金融英語(yǔ)知到章節(jié)答案智慧樹2023年哈爾濱金融學(xué)院

金融英語(yǔ)知到章節(jié)測(cè)試答案智慧樹2023年最新哈爾濱金融學(xué)院緒論單元測(cè)試FinancialEnglishbelongsto“_______”,whichisakindofprofessionalEnglish.()

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EnglishforSpecificPurposeIt’sbettertostudythecoursein_______academicyear.()

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thethirdorthefourthEconomicglobalizationandfinancialintegrationareinevitabletendencies.（）

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對(duì)Thecoursecoversawiderangeinfinance,includingmoney,internationalfinance,financialmarket,commercialbanking,accounting,internationalsettlement,E-finance,insuranceandfinancialcrisis.（）

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對(duì)Tolearnthecoursewell,moreimportanceshouldbeattachedtothefinancialknowledgethanspecializedEnglishwordsandexpressions.（）

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錯(cuò)第一章測(cè)試Ariseofinterestrateswillcause（）

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adecreaseinborrowingandadecreaseincreditcreationWhichofthefollowingisnotoneofthefunctionsofmoney?()

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financialassetsWhatisthefactorthatledtotheinventionofmoney?()

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difficultiesandinefficiencyofthebartersystemIfthemoneysupplylagsbehindproduction,theeconomymaysufferfromwithequallyundesirableeffects.()

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deflationNarrowmoneyrefersto.()

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M0andM1Strictlyspeaking,moneyiscurrency.（）

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錯(cuò)Moneyistheuniqueforminwhichwealthcanbeheld.（）

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錯(cuò)Interestratesmoveinthesamedirectionwiththatofthestockindex.（）

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錯(cuò)Nominalinterestrateisunadjustedforinflation.（）

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對(duì)Raisingthereserverequirementratiowillreleaseliquidity.（）

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錯(cuò)第二章測(cè)試Basedonthedataof2019,thebiggestgeographictradingcenterforforeignexchangeisprimarily_______.（）

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London_______isthedateonwhichthemoneymustbepaidtothepartiesinvolvedinspottransaction.（）

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ThevaluedateSupposeasmallChinesefirmsoldsomegoodstoaJapanesefirm,anditwillreceivepaymentof1millionyenin60days.Whichofthefollowingstatementisright?（）

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TheChinesefirmcanenterintoaforwardcontracttosell1millionyenin60days.Swaptransactionsinvolvetwo_______inseparablecontractdeals,usuallythefirstforspotdelivery,andthesecondforfuturedelivery.（）

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simultaneousThe_______givesbuyertheright,butnottheobligation,tobuy(orsell)aspecifiedamountofonecurrencyforanotherataspecifiedpriceonaspecifieddate.（）

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optiontransactionForeignbanknotesarenotforeignexchangeinthenarrowersense.（）

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對(duì)Quotesusingacountry’shomecurrencyastheunitcurrencyareknownasdirectquotation.（）

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錯(cuò)Futurescontractscanbecustomizedtomeetparticularcustomerneeds.（）

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錯(cuò)Itisestimatedthatspeculationaccountsforonly10%ofthedailytradingactivityinforeignexchangemarket.（）

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錯(cuò)Opportunitiesforactualarbitrageinforeignexchangemarketarerare.（）

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對(duì)第三章測(cè)試Accordingtotheprincipleofthebalancedbalanceofpayments,ifacountryreducesitsforeignexchangereservesby$20millionandthestatisticaldiscrepancyisinthecreditentryof$5millioninagivenperiodoftime,thecountryruns_____ofitsbalanceofpaymentsduringthatperiodoftime.（）

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$25milliondeficitsIntermsofbalance-of-paymentsaccount,whichofthefollowingwouldberecordedasadebitentryintheU.S.BOP?()

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nullThebalanceofpaymentsisastatisticalrecordwhichmeasuresthetotalvalueof__.()

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alleconomicandfinancialtransactionsbetweentheresidentsandnon-residentsforagivenperiodoftimeThetradedeficitmeansthat___.()

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residentsareimportingmoregoodsthantheyareexportingIntheshort-term,abalanceofpaymentssurplusboostseconomicgrowth.()

