#What kind of functions do commercial banks have?

#How many are types of commodity buyers ?
+two - transactions and speculators
- One - future contracts
- One - financial product
- Two ¬ buy and sell

#When handling our money, which kinds of risks take banks?

+Credit risks, market risks, operational risks
- insurance, credit risks, exchange risks
- safety, savings risk, market risks
- Financial risks, operational risks, budget risks

#If you can’t pay back your secured loan, the lender will seize an asset such as your house or car as what ?

+collateral
- condition
- capacity
- Debt

#Which word corresponds to the following definition ?

________ refers to your ability to repay a loan by looking at your job stability and your debt compared to your income, known as the debt to-income ratio?
+capacity
- credit history
- capital
- сollateral

#How many C’s use banks for reduce risks ?

+5
- 6
- 2
- 3

#What determine interactions between investors and borrowers in the bond market ?

+interest rates
- huge budget
- size of expenditure
- Capacity

#How many key components comprise financial markets ?

+five
- Four
- Six
- Ten

#Where are traded equity instruments?

+stock market
- capital market
- financial budget
- Retail market

#What is the common type of mortgage-backend security?

+a mortgage pass-through
- a mortgage market
- Investors
- customers

#With the growth of nonlocal trade, the development of payment media became linked to what?

+the financing of trade
- seaborne trade
- borrowing
- Budget

#In preindustrial economies, finance was largely concerned with development of what?

+a medium of exchange
- a lack of exchange
- a large scale of industrialization
- a huge amount of expenditure

#Apart from financing of the governments and seaborne which things were informal and on a small scale?

+ borrowing and lending
- credit cards and savings
- banks and business accounts

#What is financial evolution ?

+Financial evaluation is the process of comparing the financial benefits of a project or a project component as indicated by the financial internal rate of return (FIRR) with the financial cost as indicated by the weighted average cost of capital (WACC)
- Fundamentally, financial evolution is about overcoming “costs” incurred in the financial system
- Financial evolution is the process of evaluating businesses, projects, budgets, and other finance-related transactions to determine their performance and suitability
- Financial evolution is the process of evaluating businesses, projects, budgets, and other finance-related transactions to determine their performance and suitability

#What kind of situation financial crisis include from the options given below?

+ bursting of a speculative financial bubble
- a stock market progress
- cash flow
- Income and outcomes

#What definition is true about financial crisis from the options given below ?

+financial crisis, asset prices see a steep decline in value, businesses and consumers are unable to pay their debts, and financial institutions experience liquidity shortages
- A financial crisis is an economic arrangement wherein financial institutions facilitate the transfer of funds and assets between borrowers, lenders, and investors
- Financial crisis is the process of evaluating businesses, projects, budgets, and other finance-related transactions to determine their performance and suitability
- Fundamentally, financial evolution is about overcoming “costs” incurred in the financial system

#By what factor can be caused financial crisis ?

+ overvalued assets, systemic and regulatory failures
- rapid liberalisation of the financial sector, inadequate economic policy
- noncredible exchange rate mechanism, inefficient resource allocation
- regulatory failures, and resulting consumer panic

#What are the stages of a financial crisis?

+launch of the crisis, breakdown of the financial system and assets decrease in value
- regulatory failures, and resulting consumer panic
- systemic failures, unanticipated or uncontrollable human behavior
- overvalued assets, systemic and regulatory failures

#When financial markets around the world were showing signs that the reckoning was overdue for a years-long binge on cheap credit ?

+ by the summer of 2007
- by the autumn of 2008
- by the winter of 2007
- by the 23 th of July of 2004

#Why is financial literacy important ?

+ it equips us with the knowledge and skills we need to manage money effectively
- it enables you to assess your financial needs and the resources required to support and meet your objectives and to fulfill your organisations' overarching objective, as well as plan for continued growth to enable business success and sustainability
- it intends to help people secure financial services and products at economical prices such as deposits, fund transfer services, loans, insurance, payment services, etc
- overvalued assets, systemic and regulatory failures

#What is the financial literacy ?

+ it is the ability to understand and effectively use various financial skills, including personal financial management, budgeting, and investing. Financial literacy is the foundation of your relationship with money, and it is a lifelong journey of learning
- it means planning, organizing, directing and controlling the financial activities such as procurement and utilization of funds of the enterprise
- it refers to the funding of long-term projects, such as public infrastructure or services, industrial projects, and others through a specific financial structure
- overvalued assets, systemic and regulatory failures