金融英語智慧樹知到課后章節(jié)答案2023年下哈爾濱金融學(xué)院

金融英語智慧樹知到課后章節(jié)答案2023年下哈爾濱金融學(xué)院哈爾濱金融學(xué)院

緒論單元測試

FinancialEnglishbelongsto“_______”,whichisakindofprofessionalEnglish.()

A:EnglishforAcademicPurposes

B:EnglishforGeneralPurpose

C:EnglishforSpecificPurpose

D:EnglishforEverydayLife

答案:EnglishforSpecificPurpose

It’sbettertostudythecoursein_______academicyear.()

A:thethirdorthefourth

B:thesecondorthefourth

C:thefirstorthesecond

D:thesecondorthethird

答案:thethirdorthefourth

Economicglobalizationandfinancialintegrationareinevitabletendencies.（）

A:錯(cuò)B:對

答案:對

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

A:錯(cuò)B:對

答案:對

Tolearnthecoursewell,moreimportanceshouldbeattachedtothefinancialknowledgethanspecializedEnglishwordsandexpressions.（）

A:錯(cuò)B:對

答案:錯(cuò)

第一章測試

Ariseofinterestrateswillcause（）

A:adecreaseinborrowingandadecreaseincreditcreation

B:adecreaseinborrowingandanincreaseincreditcreation

C:anincreaseinborrowingandanincreaseincreditcreation

D:anincreaseinborrowingandaslowing-downofcreditcreation

答案:adecreaseinborrowingandadecreaseincreditcreation

Whichofthefollowingisnotoneofthefunctionsofmoney?()

A:storeofvalue

B:financialassets

C:mediumofexchange

D:standardforpayment

答案:financialassets

Whatisthefactorthatledtotheinventionofmoney?()

A:difficultiesandinefficiencyofthebartersystem

B:doublecoincidenceofwants

C:marketplaces

D:rateofexchange

答案:difficultiesandinefficiencyofthebartersystem

Ifthemoneysupplylagsbehindproduction,theeconomymaysufferfromwithequallyundesirableeffects.()

A:crisis

B:deflationC:inflation

D:debt

答案:deflation

Narrowmoneyrefersto.()

A:M1andM2B:M2

C:M0andM1

D:M0

答案:M0andM1

Strictlyspeaking,moneyiscurrency.（）

A:對B:錯(cuò)

答案:錯(cuò)

Moneyistheuniqueforminwhichwealthcanbeheld.（）

A:對B:錯(cuò)

答案:錯(cuò)

Interestratesmoveinthesamedirectionwiththatofthestockindex.（）

A:對B:錯(cuò)

答案:錯(cuò)

Nominalinterestrateisunadjustedforinflation.（）

A:錯(cuò)B:對

答案:對

Raisingthereserverequirementratiowillreleaseliquidity.（）

A:對B:錯(cuò)

答案:錯(cuò)

第二章測試

Basedonthedataof2019,thebiggestgeographictradingcenterforforeignexchangeisprimarily_______.（）

A:Tokyo

B:Shanghai

C:London

D:NewYork

答案:London

_______isthedateonwhichthemoneymustbepaidtothepartiesinvolvedinspottransaction.（）

A:Theworkingday

B:Thedealdate

C:Thevaluedate

D:Thebusinessday

答案:Thevaluedate

SupposeasmallChinesefirmsoldsomegoodstoaJapanesefirm,anditwillreceivepaymentof1millionyenin60days.Whichofthefollowingstatementisright?（）

A:Theexchangerateriskislowerinashortperiod,sothereisnoneedfortheexportertohedgetherisks.

B:Iftheyendepreciatesin60days,thefirmwillreceivemoreyuan.

C:TheChinesefirmhasaliabilitypositioninyen-shortpositioninyen.

D:TheChinesefirmcanenterintoaforwardcontracttosell1millionyenin60days.

