中级经济师考试金融专业临考冲刺练习

1、专业好文档2013年中级经济师考试金融专业临考冲刺练习1 改革开放以来，我国学者对货币需求模型进行了重新构造，认为社会公众的货币需求应包括()。a.货币的交易需求b.货币的预防需求c.货币的投资需求d.货币的生产需求e.对奢侈品的需求【参考答案】a,b,cabc我国学者对货币需求模型的重新构造，认为社会成员的货币需求应包括三方面：货币的交易需求、货币的预防需求和货币的投资需求。选abc。2 金融市场的主体包括()。a.家庭b.企业c.政府d.金融机构e.投资者【参考答案】a,b,c,dabcd一般来说，金融市场的主体包括家庭、企业、政府、金融机构、中央银行及监管机构。选abcd。3 分业经营银

2、行制度的优点()。a.在证券、保险和银行之问竖立了防范风险的“防火墙”b.有利于金融监管达到预期效果c.有利于银行通过、业务的互补性分散金融风险d.有利银行形成范围经济e.保护存款人利益【参考答案】a,b,eabe cd是综合性银行制度即混业经营银行制度的优点。选abe。4 以下属于布莱克一斯科尔斯模型基本假定的是()。a.无风险利率为常数b.没有交易成本c.市场交易不是连续的d.标的资产价格遵从几何布朗这动e.标的资产在期权到期时间之前会定期支付股息和红利【参考答案】a,b,dabd布莱克一斯科尔斯模型的基本假定。(1)无风险利率r为常数;(2)没有交易成本、税收和卖空限制，不存在无风险套利

3、机会;(3)标的资产在期权到期时间之前不支付股息和红利;(4)市场交易是连续的，不存在跳跃式或间断式变化;(5)标的资产价格波动率为常数;(6)假定标的资产价格遵从几何布朗运动。选abd。5 我国国际储备的鲜明特征有()。a.总量增长迅速b.结构变化显著，特别提款权占比提高c.结构变化显著，外汇储备占比提高d.结构变化显著，黄金储备占比提高e.结构变化显著，储备头寸占比提高【参考答案】a,cac我国国际储备的鲜明特征有总量增长迅速，结构变化显著，外汇储备占比提高。选ac。6 下列属于商业银行利润总额的构成部分的是()。a.投资收益b.营业利润c.违约金d.营业外收支净额e.证券交易差错收入【参

4、考答案】a,b,dabd商业银行利润总额由以下三部分构成：营业利润、投资收益和营业外收支净额。选abd。7 电子银行是银行传统柜台业务的延伸，它使银行不再受营业地点、营业时间的限制，随时为客户提供所需的金融服务。它的优势主要在于()。a.促进商业银行实现经营模式变革与创新b.有效降低经营成本c.提高经营效率d.促进商业银行提供更多优质服务e.降低经营风险【参考答案】a,b,c,dabcd电子银行是银行传统柜台业务的延伸，它使银行不再受营业地点、营业时间的限制，随时为客户提供所需的金融服务。尤其是现在，随着银行卡业务的迅速发展，电子银行功能日益强大，几乎可以涵盖各种传统的柜台服务、创新的金融服务

5、及增值的金融服务。因此，电子银行不仅仅是一种运营模式的变革，更是银行业经营理念的一场革命。其优势主要表现在：第一，促进商业银行实现经营模式变革与创新。电子银行采取“以计算机技术为基础、以网络为媒介”的现代商业模式，以低成本替代释放劳动力，客户可以实现自助办理业务，改变了传统柜台业务需要借助网点被动接受服务的模式，有效改善商业银行的渠道和客户结构。第二，有效降低经营成本，提高经营效率。电子银行不仅创新了许多特色新产品， 而且衍生出众多新服务，成为银行价值创造的新引擎。同时，电子银行的经营成本仅占经营收人的l5%20%，而传统银行的经营成本约占经营收入的60%，节约成本作用明显，有效改善了商业银行