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對(duì)Balanceofpayments()

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isdefinedasthestatisticalrecordofacountry’sinternationaltransactionsoveracertainperiodoftimepresentedintheformofadouble-entrybookkeeping;canbeusedtoevaluatetheperformanceofacountryininternationaleconomiccompetition;providesdetailedinformationconcerningthedemandandsupplyofacountry’scurrencyAcountry’sinternationaltransactionscanbegroupedinto_______threemaintypes.()

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currentaccount;officialreserveaccount;capitalaccountSincethebalanceofpaymentsispresentedasasystemofdouble-entrybookkeeping,__.()

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everycreditintheaccountisbalancedbyamatchingdebit;everytransactionmustberecordedtwice;everydebitintheaccountisbalancedbyamatchingcreditThetransactionaU.S.embassyinBeijingpayssalariestoitsAmericanstaffsisincludedinChina’sbalance-of-paymentsaccount.()

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錯(cuò)Thedemandforacountry’sexportsimpactsthevalueofitscurrency.()

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對(duì)第四章測(cè)試Whywouldacompanyissuecommercialpaper?()

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Tofinanceshorttermthings.Eurocurrencydepositsare().

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heldbybanksinonecountryinthecurrencyofanotherWhatisamajoradvantageofmoneymarketinstruments?()

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Allareright.Borrowersobtainfundsfromlendersbysellingtolendersnewlyissuedclaimsinthefinancialmarkets,eg.stockmarketorbondmarket,andwecallthisway().

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directfinanceTheinstrumentstradedinmoneymarketshavesomecommonfeatures,including().

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short-termmaturities;moreliquidandsafer;largedenominations;lowdefaultriskandlowyieldsOntheinternationallevel,therearetwopillarsunderpinningtheRMBinternationalization,theyare().

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China’sgoldreservesandforeignexchangereserves;thecreditworthinessofChinaastheworld’ssecond-largesteconomyBasedonthematurityofthesecuritiestradedinthemarket,financialmarketscanbeclassifiedintoprimarymarketandsecondarymarket.（）

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錯(cuò)T-billsareshort-termsecuritiesthatmatureinoneyearorlessfromtheirissuedate.（）

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對(duì)CDsofferaslightlyloweryieldthanT-billsbecausethebank’sdefaultriskislower.（）

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錯(cuò)Reposareshort-termcollateralizedloansusedbysecuritiesdealersandothermarketparticipantsasasourceoflowcostfinancingmethod.（）

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對(duì)第五章測(cè)試Animportantfinancialinstitutionthatassistsintheinitialsaleofsecuritiesintheprimarymarketisthe().

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investmentbankTheNewYorkStockExchangeisthemostimportantexampleofa()financialmarket.

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secondaryCapitalmarketsaremorefrequentlyusedfor()assets,whicharethosewithmaturitiesofgreaterthanoneyear.

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long-termWhenacompanyissuespublicstocknewlytoinvestorsthroughunderwritingbyinvestmentbankers,thissaleiscalled().

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aninitialpublicofferingThefinancialinstrumentsusedincapitalmarketsinclude(),buttheinstrumentsusedinthemoneymarketsincludedeposits,T-billsandbillsofexchange.

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bonds;stocksPrivateplacementhasadvantagesoverotherequityfinancingmethods,including().

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reducedcost;theabilitytoremainaprivatecompany.;lessburdensomeregulatoryrequirements;reducedtimePublicofferingisalsocalleddirectissuingassecuritiesarenotissuedthroughintermediaries.（）

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錯(cuò)Anorganizedsecuritiesexchangeisalocationwithatradingfloorwhereallofthetradingtakesplaceundertherulesformulatedbytheexchange.（）

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對(duì)AnIPOisabigstepforacompany.Itprovidesthecompanywithaccesstoraisingalotofmoney.Thisgivesthecompanyagreaterabilitytogrowandexpand.（）

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對(duì)Anistheissuanceofadditionalsharesofstockaftertheissuingcompanyhasalreadyhadafollow-onoffering.（）

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錯(cuò)第六章測(cè)試Astockholder（）.

