【VIP专享】chap5习题解答
基础化学第二版课后习题答案
基础化学第二版课后习题答案【篇一：基础化学第二版习题答案chap5】1．何谓沉淀溶解平衡？同物质的量的bacl2和h2so4混合溶液中，含有哪些离子？这些离子浓度之间存在着哪些关系？答：难溶电解质溶解和沉淀速度相等，固体的量和溶液中分子或离子的量不再改变的状态，称为沉淀溶解平衡。
ba2+、cl-、so4、h+、oh-2?2．活度积、溶度积、离子积之间有何区别与联系？答：活度积、溶度积指平衡状态下的活度积或浓度积，对给定的难溶电解质其活度积只与温度有关，溶度积不但与温度有关，还和溶液离子强度有关，对于ma型难溶电解质：?ksp(ma)。
离子积指任意状态下的浓度积，其值是任意的。
?(m?)??(a?)3．无副反应时，沉淀的溶度积与溶解度有何关系？溶度积小的物质，它的溶解度是否一定小？举例说明。
答：s?mmnn不同类型难溶电解质的溶解度不能根据溶度积数值大小直接判断。
溶度积小的物质，它的溶解度是不一定小，如ag2cro4与agcl。
4．除了沉淀物质本性以外，影响沉淀溶解度的主要因素有哪些？答：除了沉淀物质本性以外，影响沉淀溶解度的主要因素还有：同离子效应、盐效应、酸碱效应、配位效应等。
5．判断下列操作中可能发生的反应和现象并予以解释。
（1）将少量caco3固体放入稀hcl中。
（2）将少量mg(oh)2放入nh4cl溶液中。
答：（1）caco3固体溶解，有无色无味气体产生。
caco3(s)ca2+ ＋ co32-＋2h+h 2co 3→co2 +h 2o（2）mg（oh）2固体溶解，有无色刺激性气体产生。
的氨水，有肉色沉淀生成。
原因是饱和h2s水溶液提供的s2-很少，此时mg(oh)2(s)mg2+ ＋ 2oh-＋2nh4+（4）黑色固体变成白色固体。
so42- +h2o（5）白色沉淀变成黄色沉淀。
agcl（白）+ i-（6）浅兰色沉淀消失，生成深兰色溶液。
cu（oh）2 + 4nh3pb2++so42-→pbso4↓（白）agi（黄）+cl-[cu（nh3）4]（oh）2答：（1）（2）减小（同离子效应）；（3）增大（盐效应）；（4）增大（配位效应）。
chap5 第5章 三相异步电动机原理2-1
第一节 三相异步电动机运行时的电磁过程 当三相异步电动机的定子绕组接到对 称三相电源时，定子绕组中就通过三相 交流电流。若不计谐波和齿槽影响，这 个对称三相交流电流将在气隙内形成按 正弦规律分布、并且以同步转速ns旋转 的旋转磁动势F1，由旋转磁动势F1建立 旋转的气隙主磁场Bm。 这个旋转磁场切割定子、转子绕组， 分别在定子、转子绕组内感应出定子电 动势和转子电动势。在转子电动势作用 下转子回路中有对称三相电流流过。于 是，在气隙磁场和转子电流的相互作用 下，产生了电磁转矩，转子就顺着旋转 磁场的方向转动。
异步电动机 的电流比
励磁电流
m1 N1kW 1 m2 N 2 kW 2 F2 0.9 I 2 0.9 I2 2 p 2 p
（二）电动势平衡方程式
U1 ( E1 ) ( E1 ) I1r1 E2 s ( E2 s ) I 2 (r2 R )
异步电动机带有负载后，转子转速降低，设转子以 转速 旋转，此时显然，旋转磁场的同步转速和转 子转速之间有一个同方向的相对运动，即旋转磁场 以转速差 n n 在切割转子绕组，电磁关系也将发 s 生变化。
n
I2 负载时，不再认为 E 2s 0 ， 0 ，且 I 2 也形成 了磁动势 F 2 ，要弄清异步电机负载的物理情况，首 先要分析转子磁动势的性质。
m1 N1kW 1 m2 N 2 kW 2 m1 N1kW 1 0.9 I1 0.9 I 2 0.9 Im 2 p 2 p 2 p
ki
令 I 1 I 则 2 2
I1 I m ( I 2 )
负载电流
m1 N1kW 1 ki m2 N 2 kW 2
chap5中级宏观经济学答案 华中科技大学
Microeconomics, 4e (Perloff)Chapter 5 Applying Consumer Theory5.1 Deriving Demand Curves1) The above figure shows Bobby's indifference map for juice and snacks. Also shown are three budget lines resulting from different prices for snacks assuming he has $20 to spend on these goods. Which of the following points are on Bobby's price-consumption curve?A) 10 snacks and 20 juicesB) 10 snacks and 0 juicesC) 10 snacks and 5 juicesD) 10 snacks and 15 juicesAnswer: DTopic: Deriving Demand Curves2) The above figure shows Bobby's indifference map for juice and snacks. Also shown are three budget lines resulting from different prices for snacks assuming he has $20 to spend on these goods. Which of the following points are on Bobby's demand curve for snacks?A) p = 2, q = 10B) p = 2, q = 13C) p = 2, q = 5D) p = 1, q = 20Answer: CTopic: Deriving Demand Curves3) The above figure shows Bobby's indifference map for juice and snacks. Also shown are three budget lines resulting from different prices for snacks. This information could be used to determineA) the slope of Bobby's demand curve for juice.B) the amount by which Bobby's demand curve for juice shifts when his income rises.C) the amount by which Bobby's demand curve for juice shifts when the price of snacks rises.D) All of the above.Answer: CTopic: Deriving Demand Curves4) The above figure shows Bobby's indifference map for juice and snacks. Also shown are three budget lines resulting from different prices for snacks. As the price of snacks rises, Bobby's utilityA) stays the same.B) increases.C) decreases.D) might change, but there is not enough information to determine.Answer: CTopic: Deriving Demand Curves5) The above figure shows Bobby's indifference map for juice and snacks. Also shown are three budget lines resulting from different prices for snacks. Bobby's demand for snacks isA) unit elastic.B) elastic.C) inelastic.D) perfectly elastic.Answer: CTopic: Deriving Demand Curves6) The above figure shows Bobby's indifference map for juice and snacks. Also shown are three budget lines resulting from different prices for snacks. As the price of snacks rises, the price for juiceA) stays the same.B) increases.C) decreasesD) might change, but there is not enough information to determine.Answer: ATopic: Deriving Demand Curves7) An individual's demand curve for a good can be derived by measuring the quantities selected asA) the price of the good changes.B) the price of substitute goods changes.C) income changes.D) All of the above.Answer: ATopic: Deriving Demand Curves8) As the price of a good rises, the consumer will experienceA) a desire to consume a different bundle.B) a decrease in utility.C) a southwesterly movement on the indifference map.D) All of the above.Answer: DTopic: Deriving Demand Curves9) An increase in the price of a good causesA) a change in the slope of the budget line.B) an increase in the consumption of that good.C) a rightward shift of the demand curve for that good.D) a parallel rightward shift of the budget line.Answer: ATopic: Deriving Demand Curves10) Suppose a graph is drawn to show a consumer's preferences for football tickets and basketball tickets. The quantity of football tickets is measured on the horizontal axis. If the price-consumption curve is horizontal when the price of football tickets changes, thenA) football tickets are an inferior good.B) the demand for football tickets is perfectly elastic.C) the demand for football tickets is unit elastic.D) the demand curve for football tickets will be horizontal.Answer: CTopic: Deriving Demand Curves11) In the relevant price range a demand curve for a Giffen good would beA) upward sloping.B) downward sloping.C) horizontal.D) vertical.Answer: ATopic: Deriving Demand Curves12) Suppose the quantity of x is measured on the horizontal axis. If the price consumption curve is vertical when the price of x changes, then the demand for x isA) perfectly elastic.B) perfectly inelastic.C) unit elastic.D) There is not enough information to determine the price elasticity of demand for x.Answer: BTopic: Deriving Demand CurvesFor the following, please answer "True" or "False" and explain why.13) If the price-consumption curve is upward sloping when the price of the good measured on the horizontal axis changes, then the demand curve for that good will be upward sloping.Answer: False. An upward-sloping price-consumption curve indicates that as the price of the good falls, more of both goods will be purchased. So, the demand curve for the good measured on the horizontal axis slopes downward.Topic: Deriving Demand Curves14) Draw two graphs, one directly above the other. On the upper graph, label the vertical axis Good X and label the horizontal axis Good Y. On the lower graph, label the vertical axis the Price of good Y and label the horizontal axis Good Y. In the upper graph, show the income and substitution effects of a decrease in the Price of good Y when Y is a Giffen good. Draw the corresponding demand curve for Good Y in the lower graph.Answer:See the above figure. Point A is the original consumption point. The movement from point A to point B is the substitution effect. The movement from point B to point C is the income effect.Topic: Deriving Demand Curves15) The above figure shows a consumer's indifference curves for soda and all other goods. Assuming a budget of $100, derive the consumer's demand for soda for prices of $4 and $10 per case of soda. Estimate the price elasticity of demand for soda.Answer: At a price of $4, 15 cases are purchased, At a price of $10, 6 cases are purchased. In both cases, the same total amount, $60, is spent on soda. This implies unit elasticity.Topic: Deriving Demand Curves16) Use the Slutsky equation to show that a Giffen good must be an inferior good, BUT an inferior good need not be a Giffen good.Answer: The Slutsky equation may be written as dQ/dp Total dp Total = dQ/ dp subs - _(dQ/dI). For a Giffen good, dQ/dp Total is positive, which implies that - _(dQ/dI) must be positive and large enough to offset dQ/ dp subs, which is always negative. For any inferior good, however, - _(dQ/dI) is positive but not necessarily large enough to make dQ/ dp Total positive.Topic: Deriving Demand Curves5.2 How Changes in Income Shift Demand Curves1) A movement upward along an upward sloping Engel curve corresponds toA) upward sloping indifference curves.B) crossing indifference curves.C) a rotation in the budget