課程名稱︰財務金融實務研討(花旗銀行)
課程性質︰財金系.所選修(U字頭)
課程教師︰何憲章
開課學院：管理學院
開課系所︰財金系
考試日期（年月日）︰2007.04.18
考試時限（分鐘）：
是否需發放獎勵金：是 謝謝
（如未明確表示，則不予發放）
試題 :
1.Which of the following is most common and effective way for hedging market
risk of cash bond position in Taiwan Government Bond market?
(1) Bond Futures
(2) Bond Swaps
(3) Bond Option
(4) Bond Index
2.Which of the following is the largest iissuance and 2nd trading volume in
Taiwan bond market?
(1) Government Bond
(2) Corporate Bond
(3) Convertible Bond
(4) Asset Backed Securities
3.Which of the following(s) is/are the necessary term(s) od a traditional bond
(1) Tenor
(2) Coupon rate
(3) Principal and way od redemption
(4) Issuer
(5) All of the above
4.The combination of structured product are
(1) vanilla product and derivatives
(2) bond ans stock
(3) futures and options
(4) CD and NCD
5.Under the normal situation, which of the following(s) will cause the interest
rates go up?
(a)Central Bank is going to tighten the monetary policy
(b)The huge money supply expects to be injected in the future
(c)The inflation pressure is coming soon
(d)The government bond issuance are expected very high in the future
(1) a.b.c
(2) a.c.d
(3) a.d
(4) All of the above
6.Which of the following(s) is/are the function of structured products?
(1) Return enhancement
(2) Hedge
(3) Customization
(4) Principal protection
(5) All of the above
7.Which of the following is the usual way to reach the target of "Principal
protection" on the structured products?
(1) Sell option + buy normal bonds
(2) Buy very high-yield but low credit rating corporate bond
(3) Buy stock directly
(4) Buy option + buy zero coupon bond
8.What is the most important factor when Citibank assesses a company's
management team?
(1) Equity size
(2) Industry background
(3) Integrity
(4) Technology background
9.For Citibank's perspective, which of the following is always the first
way-out provided by a customer?
(1) Customer's cash injection plan
(2) Positive net operating cash generated
(3) Customer's cash on hand
(4) Support by the parent
10.What does an increasing Days Receivable of a company might suggest?
(a)Decreased operating cash inflow
(b)Increased operating cash inflow
(c)The company's credit policy became more lenient
(d)The company's bargaining power over its client is declining
(e)The company is losing qualified customers
(1) a.d.e
(2) b.c.d
(3) a.c.e
(4) a.c.d
11.Which one does Citibank try to avoid when starting a new relationship
with a company?
(1) Proposed facility is less than other banks
(2) Hedge(FX) facility
(3) Inferior position
(4) Clean facility
12.When does Citibank have to assess counterparty's suitability and
appropriateness before entering a hedging deal(FX, interest rate, oil price)
with a company?
(1) To understand this company's capability to reimburse bank
(2) To decide whether the company has adequate underlying exposure and is
capable of executing the deal
(3) To decide the suitable pricing proposal
(4) To calculate expected revenue from the captioned deal
13.Credit card debt is
(1) Unsecured & Open-ended
(2) Secured & Open-ended
(3) Low risk & Low returns
(4) Unsecured & Closed-ended
(5) Unsecured & Open-ended
14.Which of the following is not important for credit card business?
(1) Marketing orientation
(2) Technology & infrastructure
(3) Analytics
(4) Customer service
(5) None of the above
15.Which of the following is the goal of a good credit card business?
(1) Minimize bad debts & Expenses
(2) Maximize revenues & Minimize expenses
(3) Optimize risk-rewards balance
(4) Optimize customer service but minimize expenses
(5) Optimize revenue & expense ratios
16.Analytics is important for credit card business because
(1) Availability of data on card holders
(2) Segmentation of customer base helps to improve profitability
(3) Constant monitoring of the customers' risk profile
(4) Analytics helps in lowering unit cost of operation
(5) All of the above
17.Which is not helpful in growth of cards business in a country?
(1) Evoluion of retailing industry
(2) Strong Telecommunications infrastructure
(3) Strong manufacturing industry
(4) Customers adopting modern lifestyle
(5) Strong, open % competitive markets
18.Which of the following is false for card business?
