金融英語(yǔ)智慧樹(shù)知到期末考試答案2024年

金融英語(yǔ)智慧樹(shù)知到期末考試答案2024年金融英語(yǔ)Short-termloanstocovertheperioduntillong-termfinancingcanbearrangedare________.()

A:installmentloansB:bridgingfinanceC:syndicatedloansD:mortgages答案:bridgingfinanceShoulddividendspaidappearonthefaceofacompany’scashflowstatement?()

A:NoB:EitherC:NotsureD:Yes答案:YesTraditionally,keyriskfactorshavebeenclassifiedaccordingtothefiveCsofcredit.______referstotheborrower’shonestytorepay.()

A:CapacityB:CapitalC:CharacterD:Conditions答案:CharacterDerivativescanbeusedtohedgeaposition,speculateonthedirectionalmovementofanunderlyingasset,orgive_______toholdings.（）

A:advantageB:leverageC:positionD:Premium答案:leverageThebankthatnegotiatesordiscountsthebeneficiary’sbillofexchangeis()

A:advisingbankB:issuingbankC:confirmingbankD:negotiatingbank答案:negotiatingbankWhenachequeisdrawntwoparallel,itis（）

A:crossedchequeB:openchequeC:paralleledchequeD:uncrossedcheque答案:crossedchequeDollar-denominateddepositsnotsubjectto()bankingregulationswereoriginallyheldalmostexclusivelyinEurope,hencethenameEurodollar.

A:China’sB:U.S.C:EuropeanD:Japan’s答案:U.SCurrently,internationalreserveassetsarecomprisedof___.()

A:gold,foreignexchanges,specialdrawingrights,andreservepositionsintheInternationalMonetaryFundB:gold,platinum,foreignexchanges,andspecialdrawingrightsC:gold,diamonds,foreignexchanges,andspecialdrawingrightsD:reservepositionsintheInternationalMonetaryFundonly答案:gold,foreignexchanges,specialdrawingrights,andreservepositionsintheInternationalMonetaryFund______mustbecarriedoutpriortotheadvanceofaloan.()

A:LoanexecutionB:LoanadministrationC:CreditreviewD:Creditanalysis答案:CreditanalysisWhenHonda,aJapaneseautomaker,builtafactoryinOhio,____.()

A:Noneoftheabove.B:ItwasengagedinforeigndirectinvestmentC:Itwasengagedinacross-borderacquisitionD:Itwasengagedinportfolioinvestment答案:ItwasengagedinforeigndirectinvestmentBorrowerscanraisefundsbyfinancialintermediaries,likebanks,insurancecompaniesormutualfunds,theyalsocanparticipateinthefinancialmarkets,wecallthisway().

A:financialmarketB:financialinstrumentC:indirectfinanceD:directfinance答案:indirectfinance()isafinancialmarketinwhichsecuritiesthathavebeenpreviouslyissuedcanberesold.

A:SecondarymarketB:PrimarymarketC:CapitalmarketD:Moneymarket答案:SecondarymarketDiscounthousesactasabrokerin()betweenthosewhowishtolendshort-termfundsandthosewhowishtoborrowshort-termfunds.

A:themoneymarketB:theforeignexchangemarketC:thestockexchangeD:thecapitalmarket答案:themoneymarket___istherecording,classifying,summarizingandinterpretingoffinancialeventsandtransactionsthataffectabusinessfirm.（）

A:FinanceB:AccountingC:MarketingD:Bookkeeping答案:AccountingAnexampleofcommercialpaperiswhenaretailfirmislookingfor()fundingtofinancesomenewinventoryforanupcomingholidayseason.

A:medium-termB:long-termC:medium-andlong-termD:short-term答案:short-termCustomerscantransferanyamountof()tootheraccountsirrespectiveoflocationeitherfromhomeoroffice.

A:cashB:currencyC:depositD:coin答案:depositRe-discountreferstotheactioninwhichadiscounthouseorbanktransfersordiscountsat()abillthathasbeendiscountedandisnotduewheninneedoffunds.

