Intrebari + Probleme Macroeconomie Feaa

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| By Catherine Halcomb
Catherine Halcomb
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  • 1/142 întrebări

    Privita la modul general, piata financiara sau piata capitalului, cuprinde:

    • Tranzactii numai cu obligatiuni
    • Ansamblul tranzactiilor care au drept obiectiv mobilizarea si plasarea fondurilor financiare disponibile si necesare, inclusiv reglementarile si institutiile legate de derularea acestora
    • Tranzactii numai cu actiuni
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Intrebari + Probleme Macroeconomie Feaa - Quiz

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  • 2. 

    Banii:

    • Sunt autorizati de guvern, care controleaza societatea

    • Sunt sustinuti de bunuri care au o valoare intrinseca

    • E de asteptat sa-si mentina o valoare constanta in viitor

    • Reprezinta un mijloc de schimb general acceptat

    Correct Answer
    A. Reprezinta un mijloc de schimb general acceptat
    Explanation
    Banii reprezintă un mijloc de schimb general acceptat deoarece sunt utilizati ca instrument pentru a cumpăra bunuri și servicii într-o societate. Aceștia sunt acceptați de către toți participanții la schimburi comerciale și sunt recunoscuți ca având o valoare universală. Deși există diferite tipuri de bani, cum ar fi bancnotele și monedele, acestea sunt acceptate în mod general și pot fi folosite pentru a achiziționa orice alt bun sau serviciu.

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  • 3. 

    Institutia care poate acorda credit bancilor poarta denumirea de:

    • Banca Centrala

    • Agentie guvernamentala

    • Institutie financiara de incredere

    • Guvern

    Correct Answer
    A. Banca Centrala
    Explanation
    The institution that can provide credit to banks is known as the central bank. The central bank is responsible for regulating the banking system, implementing monetary policy, and providing liquidity to the banking sector. It acts as a lender of last resort for commercial banks and plays a crucial role in maintaining financial stability and controlling inflation.

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  • 4. 

    Banii:

    • Sunt autorizati de guvern, care controleaza societatea

    • Sunt sustinuti de bunuri care au o valoare intrinseca

    • E de asteptat sa isi mentina o valoare constanta in viitor

    • Reprezinta un mijloc de schimb general acceptat

    Correct Answer
    A. Reprezinta un mijloc de schimb general acceptat
    Explanation
    Banii reprezintă un mijloc de schimb general acceptat deoarece sunt utilizati pentru a cumpara bunuri si servicii, fiind acceptati de catre majoritatea comerciantilor si furnizorilor. Ei sunt recunoscuti ca fiind o forma de plata valabila in societate, ceea ce ii face usor de utilizat pentru efectuarea tranzactiilor. De asemenea, banii sunt sustinuti de bunuri care au o valoare intrinseca si sunt autorizati de guvern, ceea ce ii confera legitimitate si incredere.

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  • 5. 

    Bancnotele din rezervele federale functioneaza astazi eficient in calitate de bani pentru ca:

    • Toata lumea este dispusa sa le accepte in schimbul unor bunuri valorificabile

    • Statul a decretat ca ele reprezinta banii

    • Sunt amortizabile in aur

    • Sunt amortizabile in argint

    Correct Answer
    A. Toata lumea este dispusa sa le accepte in schimbul unor bunuri valorificabile
    Explanation
    The correct answer is "toata lumea este dispusa sa le accepte in schimbul unor bunuri valorificabile". This means that everyone is willing to accept these banknotes in exchange for valuable goods. This is an important characteristic of money, as it needs to be universally accepted as a medium of exchange. Without this widespread acceptance, the banknotes would not be able to function effectively as money.

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  • 6. 

    Cursul valutar conventional:

    • Este stabilit in mod liber pe piata

    • Este similar paritatii metalice

    • Este stabilit unilateral de autoritatile monetare nationale in functie de diversi factori economici, politici, sociali si institutionali, interni si externi

    • Se bazeaza pe continutul in metal pretios al monedelor respective

    Correct Answer
    A. Este stabilit unilateral de autoritatile monetare nationale in functie de diversi factori economici, politici, sociali si institutionali, interni si externi
    Explanation
    The correct answer is "este stabilit unilateral de autoritatile monetare nationale in functie de diversi factori economici, politici, sociali si institutionali, interni si externi". This means that the conventional exchange rate is determined solely by the national monetary authorities, taking into account various economic, political, social, and institutional factors, both domestic and international. This suggests that the exchange rate is not freely determined by the market or based on the precious metal content of the respective currencies.

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  • 7. 

    Piata capitalului pe termen scurt este o piata interbancara:

    • Prin care bancile se imprumuta intre ele, realizand o functie de compensare a excedentului si deficitului de lichiditati bancare

    • Ce nu cuprinde si operatiunile de scontare si re-scontare a titlurilor de credit

    • Ce cuprinde si operatiunile cu activele financiare care ao scadente lungi

    Correct Answer
    A. Prin care bancile se imprumuta intre ele, realizand o functie de compensare a excedentului si deficitului de lichiditati bancare
    Explanation
    The correct answer explains that the short-term capital market is an interbank market where banks borrow from each other to compensate for surplus and deficit of bank liquidity. It states that this market does not include discounting and rediscounting operations of credit securities, but it does include operations with financial assets with long maturities.

