金融学(双语)复习资料第5章

Chapter5错误!未指定书签。THEFEDERALRESERVETRUE/FALSEF1.ThepowertocreatemoneyisgivenbytheConstitutiontotheFederalReserve.创造货币的权力是宪法赋予美联储T2.Whencorporationsretire(payoff)loansfromcommercialbanks,excessreservesareincreased.当企业退休从商业银行（支付）的贷款，超额准备金增加。F3.Whenthegeneralpublicusesmoneyincheckingaccountstopurchasestockissuedbycorporations,therequiredreservesofbanksarereduced.当一般公众使用的钱在支票账户购买公司发行的股票，所需要的银行的准备金就会减少F4.OnlylargecommercialbanksaresubjecttotheregulationoftheFederalReserve.只有大型商业银行受到美联储的监管F5.WhentheFederalReservesellssecurities,themoneysupplyisincreased.当美联储出售证券，货币供应量增加T6.WhentheFederalReservebuyssecurities,thereservesofbanksareincreased.当美联储购买证券，银行的准备金增加T7.Openmarketoperationsisamoreflexibletoolofmonetarypolicythanthereserverequirements.公开市场操作是货币政策的一个更灵活的工具，比准备金要求T8.Reserverequirementsareinfrequentlychangedtoaffectcommercialbanklending.准备金要求频繁改变会影响商业银行贷款T9.TheOpenMarketCommitteehastwelvemembersthatincludetheBoardofGovernors.公开市场委员会有十二名成员，其中包括理事会F10.ThepresidentsoftheDistrictBankselecttheBoardofGovernorsoftheFederalReserve.该地区银行的总统选举联邦储备理事会F11.ThefederalfundsrateistheinterestratetheFederalReservechargesbankswhentheyborrowreserves.联邦基金利率是利率联邦储备银行收费时，他们借入储备F12.IftheTreasuryborrowsfromtheFederalReserve,thelendingcapacityofbanksisreduced.如果财政部从美联储借，银行的放贷能力降低T13.IftheTreasurysellsdebtthatispurchasedbycorporationsandusesthefundstopurchasemilitaryequipment,theexcessreservesofthebankingsystemarenotaffected.如果财政部出售债券是由公司购买并使用的资金购买军事装备，多余的银行体系储备不受影响T14.Deflationisaperiodofdecliningprices.通货紧缩是一个时期价格下跌F15.Duringaperiodofrecession,theFedsellssecurities.在衰退期，美联储出售证券T16.TheConsumerPriceIndex(CPI)isameasureofinflation.居民消费价格指数（CPI）是衡量通货膨胀的T17.TheFederalReserveisindependentoftheU.S.Treasuryandisownedbycommercialbanks.美联储是独立于美国财政部，由商业银行所拥有F18.ThePresidentoftheUnitedStatesappointstheFederalOpenMarketCommittee.美国总统任命的联邦公开市场委员会F19.Sincethereservesofcommercialbanksearninterest,thereisanincentivetoholdexcessreserves.由于商业银行的准备金赚取利息，还有持有超额准备金的奖励T20.Openmarketoperationsisamoreflexibletoolofmonetarypolicythanthediscountrate.公开市场操作是货币政策的一个更灵活的工具比贴现率T21.Commercialbanksmaybuyandsellreservesinthefederalfundsmarket.商业银行可以在联邦基金市场上购买和出售储备T22.IftheTreasuryissuesnewbondsthatarepurchasedbythegeneralpublic,themoneysupplyisreducediftheTreasurydepositsthefundsintheFederalReserve.如果财政部发布了由广大市民购买新的债券，货币供应量减少，如果国库存款资金在美联储F23.Recessionisaperiodoffallingprices.经济衰退是一个时期的价格下跌F24.Whencommercialbanksgrantloanstothepublic,theirtotalreservesarereduced.