Đề thi, bài tập trắc nghiệm online Tài chính – Tiền tệTrắc nghiệm Tài chính Tiền tệ tiếng Anh Đăng vào 3 Tháng 5, 2026 bởi admin Trắc nghiệm Tài chính Tiền tệ tiếng Anh Trắc nghiệm Tài chính Tiền tệ tiếng Anh Số câu25Quiz ID40426 Làm bài Câu 1 Which economic principle states that 'bad money drives out good' when two forms of commodity money are in circulation with the same face value but different intrinsic values? A Say's Law B Gresham's Law C Okun's Law D Fisher's Principle Câu 2 If the required reserve ratio is 10% and the central bank injects 1,000 dollars of new reserves into the banking system, what is the maximum possible increase in the total money supply, assuming no currency drain? A 1,000 dollars B 100,000 dollars C 10,000 dollars D 9,000 dollars Câu 3 According to the 'Strong' form of the Efficient Market Hypothesis, stock prices reflect what level of information? A Only past historical prices and volumes B Only public information available to all investors C All information, including public and private (insider) information D None of the information currently available Câu 4 Financial intermediaries provide a process called 'asset transformation' which primarily involves what activity? A Buying and selling stocks for customers B Printing currency for the government C Turning liquid liabilities into illiquid assets D Standardizing the value of commodity money Câu 5 In financial markets, which phenomenon occurs BEFORE a transaction when potential borrowers who are the most likely to produce undesirable outcomes are the ones who most actively seek out loans? A Moral hazard B Free-rider problem C Adverse selection D Liquidity risk Câu 6 Why is central bank independence generally considered beneficial for long-term economic stability? A It allows the government to fund deficits more easily B It ensures that the central bank follows the President's orders C It reduces the likelihood of a political business cycle and high inflation D It guarantees that interest rates will always remain low Câu 7 According to Keynes's Liquidity Preference Theory, an increase in the price level will have what effect on the demand for money and interest rates? A Decrease money demand and lower interest rates B Increase money demand and raise interest rates C Decrease money demand and raise interest rates D Increase money demand and lower interest rates Câu 8 If the market interest rate rises above the coupon rate of an existing bond, what happens to the market price of that bond? A It rises above the face value B It falls below the face value C It remains equal to the face value D It becomes equal to the coupon rate Câu 9 If the total value of nominal GDP in an economy is 2,000 billion dollars and the money supply is 500 billion dollars, what is the velocity of money? A 0.25 B 10 C 2,500 D 4 Câu 10 What does an inverted yield curve, where long-term interest rates are lower than short-term interest rates, typically signal to economists? A An upcoming period of high inflation B A period of rapid economic expansion C An upcoming economic recession D Stability in future short-term rates Câu 11 Under the Basel III framework, what is the primary purpose of the Capital Adequacy Ratio (CAR)? A To limit the total number of branches a bank can open B To ensure banks can absorb losses and remain solvent C To set a maximum limit on interest rates for loans D To mandate a 100% reserve requirement on all deposits Câu 12 According to the Federal Reserve's definitions of monetary aggregates, which of the following is included in M2 but NOT in M1? A Currency in circulation B Checkable deposits C Small-denomination time deposits D Demand deposits Câu 13 If the nominal interest rate is 7% and the expected inflation rate is 3%, what is the ex-ante real interest rate according to the Fisher equation? A 10% B 4% C 2.33% D 21% Câu 14 If a bank faces a sudden deposit outflow that exceeds its excess reserves, which of the following is the most immediate way for the bank to acquire liquidity? A Calling in all long-term mortgage loans B Borrowing from other banks in the interbank market C Selling its physical buildings and equipment D Declaring immediate bankruptcy Câu 15 Which of the following is a key requirement for a central bank to successfully implement an inflation targeting regime? A Institutional independence and transparency B Maintaining a fixed exchange rate at all times C Keeping interest rates constant regardless of inflation D Ensuring the government budget is always in surplus Câu 16 If a basket of goods costs 100 dollars in the US and 80 pounds in the UK, what should the exchange rate be according to the theory of Purchasing Power Parity (PPP)? A 0.8 dollars per pound B 1.25 dollars per pound C 1.00 dollar per pound D 1.50 dollars per pound Câu 17 The difference between the interest rate on a corporate bond and the interest rate on a default-free Treasury bond of the same maturity is called what? A Liquidity premium B Risk premium C Inflation premium D Term premium Câu 18 According to the Expectations Theory of the term structure, a flat yield curve indicates that market participants expect future short-term interest rates to do what? A Rise significantly B Fall sharply C Remain unchanged D Become volatile Câu 19 If the money supply is 500 dollars, the velocity of money is 4, and real GDP is 1,000 units, what is the price level according to the Equation of Exchange (MV = PY)? A 0.5 B 5 C 20 D 2 Câu 20 Which function of money is being performed when you compare the prices of two different models of smartphones in a retail store? A Medium of exchange B Unit of account C Store of value D Standard of deferred payment Câu 21 Which problem arises AFTER a transaction occurs when a borrower engages in risky activities that make it less likely the loan will be paid back? A Moral hazard B Adverse selection C Sunk cost fallacy D Information rent Câu 22 On a commercial bank's balance sheet, which of the following is categorized as a liability? A Consumer loans B Reserves at the central bank C Checkable deposits D Government securities Câu 23 Which tool of monetary policy involves the buying and selling of government securities by the central bank to influence the level of reserves in the banking system? A Open market operations B Discount window lending C Reserve requirement adjustments D Interest on excess reserves Câu 24 Quantitative Easing (QE) differs from traditional open market operations primarily because QE involves what? A Selling short-term government bills to reduce liquidity B Purchasing long-term securities to lower long-term interest rates C Raising the required reserve ratio for commercial banks D Directly lending to consumers at zero interest rates Câu 25 What is the specific interest rate that the central bank charges on the loans it makes directly to commercial banks? A Federal funds rate B Prime rate C Discount rate D LIBOR Trắc Nghiệm Tài Chính Tiền Tệ Đại Học Kinh Tế 120 câu trắc nghiệm nhập môn tài chính tiền tệ