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earnsareturnfromstockpriceincreaseordividendsThatastockholderhastherightofaresidualclaimantmeans（）.

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stockholdershaveaclaimonassetsorincomeleftoverafterallotherclaimantsaresatisfiedStocks（）.

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havenomaturityInageneralsensethetermnegotiablesecuritiesisapplicabletomanyformsofnegotiableinstrumentsincludingchecks,billsofexchange,andbillsofladingandsoon.（）

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對(duì)Anequityholderisaresidualclaimantbecausetheyhavenorighttothemanagementandprofitofthecompany.（）

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錯(cuò)Preferredstockisaspecialequitysecuritythathaspropertiesofbothanequityandadebtinstrumentandisgenerallyconsideredahybridinstrument.（）

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對(duì)Acallablepreferredstockmeansthattheholderhastherighttosellthestockbacktotheissueratacertainprice.（）

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錯(cuò)Thepotentialprofitsfromowningcommonstockscomeprimarilyintwoforms:dividendsandcapitalgainswhenthestockpricerises.（）

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對(duì)Zerocouponbondsdonotpayinterestuntiltheendofthematuritydate.（）

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錯(cuò)Floating-ratebondsareriskierthanfixedratebondsespeciallywheninflationrateishigh.（）

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錯(cuò)第七章測(cè)試Themainassetonabankbalancesheetis.()

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loansandoverdraftsisalsocalledbridgeloan.()

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Non-installmentloanInadditiontofinancingtheagricultural,commercialandindustrialactivitiesofthenation,commercialbanksfacilitateconsumptionbymakingloans.()

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consumerarenotconfinedtobuyorbuildrealestate.()

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HomeequityloansUnderfive-categoryloanclassification,haspotentialweaknessesthatdeservemanagement’scloseattention.()

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specialmentionThecurrentratioprovidesamoreconservativemeasureofaggregateliquiditythanquickratio.（）

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錯(cuò)EquityMultipliermeasuresthedegreeoffinancialleverageemployed.Thegreateristhedegreeofleverage,thegreaterarethereturnsorriskstoshareholders.（）

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對(duì)Non-mortgageconsumerloansareusuallyusedtofinancethepurchaseofdurablegoods.（）

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對(duì)Collateralisthelender’sprimarysourceofrepaymentorsecurityinthecaseofdefault.（）

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錯(cuò)Pricingofinterestrateofinternationalsyndicatedloanisbasicallythefederalfundsrateplusaspread.（）

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錯(cuò)第八章測(cè)試___________,whichdescribesasituationwheremarketparticipationisaffectedbyasymmetricinformation,affectstheabilityofmarketstoallocatecreditbypricesbecauseitremovesthelower-riskborrowersfromthesetofpotentialborrower.()

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AdverseselectionTheeffectofasymmetricinformationcanbeseenclearlyin“___________”,whichisproposedandillustratedbytheeconomist.()

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theMarketforLemons___________referstothetendencytochangeone’sbehavior,forexample,totakemorerisks,becausesomeoneelsebearsthecostofthoserisks.()

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MoralhazardThecreditscoringmodelforsmallbusinessesisbasedon_________,justlikethecreditscoringfortheissueofacreditcardwithsimpleprocedures.()

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consumerloansCreditscoringismore_________thanhumanloanofficers.Iteliminatesvariationsinriskassessmentamongloanofficers,andbyasingleofficerovertime.()

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objectiveDifferentindustrieshavedifferentstandardstodefinesmallbusinesses.（）

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對(duì)Theproblemofasymmetricalinformationarisesbecausebuyersandsellersdon’thaveequalamountsofinformationrequiredtomakeaninformeddecisionregardingatransaction.（）

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對(duì)Akerlofsuggestedthattheproblemofadverseselectiondistortedthemarket,leadingtohigherpricesbutloweraveragequalityofthegoods.（）

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錯(cuò)Moralhazardoccurspriortoadealbetweenabuyerandaseller,whileadverseselectionmayappearafterthedealismade.（）

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錯(cuò)Insmallbusinesslending,adverseselectionarisesfromthebank’sinabilitytodistinguishbetweenhigh-riskandlow-riskborrowers.（）