当商业银行发放贷款的市民，他们的总储量减少MULTIPLECHOICEa1.Withdrawingcashfromacheckingaccountdoesnotdecrease从支票帐户提取现金不减少a.themoneysupply货币供应量b.demanddeposits活期存款c.totalreserves总储量d.excessreserves超额准备金d2.Excessreservesareaffectedby超额准备金受1.reserverequirements准备金要求2.therepaymentofexistingbankloans现有偿还银行贷款3.cashwithdrawals现金提款d.1,2,and3b3.Whencommercialbanksgrantloans,当商业银行发放贷款a.themoneysupplyisreduced货币供应量减少b.themoneysupplyisincreased货币供应量增加c.totalreservesincrease总储量增加d.totalreservesdecrease总储量减少b4.Ifdepositsarewithdrawnfromacommercialbank,itmayobtainreservesby如果存款从商业银行撤出，它可能是由获得储备a.acquiringanasset收购资产b.borrowinginthefederalfundsmarket在联邦基金市场借款c.lendingfundsinthefederalfundsmarket在联邦基金市场资金d.liquidatingaliability清算负债a5.Whenacommercialbankreceivesacashdeposit,当商业银行收到的现金存款1.itsrequiredreservesincrease其所需的储备增加2.itsrequiredreservesdecrease其所需的储备减少3.itstotalreservesincrease其总储量增加4.itstotalreservesdecrease其总储量减少a.1and3b6.Commercialbankslendexcessreservesforonedayinthe商业银行放贷超额储备为一天中的a.stockmarket股市b.federalfundsmarket联邦基金市场c.reservesmarket储备市场d.over-the-countermarket过？的？柜台市场b7.TheFederalReserveincreasesreservesby美国联邦储备局增加储备a.sellingsecurities出售证券b.buyingsecurities买证券c.raisingreserverequirements提高存款准备金率d.raisingthediscountrate提高贴现率b8.TheFederalReserve美国联邦储备委员会a.ispartoftheU.S.Treasury是美国财政部的一部分b.isownedbymemberbanks由成员银行拥有c.isthenation'slargestcommercialbank是全国最大的商业银行d.lendsfundstocorporations借出资金的公司b9.Byloweringthediscountrate,theFederalReserve通过降低贴现率，美联储a.discouragescommercialbanksfromlending鼓励商业银行从贷款b.encouragescommercialbankstoborrowreserves鼓励商业银行借入储备c.discouragesdepositorsfromwithdrawingfunds鼓励存户提款d.contractsthemoneysupply收缩货币供应量d10.ThepurposeoftheFederalReserveisto美联储的目的是a.financegovernmentoperations金融政府运作b.protectinvestorsfrombankfailures保护投资者免受银行倒闭c.protectdepositsfrombankfailures保护存款银行倒闭d.controlthesupplyofmoneyandcredit控制货币信贷总量c11.ThestructureoftheFederalReserveincludes美联储的结构包括1.allcommercialbanks各商业银行2.thetwelvedistrictbanks在12家地方银行3.theBoardofGovernors理事会c.2and3c12.ThemembersoftheBoardofGovernorsarea.electedbythememberbanksb.appointedbytheSenatec.appointedbythePresidentoftheUnitedStatesd.electedbytheFederalOpenMarketCommitteec13.Duringaperiodofrecession,afederalgovernmentsurplusshouldretiredebtoweda.theFederalReserveb.commercialbanksc.thegeneralpublicd.theFederalDepositInsuranceCorporationa14.TheFederalReservemaycontractthemoneysupplyby1.sellingsecurities2.buyingsecurities3.raisingreserverequirements4.loweringreserverequirementsa.1and3b.1and4c.2and3d.2and4理事会的成员是由成员银行推选由参议院任命由美国总统任命联邦公开市场委员会选举产生在衰退期，联邦政府的盈余应该退休欠下的债美联储商业银行广大市民美国联邦存款保险