商业银行管理彼得s.罗斯英文原书第8版-英语试题库chap015.doc

Chapter15TheManagementofCapitalFillintheBlankQuestions 1. :exchangerisk 2. Theriskthathastodowithfraud,:crimerisk 3. 4. __________________istheamountinexcessofparvaluepaidbythebank':Surplus 5. :UndividedProfits(orretainedearnings) 6. monstock,surplus,undividedprofits,qualifyingnoncumulativepreferredstock,:Tier1 7. :BaselAgreement 8. Supplementalcapitalsuchastheallowanceforloanlosses,subordinateddebt,mandatoryconvertibledebt,intermediate-termpreferredstock,:Tier2capital 9. Whenitemsonabank'sbalancesheetaremultipliedbytheappropriaterisk-:risk-weightedassets 10. Thefactthatabankmaysufferdeficienciesinqualitycontrol,inefficienciesinproducinganddeliveringofservices,weatherdamage,putersystems,errorsinjudgmentbymanagementandfluctuationsineconomythatcouldadverselyaffectthebank':operational 11. Onedefenseagainstriskforthebankistospreadoutabank'ountsanddepositsamongawidevarietyofcustomers,ountsdifferentindustries,:portfoliodiversification 12. :geographicdiversification 13. Whenallelsefails,:owners'worth) 14. :retainedearnings 15. ponentofcapitalamongbanksis________