超星中国金融制度_1章节答案(学习通2023完整答案)
21 min read超星中国金融制度_1章节答案(学习通2023完整答案)
Quiz for Chapter 1
1、超星In ( ),中国制度章节整答 Deng Xiaoping delivered the famous Southern Tour Speech.
A、1949
B、金融1978
C、答案1992
D、学习1995
2、通完The超星 ( ) National Congress of the Communist Party of China clearly put forward the goal of China's economic restructuring is to establish a socialist market economic system.
A、13th
B、中国制度章节整答14th
C、金融15th
D、答案16th
3、学习The通完 Third Plenary Session of the ( ) CPC Central Committee clearly stated that "the market should play a decisive role in resources allocation and the government should better play its role".
A、16th
B、超星17th
C、中国制度章节整答18th
D、金融19th
4、All of the following are members of the three policy banks in China except ( ).
A、The State Development Bank of China
B、The Export-Import Bank of China
C、Agricultural Development Bank of China
D、China Minsheng Bank
5、Quanfu was a government financial institution in the Zhou Dynasty, and its credit was the earliest government credit in China.
2 China's Macro-control System
Quiz for Chapter 2
1、From 1949 to 1979, the monetary policy management can be described as ( )
A、Unified deposit and loan management
B、Deposit loan linkage and balance control management
C、Real deposit and loan management
D、Indirect control management
2、From 1994, a very important part of money supply in China is ( )
A、Re-lending
B、Foreign exchange purchase
C、Policy loans
D、Open market operations
3、What are three main tools of monetary policy? ( )
A、Open market operation
B、Reserve requirements
C、Discount policy
D、All of the above
4、The latest goal of China's monetary policy is ( )
A、Full employment
B、Economic growth
C、Develop the economy and stabilize the currency
D、Maintain the stability of the currency value and thereby promote economic growth
5、The function of "Standing Lending Facility" is to meet the short-term liquidity demand of financial institutions.
3 China's Banking System
Quiz for Chapter 3
1、The major liabilities of commercial bank are______.
A、loans
B、cash
C、deposits
D、capital
2、Which one of the following is a policy bank in China：
A、Bank of China
B、People's Bank of China
C、Agricultural Bank of China
D、Agricultural Development Bank of China
3、Which one of the following is NOT the function of policy Banks:
A、Policy-oriented function
B、Financial service function
C、Complementary functions
D、Insurance function
4、Which one of the following undertakes the regulatory responsibilities of banking industry in China now?
A、The Securities and Futures Commission
B、China Banking and Insurance Regulatory Commission
C、Office of Financial Supervision
D、China Banking Regulatory Commission
5、Which one of the following DOES NOT belong to China's four largest Banks:
A、Bank of China
B、Industrial and Commercial Bank of China
C、China Construction Bank
D、China Merchants Bank
4 China's Securities System
Quiz for Chapter 4
1、China's securities companies are mainly engaged in ( )
A、brokerage business
B、securities underwriting business
C、proprietary-trading business
D、asset management business
2、Currently, the futures exchanges in mainland China include ( )
A、Shanghai Futures Exchange
B、Zhengzhou Commodity Exchange
C、Dalian Commodity Exchange
D、China Financial Futures Exchange
3、According to the China Securities Regulatory Commission (CSRC), the limit on the foreign share of securities companies should be abolished from April 1, 2020.
4、Open-end funds is the dominant form of fund product in China.
5、Trade on an exchange is restricted to brokers who are members of the exchange.
5 China's Insurance System
Quiz for Chapter 5
1、China's first internet insurance company is
A、Zhong'an Insurance
B、Renhe Insurance
C、Anbang Insurance
D、Dajia Baoxian
2、The Insurance Public Publicity Day in China is
A、July 8th
B、Dec 8th
C、Jan 8th
D、Apr 8th
3、The first modern insurance policy is the Florentine Policy.
4、After China joins the WTO, among all financial industries, insurance was the first open to foreign capital.
5、The "insurance + futures" pilot program in China means the exploration of agricultural insurance from "insurance cost" to "insurance cost and insurance income".
6 China's Financial Market System
Quiz for Chapter 6
1、Monetary policy issued by the Central Bank is chiefly concerned with ( )
A、how much money businesses earn
B、the level of interest rates and the nation's money supply
C、how much money people pay in taxes
D、whether people have saved enough money for retirement
2、If a company intends to issue a commercial paper with a face value of US $100,000, an annual discount rate of 6 per cent and a maturity of 60 days, the issuing price of the commercial paper shall be ( )
A、99,000
B、99,500
C、99,900
D、100,000
3、Which of the following is NOT a secondary market?