6、的盈利结构。第三，促进商业银行提供更多优质服务。一方面客户可以通过互联网、电话、手机等方式获得电子银行服务，商业银行可在任何时间(anytime)、任何地方(anywhere)，以任何方式(anyhow为客户提供“3a”式全天候服务，改变了银行在服务 时间、地点方面的限制;另一方面电子银行通过渠道优势，以全面的信息、专业的咨讯、友好的体验、实时的效率，对传统业务进行全面优化和流程变革，提高市场竞争实力，有效改善商业银行业务结构。选abcd。8 根据股票供求双方在价格决定中的作用，可以将新股发行方式分为()。a.簿记方式b.询价方式c.竞价方式d.固定价格方式e.混合方式【参考答案】a,c,d,

7、eacde根据股票供求双方在价格决定中的作用，可以将新股发行方式分为簿记方式、竞价方式、固定价格方式混合方式四种类型。选acde。9 我国金融市场存在的问题有()。a.间接融资比重过低b.金融市场规模小c.直接融资比重过低d.尚未推出金融衍生品市场e.货币市场发展滞后【参考答案】b,c,ebce我国金融市场存在的问题有bce。10 一个国家的国际收支出现逆差，一般会导致()。a.本币贬值b.通货膨胀加剧c.利率水平下降d.外汇储备减少e.国内失业增加【参考答案】a,d,eade如果自主性交易的收入小于支出，则是国际收支逆差。当国际收支逆差时，货币当局动用外汇储备，投放外汇，回笼本币，导致通货紧

8、缩;当国际收支逆差时，外汇供不应求，导致外汇汇率卜涨;当国际收支逆差时.货币当局动用外汇储备，会导致外汇储备不足或枯竭。选ade。winger tuivasa-sheck, who scored two tries in the kiwis 20-18 semi-final win over england, has been passed fit after a lower-leg injury, while slater has been named at full-back but is still recovering from a knee injury aggravated aga

9、inst usa.both sides boast 100% records heading into the encounter but australia have not conceded a try since josh charnleys effort in their first pool match against england on the opening day.aussie winger jarryd hayne is the competitions top try scorer with nine, closely followed by tuivasa-sheck

10、with eight.but it is recently named rugby league international federation player of the year sonny bill williams who has attracted the most interest in the tournament so far.the kiwi - with a tournament high 17 offloads - has the chance of becoming the first player to win the world cup in both rugby

11、 league and rugby union after triumphing with the all blacks in 2011.id give every award back in a heartbeat just to get across the line this weekend, said williams.the (lack of) air up there watch mcayman islands-based webb, the head of fifas anti-racism taskforce, is in london for the football ass

12、ociations 150th anniversary celebrations and will attend citys premier league match at chelsea on sunday.i am going to be at the match tomorrow and i have asked to meet yaya toure, he told bbc sport.for me its about how he felt and i would like to speak to him first to find out what his experience w

13、as.uefa hasopened disciplinary proceedings against cskafor the racist behaviour of their fans duringcitys 2-1 win.michel platini, president of european footballs governing body, has also ordered an immediate investigation into the referees actions.cska said they were surprised and disappointed by to

14、ures complaint. in a statement the russian side added: we found no racist insults from fans of cska. baumgartner the disappointing news: mission aborted.the supersonic descent could happen as early as sunda.the weather plays an important role in this mission. starting at the ground, conditions have

15、to be very calm - winds less than 2 mph, with no precipitation or humidity and limited cloud cover. the balloon, with capsule attached, will move through the lower level of the atmosphere (the troposphere) where our day-to-day weather lives. it will climb higher than the tip of mount everest (5.5 mi

16、les/8.85 kilometers), drifting even higher than the cruising altitude of commercial airliners (5.6 miles/9.17 kilometers) and into the stratosphere. as he crosses the boundary layer (called the tropopause),e can expect a lot of turbulence.the balloon will slowly drift to the edge of space at 120,000

17、 feet ( then, i would assume, he will slowly step out onto something resembling an olympic diving platform.they blew it in 2008 when they got caught cold in the final and they will not make the same mistake against the kiwis in manchester.five years ago they cruised through to the final and so far h

18、istory has repeated itself here - the last try they conceded was scored by englands josh charnley in the opening game of the tournament.that could be classed as a weakness, a team under-cooked - but i have been impressed by the kangaroos focus in their games since then.they have been concentrating on the sort of stuff that wins you tough, even contests - strong defence, especially on their own goal-line, completing sets and a good kick-chase. theyve been great at all the unglamorous stuff that often goes unnoticed in