2015年电大《企业金融行为》作业一及参考答案

1、;.电大企业金融行为电大作业1及答案第一章 绪论一、 多项选择题1.企业为开展正常的生产经营活动，需要（ AB ）。A.有形资产 B.无形资产 C.生产协作关系 D.存货2.由于商业银行自身经营范围的特殊性，在金融行为决策时，必须首先考虑（ AB ），然后考虑盈利性目标。A.安全性 B.流动性 C.风险性 D.期限结构3.股票价格最高化的优点是（ ABC ）。A.权衡了股东期望收益的时间和风险 B.是评价企业金融决策可行性的标准C.反映了市场对企业的客观评价 D.综合反映了企业金融行为管理的目标4.企业内部约束和激励机制有（ ABC ）。A.管理和控制分离 B.企业内部治理结构 C.补偿计划

2、D.企业并购二、 判断题1.公司是法人，是与所有者相分离而独立存在的法律实体。 （ ）2.筹资决策关系到确定企业资本结构，即用满足企业经营的长期投资的短期流动资金的比例。 （ × ）3.金融企业和金融行为 是最具代表性的典型金融行为。 （ × ）4.企业组织就其管理决策职责可分制造、市场、人事和公关部门。 （ × ）5.企业金融决策是指有关资金筹集和使用的决策。 （ ）6.企业经营行为管理目标是利润最大化。 （ × ）7.并购威慑是市场对企业激励约束作用的一种表现。 （ ）8.企业金融行为决策中最重要的是增额现金流量。 （ × ）第二章一、多项

3、选择题1.解释利率期限结构的理论主要有（ ABC ）。A.市场预期理论 B.流动性偏好理论 C.市场分割理论 D.市场选择和流动偏好理论2.投资性金融机构主要包括（ABCD ）。A.投资银行 B.财务公司 C.投资基金 D.货币市场共同基金3.金融期货市场主要包括的三种类型金融工具期货是（ ABC ）。A.利率期货 B.外汇期货 C.股指期货 D.商品期货4.资本市场最常见的是（ABC ）。A.股票市场 B.长期债务市场 C.抵押贷款市场 D.长期贷款市场5.目前金融市场的主要组织形式是（AB ）.A.拍卖方式 B.柜台方式 C.电子交易系统 D.无形交易组织6.金融工具特点是（AB ）.A,

4、合约条文标准化 B.证明文件市场化C.合约内容规范化 D.证明文件要约化7.从方式上分，金融通常分为（CD ）.A.直接融资 B.间接融资 C.股票融资 D.翟隽融资二、判断题1.流动性偏好理论是对预期理论的一种修正。 （ ）2.违约风险越高，投资者要求的风险补偿越大。 （ ）3.投资银行属于合约性金融机构 （ × ）4.期权是给予期权持有者从事交易的义务，而不是权利。 （ × ）5.金融交易市场交易对象是金融工具。 （ ）6.证明文件市场化是金融工具的主要属性。 （ × ）第二章 货币时间价值一、 判断题1.货币时间价值的表现形式通常是用货币的时间价值率。 （

5、）2.实际上货币的时间价值率与利率是相同的。 （ × ）3.单利现值的计算就是确定未来终值的现在价值。 （ × ）4.普通年金终值是指每期期末有等额的收付款项的年金。 （ × ）5.永续年金没有终值。 （ ）6.货币的时间价值是由时间创造的，因此，所有的货币都有时间价值。（ × ）7.复利的终值与现值成正比，与计息期数和利率成反比。 （ × ）8.若i0，n1，则PVIF一定小于1. （ ）9. 若i0，n1，则复利的终值系数一定小于1. （ × ）二、单项选择题1.A公司于2002年3月10日销售钢材一批，收到商业承兑汇票一张，票面

6、金额为60000元，票面利率为4%，期限为90天，（2002年6月10日到期），则该票据到期日为（ A ）。A.60600（元） B.62400（元） C.60799（元） D.61200（元）2.复利终值的计算公式是（A ）。A. B. C. D. 3.普通年金现值的计算公式是（ C ）.A. B. C. D. 4. 是（A ）。A.普通年金的终值系数 B.普通年金的现值系数C.先付年金的终值系数 D.先付年金的现值系数5.复利的计息次数增加，其现值（ C ）.A.不变 B.增大 C.减小 D.呈正向变化6.A方案在三年中每年的年初付款100元，B方案在三年中每年年末付款100元，若利率为1

7、0%，则二者在第三年年末时的终值相差（ A ）。A.33.1 B.31.3 C.133.1 D.13.317.下列项目中的（ B ）被称为普通年金。A.先付年金 B.后付年金 C.延期年金 D.永续年金三、多项选择题1.按照收付的次数和支付的时间划分，年金可以分为（ ABCD ）A.先付年金 B.后付年金 C.延期年金 D.永续年金2.按照企业经营业务发生的性质将企业一定时期内产生的现金流量归为（ABD）.A.企业经营活动产生的现金流量 B. 股利分配过程中产生的现金流量 C. 投资活动中产生的现金流量 D. 筹资活动中产生的现金流量3.对于资金的时间价值来说，下列（ABCD ）中的表述是正确