A、foreign exchange market
B、futures market
C、options market
D、IPO market
4、Which of the following statements about the characteristics of debt and equities is TRUE?
A、They can both be long-term financial instruments.
B、Bond holders are residual claimants.
C、The income from bonds is typically more variable than that from equities.
D、Bonds pay dividends.
5、In a world without information and transaction costs, financial intermediaries would not exist
7 China's Financial Regulatory System
Quiz for Chapter 7
1、Which of the followings are not a banking regulation towards customer relationship?
A、Deposit-taking activities
B、Deposit insurance system
C、High frequency trading
D、Proprietary trading activities
2、China Insurance Regulatory Commission (CIRC), and the banking regulator, the China Banking Regulatory Commission (CBRC), were merged into the China Banking and Insurance Regulatory Commission (CBIRC) in which year?
A、2016
B、2017
C、2018
D、2019
3、What is the recent priority of CBIRC?
A、Increase the total assets of insurance industry
B、Transfer to state-own economy
C、Consumer protection
D、Creates informal social supervision
4、The main regulatory body of Chinese banking system is still China Banking Regulatory Commission (CBRC) in 2020.
5、China Securities Regulatory Commission (CSRC) is the national regulatory body that only oversees the securities in the country.
8 China's Fin-Tech Development
Quiz for Chapter 8
1、The major Fin-tech business forms in China include ( )
A、Internet payment
B、Online lending
C、Internet fund sales
D、Internet consumer finance
2、Unmanned bank utilizes various technologies such as ( )
A、biometrics
B、speech recognition
C、machine learning
D、virtual reality
3、Chinese Fin-tech business will receive more policy support and tougher regulation.
4、In China, Internet fund sellers should sell appropriate fund products to investors with different risk tolerance levels.
5、Chinese regulators cautiously evaluate the impact of fin-tech revolution and design risk prevention measures.
9 China's Inclusive Finance and Green Finance
Quiz for Chapter 9
1、CGN Wind Power Co., Ltd. issued the first "carbon bond" in China in ( )
A、2005
B、2008
C、2014
D、2015
2、Xinjiang golden wind technology Co., Ltd. issued China's first green bond on the Hong Kong stock exchange in ( )
A、2005
B、2007
C、2014
D、2015
3、Compared with the traditional finance, the most outstanding feature of Green Finance is ( )
A、It can increase the income of low-income population.
B、It can reduce information asymmetry and transaction cost.
C、It emphasizes the living environment interests of human society.
D、It completes the policy task as the duty.
4、China's green stock index products can be divided into ( )
A、sustainable development category
B、environmental protection industry
C、environmental ecology category
D、environmental risk category
5、The reason(s) for developing Inclusive Finance include ( )
A、Reducing information asymmetry and transaction cost
B、Eliminating poverty and realizing social stability
C、Improving educational standards and promoting economic development
D、Perfecting infrastructure construction
Final Examination
Sheet for Fall 2020
1、China's Reform and Opening-up began from ( ).
A、1949
B、1978
C、1992
D、1999
2、The following banks are the “Big Four” state-owned banks except: ( )
A、The Agricultural Bank of China
B、The Industrial and Commercial Bank of China
C、China Construction Bank
D、The State Development Bank of China
3、Among PBC, CSRC, CIRC and CBRC, which one was established the latest?
A、PBC
B、CSRC
C、CIRC
D、CBRC
4、The latest financial regulatory framework could be descripted as ( )
A、One Bank and Three Commissions
B、One Committee, One Bank and Two Commissions
C、One Committee, One Bank and One Commissions
D、One Committee, One Bank and Three Commissions
5、The center department of macro-control between 1979 and 1981 is ( )
A、the Planning Commission
B、the People’s Bank of China
C、the Ministry of Finance
D、all above
6、All of the following are the monetary policy innovations except: ( )
A、targeted reduction of the bank required reserve ratio
B、SLF
C、MLF
D、interest rate
7、Which of the followings are not a banking regulation towards customer relationship?( )
A、Deposit-taking activities
B、Deposit insurance system
C、High frequency trading
D、Proprietary trading activities
8、The indicators to measure the change of general price level include :（ ）
A、GDP index
B、Consumer price index (CPI)
C、Producer price index (PPI)
D、All of the above.
