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speakingcat · 2021年09月26日

整体解释

NO.PZ2020042003000106

问题如下:

The following statements are about the types of deposits. Which of the following statement

is NOT correct?

选项:

A.

Noninterest-bearing demand deposits offer no interest but provide customer with payment services, safekeeping of funds, and recordkeeping.

B.

Noninterest-bearing demand deposits are among the most volatile and least predictable of sources of funds, as they can be withdrawn without prior notice.

C.

Interest-bearing demand deposits pay interest but do not provide the services that Noninterest-bearing demand deposits have.

D.

Time deposit carries fixed maturity dates with fixed and sometimes fluctuating interest rates. It must carry a minimum maturity of 7 days and cannot withdrawn before that.

解释:

考点:对Types of Deposits Offered by Depository Institutions的理解

答案:C

解析:

选项C错误。Interest-bearing demand deposit不仅提供利息,而且还提供Noninterest-bearing demand deposits的所有业务。

什么叫transaction deposits 和demand deposits?
1 个答案

DD仔_品职助教 · 2021年09月26日

嗨,努力学习的PZer你好:


同学你好~

transaction deposits是交易存款,demand deposit是活期存款,这两种存款都是可以随时支取的,流动性非常强,对于银行而言,这部分的存款波动率就会非常大,非常不好预测。所以银行是不给他们支付利息的,他们属于non-interest bearing。


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