12.) Ban regulators without exception send out bank examiners once a year to their member banks

True (answered)

False

13.) With all the precautions and regulations in place, we are not likely to have another big financial crisis.

True

False (answered)

14.) Korea, as most counties in the world, is classified as a _______ based economy.

1. Market
2. Autarky
3. Bank
4. neutrality

15.) Germany is classified as a ______ based financial system.

1. The market (answered)
2. The bank
3. Neither the bank nor the market
4. dual

28. U.S. business rely mostly on _______ for their financing

1. Banks
2. Indirect finance
3. Direct finance (answered)
4. Finance companies

55. Risk management is free

1. True
2. False

59. By adopting a risk management technique banks ensure _____

1. Competition elimination
2. Risk maximization
3. Profit maximization
4. Risk reduction

62. Which does not belong in the group of financial innovation since the 1980?

1. Off balance sheet loans sales
2. Credit default swaps
3. Junk bonds
4. Atms

65. Until 2008 the average bank ROE has been around _a)____, whereas the average ROA has been around _b)______.

1. a)10% b)1%
2. a)10% b) 8%
3. a)15% b) 1.5%
4. a) 1.5% b) 10%
5. a)1% b) 10%