银行从业资格习题练习

银行从业资格考试每日一练（2019/5/29）
第1题：已知某银行外汇交易部门年收益/损失见下表，则该交易部门的经济增加值(EVA)为（　　）万元。
税后净利润
经济资本乘数
VaR(250,99%)
资本预期收益率
2000万元
12.5
1000万元
20%
A.1000
B.500
C.-500
D.-1000
【单选题】：      

第2题：在Excel中输入分数时，最好以混合形式(O / )方式输入，以免与日期格式相混淆。()
【判断题】：  

What determines the rate of exchange between currencies will be examined later in this booklet, but first it is useful to consider the mechanics of international transactions. To enable a UK importer to pay hisAmerican supplier, for example, the facilities of two or more banks are used, firstly in handling the often complex documentation and secondly, through the foreign exchange market, in obtaining the currency requireD、At one time payments to and from other countries were made by bills of exchange; hence in part the term "exchange rate", which was maintained even though other methods of payment have largely superseded the bill of exchange. TheBritish importer will probably need to pay hisAmerican supplier in dollars and hisBritish bank can offer him several alternative methods of settlement. It can provide him with a banker’s draft drawn in dollars. The bank is able to do this because it will have an account with another bank (called a correspondent bank) in anAmerican city and it simply issues a dollar cheque or draft drawn on that account. TheBritish importer can then send this draft by airmail to the supplier.
Since there is a danger that the draft may be lost or fall into the wrong hands’ the safer and more normal method would be for theBritish bank to arrange for payment by mail transfer. Instructions are sent by airmail to the correspondent bank in the US to pay on behalf of its customer the required sum to the named recipient from theBritish bank’s dollar account. This mail transfer system is very flexible since the instructions for payment can be varied or elaborated to suit practically every kind of requirement.
第3题：
Who is the "recipient" in the settlementA．The correspondent bank.

B、TheBritish bank.
C．TheBritish importer.
D．TheAmerican supplier.
【单选题】：      
第4题：金融期货和金融远期合约的重要区别在于（　）。
A.金融远期合约能够降低风险，但金融期货合约不能降低风险
B.金融远期合约大多在场外进行交易，金融期货合约在交易所内进行交易
C.金融远期合约的收益和损失一般在合约到期日实现，金融期货合约的盈利和亏损在每个交易日结束前清算和执行
D.金融远期合约买卖双方一般不进行实物交割，金融期货合约一般都进行实物交割
E.金融远期合约的二级市场非常活跃，金融期货合约的二级市场非常不活跃
【多选题】：      

第5题：根据基础资产划分，常见的金融远期合约主要包括（　）。
A.股权类资产的远期合约
B.债权类资产的远期合约
C.远期利率协议
D.远期汇率协议
E.股指期货合约
【多选题】：      

第6题：就“价格优先，时间优先”的证券交易竞价机制，在同一时间内，下列表述正确的是（　　）。
A.如果是买入。报价越低越先成交；如果是卖出，报价越高越先成交
B.无论是买入还是卖出．报价越低的越先成交
C.如果是买入，报价越高越先成交；如果是卖出，报价越低越先成交
D.无论是买入还是卖出，报价越高的越先成交
【单选题】：      

第7题：费率是指利率以外的银行提供信贷服务的价格，一般以信贷产品金额为基数，按一定比率计算。（）
【判断题】：  

第8题：用多项质物作质押申请个人质押贷款的，贷款到期日不能超过所质押质物的最晚到期日。( )
【判断题】：  

第9题：运用情景分析方法进行压力测试时，应当选择的情景包括()。
A．模型假设和参数不再适用的情形
B．市场价格发生剧烈变动的情形
C．市场流动性严重不足的情形
D．外部环境发生重大变化、可能导致重大损失或风险难以控制的情景
E．历史上发生过重大损失的情景
【多选题】：        

第10题：以下关于银行收集内部损失数据的流程，不符合标准的是( )。
A．银行必须将内部损失历史数据按照监管当局规定的组别对应分类
B．银行的内部损失数据必须综合全面，涵盖所有的业务活动
C．银行收集内部损失数据时必须设适当的总损失底线
D．银行应收集致使损失事件发生的主要因素或起因的描述性信息
【单选题】：      

 

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