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  • 8. 

    Operatiunile cu prima simpla „a la hausse”

    • Ofera posibilitatea cumparatorului de a alege intre executarea sau realizarea contractului in functie de situatia existenta la termenul de scadenta

    • Obliga cumparatotul la executarea contractului la scadenta

    • Nu ofera posibilitatea cumparatorului de a alege intre executarea sau realizarea contractului,in functie de situatia existenta la termenul de scadenta

    Correct Answer
    A. Ofera posibilitatea cumparatorului de a alege intre executarea sau realizarea contractului in functie de situatia existenta la termenul de scadenta
    Explanation
    This answer states that "Operatiunile cu prima simpla 'a la hausse' ofera posibilitatea cumparatorului de a alege intre executarea sau realizarea contractului in functie de situatia existenta la termenul de scadenta." This means that operations with a simple "a la hausse" premium give the buyer the option to choose between executing or realizing the contract based on the situation at the maturity date.

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  • 9. 

    Daca masa monetara creste prea mult, urmarea cea mai probabila va fi:

    • Scaderea preturilor

    • Marirea taxelor

    • Inflatia

    • Micsorarea impozitelor

    Correct Answer
    A. Inflatia
    Explanation
    If the money supply increases too much, the most likely consequence would be inflation. When there is an excess of money in the economy, people have more purchasing power, which leads to an increase in demand for goods and services. As demand increases, prices tend to rise, causing inflation. Therefore, it is reasonable to conclude that the most probable outcome of a significant increase in the money supply would be inflation.

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  • 10. 

    Care dintre urmatoarele este cel mai serios obstacol pentru obtinerea unor informatii relevante in timpul pe care politicile fiscale sau monetare il au la dispozitie pentru a avea efecte complete asupra cheltuielilor private si deciziilor de productie?

    • Date neadecvate

    • Computere insuficient de performante

    • Lipsa interesului pentru aceasta problema

    • Faptul ca intarzierile in programare variaza in functie de cat de multe sau cat de putine informatii sunt puse la dispozitia publicului

    Correct Answer
    A. Faptul ca intarzierile in programare variaza in functie de cat de multe sau cat de putine informatii sunt puse la dispozitia publicului
    Explanation
    The correct answer states that the delays in programming vary depending on the amount or lack of information available to the public. This suggests that the lack of relevant information can be a significant obstacle in obtaining relevant information during the time that fiscal or monetary policies have to have complete effects on private spending and production decisions.

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  • 11. 

    Care este caracteristica esentiala a unui bun utilizat ca bani?

    • Usurinta de a fi transportat

    • Acceptabilitatea

    • Perisabilitatea

    • Abundenta

    Correct Answer
    A. Acceptabilitatea
    Explanation
    The essential characteristic of a good used as money is its acceptability. This means that the good must be widely accepted and recognized as a medium of exchange by the members of a society. Without acceptability, the good would not be able to fulfill its function as a medium of exchange and would not be widely used as a form of payment.

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  • 12. 

    Somajul frictional:

    • Ilustreaza o trasatura specifica migratiei pendulatorii

    • Corespunde caracterului ciclic al activitatii economice

    • Este determinat de aparitia unor frictiuni intre angajat si angajator

    • Apare prin initiativa persoanelor de a parasi locul de munca, cu scopul de a identifica un altul, mai bine platit

    Correct Answer
    A. Apare prin initiativa persoanelor de a parasi locul de munca, cu scopul de a identifica un altul, mai bine platit
    Explanation
    Somajul frictional se referă la situația în care oamenii își părăsesc locul de muncă în căutarea unuia mai bine plătit. Acest tip de șomaj este rezultatul inițiativei individuale a persoanelor de a-și găsi un loc de muncă mai bun și nu este cauzat de fricțiuni între angajat și angajator sau de caracterul ciclic al activității economice.

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  • 13. 

    Detinatorul de actiuni are dreptul:

    • De a obtine o dobanda anuala

    • De a obtine un venit sigur

    • De a obtine devident

    Correct Answer
    A. De a obtine devident
    Explanation
    The correct answer is "De a obtine devident." This means that the shareholder has the right to receive dividends. Dividends are a portion of the company's profits that are distributed to shareholders as a form of income. This is one of the benefits of owning shares in a company, as it allows shareholders to receive a return on their investment.

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  • 14. 