(1) Associations(Mastercard & Visa) were formed by collaboration of banks
doing credit card business
(2) Acquirers' are banks that acquire credit card charge-slips from merchants
(3) Issuers' are banks that participate in issuing government bonds
(4) Interoperability allows cards issued in one country to be used at merchants
in any country across the world
(5) None of the above
19.Which of the below statement is incorrect?
(1) a brand facilitates customer choice
(2) a brand insulates competition
(3) a brand cannot promise quality
(4) a brand commands premium price
20.Who bought Pixar in 2006?
(1) Times
(2) Microsoft
(3) Disney
(4) Coca-Cola
21.Who is number one most valuable brand in the world?
(1) Microsoft
(2) Coca-Cola
(3) Intel
(4) Nokia
22.What does Citi want to be
(1) the most respected
(2) the biggest
(3) the most profitable
(4) none of the above financial services company in the world.
23.Which of the following is NOT covered by Citigroup GTS?
(1) Cash Management
(2) Trade Solution
(3) Global Security Service
(4) Corporate Loan
24.Which of the following is the GTS business model?
(1) Sales Process > Product Development > Client Delivery
(2) Sales Process > Client Delivery > Product Development
(3) Product Development > Sales Process > Client Delivery
(4) Client Delivery > Sales Process > Product Development
25.Which of the following is NOT GTS product development based?
(1) Economic Evolution
(2) Local Deregulation
(3) Technology Transformation
(4) Political situations
26.Which of the following is NOT the advantage of CitiDirect online banking?
(1) Access account information at everywhere and any time
(2) Require no password
(3) Remove cross boarder/region barriers
(4) Provide real-tome account information
27.Which of the following is NOT provided by the business of security custody?
(1) Ensuring investors to make profit from their own investment
(2) Safekeeping and protection of financial assets
(3) Facilitating the trading of financial assets
(4) Tracking the values of portfolios
28.下列何者為風險控管流程?
(1) Identification --> Measurement --> Control --> Monitor
(2) Identification --> Measurement --> Monitor --> Control
(3) Measurement --> Identification --> Control --> Monitor
(4) Measurement --> Identification --> Monitor --> Control
29.信用風險是指借款戶喪失
(1) 償還能力
(2) 償還意願
(3) 以上皆是
(4) 以上皆非
30.就風險控管角度而言,銀行對高波動性產業的總放款應佔整理放款比率
(1) 高
(2) 低
(3) 沒有差別
31.風險資本(Risk Capital)是指
(1) 銀行的實收資本
(2) 銀行的註冊資本
(3) 銀行從事一經濟行為在一信賴水準(confidence level)下所測量出來的風險
(4) 銀行的資本加長期負債
32.在不同信賴水準下,測量外匯或衍生性金融商品風險值時,下列何者為對?
(1) 信賴水準越高,風險值越高
(2) 信賴水準越高,風險值越低
(3) 與信賴水準無關
33.在放款計價公式下,下列何者無須考慮?
(1) 客戶的信用評等
(2) 借款成本
(3) 營業成本
(4) 預期通貨膨脹
34.當景氣要變差時,"Credit Spread"會
(1) 變大
(2) 變小
35.就台灣當地銀行而言,下列對金融商品的風險敘述,何者為非?
(1) 長期放款比短期放款風險高
(2) 外幣放款比台幣放款風險高
(3) 信用狀(L/C)風險比商業本票保證風險低
(4) 信用評等差的比信用評等好的風險高
36.經濟學家在對外發表看法時
(1) 可以事先將看法告訴媒體記者
(2) 可以事先告訴內部同事
(3) 必須先經過Compliance審查過後才可發表
(4) 無須經過審查以維持報告的獨立性
37.您認為美國經常帳赤字的主要原因為
(1) 美國人太愛花錢
(2) 外國人需求不足
(3) 結構性問題
(4) 以上皆是
38.根據Dark Matter理論,美國經常帳赤字的擴大將導致美元
(1) 大幅走貶
(2) 小幅走貶
(3) 走升
(4) 無關
39.在景氣好轉時,預期金融市場走勢為
(1) 股市上升
(2) 利率下滑
(3) 殖利率曲線變陡
(4) 投資人心態更為保守
40.台灣的經濟競爭力優勢來自於
(1) 政府效能
(2) 科技創新
(3) 專業經理人
(4) 智慧財產權的保護
解答:
1~~10 31512 54324
11~~20 32153 53333
21~~30 21434 21232
31~~40 31412 34412
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