電大金融統(tǒng)計(jì)分析形成性考核冊(cè)作業(yè)1-4參考答案資料小抄(最新電大參考答案)(存儲(chǔ)版)
【正文】 四、簡(jiǎn)答題。 （ 5）銀行或金融機(jī)構(gòu)：通過(guò)借外債能夠加強(qiáng)債務(wù)國(guó)和債權(quán)國(guó)在金融領(lǐng)域的俁作，增強(qiáng)債務(wù)國(guó)經(jīng)營(yíng)和管理國(guó)際資本的能力，最終有利于促進(jìn)國(guó)際間經(jīng)濟(jì)貿(mào)易合作的開(kāi)展。 簡(jiǎn)述資產(chǎn)業(yè)務(wù)統(tǒng)計(jì)的主要內(nèi)容。 （ 2）美國(guó)在商品項(xiàng)下借記 1 萬(wàn)美元；美國(guó)在短期資本帳下貸記工員萬(wàn)美元，因?yàn)槟鞲绾兔绹?guó)提供的短期貿(mào)易融資使美國(guó)負(fù)債增加。 存款穩(wěn)定率 存款穩(wěn)定率是指銀行存款中相對(duì)穩(wěn)定的部分與存款總額的比例，其計(jì)算式是： 存款穩(wěn)定率 =（定期儲(chǔ)蓄存款 +定期存款 +活期存款 *活期存款沉淀率） /存款總額 *100% 該指標(biāo)反映了銀行存款的穩(wěn)定程度，是掌握新增貸款的數(shù)額和期限長(zhǎng)短的主要依據(jù)。即將各項(xiàng)負(fù)債集中起來(lái)，按照銀行的需要進(jìn)行分配，在分配資金時(shí)常首先考慮其流動(dòng)性。 (1)規(guī)模變動(dòng)對(duì)收益的影響。贏利水平高的銀行通常人均創(chuàng)造的收入和管理的資產(chǎn)更多一些，生產(chǎn)率較高的雇員的薪水通常也較高。這種方法評(píng)價(jià)貸款質(zhì)量的標(biāo)準(zhǔn)是多維的，包括貸款人償還本息的情況、貸款人的財(cái)務(wù)情況、借款的目的和使用、信貸風(fēng)險(xiǎn)及控制、信貸支持狀況等。 解： 3 年期商業(yè)貸款的有效持續(xù)期是 （ 119/+2*119/ 178。 violence, and lack of suitability for children39。s death. Through bravery and wit, Nezha finally broke into the underwater palace and successfully defeated him. The film shows various kinds of attractive sceneries and the traditional culture of China, such as spectacular mountains, elegant sea waves and exquisite ancient Chinese clothes. It has received a variety of awards. Havoc in Heaven The story of Havoc in Heaven（ Chinese: 大鬧天宮） is based on the earliest chapters of the classic story Journey to the West. The main character is Sun Wukong, aka the Monkey King, who rebels against the Jade Emperor of heaven. The stylized animation and drums and percussion acpaniment used in this film are heavily influenced by Beijing Opera traditions. The name of the movie became a colloquialism in the Chinese language to describe someone making a mess. Regardless that it was an animated film, it still became one of the most influential films in all of Asia. Countless cartoon adaptations that followed have reused the same classic story Journey to the West, yet many consider this 1964 iteration to be the most original, fitting and memorable, The Golden Monkey Defeats a Demon【金猴降妖】 The Golden Monkey Defeats a Demon (Chinese: 金猴降妖 ), also referred as The Monkey King Conquers the Demon, is adapted from chapters of the Chinese classics Journey to the West, or Monkey in the Western world. The fiveepisode animation series tells the story of Monkey King Sun Wukong, who followed Monk Xuan Zang39。