    Principalul avantaj pe care il aveau monedele de metal asupra pieselor din metal neprelucrat era:

    • Gradul mai mare de atractivitate al monedelor

    • Acela ca monedele purtau sigiliul statului

    • Acela ca monedele aveau valoare pentru colectionari

    • Acela ca erau mult mai usor sa determini cantitatea si calitatea metalului continut de monede

    Correct Answer
    A. Acela ca erau mult mai usor sa determini cantitatea si calitatea metalului continut de monede
    Explanation
    The main advantage of metal coins over unprocessed metal pieces was that it was much easier to determine the quantity and quality of the metal contained in the coins.

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  • 15. 

    In luna martie, aprilie si mai, rata lunara a inflatiei a fost de 4%. In aceste conditii, rata inflatiei pe cele trei luni a fost de:

    • 12,4%

    • 8%

    • 4%

    • 124%

    Correct Answer
    A. 12,4%
    Explanation
    The question states that the monthly inflation rate for March, April, and May was 4%. To calculate the overall inflation rate for the three months, we can simply add up the monthly rates. So, 4% + 4% + 4% = 12%. Therefore, the correct answer is 12,4%.

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  • 16. 

    Dintre urmatoarele argumente impotriva restabilirii etalonului in aur in Statele Unite, cel mai convingator este probabil acela ca:

    • I-ar saraci pe producatorii de aur

    • Ar face mai dificila estimarea preturilor viitoare

    • Argintul este un metal preferat in Statele Unite

    • Statul ar putea foarte usor anula etalonul in aur oricand i-ar constrange politicile

    Correct Answer
    A. Statul ar putea foarte usor anula etalonul in aur oricand i-ar constrange politicile
    Explanation
    The most convincing argument against restoring the gold standard in the United States is that the government could easily cancel it whenever it is politically convenient. This suggests that the gold standard would not provide a stable and reliable basis for the country's currency, as the government could manipulate or abandon it at any time. This lack of certainty would undermine confidence in the currency and make it difficult for individuals and businesses to accurately estimate future prices.

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  • 17. 

    Schimbarile de la nivelul ratelor de impozitare sau al cheltuielilor guvernamentale au o probabilitate mica de a fi niste tehnici eficiente de stabilizare pentru ca:

    • S-a demonstrat ca politica fiscala nu are niciun efect asupra cheltuielilor agregate

    • De obicei, politica monetara anuleaza efectele politicii fiscale

    • Procesul politic prin care taxele propuse sau cheltuielile modificate trebuie sa fie aprobate este prea lent si devine prea des subiectul unor tensiuni conflictuale

    • Cheltuielile agregate cu noile bunuri sunt intotdeauna prin definitie egale cu productia si venitul total

    Correct Answer
    A. Procesul politic prin care taxele propuse sau cheltuielile modificate trebuie sa fie aprobate este prea lent si devine prea des subiectul unor tensiuni conflictuale
    Explanation
    The answer suggests that the slow and often conflict-ridden political process of approving proposed taxes or modified expenses makes it unlikely for changes in tax rates or government spending to be effective stabilization techniques. This implies that any attempts to adjust these factors as a means of economic stabilization would be hindered by the lengthy and contentious process of gaining approval for such changes.

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  • 18. 

    Schimbari ale ratelor de impozitare sau ale cheltuielilor guvernamentale au o probabilitate mica de a reprezenta tehnici de stabilizare eficiente pentru ca:

    • S-a demonstrat ca politica fiscala nu are niciun efect asupra cheltuielilor agregate

    • De obicei, politica monetara anuleaza efectele politicii fiscale

    • Procesul politic prin care taxele propuse sau cheltuielile modificate trebuie sa fie aprobate este prea lent si devine prea des subiectul unor tensiuni conflictuale

    • Cheltuielile agregate cu noile bunuri sunt intotdeauna prin definitie egale cu productia si venitul total

    Correct Answer
    A. Procesul politic prin care taxele propuse sau cheltuielile modificate trebuie sa fie aprobate este prea lent si devine prea des subiectul unor tensiuni conflictuale
    Explanation
    The explanation for the given correct answer is that the political process of approving proposed taxes or modified expenditures is often slow and prone to conflicts. This means that any changes in tax rates or government spending may take a significant amount of time to be implemented, which can hinder their effectiveness as stabilization techniques. Additionally, the conflicts and tensions that arise during the approval process can further delay or even prevent the implementation of these changes, making them inefficient for stabilization purposes.

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  • 19. 

    Modul de gandire economic previzioneaza ca daca majoritatea celor care voteaza intr-o democratie vor sa fie reduse cheltuielile guvernamentale totale:

    • Acestea vor fi reduse cu cantitatea pe care ei o prefera

    • Acestea vor fi reduse, dar cu mai putin decat ei prefera

    • Este posibil ca acestea sa nu fie reduse deloc, pentru ca acest lucru nu este posibil din punct de vedere politic

    • De fapt, acestea vor fi marite

    Correct Answer
    A. Este posibil ca acestea sa nu fie reduse deloc, pentru ca acest lucru nu este posibil din punct de vedere politic
    Explanation
    The correct answer suggests that it is possible that government expenses may not be reduced at all because it is not politically feasible. This means that even if the majority of voters want to reduce government spending, it may not be implemented due to political constraints or opposition.

