[2017年整理]商业银行管理学习题5.docVIP

Chapter 5 The Financial Statements of Banks and Their Principal Competitors Fill in the Blank Questions 1. Fed funds purchased is an example of _______________________ along with Eurodollar borrowings. Answer: nondeposit borrowings 2. The short term securities of the bank, including T-Bills(国库券) and commercial paper, are often called __________________________ because they are the second line of defense to meet demands for cash.满足现金需要的第一道防线 Answer: secondary reserves 3. __________________________ is a noncash expense on the banks income statement which allows the bank to account for future bad loans. Answer: Provision for loan losses 贷款损失预提 4. __________________________ is the difference between interest income and interest expenses for a financial institution. Answer: Net interest income 5. A(n)__________________________ is a short term collateralized loan短期担保贷款. The collateral that is used generally consists of T-Bills. 国库券 Answer: repurchase agreement 6. The principal types of__________________________ include fee income, income from fiduciary activities and services charges on deposits. Answer: noninterest income True/False Questions T F 1. On a banks income statement (Report of Income) deposit costs are financial inputs. Answer: True T F 2. Securities income is a financial output listed on a financial institutions Report of Condition. Answer: False T F 3. Net loans on a banks balance sheet are derived by deducting the allowance for loan losses and unearned discounts from gross loans. 银行资产负债表的贷款净额是从贷款总额减去贷款损失准备和未实现的贴现息 Answer: True T F 4. Most banks report securities gains as a component of their total noninterest income. Answer: False T F 5. Recoveries on loans previously charged off are added to the Provision for Loan Losses (PLL) account on a banks income statement. 已注销贷款的收回应记入银行利润表的贷款损失预提账户 Answer: False T F 6. Loan-loss reserves set aside to cover