1、九十四學年度高屏區進修學院五校聯合招生入學考試准考證號碼 （考生必須填寫） 貨幣銀行 試 題 共三頁 第一頁注意：1.本試題選擇題共 45 題，計 200 分。2.不必抄題。3.各試題為單一答案，必須填寫在符合題號之答案卡指定的答案欄內；如寫在試題紙上，或寫錯位置者不予計分。4.各科答案卡限用黑色 2B 軟心鉛筆劃記，不得使用原子筆及修正液。壹、第一大項 25 題，每小題 4 分，共 100 分1. 下列何者會提高貨幣供給? (A) 財富增加 (B) 攤販增加 (C) 統一發票頭獎獎金提高 (D) 不法活動增加。2. 我國央行總裁任命期限為幾年？ (A) 三年 (B) 四年 (C) 五年 (D
2、) 六年。3. 若央行欲刺激景氣，可採行下列那一項政策？ (A) 調高重貼現率 (B) 調高存款準備率 (C) 公開市場買進證券 (D) 調高擔保融通利率。4. 下列何者不包含在 M1B 貨幣總計數中 (A) 支票存款 (B) 活期存款 (C) 活期儲蓄存款 (D)定期存款。5. 下列那一機構不屬於間接金融機構 (A) 郵政儲金匯業局 (B) 投資銀行 (C) 信託投資公司 (D) 商業銀行。6. 假設名目利率為 8%，預期通貨膨漲率為 5%，則實質利率應為 (A) 8% (B) 5% (C) 3% (D) 1.6%。7. 根據國際清算銀行的規範，銀行的最低資本適足率應維持在多少以上？ (A)
3、 3% (B) 5% (C) 8% (D) 10%。8. 我們目前金融控股公司總共有多少家？ (A) 4 家 (B) 10 家 (C) 14 家 (D) 20 家。9. 銀行實際所有的準備減去法定準備，應之為 (A) 應提準備 (B) 實際準備 (C) 超額準備 (D) 自由準備。10. 凱因斯的貨幣需求理論不包括下列那一項動機 (A) 交易動機 (B) 預防動機 (C) 投機動機 (D) 遺產動機11. 根據所得型貨幣數量學說，下列何者不正確 (A) 物價與貨幣同比例變化 (B) 實質貨幣需求不確定 (C) 貨幣具有中立性 (D) 長期的貨幣需求固定。12. 下列何者不屬於貨幣政策的操作工具
4、 (A) 公開市場操作 (B) M1A (C) 重貼現率 (D) 法定存款準備率。13. 下列何者不是貨幣政策的中間目標 (A) 物價 (B) 利率 (C) 存款準備率 (D) 貨幣供給。14. 重貼現率是 (A) 央行對銀行無擔保品的信用融通 (B) 央行對銀行合格票據的再一次貼現 (C) 央行對外匯市場的融資 (D) 商業銀行對客戶的融資。15. 所謂反金融中介是指 (A) 反對金融中介機構 (B) 資金流出銀行體系的現象 (C) 資金流入銀行體系的現象 (D) 反對商業銀行發展。 16. 貨幣基數是指 (A) 流通在外通貨+法定準備 (B) 流通在外通貨+自由準備 (C) 流通在外通貨+
5、超額準備 (D) 流通在外通貨+實際準備。【背面尚有題目】共三頁 第二頁17. 同業拆款利率是 (A) 央行對銀行的短期融資利率 (B) 銀行同業間的借貸利率 (C) 銀行對優良客戶的融資利率 (D) 銀行的對客戶的擔保放款利率。18. 降低法定存款準備率會使 (A) 重貼現率上升 (B) 貨幣供給上升 (C) 超額準備下降 (D) 銀行放款減少。19. 下列何者會影響貨幣供給上升 (A) 國外資產增加 (B) 國外負債增加 (C) 政府存款增加 (D) 公民事業存款增加。20. 下列何者不屬於資產負債表表外交易 (A) 衍生性商品 (B) 消費性放款 (C) 信用狀 (D) 保證。21. 當
6、經濟問題發生時，央行可以會等經濟問題出現若干時日後才進行研究對策，此稱為 (A) 認知落後 (B) 行政落後 (C) 決策落後 (D) 生產落後。22. 股市熱絡對於貨幣需求的影響是 (A) 下降 (B) 上升 (C) 不一定 (D) 沒影響。23. 政府支出增加會影響 (A) LM 右移 (B) LM 左移 (C) IS 右移 (D) IS 左移。24. 最常出現的殖利率曲線是呈 (A) 正斜率 (B) 負斜率 (C) 平坦 (D) 鐘型。25. 假設存款準備率是 10%，某客戶將$5,000 存入銀行活期儲蓄存款，則該筆存款所能創造的最大引申存款是多少？ (A) $4,500 (B) $5
7、,000 (C) $45,000 (D) $50,000貳、第二大項 20 題，每小題 5 分，共 100 分26. The two major goals of monetary policy are (A) growth in productive capacity and increased investment in the economy (B) sustainable economic growth and safety and soundness of the financial system (C) low inflation and price stability (D) p
8、rice stability and sustainable economic growth.27. Reasons for central banks to intervene in the foreign exchange market include the following except (A) To resolve a temporary sever liquidity crisis (B) To imposed an existing policy that the international markets have ignored or refused to follow (
9、C) To signal a change in rate policy (D) To signal that the currency value is either overvalued or undervalued.28. All of following contribute to the recent and dramatic changes in the financial markets except (A) financial innovations (B) decline in trade among nations (C) technological and communi
10、cation improvements (D) reduction in trade barriers and capital flows.29. A target that the Fed can control by policy tools and highly correlated with the intermediate target is called (A) operating target (B) policy directive (C) economic target (D) inflation target.30. The time it takes for a mone
11、tary policy to take into effect and have significant impact on prices, employment, and output is (A) implementation lag (B) policy lag (C) recognition lag (D) time lag.31. The Feds rationale in using the intermediate target is (A) that it is the same as the actual economic target (B) that hitting th