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  • 20. 

    Ce limiteaza capacitatea unei banci nereglementate de a continua sa creeze bani pe perioada nedeterminata?

    • Abilitatea sa de a mentine increderea oamenilor in valoarea constanta a garantiilor sale

    • Numarul oamenilor pe care ii poate convinge sa imprumute de la ea

    • Numarul oamenilor pe care ii poate convinge sa depuna bani in conturi de economii

    • Numarul filialelor pe care le opereaza intr-o anumita zona

    Correct Answer
    A. Abilitatea sa de a mentine increderea oamenilor in valoarea constanta a garantiilor sale
    Explanation
    The correct answer is "abilitatea sa de a mentine increderea oamenilor in valoarea constanta a garantiilor sale" (its ability to maintain people's trust in the constant value of its guarantees). This answer suggests that the ability of an unregulated bank to continue creating money indefinitely is limited by its ability to maintain the trust of people in the value of its guarantees. If people lose confidence in the bank's guarantees, they may withdraw their money, leading to a loss of liquidity and the bank's inability to continue creating money.

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  • 21. 

    Recesiunea este cel mai bine definita ca o perioada care:

    • Procentul populatiei active in campul muncii scade

    • Apar scaderi neintentionate in ceea ce priveste angajatii, productia si veniturile

    • Nivelul preturilor scade

    • Viteza productiei de bunuri produse spre a fi vandute altora scade

    Correct Answer
    A. Apar scaderi neintentionate in ceea ce priveste angajatii, productia si veniturile
    Explanation
    The correct answer is "apar scaderi neintentionate in ceea ce priveste angajatii, productia si veniturile". This answer accurately defines a recession as a period characterized by unintended decreases in employment, production, and income. A recession typically involves a decline in economic activity and can have negative effects on various aspects of an economy, including employment levels, output, and people's incomes.

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  • 22. 

    Mai ales in perioadele de razboi, guvernele sunt tentate sa suplimenteze cantitatea de moneda. Aceasta masura are drept consecinte:

    • Cresterea valorii banilor

    • Aparitia inflatiei

    • Cresterea increderii populatiei in disponibilitatea limitata a banilor

    • Aparitia deflatiei

    Correct Answer
    A. Aparitia inflatiei
    Explanation
    In times of war, governments are often tempted to increase the quantity of money in circulation. This measure leads to the occurrence of inflation, as the increased money supply reduces the value of each individual unit of currency. This can lead to rising prices and a decrease in the purchasing power of the population. Therefore, the correct answer is the appearance of inflation.

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  • 23. 

    Daca un client retrage 5000 euro dintr-un cont la vedere si ii depune intr-un cont la termen cum variaza agregatele monetare?

    • M1 si M2 scad

    • M2 creste dar M1 nu se modifica

    • M1 si M2 cresc

    • M1 scade cu 5000 iar M2 nu se modifica

    Correct Answer
    A. M1 scade cu 5000 iar M2 nu se modifica
    Explanation
    When a customer withdraws 5000 euros from a demand deposit account and deposits it into a term deposit account, the M1 aggregate decreases by 5000 euros because the funds are no longer immediately available for spending. However, the M2 aggregate remains unchanged because the funds are still within the overall money supply, even though they are not as liquid as before.

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  • 24. 

    Rata somajului reprezinta raportul procentual intre:

    • Populatia somera si polulatia ocupata

    • Populatia somera si intreaga populatie a tarii

    • Populatia active si populatia somera

    • Populatia somera si populatia activa

    Correct Answer
    A. Populatia somera si populatia activa
    Explanation
    The correct answer is "Populatia somera si populatia activa". The unemployment rate represents the percentage ratio between the unemployed population and the active population.

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  • 25. 

    Capacitatea unei banci nereglementate de a continua sa creeze bani pe perioada nedeterminata este limitata de:

    • Abilitatea sa de a mentine increderea oamenilor in valoarea contstanta a garantiilor sale

    • Numarul creditelor pe care le acorda

    • Numarul oamenilor pe care il poate convinge sa depuna bani in conturi de economii

    • Numarul filialelor pe care le opereaza intr-o anumita zona

    Correct Answer
    A. Abilitatea sa de a mentine increderea oamenilor in valoarea contstanta a garantiilor sale
    Explanation
    The ability of an unregulated bank to continue creating money indefinitely is limited by its ability to maintain people's trust in the constant value of its guarantees. This means that if people lose confidence in the bank's ability to honor its guarantees, they may withdraw their deposits, leading to a loss of funds for the bank and potentially causing it to fail. Therefore, the bank's ability to maintain trust is crucial in sustaining its ability to create money.

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  • 26. 

    Care dintre urmatoarele institutii creaza banii din economia romaneasca?

