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单选题1金融创新对金融发展和经济发展的作用是(D )。A.利大于弊 B.利小于弊 C.有利无弊 D.利弊均衡2按国际货币基金组织的口径，对现钞不正确表述是(B )。A.居民手中的现钞 B.商业银行的库存现金C.企业单位的备用金 D.购买力最强3信用的基本特征是(C )。A.平等的价值交换 B.无条件的价值单方面让渡C.以偿还为条件的价值单方面转移 D.无偿的赠予或援助4贝币和谷帛曾经是我国历史上的(C )。A.信用货币 B.纸币 C.实物货币 D.金属货币5在多种利率并存条件下起决定作用的利率是(A )。A.基准利率 B.差别利率 C.实际利率 D.公定利率6由政府或政府金融机构确定并强令执行的利率是(C )。A.公定利率 B.一般利率 C.官定利率 D.固定利率7在我国，目前没有实行市场利率的是(A ) 。A.民间借贷利率 B.银行存贷款利率C.银行同业拆借利率 D.上海证券交易所债券市场利率8在金融机构发挥的所有功能中，(B ) 功能是适应经济发展需求最早产生的。A.融通资金 B.支付结算服务 C.降低交易成本 D.风险转移与管理9当代金融创新的(A )特点大大刺激了创新的供给热情。A.高收益低成本 B.投机性 C.安全性 D.灵活性10美元与黄金直接挂钩，其他国家的货币与美元挂钩是(C )的特点。A.国际金本位制 B.牙买加体系C.布雷顿森林体系 D.国际金块本位制11(C ) 是在国家或地区金融监管组织机构中居于核心位置的机构。A.社会性公律组织 B.行业协会C.中央银行或金融管理局 D.分业设立的监管机构12以下不属于债务信用的是(C )。A.银行的存贷款活动 B.政府发行国债C.居民购买股票 D.企业发行债券13典型的商业信用形式是(D )。A.商品批发 B.商品零售 C.商品代销 D.商品赊销14我国习惯上将年息、月息、日息都以“厘”作单位，但实际含义却不同，年息6厘，月息6厘，日息6厘的含义分别是指(C )。A.年利率为6，月利率为06，日利率为6B.年利率为6，月利率为6，日利率为06C.年利率为6，月利率为6，日利率为06D.年利率为06，月利率为6，日利率为615经济发展对金融起(B )作用。A.推动 B.决定性 C.不确定 D.一定的16高利贷是一种以(B )为条件的借贷活动。A.价值转移 B.高利借债和偿还C.价值特殊运动 D.支付利息17金融市场场内交易遵循的竞价原则是(D )。A.时间优先 B.时间优先、价格优先C.价格优先 D.价格优先、时间优先18以下哪项不属于商业信用形式：(B )。A.银行贷款 B.商品零售 C.商品代销 D.商品赊销19货币材料的演变阶段依次经历了 (C )。A.金属货币到实物货币到信用货币B.实物货币到信用货币到金属货币C.实物货币到金属货币到信用货币D.信用货币到金属货币到代用货币 20利率决定的基本因素是(B )。A.企业承受力 B.平均利润率 C.资金供求状况 D.价格水平21现货市场的实际交割一般在成交后(A )内进行。A.2日 B.5日 C.1周 D.1月22由于同业拆借市场利率常被当作(A )，所以是整个利率走势的风向标。A.基准利率 B.官定利率 C.浮动利率 D.市场利率23世界银行集团是由(D )个机构合称的全球性金融组织。A.二 B.三 C.四 D.五24下列属于所有权凭证的金融工具是(C )。A.商业票据 B.企业债券 C.股票 D.可转让大额定期存单25一张差半年到期的面额为1000元的票据，到银行得到950元的贴现金额，则年贴现率为(B )。A.5% B.10% C.256% D.512%26股份制商业银行内部组织形式一般包括决策机构、执行机构和监督机构(B )是公司的最高权利机构。A.股东大会 B.董事会 C.监事会 D.执行机构27( D )是指投保人对保险标的所具有的法律上承认的利益。A.保险标的 B.保险价值 C.保险期间 D.保险利益28存款分为定期存款、活期存款和定活两便存款是依据（A ）分类的。A.存款的稳定性 B.存款的经济性质C.存款的货币形式 D.存款的现行统计口径29在贷款五级分类中，当“尽管借款人有能力偿还贷款本息，但是存在一些可能对偿还产生不利影响的因素”时，应当作为( A )贷款。A.关注类 B.次级类 C.可疑类 D.正常类30( A )是金融中介机构最基本的职能。A.信用中介职能 B.信用创造职能C.支付中介职能 D.金融服务职能31货币层次的划分主要是以( B )作为标准。A.安全性 B.流动性 C.顺序性 D.具体性32利率上下浮动的范围是( C )确定。A.各商业银行总行 B.商业银行经营行处C.中国人民银行总行 D.国务院33商场商品标签上注明某商品的价格为10元，此时货币在执行（A）职能。A.价值尺度 B.流通手段 C.支付手段 D.储藏手段34表外业务与表内业务相比具有明显的( C )特征。A.负债业务 B.资产业务 C.中间业务 D.或有负债35短期国债通常称为( A )。A.国库券 B.公债 C.公司债券 D.股票36影响对公存款变化的外部因素有( )。A.社会经济环境 B.国家金融政策C.商品价格变动 D.竞争性利率政策37下列属于优先股股东权利范围的是(B )。A.选举权 B.收益权 C.被选举权 D.投票权38信用是(D )。A.买卖行为 B.赠予行为 C.救济行为D.各种借贷关系的总和39现代信用活动的基础是(D )。A.信用货币在理代经济中的使用 B.经济中存在大量的资金需求C.企业间的赊销活动 D.现代经济中广泛存在着盈余或赤字单位40目前我国商业银行存款利率属于(B )。A.市场利率 B.官定利率 C.公定利率 D.优惠利率判断题41高利贷是一种以极高的利率为特征信用形式，它在资本主义社会中占主导地位。42利率管制严重制约了利率作为经济杠杆的作用，对经济毫无益处。43以复利计息，考虑了资金的时间价值因素，对贷出者有利。44经济泡沫主要通过虚拟资产表现出来，如股票，金融衍生产品等，一般实物资产不会出现泡沫。45金融市场是一个包含许多不同层次和内容的复合体。46由于定期存款事先约定期限，所以不到期绝对不能支取。47所有的商业保险都是自愿的。48当存款贴现率为100时，则派生存款额等于零。49所有的商业保险都是自愿的。50贴现贷款最突出的特点是自偿性。51贷款利率政策是我国信贷政策的一个重要组成部分。52一笔6个月的短期贷款，利率为8%，展期6个月后，其贷款仍需按8%的利率指标计收利息。53农发行实行封闭运行目标，有利于减轻中央银行发行基础货币的压力。54开办政策性住房信贷业务的银行必须是由中国人民银行指定的银行。55商业银行是各国金融体系的中心，处于主导地位。56中长期贷款又称为固定资金贷款。57贷款方式的选择主要依据借款人的信用和贷款风险程度。58货币乘数效应既然是一种客观必然性，因此是不可控的。59金融机构办理自营外汇买卖业务可以不经任何部门批准，自己进行。60企业经济效益高，则银行贷款效益一定高。61代理业务具有代客服务的性质，它是在委托人与银行之间产生的一种法律和契约关系。62贷款项目评估和可行性研究是同一概念。63银行承兑汇票的贴现，从贴现银行的角度讲，实际上是以现款买入未到期汇款上的债权，等汇票到期时，收回本金并获得利益。64申请汽车消费贷款的借款人只能是个人。65存款和现金可以相互转化，因此，在一定条件下，存款也是通货。66在市场利率波动较大的情况下，政府发债的利率风险加大，此时应该减少短期债券，增加长期公债的发行。67任何信用活动都会导致货币的变动：信用的扩张会减少货币供给，信用紧缩将增加货币供给，最终信用资金的调剂将影响货币流通速度和货币供给的结构。68广义货币量反映的是整个社会潜在的购买能力。69金融与经济发展的关系可以这样理解：金融在整体经济中一直居于主导地为，它可以凌驾于经济发展之上。70利率管制严重制约了利率作为经济杠杆的作用，对经济毫无益处。71银行信用是现代信用活动中最基本的信用形式，而商业信用是现代信用活动中主要的信用形式。72牙买加体系规定美元和黄金不再作为国际储备货币。73中国的金融资产管理公司带有典型的商业性金融机构特征，是专门为接受和处理国有金融机构不良资产而建立的。74现代金融业的发展在有力地推动经济发展的同时，出现不良影响和负作用的可能性也越来越大。75格雷欣法则是在金银复本位制中的平行本位制条件下出现的现象。76商业银行的“三性”经营原则，是一个具有完全内在统一性的整体。您好，为你提供优秀的毕业论文参考资料，请您删除以下内容，O(_)O谢谢！