2022大学慕课答案 金融学基础(电子科技大学)1467140580 最新大学MOOC满分章节测试答案

本答案对应课程为:点我自动跳转查看
本课程起止时间为:2022-02-24到2022-06-30

模块一：金融和金融系统 《模块一：金融和金融系统》单元测验

小提示:本节包含奇怪的同名章节内容

1、 问题:A business firm’s decision between financing the purchase of a delivery van by taking out a loan or by leasing is an example of (                 )
选项：
A:capital-budgeting decision
B:working capital management decision
C:capital structure decision
D:risk management decision
答案: 【capital structure decision】

2、 问题:In order to protect against a drop in price of the stocks you hold, you decide to lock in stock prices by signing a contract with financial intermediaries. What is the type of financial decision you make in the example? (                 )
选项：
A:Consumption and saving decision
B:Investment decision
C:Financing decision
D:Risk-management decision
答案: 【Risk-management decision】

3、 问题:Suppose you want to invest in the U.S. Treasury bills (T-bills). The minimum denomination is $100,000 and you have only $1,000. Therefore, you choose to invest your $1,000 in U.S. T-bill mutual funds at a price of $10 per share. Which function of financial systems does the mutual fund perform in doing this way? (                   )
选项：
A:polling resources and subdividing shares
B:providing information
C:clearing and settling payments
D:dealing with incentive problem
答案: 【polling resources and subdividing shares】

4、 问题:In following businesses, ①—>②—>③ is the order of flow of funds of  （              ）
选项：
A:You buy an insurance policy and insurance company then uses premiums to buy bonds
B:You buy some bonds issued by China Construction Bank (CCB) and CCB then makes loans to families and firms
C:You buy bonds
D:You deposit your money into banks and banks then make loans to firms
答案: 【You buy some bonds issued by China Construction Bank (CCB) and CCB then makes loans to families and firms】

5、 问题:The discipline of finance is devoted to understanding resource allocation problems of a particular nature. The two distinguishing characteristics of financial decisions are (             ）
选项：
A:the roles of time and conditions of uncertainty
B:assets and liabilities
C:human and financial capital
D:time and natural resources
答案: 【the roles of time and conditions of uncertainty】

6、 问题:Investment banks’ primary function is not to  (                          )
选项：
A:underwrite the securities they distribute
B:help business or governments raise funds to finance their activities by issuing securities
C:facilitate and sometimes initiate mergers of firms or acquisitions of one firm by another
D:take deposits and make loans
答案: 【take deposits and make loans】

7、 问题:Which of the following statements is not true? (                  )
选项：
A:Financial institutions exist in order to facilitate the satisfaction of people’s consumption preferences
B:Finance is the study of how people allocate scarce resources over time and under conditions of uncertainty
C:Usually, we can know the costs and benefits of financial decisions with certainty in advance
D:Financial system involves the regulatory bodies that govern financial markets, financial intermediaries and financial service firm
答案: 【Usually, we can know the costs and benefits of financial decisions with certainty in advance】

8、 问题:In the corporate form, the separated structure creates the potential for (                 ) between owners and managers.
选项：
A:increased transactional costs
B:a conflict of interest
C:stability in relations
D:none of the above
答案: 【a conflict of interest】

9、 问题:The roles of time and conditions of uncertainty are the two distinguishing characteristics of financial decisions
选项：
A:正确
B:错误
答案: 【正确】

10、 问题:Stock is one of the financial instruments traded on the money market.
选项：
A:正确
B:错误
答案: 【错误】

11、 问题:The fact that banks are less likely to make loans to applicants who cannot provide the collaterals is an example of moral hazard.
选项：
A:正确
B:错误
答案: 【错误】

12、 问题:The fact that banks that do checks of the credit history of potential borrowers are more likely to attract higher quality borrowers than banks that do not check the credit history is an example of moral hazard.
选项：
A:正确
B:错误
答案: 【错误】

13、 问题:The fact that you are less likely to take care of yourself when you have bought a health insurance than when you have not been insured is an example of adverse selection.
选项：
A:正确
B:错误
答案: 【错误】

14、 问题:In the financial system, the flow of funds must be bundled with the flow of risks.
选项：
A:正确
B:错误
答案: 【错误】

15、 问题:Because of the moral hazard caused by asymmetric information about the true types of borrowers, a bank without checking borrowers’ credit history were more likely to attract borrowers with poor quality compared to banks that did checks of credit history.
选项：
A:正确
B:错误
答案: 【错误】

16、 问题:The goal of corporate management is to maximize the firm’s profits.
选项：
A:正确
B:错误
答案: 【错误】

17、 问题:Generally, high-quality old cars do not tend to enter the “second-hand car” market just because of the moral hazard problem.
选项：
A:正确
B:错误
答案: 【错误】

18、 问题:一家企业正在决策是通过融资租赁还是银行贷款来购买设备的决策属于(                 )
选项：
A:资本预算决策
B:营运资本管理决策
C:资本结构决策
D:风险管理决策
答案: 【资本结构决策】

19、 问题:为了防止手头外汇产品的价格下跌，你与一家金融中介签订合同锁定将来的汇率。你的决策属于（     ）
选项：
A:消费与储蓄决策
B:投资决策
C:融资决策
D:风险管理决策
答案: 【风险管理决策】

20、 问题:每份美国国债的面值高达$100,000，现有一位投资者拟将手头的$1,000投资于美国国债。然而，由于$1,000的资金不足以让该投资者参与国债交易，于是，该投资者以每份$10的价格，购买了100份的专门投资美国国债的共同基金。该例中，共同基金主要发挥了（                     ）的金融系统功能。
选项：
A:提供信息
B:集合资源和分割股份
C:支付和结算
D:处理激励问题
答案: 【集合资源和分割股份】

21、 问题:在金融系统中，以下哪种活动的资金流动顺序按照图示①—>②—>③ 的顺序进行？  （              ）
选项：
A:你购买一份保险，而后保险公司将保费收入投资于国债
B:你购买中国建设银行发行的债券，建行利用发行所得发放贷款
C:你购买国债
D:你将资金存入银行，而后银行将其作为贷款发放
答案: 【你购买中国建设银行发行的债券，建行利用发行所得发放贷款】

22、 问题:通常而言，下列不属于投资银行主要业务的是（                 ）
选项：
A:承销证券
B:帮助企业公开上市
C:兼并收购
D:吸收存款和发放贷款
答案: 【吸收存款和发放贷款】

23、 问题:下列说法错误的是 (                  )
选项：
A:金融机构和金融市场的存在方便了人们在时间和风险维度上资源的配置
B:金融学是研究人们如何在不确定环境进行稀缺资源配置的一门学问
C:通常而言，人们可以准确估计某个投资项目未来的成本和收益
D:金融系统包括金融市场、金融中介、金融服务公司和监管机构等
答案: 【通常而言，人们可以准确估计某个投资项目未来的成本和收益】

24、 问题:金融决策往往涉及跨时期和不确定环境下的决策
选项：
A:正确
B:错误
答案: 【正确】

25、 问题:股票是货币市场的一种金融产品。
选项：
A:正确
B:错误
答案: 【错误】

26、 问题:银行通常不愿意给无法提供抵押品的潜在贷款申请者提供贷款，这属于一种道德风险行为
选项：
A:正确
B:错误
答案: 【错误】