Hoạt động kinh doanh ngân hàng

Which of the following statements is incorrect?

• A. Demand deposits are used for payment purposes, while savings deposits are for saving purposes.

• B. Demand deposits, which are a type of non-term deposit, usually have lower interest rates than savings deposits.

• C. With non-term deposits, customers can deposit and withdraw money at any time.

• D. All VND deposits of customers are insured.Note: There are other types of deposits such as foreign currency deposits, long-term deposits, or deposits at other credit institutions (e.g., finance companies) that may not be insured.

Question 2:

If market interest rates increase, what will happen to customers with non-term savings deposits?

• A. They will immediately enjoy a higher interest rate.

• B. They have to wait until the end of the term to enjoy the new interest rate.

• C. The interest rate may be adjusted upwards to follow the market interest rate.

• D. They are not affected by fluctuations in market interest rates.

Question 3: What is the difference between a term deposit and a demand deposit?

• A. Minimum balance.

• B. Maturity period.

• C. Interest rate.

• D. Both B and C.

Question 4:

One of the effective tools for banks to attract deposits is:

• A. Decreasing lending interest rates.

• B. Increasing deposit interest rates.

• C. Reducing service fees.

• D. Both B and C are correct.

Question 5:

Deposits serve as a bridge between savers and investors because:

• A. Depositors directly invest in business projects.

• B. Deposits are used by banks to lend to investment activities.

• C. Depositors will directly receive profits from investment projects.

• D. Deposits are used to purchase investment products such as stocks.

Question 6: When talking about the types of deposits, what does "fixed deposit" mean?

• A. Demand deposits, which can be withdrawn at any time.

• B. Deposits have a fixed term, which cannot be withdrawn before the maturity.

• C. Deposits are charged interest on a daily basis.

• D. Deposits are used for daily payments.

Question 7: What are the main benefits of making a deposit?

• A. Receive interest.

• B. Withdrawals can be made at any time.

• C. Insured by the state.

• D. All of the above answers.

Question 8: Common types of deposits include:

• A. Demand deposits.

• B. Term deposits.

• C. Savings deposits.

• D. All of the above answers.

Question 9: If you need to use money urgently, what type of deposit should you choose?

• A. Long-term deposits.

• B. Demand deposits.

• C. Automatic savings deposits.

• D. Foreign currency deposits.

Question 10: You deposit VND 50,000,000 with a term of 6 months and an interest rate of 5%/year. Calculate the amount of interest received after 6 months.

• A. 625,000 VND

• B. 2,000,000 VND

• C. 1,500,000 VND

• D. 1,250,000 VND