    • Guvernul

    • Bancile

    • Firmele de brokeraj

    • Banca Nationala a Romaniei

    Correct Answer
    A. Banca Nationala a Romaniei
    Explanation
    Banca Nationala a Romaniei este institutia responsabila pentru crearea banilor din economia romaneasca. Ca banca centrala a tarii, ea are puterea de a emite si controla oferta monetara, inclusiv prin stabilirea ratei dobanzii si prin gestionarea rezervelor valutare. Guvernul, bancile si firmele de brokeraj nu au puterea de a crea bani, ci doar de a efectua tranzactii cu banii deja existenti.

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  • 27. 

    Banii furnizeaza servicii pentru oameni:

    • Doar atunci cand produc dobanda

    • Doar atunci cand sunt cheltuiti

    • Doar atunci cand sunt economisiti

    • Doar atunci cand sunt cheltuiti, cat si atunci cand sunt economisiti

    Correct Answer
    A. Doar atunci cand sunt cheltuiti, cat si atunci cand sunt economisiti
    Explanation
    Money provides services for people both when they are spent and when they are saved. When money is spent, it is used to purchase goods and services, which directly benefits people. When money is saved, it can be used to invest or accumulate wealth, which can provide future benefits and opportunities for individuals. Therefore, money serves a purpose both when it is spent and when it is saved.

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  • 28. 

    O „recesiune” poate fi cel mai bine perceputa ca:

    • O criza cauzata de un colaps al preturilor actiunilor

    • O perioada de scadere a preturilor medii

    • O incetinire neintentionata si perturbatoare a ratei de crestere economica

    • Orice reducere a ratei de crestere a PIB

    Correct Answer
    A. O incetinire neintentionata si perturbatoare a ratei de crestere economica
    Explanation
    A recession can be best perceived as an unintentional and disruptive slowdown in the rate of economic growth. This means that during a recession, the economy experiences a period of slower growth or even contraction, which is not intentional and disrupts the normal pace of economic expansion. This definition does not mention a collapse in stock prices or a decrease in average prices, and it includes any reduction in the rate of GDP growth.

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  • 29. 

    Unii economisti sustin ca politica monetara este mai putin eficace in contracararea unui declin economic decat in contracararea unei expansiuni economice rapide si excesive pentru ca:

    • O mare parte din bani se afla in mainile consumatorilor si de aceea nu poate fi cuantificata in mod precis

    • Intotdeauna declinurile economice au o importanta componenta psihologica

    • Sistemul bancilor comerciale profita de pe urma declinurilor, dar nu si a expansiunilor

    • Banca Centrala poate mari rezervele bancare, dar nu poate obliga bancile sa dea cu imprumut din rezervele lor

    Correct Answer
    A. Banca Centrala poate mari rezervele bancare, dar nu poate obliga bancile sa dea cu imprumut din rezervele lor
    Explanation
    The correct answer states that the Central Bank can increase bank reserves but cannot force banks to lend from their reserves. This suggests that even if the Central Bank implements expansionary monetary policy by increasing reserves, it does not guarantee that banks will actually lend the money to stimulate the economy during an economic decline. Therefore, the effectiveness of monetary policy in countering an economic decline is limited.

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  • 30. 

    In lunile ianuarie, februarie si martie, rata luanara a inflatiei a fost de 2%. In aceste conditii rata infaltiei pe cele trei luni a fost de:

    • 8%

    • 6%

    • 6.12%

    • 106%

    Correct Answer
    A. 6.12%
    Explanation
    The question states that the lunar inflation rate for the months of January, February, and March was 2%. To calculate the inflation rate for the three months, we need to compound the monthly rates. The formula for compounding is (1 + r1)(1 + r2)(1 + r3) - 1, where r1, r2, and r3 are the monthly rates. Plugging in the value of 2% for each month, we get (1 + 0.02)(1 + 0.02)(1 + 0.02) - 1 = 1.02 * 1.02 * 1.02 - 1 = 1.0609 - 1 = 0.0609. Therefore, the inflation rate for the three months is 6.09%, which is closest to the given answer of 6.12%.

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  • 31. 

    Istoria banilor arata ca multe societati au ales metale precum cuprul, argintul si aurul ca mijloc preferat de schimb pentru ca aceste metale:

    • Erau atractive

    • Erau divizibile

    • Erau durabile

    • Erau transportabile

    • Erau rare

    • Indeplineau toate conditiile mentionate mai sus

    Correct Answer
    A. Indeplineau toate conditiile mentionate mai sus
    Explanation
    The given answer states that metals like copper, silver, and gold were chosen as a preferred medium of exchange because they fulfilled all the mentioned conditions of being attractive, divisible, durable, transportable, and rare. This implies that these metals possessed all the necessary qualities that made them suitable for being used as a form of currency in various societies throughout history.

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  • 32. 

