Macroeconomie CAP.14-15 2016

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    La o rata a rezervei obligatorii de 15% ,o banca cu conturi curente de 100 milioane de dolari trebuie sa detina efectiv:

    • 25 milioane de dolari
    • 15 milioane de dolari
    • 100 milioane de dolari
    • 10 milioane de dolari
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Macroeconomie CAP.14-15 2016 - Quiz
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  • 2. 

    Recesiunile conduc la :

    • Incetiniri intentionate ale ritmului de crestere economica

    • Incetiniri neintentionate ale ritmului de crestere economica

    • Depasirea cresterii anterioare a rezultatelor economice totale

    Correct Answer
    A. Incetiniri neintentionate ale ritmului de crestere economica
    Explanation
    Recesiunile conduc la incetiniri neintentionate ale ritmului de crestere economica. Acest lucru se intampla deoarece recesiunile sunt perioade de declin economic, caracterizate de scaderea productiei, a investitiilor si a veniturilor. Aceasta incetinire a ritmului de crestere economica este neintentionata deoarece nu este dorita sau planificata de catre guverne sau companii, ci este rezultatul unor factori externi sau interni care afecteaza economia, cum ar fi crizele financiare, scaderea cererii sau instabilitatea politica.

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  • 3. 

    Recesiunile sunt rezultatul:

    • Angajarii unor investitii la costuri justificate de cerere

    • Unui sir de greseli comise de participantii la activitatea economica

    • Interpretarii corecte a semnalelor de pret furnizate de piata

    • Toate cele de mai sus

    Correct Answer
    A. Unui sir de greseli comise de participantii la activitatea economica
    Explanation
    The correct answer suggests that recessions are the result of a series of mistakes made by participants in economic activity. This implies that economic downturns are caused by errors in decision-making, such as poor investment choices or misjudgment of market signals. It indicates that recessions are not solely caused by justified investment costs, correct interpretation of market price signals, or a combination of all the above factors.

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  • 4. 

    Un dolar depus in sistemul bancar permite bancilor comerciale sa extinda masa monetara cu:

    • 1dolar

    • Mai mult de 1 dolar

    • Mai putin de 1 dolar

    Correct Answer
    A. Mai mult de 1 dolar
    Explanation
    When a dollar is deposited in the banking system, commercial banks are able to expand the money supply by creating more than one dollar. This is because of the fractional reserve banking system, where banks are only required to hold a fraction of the deposits as reserves and can lend out the rest. This process of lending and re-lending allows for the creation of new money in the form of loans, thereby increasing the overall money supply in the economy.

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  • 5. 

    Cresterea ratei rezervei obligatorii are ca efect:

    • Restrangerea masei monetare

    • Cresterea masei monetare

    • Nu are efect asupra masei monetare

    Correct Answer
    A. Restrangerea masei monetare
    Explanation
    When the reserve requirement rate is increased, it means that banks are required to hold a higher percentage of their deposits as reserves. This reduces the amount of money that banks can lend out, leading to a decrease in the money supply or the total amount of money in circulation. Therefore, the correct answer is "restrangerea masei monetare" which translates to "restriction of the money supply".

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  • 6. 

    Cresterea ratei dobanzii de referinta (ratei de scont) de catre Banca Centrala are ca efect:

    • Restrangerea masei monetare

    • Cresterea masei monetare

    • Nu are efect asupra masei monetare

    Correct Answer
    A. Restrangerea masei monetare
    Explanation
    When the central bank increases the reference interest rate (discount rate), it becomes more expensive for commercial banks to borrow money from the central bank. As a result, commercial banks will decrease their borrowing, leading to a decrease in the money supply in the economy. This decrease in the money supply is known as "restrangerea masei monetare" or the contraction of the money supply. Therefore, the correct answer is "restrangerea masei monetare".

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  • 7. 

    Achizitionarea de obligatiuni guvernamentale de catre Banca Centrala are ca efect:

    • Cresterea masei monetare

    • Restrangerea masei monetare

    • Nu are efect asupra masei monetare

    Correct Answer
    A. Cresterea masei monetare
    Explanation
    Achiziționarea de obligațiuni guvernamentale de către Banca Centrală are ca efect creșterea masei monetare. Prin achiziționarea acestor obligațiuni, Banca Centrală injectează bani în economie, ceea ce duce la creșterea masei monetare disponibile în circulație. Această creștere a masei monetare poate avea impact asupra inflației și a ratelor dobânzilor în economie.

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  • 8. 

    Relaxarea  conditiilor de creditare permite:

    • Restrangerea masei monetare

    • Cresterea masei monetare

    • Nu are efect asupra masei monetare

    Correct Answer
    A. Cresterea masei monetare
    Explanation
    The relaxation of credit conditions allows for an increase in the money supply. When credit conditions are relaxed, it becomes easier for individuals and businesses to borrow money from banks and other financial institutions. This increased borrowing leads to an increase in spending and investment, which in turn increases the money supply in the economy. Therefore, the relaxation of credit conditions has a positive effect on the money supply, allowing it to grow.

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  • 9. 

    La o rata a rezervei obligatorii de 15% ,o banca cu conturi curente de 100 milioane de dolari poate acorda credite in valoare de:

    • 25 milioane de dolari

    • 15 milioane de dolari

    • 100 milioane de dolari

    • 10 milioane de dolari

    • 85 milioane de dolari

    Correct Answer
    A. 85 milioane de dolari
    Explanation
    The correct answer is 85 million dollars. This is because the bank has a reserve requirement of 15%, which means it must keep 15% of its current account deposits as reserves. Therefore, it can lend out the remaining 85% of the deposits, which in this case is 85 million dollars.

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  • 10. 

    Daca aveti 1.000 lei sub forma de numerar si ii depuneti la banca intr-un cont de economii:

    • M1 si M2 cresc

    • M1 creste si M2 nu se modifica

    • M1 scade si M2 nu se modifica

    • M1 si M2 nu se modifica

    Correct Answer
    A. M1 scade si M2 nu se modifica
    Explanation
    When you deposit 1,000 lei in a savings account at the bank, M1 (the money supply in the form of cash and checking account deposits) decreases because the cash is no longer in circulation. However, M2 (the broader money supply that includes M1 plus savings deposits, money market mutual funds, and other time deposits) does not change because the funds are still within the banking system.

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  • 11. 

    Daca retrageti 500 lei dintr-un cont de economii:

    • M1 si M2 cresc

    • M1 creste si M2 nu se modifica

    • M1 scade si M2 nu se modifica

    • M1 si M2 nu se modifica

    Correct Answer
    A. M1 creste si M2 nu se modifica
    Explanation
    When you withdraw 500 lei from a savings account, M1 (the total amount of money in circulation, including cash and checking account deposits) increases because the cash you withdraw adds to the total amount of money in circulation. However, M2 (a broader measure of the money supply that includes M1 plus savings deposits, money market funds, and other time deposits) does not change because the withdrawal from the savings account is offset by the decrease in savings deposits.

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  • 12. 

    Daca luati un credit bancar de 10.000lei : 

    • M1 si M2 cresc

    • M1 creste si M2 nu se modifica

    • M1 scade si M2 nu se modifica

    • M1 si M2 nu se modifica

    Correct Answer
    A. M1 si M2 cresc
    Explanation
    If you take a bank loan of 10,000 lei, both M1 and M2 increase.

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