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1. Selection 1. Which type of financial institution provides services of stock trading, IPOs, merger and acquisitio A A. Investment Bank B.Commercial Bank C.Mutual Fund of money indicates 2.From the Quantity Theory of Money, the concept of the average number of times a dollar is spent per year. A.Velocity B. Output C. Price level 3. Which of the following macroeconomic index a central bank likes to target? A. Inflation rate B. Net export C. Government expenditure 4.In the open market operations, when the central bank sells 1 billion-worth bonds to the market, it has the same amount money from (to) the market. A. Recollected B. Injected C. done nothing 1. Selection 5.According to the conclusions by economists and researchers, the 2007- 2009 financial crisis in United States can be mainly attributed to which of the following? A. The subprime mortgage B. stock price bubbles C. Default on sovereign debt 6. A curve that plots the yields of bonds with differing terms to maturity but with the same risk, liquidity and tax consideration is called A. A yield curve B. a yield spread curve C. a bond term structure curve 7. According to Keynesian Theory of Money Demand, the motive that people hold money in case of unexpected things is A. Speculative B. Transaction C. precautionary. 1. Selection 8. The type of bank that provides services of stock trading, IPOs, merger and acquisition is a(an) A. Investment Bank B.Commercial Bank C. Retail Bank 9.From the Quantity Theory of Money, the equation MV=PY infers that the money people demand is negatively correlated with ( ) A. Velocity B. Output C. Price level 10.If the exchange rate of US Dollar to Hong Kong Dollar was USD:HKD=1.00:7.60 last Tuesday, and it has become USD:HKD=1.00:7.85 this morning, the US Dollar has ( ) against the Hong Kong Dollar. A. appreciated B. depreciated C. Neither 1. Selection 11.During bank panics, the is believed to be an effective instrument to relieve depositors' worry in a bank's capability and regain trust. A.Deposit insurance B. Emergency Insurance C. CEO's promise 12.According to the conclusions by economists and researchers, was the main cause for the occurence of the 2007-2009 financial crisis in United States. A. The subprime mortgage B. The dollar weakness C. Default on sovereign debt 13. The regulation on banks has a main purpose of A.collecting tax B. minimizing information asymmetry C.controlling the market 2. True or False 1.The Quantity Theory of Money states that if the output and price leave are held constant, the high the velocity of money, the less the quantity of money that needs to be supplied. 2.A commercial bank should possess adequate capital in case of a bank run and panics affecting the normal operations of a bank. 3.Based on the description of the 2007-2009 financial crisis, at the beginning the fall of the prices in housing market caused a large number of defaults on loans and housing mortgages, made the commercial banks and other big financial institutions in stressed financial status, and finally led to a global financial crisis. 4.Foreign exchange market is a global financial market where investors, traders, corporations and individuals exchange currencies at some exchange rates. It is just exactly like a stock exchange with standard currency exchange contracts. 2. True or False 9. The CEO of a commercial bank would prefer to make short-term loans if he believes interest rates are going to rise in the near future. 10.Unsecured loans usually have no collaterals to back them. 11. The Fed of the USA directly bought debts and asset-backed securities of banks and other financial institutions since late 2008 during the financial crisis. Such a policy should be classified as nonconventional. 12.The International Monetary Fund (IMF) is the international financial organization responsible for making The Basel Accord, a well-accepted international standard and guidance for bank capital adequacy. 2. True or False 5. The T-account is adopted to analyze the balance sheet of a commercial bank. 6. During the sovereign debt crisis of Europe, countries like Greece spent much more money than it can earn from its fiscal revenues, resulting a failure in paying back the principal and interests on the bonds. 7. Financial crises start in advanced countries like the United States in two ways: credit booms and busts, or a general increase in uncertainty when major financial institutions fail, based on the research from ecnonomists. 8.Foreign exchange market is a global financial market where investors, traders, corporations and individuals exchange currencies at some exchange rates. It is just exactly like a stock exchange with standard curren