constraint.D) a parallel shift in the budget constraint.Answer: DTopic: How Changes in Income Shift Demand Curves2) When deriving an Engel curve the prices of both goodsA) are held constant.B) increase by the same percentage as income.C) decrease by the same percentage as income.D) can either decrease, increase or stay the same.Answer: ATopic: How Changes in Income Shift Demand Curves3) The above figure shows Larry's indifference map and budget lines for ham and pork. Which of the following statements is TRUE?A) Pork is an inferior good.B) Ham is an inferior good.C) Neither pork nor ham is an inferior good.D) Both ham and pork are inferior goods.Answer: BTopic: How Changes in Income Shift Demand Curves4) The above figure shows Larry's indifference map and budget lines for ham and pork. Which of the following statements is TRUE?A) Larry's Engel curve for pork will be upward sloping.B) Larry's Engel curve for pork will be downward sloping.C) Larry's Engel curve for pork will be backward bending.D) Larry's Engel curve for pork cannot be derived from the information provided.Answer: ATopic: How Changes in Income Shift Demand Curves5) The above figure shows Larry's indifference map and budget lines for ham and pork. Which of the following statements is TRUE?A) Larry's demand curve for pork shifts rightward when his income increases.B) Larry's income elasticity of demand for pork is greater than zero.C) Pork is a normal good.D) All of the above.Answer: DTopic: How Changes in Income Shift Demand Curves6) After Joyce and Larry purchased their first house, they made additional home improvements in response to increases in income. After a while, their income rose so much that they could afford a larger home. Once they realized they would be moving, they reduced the amount of home improvements. Their Engel curve for home improvements on their current home isA) negatively sloped.B) flat.C) positively sloped.D) backward bending.Answer: DTopic: How Changes in Income Shift Demand Curves7) Suppose the quantity of x is measured on the horizontal axis. If the income consumption curve is vertical, then the income elasticity of demand for x isA) 0.B) 1.C) -1.D) There is not enough information to determine the income elasticity of demand for x.Answer: ATopic: How Changes in Income Shift Demand Curves8) An inferior good exhibitsA) a negative income elasticity.B) a downward sloping Engel curve.C) a decline in the quantity demanded as income rises.D) All of the above.Answer: DTopic: How Changes in Income Shift Demand Curves9) When John's income was low, he could not afford to dine out and would respond to a pay raise by purchasing more frozen dinners. Now that his income is high, a pay raise causes him to dine out more often and buy fewer frozen dinners. Which graph in the above figure best represents John's Engel curve for frozen dinners?A) Graph AB) Graph BC) Graph CD) Graph DAnswer: ATopic: How Changes in Income Shift Demand Curves10) When John's income was low, he could not afford to dine out and would respond to a pay raise by purchasing more frozen dinners. Now that his income is high, a pay raise causes him to dine out more often and buy fewer frozen dinners. Which graph in the above figure best represents John's Engel curve for dining out?A) Graph AB) Graph BC) Graph CD) Graph DAnswer: BTopic: How Changes in Income Shift Demand Curves11) Even though Mary's income is very low, she makes sure that she purchases enough milk for her family to drink. As her income rises, she does buy more milk. Which graph in the above figure best represents Mary's Engel curve for milk?A) Graph AB) Graph BC) Graph CD) Graph DAnswer: CTopic: How Changes in Income Shift Demand Curves12) When John was in college and his income was low, he drank "Red Ribbon" beer. As his income increased, he purchased better-quality beer and less "Red Ribbon." Which graph in the above figure best represents John's Engel curve for "Red Ribbon" beer?A) Graph AB) Graph BC) Graph CD) Graph DAnswer: DTopic: How Changes in Income Shift Demand Curves13) Which graph in the above figure best represents a good that is an inferior good at some income levels, and a normal good at other income levels?A) Graph AB) Graph BC) Graph CD) Graph DAnswer: ATopic: How Changes in Income Shift Demand Curves14) If consumer income and prices increase by the same percentageA) the consumer will buy more of both goods.B) the consumer will buy more of both goods if they are both normal goods.C) the consumer will buy less of both goods if they are both inferior goods.D) the consumer's utility maximizing bundle stays the same.Answer: DTopic: How Changes in Income Shift Demand CurvesFor the following, please answer "True" or "False" and explain why.15) An increase in income (all else equal) will ALWAYS lead to a parallel shift of the budget line. Answer: True. Since prices are unchanged the relative prices of the goods stays the same and thus the slope of the budget line.Topic: How Changes in Income Shift Demand Curves16) Explain what the slope of the income consumption curve shows about the income elasticity of demand. Answer: A positive slope of the income consumption curve is associated with a positive income elasticity of demand, and a negatively sloped income consumption curve is associated with a negative income elasticity of demand. The income consumption curve represents how consumption changes with an increase in income. An upward sloping income consumption curve represents an increase in consumption as income rises, as does a positive income elasticity.Topic: How Changes in Income Shift Demand Curves17) Why can't all goods be inferior?Answer: If all goods were inferior, an increase in income would lead to a decline in the quantity demanded for all goods. This, however, would leave the consumer below the budget line and therefore not achieving the highest utility possible.Topic: How Changes in Income Shift Demand Curves18) The above figure shows three different Engel curves. Rank them in terms of income elasticity. Answer: Engel curve A implies that a certain level of income is required before any of the good is purchased. Engel curve B implies that the quantity demanded is proportional to income (unit elastic). Engel curve C implies that the good is a necessity since it would be consumed even if income were zero. Thus _A > _B > _C.Topic: How Changes in Income Shift Demand Curves19) When income increases by 1%, the quantity demanded of a good decreases by 2%. What is the income elasticity of the good? Is the good normal or inferior? Why?Answer: The income elasticity is -2. The good is inferior because the income elasticity is negative.Topic: How Changes in Income Shift Demand Curves20) Why would you expect the demand for diamond jewelry to fall faster than plastic, costume jewelry when all incomes fall?Answer: The income elasticities differ for the two goods. Diamond jewelry most likely has a larger income elasticity than costume jewelry.Topic: How Changes in Income Shift Demand Curves21) Draw budget constraints, indifference curves, and the income consumption curve for a good that has an income elasticity that is perfectly inelastic.Answer:See the above figure.Topic: How Changes in Income Shift Demand Curves5.3 Effects of a Price Change1) Median household income is $50,000 per year. The typical household spends about $125 per year on milk, which has an income elasticity of about 0.07. From this information, we can conclude thatA) milk is a luxury.B) milk is a Giffen good.C) the income effect from a change in the price of milk is very large.D) the income effect from a change in the price of milk is very small.Answer: DTopic: Effects of a Price Change2) When the price of a good changes, the total effect of the price change on the quantities purchased can be found by comparing the quantities purchasedA) on the old budget line and the new budget line.B) on the original indifference curve when faced with the original prices and when faced with the new prices.C) on the new budget line and a hypothetical budget line that is a parallel shift back to the original indifference