s natural scenery. Pleasant Goat and Big Big Wolf【喜洋洋與灰太狼】 Pleasant Goat and Big Big Wolf (Chinese:喜羊羊與灰 太狼 ) is a Chinese animated television series. The show is about a group of goats living on the Green Pasture, and the story revolves around a clumsy wolf who wants to eat them. It is a popular domestic animation series and has been adapted into movies. Nezha Conquers the Dragon King（ Chinese: 哪吒鬧海） is an outstanding animation issued by the Ministry of Culture in 1979 and is based on an episode from the Chinese mythological novel Fengshen Yanyi. A mother gave birth to a ball of flesh shaped like a lotus bud. The father, Li Jing, chopped open the ball, and beautiful boy, Nezha, sprung out. One day, when Nezha was seven years old, he went to the nearby seashore for a swim and killed the third son of the Dragon King who was persecuting local residents. The story primarily revolves around the Dragon King39。s animation outpouring that are not to be missed. Let39。本行新增額占比要低于農(nóng)業(yè)銀行，由于兩行余額占 比相差不大，這一現(xiàn)象需要高度重視。貸款五級(jí)分類(lèi)法是一套對(duì)銀行的貸款質(zhì)量進(jìn)行評(píng)價(jià)并對(duì)銀行抵御貸款損失的能力進(jìn)行評(píng)估的系統(tǒng)方法。高收益的銀行傾向于擁有更多的收益資產(chǎn)。是指商業(yè)銀行在資產(chǎn)負(fù)債管理過(guò)程中，通過(guò)建立各種比例指標(biāo)體系以約束資金運(yùn)營(yíng)的管理方式。 商業(yè)銀行資產(chǎn)負(fù)債管理的主要方法。這是由于 B 銀行利率敏感性資產(chǎn)占比較大的比重，從而必須承受較高利率風(fēng)險(xiǎn)的原因。 以美國(guó)為例，分析說(shuō)明有關(guān)情況在編制國(guó)際收支平衡表時(shí)如何記帳。 （ 4）對(duì)外債的依賴性：如果外債使用不當(dāng)，不能創(chuàng)匯，或不能帶來(lái)足以還本付息的外匯，債務(wù)國(guó)就不得不繼續(xù)舉新債來(lái)還舊債，結(jié)果使債務(wù)國(guó)對(duì)外債產(chǎn)生依賴性，并有可能另重。 （ 3）就業(yè)：通過(guò)借外債增加國(guó)內(nèi)的生產(chǎn)投入，開(kāi)辟新行業(yè)，建立析企業(yè)，能吸收大批的待業(yè)人員，經(jīng)過(guò)培訓(xùn)后，不但提高了本國(guó)的就業(yè)率，而且提高了勞動(dòng)國(guó)物素質(zhì)。 利率敏感性 資產(chǎn) 利率敏感性 資產(chǎn)是指那些 在市場(chǎng)利率發(fā)生變化時(shí)，收益率或利率能隨之發(fā)生變化的資產(chǎn)，即利率風(fēng)險(xiǎn)暴露的資產(chǎn)。 先計(jì)算人民幣對(duì)各個(gè)外幣的變動(dòng)率 對(duì)美元：（ ） *100%=%，即人民幣對(duì)美元升值 % 對(duì)日元：（ ） *100%=%，即人民幣對(duì)日元升值 % 對(duì)英鎊：（ ） =%，即人民幣對(duì)英鎊貶值 % 對(duì)港幣：（ ） =%，即人民幣對(duì)港幣貶值 % 對(duì)德國(guó)馬克：（ ） =%，即人民幣對(duì)美元升值 % 對(duì)法國(guó)法郎：（ ） =%，即人民幣對(duì)美元升值 % 以貿(mào)易比重為權(quán)數(shù)，計(jì)算綜合匯率變動(dòng)率： （ %*20%） +（ *25%） +（ %*15%） +（ %*20%） +（ %*10%） +（ %*10%） =% 從總體上看，人民幣升值了 % 金融統(tǒng)計(jì)分析 形成性考核冊(cè)作業(yè) 3參考答案 一、單選題 C D A C A D C B C B 二、多選題 ABCDE ABC
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