名词解释1.商业银行？What is bank?A bank is any business offering deposits subject to withdrawal on demand and making loansof a commercial or business nature.银行是提供可以随时按要求提取的存款服务并提供商业或企业性质的贷款的机构。
（withdrawal:取回）What is commercial banks?The dominant supplier of credit and payments services to business and households.商业银行业—全球金融系统中商业公司贷款、支票存款和借记卡的主要提供者。
2.金融控股公司What is financial holding companies?(FHCs)The financial holding companies are defined as a special type of holding company that may offer the bordest range of financial services.金融控股公司(FHCs)被定义为一种特殊的控股公司井可以提供极广泛的金融服务3.批发银行？What is Wholesale banks?Wholesale banks is a bank which concentrate mainly on making large corporate loans all over the globe.主要集中服务于商业客户及在全球范围内发放大额企业贷款.4.资本？What Is Capital?It refers principally to the funds contributed by the owner of a financial institution.它指的是金融机构所有者提供的初始资金5.欧洲货币市场？What is theEurocurrency Deposit Market?The Eurocurrency Market is the largest unregulated financial marketplace in the world ,which is one reason this funds source is so popular.欧洲货币市场是世界上最大的不受监管的金融市场。
这也是其增长最快的原因之一6.零售银行？What is retail bank?A bank like this ,devoted principally to the markets for smaller ,locally based deposits and loans,is also often referred to as a retail bank.主要涉及消费者和小企业的存贷款业务7.单一制银行？What are unit banks?They offer all of their services from one office,although some services may be offered from limited-service facilities.单元制银行通过一个营业部门提供其全部服务，其中有少量业务通过专门性服务设施来提供简答题1.什么叫非存款性负债？非存款性负债的种类有哪些？What is Liability Management?Nondeposit Sources of FundsLiability Management consists of buying funds,mainly from other financial institutions,in order to cover good-quality credit requests and satisfy any legal reserve requirements on deposits and other borrowings that law or regulation may require.负债管理是指从其他金融机构筹资，以满足高品质的贷款要求和满足存款准备金及其他法律或规章所要求的借人资金。
A. Federal Funds Market联邦基金市场B.Repurchase Agreements as a Source of Funds作为资金来源的回购协议C.Borrowing from the Federal Reserve Bank 向联邦储备银行借款D.Development and Sale of Large Negotiable CDs大额可转让存单的开发与销售E.Eurocurrency Deposit Market欧洲货币存款市场mercial Paper Market商业票据市场G.Long-Term Nondeposit Funds Sources长期非存款资金来源借贷机构可以通过以上方式获得所需资金通过联邦资金市场在国内借款，通过欧洲货币市场在国外借款、向客户出售货币市场可转让存单(10万美元以上)、获取中央银行或其他政府机构贷款、与拥有暂时剩余资金的个人和机构谈判签订证券回购协议或者通过同属干一家控股公司的子公司发行商业票据，甚至发行长期债券以筹集长期资本2.非存款性负债的影响因素？Nondeposit Funding Sources: Factors to Consider？（1）Relative Costs of raising funds from each source 相关筹资成本（2）The Risk Factor风险因素（3）The Length of Time Funds Are Needed需要资金的期限（4）The Size of the Borrowing Institution借款机构的规模（5）Regulations条例3.商业银行的资本的类型？Types of capital?(1)Common Stock普通股(2)Preferred Stock 优先股(3)Surplus（资本公积）(4)Undivided Profits(未分配利润)(5)Subordinated Debentures（次级债券）(6)Equity reserves权益准备金(7)Minority interest in consolidated subsidiaries附属机构的少数股东权益(8)Equity commitment notes权益承诺票据4.股票的特点？Stock characteristics（1）Investment of permanent 永久投资（2）The risk of earnings 盈利风险（3）Decision-making participation 参与决策（4）The transfer of the marketability市场化转移5.银行的风险？Key Risks in Banking（1）Credit Risk信用风险（2）Liquidity Risk流动性风险（3）Interest-Rate Risk利率风险（4）Operating Risk经营风险（5）Exchange Risk汇率风险（6）Crime Risk犯罪风险6.股票的种类？The kinds of stockCommon stockPreferred stockstate-owned shares(国有股)legal persons shares(法人股)tradable share (流通股)✧ A shares✧ B shares✧H shares7.商业银行的资本的职能The Many Tasks Capital Performs （1）Cushion Against Risk of Failure减震器，降低风险（2）Provides Funds Needed to Begin Operations为金融机构的注册，组建和经营提供了所需资金（3）Promotes Public Confidence增强公众对金融机构的信心（4）Provides Funds for Future Growth and New Services为金融机构的成长和新业务及新设施的发展提供资金（5）Maintain bank sustainable development作为规范机构增长的因素，资本有助于保证其实现长期可持续的增长（6）Capital Plays a Role in Mergers在金融机构兼并浪潮中起到了重要作用计算题1. A bank deposit rates of 2% to raise 2million yuan of new deposits, if Banks offer2.5% interest rate, it can raise to 4 million yuan of new deposits, offer 3% interest rate, can raise to 6 million yuan deposit,... . Assume that management believes he can deposits to 7% yield of new investment funds, the bank should provide what kind of deposit interest rates and make the biggest Banks' earnings?解：2.A depository institution promises an 10% annual interest rate to the buyer of a RMB10,000,000six-month(180-day)CD.Six-month after depositors receive much money?（到期之后本金+利息等于多少？）解：10%票面利率=10000000*10%*180/3603.A bank borrows 6000,000,000through an RP transaction collateralized by government bonds for two days and the current RP rate in the market is 1.9%,this bank’s total cost? 60亿回购借款两天利率1.9%，求其借款成本解：=60亿*1.9%*2/360。