[2008]Topic 69: Regulation相关习题 insurance, potential, decrease, increase, between

nayizhenfeng

 

AIM 2: Discuss the potential moral hazard issues associated with fixed-rate deposit insurance.

 

1、The existence of deposit insurance is most likely to:

A) decrease the incentive for the banks to shift credit risk to FDIC.  

B) increase the capital requirement for the bank.  

C) decrease the need for external monitoring. 

D) increase the moral hazard problem between depositors and regulators.

vknk0977

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nayizhenfeng

 

3、Basel II does NOT allow calculation of risk-based capital under the:

A) external probability approach. 

B) internal ratings-based advanced approach. 

C) internal ratings-based foundation approach. 

D) standardized approach.

nayizhenfeng

 

The correct answer is A

 

There is no such approach denoted “external probability.”

nayizhenfeng

 

4、Under Basel II, collateral is deducted from exposure at default (EAD) under which approach to calculating capital requirements?

A) Foundation IRB approach. 

B) Advanced IRB approach. 

C) All of these.

D) Standardized approach.

nayizhenfeng

 

The correct answer is D

 

Only the standardized approach allows collateral to be deducted from exposure at default (EAD).

nayizhenfeng

 

2、The advanced internal ratings based (IRB) approach to calculating risk weights differs from the foundation IRB approach in that the advanced approach:

A) relies on external estimates for most risk parameters. 

B) allows for internal estimates of loss given default (LGD) and exposure at default (EAD). 

C) offers less flexibility in estimating risk parameters.  

D) allows for internal estimates of probability of default (PD) and exposure at default (EAD). 

nayizhenfeng

 

The correct answer is B

 

The advanced IRB approach offers more flexibility, because it does not rely on external estimates of risk parameters. Both the foundation and advanced approaches allow for internal estimates of PD, but the foundation approach uses external estimates for all other parameters.

nayizhenfeng

 

The correct answer is B

 

The three pillars are minimum capital requirements, Supervisory Review Process, and market discipline.