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DSST Money And Banking

Subjects : dss, bankingt
Instructions:
  • Answer 50 questions in 15 minutes.
  • If you are not ready to take this test, you can study here.
  • Match each statement with the correct term.
  • Don't refresh. All questions and answers are randomly picked and ordered every time you load a test.

This is a study tool. The 3 wrong answers for each question are randomly chosen from answers to other questions. So, you might find at times the answers obvious, but you will see it re-enforces your understanding as you take the test each time.
1. Most Common






2. If short-term interest rates are low than the yield curve slopes...






3. Precious Metals or another valueable commodity






4. The upward and downward movement of aggregate output produced in the economy.






5. The degree of uncertainty associated with the return on one asset relative to alternative assets.






6. The interest rate at which private depository institutions lend balances to other depository institutions usually over night






7. Instrumental in moving funds between countries






8. The market for loanable funds: (or equivalently - the market for bonds) determines R. One-for-One






9. Rare






10. Fixed payment (incorporating part of the principal and interest payment) paid over a period of time






11. Alters publics liquidity and influences spending through portfolio adjustment






12. No interest- rate risk

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13. The central bank






14. 4 -13 -26 -52 week maturities. Sold at zero coupon rates






15. Allowing consumers to time their purchases better.






16. Expectations theory forms the foundation of the slope of the curve. Liquidity Premium Theory makes Long Term permanent modifications that suggests an up ward slopping curve. Over short periods - relatives supplies of securities have an impact on yiel






17. Promotes economic efficiency by minimizing the time spent in exchanging goods and services






18. If the short-term interest rates are high than the yield curve slopes?






19. 30 year maturities but not since 2001






20. Anything that is generally accepted in payment for goods or services or in the repayment of debts; a stock concept






21. Comparing payoffs at different points in time






22. A bank loan typically used by a company to finance storage or shipment of goods. This bank draft is like a check - and guarantees future payment. These securities are active in the Secondary Market

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23. Investors are concerned about the after tax return on bonds






24. It will shift it to the right.






25. The higher the default risk means the yield curve...






26. What kind of movements should we pay attention to in money supply numbers?






27. Intermediate Yields are highest






28. Flow of earnings per unit of time






29. Paper currency - has no real value






30. Bringing together of buyers and sellers of financial securities to establish prices; includes banks - savings and loans - credit unions - investment banks - and brokers - mutual funds - and bond markets.






31. Determines interest rates






32. Purchase financial assets which lowers interest rates which stimulates business investment and consumer spending






33. The percent of available labor force unemployed






34. Relationship among yields of different maturities of hte same type of security.






35. Nominal interest rate is not adjusted for inflation.






36. How interest rates on bonds of different maturities move over time






37. The relationship between yield and maturity is...






38. When interest rates are high relative to past rates - investors expect them to decline and the prices of bonds to rise in the future resulting in big capital gains. Investors would then favor long term securities which drives up price and lowers yiel






39. Reduces adverse selection - moral hazard - and insider trading.






40. Principal plus interest paid to lender at given maturity date






41. Interest rate that equates today's value with present value of all future payments.






42. Sold in a foreign country and denominated in that country's currency.






43. The total collection of pieces of property that serve to store value






44. At lower prices (higher i) - ceteris paribus - the quantity demanded of bonds is higher- an inverse relationship ' ' the quantity supplied of bonds is lower- a positive relationship.






45. Lower excess demand and lower price will rise and interest rates will fall






46. Banks borrow from and lend to each other deposits they hold at the Fed. These are very short term and usually only held over night.






47. Currency + Traveler's Checks+ Demand Deposits + Other checkable deposits






48. Allows transfer of funds from person or business without investment opportunities to one who has them - improves economic efficiency.






49. Commodity Money - Fiat Money - Checks - Electronic Payment - E-Money






50. Held for one- ten years.







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