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fm module 5

fm module 5
26問 • 2年前
  • Gleen Traifalgar
    • 通報

    問題一覧

  • 1

    Many savers today are willing to risk some of their funds in the capital markets, but not all.

    true

  • 2

    Offer liquid, government insured claims to savers, such as demand deposits, savings deposits, time deposits, and share accounts

    Deposit-Type Institutions

  • 3

    Make a variety of consumer and commercial loans (direct claims) to borrowers

    Commercial Banks

  • 4

    Make mortgage loans (direct claim) to borrowers.

    Savings and Loan Associations

  • 5

    Purchase various securities and make loans -- mortgages, consumer loans, government bonds, etc.

    Mutual Savings Banks

  • 6

    Receive share account deposits and make consumer loans. Membership requires a common bond, such as a church or labor union

    Credit Unions

  • 7

    Provide life insurance and long-term savings opportunities for savers.

    Life Insurance Companies

  • 8

    Provide auto, home insurance, purchase direct financial securities with paid-in-advance premiums from insurance purchasers.

    Casualty Insurance Companies

  • 9

    issue claims to savers or provide investment plans that allow savers to transfer wealth through time and to future generations.

    Pension Funds

  • 10

    Borrow (issue liabilities) directly from banks and directly from savers (commercial paper) and make/purchase riskier consumer and business loans.

    Finance Companies

  • 11

    Offer indirect mutual fund shares to savers and purchase direct financial assets (e.g. stocks and bonds).

    Mutual Funds

  • 12

    Offer (indirect) shares and purchase direct (commercial paper) and indirect (bank CDs) money market financial assets.

    Money Market Mutual Funds

  • 13

    Purchase securities from borrowers and repackage the payment streams, creating new securities to sell to savers. Assist borrowers in selling direct claims to savers.

    Investment Bankers

  • 14

    provide securities trading services over the Internet

    E-brokers

  • 15

    FIs then in turn lend money to funds demanders.

    true

  • 16

    FIs must then be able to accurately assess, price and monitor risks of borrowers for an economy to achieve its potential growth rate.

    true

  • 17

    Finance companies are another form of specialized lender.

    true

  • 18

    many banks did not make loans to most individuals, particularly uncollateralized loans.

    true

  • 19

    The individual savers need not investigate the riskiness of the corporate borrowers, the FI will do that

    true

  • 20

    Savings Institutions (SIs) traditionally made long term fixed rate mortgages to individuals funded by short term deposits

    true

  • 21

    This withdrawal of funds from Depository Institutions (DIs)) came to be known as disintermediation

    true

  • 22

    Credit unions cannot serve the general public as members must have a common bond in order to join.

    true

  • 23

    Some finance companies can even create the financing needed right in the store where the item is purchased in a matter of minutes because of their affiliation to manufacturers.

    true

  • 24

    that specialize in making loans to customers of a specific retailer or manufacturer.

    Sales finance institutions

  • 25

    Household Finance) that specialize in instalment loans to consumers including credit card operations and loans for manufactured and mobile homes. One of their advantages over banks is their willingness and ability to lend to high risk borrowers with low collateral.

    Personal credit institutions

  • 26

    (U.S. Bancorp Equipment Finance) that provide factoring and leasing services. Factoring is purchasing a firm’s receivables at a discount. The finance company then has the collections responsibility. Advantages of this group include industry knowledge and expertise with collections.

    Business credit institutions

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    問題一覧

  • 1

    Many savers today are willing to risk some of their funds in the capital markets, but not all.

    true

  • 2

    Offer liquid, government insured claims to savers, such as demand deposits, savings deposits, time deposits, and share accounts

    Deposit-Type Institutions

  • 3

    Make a variety of consumer and commercial loans (direct claims) to borrowers

    Commercial Banks

  • 4

    Make mortgage loans (direct claim) to borrowers.

    Savings and Loan Associations

  • 5

    Purchase various securities and make loans -- mortgages, consumer loans, government bonds, etc.

    Mutual Savings Banks

  • 6

    Receive share account deposits and make consumer loans. Membership requires a common bond, such as a church or labor union

    Credit Unions

  • 7

    Provide life insurance and long-term savings opportunities for savers.

    Life Insurance Companies

  • 8

    Provide auto, home insurance, purchase direct financial securities with paid-in-advance premiums from insurance purchasers.

    Casualty Insurance Companies

  • 9

    issue claims to savers or provide investment plans that allow savers to transfer wealth through time and to future generations.

    Pension Funds

  • 10

    Borrow (issue liabilities) directly from banks and directly from savers (commercial paper) and make/purchase riskier consumer and business loans.

    Finance Companies

  • 11

    Offer indirect mutual fund shares to savers and purchase direct financial assets (e.g. stocks and bonds).

    Mutual Funds

  • 12

    Offer (indirect) shares and purchase direct (commercial paper) and indirect (bank CDs) money market financial assets.

    Money Market Mutual Funds

  • 13

    Purchase securities from borrowers and repackage the payment streams, creating new securities to sell to savers. Assist borrowers in selling direct claims to savers.

    Investment Bankers

  • 14

    provide securities trading services over the Internet

    E-brokers

  • 15

    FIs then in turn lend money to funds demanders.

    true

  • 16

    FIs must then be able to accurately assess, price and monitor risks of borrowers for an economy to achieve its potential growth rate.

    true

  • 17

    Finance companies are another form of specialized lender.

    true

  • 18

    many banks did not make loans to most individuals, particularly uncollateralized loans.

    true

  • 19

    The individual savers need not investigate the riskiness of the corporate borrowers, the FI will do that

    true

  • 20

    Savings Institutions (SIs) traditionally made long term fixed rate mortgages to individuals funded by short term deposits

    true

  • 21

    This withdrawal of funds from Depository Institutions (DIs)) came to be known as disintermediation

    true

  • 22

    Credit unions cannot serve the general public as members must have a common bond in order to join.

    true

  • 23

    Some finance companies can even create the financing needed right in the store where the item is purchased in a matter of minutes because of their affiliation to manufacturers.

    true

  • 24

    that specialize in making loans to customers of a specific retailer or manufacturer.

    Sales finance institutions

  • 25

    Household Finance) that specialize in instalment loans to consumers including credit card operations and loans for manufactured and mobile homes. One of their advantages over banks is their willingness and ability to lend to high risk borrowers with low collateral.

    Personal credit institutions

  • 26

    (U.S. Bancorp Equipment Finance) that provide factoring and leasing services. Factoring is purchasing a firm’s receivables at a discount. The finance company then has the collections responsibility. Advantages of this group include industry knowledge and expertise with collections.

    Business credit institutions