curve.D) on the new indifference curve.Answer: ATopic: Effects of a Price Change3) When the price of a good changes, the substitution effect can be found by comparing the equilibrium quantities purchasedA) on the old budget line and the new budget line.B) on the original indifference curve when faced with the original prices and when faced with the new prices.C) on the new budget line and a hypothetical budget line that is a shift back to the original indifference curve parallel to the new budget line.D) on the new indifference curve.Answer: BTopic: Effects of a Price Change4) When the price of a good changes, the income effect can be found by comparing the equilibrium quantities purchasedA) on the old budget line and the new budget line.B) on the original indifference curve when faced with the original prices and when faced with the new prices.C) on the new budget line and a hypothetical budget line that is a shift back to the original indifference curve parallel to the new budget line.D) on the new indifference curve.Answer: CTopic: Effects of a Price Change5) The substitution effect can be measured holding ________ constant.A) incomeB) utilityC) the price of one goodD) the price of all goodsAnswer: BTopic: Effects of a Price Change6) Suppose that frozen dinners were once a normal good for John, but now frozen dinners are an inferior good for him. John's demand curve for frozen dinnersA) has become steeper as a result.B) has become flatter as a result.C) has not changed as a result.D) has disappeared as a result.Answer: ATopic: Effects of a Price Change7) One characteristic of a Giffen good is that itA) is a luxury good.B) is an inferior good.C) has an upward-sloping Engel curve.D) All of the above.Answer: BTopic: Effects of a Price Change8) A Giffen good hasA) a positive substitution effect.B) a negative income effect.C) a larger income effect than substitution effect.D) All of the above.Answer: DTopic: Effects of a Price Change9) If a good is an inferior good, then itsA) demand curve will be upward sloping.B) income effect reinforces the substitution effect.C) income elasticity is negative.D) Engel curve cannot be drawn.Answer: CTopic: Effects of a Price Change10) Suppose Lisa spends all of her money on books and coffee. When the price of coffee decreases, theA) substitution effect on coffee is positive, and the income effect on coffee is positive.B) substitution effect on coffee is ambiguous, and the income effect on coffee is ambiguous.C) substitution effect on coffee is positive, and the income effect on coffee is ambiguous.D) substitution effect on coffee is ambiguous, and the income effect on coffee is positive.Answer: CTopic: Effects of a Price Change11) In the case of a normal goodA) demand curves always slope downward.B) the income effect and substitution effect are in the same direction.C) the Engel curve slopes upward.D) All of the above.Answer: DTopic: Effects of a Price Change12) The above figure shows Bobby's indifference map for soda and juice. B1 indicates his original budget line. B2 indicates his budget line resulting from a decrease in the price of soda. What change in quantity best represents his substitution effect?A) 3B) 10C) 15D) 7Answer: ATopic: Effects of a Price Change13) The above figure shows Bobby's indifference map for soda and juice. B1 indicates his original budget line. B2 indicates his budget line resulting from a decrease in the price of soda. What change in quantity best represents his income effect?A) 3B) 10C) 15D) 7Answer: DTopic: Effects of a Price Change14) The above figure shows Bobby's indifference map for soda and juice. B1 indicates his original budget line. B2 indicates his budget line resulting from an increase in the price of soda. From the graph, one can conclude thatA) Bobby views soda as an inferior good.B) Bobby's demand for soda is perfectly inelastic.C) Bobby views soda as a normal good.D) the income elasticity of demand for soda is 1.Answer: CTopic: Effects of a Price Change15) When measuring the substitution effect one uses the change alongA) the old indifference curve.B) the new indifference curve.C) either the old or the new indifference curve.D) the budget constraint.Answer: CTopic: Effects of a Price Change16) The Slutsky equation shows that, holding the total effect constant, the income effect will be larger for goods thatA) have a smaller substitution effect.B) make up a larger percentage of a household's budget.C) have perfectly inelastic demand curves.D) All of the above.Answer: BTopic: Effects of a Price Change17) Suppose that the interest rate paid to savers increases. As a result, Tom wishes to save less. This suggests that, for Tom,A) the substitution effect is greater than the income effect.B) the income effect is greater than the substitution effect.C) utility maximization is not occurring.D) future consumption is a luxury.Answer: BTopic: Effects of a Price Change18) Suppose that the interest rate paid to savers increases. As a result, Tom wishes to save more. This suggests that, for Tom,A) the substitution effect is greater than the income effect.B) the income effect is greater than the substitution effect.C) utility maximization is not occurring.D) future consumption is a luxury.Answer: ATopic: Effects of a Price ChangeFor the following, please answer "True" or "False" and explain why.19) If a consumer is compensated for the income effect that occurs when the price of a good increases, then his demand curves can never slope upward.Answer: True. The demand curve would only include the substitution effect. Even for Giffen goods, dq/dp is negative holding utility constant.Topic: Effects of a Price Change20) A good may be inferior at some income levels and normal at others.Answer: True. A consumer may demand more of the good at low income levels and less of the good at higher income levels. Hamburger or macaroni and cheese dinners may be examples of such goods.Topic: Effects of a Price Change21) If the Engel curve for a good is upward sloping, the demand curve for that good must be downward sloping.Answer: True. If the Engel curve is upward sloping, the good is normal. As a result, the income effect will reinforce the substitution effect and guarantee a downward-sloping demand curve.Topic: Effects of a Price Change22) Suppose Joe earns $1,000 in year 1 and $0 in year 2. Any amount he saves will earn interest at a rate of 10%. Draw Joe's budget line. (Hint: He can either consume all $1000 this year or consume nothing this year and have $1,100 next year.) Assuming convex indifference curves, show that an increase in the rate of interest can cause Joe's savings to either increase or decrease. Explain in terms of income and substitution effect.Answer:See the above figure. On the graph, his original bundle is e1 so that his savings equal 1000 - C1*. A higher interest rate rotates the budget line so that, depending on the shape of his indifference map, he may choose either e2, which means savings increase, or e3, which means savings decrease. One plus the interest rate represents the price of current consumption. A higher interest rate has two effects. The substitution effect means that Joe will save more because current consumption has become more expensive. The income effect says Joe will save less because, with the higher interest rate, lower savings could actually generate more future consumption.Topic: Effects of a Price Change23) Many manufacturers sell products labeled as having imperfections at a discount at their factory outlets but do not ship these imperfect goods to regular retail outlets. Why?Answer: There is some substitutability between the goods, but imperfects sell for a lower price. Suppose, for example, the good sells for $2, but imperfects sell for $1. Both goods cost the same to ship, say $1. As a result, the relative price of an imperfect at a factory outlet is (1/2) but rises to (2/3) at the retail outlet, where imperfects will not sell because of the higher relative price.Topic: Effects of a Price Change5.4 Cost-of-Living Adjustments1) Due to inflation, nominal prices are usuallyA) equal