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對(duì)第九章測(cè)試Becausethetitletotheleasedpropertyhasnotbeentransferred,acapitalleaseisnotregardedinessenceasequivalenttoasaleofthepropertyfromthelessortothelessee.（）

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錯(cuò)Inaleasingcontract,thelessorstillremainstheownership,whilethelesseeobtainstherighttousetheasset.（）

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對(duì)Insimpleterms,factoringisthepurchaseofclaims,arisingfromsalesofgoods,byaspecializedcompanyknownasfactoringcompanyorfactor.（）

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對(duì)Thefactoractsastheclient’screditdepartmenttoevaluatetheimporter’screditstandingtodetermineacreditlineforhisclient’scustomersothathecanexercisethefunctionofpre-approvingordersaftershipment.（）

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錯(cuò)Forfeitingisthetermgenerallyusedtodenotethepurchaseofobligationsfallingdueatsomefuturedate,arisingfromdeliveriesofgoodsandservices-mostlyexporttransactions-withrecoursetoanypreviousholderoftheobligation.（）

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錯(cuò)Onceyouestablishanirrevocabletrust,youcannotchangeormodifyitinanyway.（）

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對(duì)Inanoperatinglease,thelessorprovidesmaintenanceatadditionalleasecostwhichwillbebornebythelessee.（）

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錯(cuò)Financialleaseissometimescalledcapitalleaseandisusually（）.

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longtermForfeitingprovides（）financingofthevalueofexport.

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100%Inafactoring,thesellergetsaccesstofinancelinkedtohis（）

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currentlevelsofbusiness第十章測(cè)試The___principlemeansthatwecanexpresstransactionsandeventsinmonetaryunits.（）

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monetaryunitAssetsaccountsnormallyhavedebitbalances.Theseaccountsincreaseonthe___sideanddecreaseonthe___side.()

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debitcreditFinancialstatementdoesnotinclude().

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workingsheetListedbelowaresomecharacteristicsoffinancialinformation.(1)True(2)Prudence(3)Completeness(4)CorrectWhichofthesecharacteristicscontributetoreliability?()

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(1),(3)and(4)onlyWhichofthefollowingisnotanasset?()

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AccrualsandotherprovisionsCompanyABCpaid$18000atthebeginningofyear2006incashforofficerentalfromJan.

2006toJune2007,howmuchoftherentalshouldbebookedascostforyear2006?()

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$12000Accountingisasetofconceptsandtechniquesthatareusedtomeasureandreportfinancialinformationaboutalegalentity.()

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錯(cuò)Whenacompanyreceived$1.000cashfromitsclient,thecompany’scashisincreased;torecordthisincrease,debitCash.()

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對(duì)Balancesheetisastatusreport.()

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對(duì)Netsalesequalsalesminussalesreturnsandsalesdiscount.()

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錯(cuò)第十一章測(cè)試Whichoneisnotthepartyforasightdraft?()

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acceptorIfthedrawingamountofthechequeexceedstheamountdepositedintheaccount,thiskindofcheckiscalled()

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bouncedcheckUndertheO/A，whichoneisnotcorrect？()

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Thesellergetsthepaymentfirstanddeliversthegoodslater.Whichoneisafinancialdocumentexcept()

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InvoiceIssueofadraftcomprisestwoacts()

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deliver;writeandsignBasedonmeansoftransferringfunds,aremittanceusuallyfallsinto:()

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MailTransfer(M/T);TelegraphicTransfer(T/T);DemandDraft(D/Undercollection,whichofthefollowingarecorrect?()

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IftheinstructionsareD/Patsight,theimporter’sbankwillreleasethedocumentstotheimporteronlyagainstpayment.;D/PismorefavorablethanD/Atotheseller.Themakerofapromissorynotecanbemorethanoneperson.（）

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對(duì)Theobligorofachequeisthedraweeratherthanotherparties.（）

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錯(cuò)Ifthedraftindicates“pay…Co.

ororder”,itcanbenegotiable.（）

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對(duì)第十二章測(cè)試“Weherebyagreewiththebeneficiarythatalldraftdrawnunderand/ordocumentspresentedhereunderwillbedulyhonoredbyusprovidedthetermsandconditionsoftheCreditarecompliedwith…”.Intheclause,“we”are()