答案:TheChinesefirmcanenterintoaforwardcontracttosell1millionyenin60days.

Swaptransactionsinvolvetwo_______inseparablecontractdeals,usuallythefirstforspotdelivery,andthesecondforfuturedelivery.（）

A:successive

B:simultaneous

C:consistent

D:corresponding

答案:simultaneous

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

A:swaptransaction

B:optiontransaction

C:forwardtransaction

D:futurestransaction

答案:optiontransaction

Foreignbanknotesarenotforeignexchangeinthenarrowersense.（）

A:錯(cuò)B:對

答案:對

Quotesusingacountry’shomecurrencyastheunitcurrencyareknownasdirectquotation.（）

A:對B:錯(cuò)

答案:錯(cuò)

Futurescontractscanbecustomizedtomeetparticularcustomerneeds.（）

A:錯(cuò)B:對

答案:錯(cuò)

Itisestimatedthatspeculationaccountsforonly10%ofthedailytradingactivityinforeignexchangemarket.（）

A:對B:錯(cuò)

答案:錯(cuò)

Opportunitiesforactualarbitrageinforeignexchangemarketarerare.（）

A:對B:錯(cuò)

答案:對

第三章測試

Accordingtotheprincipleofthebalancedbalanceofpayments,ifacountryreducesitsforeignexchangereservesby$20millionandthestatisticaldiscrepancyisinthecreditentryof$5millioninagivenperiodoftime,thecountryruns_____ofitsbalanceofpaymentsduringthatperiodoftime.（）

A:$15milliondeficits

B:$5milliondeficits

C:$25milliondeficits

D:$20milliondeficits

答案:$25milliondeficits

Thebalanceofpaymentsisastatisticalrecordwhichmeasuresthetotalvalueof__.()

A:alleconomicandfinancialtransactionsbetweentheresidentsandnon-residentsforagivenperiodoftime

B:acountry’scapitalinflowsandoutflowsataparticulardateinagivenyear

C:acountry’sforeigntradesbetweentheresidentsofacountryanditsnon-residentsforagivenperiodoftime

D:acountry’sforeignexchangereservesinacertainperiodoftime

答案:alleconomicandfinancialtransactionsbetweentheresidentsandnon-residentsforagivenperiodoftime

Thetradedeficitmeansthat___.()

A:residentsareimportingmoregoodsthantheyareexporting

B:residentsareproducingmoregoodsthantheyareconsuming

C:residentsarereceivingmorepaymentsthantheyaremaking

D:residentsareborrowingmorefundsthantheyarelending

答案:residentsareimportingmoregoodsthantheyareexporting

Intheshort-term,abalanceofpaymentssurplusboostseconomicgrowth.()

A:錯(cuò)B:對

答案:對

Balanceofpayments()

A:canbeusedtoevaluatetheperformanceofacountryininternationaleconomiccompetition

B:isdefinedasthestatisticalrecordofacountry’sinternationaltransactionsoveracertainperiodoftimepresentedintheformofadouble-entrybookkeeping

C:isacountry’scapitalinflowsandoutflowsataparticulardateinagivenyear

D:providesdetailedinformationconcerningthedemandandsupplyofacountry’scurrency

答案:canbeusedtoevaluatetheperformanceofacountryininternationaleconomiccompetition

;isdefinedasthestatisticalrecordofacountry’sinternationaltransactionsoveracertainperiodoftimepresentedintheformofadouble-entrybookkeeping

;providesdetailedinformationconcerningthedemandandsupplyofacountry’scurrency

Acountry’sinternationaltransactionscanbegroupedinto_______threemaintypes.()

A:mediumtermaccount

B:currentaccount

C:capitalaccount

D:officialreserveaccount

答案:currentaccount

;capitalaccount

;officialreserveaccount

Sincethebalanceofpaymentsispresentedasasystemofdouble-entrybookkeeping,__.()