to real prices.B) smaller than real prices.C) larger than real prices.D) a constant proportion different from real prices.Answer: CTopic: Cost-of-Living Adjustments2) A consumer price index adjustment overcompensates for inflation because it ignoresA) the income effect when relative prices change.B) the substitution effect when relative prices change.C) that some goods are inferior.D) that the substitution effect may offset the income effect.Answer: BTopic: Cost-of-Living Adjustments3) Employing a fixed-weight index like the Consumer Price Index to adjust a person's salary in response to inflation will overcompensate this person because doing so will allow this person toA) buy the same bundle of goods as he did before the inflation.B) achieve a higher level of utility than he did before the inflation.C) achieve the same level of utility as before the inflation.D) buy more of all goods.Answer: BTopic: Cost-of-Living Adjustments4) Under which of the following conditions will there be no substitution bias in the CPI?A) Indifference curves are convex.B) Indifference curves are L-shaped.C) Indifference curves are linear.D) Indifference curves are downward sloping.Answer: BTopic: Cost-of-Living Adjustments5) Under which of the following conditions will there be no substitution bias in the CPI?A) Lower-priced goods increase in price by a greater percentage than do higher-priced goods.B) Higher-price goods increase in price by a greater percentage than do lower-priced goods.C) All goods change in price by the same amount.D) All goods change in price by the same percentage.Answer: DTopic: Cost-of-Living Adjustments6) A true cost-of-living adjustment in response to a change in prices would compensate consumers so that they would be able toA) purchase the same bundle they purchased before prices changed.B) achieve the same level of utility they did before prices changed.C) face the same choices they did before prices changed.D) achieve an increase in utility that is equal to the rate of inflation.Answer: BTopic: Cost-of-Living Adjustments7) Richard receives government transfer payments and currently consumes 5 guns and 6 goose livers. Assume the price of guns decreases by 10% and the price of goose liver increases by 20%. The government raises Richard's transfer payments so he can still afford 5 guns and 6 goose livers. Does this constitute a true cost-of-living adjustment?A) No. Richard is overcompensated.B) No. Richard is undercompensated.C) Yes. The payment just achieves the right level of compensation.D) Not enough information.Answer: ATopic: Cost-of-Living Adjustments8) Before an uneven rise in prices Allan consumed 5 bread and 6 juice. After the price increase and with an increased welfare payment from the government Allan consumes 4 bread and 7 juice. Does the government payment represent a true cost-of-living adjustment?A) Yes, if the two consumption bundles lie on the same indifference curve.B) Yes, if the second bundle yields more utility than the first.C) No, the first bundle is clearly preferred.D) Not enough information.Answer: ATopic: Cost-of-Living AdjustmentsFor the following, please answer "True" or "False" and explain why.9) Inflation over time necessarily makes consumers worse off.Answer: False. Wages also increase over time. Workers may earn the price of some goods in less time than in the past.Topic: Cost-of-Living Adjustments10) Using the CPI to compensate workers for inflation is appropriate because, in the face of a change in relative prices, people should be allowed to purchase the same bundle as they did before the price changes. Answer: False. This assumes that people would still prefer the original bundle. Because they are facing a new set of relative prices, compensating people so that they could purchase the original bundle will allow them to be able to achieve a higher level of utility than they did before the price changes.Topic: Cost-of-Living Adjustments11) Suppose the typical consumer only purchases food and clothing, and her utility can be expressed as U =F * C. Currently, food costs $5 per unit and clothing costs $2 per unit. Her income is $70. If the price of food increases to $6, compare the resulting Laspyre's price index with a true cost of living index.Answer: Maximizing utility subject to the initial constraint (5F + 2C = 70) yields C/F = 5/2 or F = 7 and C = 17.5. The Laspyre's price index calculates the ratio of the income necessary to achieve the original bundle relative to the original income. In this case [(6 * 7) + (2 * 17.5)]/70 = 1.10. The true cost of living index calculates the ratio of the income necessary to achieve the original level of utility relative to the original income. Utility is held constant when C * F = 17.5 * 7 = 122.5. The consumer is on the new budget line when C/F = 3. Combining yields F = 6.39 and C = 19.17. At the new prices, this requires an income of 76.68 and a resulting cost of living index of 76.68/70 = 1.095.Topic: Cost-of-Living Adjustments。
PrinciplesofCorporateFinance英文第十版习题解答Chap005
PrinciplesofCorporateFinance英⽂第⼗版习题解答Chap005CHAPTER 5Net Present Value and Other Investment CriteriaAnswers to Problem Sets1. a. A = 3 years, B = 2 years, C = 3 yearsb. Bc. A, B, and Cd. B and C (NPV B = $3,378; NPV C = $2,405)e. Truef. It will accept no negative-NPV projects but will turn down some withpositive NPVs. A project can have positive NPV if all future cash flows areconsidered but still do not meet the stated cutoff period.2. Given the cash flows C0, C1, . . . , C T, IRR is defined by:It is calculated by trial and error, by financial calculators, or by spreadsheetprograms.3. a. $15,750; $4,250; $0b. 100%.4. No (you are effectively “borrowing” at a rate of interest highe r than theopportunity cost of capital).5. a. Twob. -50% and +50%c. Yes, NPV = +14.6.6. The incremental flows from investing in Alpha rather than Beta are -200,000;+110,000; and 121,000. The IRR on the incremental cash flow is 10% (i.e., -200 + 110/1.10 + 121/1.102 = 0). The IRR on Beta exceeds the cost of capital and so does the IRR on the incremental investment in Alpha. Choose Alpha.7. 1, 2, 4, and 68. a. $90.91.10)(1$10001000NP V A -=+-=$$4,044.7310)(1.$1000(1.10)$1000(1.10)$4000(1.10)$1000(1.10)$10002000NP V 5432B +=+++++-=$$39.4710)(1.$1000.10)(1$1000(1.10)$1000(1.10)$10003000NP V 542C +=++++-=$ b.Payback A = 1 year Payback B = 2 years Payback C = 4 years c. A and Bd.$909.09.10)(1$1000P V 1A ==The present value of the cash inflows for Project A never recovers the initial outlay for the project, which is always the case for a negative NPV project. The present values of the cash inflows for Project B are shown in the third row of the table below, and the cumulative net present values are shown in the fourth row:C 0 C 1C 2C 3C 4C 5-2,000.00 +1,000.00 +1,000.00 +4,000.00 +1,000.00 +1,000.00-2,000.00909.09 826.45 3,005.26 683.01 620.92-1,090.91 -264.46 2,740.803,423.81 4,044.73Since the cumulative NPV turns positive between year two and year three,the discounted payback period is:years 2.093,005.26264.462=+The present values of the cash inflows for Project C are shown in the third row of the table below, and the cumulative net present values are shown in the fourth row:C 0C 1C 2C 3 C 4C 5-3,000.00 +1,000.00 +1,000.00 0.00 +1,000.00 +1,000.00-3,000.00 909.09 826.450.00 683.01 620.92 -2,090.91 -1,264.46-1,264.46-581.45 39.47Since the cumulative NPV turns positive between year four and year five,the discounted payback period is:years 4.94620.92581.454=+e. Using the discounted payback period rule with a cutoff of three years, the firm would accept only Project B.9. a.When using the IRR rule, the firm must still compare the IRR with the opportunity cost of capital. Thus, even with the IRR method, one must specify the appropriate discount rate.b.Risky cash flows should be discounted at a higher rate than the rate used to discount less risky cash flows. Using the payback rule is equivalent to using the NPV rule with a zero discount rate for cash flows before the payback period and an infinite discount rate for cash flows thereafter. 