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issuingbankTheword“thiscreditisnotrestrictedtoanybankfornegotiation”or“thiscreditmaybenegotiatedatanybank”,orsimilarwords,maybeindicatedon()

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freenegotiationL/CWhichoneisnotcorrectfortransferablecreditandback-to-backcredit?()

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Twocreditsareinvolvedintransferablecreditwhileoneletterofcreditisinvolvedinback-to-backcredit.Reciprocalcreditsarenotsuitablein()

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generaltradeWhoappliesfortheopeningorissuingofacreditinaccordancewiththesalescontract.()

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Buyer;ImporterStandbyL/Cisalsocalled()

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performanceL/C;commercialpaperL/C;guaranteeL/CIftherevolvingcreditisstatedtobe“cumulative”,thespecificmethodscanbeformulatedinthefollowingways:()

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automaticRevolvingL/C;semi-automaticRevolvingL/C;non-automaticRevolvingL/CTheadvisingbankintheseller’scountrycanbetheconfirmingbankandadditsconfirmationtotheL/C.()

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對(duì)Adraftisrequiredfordeferredcredit.()

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錯(cuò)IftheexportersfindthatitisdifficulttofulfillsomeprovisionsinL/Cwhentheyreviewthem,theycandirectlyrequesttheissuingbanktomodifyL/C.()

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錯(cuò)第十三章測(cè)試()referstoloans,investmentsandotherfinancialservicesprovidedthroughonlinechannelsratherthanthroughbanksandotherfinancialinstitutions.

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InternetfinanceAlipayaccountholdercanbuyintothemoneyfundwithaminimuminvestmentofoneyuanandredeemtheirfundholding()topayforonlinepurchases.

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atanytimeThethird-partypaymentplatformplaystheroleasanintermediaryto().

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eliminatethedistrustoftradingparties;reducethecostofbankingservicesAlipayusersareentitledtodirectlyinvestcashfromtheiraccountintoamoneymarketfundmanagedbyTianhongAssetManagementCo.

with().

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higherreturns;moreflexibilityTheguidelinesshoulddecreasethenegativeeffectsofillegalnetworktransactions,protectthelegitimaterightsofinvestorsandencouragefaircompetition.（）

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對(duì)Thetermonlinebankingisusedtodescribesupplyingbankingservicesthroughelectronicintermediariesorelectronicallybasedchannels.（）

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錯(cuò)E-bankingcanincreaseChinesefinancialinstitutions’abilitytoretainandexpandtheirexistingcustomerbase.（）

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對(duì)Itshouldbenotedthatelectronicbankingisaplatform,whichonlyincludethebankingservicesprovidedviaInternet.（）

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錯(cuò)Telephonebankingpermitscustomerstogetaccessintotheirrespectivebankinginformation12hoursaday.（）

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錯(cuò)FromJuly1,2018,allpaymenttransactionshandledbythird-partyprovidersneedtogothroughtheOnlineSettlementPlatformforNon-BankPaymentInstitutions,enablingbetterregulationandtrackingofcapitalflowswithinthecountry.（）

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對(duì)第十四章測(cè)試________willreceiveproceedsfromaninsurancecompanytooffsettheincomelostasaresultoftheinsured’sdeath.()

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ThebeneficiaryAccordingto,theinsuredmaynotcollectmorethantheactuallossintheeventofdamagecausedbyaninsuredperil.()

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PrincipleofIndemnityUndertheprincipleofsubrogationonewhohasindemnifiedanother’slossisentitledtorecoveryfrom.()

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anyliablethirdpartieswhoareresponsible______isaformofinsurancethatpaysmonetaryproceedsuponthedeathoftheinsuredcoveredinthepolicy.()

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LifeinsuranceDisabilityincomeinsuranceandmedicalexpenseinsurancefallintothecategoryof______.()

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healthinsuranceHealthinsurancecoversmedicalbillsincurredbecauseofbothsicknessandinjury.（）

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錯(cuò)Endowmentpoliciesaregenerallyequivalenttoterminsuranceplusalump-sumbenefitpaidonsurvival.（