商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap015
20页1、Chapter 15The Management of CapitalFill in the Blank Questions1.The risk that has to do with banks trading in foreign currencies is called _. Answer: exchange risk 2.The risk that has to do with fraud, embezzlement and bank robberies is called _. Answer: crime risk 3._ is measured by the par value of the shares of common equity outstanding. Answer: Common stock 4._ is the amount in excess of par value paid by the banks shareholders. Answer: Surplus 5._ are the net earnings of the bank which have
2、 been kept by the bank rather than distributed as dividends to stockholders. Answer: Undivided Profits (or retained earnings) 6.Core capital such as common stock, surplus, undivided profits, qualifying noncumulative preferred stock, etc. is referred to as _ capital as defined by the Basel agreement. Answer: Tier 1 7.The international treaty involving the U.S. and 11 other leading industrialized countries to impose common capital requirements on all banks is known as the _. Answer: Basel Agreemen
3、t 8.Supplemental capital such as the allowance for loan losses, subordinated debt, mandatory convertible debt, intermediate-term preferred stock, cumulative preferred perpetual stock and equity notes is more commonly known as _. Answer: Tier 2 capital 9.When items on a banks balance sheet are multiplied by the appropriate risk-weighting factor they are often called _. Answer: risk-weighted assets 10.The fact that a bank may suffer deficiencies in quality control, inefficiencies in producing and
4、delivering of services, weather damage, aging or faulty computer systems, errors in judgment by management and fluctuations in economy that could adversely affect the banks performance is known as _ risk. Answer: operational 11.One defense against risk for the bank is to spread out a banks credit accounts and deposits among a wide variety of customers, including large and small accounts different industries, etc. This defense is known as _. Answer: portfolio diversification 12.One defense agains
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