10.The two IRRs for this project are (approximately): –17.44% and 45.27% Between these two discount rates, the NPV is positive. 11.a.The figure on the next page was drawn from the following points: Discount Rate0% 10% 20%NPV A +20.00 +4.13 -8.33 NPV B +40.00 +5.18 -18.98b.From the graph, we can estimate the IRR of each project from the point where its line crosses the horizontal axis:IRR A = 13.1% and IRR B = 11.9%c. The company should accept Project A if its NPV is positive and higherthan that of Project B; that is, the company should accept Project A if thediscount rate is greater than 10.7% (the intersection of NPV A and NPV B on the graph below) and less than 13.1%.d. The cash flows for (B – A) are:C0 = $ 0C1 = –$60C2 = –$60C3 = +$140Therefore:Discount Rate0% 10% 20%NPV B-A +20.00 +1.05 -10.65IRR B-A = 10.7%The company should accept Project A if the discount rate is greater than10.7% and less than 13.1%. As shown in the graph, for these discountrates, the IRR for the incremental investment is less than the opportunitycost of capital.12. a.Because Project A requires a larger capital outlay, it is possible that Project A has both a lower IRR and a higher NPV than Project B. (In fact, NPV A is greater than NPV B for all discount rates less than 10 percent.) Because the goal is to maximize shareholder wealth, NPV is the correct criterion.b.To use the IRR criterion for mutually exclusive projects, calculate the IRR for the incremental cash flows:C 0C 1C 2IRRA -B -200 +110 +121 10%Because the IRR for the incremental cash flows exceeds the cost of capital, the additional investment in A is worthwhile. c.81.86$(1.09)$3001.09$250400NPV 2A =++-=$ $79.10(1.09)$1791.09$140200NPV 2B =++-=$ 13.Use incremental analysis:C 1C 2 C 3Current arrangement -250,000 -250,000 +650,000 Extra shift -550,000 +650,000 0 Incremental flows -300,000+900,000 -650,000The IRRs for the incremental flows are (approximately): 21.13% and 78.87% If the cost of capital is between these rates, Titanic should work the extra shift.14. a..82010,0008,18210,000)( 1.1020,00010,000PI D ==--+-=.59020,00011,81820,000)( 1.1035,00020,000PI E ==--+-=b.Each project has a Profitability Index greater than zero, and so both areacceptable projects. In order to choose between these projects, we must use incremental analysis. For the incremental cash flows:0.3610,0003,63610,000)( 1.1015,00010,000PI D E ==--+-=-The increment is thus an acceptable project, and so the larger project should be accepted, i.e., accept Project E. (Note that, in this case, the better project has the lower profitability index.)15.Using the fact that Profitability Index = (Net Present Value/Investment), we find:Project Profitability Index 1 0.22 2 -0.02 3 0.17 4 0.14 5 0.07 6 0.18 70.12Thus, given the budget of $1 million, the best the company can do is to acceptProjects 1, 3, 4, and 6.If the company accepted all positive NPV projects, the market value (compared to the market value under the budget limitation) would increase by the NPV of Project 5 plus the NPV of Project 7: $7,000 + $48,000 = $55,000Thus, the budget limit costs the company $55,000 in terms of its market value. 16.The IRR is the discount rate which, when applied to a project’s cash flows, yields NPV = 0. Thus, it does not represent an opportunity cost. However, if eachproject’s cash flows could be invested at that project’s IRR, then the NPV of each project would be zero because the IRR would then be the opportunity cost of capital for each project. The discount rate used in an NPV calculation is the opportunity cost of capital. Therefore, it is true that the NPV rule does assume that cash flows are reinvested at the opportunity cost of capital.17.a.C 0 = –3,000 C 0 = –3,000 C 1 = +3,500 C 1 = +3,500 C 2 = +4,000 C 2 + PV(C 3) = +4,000 – 3,571.43 = 428.57 C 3 = –4,000 MIRR = 27.84%b.2321 1.12C 1.12xC xC -=+(1.122)(xC 1) + (1.12)(xC 2) = –C 3 (x)[(1.122)(C 1) + (1.12C 2)] = –C 3)()21231.12C )(C (1.12C -x +=0.4501.12)(4,00)(3,500(1.124,000x 2=+=)()0IRR)(1x)C -(1IRR)(1x)C -(1C 2210=++++0IRR)(10)0.45)(4,00-(1IRR)(10)0.45)(3,50-(13,0002=++++- Now, find MIRR using either trial and error or the IRR function (on afinancial calculator or Excel). We find that MIRR = 23.53%.It is not clear that either of these modified IRRs is at all meaningful.Rather, these calculations seem to highlight the fact that MIRR really has no economic meaning.18.Maximize: NPV = 6,700x W + 9,000x X + 0X Y – 1,500x Z subject to:10,000x W + 0x X + 10,000x Y + 15,000x Z ≤ 20,000 10,000x W + 20,000x X – 5,000x Y – 5,000x Z ≤ 20,000 0x W - 5,000x X– 5,000x Y – 4,000x Z ≤ 20,000 0 ≤ x W ≤ 1 0 ≤ x X ≤ 1 0 ≤ x Z ≤ 1Using Excel Spreadsheet Add-in Linear Programming Module:Optimized NPV = $13,450with x W = 1; x X = 0.75; x Y = 1 and x Z = 0If financing available at t = 0 is $21,000:Optimized NPV = $13,500with x W = 1; x X = (23/30); x Y = 1 and x Z = (2/30)Here, the shadow price for the constraint at t = 0 is $50, the increase in NPV for a $1,000 increase in financing available at t = 0.In this case, the program viewed x Z as a viable choice even though the NPV of Project Z is negative. The reason for this result is that Project Z provides a positive cash flow in periods 1 and 2.If the financing available at t = 1 is $21,000:Optimized NPV = $13,900with x W = 1; x X = 0.8; x Y = 1 and x Z = 0Hence, the shadow price of an additional $1,000 in t =1 financing is $450.。
运筹学习题解答(chap5 目标规划)
第五章 目标规划一、建立下列问题的数学模型1、P164, 5.8 某种牌号的酒由三种等级的酒兑制而成。
已知各种等级的酒每天供应量和单位成本如下：等级I ：供应量1500单位/天，成本6元/单位；等级Ⅱ：供应量2000单位/天，成本4.5元/单位； 等级Ⅲ：供应量1000单位/天，成本3元/单位。
该种牌号的酒有三种商标（红、黄、蓝）各种商标酒的混合比及售价如表所示。
确定经营目标：P1：兑制要求配比必须严格满足；P2：企业获取尽可能多的利润； P3：红色商标酒产量每天不低于2000单位。
试对此问题建立相应的目标规划模型。
解：设红黄蓝分别为1、2、3号酒，ij x 表示i 号酒中j 原料的用量。
则依题意建立如下模型：-+-+-=33222)(min d P d d P Z.3,2,3,2,1,,0,,020000)(3)(5.4)(6)(8.4)(0.5)(5.5100020001500)%(10)%(50)%(20)%(70)%(50)%(103313121122332313322212312111333231232221131211332313322212312111333231313332313323222121232221231312111113121113==≥≥=+-++=+-++-++-++-++++++++≤++≤++≤++++≥++≤++≥++≤++≥++≤-+-+-+k j i d d x d d x x x d d x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x k k ij2、P164, 5.9 某公司从三个产地1A ，2A ，3A 将产品运往四个销地1B ，2B ，3B ，4B .各产地的产量，各销地的销量，及各产地往各销地的运费单价如表所示。
基础化学第二版课后习题答案
基础化学第二版课后习题答案【篇一：基础化学第二版习题答案chap5】1．何谓沉淀溶解平衡？同物质的量的bacl2和h2so4混合溶液中，含有哪些离子？这些离子浓度之间存在着哪些关系？答：难溶电解质溶解和沉淀速度相等，固体的量和溶液中分子或离子的量不再改变的状态，称为沉淀溶解平衡。
ba2+、cl-、so4、h+、oh-2?2．活度积、溶度积、离子积之间有何区别与联系？答：活度积、溶度积指平衡状态下的活度积或浓度积，对给定的难溶电解质其活度积只与温度有关，溶度积不但与温度有关，还和溶液离子强度有关，对于ma型难溶电解质：?ksp(ma)。
离子积指任意状态下的浓度积，其值是任意的。
?(m?)??(a?)3．无副反应时，沉淀的溶度积与溶解度有何关系？溶度积小的物质，它的溶解度是否一定小？举例说明。
答：s?mmnn不同类型难溶电解质的溶解度不能根据溶度积数值大小直接判断。
溶度积小的物质，它的溶解度是不一定小，如ag2cro4与agcl。
4．除了沉淀物质本性以外，影响沉淀溶解度的主要因素有哪些？答：除了沉淀物质本性以外，影响沉淀溶解度的主要因素还有：同离子效应、盐效应、酸碱效应、配位效应等。
5．判断下列操作中可能发生的反应和现象并予以解释。
（1）将少量caco3固体放入稀hcl中。
（2）将少量mg(oh)2放入nh4cl溶液中。
答：（1）caco3固体溶解，有无色无味气体产生。
caco3(s)ca2+ ＋ co32-＋2h+h 2co 3→co2 +h 2o（2）mg（oh）2固体溶解，有无色刺激性气体产生。
的氨水，有肉色沉淀生成。
原因是饱和h2s水溶液提供的s2-很少，此时mg(oh)2(s)mg2+ ＋ 2oh-＋2nh4+（4）黑色固体变成白色固体。
so42- +h2o（5）白色沉淀变成黄色沉淀。
agcl（白）+ i-（6）浅兰色沉淀消失，生成深兰色溶液。
cu（oh）2 + 4nh3pb2++so42-→pbso4↓（白）agi（黄）+cl-[cu（nh3）4]（oh）2答：（1）（2）减小（同离子效应）；（3）增大（盐效应）；（4）增大（配位效应）。
chap5
实际上,逻辑运算符两侧的运算对象不但可以是0 和1,或者是0和非0的整数,也可以是任何类型的数 据.可以是字符型,实型或指针型等.系统最终以0 系统最终以0 系统最终以 和非0来判定它们属于" 和非0来判定它们属于"真"或"假".例如 'c'&&'d' 的值为1(因为'c'和'd'的Ascii值都不为0,按 "真"处理). 在逻辑表达式的求解中,并不是所有的逻辑运 算符都被执行,只是在必须执行下一个逻辑运算符才 能求出表达式的解时,才执行该运算符(逻辑短路 逻辑短路). 逻辑短路 例如: 1.a && b && c 只有a为真(非0)时,才 需要判别b的值,只有a和b都为真的情况下才需要判 别c的值.只要a为假,就不必判别b和c,(此时整个表 达式已确定为假).如果a为真,b为假,不判别c.
5.1.1 关系运算符及其优先次序 C语言提供6种关系运算符: (1) < (小于) (2) <= (小于或等于) (3) > (大于) (4) >= (大于或等于)〕 (5) == (等于) (6) != (不等于) 关于优先次序: 1.前4种关系运算符(<,<=,>,>=)的 优先级别相同,后两种也相同.前4种高于后2种. 例如,">"优先于"==".而">"与"<"优先 级相同.
通过这几个例子可以看出,由系统给出的逻辑运算结果不是 0就是1,不可能是其它数值.而在逻辑表达式中作为参加逻辑 运算的运算对象(操作数)可以是0("假")或任何非0的数 值(按"真"对待).如果在一个表达式中不同位置上出现数 如果在一个表达式中不同位置上出现数 应区分哪些是作为数值运算或关系运算的对象, 值,应区分哪些是作为数值运算或关系运算的对象,哪些作为 逻辑运算的对象,例如 逻辑运算的对象 5>3&&2||8<4-!0 表达式自左至右扫描求解.首先处理"5>3"(因为关系运 算符优先于&&).在关系运算符两侧的5和3作为数值参加关系 运算,"5>3"的值为:1.再进行"1&&2"的运算,此时1和2 均是逻辑运算对象,均作"真"处理,因此结果为1.再往下 进行"1||8<4-!0"的运算.根据优先次序,先进行"!0"运算 得1,因此,要运算的表达式变成:"1||8<4-1",即 "1||8<3",关系运算符"<"两侧的8和3作为数值参加比较, "8<3"的值为0("假").最后得到"1||0"的结果1.