A:Noneoftheabove

B:everycreditintheaccountisbalancedbyamatchingdebit

C:everytransactionmustberecordedtwice

D:everydebitintheaccountisbalancedbyamatchingcredit

答案:everycreditintheaccountisbalancedbyamatchingdebit

;everytransactionmustberecordedtwice

;everydebitintheaccountisbalancedbyamatchingcredit

ThetransactionaU.S.embassyinBeijingpayssalariestoitsAmericanstaffsisincludedinChina’sbalance-of-paymentsaccount.()

A:錯(cuò)B:對

答案:錯(cuò)

Thedemandforacountry’sexportsimpactsthevalueofitscurrency.()

A:錯(cuò)B:對

答案:對

第四章測試

Whywouldacompanyissuecommercialpaper?()

A:Becausetheycanessentiallyprintmoney.

B:Tofinancelargeprojectsandexpansions.

C:Tofinanceshorttermthings.

D:Allareright.

答案:Tofinanceshorttermthings.

Eurocurrencydepositsare().

A:bankdepositsindollars

B:heldbybanksinonecountryinthecurrencyofanother

C:bankdepositsdesignatedinthecommoncurrencyoftheEuropeanCommunity

D:heldbybanksinLondononly

答案:heldbybanksinonecountryinthecurrencyofanother

Whatisamajoradvantageofmoneymarketinstruments?()

A:Mostinstrumentsoffergoodliquidity.

B:Theyhavehigherreturnsthanmostsavingsaccounts.

C:Allareright.

D:Theyarerelativelylowrisk.

答案:Allareright.

Borrowersobtainfundsfromlendersbysellingtolendersnewlyissuedclaimsinthefinancialmarkets,eg.stockmarketorbondmarket,andwecallthisway().

A:financialinstrument

B:financialmarket

C:indirectfinance

D:directfinance

答案:directfinance

Theinstrumentstradedinmoneymarketshavesomecommonfeatures,including().

A:largedenominations

B:lowdefaultriskandlowyields

C:moreliquidandsafer

D:short-termmaturities

答案:largedenominations

;lowdefaultriskandlowyields

;moreliquidandsafer

;short-termmaturities

Ontheinternationallevel,therearetwopillarsunderpinningtheRMBinternationalization,theyare().

A:China’sgoldreservesandforeignexchangereserves

B:China’sproducts

C:thecreditworthinessofChinaastheworld’ssecond-largesteconomy

D:China’smarkets

答案:China’sgoldreservesandforeignexchangereserves

;thecreditworthinessofChinaastheworld’ssecond-largesteconomy

Basedonthematurityofthesecuritiestradedinthemarket,financialmarketscanbeclassifiedintoprimarymarketandsecondarymarket.（）

A:錯(cuò)B:對

答案:錯(cuò)

T-billsareshort-termsecuritiesthatmatureinoneyearorlessfromtheirissuedate.（）

A:對B:錯(cuò)

答案:對

CDsofferaslightlyloweryieldthanT-billsbecausethebank’sdefaultriskislower.（）

A:對B:錯(cuò)

答案:錯(cuò)

Reposareshort-termcollateralizedloansusedbysecuritiesdealersandothermarketparticipantsasasourceoflowcostfinancingmethod.（）

A:對B:錯(cuò)

答案:對

第五章測試

Animportantfinancialinstitutionthatassistsintheinitialsaleofsecuritiesintheprimarymarketisthe().

A:joint-equitybank

B:centralbank

C:investmentbank

D:commercialbank

答案:investmentbank

TheNewYorkStockExchangeisthemostimportantexampleofa()financialmarket.

A:first

B:primary

C:second

D:secondary

答案:secondary

Capitalmarketsaremorefrequentlyusedfor()assets,whicharethosewithmaturitiesofgreaterthanoneyear.