A:theclearinghouseB:theinvestmentbankC:anotherbankD:thecentralbank答案:thecentralbankOncetheletterofcreditisissuedattherequestoftheapplicant,whoundertakesprimaryliabilitiestohonorthecomplyingpresentation.()

A:ExporterB:ImporterC:IssuingbankD:Advisingbank答案:IssuingbankWhenmoneyisperformingthe________function,itcouldbethemoneyinpeople’sconception.()

A:standardofdeferredpaymentB:unitofaccountC:mediumofexchangeD:storeofvalue答案:unitofaccountThebusinessofanyinsurancecompanyistopay________totheinsuredinthecaseofalossinreturnforthepaymentofpremiums.()

A:fundsB:interestsC:benefitsD:principals答案:benefitsBasedonthefactthatwhetherthedebtorisinformedofthetransferenceoftheclaim,thefactoringbusinesscanbedividedinto()

A:maturityfactoringB:disclosedfactoringC:advancefactoringD:undisclosedfactoring答案:disclosedfactoring###undisclosedfactoringWhichonesarereverseremittance?()

A:D/PB:L/CC:D/AD:T/T答案:D/P###D/A###L/CFinancialmarketsarewheretradersbuyandsellassets,andtheseassetsinclude().

A:derivativesB:foreignexchangeC:goodsandservicesD:stocksandbonds答案:stocksandbonds###derivatives###foreignexchangeUnsystematicriskcanbeclassifiedintotwocategoriesnamely:（）.

A:non-diversifiableriskB:businessriskC:financialriskD:marketrisk答案:businessrisk###financialriskWhichoffollowingsarethemonetarypolicytools?()

A:foreignexchangeB:rediscountrateC:requiredreserveratioD:openmarketoperation答案:rediscountrate###openmarketoperation###requiredreserveratioWhichofthefollowingstatementsaboutdeferredcreditarecorrect()

A:Itisacreditunderwhichpaymentmustbeeffectedonaspecifiedfuturedate.B:Itisusedasameansofavoidingthestampdutypayableondrafts.C:Thebeneficiarycandiscountindeferredcredit.D:Nodraftisrequiredfordeferredcredit.答案:Itisacreditunderwhichpaymentmustbeeffectedonaspecifiedfuturedate###Nodraftisrequiredfordeferredcredit###ItisusedasameansofavoidingthestampdutypayableondraftsPersonalinsuranceusuallycomprises________.()

A:healthinsuranceB:lifeinsuranceC:propertyinsuranceD:personalaccidentinsurance答案:lifeinsurance###healthinsurance###personalaccidentinsuranceThefiveCsofcreditare________.（）

A:collateralB:capacityC:capitalD:characterE:conditions答案:character###capacity###capital###collateral###conditionsIntermsofbalance-of-paymentsaccount,whichofthefollowingwouldberecordedasacreditentryintheU.S.BOP?()

A:exportsofmerchandiseB:anincreaseofthedepositinaU.S.resident’saccountataforeignbankC:exportsofservicesD:purchaseoftheU.S.Treasurybondsbynon-residents答案:exportsofmerchandise###exportsofservices###purchaseoftheU.S.Treasurybondsbynon-residentsThepromissorynotesmadebythebankersareusuallycalled()

A:cashier’snoteB:cashier’sorderC:cashier’scheckD:cashier’spromise答案:cashier’scheck;cashier’sorderThebasicpartiesofL/Care()

A:issuingbankB:advisingbankC:applicantD:beneficiary答案:applicant###beneficiary###issuingbank###advisingbankLoanproceduresinclude________.（）

A:ReviewandApprovalB:LoanDisbursementC:Post-disbursementManagementD:ApplicationAcceptanceE:InvestigationandAssessment答案:ApplicationAcceptance###InvestigationandAssessment###ReviewandApproval###LoanDisbursement###Post-disbursementManagementCurrencycrisisisusuallytriggeredby().