商业银行管理彼得S.罗斯英文原书第8版 英语试题库Chap005
Chapter 5The Financial Statements of Banks and Their Principal CompetitorsFill in the Blank Questions1.Fed funds purchased is an example of _______________________ along with Eurodollarborrowings.Answer: nondeposit borrowings2.The short term securities of the bank, including T-Bills and commercial paper, are often called__________________________ because they are the second line of defense to meet demands for cash.Answer: secondary reserves3.__________________________ is a noncash expense on the bank's income statement whichallows the bank to account for future bad loans.Answer: Provision for loan losses4.__________________________ is the difference between interest income and interest expensesfor a financial institution.Answer: Net interest income5.__________________________ are the primary long term liabilities of the bank. Theseliabilities are paid only after deposits have been paid in the event of bankruptcy.Answer: Subordinated notes and debentures6.A(n)__________________________ is where the financial institution agrees to guaranteerepayment of a customer's loan received from a third party.Answer: standby credit agreement7.A(n)__________________________ is a short term collateralized loan. The collateral that isused generally consists of T-Bills.Answer: repurchase agreement8.A(n)__________________________ is a deposit account which pays an interest rate competitivewith money market mutual funds and which generally has limited check writing ability.Answer: money market deposit account9._____________________ is the sum of all outstanding IOU's owed to the bank in the form ofconsumer, real estate, commercial and agriculture loans as well as other types of creditextensions.Answer: gross loans10. A financial institution often records the value of its assets and liabilities at _______________which is the original or historical cost of the asset.Answer: book value11.The principal types of__________________________ include fee income, income from fiduciaryactivities and services charges on deposits.Answer: noninterest income12.The__________________________ shows the amount of revenues received and expensesincurred over a specific time period.Answer: Report of Income (income statement)13.The__________________________ lists the assets, liabilities and equity capital held by the bankon a given date.Answer: Report of Condition (balance sheet)14.______________ is labeled "Accounting for Derivative Instruments and Hedging Activities."Answer: FASB 13315.________________ labeled “Accounting for Derivative Instruments and Hedging Activities” andits recent amendments, FASB 138, are designed to make derivatives more publicly visible on corporate financial statements.Answer: FASB 13316.Under _____________ banks must account for the expected loss of interest income onnonperforming loans when calculating their loan-loss provision.Answer: FASB 11417.Temporarily buying and selling securities by a securities firm in a thinly traded market so as toinfluence the price is known as _________________.Answer: painting the tape18.The activity of manipulating the financial statements to artificially enhance the banks financialstrength is known as ___________________.Answer: window dressing or ‘creative accounting’19. is direct and indirect investment in real estate. These areproperties obtained for compensations for nonperforming loans.Answer: Other Real Estate Owned (OREO)20. consists of interest income received on loans from customers thathas not yet been earned by the bank under accrual accounting methods.Answer: Unearned discount income21. can be held by individuals and nonprofit institutions, bear interest andpermit drafts from being written against the account to pay third parties.Answer: Now accounts22.In the worldwide banking system, represent transferable time depositsin a variety of currencies and are often the principal source of short term borrows by banks.Answer: Eurocurrency Borrowings23.One part of arises from fees charged for ATM and POS transactions.Answer: Other Noninterest Income24.Fees that arise from a financial firm’s trust activities, fees for managing a corporations’ interestand dividend payments and fees for managing corporate or individual retirement plans are allincluded in the category of fees arising from .Answer: fiduciary activities25.Checking account maintenance fees and overdraft fees are included in the noninterest incomeaccount under .Answer: service charges on deposit accountsTrue/False QuestionsT F26.On a bank's income statement (Report of Income) deposit costs are financial inputs.Answer: TrueT F27.Loans and leases are financial outputs on a financial institution's balance sheet or Report of Condition.Answer: TrueT F28.Nondeposit borrowings are a financial input on a bank's balance sheet or Report of Condition.Answer: TrueT F29.The cost of nondeposit borrowings is a financial input on a bank's income statement or Report of Income.Answer: TrueT F30.Securities income is a financial output listed on a financial institution's Report of Condition.Answer: FalseT loans on a bank's balance sheet are derived by deducting the allowance for loan losses and unearned discounts from gross loans.Answer: TrueT F32.When a loan is classified as nonperforming any accrued interest recorded on the bank's books, but not actually received, must be deducted from a bank's loan revenues.Answer: TrueT F33.In U.S. banking, securities gains are treated as ordinary income.Answer: TrueT F34.Most banks report securities gains as a component of their total noninterest income.Answer: FalseT F35. A bank displaying trading account securities on its balance sheet is serving as a security dealer and plans to sell those securities before they reach maturity.Answer: TrueT F36.Bad loans normally do not affect a bank's current income.Answer: TrueT F37.The expensing of a worthless loan usually must occur in the year that loan become worthless.Answer: TrueT F38.Recoveries on loans previously charged off are added to the Provision for Loan Losses (PLL) account on a bank's income statement.Answer: FalseT F39.Loan-loss reserves set aside to cover a particular loan or loans expected to be a problem or present the bank with above-average risk are known as specific reserves.Answer: TrueT F40.U.S. banks (especially those with $500 million or more in total assets) are required to file financial statements audited by an independent public accountant with their principalfederal regulatory agency.Answer: TrueT F41.Off-balance-sheet items for a bank are fee generating transactions which are not recorded on their balance sheet.Answer: TrueT F42.The experience method of accounting for future loan loss reserves allows a bank to deduct from their income statement up to .6 percent of their eligible loans.Answer: FalseT F43.After the Tax Reform Act of 1986, large banks (>$500 million in assets) were required to use the reserve method of accounting for future loan loss reserves.Answer: FalseT F44.The number one source of revenue for a bank based on dollar volume is loan income.Answer: TrueT F45.In looking at comparative balance sheets, it can be seen that large banks rely more heavily on nondeposit borrowings while small banks rely more heavily on deposits.Answer: TrueT F46.The Pension Fund industry is now larger than the Mutual Fund industry.Answer: FalseT F47.Off-balance-sheet items for banks have declined in recent years.Answer: FalseT F48.Except for banks, Savings & Loans and Savings Banks hold the most deposits.Answer: TrueT F49."Painting the tape" refers to the practice whereby banks understate their nonperforming loans.Answer: FalseT F50.Financial statements issued by banks and nonblank financial service firms are looking increasingly similar today.Answer: TrueMultiple Choice Questions51.Bank assets fall into each of the following categories except:A)Loans.B)Investment securities.C)Demand deposits.D)Noninterest cash and due from banks.E)Other assets.Answer: C52.Banks generate their largest portion of income from:A)Loans.B)Short-term investment.C)Demand deposits.D)Long-term investments.E)Certificates of deposit.Answer: A53.Loans typically fall into each of the following categories except:A)Real estate.B)Consumer.C)Commercial and Industrial (business).D)Agricultural.E)Municipal.Answer: E54.Which of the following adjustments are made to gross loans and leases to obtain net loans andleases?A)The loan and lease loss allowance is subtracted from gross loansB)Unearned income is subtracted from gross interest receivedC)Investment income is added to gross interest receivedD) A and B.E) A. and C.Answer: D55.An example of a contra-asset account is:A)The loan and lease loss allowance.B)Unearned income.C)Buildings and equipment.D)Revenue bonds.E)The provision for loan loss.Answer: A56.The noncash expense item on a bank's Report of Income designed to shelter a bank's currentearnings from taxes and to help prepare for bad loans is called:A)Short-term debt interestB)Noninterest expenseC)Provision for taxesD)Provision for possible loan lossesE)None of the above.Answer: D57.A financial institution's bad-debt reserve, as reported on its balance sheet, is called:A)Unearned income or discountB)Allowance for possible loan lossesC)Intangible assetsD)Customer liability on acceptancesE)None of the aboveAnswer: B58.When a bank serves as a security dealer for certain kinds of securities (mainly federal, state, andlocal