A:long-term

B:short-term

C:medium-term

D:medium-andlong-term

答案:long-term

Whenacompanyissuespublicstocknewlytoinvestorsthroughunderwritingbyinvestmentbankers,thissaleiscalled().

A:aprivateplacement

B:alisting

C:afollow-onoffering

D:aninitialpublicoffering

答案:aninitialpublicoffering

Thefinancialinstrumentsusedincapitalmarketsinclude(),buttheinstrumentsusedinthemoneymarketsincludedeposits,T-billsandbillsofexchange.

A:repos

B:bonds

C:stocks

D:commercialpapers

答案:bonds

;stocks

Privateplacementhasadvantagesoverotherequityfinancingmethods,including().

A:reducedtime

B:lessburdensomeregulatoryrequirements

C:theabilitytoremainaprivatecompany.

D:reducedcost

答案:reducedtime

;lessburdensomeregulatoryrequirements

;theabilitytoremainaprivatecompany.

;reducedcost

Publicofferingisalsocalleddirectissuingassecuritiesarenotissuedthroughintermediaries.（）

A:錯(cuò)B:對

答案:錯(cuò)

Anorganizedsecuritiesexchangeisalocationwithatradingfloorwhereallofthetradingtakesplaceundertherulesformulatedbytheexchange.（）

A:對B:錯(cuò)

答案:對

AnIPOisabigstepforacompany.Itprovidesthecompanywithaccesstoraisingalotofmoney.Thisgivesthecompanyagreaterabilitytogrowandexpand.（）

A:對B:錯(cuò)

答案:對

Anistheissuanceofadditionalsharesofstockaftertheissuingcompanyhasalreadyhadafollow-onoffering.（）

A:對B:錯(cuò)

答案:錯(cuò)

第六章測試

Astockholder（）.

A:enjoysapriorityoverbondholderswhenthefirmisintrouble

B:earnsareturnfromstockpriceincreaseordividends

C:ownsapercentageinterestinafirmandthereforeisacreditorofthefirm

D:faceslessriskthanbondholderandthereforeismorelikelytomakeagreatdealofmoney

答案:earnsareturnfromstockpriceincreaseordividends

Thatastockholderhastherightofaresidualclaimantmeans（）.

A:stockholdershaveaclaimonassetsorincomeleftoverafterallotherclaimantsaresatisfied

B:alloftheabove

C:stockholdershaveaclaimonassetsbeforeallotherclaimantsaresatisfied

D:stockholdershavenoclaimonassetsleftoverafterallotherclaimantsaresatisfied

答案:stockholdershaveaclaimonassetsorincomeleftoverafterallotherclaimantsaresatisfied

Stocks（）.

A:havenomaturity

B:guaranteetheirholders’interestwhenthefirmisintrouble

C:enabletheirholderstogetrichevenifthefirmdoesnotdowell

D:havealongermaturitythanbonds

答案:havenomaturity

Inageneralsensethetermnegotiablesecuritiesisapplicabletomanyformsofnegotiableinstrumentsincludingchecks,billsofexchange,andbillsofladingandsoon.（）

A:錯(cuò)B:對

答案:對

Anequityholderisaresidualclaimantbecausetheyhavenorighttothemanagementandprofitofthecompany.（）

A:對B:錯(cuò)

答案:錯(cuò)

Preferredstockisaspecialequitysecuritythathaspropertiesofbothanequityandadebtinstrumentandisgenerallyconsideredahybridinstrument.（）

A:對B:錯(cuò)

答案:對

Acallablepreferredstockmeansthattheholderhastherighttosellthestockbacktotheissueratacertainprice.（）

A:對B:錯(cuò)

答案:錯(cuò)

Thepotentialprofitsfromowningcommonstockscomeprimarilyintwoforms:dividendsandcapitalgainswhenthestockpricerises.（）

A:錯(cuò)B:對

答案:對

Zerocouponbondsdonotpayinterestuntiltheendofthematuritydate.（）

A:對B:錯(cuò)

