
答案: all of the above
11、 A mortgage is a type of _____ .
A: supply
B:conveyance
C: limit
D:ceiling
答案: conveyance
12、 He wants to get a loan to _____ some improvements in his factory.
A:fluctuate
B: adjust
C:finance
D:calculate
答案: finance
13、 Interest rates are high because money is _____ .
A:guaranteed
B:variable
C: tight
D:loose
答案: tight
14、 They’ll never get a mortgage; they’re bad _____ .
A:risks
B: mortgagees
C:financiers
D:credit
答案: risks
15、 There will be no change in the interest rate during the _____ of the mortgage.
A:life
B:limit
C:title
D:floor
答案: life
16、 We’re paying for the furniture we bought in monthly _____ .
A:installments
B:budgets
C:cash flow
D:collateral
答案: installments
17、 The bank uses a _____ to find out how prospective borrowers repaid their past debts.
A:profile
B:loan agreement
C:credit bureau
D:ledger
答案: profile
18、 Mr. Harris’s application for a loan was approved because he is _____ .
A: creditworthy
B:on time
C: capacity
D:flexible
答案: creditworthy
19、 Because the borrower defaulted on his repayment of the loan, the bank will hold the _____ responsible.
A:reporting agency
B:co-signer
C: budget
D:trustee
答案: co-signer
20、 Lisa and Frank Edwards developed a _____ of monthly expenses to see how much money they would have left over to make loan payments on a refrigerator.
A: data
B:profile
C: consumer credit
D:data base
答案: profile
21、 She _____ $10,000 to charity in her will.
A: audited
B: settled
C: bequeathed
D:collected
答案: bequeathed
22、 You have to pay high _____ on an estate.
A:trust funds
B:taxes
C:returns
D: interest rates
答案: taxes
23、 The _____ will distribute the property of the deceased according to his last will and testament.
A:heir
B: legatee
C:executor
D:probate court
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