9、The ultimate goals of monetary policy NOT include （ ）
A、Stabilize prices
B、Full employment
C、Economic growth
D、Fiscal budget
10、The intermediate targets of monetary policy NOT include （ ）
A、Money supply
B、Discount rate
C、Inflation rate
D、Exchange rate
11、Required reserve policy refers to:（ ）
A、Reserve requirement ratio
B、Adjusting the credit creation ability
C、Money expansion multiplier
D、All of the above
12、Discount policy affects the money supply by affecting the volume of ( ).
A、Excess reserves
B、Discount loans
C、Money multiplier
D、None of the above
13、The advantages of open market operation NOT include:（ ）
A、One size fits all
B、Strong initiative
C、Fine tuning
D、High operational flexibility
14、Which answer in following has a direct impact on people's expectation when the money supply change?
A、The expectation of price change
B、The expectation of economic prospect
C、The expectation of inflation
D、Only A and B of the above
15、Which target is NOT be applied of indirect regulation ？
A、Adjust the money supply
B、Adjust the fund position of commercial banks
C、Taking the loan scale
D、Adjust monetary base
16、The goals of monetary policy include （ ）
A、Ultimate goals
B、Intermediate targets
C、Operational targets
D、All of the above
17、Inflation results in （ ）
A、Ease of planning for the future.
B、Ease of comparing prices over time
C、Lower nominal interest rates
D、Difficulty interpreting relative price movements
18、At the beginning of the 19th century, Which city was the window connecting China and foreign countries?
A、Guangzhou
B、Shanghai
C、Beijing
D、Hong Kong
19、After the founding of the People's Republic of China, the only one insurance company in China was ( ).
A、Pacific Insurance
B、Ping’an Insurance
C、the People's Insurance Company of China
D、China Merchants (Renhe) Life Insurance Company
20、The latest solvency system in China's insurance industry is called ( ).
A、C-ROSS
B、Solvency I
C、Basel Accords
D、Capital Based Solvency System
21、Whose coming marked the opening of China's life insurance market?
A、Swiss Reinsurance
B、Prudential
C、AIA
D、Allianz
22、Critical illness insurance was first introduced in Mainland China in ( ).
A、1995
B、1999
C、2000
D、2002
23、The insurance publicity slogan of China is ( ).
A、Insurance makes you happy.
B、Insurance makes life better.
C、Better Life needs insurance.
D、Happy comes from insurance
24、The domestic insurance business was suspended in ( ).
A、1949
B、1958
C、1968
D、1978
25、What is the largest part in property insurance in China ( ).
A、Motor vehicle insurance
B、Agricultural insurance
C、Credit insurance and guarantee insurance
D、Short-term health insurance
26、China's first internet insurance company is ( ).
A、Zhong'an Insurance
B、Renhe Insurance
C、Anbang Insurance
D、Dajia Baoxian
27、The Insurance Public Publicity Day in China is ( ).
A、July 8th
B、Dec 8th
C、Jan 8th
D、Apr 8th
28、Which of the following groups are not financial intermediaries in the economy?
A、Banks
B、Mutual and pension funds
C、Insurance companies
D、Corporates
29、The over-the-counter (OTC) market is ( )
A、An auction market where trading takes place at a particular physical site like the New York Stock Exchange.
B、A dealer market where brokers and dealers are linked by telecommunications equipment to trade securities.
C、An auction market that trades the majority of stocks.
D、A dealer market that trades securities on the stock exchanges due to the high dollar volume of trading.
30、Financial markets have the basic function of （ ）
A、getting people with funds to lend together with people who want to borrow funds.
B、assuring that the swings in the business cycle are less pronounced.
C、assuring that governments need never resort to printing money.
D、providing a risk-free repository of spending power.
31、Which of the following instruments is NOT traded in a money market?
A、residential mortgages
B、U.S. Treasury Bills
C、negotiable bank certificates of deposit
D、commercial paper
32、A short-term debt instrument issued by well-known corporations is called （ ）
A、commercial paper.
B、corporate bonds.
C、municipal bonds.
D、commercial mortgages.
33、Which of the following money markets is the largest in terms of transaction amount in China?
A、Negotiable CDs
B、Interbank lending market
C、Commercial paper market
D、Repurchase agreements market
34、An important function of secondary markets is to （ ）
A、make it easier to sell financial instruments to raise funds.
