[单项选择]A. Each commercial bank, as it obtains reserves and expands its deposits, could grow at an inappropriate rate. One way of controlling the growth rate of deposits is to require banks to stand ready to redeem their deposits in some valuable commodity. Another is to institute a central bank charged with keeping reserves.
B. Central bank needs to guard against bank failures, particularly if there are many relatively small banks. This is not to say that central banks always did prevent widespread bank failures. But a central bank should act as institution able and willing in a crisis to make loans to banks when other banks cannot, or will not to do so.
C. In addition to its services for commercial banks, a central bank provides many other services. The government keeps an account at the central bank, writes its checks on this account, and, in some countries, sells its securities through central bank. Another group of services to the government arises directly out of the central ba

[单项选择]A. Each commercial bank, as it obtains reserves and expands its deposits, could grow at an inappropriate rate. One way of controlling the growth rate of deposits is to require banks to stand ready to redeem their deposits in some valuable commodity. Another is to institute a central bank charged with keeping reserves.
B. Central bank needs to guard against bank failures, particularly if there are many relatively small banks. This is not to say that central banks always did prevent widespread bank failures. But a central bank should act as institution able and willing in a crisis to make loans to banks when other banks cannot, or will not to do so.
C. In addition to its services for commercial banks, a central bank provides many other services. The government keeps an account at the central bank, writes its checks on this account, and, in some countries, sells its securities through central bank. Another group of services to the government arises directly out of the central ba

[单项选择]Passage 1
Commercial bank deposits, including demand deposits, are subject to immediate withdrawal during regular banking hours at the request of the depositor with the exception of certain time deposits, discussed in this section. Demand deposits may be withdrawn in the form of currency or coin, or they may be transferred to another account at any commercial bank. Demand deposits at commercial banks can be transferred by bank check and are sometimes called checking accounts. No money interest is paid on demand deposits. Checkable NOW accounts, or share drafts at credit unions, which are available to consumers but not business depositors, pay interest. Technically, they are savings accounts that are accessible by a negotiable order of withdrawal.
Savings deposits at commercial banks and thrifts can usually be withdrawn as currency or coin, or as a cashier’s check of the bank (a check drawn against the issuing bank) ; they may be trans-fenced into the deposito
A. By a bank check.
B. By a demand.
C. By a negotiable order of withdrawal.
D. By a draft.

[简答题]A commercial bank shall not engage in trust investment of stock business, or invest in real estate not for its own use.

[单项选择]
About one commercial bank out of every four has a trust department that provides specialized fiduciary services for its customers. To engage in the trust business, a bank must obtain from its chartering agency trust powers that enable it to offer these specialized financial services. The following sections provide an introduction to the trust function.
With roughly 75 percent of banking-industry participants not engaged in trust operations, trust services obviously play a somewhat limited role in the industry. Since 1981 the percentage contribution of these revenues to total operating income and total assets has been increasing after declining since 1975. As of year-end 1983, trust income was $ 4.2 billion and amounted to 1.74 percent of total operating income and 0. 185 percent of total bank assets. Over the eight-year period 1975 to 1983, trust income grew at a compound annual rate of 12.78 percent compared to 17.42 perce
A. TRUE
B. FALSE
C. NOT GIVEN

[单项选择]Passage 3 A commercial bank shall formulate its business rules, establish and improve its business management, the system of cash control and its security system in accordance with the stipulations of the People’s Bank of China. A commercial bank shall establish and improve its systems of examining and checking deposits, loans settlements and bad and doubtful accounts. The PBC can exercise examination of a commercial bank at any time in accordance with the relevant provisions. The personnel in charge of the examination and supervision should produce their legitimate at the time of conducting examination and supervision. A commercial bank shall provide financial financial accounting information, business contracts and other information about its business and management at the request of the People’s Bank of China. A commercial bank is subject to the audit control by the auditing authorities in accordance with the audit law and regulations.The PBC can exercise examination of a commer
A. Right
B. Wrong
C. Doesn’t say

[简答题]Before extending a loan, a commercial bank shall conduct strict examination of its purpose, the capability of the borrower and form of repayment as well as other relevant matters.

[简答题]Commercial bank’s net interest revenue can be affected by fluctuations in market rates as a result of timing differences in repricing of its assets and liabilities.

[简答题]

信用证资料：
FROM : NATIONAL COMMERCIAL BANK, JEDDAH
TO : BANK OF CHINA, JIANGSU BR.
DATE : JAN. 03,2007
L/C NO.: 6688
L/C AMOUNT: USD28 820.00
APPLICANT: XYZ COMPANY, JEDDAH
BENEFICIARY: ABC COMPANY, SHANGHAI
DRAFTS TO BE DRAWN ON US AT SIGHT FOR 90PCT OF INVOICE VALUE
PARTIAL SHIPMENTS: NOT ALLOWED
MERCHANDISE: ABT 48000 CANS OF MEILING BRAND CANNED ORANGE JAM, 250
GRAM/CAN, 12 CANS IN A CARTON.
UNIT PRICE: USD6.55/CTN CIF JEDDAH
COUNTRY OF ORIGIN: P. R. CHINA
DOCUMENTS REQUIRED: COMMERCIAL INVOICE IN 3 COPIES DATED THE SAME
DATE AS THAT OF L/C ISSUANCE DATE INDICATING COUNTRY OF ORIGIN OF THE
GOODS AND CERTIFIED TO BE TRUE AND CORRECT, INDICATING CONTRACT NO.
SUM356/05 AND L/C NO.
...
ADDITIONAL CONDITIONS: ALL DOCUMENTS MUST INDICATE SHIPPING MARKS AS
JAM IN DIAMOND JEDDAH.
2．附加信息：
发票号码：ABC123/2007
受益人的有权签字为李平
出仓单显示货物：
52800 CANS OF MEI