Chat with AIExam 3: Financial Services: Finance Companies
Exam 1: Why Are Financial Institutions Special100 Questions
Exam 2: Financial Services: Depository Institutions226 Questions
Exam 3: Financial Services: Finance Companies82 Questions
Exam 4: Financial Services: Securities Firms and Investment Banks119 Questions
Exam 5: Financial Services: Mutual Fund and Hedge Fund Companies129 Questions
Exam 6: Financial Services: Insurance Companies124 Questions
Exam 7: Risks of Financial Institutions128 Questions
Exam 8: Interest Rate Risk I124 Questions
Exam 9: Interest Rate Risk II124 Questions
Exam 10: Credit Risk: Individual Loan Risk119 Questions
Exam 11: Credit Risk: Loan Portfolio and Concentration Risk65 Questions
Exam 12: Liquidity Risk108 Questions
Exam 13: Foreign Exchange Risk109 Questions
Exam 14: Sovereign Risk94 Questions
Exam 15: Market Risk104 Questions
Exam 16: Off-Balance-Sheet Risk109 Questions
Exam 17: Technology and Other Operational Risks113 Questions
Exam 18: Liability and Liquidity Management131 Questions
Exam 19: Deposit Insurance and Other Liability Guarantees108 Questions
Exam 20: Capital Adequacy139 Questions
Exam 21: Product and Geographic Expansion156 Questions
Exam 22: Futures and Forwards130 Questions
Exam 23: Options, Caps, Floors, and Collars120 Questions
Exam 24: Swaps104 Questions
Exam 25: Loan Sales96 Questions
Exam 26: Securitization120 Questions
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When a finance company pools mortgages with similar characteristics and securitizes the pool,the loans are removed from the balance sheet of the finance company.
(True/False)
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(76)
(76) Finance companies prefer to outwardly purchase equipment and then lease it to a business rather than finance the purchase because they receive part of the lease payment in the form of a down payment from the purchaser.
(True/False)
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(68) During 2006,originations of new subprime mortgages totaled approximately __________,which was ________ of new mortgages originated that year.
(Multiple Choice)
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(82) Which of the following observations concerning mortgages is NOT valid?
(Multiple Choice)
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(85) The largest 20 firms in the nondepository finance company industry account for more than 65 percent of industry assets.
(True/False)
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(78) Which of the following is traditionally the major type of consumer loans for finance companies?
(Multiple Choice)
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(78) Finance companies have enjoyed very high rates of growth because they
(Multiple Choice)
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(72) Which of the following is the type of loan that Ford Motor Credit Corporation provides to Ford dealers to finance the cars that the dealer has for sale?
(Multiple Choice)
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(85) General Electric Capital Corporation is considered a captive finance company.
(True/False)
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(76) Finance companies have traditionally been subject to state-imposed usury ceilings on the maximum loan rate charged to any individual customers.
(True/False)
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(70) The first major consumer finance company which was created during the Great Depression on the 1930's was
(Multiple Choice)
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(86) Finance companies have been among the slowest growing FI groups in recent years.
(True/False)
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(80) As an industry,finance companies have escaped the merger and consolidation activity that has affected nearly every other sector of the financial services industry.
(True/False)
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(90) Finance companies generally charge lower interest rates on consumer loans than do depository institutions.
(True/False)
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(88) A finance company may be classified as a subprime lender if it
(Multiple Choice)
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(75) Compared to commercial banks,why do finance companies often have substantial industry and product expertise?
(Multiple Choice)
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