B、raise funds for corporations through the sale of securities.
C、make it easier for governments to raise taxes.
D、create a market for newly constructed houses.
35、Which of the following is the main channel of direct financing for corporates in China?
A、Stock market
B、Bond market
C、Money market
D、Commercial paper market
36、Which of the following is NOT a secondary market?
A、foreign exchange market
B、futures market
C、options market
D、IPO market
37、Which of the following statements about the characteristics of debt and equities is TRUE?
A、They can both be long-term financial instruments.
B、Bond holders are residual claimants.
C、The income from bonds is typically more variable than that from equities.
D、Bonds pay dividends.
38、Which of the following statements about financial markets and securities is TRUE?
A、Many common stocks are traded over-the-counter, although the largest corporations usually have their shares traded at organized stock exchanges such as the Shanghai Stock Exchange.
B、As a corporation gets a share of the broker's commission, a corporation acquires new funds whenever its securities are sold.
C、Capital market securities are usually more widely traded than shorter-term securities and so tend to be more liquid
D、Prices of capital market securities are usually more stable than prices of money market securities, and so are often used to hold temporary surplus funds of corporations.
39、Monetary policy issued by the Central Bank is chiefly concerned with ( )
A、how much money businesses earn.
B、the level of interest rates and the nation's money supply
C、how much money people pay in taxes.
D、whether people have saved enough money for retirement.
40、Well-functioning financial markets ( )
A、cause inflation.
B、eliminate the need for indirect finance.
C、cause financial crises.
D、allow the economy to operate more efficiently.
41、If a company intends to issue a commercial paper with a face value of US $100,000, an annual discount rate of 6 percent and a maturity of 60 days, the issuing price of the commercial paper shall be ( )
A、99,000
B、99,500
C、99,900
D、100,000
42、Which of the following is NOT a secondary market?
A、foreign exchange market
B、futures market
C、options market
D、IPO market
43、Which of the following statements about the characteristics of debt and equities is TRUE?
A、They can both be long-term financial instruments.
B、Bond holders are residual claimants.
C、The income from bonds is typically more variable than that from equities.
D、Bonds pay dividends.
44、Short-term government bonds are considered the safest of all money market instruments because there is a low probability of ( )
A、defeat
B、default
C、desertion
D、demarcation
45、The merge of CIRC and CBRC happened at which year?
A、1988
B、1998
C、2008
D、2018
46、Which of the following is not a major responsibility of CBIRC?
A、Supervise the financial health of insurance companies
B、Supervise fair competition in industry
C、Supervise insurance companies with overseas operations
D、Similar functions to SEC in U.S.
47、Which of the following ratio is not used for measuring Liquidity Risks?
A、liquidity coverage ratio
B、NSFR
C、liquidity matching ratio
D、Tier I capital ratio
48、Which of the following is not regarded as banking relationship with their customers?
A、FDIC
B、Deposit-taking activities
C、Deposit insurance system
D、Proprietary trading activities
49、Which of the following are not the primary responsibility of CSRC?
A、Supervise the securities and futures business institutions
B、Supervise the communication of the securities and futures information
C、Supervise the deposit taking institutions
D、Supervise the direct or indirect issuance and listing of shares
50、Which of the following are not available action of CSRC?
A、Fine companies for manipulating stock price
B、Directly force companies into bankruptcy
C、Ban traders from insider trading
D、Penalties to violators
51、Since June, 2012, the minimum capital requirement ratio requires a Tier 1 capital of ( )
A、6%
B、7%
C、8%
D、9%
52、Which of the followings are not a banking regulation towards customer relationship? ( )
A、Deposit-taking activities
B、Deposit insurance system
C、High frequency trading
D、Proprietary trading activities
53、By the end of 2018, the high-quality liquid asset adequacy ratio in China needs to be at least ( )
A、60%
B、80%
C、100%
D、120%
54、Which of the following cities has a major stock exchange in China ( )
A、Shenzhen
B、Beijing
C、Nanjing
D、Guangzhou
55、Which of the following statement is not true ( )
A、Speculators dominate the Chinese stock markets
B、It is difficult for minority shareholder to protect their interests
C、Western concept of corporate governance has been fully embraced
D、Amendments to the Securities Law came in effect as of 1 January 2006.
