[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f5AX88ENkI9sC_J-fFiwH2a9mDzUGhW6oziv_cUGgsk0":3},{"answer":4,"createTime":5,"id":6,"options":7,"origin":12,"question":19,"related":20,"source":24,"type":25},[],"2025-12-21 17:54:26",277966442,[8,9,10,11],"letter of guarantee","deposits","loans","security investment",{"count":13,"courseId":14,"courseImg":15,"courseName":16,"workId":17,"workName":18},39,"53e1d2ef4961cca8eea3e23969ad2cb9","https:\u002F\u002Ftihai-oss-cloud.itihey.com\u002Fimg\u002F03a579384a6dc297c89809b582fcc767.png","默认课程","work_47821081","作业1 chapter 1-3","Which of the following services belongs to off-balance sheet activities",[21,26,35,44,53,62,71,80,89,98],{"answer":22,"createTime":5,"id":6,"options":23,"question":19,"source":24,"type":25},[],[8,9,10,11],"v1",0,{"answer":27,"createTime":5,"id":28,"options":29,"question":34,"source":24,"type":25},[],277966443,[30,31,32,33],"market risk","credit risk","liquidity risk","operational risk","The bank's exposure to default or failure by a borrower or counterparty to fulfill its contractual obligation is ( )",{"answer":36,"createTime":5,"id":37,"options":38,"question":43,"source":24,"type":25},[],277966444,[39,40,41,42],"Capital is the most reliable and stable source of funds","Capital can absorb all losses of bank's operation","Capital is the basis for banks' operation","Capital is the centerpiece of supervision and regulation today","Which of the following is not the reason why capital is very important in financial-services management",{"answer":45,"createTime":5,"id":46,"options":47,"question":52,"source":24,"type":25},[],277966445,[48,49,50,51],"profit and loss statement","balance sheet","statement of cash flow","income statement","Off-balance sheet business is the business activities that commercial banks engage in and are not included in the ( )",{"answer":54,"createTime":5,"id":55,"options":56,"question":61,"source":24,"type":25},[],277966446,[57,58,59,60],"banks can create money in the form of readily spendable deposits by making loans and investments as much as they want","banks are among the leading depository institutions of the public's savings","banks can meet all credit requests of companies and individuals","banks can control the activities of central and local governments","Banks are closely regulated because ( )",{"answer":63,"createTime":5,"id":64,"options":65,"question":70,"source":24,"type":25},[],277966447,[66,67,68,69],"capital surplus","preferred stock","undivided profits","subordinated debt instruments","Under the terms of Basel I, Tier 2 capital includes ( )",{"answer":72,"createTime":5,"id":73,"options":74,"question":79,"source":24,"type":25},[],277966448,[75,76,77,78],"also called reserve requirement ratio","a portion of deposits which can be used to make loans","a percentage of deposits decided by the commercial banks themselves and deposited with the central bank","helpful to increase the profitability of commercial banks","Required Reserve Ratio is ( )",{"answer":81,"createTime":5,"id":82,"options":83,"question":88,"source":24,"type":25},[],277966449,[84,85,86,87],"reduce competition","raise the failure rate","be more profitable","accept too much risk","Supporters of holding company organization believe that it will ( )",{"answer":90,"createTime":5,"id":91,"options":92,"question":97,"source":24,"type":25},[],277966450,[93,94,95,96],"4.55%","8.5%","5%","7.73%","A bank has $100 million in assets in the 0 percent risk-weight category, $500 million in assets in the 20 percent risk-weight category, $800 million in assets in the 50 percent risk-weight category, $500 million in assets in the 100 percent risk-weight category. This bank has $15 million in common stock, $ 20 million in capital surplus, $ 35 million in subordinated bonds, $15 million in undivided profits. What is this bank's ratio of Tier 1 capital to risk-weighted assets",{"answer":99,"createTime":5,"id":100,"options":101,"question":106,"source":24,"type":25},[],277966451,[102,103,104,105],"tax deductible","increased financial leverage","dilution of ownership","more EPS and risks","Which of the following is not the characteristic of issuing debt capital"]