12、e intermediate target would be close enough to its economic projections. (C) that it is not as variable as the long-term target (D) that it provides a better approximation of current economic activities.【下一頁尚有題目】共三頁 第三頁32. Under a fixed exchange rate system, a government economic policy (A) is indep
13、endent of other countries (B) needs to be coordinated with other countries (C) that is expansionary may put pressure on the exchange rate that may necessitate intervention (D) may be thwarted because of the necessity to intervene in the foreign exchange market.33. Under the flexible exchange rate sy
14、stem, the value of the currency is determined by (A) government economic policies (B) foreign central banks ability to buy and sell the currency in international markets (C) the demand and supply of currency in international markets (D) the amount of reserve that the countrys central bank has.34. Ho
15、lding other factors constant, when interest rate declines, the quantity of money demanded in the economy (A) increases (B) decreases (C) is not affected (D) remains the same.35. Holding other factors constant, an increase in interest rate will result in the following: (A) The money demand curve will
16、 shift to the right. (B) The money demand curve will shift to the left. (C) The quantity demanded of money increases and moves down the money demand curve. (D) The quantity demanded of money decreases and moves up the money demand curve.36. Each of the following meets the definition of money except
17、(A) U.S. $20 Federal Reserve note (B) Bank of England 5 note (C) VISA credit card (D) American Express $50 travelers check.37. By definition, money possesses all of the following characteristics except (A) it is a store of value (B) it is a medium of exchange (C) it is only created by the actions of
18、 a central bank (D) it is a unit of account.38. If demand for money were to increase, but the supply of money were also to increase, the effect on interest rates would be (A) to increase interest rates (B) difficult to determine without more precise information (C) to reduce interest rates (D) negli
19、gible39. The most frequently used measure of inflation is (A) the consumer price index (CPI) (B) the producer price index (PPI) (C) the inflation price index (IPI) (D) the Goldman-Sachs commodity price index.40. The largest source of income at a typical bank is (A) interest income on securities held
20、 for sale (B) interest income on securities held for investment (C) interest income on loans and leases (D) non-interest income.41. As the business cycle enters an expansion stage, interest rates will typically be (A) low and rising (B) low and still falling (C) high and still rising (D) high but be
21、ginning to fall.42. If inflation is expected to be lower in the near future than in the recent past, long-term rates are likely to (A) rise (B) remain the same (C) fall (D) more information is needed before one can make this determination.43. A loose money policy tends to _ economic growth and _ the
22、 inflation rate. (A) stimulate; place downward pressure on (B) stimulate; place upward pressure on (C) dampen; place upward pressure on (D) dampen; place downward pressure on44. To increase money supply, the Fed could _ the discount rate or _ the reserve requirement ratio. (A) increase; reduce (B) reduce; increase (C) reduce; reduce (D) increase; increase45. A(n) _ in the discount rate may signal a tight money policy, and anticipation that the Fed may attempt to _ market interest rates. (A) decrease; increase (B) decrease; decrease (C) increase; decrease (D) increase; increase