    Un dolar din noile rezerve excedentare furnizate sistemului bancar permite acestui sistem sa creeze:

    • Haos

    • Mai putin de un dolar sub forma de bani noi

    • Exact un dolar sub forma de bani noi

    • Mai mult de un dolar sub forma de bani noi

    Correct Answer
    A. Mai mult de un dolar sub forma de bani noi
    Explanation
    When a dollar is added to the excess reserves of the banking system, it allows the system to create more than one dollar in the form of new money. This is because of the fractional reserve banking system, where banks are only required to hold a fraction of their deposits as reserves and can lend out the rest. As a result, the initial dollar can be multiplied through the lending process, leading to the creation of more than one dollar in new money.

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  • 33. 

    Profitul potential al bancii este dat de diferenta dintre:

    • Dobanzile practicate la creditele acordate si dobanzile platite pentru conturile de economii ale clientilor

    • Sumele totale depuse si rezervele obligatorii

    • Dobanzile incasate si totalitatea cheltuielilor bancii

    • Credite si depozite

    Correct Answer
    A. Dobanzile practicate la creditele acordate si dobanzile platite pentru conturile de economii ale clientilor
    Explanation
    The potential profit of the bank is determined by the difference between the interest rates charged on loans and the interest rates paid on customer savings accounts. This means that the bank earns money by charging higher interest rates on loans than it pays out on savings accounts. This is a common practice for banks to generate profit from the interest rate spread.

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  • 34. 

    O crestere a cererii de bani din partea populatiei sugereaza ca:

    • Oamenii doresc sa detina mai multa cantitate de moneda si sa isi pastreze balante medii mai mari in conturile lor bancare

    • Oamenii doresc sa isi mareasca venitul fara sa lucreze ore suplimentare

    • Pretul banilor a crescut

    • Oamenii sunt dispusi sa renunte la timpul liber pentru a obtine venit suplimentar

    Correct Answer
    A. Oamenii doresc sa detina mai multa cantitate de moneda si sa isi pastreze balante medii mai mari in conturile lor bancare
    Explanation
    The increase in demand for money from the population suggests that people want to hold a larger quantity of currency and maintain higher average balances in their bank accounts. This implies that people have a preference for liquidity and are seeking to have more money readily available for their financial needs.

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  • 35. 

    Intarzierile „sincronizate” care trebuie anticipate si controlate daca este necesar ca managementul cererii agregate sa fie o tehnica de stabilizare eficienta sunt acele intarzieri dintre:

    • Aparitia unei probleme si recunoasterea acelei probleme

    • Recunoasterea problemei si actiunea de solutionare a acesteia

    • Actiunea de a solutiona problema si efectele ei asupra deciziilor privind cheltuielile si productia

    • Toate variantele de mai sus

    Correct Answer
    A. Toate variantele de mai sus
    Explanation
    The correct answer is "toate variantele de mai sus" (all of the above). This means that all of the mentioned delays between the appearance of a problem and its recognition, between the recognition of the problem and the action taken to solve it, and between the action taken to solve the problem and its effects on expenditure and production decisions, need to be anticipated and controlled for effective aggregate demand management.

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  • 36. 

    In Statele Unite, productia si venitul real au scazut in perioada 1923-1933 cu aproximativ:

    • 10%

    • 20%

    • 30%

    • 50%

    Correct Answer
    A. 30%
    Explanation
    The correct answer is 30% because the question states that both production and real income decreased in the United States from 1923 to 1933. A decrease of 30% indicates a significant decline in both production and income during that period.

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  • 37. 

    Operatiunile pe piata financiara primara sunt mijlocite de cele mai multe ori de catre:

    • Comercianti

    • Banci

    • Bursele de valori

    • Agentii guvernamentale

    Correct Answer
    A. Banci
    Explanation
    Primary financial market operations are mostly intermediated by banks. Banks play a crucial role in facilitating the buying and selling of financial instruments such as stocks, bonds, and other securities. They provide various services like underwriting, advisory, and financing to both issuers and investors in the primary market. Banks also act as intermediaries between borrowers and lenders, facilitating the flow of funds in the primary market. Therefore, banks are the main entities involved in conducting operations in the primary financial market.

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  • 38. 

    In conditiile in care, in anul 2012, importurile Romaniei au fost de 9.000 mld. euro, in timp ce valoarea totala a exporturilor a fost de 7.200 mld. euro, balanta comerciala prezinta o rata de acoperire de:

    • 90%

    • 72%

    • 128,57%

    • 80%

    Correct Answer
    A. 80%
    Explanation
    The correct answer is 80% because the trade balance is calculated by dividing the value of exports by the value of imports and then multiplying by 100. In this case, the value of exports is 7,200 billion euros and the value of imports is 9,000 billion euros. Dividing 7,200 by 9,000 and multiplying by 100 gives a trade balance of 80%.

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  • 39. 