A large group of tea merchants on camels and horses from Northwest Chinas Shaanxi province pass through a stop on the ancient Silk Road, Gansus Zhangye city during their journey to Kazakhstan, May 5, 2015. The caravan, consisting of more than 100 camels, three horse-drawn carriages and four support vehicles, started the trip from Jingyang county in Shaanxi on Sept 19, 2014. It will pass through Gansu province and Xinjiang Uygur autonomous region, and finally arrive in Almaty, formerly known as Alma-Ata, the largest city in Kazakhstan, and Dungan in Zhambyl province. The trip will cover about 15,000 kilometers and take the caravan more than one year to complete. The caravan is expected to return to Jingyang in March 2016. Then they will come back, carrying specialty products from Kazakhstan A small art troupe founded six decades ago has grown into a household name in the Inner Mongolia autonomous region. In the 1950s, Ulan Muqir Art Troupe was created by nine young musicians, who toured remote villages on horses and performed traditional Mongolian music and dances for nomadic families. The 54-year-old was born in Tongliao, in eastern Inner Mongolia and joined the troupe in 1975.He says there are 74 branch troupes across Inner Mongolia and actors give around 100 shows every year to local nomadic people. I can still recall the days when I toured with the troupe in the early 80s. We sat on the back of pickup trucks for hours. The sky was blue, and we couldnt help but sing the folk songs, Nasun says. The vastness of Inner Mongolia and the lack of entertainment options for people living there, made their lives lonely. The nomadic people were very excited about our visits, Nasun recalls. We didnt have a formal stage. The audience just sat on the grass. Usually, the performances became a big party with local people joining in. For him, the rewarding part about touring isnt just about sharing art with nomadic families but also about gaining inspiration for the music and dance. Ulan Muqir literally translates as red burgeon, and todays performers of the troupe still tour the regions villages and entertain nomadic families, but their fame has spread around the world. On May 16 and 17, nearly 100 singers and dancers from the troupe performed at Beijings Poly Theater. Their show, titled Ulan Muqir on the Grassland, depicted the history and development of the art troupe. Being from the region allowed me to embrace the culture of Inner Mongolia and being a member of the troupe showed me where I belonged, Nasun, the art troupes president, who is also a renowned tenor, tells China Daily. During a tour in 1985, he went to a village and met an elderly local man, who told him a story about his friendship with a solider from Shenyang, capital of Northeast Chinas Liaoning province, decades ago. The solider gave the old man a handmade saddle when they bid farewell. The story inspired Nasun to write Carved Saddle, a song that later became one of his most popular numbers. Now, every year, Nasun recruits young singers and dancers for the troupe. The troupe has also designed a new repertoire, which is mostly based on the daily lives of Mongolian people, especially the lives of nomadic families, and has combined contemporary musical elements with folk songs of the region. Haimu, a 25-year-old khoomei (a local variant of overtone singing) singer, joined the troupe three years ago. Along with a six-member band, he performs fast songs and soft ones that he writesall while playing the horse-head fiddle.Although I learned the piano since childhood and grew up listening to various kinds of music, to me, the folk music of Inner Mongolia is the root, he says. Performing in remote villages is pleasant. I feel at home on the boundless grasslands, and the warm people there make me feel fulfilled. The first round of spring auction season in Beijing ended last week, but it failed to create much spring in the art market. Although two pieces of Chinese painting fetched more than 100 million yuan, the decline in trading volume and sale rate showed a downturn this year. In the “Grand View: Chinese Painting Highlight” session at China Guardian 2015 spring auctions, Pan Tianshous representative work Eagle, Rock and Flora hit a record auction price of 279 million yuan, while Li Kerans masterwork Jinggang Mountain fetched 126.5 million yuan, an unexpected high in recent years. However, the trading volume fells to 1.87 billion yuan from 