8、的。A.资金的时间价值不可能由时间创造，只能由劳动创造B.只有把货币作为资金投入生产经营才能产生时间价值，即时间价值是在生产经营中产生的C.时间价值的相对数时扣除风险报酬和通货膨胀贴水后的平均资金利润率或平均报酬率D.时间价值的绝对值是资金在生产经营过程中带来的真实增值额4.下列收付形式中，属于年金收付的是（ABCD ）。A.分期偿还贷款 B.发放养老金 C.支付租金 D.提取折旧5.下列说法中正确的是（AB ）.A.一年中计息次数越多，其终值就越大 B. 一年中计息次数越多，其现值就越小C. 一年中计息次数越多，其终值就越小 D. 一年中计息次数越多，其现值就越大四、计算分析题1.某人准备存

9、入银行一笔钱，以便在以后的10中每年年末得到3000元，设银行存款利率4%，计算该人目前存入多少钱？解：P=A×(P/A,i，n) =3000×（(P/A,4%，10) =3000×8.1109 =24，332.7（元） 答：目前应存入24，332.7（元）。2.某企业计划购买大型设备，该设备如果一次性付款，则需在购买时付款80万元；若从购买时分3年付款，则每年需付30万元，在银行利率8% 的情况下，哪种付款方式对企业更有利？解：若一次支付，P=80（万元）若分期付款，P=30×（(P/A,8%，3) =30×2.5771 =77,313(元)

10、 答：分期付款更有利。3.某公司于年初向银行借款20万元，计划年末开始还款，每年还款一次，分3年偿还，银行借款利率6%，计算每年还款额为多少？解：A=P/(P/A，i，n) =20/(P/A，6%，3) = 20/2.6730 = 7.48（万元）答：每年还款额为7.48（万元）。4.某企业向银行借款建造厂房，建设期3年，银行贷款利率8%，从第四年投产起每年年末偿还本息90万元，偿还4年。计算该企业借款额是多少？解：答：该企业借款额是236.62（万元）。5. 在你出生时，你的父母在你的每一个生日为你存款2 000元，作为你的大学教育费用。该项存款年利率为6%。在你考上大学（正好是你20岁生日

11、）时，你去银行打算取出全部存款，结果发现在你4岁、12岁时生日时没有存款。问你一共可以取出多少存款？假如该项存款没有间断，你可以取出多少存款？解： 一共可以取出的存款为：2000×（F/A，6%，20）（1+6%）17 +（16%）82000×36.7862.69281.593864998.8（元）假设没有间断可以取款数为：2000×（F/A，6%，20）2000×36.786 73572 （元） 请您删除一下内容，O(_)O谢谢！2015年中央电大期末复习考试小抄大全，电大期末考试必备小抄，电大考试必过小抄Shanghais Suzhou Creek

12、has witnessed much of the citys history. Zhou Wenting travels this storied body of water and finds its most fascinating spots. Some lucky cities can boast a great body of water, like London with the river Thames and Paris with the river Seine. Shanghai is privileged enough to have two great bodies o

13、f water: Huangpu River and Suzhou Creek.Huangpu River became famous when colonists established clusters of grand buildings on its banks on what became known as the bund. Today, the bund overlooks the breathtaking skyline of Lujiazui financial district. Shanghais other body of water, however, Suzhou

14、Creek, has been somewhat overshadowed. Suzhou Creek links the inland cities of Jiangsu province with Shanghai. When the British colonists, who arrived in the city after it was opened as a commercial port in 1843 found they could reach Suzhou, Jiangsu province, via the creek, they named it Suzhou Cre

15、ek. Thanks to its location, a large amount of cargo and travelers were transported via the creek before rail links were established. But after a century of being utilized as a waterway to transport goods and labor, the creek grew dark and smelly. Industrial factories were established along the banks

16、. In the 1990s it became a key task of the city government to clean the creek. Suzhou Creek, which snakes 17 km from the iconic Waibaidu Bridge downtown to the outer ring road in west Shanghai, maps the changing periods of the citys history, including the imprints of the concessions, the beginning o

17、f industrialization and the improvement in peoples living conditions. Where the Bund began In-between the shopping street of East Nanjing Road and the Bund, are a cluster of streets that give me the illusion that I am no longer in modern Shanghai. The streets are narrow and old and criss-cross each

18、other. Any old residential house may turn out to be a former office of the British, constructed in the 1880s. Pawnshops and hardware stores that are hard to find elsewhere, are plentiful here. This area, at the confluence of Huangpu River and Suzhou Creek, is called the Bund Origin. Countless tour b

