Chapter567

1. (單選題)The purpose of loan liquidation is to ( ).
2. (單選題)Under five-category loan classification, ( ) has potential weaknesses that deserve management's close attention.
3. (單選題)Ford Motor Company needs to borrow $50 million. The First National Bank creates a packaged loan with several other banks to lend to Ford Motor Company. This loan package can be sold on the secondary market and carries a rate that is 400 basis points above LIBOR. What type of loan is this most likely to be?
4. (單選題)The Wabash Washing Machine Company has arranged to get a loan from their bank over the next five years. They can borrow up to a pre-specified limit and repay it as many times as they need until the loan matures. The Wabash Washing Machine Company has not pledged any specific collateral for this loan. What type of loan is this most likely to be?
5. (單選題)Jerry McGuire uses his Visa card to buy a new washer and dryer and a new refrigerator for his home. He plans on paying off the credit card over the next two years. How is Jerry using his credit card?
6. (單選題)Donna Carlon is using her plastic card to buy groceries. The money is taken from her checking account immediately to pay for her groceries. How is Donna using her card?
7. (單選題)Amy Smith wants to buy a used car and wants a loan that she will pay off over the next three years with monthly payments. Which of the following categories will this loan fall into?
8. (單選題)Loans to individuals and families to finance the purchase of new homes are known as:
9. (單選題)Which of the following statements on project Loans is NOT correct?
10. (單選題)Which of the following ratios is NOT operating efficiency ratio?
11. (單選題)If the borrower can not pay back the principal and interest in full and significant losses will be incurred, even when guarantees are invoked, the loan is classified as ( ).
12. (單選題)General provision is ( ).
13. (單選題)Loan provision rate is the ratio of ( ).
14. (單選題)A bank should prepare ( ) for normal loans
15. (單選題)Loan loss provision is ( ).
二. 判斷題（共10題）
16. (判斷題)Post-disbursement management is not as important as credit analysis because the loan has already disbursed.
17. (判斷題)Export credits are loans by exporter’s banks to the importers or the importer’s banks (later loan to the importers) to finance the individual contract.
18. (判斷題)The interest rate of a revolving credit financing can be a fixed or floating rate.
19. (判斷題)The current ratio of a company is usually larger than its quick ratio.
20. (判斷題)ROE equals ROA multiplied by EM.
21. (判斷題)The price leadership model considers the cost of raising loanable funds and the operating cost of running the lending institutions
22. (判斷題)The five-category loan classification ranks loans based on loans’ internal risks, the likelihood of orderly repayment, and their effects on a bank’s safety and soundness
23. (判斷題)NPL ratio is the percentage of total NPLs to total outstanding loans.
24. (判斷題)Loan loss reserve appears on the balance sheet and changes only when loan losses occur.
25. (判斷題)Special provision is drawn on the basis of the loan classification.
1. (單選題)Off-balance sheet business is the business activities that commercial banks engage in and are not included in the ( ).
2. (單選題)Which of the followings is not the characteristics of off-balance sheet business of commercial banks?
3. (單選題)A banker's acceptance ( ).
4. (單選題)Which of the following statements about documentary letter of credit is NOT correct?
5. (單選題)The ( ） gives the buyer the right, but not the obligation, to buy or sell a specified amount of underlying asset at a specified price on a specified date.
6. (單選題)In a put option, ( ).
7. (單選題)Note Issuance Facilities ( ).
8. (單選題)Possible breakdowns in quality control, inefficiencies in producing and delivering financial services, weather damage, aging or faulty computer systems, and errors in judgment by bank management illustrate what form of risk faced by banks?
9. (單選題)Which of the following would be an example of exchange rate risk?
10. (單選題)Which of the following would be an example of credit risk?
11. (單選題)Which of the following would be an example of operational risk?
12. (單選題)Which of the following would be an example of interest rate risk?
13. (單選題)Which of the following would be an example of liquidity risk?
三. 判斷題（共5題，22分）
19. (判斷題)SWIFT system is a fully integrated computer transmission system where the message can be transmitted in a standard format.
20. (判斷題)A bank draft is a draft drawn on a bank.
21. (判斷題)Remittance is a settlement method that commercial banks collect the payment from the payer according to the payee's entrustments.
22. (判斷題)European options can be exercised any time before the expiration date of the option, while American options can only be exercised on the expiration date.
23. (判斷題)In a standby credit, the parties normally expect that the presentation of documents will occur.
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