government obligations) the value of these securities is usually recorded in what account ona bank's Report of Condition?A)Investment SecuritiesB)Taxable and Tax-Exempt SecuritiesC)Trading Account SecuritiesD)Secondary ReservesE)None of the aboveAnswer: C59.The difference between noninterest income and noninterest expenses on a bank's Report ofIncome is called:A)Net Profit MarginB)Net Interest IncomeC)Net Income After Provision for Possible Loan LossesD)Income or Loss Before Income TaxesE)Net Noninterest IncomeAnswer: E60.The account that is built up by annual noncash expense deductions and is subtracted from GrossLoans on the Report of Condition is:A)Unearned incomeB)Nonperforming loansC)Allocated loan risk deductionsD)Allowance for possible loan lossesE)None of the above.Answer: D61.Nonperforming loans are credits on which any scheduled loan repayments and interest paymentsare past due for more than:A)30 daysB)60 daysC)90 daysD)180 daysE)None of the above.Answer: C62.One-time only transactions that often involve financial assets or real property pledged ascollateral behind a loan and upon which the bank has foreclosed affect a bank's account known as:A)Allowance for loan lossesB)Nonrecurring sales of assetsC)Asset gains or lossesD)Provision for loan and security lossesE)None of the above.Answer: B63.The use of fixed assets, rather than financial assets, in order to increase earnings flowing to abank's stockholders is known as:A)Plant and equipment investmentB)Financial leverageC)Operating leverageD)Nondeposit capitalE)None of the above.Answer: C64.Banks depend heavily upon borrowed funds supplied by customers with little owners' capitalinvested. This means that banks make heavy use of:A)Financial leverageB)Capital restructuringC)Operating LeverageD)Margin borrowingE)None of the above.Answer: A65.When a loan is considered uncollectible, the bank's accounting department will write (charge) itoff the books by reducing the ______ and the accounts. Which choice belowcorrectly fills in the blank in the preceding sentence?A)PLL and Gross LoansB)ALL and Net LoansC)ALL and Gross LoansD)PLL and Net LoansE)None of the above.Answer: C66.The common banking practice of selling those investment securities that have appreciated inorder to reap a capital gain and holding onto those securities whose prices have declined is known as:A)Gains tradingB)Performance bankingC)Loss control tradingD)Selective portfolio managementE)None of the above.Answer: A67.Noninterest revenue sources for a bank are called:A)Commitment fees on loansB)Fee incomeC)Supplemental incomeD)Noninterest marginE)None of the above.Answer: Brge U.S. banks must use which of the methods listed below to determine their provision forloan loss expense?A)Experience methodB)Reserve methodC)Specific charge-off methodD)Historical cost methodE)None of the above.Answer: C69.A bank's temporary lending of excess reserves to other banks is labeled on the balance sheet as:A)Fed Funds PurchasedB)Fed Funds SoldC)Money Market DepositsD)Securities Purchased for ResaleE)None of the aboveAnswer: B70.A bank sells shares of its common stock with a par value of $100 for $200 in the market. Whichtwo accounts on the bank's balance sheet are going to be affected?A)Retained earnings and capital surplus accountsB)Subordinated notes and debentures and commons stock outstanding accountsC)Retained earnings and common stock outstanding accountsD)Common stock outstanding and capital surplus accountsE)Only the common stock outstanding account is affectedAnswer: D71.A type of letter of credit which is widely used in international trade is known as:A)Banker's acceptanceB)Commercial paperC)Repurchase agreementD)Fed funds purchasedE)None of the aboveAnswer: A72.A bank which starts with ALL of $1.48 million at the beginning of the year, charges off worthlessloans of $.94 million during the year, recovers $.12 million on loans previously charged off and charges current income for a $1.02 million provision for loan losses will have an ALL at the end of the year of:A)$.66 millionB)$3.32 millionC)$1.68 millionD)$1.28 millionE)The same amount as at the beginning of the yearAnswer: C73.A bank that has total interest income of $67 million and total noninterest income of $14 million.This bank has total interest expenses of $35 million and total noninterest expenses (excluding PLL) of $28 million. Its provision for loan losses is $6 million and its taxes are $5. What is this bank's net interest income?A)$7B)-$14C)$18D)$32E)None of the aboveAnswer: D74.A bank that has total interest income of $67 million and total noninterest income of $14 million.This bank has total interest expenses of $35 million and total noninterest expenses (excluding PLL) of $28 million. Its provision for loan losses is $6 million and its taxes are $5. What is this bank's net noninterest income?A)$7B)-$14C)$18D)$32E)None of the aboveAnswer: B75.A bank that has total interest income of $67 million and total noninterest income of $14 million.This bank has total interest expenses of $35 million and total noninterest expenses (excluding PLL) of $28 million. Its provision for loan losses is $6 million and its taxes are $5. What is this bank's net income?A)$7C)$18D)$32E)None of the aboveAnswer: A76.Which of the following financial statements shows the revenues and expense of a bank over a setperiod of time?A)The statement of stockholders equityB)The funds-flow statementC)The report of financial conditionD)The report of incomeE)None of the aboveAnswer: D77.Which of the following accounts is sometimes called the bank's primary reserves?A)Cash and deposits due from bankB)Investment securitiesC)Trading account securitiesD)Fed funds soldE)None of the aboveAnswer: A78.Which of the following assets is the largest asset item on the bank's balance sheet?A)SecuritiesB)CashC)LoansD)Bank PremisesE)None of the aboveAnswer: C79.What financial service industry category is second to the banking industry in total assets held:A)Mutual fundsB)ThriftsC)Investment banksD)Insurance companiesE)Pension fundsAnswer: A80.FASB Rule 115 focuses primarily on bank:A)Deposit sourcesB)Investments in marketable securitiesC)Derivatives tradingD)Loan-loss reservesE)Federal funds81.Which of the following most accurately describes the principal type(s) of bank noninterestincome:A)Fees from fiduciary transactionsB)Fees from deposit transactionsC)Fees from securities transactionsD)Fees from additional noninterest incomeE)All of the aboveAnswer: E82.Fee income arising from fiduciary transactions include all of the following except:A)Checking account maintenance feesB)Fees for managing and protecting a customer’s propertyC)Fees for recordkeeping for corporate securityD)Fees for dispersing interest and dividend payments for a corporationE)Fees for managing corporate and individual retirement plansAnswer: A83.You know the following information about the Miller State Bank:Gross Loans$300Miscellaneous Assets$50Deposits$390Total Equity$50Common Stock Par$5Non-Deposit Borrowings$60Investment Securities$150Net Premises$40Surplus$5Allowance for Loan Losses$50Deposits$390Total Assets$500Gross Premises $70Given this information, what is this firm’s Net Loans?A) $250B) $350C) $500D) $50E) $150Answer: A84.You know the following information about the Miller State BankGross Loans$300Miscellaneous Assets$50Deposits$390Total Equity$50Common Stock Par$5Non-Deposit Borrowings$60Investment Securities$150Net Premises$40Surplus$5Allowance for Loan Losses$50Deposits$390Total Assets$500Gross Premises $70Given this information, what is this firm’s Depreciation?A) $250B) $30C) $70D) $40E) $110Answer: B85.You know the following information about the Miller State BankGross Loans$300Miscellaneous Assets$50Deposits$390Total Equity$50Common Stock Par$5Non-Deposit Borrowings$60Investment Securities$150Net Premises$40Surplus$5Allowance for Loan Losses$50Deposits$390Total Assets$500Gross Premises $70Given this information, what is this firm’s Total Liabilities?A) $390B) $60C) $450D) $500E) $50Answer: C86.You know the following information about the Miller State BankGross Loans$300Miscellaneous Assets$50Deposits$390Total Equity$50Common Stock Par$5Non-Deposit Borrowings$60Investment Securities$150Net Premises$40Surplus$5Allowance for Loan Losses$50Deposits$390Total Assets$500Gross Premises $70Given this information, what is this firm’s Undivided Profits?A) $50B) $5C) $10D) $40E) $450Answer: D87.You know the following information about the Miller State BankGross Loans$300Miscellaneous Assets$50Deposits$390Total Equity$50Common Stock Par$5Non-Deposit Borrowings$60Investment Securities$150Net Premises$40Surplus$5Allowance for Loan Losses$50Deposits$390Total Assets$500Gross Premises $70Given this information, what is this firm’s Total Liabilities Plus Equity?A) $250B) $450C) $150D) $50E) $500Answer: E88.You know the following information about the Davis National BankTotal Interest Expenses($500)Total Non Interest Income $100Securities Gains (Losses) $ 50Income Taxes($ 80)Dividends to Stockholders($ 40)Total Interest Income $800Total Non Interest Expenses($150)Provision for Loan Losses($100)Given this information, what is this firm’s Net Interest Income?A) $300B) $150C) ($50)D) $120E) $80Answer: A89.You know the following information about the Davis National BankTotal Interest Expenses($500)Total Non Interest Income $100Securities Gains (Losses) $ 50Income Taxes($ 80)Dividends to Stockholders($ 