TTTC-ĐCTC N1

A commercial bank is a financial institution that

• Provide banking services to businesses, institutions and some individuals.

• All are incorrect

• Work as

  a banker's bank

• Offer personal services only to individuals or families.

Commercial banks generally finance trade and commerce with _____-term loans.

What is the lifeline of commercial banks?

• Deposit

• Loan

• Stock

• Bond

Which of the answer below is the type of deposit that CB provide?

• All are correct

• Current account deposits

• Fixed deposits (Time deposits)

• Savings account deposits

A loan which can be recalled on demand is called a ___ loan

and it ___ stated maturity.

• demand

  -

  does not have

• demand

  -

  has

• short-term

  -

  does not have

• cash credit

  -

  has

Commercial banks invest their surplus fund in ____ types of securities

The _______ _____ reflects the value of all assets and existing capital of the business, at the time of financial statements, so people treat the balance sheet as a snapshot. quickly all financial resources of the enterprise at a time, usually the end of the year, the end of the quarter or the end of the month.

The ___ is the interest rate the borrower has to pay to the bank when taking out a loan. Similar to the savings deposit interest rate, calculated at different rates depending on the loan and some preferential policies of the bank.

• lending

  interest rate

• compound interest rate

• borrowing interest rate

• simple

  interest rate

In the recent reductions in lending rates, ___ commercial banks have always taken the lead and this time is no exception.

• All are correct

• private

• state-owned

• All are incorrect

The reason why commercial banks reduce lending interest rates is to

• remove difficulties, open up credit flows,

  promote economic recovery and development

• keep it stable, consider and grant credit lines from state bank

• come after deposit rates tended to cool down recently

• All is correct