Commercial Loan Quiz Questions and Answers

Article by Stephen Bush

While the following discussion is not intended to be a complete examination of small business loans, it is designed to reveal potential lending difficulties to small business owners before it is too late to take appropriate action. The brief business financing quiz shown below illustrates one way to explain the recent lack of adequate commercial real estate loans and working capital funding by banks to small businesses.

Do phantom business loans refer to commercial financing that lenders say is available but in fact is not?

Yes, and the term is influenced by technology firms when they talked about products often called phantom software when they were trying to discourage customers from purchasing a competitive product even though the company that made the announcement did not have such an item actually available. Because there were so many documented instances in which the phantom software never materialized beyond a press release, the practice was usually viewed as controversial. The world of small business lending has now apparently adopted this questionable public relations ploy.

Are there really any good banks still standing? After the financial bailout, are banks still failing?

Yes seems to be an appropriate answer to both questions. Telling the difference between good and bad banks is unfortunately not an easy task for innocent bystanders. It should be apparent that there is still a lending crisis that was not resolved by the bailout because (among other objective indicators) there continue to be ongoing weekly reports from the Federal Deposit Insurance Corporation about bank failures. The rest of us can still draw our own conclusions even though bankers and politicians do not want to talk openly about this situation.

After they were given taxpayer funding by the financial bailout in 2008, are banks required to provide small business lending?

No, although it is a mystery to almost everyone (except for the bankers themselves) that there were not such conditions placed upon the banks when they were saved from financial collapse by taxpayer funds. Because the assets are considered to be what is known as fungible, the recipients can effectively do what they want with the money. This seems like a term invented just for such an occasion. As used for banking purposes it is not possible to say what happened to the money given to the banks because the monetary assets are interchangeable with other funds. Most banks saved from financial collapse now appear to be investing a significant portion in what most observers consider to be risky areas similar to what got them into trouble at the beginning of this crisis, and in any case there were no restrictive conditions which would require banks to provide any particular amount of commercial loans.

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13. Which of the following gases has the lowest density at STP?

Methane, CH4
Argon
Fluorine
Nitrogen
Ozone, O3

14. A glass of water contains 4.22 mol of water molecules. How many H2O molecules are present in the glass? (in scientific notation)

15. Calcium reacts with water to form calcium hydroxide and hydrogen. In the balanced equation for this reaction, what is the coefficient of hydrogen?

16. Calculate deltaU for a system that loses 225kJ of heat and has 150kJ of work done on the system.

17. How many grams of copper are required to produce 25.0 grams of copper(I) oxide?

25. If the absolute temp of a fixed amount of gas is doubled at constant pressure, then the volume doubles…True or False?

Best answer:

Answer by Yvve
14: 4.22 x 6.022e+23=2,541284e+24

15: Ca + 2H2O = Ca(OH)2 + 2H

17: 4Cu(|) + O2 = 2Cu(|)2O
25g/143.09g/mol = 0,175 mol
0,175 mol x 2 = 0,349 mol of copper
0,349 mol x 63.546 g/mol = 22,2 g

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