银行个人理财的投资者教育的目标是协助客户提升理财技能，获得最大收益。（ ）
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1 .商业应妥善保管与客户签订的个人理财相关合同和各类授权文件，并至少每季度重新确认一次。（ ）
Y 对 N 错
2 .产品风险是指由商业银行经营、管理及其他行为或外部事件导致在利益相关方对商业银行负面评价的风险属于。（ ）
Y 对 N 错
3 .银行业从业人员应当以对客户高度负责的态度执业，认真履行各项职责，反映了（ ）准则的内容。
A 诚实守信 B 公平对待客户 C 勤勉尽职 D 专业胜任
4 .银行储蓄部门的员工小张在为客户办理储蓄业务时，客户向其咨询理财业务，他为客户提供了中肯的理财建议，小张的做法（ ）。
A 维护了客户关系，值得表扬 B 发展了银行业务 C 表现了对客户的诚实信用 D 违反了《商业银行个人理财业务风险管理指引》的规定
5 .个人理财业务人员在与其他银行同行的交往中，可以（ ）。
A 向同一个客户提供各自银行理财产品方案 B 通过各种方式从对方处获取其所在银行的内幕消息 C 宣传中特意与其他银行个人理财产品对比并贬低对方产品 D 向客户透露其他银行个人理财业务人员有各种不良私人生活习惯
7 .Harvey Co is evaluating a capital investment proposal with the following information:Initial cost $500,000Life 10 yearsAnnual operating cash inflow $200,000Scrap value $100,000The investment will be depreciated using the straight-line method.What is the payback period for this investment?
A 3.25 years B 2.67 years C 2.5 years D 2 years
8 .A project requires an initial outlay of $1,000. The forecast cash inflows are:Year 1 $200Year 2 $200Year 3 $400Year 4 $400What is the investment’s payback period?
A 4.0 years B 3.5 years C 3.4 years D 3.0 years
9 .Which of the following statements about investment decision making methods is true?
A The discounted payback method takes into account cash flows for all periods B The payback method ignores all cash flows after the end of the payback period C The net present value rule is to accept investment opportunities when their rates ofreturn exceed the company’s weighted avergae cost of c...
10 .Which of the following statements is correct regarding investment decision making?
A Opportunity costs sre not relevant B The accounting rate of return considers the time value of money C A strength of the payback method is that it is based on profitability D Capital budgeting is based on predictions of an uncertain future