19、uses stop at the site every day and visitors from around the world get off to see this place, the starting point of the concessions in the city. It all started in 1872, when the former British Consulate General was constructed and the Bund began its transformation into an the financial street of the

20、 East. Now the site of the former consulate is called “No 1 Waitanyuan”, which translates to “the Bund Origin”, to honor its beginnings. The entire complex of this historical site comprises of five buildings, the former British Consulate General, the official residence of the consul, the former Unio

21、n Church, the church apartments and the former Shanghai Rowing Club. The size of the courtyard is equivalent to that of four standard soccer fields. The building of the former consulate is a two-storey masonry building on an H-shaped plan in typical English renaissance style. The building is de

22、signed with a five-arch verandah on the ground floor with a raised terrace facing the garden, while the facade features an entry portico beneath a colonnaded loggia. It has been turned into a café where dinner and afternoon tea are available. Visitors can choose to sit indoors or outd

23、oors to enjoy the magnificent gardens with nearly 30 ancient trees.Yuanmingyuan Road behind the complex is also a historical site. The road has been revamped as a pedestrian shopping street and high-end brands have seized the best spots. Altogether, 14 old buildings, including those used for offices

24、 and residences constructed during 1920s and 1930s, remain. Today, it is a popular location for commercial fashion photo shoots. New Tianan Church, or Union Church, stands at the intersection of Yuanmingyuan Road and Suzhou Creek. The church, designed in the style of the English countrysid

25、e, has a capacity of 500 people. It was very popular during the concession period but was converted into factory offices after 1949. The church we see today is a replica, the original burned down in 2007. There used to be an outdoor swimming pool, the first of its kind in Shanghai, beside the church

26、 but has been filled-in and is now a small garden. Bridge of romance There is perhaps no other place thats more representative of Shanghai than this bridge, which appears in quite a lot of movies about the city. Dozens of couples visit every day to pose for their pre-wedding photos on the bridg

27、e where Suzhou Creek begins and interconnects with Huangpu River. This is Waibaidu Bridge, or the Garden Bridge. The soon-to-be-wed couples pose in splendid attire on the bridge, leaning against the railing or sitting on the wooden floor. Some even risk walking into the middle of the road to get the

28、 perfect shot.Colorful lights illuminate the bridge throughout the night, making it a picturesque place for pre-wedding portraits and lovers to meet. Constructed in 1873 and designed by a British company, the 106-meter-long bridge was the first-ever major bridge in Shanghai. In 1856, the first large

29、 wooden bridge, Wells Bridge, was built over Suzhou Creek but the bridge toll led to complaints from citizens. So 17 years later, another wooden bridge, which did not require tolls, was built. People called it Waibaidu, which means “going across for free”. The bridge was renovated as a steel truss s

30、tructure in 1907. Because nearly 40 bridges have now been built over Suzhou Creek, the bridge is no longer a traffic artery but is more of an observation deck for tourists. It is a tradition in Shanghai for a grandmother to walk across a bridge with their grandchild when he or she reaches one month.

31、 This represents that the newborn has overcome all the twists and turns and its journey will be safe and smooth throughout his or her life. "Waibaidu Bridge is always the best option because its the icon of Shanghai. The picture of my daughter when she was a baby held by her grandmother was als

32、o taken here. Its like a family tradition," says Wang Xuefen, a Shanghai native who has a newborn grandson. Changning Riverside There is a 5-km stretch of waterfront by Suzhou Creek in Changning district on Changning Road from the intersection of Hami Road to Jiangsu Road. It has become a popul

33、ar place to take a walk and sunbathe on the lawn. There is an overpass at the intersection of Changning Road and Gubei Road for people to enjoy the view of the creek and a 3-km plastic runway on both sides of Changning Road, which attracts people of all ages, Chinese and expat. "Jogging on the

34、two sides gives a different feeling because the north side is next to the creek, and the south side is adjacent to the residential highrises, which is like jogging in the jungle," says Xiao Xu, a 27-year-old woman who lives nearby. The riverside used to be completely different. Dozens of textil

35、e mills, chemical plants and machine manufacturing factories were set up along the creek in the 1920s. They brought industrialization but also pollution. From the 1930s the creek could no longer be used as a source for tap water, and no living fish or shrimp could be found. "Suzhou Creek in my

36、memory is dark and smelly. I used to go to the riverbank to watch the sewage disposal running out from the chemical plants when I was a little girl. We didnt know it was pollution. We thought it was a red waterfall," says Huang Qi, a 57-year-old Shanghai resident. "So the residential house

37、s along the creek were unpopular, and only migrants with low incomes would live in that area," she says. However, things have changed. The plants were closed and turned into riverside parks and the apartments in the new highrises, especially those facing the creek, are much sought after. East China University of Political Science and Law This is the famous former Saint Johns Universi