答案:錯(cuò)

Floating-ratebondsareriskierthanfixedratebondsespeciallywheninflationrateishigh.（）

A:錯(cuò)B:對

答案:錯(cuò)

第七章測試

Themainassetonabankbalancesheetis.()

A:deposits

B:cash

C:capitalandreserves

D:loansandoverdrafts

答案:loansandoverdrafts

isalsocalledbridgeloan.()

A:Amortizationloan

B:Short-termloan

C:Non-installmentloan

D:Creditcard

答案:Non-installmentloan

Inadditiontofinancingtheagricultural,commercialandindustrialactivitiesofthenation,commercialbanksfacilitateconsumptionbymakingloans.()

A:Fixed

B:consumption

C:short-term

D:consumer

答案:consumer

arenotconfinedtobuyorbuildrealestate.()

A:Residentialmortgageloans

B:Constructionanddevelopmentloans

C:Commercialrealestateloans

D:Homeequityloans

答案:Homeequityloans

Underfive-categoryloanclassification,haspotentialweaknessesthatdeservemanagement’scloseattention.()

A:doubtful

B:specialmention

C:substandard

D:Loss

答案:specialmention

Thecurrentratioprovidesamoreconservativemeasureofaggregateliquiditythanquickratio.（）

A:錯(cuò)B:對

答案:錯(cuò)

EquityMultipliermeasuresthedegreeoffinancialleverageemployed.Thegreateristhedegreeofleverage,thegreaterarethereturnsorriskstoshareholders.（）

A:對B:錯(cuò)

答案:對

Non-mortgageconsumerloansareusuallyusedtofinancethepurchaseofdurablegoods.（）

A:錯(cuò)B:對

答案:對

Collateralisthelender’sprimarysourceofrepaymentorsecurityinthecaseofdefault.（）

A:錯(cuò)B:對

答案:錯(cuò)

Pricingofinterestrateofinternationalsyndicatedloanisbasicallythefederalfundsrateplusaspread.（）

A:錯(cuò)B:對

答案:錯(cuò)

第八章測試

___________,whichdescribesasituationwheremarketparticipationisaffectedbyasymmetricinformation,affectstheabilityofmarketstoallocatecreditbypricesbecauseitremovesthelower-riskborrowersfromthesetofpotentialborrower.()

A:Adverseselection

B:Creditrationing

C:Moralhazard

D:Creditcrunch

答案:Adverseselection

Theeffectofasymmetricinformationcanbeseenclearlyin“___________”,whichisproposedandillustratedbytheeconomist.()

A:nichemarket

B:theMarketforLemons

C:thesecond-handmarket

D:massmarket

答案:theMarketforLemons

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

A:Creditcrunch

B:Moralhazard

C:Adverseselection

D:Creditrationing

答案:Moralhazard

Thecreditscoringmodelforsmallbusinessesisbasedon_________,justlikethecreditscoringfortheissueofacreditcardwithsimpleprocedures.()

A:projectloans

B:consortiumloans

C:consumerloans

D:exportcredit

答案:consumerloans

Creditscoringismore_________thanhumanloanofficers.Iteliminatesvariationsinriskassessmentamongloanofficers,andbyasingleofficerovertime.()

A:quantitative

B:objective

C:subjective

D:conductive

答案:objective

Differentindustrieshavedifferentstandardstodefinesmallbusinesses.（）

A:對B:錯(cuò)

答案:對

Theproblemofasymmetricalinformationarisesbecausebuyersandsellersdon’thaveequalamountsofinformationrequiredtomakeaninformeddecisionregardingatransaction.（）

A:對B:錯(cuò)

答案:對

Akerlofsuggestedthattheproblemofadverseselectiondistortedthemarket,leadingtohigherpricesbutloweraveragequalityofthegoods.（）

A:對B:錯(cuò)

答案:錯(cuò)