56、The major duties of CSRC does not include ( )
A、Supervise the communication of the securities and futures information
B、Supervise the securities and futures business institutions
C、Supervise the listing of stocks
D、Supervise the daily operation of listed firms
57、Which department is not one of the 4 departments within the newly established CBIRC, which specifically in charge of insurance regulation? ( )
A、Property and Casualty Insurance Supervision
B、Life Insurance Supervision
C、Insurance Marketing Department
D、Insurance Fund Investment Supervision Department
58、China Insurance Regulatory Commission (CIRC), and the banking regulator, the China Banking Regulatory Commission (CBRC), were merged into the China Banking and Insurance Regulatory Commission (CBIRC) in which year? ( )
A、2016
B、2017
C、2018
D、2019
59、What is the recent priority of CBIRC? ( )
A、Increase the total assets of insurance industry
B、Transfer to state-own economy
C、Consumer protection
D、Creates informal social supervision
60、Inclusive finance is a concept proposed by the United Nations in the ( )
A、2000
B、2002
C、2005
D、2008
61、The first RMB green bond issued in ( )
A、2005
B、2008
C、2010
D、2014
62、CGN Wind Power Co., Ltd. issued the first "carbon bond" in China in ( )
A、2005
B、2008
C、2014
D、2015
63、Xinjiang golden wind technology Co., Ltd. issued China's first green bond on the Hong Kong stock exchange in ( )
A、2005
B、2007
C、2014
D、2015
64、Compared with the traditional finance, the most outstanding feature of Green Finance is ( )
A、It can increase the income of low-income population
B、It can reduce information asymmetry and transaction cost
C、It emphasizes the living environment interests of human society
D、It completes the policy task as the duty
65、The People's Bank of China was formed from the merger of the following banks: ( )
A、North China Bank
B、North Sea Bank
C、Northwest Farmers Bank
D、Lirv Bank
66、Which is the characteristic of New Normal of China: ( )
A、the growth rate changes from high speed to medium-to-high speed
B、the pattern of economic development changes from extensive growth focusing on scale and speed to intensive growth paying attention on quality and efficiency
C、economic structure changes from increasing capacity to adjusting the stock, and optimizing the structure
D、economic development forces change from traditional growth points to new sources of growth
67、China's securities companies are mainly engaged in ( )
A、brokerage business
B、securities underwriting business
C、proprietary-trading business
D、asset management business
68、Fund investment provides the benefits of ( )
A、economies of scale
B、diversification
C、liquidity
D、professional management
69、Currently, the futures exchanges in mainland China include ( )
A、Shanghai Futures Exchange
B、Zhengzhou Commodity Exchange
C、Dalian Commodity Exchange
D、China Financial Futures Exchange
70、Securities Exchanges in China provide main functions include ( )
A、providing the venue and facilities for securities trading
B、arranging securities listing
C、formulating and revising transaction rules
D、releasing market information
71、What are the so called ABCD technology of Fin-tech? ( )
A、Artificial Intelligence
B、Blockchain
C、Cloud Computing
D、Big-Data
72、The major Fin-tech business forms in China include ( )
A、Internet payment
B、Online lending
C、Internet fund sales
D、Internet consumer finance
73、Unmanned bank utilizes various technologies such as ( )
A、biometrics
B、speech recognition
C、machine learning
D、virtual reality
74、The characteristics of Inclusive Finance include ( )
A、Inclusiveness
B、Convenience
C、Sustainability
D、Responsibility
75、The characteristics of Green Finance include ( )
A、It emphasizes the living environment interests of human society.
B、It needs to be promoted by government policies.
C、It does not care about environmental management and social risks.
D、It takes economic benefit as the goal.
76、The three important documents on Inclusive Finance submitted during the G20 include ( )
A、<G20 advanced principles of digital Inclusive Finance>
B、<G20 inclusive finance index system>
C、<G20 implementation framework for SME financing plan>
D、<G20 Green finance index system >
77、The main Green finance products in China can be broadly divided into ( )
A、Green financing products
B、Green investment products
C、Environmental risk management products
D、Green credit
78、Green investment products mainly include Green investment products mainly include ( )
A、green fund
B、green insurance
C、green index
D、carbon financial products
79、China's green stock index products can be divided into （ ）
A、sustainable development category
B、environmental protection industry
C、environmental ecology category
D、environmental risk category
80、The reason(s) for developing Inclusive Finance include ( )
A、Reducing information asymmetry and transaction cost
B、Eliminating poverty and realizing social stability
C、Improving educational standards and promoting economic development
D、Perfecting infrastructure construction
81、The phenomena that Among “scholar, farmer, artisan and merchant”, the merchant ranks last, reflects the fact that commerce was suppressed for a long time in China’s history.