40)Total Interest Income $800Total Non Interest Expenses($150)Provision for Loan Losses($100)Given this information, what is this firm’s Net Non Interest Income?A) $300B) $150C) ($50)D) $120E) $80Answer: C90.You know the following information about the Davis National BankTotal Interest Expenses($500)Total Non Interest Income $100Securities Gains (Losses) $ 50Income Taxes($ 80)Dividends to Stockholders($ 40)Total Interest Income $800Total Non Interest Expenses($150)Provision for Loan Losses($100)Given this information, what is this firm’s Pretax Net Operating Income (or Net Income before Extraordinary Items)?A) $300B) $150C) ($50)D) $120E) $80Answer: B91.You know the following information about the Davis National BankTotal Interest Expenses($500)Total Non Interest Income $100Securities Gains (Losses) $ 50Income Taxes($ 80)Dividends to Stockholders($ 40)Total Interest Income $800Total Non Interest Expenses($150)Provision for Loan Losses($100)Given this information, what is this firm’s Net Income?A) $300B) $150C) ($50)D) $120E) $80Answer: D92.You know the following information about the Davis National BankTotal Interest Expenses($500)Total Non Interest Income $100Securities Gains (Losses) $ 50Income Taxes($ 80)Dividends to Stockholders($ 40)Total Interest Income $800Total Non Interest Expenses($150)Provision for Loan Losses($100)Given this information, what is this firm’s Increase in Undivided Profits?A) $300B) $150C) ($50)D) $120E) $80Answer: E93.You know the following information about the Davis National BankTotal Interest Expenses($500)Total Non Interest Income $100Securities Gains (Losses) $ 50Income Taxes($ 80)Dividends to Stockholders($ 40)Total Interest Income $800Total Non Interest Expenses($150)Provision for Loan Losses($100)Given this information, what is this firm’s Total Revenues?A) $800C) $150D) $950Answer: D94.You know the following information about the Webb State BankAccumulated Depreciation$40Net Loans$600Fed Funds Purchased and Repurchase Agreements$200Cash and Due from Banks$50Trading Account Securities$40Miscellaneous Assets$100Deposits$500Undivided Profits$140Gross Premises$90Surplus$40Subordinated Debt$100Investment Securities$160Common Stock Par$20Gross Loans$700 Given this information, what is this firm’s Allowance for Loan Losses?A) $1300B) $1000C) $50D) $200E) $100Answer: E95.You know the following information about the Webb State BankAccumulated Depreciation$40Net Loans$600Fed Funds Purchased and Repurchase Agreements$200Cash and Due from Banks$50Trading Account Securities$40Miscellaneous Assets$100Deposits$500Undivided Profits$140Gross Premises$90Surplus$40Subordinated Debt$100Investment Securities$160Common Stock Par$20Gross Loans$700 Given this information, what is this firm’s Net Premises?A) $130B) $1000D) $200E) $100Answer: C96.You know the following information about the Webb State BankAccumulated Depreciation$40Net Loans$600Fed Funds Purchased and Repurchase Agreements$200Cash and Due from Banks$50Trading Account Securities$40Miscellaneous Assets$100Deposits$500Undivided Profits$140Gross Premises$90Surplus$40Subordinated Debt$100Investment Securities$160Common Stock Par$20Gross Loans$700 Given this information, what is this firm’s Total Non Deposit Borrowings?A) $1000B) $300C) $800D) $200E) $500Answer: B97.You know the following information about the Webb State BankAccumulated Depreciation$40Net Loans$600Fed Funds Purchased and Repurchase Agreements$200Cash and Due from Banks$50Trading Account Securities$40Miscellaneous Assets$100Deposits$500Undivided Profits$140Gross Premises$90Surplus$40Subordinated Debt$100Investment Securities$160Common Stock Par$20Gross Loans$700 Given this information, what is this firm’s Total Liabilities?A) $1000B) $300D) $200E) $500Answer: C98.You know the following information about the Webb State BankAccumulated Depreciation$40Net Loans$600Fed Funds Purchased and Repurchase Agreements$200Cash and Due from Banks$50Trading Account Securities$40Miscellaneous Assets$100Deposits$500Undivided Profits$140Gross Premises$90Surplus$40Subordinated Debt$100Investment Securities$160Common Stock Par$20Gross Loans$700 Given this information, what is this firm’s Total Equity?A) $1000B) $300C) $800D) $200E) $500Answer: D99.You know the following information about the Webb State BankAccumulated Depreciation$40Net Loans$600Fed Funds Purchased and Repurchase Agreements$200Cash and Due from Banks$50Trading Account Securities$40Miscellaneous Assets$100Deposits$500Undivided Profits$140Gross Premises$90Surplus$40Subordinated Debt$100Investment Securities$160Common Stock Par$20Gross Loans$700 Given this information, what is this firm’s Total Assets?A) $1000B) $300C) $800E) $500Answer: A100.You know the following information about the Taylor National Bank Provision for Loan Losses($100)Income Taxes($140)Non Interest Income $500Dividends ($60)Securities Gains (Losses) ($50)Interest Income $1500Non Interest Expense $750Interest Expenses $750 Given this information, what is this firm’s Net Interest Income?A) $150B) $210C) $400D) ($250)E) $750Answer: E101.You know the following information about the Taylor National Bank Provision for Loan Losses($100)Income Taxes($140)Non Interest Income $500Dividends ($60)Securities Gains (Losses) ($50)Interest Income $1500Non Interest Expense $750Interest Expenses $750 Given this information, what is this firm’s Net Non Interest Income?A) $150B) $210C) $400D) ($250)E) $750Answer: D102.You know the following information about the Taylor National Bank Provision for Loan Losses($100)Income Taxes($140)Non Interest Income $500Dividends ($60)Securities Gains (Losses) ($50)Interest Income $1500Non Interest Expense $750Interest Expenses $750Given this information, what is this firm’s Net Operating Income or Net Income BeforeExtraordinary Income?A) $150B) $210C) $400D) ($250)E) $750Answer: C103.You know the following information about the Taylor National BankProvision for Loan Losses($100)Income Taxes($140)Non Interest Income $500Dividends ($60)Securities Gains (Losses) ($50)Interest Income $1500Non Interest Expense $750Interest Expenses $750Given this information, what is this firm’s Net Income?A) $150B) $210C) $400D) ($250)E) $750Answer: B104.You know the following information about the Taylor National BankProvision for Loan Losses($100)Income Taxes($140)Non Interest Income $500Dividends ($60)Securities Gains (Losses) ($50)Interest Income $1500Non Interest Expense $750Interest Expenses $750Given this information, what is this firm’s Increase in Undivided Profits?A) $150B) $210C) $400D) ($250)E) $750Answer: ARose/Hudgins, Bank Management and Financial Services, 8/e77。
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=
2Y1 ( z ) X1(z)
=
2X2(z) X1(z)
=
2 1+ 0.2z−1
H3(z)
=
Y3 (z) X1(z)
=
Y3 (z) ⋅ X2(z)
X 2 (z) X1(z)
=
1
4 + z−1 − 0.2z−1
+ 2z−2 + 0.8z
−2
⋅
1
+
1 0.2
z
−1
H (z)
=
X1(z) ⋅Y (z) X (z)⋅ X1(z)
H (2) = 0.5 + 0.5 j
H(3)～H(13)都为0
H (14) = 0.5 − 0.5 j
H (15) = 1 + j 3
设修正半径r=1(不修正极值点位置)，求滤波器的频率采样型结构。
解：
参考书上134页公式（5.30）、（5.31），有
H (z)
=
1 N
Hc (z)[H0 (z)
+
（3） 用并联结构实现，计算输出舍入噪声方差；
几种结构相比较，哪种最高，哪种最低。
解：①直接型
H (z)
=
1
−
0.5 − 1.2 z −1
0.3z −1 + 0.32
z
−2
=
0.5 − 0.3z−1 B(z)
直接型结构流图如图
4
0.5 [e0(n)+e1(n)+e2(n)+e3(n)]
z-1
z-1
H1(z) +
H 2 (z)]
其中
Hc(z) =1− z−N
H
0
(
z)
=
1
1 −z
−1
H1(z)
=
1
−
z
α01 + α11z −1 −12 cos(π / 8)
+
z−2
=
2 Re[H (1)] − 2 Re[H (1)WN1 ]z−1 1 − z−12 cos(2π / N ) + z−2
=
2 − 4 Re[e− jπ / 3e− jπ / 8 ]z −1 1 − z−12 cos(π / 8) + z−2
z −4 − 0.08
z
−5
y(n)=1.5y(n-1)-0.26y(n-2)+0.98y(n-3)+0.62y(n-4)+0.08y(n-5)
+6x(n)+3.6x(n-1)+15.9x(n-2)+3x(n-3)+7.2x(n-4)
1
5-7 已知FIR滤波器的16个频率采样值为
H(0)=1
H (1) = 1 − j 3
=
X1(z) • Y2 (z) + Y3 (z)
X (z)
X1(z)
=
H1(z)[H2 (z) + H3 (z)]
=
1+ 0.5z−1 + 2z−2 1−1.5z−1 − 0.5z−2
[ 1+
2 0.2 z −1
+
4 + z−1 + 2z−2 1− 0.2z−1 + 0.8z−2
⋅ 1+
1 0.2 z −1
因子A，以使其最大绝对值不超过1，
（1） 当输入为正弦随机相位序列 xa (nT ) = B cos(ω0n + θ ) ，θ 在 [0,2π ] 上均匀等概率分布时，试求A/D变换器的输出信噪比
σ
2 x
/
σ
2 e
。
（2） 当输入为一随机信号，且x(n)的峰值是σ x 的 ± 3 倍，求 A/D变
换器的输出信噪比σ
=
2− 1− z
4z−1 cos(11π −12 cos(π / 8)
/ 24) + z−2
H2(z)
=
2 Re[H (2)] − 2 Re[H (2)WN2 ]z−1 1− z−12 cos(4π / N ) + z−2
=
1− 2z−1 1− 2z−1 + z−2
2
5-9 A/D变换器的字长为b，采用舍入处理，输出信号必须乘以比例
z −1 + 2z −2 −1 − 0.5z −2
Y1(z) = X 2 (z)
X 2 (z) = X1(z) − 0.2z −1Y1(z) = X1(z) − 0.2z −1X 2 (z)
=
1+
1 0.2z −1
X1(z)
注意X2(z)有2个输入，所以不等于X1(z)
H2(z)
=
Y2 (z) X1(z)
-0.3
1.2
z-1
-0.32
[e0(n)+e1(n)] 0.5 [e2(n)+e3(n)]
z-1 1.2 -0.3
z-1 -0.32
直接 I 型
的输入信号峰值达到1时有最大的量化噪声信噪比，所以有
σx
=
1, 3
∴
σ
2 x
σ
2 e
=
σ
2 x
=
1 9
1
9 q2
=
4 3q 2
=
4 3
⋅ 22b
12
3
SNR
=
10
lg
σ σ
2 x
2 e
= 10 lg(4 ⋅ 22b ) 3
=
6.02(b + 1) − 4.771 =
6.02b + 1.249
令SNR=80，求得
2 x
/
σ
2 e
，并问若要求得到80dB的信噪比，字
长应该多少位。
解：
（1）乘以比例因子A后，无论B为何值，输入到A/D变换器正弦信号最
大幅度始终为1，所以
σ
2 x
=
∫−ππ
1 2π
cos2 (ω0n + θ )dθ
=
1 2
1
∴
σ
2 x
σ
2 e
=
2 q2
=
6 q2
=
6 ⋅ 22b
12
（2）因x(n)的峰值是σ x 的 ± 3 倍，而乘以比例因子A后， A/D变换器
b=(80-1.249)/6.02=13.08 (取整)=14
注：字长的理解有两种，一是指有效字长，去掉符号位后还有b位，
量化宽度（或量化阶）为q=2 -b，书上的例题和上题题解均按此计算。
另一种为总字长，包括符号共b位，这时量化宽度变为q=2 。 -(b-1)
今后统一用q=2 -b。
5-10 一个二阶IIR滤波器的传递函数为
第5章 数字滤波器结构及实现
5-1 写出题图5.1结构的传递函数及差分方程。
解：（a）
y(n)=0.25 y(n-1)-0.3 y(n-2)+2 x(n)+0.25 x(n-1)
H
(z)
=1−源自2 + 0.25z−1 0.25z−1 + 0.3z−2
（b）
H1(z)
=
X1(z) X (z)
=
1 + 0.5 1 −1.5z
H
(z)
=
(1 −
0.5 − 0.3z−1 0.4z−1)(1− 0.8z−1)
现用b位字长定点制实现它，尾数作舍入处理。
（1） 试计算直接II型结构的输出舍入噪声方差；
（2） 如果用一阶网络的级联结构来实现H（z），则共有六种网络流图，
试画出有运算舍入噪声时的每种网络的流图并计算输出舍入噪
声方差；
]
=
1+ 0.5z−1 + 2z−2 1−1.5z−1 − 0.5z−2
⋅
1
6 +
+ 0.6z−1 0.76 z −2
+ +
3.6 z −2 0.16 z −3
=
1
−
1.5
6 + 3.6z−1 z−1 + 0.26z
+15.9z−2 + 3z−3 + 7.2 −2 − 0.98z−3 − 0.62z−4