溢 制卧份贸易+学 银行管理学 Fiduciary activities:13 Interest on CD's over $100m:4 Realized gains on securities:2 Other operating expense(including intangibles):15 Part II.Selective questions:You are required to select FIVE questions from the following eight questions.If more than 5 questions are answered,the ones with the highest scores will be counted.(第二部分：选答题。你需要从以下八个问题中任 选五个作答。答题数量超过五个的，按得分最高的五个计分。每题10分，共50 分)。 1.What are the major risks a bank face in its operation?Explain each risk briefly. 银行经营中面临的主要风险有哪些？简要解释每一种风险。 2. What is CAMESL rating system?Explain each item briefly.f什么是CAMELS评 级体系？简要解释每一个项目。 3.What is the function of bank capital?How does it achieve this function? 本的主要功能是什么？资本是如何实现这一功能的？ 4. In evaluating consumer loan requests,what are the five Cs?Explain each briefly 在评估消费者贷款时，什么是好贷款的5个C？简要解释每一个C。 5. What are five fundamental issues in evaluating commercial loan request?Explain each briefly.在评估商业贷款时，需要考察的五个基本因素是什么？简要解 释每一个因素。 6. Compare the credit analysis of commercial loan requests and consumer loan requests.(简要比较商业贷款申请的评估与消费者贷款申请的评估。) 7.Liquidating collateral is clearly a second best source of repayment.Why?( 抵押品显然并不是获得贷款偿还的最佳方法。为什么？) 8.How to determine the minimum capital requirements for a bank to be adequately capitalized?如何确定一家银行保持充足的资本化所需要达到的最低资本金 要求？ 第3页共3页银行管理学 Fiduciary activities: 13 Interest on CD's over $100m: 4 Realized gains on securities: 2 Other operating expense (including intangibles): 15 Part II. Selective questions: You are required to select FIVE questions from the following eight questions. If more than 5 questions are answered, the ones with the highest scores will be counted.（第二部分：选答题。你需要从以下八个问题中任 选五个作答。答题数量超过五个的，按得分最高的五个计分。每题 10 分，共 50 分）。 1. What are the major risks a bank face in its operation? Explain each risk briefly. 银行经营中面临的主要风险有哪些？简要解释每一种风险。 2. What is CAMESL rating system? Explain each item briefly. 什么是CAMELS 评 级体系？简要解释每一个项目。 3. What is the function of bank capital? How does it achieve this function? 银行资 本的主要功能是什么？资本是如何实现这一功能的？ 4. In evaluating consumer loan requests, what are the five Cs? Explain each briefly. 在评估消费者贷款时，什么是好贷款的 5 个 C？简要解释每一个 C。 5. What are five fundamental issues in evaluating commercial loan request? Explain each briefly. 在评估商业贷款时，需要考察的五个基本因素是什么？简要解 释每一个因素。 6. Compare the credit analysis of commercial loan requests and consumer loan requests.（简要比较商业贷款申请的评估与消费者贷款申请的评估。） 7. Liquidating collateral is clearly a second best source of repayment. Why? （处置 抵押品显然并不是获得贷款偿还的最佳方法。为什么？） 8. How to determine the minimum capital requirements for a bank to be adequately capitalized? 如何确定一家银行保持充足的资本化所需要达到的最低资本金 要求？ 第 3 页 共 3 页