Moralhazardoccurspriortoadealbetweenabuyerandaseller,whileadverseselectionmayappearafterthedealismade.（）

A:錯(cuò)B:對

答案:錯(cuò)

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

A:錯(cuò)B:對

答案:對

第九章測試

Becausethetitletotheleasedpropertyhasnotbeentransferred,acapitalleaseisnotregardedinessenceasequivalenttoasaleofthepropertyfromthelessortothelessee.（）

A:對B:錯(cuò)

答案:錯(cuò)

Inaleasingcontract,thelessorstillremainstheownership,whilethelesseeobtainstherighttousetheasset.（）

A:對B:錯(cuò)

答案:對

Insimpleterms,factoringisthepurchaseofclaims,arisingfromsalesofgoods,byaspecializedcompanyknownasfactoringcompanyorfactor.（）

A:錯(cuò)B:對

答案:對

Thefactoractsastheclient'screditdepartmenttoevaluatetheimporter'screditstandingtodetermineacreditlineforhisclient'scustomersothathecanexercisethefunctionofpre-approvingordersaftershipment.（）

A:錯(cuò)B:對

答案:錯(cuò)

Forfeitingisthetermgenerallyusedtodenotethepurchaseofobligationsfallingdueatsomefuturedate,arisingfromdeliveriesofgoodsandservices-mostlyexporttransactions-withrecoursetoanypreviousholderoftheobligation.（）

A:錯(cuò)B:對

答案:錯(cuò)

Onceyouestablishanirrevocabletrust,youcannotchangeormodifyitinanyway.（）

A:對B:錯(cuò)

答案:對

Inanoperatinglease,thelessorprovidesmaintenanceatadditionalleasecostwhichwillbebornebythelessee.（）

A:錯(cuò)B:對

答案:錯(cuò)

Financialleaseissometimescalledcapitalleaseandisusually（）.

A:longterm

B:intermediateterm

C:shortterm

D:alloftheabove

答案:longterm

Forfeitingprovides（）financingofthevalueofexport.

A:90%

B:85%

C:80%

D:100%

答案:100%

Inafactoring,thesellergetsaccesstofinancelinkedtohis（）

A:currentlevelsofbusiness

B:salesprospects

C:historicbalancesheetratios

D:overdraftlimit

答案:currentlevelsofbusiness

第十章測試

The___principlemeansthatwecanexpresstransactionsandeventsinmonetaryunits.（）

A:going-concern

B:accountingentity

C:accountingperiod

D:monetaryunit

答案:monetaryunit

Assetsaccountsnormallyhavedebitbalances.Theseaccountsincreaseonthe___sideanddecreaseonthe___side.()

A:debitcredit

B:creditdebit

答案:debitcredit

Financialstatementdoesnotinclude().

A:cashflowstatement

B:balancesheet

C:workingsheet

D:incomestatement

答案:workingsheet

Listedbelowaresomecharacteristicsoffinancialinformation.

(1)True(2)Prudence(3)Completeness(4)Correct

Whichofthesecharacteristicscontributetoreliability?()

A:(1),(3)and(4)only

B:(1),(2)and(3)only

C:(1),(2)and(4)only

D:(2),(3)and(4)only

答案:(1),(3)and(4)only

Whichofthefollowingisnotanasset?()

A:Accrualsandotherprovisions

B:Cashbalances

C:Prepayments

D:Accountsreceivable

答案:Accrualsandotherprovisions

CompanyABCpaid$18000atthebeginningofyear2006incashforofficerentalfromJan.2006toJune2007,howmuchoftherentalshouldbebookedascostforyear2006?()

A:$9000

B:$18000

C:$24000

D:$12000

答案:$12000

Accountingisasetofconceptsandtechniquesthatareusedtomeasureandreportfinancialinformationaboutalegalentity.()

A:對B:錯(cuò)

答案:錯(cuò)

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

A:錯(cuò)B:對

答案:對

Balancesheetisastatusreport.()