2.22 billion yuan in the same period the year before. The Huangchen 2015 Spring Auctions, which recorded 42.5 million yuan in total sales, experienced the same. The section number went down to 5 from 12 compared to last year. According to expert Shao Jianwu, the art market did not attract much excitement this year due to the booming stock market and the persistent problems of forgery and fake deals. The two pieces of Chinese painting notched up high price this spring due to their own value not due to a revival in the market. The successful transaction of two works with a hammer price of more than 100 million yuan once again confirms that valuable and rare works of high quality always earn the long-lasting high price. Chinese painting and calligraphy is still the pillar of the market. However, the overall sales rate has dropped slightly, which reflects the demand for the ordinary auction goods has weakened,” said the president of China Guardians Hu Yanyan. Besides, the entry of new buyers also makes certain changes to the direction of purchasing. In a word, the overall market trend is very unpredictable. Although China Guardian 2015 Spring Auctions has achieved remarkable results, it does not mean that the market has walked out of the predicament. We still have to wait for the big economic boom to invigorate the art market.” Even so, the hot pursuit of some special items appeared this spring. A special session of China Guardian Spring Auctions titled “Fine GiltBronze Buddhist Images” achieved a great deal with total sales volume of 41.89 million yuan and 92 percent sale rate. The 5th Shamar Rinpoche Statue from 16-17th century of Tibet was sold for 5.06 million yuan. The Beijing Chengxuan Auctions featured almost 2,800 items of coins and stamps in three sessions with good sale rate. The Huachen Auctions also set a special session of photographs under the condition of large-scale decline of auction sessions. There was a palpable dull thud of disappointment that accompanied the return of the imperial entourage of Zhen Huan to her homeland. It followed a couple years of hushed excitement as Chinese fans were fed tidbits about their proud concubine who was supposed to conquer the high ground of the North American market. Zhen Huan is, of course, the title character of The Legend of Zhen Huan, a 2011 television series that swept China off its feet and later took other Asian countries by storm. Two years ago, it was reported that HBO, a premium cable service headquartered in the United States, was going to air it in North America after some modification. Now, a condensed version that provides English subtitles but no dubbing has finally been made available on Netflix for online streaming. This version, highly anticipated as a milestone in Chinas cultural foray overseas, has been widely panned by its home audience. Retitled Empresses in the Palace, the American version has been shortened from its original 76 episodes at 45 minutes each, to six 90-minute episodes. The quick pacing threw off many native viewers, who are accustomed to a more leisurely daytime-soap-style narrative rhythm. (Chinese TV stations would run two or three episodes every day.) I did not finish the full-length version and found the truncated one not difficult to follow. Whats lost, I believe, are the interesting setups and pauses that illuminate the Chinese art of storytelling. Much of the plot is still there. It is the flavor that was sacrificed. The American edition uses the framework of the Empress Dowager in her senior years reminiscing at the beginning and the end of each episode, hinting at whats to come and recapping the key points. This device, not used in the original, is culturally understandable but artistically mediocre. What puzzles me is the two new songs for the opening and end credits. They were written in English, but sung by Chinese with an uncomfortable accent. They were obviously designed to appeal to an English-speaking base, but do not jibe with the Chinese dialogue. Speaking of the dialogue, the