    Politicile anti-inflationiste

    • Determina scaderea puterii de cumparare a monedei

    • Nu sunt avantajoase pentru guvernare, limitand finantarea cheltuielilor guvernamentale

    • Sunt imbinate cu politici bugetare expansionist

    • Sunt favorabile clasei politice,fiind un set de masuri foarte populare

    Correct Answer
    A. Nu sunt avantajoase pentru guvernare, limitand finantarea cheltuielilor guvernamentale
    Explanation
    Anti-inflationary policies are not advantageous for governance because they limit government spending. These policies aim to decrease the purchasing power of the currency in order to control inflation. By reducing government spending, these policies restrict the funding available for government expenses. This can be seen as a disadvantage for the government as it limits their ability to finance their activities and fulfill their obligations.

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  • 40. 

    Cel mai bun argument pentru restabilirea etalonului in aur, in Statele Unite, este acela ca:

    • Astfel ar putea fi limitata capacitatea guvernului de a mari cantitatea de bani aflata in circulatie

    • Aurul este durabil, divizibil si implicit valoros

    • Alte tari nu ar economisi in dolari daca acestia nu ar fi convertibili in aur

    • Restul lumii utilizeaza deja acest etalon

    Correct Answer
    A. Astfel ar putea fi limitata capacitatea guvernului de a mari cantitatea de bani aflata in circulatie
    Explanation
    The best argument for restoring the gold standard in the United States is that it would limit the government's ability to increase the quantity of money in circulation. By tying the value of the currency to a fixed amount of gold, the government would not be able to simply print more money, which can lead to inflation. This would provide stability and confidence in the currency, as its value would be backed by a tangible and limited resource.

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  • 41. 

    Daca agentiile guvernului federal au permisiunea de a utiliza politica fiscala si/sau monetara pentru a asigura niveluri ridicate ale productiei si ocuparii fara a crea inflatie, ele trebuie sa fie capabile sa influenteze:

    • PIB-ul nominal

    • PIB-ul real

    • Nivelul preturilor

    • PIB-ul real si nivelul preturilor in mod independent unul de celalalt

    Correct Answer
    A. PIB-ul real si nivelul preturilor in mod independent unul de celalalt
    Explanation
    The correct answer is "PIB-ul real si nivelul preturilor in mod independent unul de celalalt". This means that government agencies have the ability to influence both real GDP and price levels separately from each other. This suggests that they can use fiscal and/or monetary policy to stimulate economic growth and employment without causing inflation. In other words, they can increase real GDP without causing a significant increase in prices.

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  • 42. 

    Intarzierile de programare care trebuie prevazute si controlate daca se vrea ca managementul cererii agregate sa reprezinte o tehnica de stabilizare eficace sunt intarzierile dintre:

    • Inceputul unei probleme si recunoasterea acelei probleme

    • Recunoasterea problemei si actiunea de solutionare a acesteia

    • Actiunea de a solutiona problema si efectele ei asupra deciziilor privind cheltuielile si productia

    • Toate variantele de mai sus

    Correct Answer
    A. Toate variantele de mai sus
    Explanation
    The correct answer is "toate variantele de mai sus" (all of the above). This means that delays in all three stages mentioned (the beginning of a problem and its recognition, the recognition of the problem and the action to solve it, and the action to solve the problem and its effects on expenditure and production decisions) need to be anticipated and controlled for effective aggregate demand management.

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  • 43. 

    Sa presupunem ca putem aprecia nivelul inflatiei dintr-o tara pe sama unui cos de consum format din bunuri alimentare (cu o pondere in cos de 25%), bunuri industriale (cu o pondere de 35%) si servicii. Stiind ca rata cresterii preturilor bunurilor alimentare a fost de 6%, indicele de crestere a preturilor bunurilor industriale a fost de 109% si rata de crestere a tarifelor pentru servicii a fost de 3%, calculati rata inflatiei.

    • 105,85%

    • 6%

    • 58%

    • 5.8%

    Correct Answer
    A. 5.8%
    Explanation
    The correct answer is 5.8%. To calculate the inflation rate, we need to find the weighted average of the price increases for each category. The weight for food goods is 25%, industrial goods is 35%, and services is 40%. We multiply the price increase for each category by its respective weight and then sum them up. (6% * 0.25) + (9% * 0.35) + (3% * 0.4) = 1.5% + 3.15% + 1.2% = 5.85%. Therefore, the inflation rate is 5.8%.

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  • 44. 

    Un comerciant englez importa imprimante din Coreea de Sud, pentru care plateste producatorului coreean un pret de 250 USD/buc. Presupunem ca producatorul coreean asigura livrarea produselor pana la sediul importatorului, in timp ce taxa vamala pe care Marea Britanie o aplica importurilor de imprimante din Coreea de Sud este de 20%. In conditiile in care echivalentul in lire sterline a 50 USD/buc acopera cheltuielile de distributie a produsului pe piata, putem aprecia ca pretul minim la care comerciantul englez ar fi dispus sa vanda o imprimanta este egal cu echivalentul in lire sterline a:

    • 360 USD

    • 250 USD

    • 350 USD

    • 160 USD

    Correct Answer
    A. 350 USD
    Explanation
    The correct answer is 350 USD because the merchant pays 250 USD per printer to the Korean manufacturer. However, the UK applies a 20% import tax on printers from South Korea. To cover the distribution costs of the product in the market, the equivalent of 50 USD per printer in British pounds is needed. Therefore, the minimum price at which the English merchant would be willing to sell a printer is the sum of the manufacturer's price, the import tax, and the distribution cost, which is 250 USD + 20% of 250 USD + the equivalent of 50 USD in British pounds. This equals 350 USD.