A:thehugeexternaldebtsB:theincreaseofbaddebtsinbanksC:thedecreaseofbaddebtsinbanksD:thecollapseofbubbleeconomy答案:thecollapseofbubbleeconomy###theincreaseofbaddebtsinbanks###thehugeexternaldebtsForthepurposeofmonitoringbank’sassetqualityandassessingitsadequacyofbaddebtprovisions,variousbankingregulatorybodiesclassifyloansandcreditsintothefollowingcategories:________.（）

A:passB:substandardC:specialmentionD:doubtfulE:loss答案:pass###specialmention###substandard###doubtful###lossThepartiesintheleasereferto（）.

A:lesseeB:lessorC:makerD:beneficiary答案:lessor###lesseeExportcreditinsurancecovers_______.()

A:pureriskB:commercialriskC:foreignexchangeriskD:politicalrisk答案:politicalrisk###foreignexchangerisk###commercialriskCapitalmarkethassomecharacteristics,including().

A:higherrisksB:lowerliquidityC:higheryieldsD:longermaturity答案:longermaturity###lowerliquidity###higherrisks###higheryieldstherearetwotypesofmunicipalbonds,namely:（）.

A:callablebondsB:floating-ratebondsC:generalobligationbondsD:revenuebonds答案:generalobligationbonds###revenuebondsCommonstockshavethefollowingrights（）.

A:preemptiverightsB:profitsreceivingrightsC:votingrightsD:residualclaimingrights答案:preemptiverights###votingrights###residualclaimingrights###profitsreceivingrightsWhoareusuallybuyersofcommercialpaper?()

A:Othercorporations.B:Financialinstitutions.C:Wealthyindividuals.D:Moneymarketfunds.答案:Othercorporations###Financialinstitutions###Wealthyindividuals###MoneymarketfundsBondspayableisakindofcurrentliabilities.()

A:對(duì)B:錯(cuò)答案:錯(cuò)Whenacompanyissuedcommonstocktoitsowner,thestockholders’equityofthecompanyisincreased.Torecordthis,debitCommonStock.()

A:對(duì)B:錯(cuò)答案:錯(cuò)Premiummeansthattheforwardrateishigherthanspotrate.（）

A:錯(cuò)B:對(duì)答案:對(duì)Stockmarketreturnsarenotfixedorensuredones.（）

A:對(duì)B:錯(cuò)答案:對(duì)ThepayingbankinT/Tisusuallythebankinthecountryofthebuyer.（）

A:對(duì)B:錯(cuò)答案:錯(cuò)Inter-bankmarketinterestrateisthekeyinterestrateofmoneymarketsandalsothemostrepresentativeinterestrateinfinancialmarkets.（）

A:錯(cuò)B:對(duì)答案:對(duì)Sightcreditgivesthebeneficiarymoresecuritythanusancedraft.()

A:對(duì)B:錯(cuò)答案:對(duì)Inordertocombatinflation,thecentralbankmaybemotivatedtoenactrestrictivemonetarypolicytoolsthatincluderaisinginterestratesandraisingthemoneysupply.()

A:錯(cuò)B:對(duì)答案:錯(cuò)Someitemsareacceptednotbecausetheyareusefulorportablebutbecausetheycanbeusedtotradeforotherthings,whichwecallamediumofexchange.（）

A:錯(cuò)B:對(duì)答案:對(duì)Asyndicatedloanisakindofbilateralloans.（）

A:錯(cuò)B:對(duì)答案:錯(cuò)Ifthedraftisdishonored,theholderofthedraftshouldimmediatelyobtaina“protest”andexercisetherightofrecourseagainsthispriorendorser.（）

A:對(duì)B:錯(cuò)答案:對(duì)Currencyswaps,likeinterestrateswaps,canalsoinvolvetheexchangeofprincipal.（）

A:對(duì)B:錯(cuò)答案:錯(cuò)Profitsreceivingrightsmeansthatpreferredsharesonaverageperformbetterthancommonsharesorbondsovertime.（）

A:錯(cuò)B:對(duì)答案:錯(cuò)Listingonastandardexchang