1、商业银行可以通过在免税的市政债券和不免税但名义收益率高的国债之间进行组合，起到合理避税效果，尽可能提高证券组合的收益率。
A、错
B、对
2、CAMELS Rating System includes six aspects of regulation authorities regulating the banks, the six aspects are Capital adequacy， Earnings record，Asset quality，Liquidity position，Management quality，Sensitivity to market risk .
A、错
B、对
3、按照贷款的质量和风险程度划分，银行贷款可以分为（)等五类。
A、可疑贷款
B、损失贷款
C、正常贷款
D、关注贷款
E、次级贷款
4、贷款抵押或担保相当于变相提高了借款人的信用等级，所以对于担保贷款就不需要做贷后检查了。
A、错
B、对
5、向处于生命周期成熟期的企业发放贷款风险最小，因为这类企业现金流入稳定，偿债能力强。
A、对
B、错
6、Larger banks have, on average, recently reduced their dependence on loans relative to smaller banks.()
A、错
B、对
7、In the following items, which ones are belonging to the waining signs of problem loans().
A、adverse changes in the price of stock
B、an sudden changes in accounting methods
C、unusual delays in receiving financial statements
D、restructuring debt or eliminating dividend payments or changes in credit rating
8、按照贷款担保品的不同，可以把贷款分为（）
A、抵押贷款
B、质押贷款
C、保证贷款
D、信用贷款
9、Components of the cash flow statement include （）
A、investment cash flow
B、financing cash flow
C、operations cash flow
D、capital
10、按照贷款的五级分类制度，不良贷款包括次级、可疑和损失类贷款。
A、错
B、对