82、After the founding of new China, China began to implement the market-oriented economy system immediately.
83、Before 1987, there was only one insurance company in China, named People's Insurance Company of China.
84、Before 1978, the macro-control was mainly relied on administrative means in China.
85、The main regulatory body of Chinese banking system is still China Banking Regulatory Commission (CBRC) in 2020.
86、It is assumed that bonds, loans and stocks in the economy are perfect substitutes in the monetary channel.
87、The development of China's monetary policy transmission mechanism include five stages
88、The expected behavior is that the economic subject estimates the future economic situation or economic variables after making economic decisions.
89、When the Central Bank carries out contractionary monetary policy, the interest rate of the whole market would be driven up.
90、Securities brokers execute buy and sell orders for their customers.
91、The securities firms are facing fierce competition in their traditional intermediary business, such as fee rate reduction.
92、Large commercial banks and insurance companies are the new entrants into China’s securities industry.
93、According to the China Securities Regulatory Commission (CSRC), the limit on the foreign share of securities companies should be abolished from April 1, 2020.
94、The securities corporations usually set initial margin requirement and maintenance margin requirement for their customers.
95、Index funds passively replicate and track the performance of some stock indexes.
96、Open-end funds are the dominant form of fund product in China.
97、Fund managers in china are facing the challenge of declining fee rate due to intensified completion.
98、Financial futures provide “price discovery” and risk hedging tools for investors.
99、Commission income and interest income from margin account are the two main sources of operating income for futures companies in China.
100、Chinese commodity derivatives market implements T + 0 trading mechanism.
101、Transaction activities in futures market affects the profit level of futures companies.
102、China has the largest commodity futures market and the largest agricultural futures market in the world.
103、The 2 major stock exchanges in mainland China are Shanghai Stock Exchange and Shenzhen Stock Exchange.
104、Trade on an exchange is restricted to brokers who are members of the exchange.
105、The Shanghai Stock Exchange and the Shenzhen Stock Exchange are under the supervision of China Securities Regulatory Commission.
106、The first modern insurance policy is the Florentine Policy.
107、After China joins the WTO, among all financial industries, insurance was the first open to foreign capital.
108、The "insurance + futures" pilot program in China means the exploration of agricultural insurance from "insurance cost" to "insurance cost and insurance income".
109、In a world without information and transaction costs, financial intermediaries would not exist.
110、The first law and the insurance law established a basic framework for the insurance industry.
111、The banking regulation reform is a part of the economic reform plan in China.
112、CSRC could not directly supervise the Shanghai and Shenzhen stock exchange.
113、The banking regulation is a part of economic reform in China, which transition state-owned economic to a more open system.
114、The main regulatory body of Chinese banking system is still China Banking Regulatory Commission (CBRC) in 2020.
115、China Securities Regulatory Commission (CSRC) is the national regulatory body that only oversees the securities in the country.
116、The CSRC is the functional equivalent of the Securities and Exchange Commission (SEC) of the U.S., charged with maintaining orderly and fair markets.
117、Insurance regulation is governed by laws passed by the National People’s Congress (NPC).
118、The China Insurance Regulatory Commission (CIRC) was was founded on November, 1998.
119、In China, IT giants’ fin-tech related revenue has grown rapidly in the last years.
120、Chinese Fin-tech business will receive more policy support and tougher regulation.
121、Big data credit reporting belongs to the high stage of Fin-tech application.
122、The efficiency of traditional finance can be greatly improved by fin-tech.
123、Large commercial banks in China establish their own fin-tech subsidiaries in order to seek business transformation.
124、In traditional payment business, banks charge transfer fees for profit.
125、In China, Internet fund sellers should sell appropriate fund products to investors with different risk tolerance levels.
126、China ranks the first in terms of mobile payment penetration rate worldwide.
127、Fin-tech supports China's fighting against Covid-19 by providing "contactless" financial services.
128、Chinese regulators cautiously evaluate the impact of fin-tech revolution and design risk prevention measures.
129、Some technology companies take advantage of their market status to unduly collect and abuse customer data.
130、Some third-party payment companies in China add investment functions to customers' online shopping reserves and act like money market mutual fund (MMMF).
131、At current stage, banks still need to arrange staff for certain on-site services.
