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WorksheetsTrắc nghiệm QTNHTM bằng TA
Total questions: 77
Worksheet time: 1hrs 17mins
Which of the following statements is False?
A Fiat money is not legal tender
Financial intermediaries offer fisk transformation and maturity transformation
The State Bank of Vietnam may act as a lender of last resort
Money acts as medium of exchange
Financial intermediation is the process that the financial intermediaries connect and.... by transferring funds from one side to another.
Banks and account holders
Borrowers and lenders
Borrowers and securities firms
Investors and lenders
……. is a market for lending & borrowing of short- term funds.
Money market
Primary market
Capital market
Global market
In this market, securities with MORE than one year maturity are traded:
<A>Money market
Capital market
Global market
Domestic market
Which of the following are characteristic of a financial intermediary?
It prints money
It act as the lenders of last resort
It helps to reduce government budget deficit
It connects borrowers to lenders
Money as a medium of exchange BEST represents that money can be used:..
to purchase goods and service
as deferred payment for debts.
as savings for its anticipated future value
to represent a dollar value for a product
.What is NOT a task of a commercial bank
Act as the lender of last resort
Make loans and take deposits.
Invest in securities and other financial products
Provide financial advice
Which of the following statements is false?
Commercial banks take deposits and extend credit
Financial markets connect lenders and borrowers
Money serves as a standard of deferred payment
Securities with LESS than one year maturity are traded on primary market
Which following statement is TRUE?
Credit risk arises when borrowers fails to fulfill its financial obligations to the bank
Liquidity risk arises when banks fail to fulfil required reserve
Commercial banks in Vietnam operate under the Law of Commercial Banks
Commercial banks in Vietnam are supervised by Ministry of Finance
According to current law, which of the following organizations is allowed to receive DEMAND deposits in Vietnam: :
Commercial banks
Finance company
People's Credit Fund
Commercial banks;Finance company; People's Credit Fund
According to current law, which of the following organizations is allowed to receive deposits in Vietnam:
Commercial banks
Finance company
People's Credit Fund
Commercial banks; Finance company; People's Credit Fund
.Which following statement is TRUE? .
Finance company are not allowed to provide payment services through current accounts in Vietnam
All credit institutions are allowed to provide payment services through current accounts in Vietnam
Only state-owned commercial banks are allowed to provide payment services through current accounts in Vietnam
Only big commercial banks are allowed to provide payment services through current accounts in Vietnam
A commercial banks take short-term deposits to partially lend to medium-term project. This describes the function of :
Maturity transformation
Credit extension
Create money
Take deposits
Which following statement is TRUE?
Business activities of commercial banks are low risk
Business activities of commercial banks are not related to other sectors in the economy
Business activities of commercial banks depend on the trust and credibility from customers
Business activities of commercial banks are not strictly regulated
Which of the following statements about liquidity risk of commercial banks is TRUE? corpse?
Liquidity risk is the loss of money during the payment process
Liquidity risk arises when banks fail to fulfil required reserve
Liquidity risk arises when borrowers could not repay their money
Liquidity risk arises when commercial banks lacks fund to meet the payment request, and deposits withdrawal
The goals of monetary policy do NOT include the promotion of
EASY Maximum employment
Stable Presari
Moderate long-term interest rates
Low taxes
The goals of monetary policy do NOT include the promotion of
Maximum employment
Low government budget deficit
Moderate long-term interest rates
Stable prices goals
The of monetary policy do NOT include the promotion of
Maximum employment
Increase income equality
Stable prices
Moderate long-term interest rates
The goals of monetary policy do NOT include the promotion of
Maximum employment
Stable prices
Attract foreign direct flow (FDI)
Moderate long-term interest rates
Inflation is a sustained increase in the general level of
Accounts
Prices
Income
Profit
Which of these is NOT a monetary policy tool?
Discount rate
Income tax rate
Open market operations
Reserve requirements
Monetary policy refers to the control of ………..and …….in the and economy.
Taxes and government revenue
Interest and government debt
Foreign currency and gold reserves
Money and credit
What is not a task of a central bank?
Taking deposits from individuals, and households
Printing money
Supervising the banking systems
Conducting the monetary policies
What is not a task of a central bank?
Control the interest rate and exchange rate
Provide financial advice to individuals, and house holds
Act as the bank of all the bankers
Acts as the bank of the government
Which following statement about the State Bank of Vietnam (SBV) is FALSE?
SBV is highly independent from the government
It acts as the monetary authority of the country
It controls the money supply
The central banks can act as the banks of the government
Which following statement about the State Bank of Vietnam is TRUE?
It is a ministerial-level agency of the government
It supervises the stock markets
It conducts the fiscal policies
It sets the income tax rate
Which following statement about the central bank is FALSE?
Central banks implements the fiscal policies
Central bank is the monopoly to issue bank notes
The central banks can act as the banks of the government
The central banks can act as the banks of the commercial banks
Which following statement about the State Bank of Vietnam is FALSE?