A:錯(cuò)B:對

答案:對

Netsalesequalsalesminussalesreturnsandsalesdiscount.()

A:錯(cuò)B:對

答案:錯(cuò)

第十一章測試

Whichoneisnotthepartyforasightdraft?()

A:acceptor

B:payee

C:drawee

D:drawer

答案:acceptor

Ifthedrawingamountofthechequeexceedstheamountdepositedintheaccount,thiskindofcheckiscalled()

A:bouncedcheck

B:transferredcheck

C:dishonoredcheck

D:guaranteedcheck

答案:bouncedcheck

UndertheO/A，whichoneisnotcorrect？()

A:Thesellergetsthepaymentfirstanddeliversthegoodslater.

B:Itisfavorabletothebuyer.

C:Itisonetypeofremittance.

D:Thesellerusuallybearstheriskofnon-payment.

答案:Thesellergetsthepaymentfirstanddeliversthegoodslater.

Whichoneisafinancialdocumentexcept()

A:draft

B:promissorynote

C:Invoice

D:cheque

答案:Invoice

Issueofadraftcomprisestwoacts()

A:deliver

B:endorse

C:accept

D:writeandsign

答案:deliver

;writeandsign

Basedonmeansoftransferringfunds,aremittanceusuallyfallsinto:()

A:TelegraphicTransfer(T/T)

B:MailTransfer(M/T)

C:.

D:DemandDraft(D/E:DemandTransfer(D/T)

答案:TelegraphicTransfer(T/T)

;MailTransfer(M/T)

;DemandDraft(D/

Undercollection,whichofthefollowingarecorrect?()

A:IftheinstructionsareD/Patsight,theimporter’sbankwillreleasethedocumentstotheimporteronlyagainstpayment.

B:Thereareobligationsforthebankstocheckthedocumentsandguaranteethepayment.

C:D/PismorefavorablethanD/Atotheseller.

D:Collectingbankorpresentingbankisthebankinthecountryofthesellerorexporter.

答案:IftheinstructionsareD/Patsight,theimporter’sbankwillreleasethedocumentstotheimporteronlyagainstpayment.

;D/PismorefavorablethanD/Atotheseller.

Themakerofapromissorynotecanbemorethanoneperson.（）

A:錯(cuò)B:對

答案:對

Theobligorofachequeisthedraweeratherthanotherparties.（）

A:錯(cuò)B:對

答案:錯(cuò)

Ifthedraftindicates“pay…Co.ororder”,itcanbenegotiable.（）

A:錯(cuò)B:對

答案:對

第十二章測試

“Weherebyagreewiththebeneficiarythatalldraftdrawnunderand/ordocumentspresentedhereunderwillbedulyhonoredbyusprovidedthetermsandconditionsoftheCreditarecompliedwith...”.Intheclause,“we”are()

A:applicant

B:advisingbank

C:beneficiary

D:issuingbank

答案:issuingbank

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

A:freenegotiationL/C

B:restrictednegotiationL/C

C:restrictedtransferableL/C

D:freetransferableL/C

答案:freenegotiationL/C

Whichoneisnotcorrectfortransferablecreditandback-to-backcredit?()

A:Twocreditsareinvolvedintransferablecreditwhileoneletterofcreditisinvolvedinback-to-backcredit.

B:UnderthebacktobackL/C,theapplicantisrequiredtoprovidetheoriginalL/Cformortgagewhileitisnotfortransferablecredit.

C:Theyarebothusedbymiddlemen.

D:Onecreditisinvolvedintransferablecreditwhiletwolettersofcreditareinvolvedinback-to-backcredit.

答案:Twocreditsareinvolvedintransferablecreditwhileoneletterofcreditisinvolvedinback-to-backcredit.