English translation, picked apart by some Chinese, is too literal for my taste. I can imagine a typical American hit by a flurry of royal ranks, addresses and greetings, even multiple names and titles for the same person. The first half hour must be a swamp to wade through, very much like my experience of getting through a Tolstoy tome with its endless inflections of names transliterated into lengthy Chinese. I see the choice of verbatim translation as an effort for conveying exotica. It is fairly competent, with no error that I could detect, but fails to rise above words or capture the essence of the language. A cultural product usually crosses over to a foreign territory first by an emphasis on the commonalities. But whether inside or outside China, the temptation to sell it for the differences is just too great. Sure, the sumptuous sets and costumes are a big attraction, but the narrative technique has becomehow shall I put it?a bit anglicized, which is necessary for cultural export. Judging by the responses, this legend, which, contrary to the claim of the English trailer, is totally fictitious, has departed from China but not yet landed on American shores. I am a big fan of Ralph Waldo Emersons essay titled Self-Reliance. If youve not yet read it, I strongly encourage you to do so. In this essay, the venerable Emerson talks about eschewing the trappings of society and finding ones own path. He urges the reader to find rectitude and lead a moral life. He professes that, only by being self reliant, as opposed to relying on the government and being dictated to by society, can one begin leading a decent and purposeful life. He avers that such a life is the only life worth living. I agree with him. This essay was written during a time of social upheaval in America, and it is rather odd that Emerson authored it, as he was a part of the upper crust of society at the time. It just so happened that he looked around him, at the indolence and the wantonness of the people in his circle; he wondered how in the world he came to belong there. Indeed his penning and publishing this essay caused his excommunication from high society and also caused him a lot of legal trouble. The legal trouble came as a result of the fact that he was speaking out against the government. I like to reference such texts from time to time as an example both of the fact that history does repeat itself and that this world is not so big that what applies to one society does not in any way touch another society. On a much smaller scale,Emersons essay affects me very deeply. Not as an urging to become self reliant Im nothing if not that! In his text he expounds on the idea that one must give their life a purpose. And that is the true topic of this entry. These last four years have been so easy: teach for a grand total of six hours a week, and the rest of my time is mine. Since Ive been here I have been tasked with nothing more challenging than learning my students names and figuring out what to do with them for the brief time each week that I stand in front of them. I do not consider the challenges of learning to live here part of a purposeful life. I consider those issues existential in nature. One of the problems with my life in America was that I felt it had no purpose. I went to work every day and even did what I could to make my colleagues work lives easier, but I simply could not digest the fact that that was my sole purpose in life. With no family to support, I was the sole beneficiary of my employment: the paycheck, the benefits, the incentives and the rewards were mine alone. Not much of a purpose in being self-serving, is there? While I was a student, I felt I was leading a purposeful life. Learning new things, broadening my horizons, expanding my life experiences all gave my life a zip and drive that I had not felt since being in survival mode when my kids were small. After graduating college I felt oddly deflated but by then, China was on my horizon.
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