The State Bank of Vietnam can act as the banks of the government
The State Bank of Vietnam can act as the lender of last resorts
The State Bank of Vietnam is a ministerial-level agency of the government
The State Bank of Vietnam's main responsibility is to finance state budget deficit
Which following statement about the State Bank of Vietnam is TRUE?
The State Bank of Vietnam supervises the stock markets
The State Bank of Vietnam supervise state-owned commercial banks
The State Bank of Vietnam highly independent from the government
The State Bank of Vietnam's main responsibility is to conduct monetary policy
In most countries, which one control the banking system?
The commercial bank
The central bank
The World bank
The investment bank
What is the official name of the central bank of Vietnam?
The Federal Reserve
The Bank of Vietnam
The State Bank of Vietnam
The Vietnam Bank
Bank notes are issued by...?
Ministry of Finance
The State Bank of Vietnam
The government
Commercial banks
Controlling the money supply to achieve desired macroeconomic goals is called....?
fiscal policy.
industrial policy
monetary policy
macro-economic policy
The central banks's monetary policy tool includes:
the discount rate the discount rate; The reserve requirement rate
the reserve requirement rate; the Open market operation
the discount rate; the reserve requirement rate, the Open market operation
The reserves that a bank is required by law to keep on hand to back up its deposits are called
required reserves
actual reserves
excessive reserve
discretionary reserve
What happens when the central bank BUY government securities on OMO market (given other monetary tools unchanged)?
The demand for money increases
The demand for money decreases
The money supply decreases
The money supply increases
What happens when the central bank SELL government securities on OMO market (given other monetary tools unchanged)?
The demand for money increases
The demand for money decreases
The money supply decreases
The money supply increases
Which of the following functions of a central bank may potentially conflict with its monetary policy role? 1. Supervisor of the banking system. 2. Banker to the banking system. 3. Manager of the national debt. 4. Banker to the government.
3 and 4
1 and 4
2 and 4
2,3 and 4
Which of the following are commonly functions of the central bank? 1. Conduct of monetary policy. 2. Lending to the general public. 3. Supervising the stock-market. 4. Lending to the commercial banking system.
1 and 4
1 and 3
1,2 and 4
2 and 4
The function of issuing money of the Central Bank is shown through which:
The Central Bank has a monopoly to issue banknotes, As a lender of last resort to credit institutions.
The central bank has a monopoly to issue banknotes; Being the lender of last resort to credit institutions and formulating and implementing national monetary policy.
The central bank has a monopoly to issue banknotes and participates in and controls the creation of money by commercial banks.
The Central Bank has a monopoly to issue banknotes and organizes payments between commercial banks
Nowadays, the issuance of money by the Central Bank is based on:
On the basis of a gold guarantee
On the basis of a silver guarantee.
On the basis of the amount of foreign exchange reserves of the country
On the basis of value of the goods
The central bank receiving deposits from the Treasury represents which function of the central bank:
The bank of commercial banks
A State Bank
Money issuance
The regulator of commercial banks
Which of the following shows the central bank's function as a state bank?
The central bank is the sole authority to issue cash
Central Bank receives deposits from credit institutions
Central Bank is the lender of last resort to credit institutions.
The central bank formulates and implements the national monetary policy
Which of the following shows the central bank's function as a state bank?
The Central Bank receives deposits from the State Treasury.
The central bank is the exclusive entity that issues cash.
Central Bank accepts deposits from credit institutions.
Central Bank is the lender of last resort to credit institutions.
If the central bank wants to promote investment and expand production:
Central Bank implements monetary policy in the direction of "tightening"
The central bank raises the rediscount rate.
The central bank increases the reserve requirement ratio.
The Central Bank "easing" monetary policy
If the central bank wants to control inflation:
Central Bank will expand the subject of required reserve deposits
Central Bank implements expansionary monetary policy
Central Bank increases the purchase of valuable papers on the open market
The Central Bank increased buying foreign currency on the foreign exchange market
What is NOT a characteristic of sight deposits/demand deposit?
Relatively low liquidity
convertibility into cash on demand
low or zero interest payments
Have high fluctuations in closing balance
banks pays interest on
deposits, Certificate of deposits
loans and advance to customers
payment service provied to customers
funds contributed by banks' shareholders
what does NOT belong to bank's mobilized capital
shareholders' equity capital
deposits
certificate of deposits and other valuable papers
borrowing from other financial institutions
term deposits is otherwise called as
demand deposits
time deposits
accrued deposits
recurring deposits
sight deposits is otherwise called as
demand deposits
time deposits
recurring deposits
accrued deposits
when banker received deposits from the customer, then the banker becomes ...... of the customer
debtor
creditor
beneficiary
trustor
which type of deposits mainly used for saving and interest rate-earning purpose?