132、Quantum computer can calculate at much higher speed than electronic computer.
133、Quantum computing technology can be applied to high frequency stock trading.
134、5G technology will improve the speed of mobile financial services and reduce the payment jams.
135、Blockchain technology makes digital bill transaction more secure.
136、Digital asset securitization improve the liquidity of digital assets.
137、The post-80s and 90s generations in China are more willing to support product purchase with borrowing than their parents.
学习通中国金融制度_1
中国金融制度是指中国制定的金融政策和相关监管机构的运作方式，它的发展历程可以追溯至新中国成立后的金融改革。
新中国金融制度的发展
新中国成立后，为了实现国家现代化建设，中国开始实行社会主义经济体制，同时也进行了金融制度的改革。在1952年，中国人民银行成立，成为中国的中央银行，承担起了货币发行、金融业务监督等重要职责。
1955年，金融机构进一步统一，国有银行、农村信用社、邮政储蓄等金融机构成为一个整体，逐步实现了国家对金融行业的控制。但由于历史原因，中国的金融体系长期以来都是由国有银行主导的，民营银行和外资银行难以进入市场，这对于金融行业的健康发展造成了一定的影响。
中国金融改革与开放
随着改革开放的深入，中国开始逐步放宽对金融市场的管制，加强金融监管，推进金融市场的开放与发展。1984年，中国设立了首家合资银行——华一银行，标志着中国金融业对外开放的开始。随后，中国陆续放宽了对外资银行的准入条件，引进了大量国际银行，助力中国金融市场的发展。
1997年，中国成立了中国证券监督管理委员会，全面加强对股票市场的监管，进一步完善了金融体系。2004年，中国开放了金融衍生品市场，标志着中国金融市场已经进入了一个全新的阶段。
中国金融市场的特点
目前，中国金融市场的特点主要有以下几个方面：
- 国有银行仍然是市场主导，但已经逐步向私营和外资银行敞开了大门；
- 股市和债市正在迅速发展，尽管在短期内存在波动，但长期来看前景广阔；
- 金融科技的发展极为迅速，让金融市场更加便捷高效；
- 中国在金融市场上的作用极为重要，的政策调整和干预可以对金融市场产生较大的影响。
结语
总的来说，中国金融市场的发展日益成熟，成为全球金融市场中的重要一员。随着政策的逐步放开和金融科技的不断创新，中国的金融市场将会迎来更广阔的前景。
学习通中国金融制度_1
中国金融制度是指中国制定的金融政策和相关监管机构的运作方式，它的发展历程可以追溯至新中国成立后的金融改革。
新中国金融制度的发展
新中国成立后，为了实现国家现代化建设，中国开始实行社会主义经济体制，同时也进行了金融制度的改革。在1952年，中国人民银行成立，成为中国的中央银行，承担起了货币发行、金融业务监督等重要职责。
1955年，金融机构进一步统一，国有银行、农村信用社、邮政储蓄等金融机构成为一个整体，逐步实现了国家对金融行业的控制。但由于历史原因，中国的金融体系长期以来都是由国有银行主导的，民营银行和外资银行难以进入市场，这对于金融行业的健康发展造成了一定的影响。
中国金融改革与开放
随着改革开放的深入，中国开始逐步放宽对金融市场的管制，加强金融监管，推进金融市场的开放与发展。1984年，中国设立了首家合资银行——华一银行，标志着中国金融业对外开放的开始。随后，中国陆续放宽了对外资银行的准入条件，引进了大量国际银行，助力中国金融市场的发展。
1997年，中国成立了中国证券监督管理委员会，全面加强对股票市场的监管，进一步完善了金融体系。2004年，中国开放了金融衍生品市场，标志着中国金融市场已经进入了一个全新的阶段。
中国金融市场的特点
目前，中国金融市场的特点主要有以下几个方面：
- 国有银行仍然是市场主导，但已经逐步向私营和外资银行敞开了大门；
- 股市和债市正在迅速发展，尽管在短期内存在波动，但长期来看前景广阔；
- 金融科技的发展极为迅速，让金融市场更加便捷高效；
- 中国在金融市场上的作用极为重要，的政策调整和干预可以对金融市场产生较大的影响。
结语
总的来说，中国金融市场的发展日益成熟，成为全球金融市场中的重要一员。随着政策的逐步放开和金融科技的不断创新，中国的金融市场将会迎来更广阔的前景。
