［2008］Topic 59: Technology and Other Operational Risks相关习题 average, service, affect

nayizhenfeng

AIM 5: Analyze how operational economics of scale and economics of scope can affect operational risks.

 

1、A bank can service 1,000 loans for an average cost of $362 per year, per loan. If the bank can service 5,000 loans for an average cost of $298 per year, per loan, the servicing is said to have:

A) economies of scale.
 
B) economies of scope.
 
C) synergy of service.
 
D) diseconomies of scope.

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jianning

[em99]

Jarvia

谢谢

nayizhenfeng

3、“Daylight overdraft risk” arises from:

A) the existence of private funds transfer systems such as CHIPS. 
 
B) the inability of banks to avoid negative inter-day balances in the reserve accounts with the Federal Reserve Bank. 
 
C) banks being allowed to have negative intra-day balances with the Federal Reserve Bank and the Federal Reserve Bank guaranteeing payment for every wire transfer. 
 
D) large customers being allowed to have negative intra-day balances, with the banks guaranteeing payment of any wire transfers.

nayizhenfeng

The correct answer is C

Banks are allowed to have negative intra-day balances in their accounts with the Federal Reserve Bank. The Federal Reserve Bank guarantees the payment of every wire transfer and could potentially be forced to cover wires that banks could not support in their closing day balances.

nayizhenfeng

The correct answer is A

There is no strong evidence that “bigger is better.” There is relatively low payoff from technological innovation. Economies of scope and scale don’t explain cost differences among the same size firms. Large financial institutions gain efficiency by generating revenue rather than by reducing costs.

nayizhenfeng

AIM 6: List the various operational risks that emerge in an electronic payments system and explain the connections across these risks.

 

1、A condition in which a bank has a negative balance with the Federal Reserve Bank at some time during the business day is called a(n):

A) intra-day overdraft.
 
B) negative balance float.
 
C) discount window debit.
 
D) daylight overdraft.

nayizhenfeng

The correct answer is D

Banks are allowed to have negative intra-day balances in their accounts with the Federal Reserve Bank. These are referred to as “daylight overdrafts” because they are cleared before the close of the business day.

nayizhenfeng

2、When a payment is made by Fedwire, the credit risk is effectively born by:

A) all parties involved in the funds transfer. 
 
B) the receiving party.
 
C) the Federal Reserve. 
 
D) the paying party.