demand deposits and saving deposits
term deposits and demand deposits
saving deposits and term deposits
recurring deposits and demand deposits
which type of deposits mainly used for payment purpose
saving deposits
time deposits
demand deposits
certificate deposits
which type of account have high fluctuation in its balance
current account
saving account
fixed deposits
overdraft deposits
which type of accounts allows depositors to overdraw the amount from his/her account
saving accounts
current account with overdraft limit
fixed deposits
saving deposits
According to current regulations in Vietnam, bank deposits include
current deposit, term deposit, savings deposit, money raised from issuance of valuable papers
term deposit, savings deposit, current deposit
term deposit, savings deposit
current deposit, term deposit, savings deposit
which of the following statements is true about capital raised from issuinng valuable papers
a source of infrequent mobilization
a regularly mobilized capital
a long-term mobilized capital
a source with low cost of capital
the short-term mobilized capital of commercial banks includes
short-term deposits, promissory notes, short-term certificates of deposit
short-term deposits, certificates of deposit
short-term deposits, short-term certificates of deposit
short-term deposits, certificates of deposit, promissory notes
the medium and long-term mobilized capital of commercial banks includes
medium and long-term deposits, bonds, certificates of deposit medium and long-term
medium and long-term deposits, bonds, certificates of deposit
medium and long-term deposits, bonds, promissory notes
medium and long-term deposits, promissory notes, certificates of deposit
which of the following statements is NOT true bond issuance
can raise capital in short, medium and long-term
can raise large capital
deposit interest rates are usually higher than other deposits
each issuance must be approved by state management agency in charge of securities issuance
which of the following statements is true about raising capital through issuing certificates of deposit?
only mobilizing short-term capital
only mobilize medium and long-term capital
can mobilize short-term, medium-term and long-term capital
each issuance must be approved by the state regulatory agency in the field of securities
which of the following statements is true about the promissory note of commercial banks
as a tool for commercial banks to mobilize short-term capital
as a tool to mobilize medium and long-term capital
as a tool to mobilize short, medium and long-term capital
as a tool for regular capital mobilization of the bank
which of the following statements is NOT true about current(payment) deposits?
very sensitive to market interest rates
very sensitive to the quality of the bank's payment service
insensitive to volatility of alternative investment channels
not sensitive to market interest rates
which of the following statements is true about current (payment) deposits?
cutomers deposit to earn interest
cutomers deposit to use payment services
cutomers deposit to earn interest, use payment services
cutomers deposit to earn interest, secure assets and use payment services
which of the following statements is NOT true about payment deposits?
for corporate customers only
for corporate who want to use the bank's payment service
deposit balance has a higher fluctuation than other types of deposits of commercial banks
customers often earn low interest rates
which of the following statements is NOT true about payment deposits?
customers enjoy low or no interest rates
the quality of payment service determines the interest rate of payment deposits
interest rate is not a factor that customers care about when depositing money
quality of pament service is a factor that customers care about
which of the following statements is true about savings deposit?
is a deposit reserved for individual customers, deposited to earn interest
as a term deposit, customers deposit to enjoy interest
as a term deposit
customers deposit to earn interest
which types of valuable papers that commercial banks can issue to raise capital?
bonds, certificates of deposit, promissory notes
bonds, term deposits, promissory notes
certificate of deposit, promissory note
bonds, certificates of deposit
which types of valuable papers commercial banks can issue to raise short-term capital?
short-term certificates of deposit, promissory notes
certificate of deposit, promissory note
certificates of deposit, bonds
short-term certificates of deposit, bonds
which types of valuable papers commercial banks can issue to raise medium and long-term capital?
mid-term and long-term certificates of deposit, bonds
certificate of deposit, promissory note
certificate of deposit, bonds
bonds, promissory notes
which following statement is TRUE?
business activities of commercial banks are low risk
the state bank of vietnam is independent from the government
to raise medium and long-term capital, commercial banks can issue Mid-term and long-term certificates of deposit, bonds
business activities of commercial banks are not strictly regulated
which following statement is FALSE?
business activities of commercial banks depend on the trust and credibility from customers
the state bank of Vietnam is the central bank in Vietnam
Key businesses of commercial banks are receiving deposits, lending and providing payment services
to raise short-term capital, commercial banks can issue bonds
which following statement is FALSE?
Key business activities of commercial banks are taking deposits, and extending credit, providing payment services
the ultimate goal of monetary policy is economic growth, currency stability and low unemployment
the state bank of Vietnam is the central bank in Vietnam
The intermediate goal of monetary policy is economic growth, currency stability and low unemployment
the great advantage of using ............ for payments is that you don't have to carry large amounts of cash around with you
checks
bills of exchange
promissory notes
the remaining amount of money in an account is called:
credit
debit
balance
debt
a customer can deposit and withdraw the money in a .............. at any time without waiting for a period of time
demand deposit account
time deposit account
savings account
time deposit account and savings account