Reciprocalcreditsarenotsuitablein()

A:bartertransactions

B:generaltrade

C:countertradeorcompensationtrade

D:tradeofprocessingincomingmaterials

答案:generaltrade

Whoappliesfortheopeningorissuingofacreditinaccordancewiththesalescontract.()

A:Buyer

B:Seller

C:Importer

D:Exporter

答案:Buyer

;Importer

StandbyL/Cisalsocalled()

A:performanceL/C

B:commercialpaperL/C

C:cleanL/C

D:guaranteeL/C

答案:performanceL/C

;commercialpaperL/C

;guaranteeL/C

Iftherevolvingcreditisstatedtobe“cumulative”,thespecificmethodscanbeformulatedinthefollowingways:()

A:anti-automaticRevolvingL/C

B:semi-automaticRevolvingL/C

C:automaticRevolvingL/C

D:non-automaticRevolvingL/C

答案:semi-automaticRevolvingL/C

;automaticRevolvingL/C

;non-automaticRevolvingL/C

Theadvisingbankintheseller’scountrycanbetheconfirmingbankandadditsconfirmationtotheL/C.()

A:錯(cuò)B:對

答案:對

Adraftisrequiredfordeferredcredit.()

A:對B:錯(cuò)

答案:錯(cuò)

IftheexportersfindthatitisdifficulttofulfillsomeprovisionsinL/Cwhentheyreviewthem,theycandirectlyrequesttheissuingbanktomodifyL/C.()

A:錯(cuò)B:對

答案:錯(cuò)

第十三章測試

()referstoloans,investmentsandotherfinancialservicesprovidedthroughonlinechannelsratherthanthroughbanksandotherfinancialinstitutions.

A:E-commerce

B:E-banking

C:Internetfinance

D:Onlinebanking

答案:Internetfinance

Alipayaccountholdercanbuyintothemoneyfundwithaminimuminvestmentofoneyuanandredeemtheirfundholding()topayforonlinepurchases.

A:atanytime

B:afterhalfayear

C:afterayear

D:inamonth

答案:atanytime

Thethird-partypaymentplatformplaystheroleasanintermediaryto().

A:carryoutmacro-economicpolicies

B:reducethecostofbankingservices

C:purchasesecuritiesfromissuers

D:eliminatethedistrustoftradingparties

答案:reducethecostofbankingservices

;eliminatethedistrustoftradingparties

AlipayusersareentitledtodirectlyinvestcashfromtheiraccountintoamoneymarketfundmanagedbyTianhongAssetManagementCo.with().

A:higherrisk

B:higherreturns

C:lowerreturns

D:moreflexibility

答案:higherreturns

;moreflexibility

Theguidelinesshoulddecreasethenegativeeffectsofillegalnetworktransactions,protectthelegitimaterightsofinvestorsandencouragefaircompetition.（）

A:錯(cuò)B:對

答案:對

Thetermonlinebankingisusedtodescribesupplyingbankingservicesthroughelectronicintermediariesorelectronicallybasedchannels.（）

A:對B:錯(cuò)

答案:錯(cuò)

E-bankingcanincreaseChinesefinancialinstitutions’abilitytoretainandexpandtheirexistingcustomerbase.（）

A:對B:錯(cuò)

答案:對

Itshouldbenotedthatelectronicbankingisaplatform,whichonlyincludethebankingservicesprovidedviaInternet.（）

A:錯(cuò)B:對

答案:錯(cuò)

Telephonebankingpermitscustomerstogetaccessintotheirrespectivebankinginformation12hoursaday.（）

A:對B:錯(cuò)

答案:錯(cuò)

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

A:對B:錯(cuò)

答案:對

第十四章測試

________willreceiveproceedsfromaninsurancecompanytooffsettheincomelostasa

resultoftheinsured’sdeath.()

A:Theinsured

B:Theinsurer

C:Theunderwriter

D:Thebeneficiary

答案:Thebeneficiary

Accordingto,theinsuredmaynotcollectmorethantheactu