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  • 45. 

    Echilibrul monetar reprezinta :

    • Un echilibru intre volumul depozitelor si cel al creditelor

    • Un echilibru intre cererea si oferta de bani,actiuni si obligatiuni

    • Un echilibru intre volumul creditelor acordate si numarul celor restituite

    • Un echilibru intre cererea si oferta de moneda

    Correct Answer
    A. Un echilibru intre cererea si oferta de moneda
    Explanation
    Echilibrul monetar reprezintă un echilibru între cererea și oferta de monedă. Acest lucru înseamnă că cantitatea de bani cerută de către economie este egală cu cantitatea de bani oferită de către bănci și instituțiile financiare. Dacă cererea de monedă este mai mare decât oferta, poate apărea inflația, iar dacă cererea este mai mică decât oferta, poate apărea deflația. Echilibrul monetar este important pentru menținerea stabilității economice și financiare.

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  • 46. 

    Inflatia permite unui numar mare de indivizi sa:

    • Sa economiseasca in vederea unui consum viitor

    • Sa consume mai mult decat au economisit

    • Sa isi procure bunurile dorite la preturi scazute

    • Contribuie la acumulare de capital

    Correct Answer
    A. Sa consume mai mult decat au economisit
    Explanation
    Inflatia permite unui numar mare de indivizi sa consume mai mult decat au economisit deoarece cresterea generala a preturilor reduce puterea de cumparare a banilor. Astfel, oamenii pot cheltui mai mult pentru a achizitiona aceleasi bunuri sau servicii, chiar daca nu au economisit suficient pentru a-si permite acest lucru. Inflatia poate duce la o scadere a valorii banilor economisiti, ceea ce ii determina pe oameni sa cheltuiasca mai mult pentru a evita pierderile de valoare.

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  • 47. 

    Fiecare dolar adunat la rezervele totale ale sistemului comercial bancar:

    • Obliga bancile sa isi reduca imprumuturile cu 1$

    • Permite bancilor sa isi extinda imprumuturile cu 1$

    • Obliga bancile sa isi reduca imprumuturile cu mai mult de 1$

    • Permite bancilor sa isi extinda imprumuturile cu mai mult de 1$

    Correct Answer
    A. Permite bancilor sa isi extinda imprumuturile cu mai mult de 1$
    Explanation
    Each dollar added to the total reserves of the banking system allows banks to expand their loans by more than $1.

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  • 48. 

    Cei mai vechi bani din hartie erau cei emisi de banca, tipariti cu ornamente pentru a impiedica falsificarea lor si:

    • Acceptati de catre stat la plata texelor

    • Sustinuti de garantii ale statului

    • Promiteau sa plateasca o suma anume de monede metalice la cerere

    • Utilizati pe scara larga in comertul international

    Correct Answer
    A. Promiteau sa plateasca o suma anume de monede metalice la cerere
    Explanation
    The correct answer is "promiteau sa plateasca o suma anume de monede metalice la cerere". This means that the oldest paper money issued by the bank promised to pay a specific amount of metallic coins upon request. This suggests that the paper money was backed by a guarantee of being exchanged for a certain amount of metal coins, providing a sense of security and value to the currency.

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  • 49. 

    Ati putea crea bani folosind aceleasi metode utilizate de bancile comerciale, daca ati putea:

    • Construi sau achizitiona o masina de tiparit suficient de performanta

    • Transforma metalele in monede

    • Obtine o autorizatie din partea guvernului pentru infiintarea unei institutii de emitere a banilor

    • Convinge oamenii sa utilizeze banii creati de voi ca mijloc de schimb

    Correct Answer
    A. Convinge oamenii sa utilizeze banii creati de voi ca mijloc de schimb
    Explanation
    The correct answer is "convinge oamenii sa utilizeze banii creati de voi ca mijloc de schimb" because even if you have the ability to print money, transform metals into coins, and obtain government authorization to establish a money issuing institution, it is ultimately the acceptance and usage of the money by people that determines its value and effectiveness as a medium of exchange. Without convincing people to use the money you create, it would have no value or utility in the economy.

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Quiz Review Timeline (Updated): Dec 1, 2023 +

Our quizzes are rigorously reviewed, monitored and continuously updated by our expert board to maintain accuracy, relevance, and timeliness.

  • Current Version
  • Dec 01, 2023
    Quiz Edited by
    ProProfs Editorial Team
  • Jun 13, 2019
    Quiz Created by
    Catherine Halcomb
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