金融英语的单选题Word格式.docx
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B.Prudence
C.Consistency
D.Goingconcern
E.Moneymeasurement.
5.Whatisadocumentaryletterofcredit?
A.Aconditionalbankundertakingtopayanexporteronproductionofstipulateddocumentation
B.Amethodoflendingagainstdocumentarysecurity
C.Aninternationaltradesettlementsystembiasedinfavourofimporters
D.Alloftheabove
6.Holdingagroupofassetsreducesriskaslongastheassets______.
A.areperfectlycorrelated
B.arecompletelyindependent
C.donothavepreciselythesamepatternofreturns
D.haveacorrelationcoefficientgreaterthanone
7.Anamount,payableinmoneygoods,orservice,owedbyabusinesstoacreditor,isknownasa/an.
A.liability
B.debt
C.equity
D.asset
8.Whatfunctionismoneyservingwhenyoubuyatickettoamovie?
A.storeofvalue
B.amediumofexchange
C.transactiondemand
D.aunitofaccount
9.Ifforeignersexpectthatthefuturepriceofsterlingwillbelower,the______.
A.supplyofsterlingwillincrease,demandforsterlingwillfall,andtheexchangeratewillfall
B.supplyofsterlingwillincrease,demandforsterlingwillrise,andtheexchangeratemayormaynotincrease
C.supplyofsterlingwillfall,demandforsterlingwillincrease,andtheexchangeratewillrise
D.supplyofsterlingwillfall,demandforsterlingwillfall,andtheexchangeratemayormaynotfall
10.Thedocumentarycollectionprovidesthesellerwithagreaterdegreeofprotectionthanshippingon______.
A.openaccount
B.bank'
sletterofguarantee
C.banker'
sdraft
D.documentarycredit
11.Whichofthefollowingstatementsisnottrueofcentralbanks?
A.Theypaythegovernment'
ssalaries
B.Theyalwaysundertaketheregulationofthebankingsystem
C.Theyarealwaysthelenderoflastresort
D.Noneoftheabove
12.WhenGBP/USDrategoesfrom1.6150to1.8500,wesaythedollar______.
A.appreciatesby12.70%
B.depreciatesby14.55%
C.depreciatesby12.70%
D.appreciatesby14.55%
13.Accordingtodiversificationprincipleininvestment,supposeyouinvestStockXandStockYwithequalfunds,whichofthefollowingisnottrue?
A.IfXandYaretotallyindependentwitheachother,theriskoftheportfolioisreduced
B.IfXandYareperfectlynegativelycorrelated,theriskoftheportfolioisperfectlyoffset
C.IfXandYareperfectlypositivelycorrelated,theriskoftheportfolioisneitherreducednorincreased
D.IfXandYareperfectlynegativelycorrelated,theriskoftheportfolioisneitherreducednorincreased
14.Thesearefourmainmethodsofsecuringpaymentininternationaltrade:
（1）paymentunderdocumentarycredit
（2）openaccount
（3）collection,thatisdocumentagainstpaymentoracceptanceofabillofexchange
（4）paymentinadvance
Fromanexporter'
spointofview,theorderofpreferenceis______.
A.（4）,
（2）,（3）,
（1）
B.（4）,
（1）,（3）,
（2）
C.（4）,（3）,
（1）,
（2）
D.
（2）,（4）,
（1）,（3）
15.Themainliabilityonabankbalancesheetis______.
A.deposits
B.capitalandreserves
C.loansandoverdrafts
D.cash
16.______showsthatnetincomeforaspecifiedperiodoftimeandhowitwascalculated.
A.Theincomestatement
B.Thecapitalstatement
C.Theaccountingstatement
D.Thestatementoffinancialcondition
17.Whymusttheliabilitiesandassetsofabankbeactivelymanaged?
A.Becauseassetsandliabilitiesarenotevenlymatchedonthesametimescale
B.Becauseassetsandliabilitiesareevenlymatched
C.BecausetheinterbankmarketusesLIBOR
D.Becauseassetsandliabilitiescanbeunderwritten
18.Iftheexpectedreturnsoftworiskyassetshaveaperfectnegativecorrelation,thenrisk.
A.isincreased
B.fallstozero
C.isunaffected
D.isreducedbyone-half
19.Apossibledisadvantageoffreelyfluctuatingexchangerateswithnoofficialinterventionisthat.
A.somenationswouldexperiencecontinualdeficits
B.theexchangeratesmayexperiencewideandfrequentfluctuations
C.nationswouldnolongerbeabletoundertakedomesticpoliciesdesignedtoachieveandmaintainfullemployment
D.nationswouldneedalargersupplyofinternationalreservesthanotherwise
20.WhatareyourGBP/USDpositionandtheaveragerateifyousell£
4mat1.6350buy£
5mat1.6340andsell$5mat1.6348?
A.Short£
2058478.10long$3370000at1.6371
B.Long£
5941521.90short$9710000at1.6342
C.Short£
5941521.90long$9710000at1.6342
D.Long£
4058478.10short$6630000at1.6336
答案：
1.D2.B3.A4.A5.A6.C7.A8.B9.A10.A
11.B12.B13.D14.B15.A16.A17.A18.B19.B20.D
（二）
1.Underwhichoneofthefollowingcircumstanceswoulditbewiseforyourcustomertoarrangeaforwardforeignexchangecontract?
A.Importofgoodspricedinaforeigncurrency
B.ImportofgoodspricedinRMB
C.ExportofgoodspricedinRMB
D.Exportofgoodspricedinaforeigncurrencywheretherateofexchangehasbeenagreedinthesalescontract
2.Incotermsaddress______.
A.therisksoflossbetweentheparties
B.breachesofcontract
C.ownershiprights
D.typeofshipused
3.Whichofthefollowingisorwasanexampleofrepresentativefull-bodiedmoney?
A.Debtmoney
B.ATSaccount
C.Goldcertificate
D.Demanddeposit
4.Risksassociatedwithinvestinginforeigncountriesarethefollowingexcept______.
A.votingrisk
B.exchangeraterisk
C.countryrisk
D.politicalrisk
5.AnexportersellsgoodstoacustomerabroadonFOBandonCIFterm.Whoisresponsibleforthefreightchargesineach?
A.Exporter;
Exporter
B.Exporter;
Importer
C.Importer;
Importer
D.Importer;
6.Defaultriskreferstothepossibilitythataborrowermay______.
A.beunabletorepaytheprincipalonhisloan
B.beunabletomaketheinterestpaymentsonhisloan
C.gobankrupt
D.alloftheabove
7.Whatisthereserverequirement?
A.Therequirementofabanktodepositapercentageofmoney
B.Therequirementfordepositsincash
C.Thepercentageofabank'
sdepositsintheformofcashreserves
D.Therequirementforcashreserves
8.Adraftislikeacheckthatcanbeendorsedbutitisn'
tatitletogoods,like______.
A.abilloflading
B.aninspectioncertificate
C.acertificateoforigin
D.aninsurancecertificate
9.Arbitrage______.
A.isageneraleconomictermforbuyingsomethingwhereitischeapandsellingitwhereitisdear
B.keepsexchangeratesconsistentacrossmarkets
C.hasbeenoutlawedbytheInternationalMonetaryFund
D.cannotoccurwherethereisaforwardexchangemarket
E.bothAandB
10.Whatisthepurposeofcomparingtheledgerentrieswiththedocuments?
A.Toprovethatallthetransactionshavemadefortherightamounts
B.Toprovethatalltheaccountshavebeenpostedcorrectly
C.Tocheckthenumberofallthedebitsandcredits
D.Toposttherightaccounts
11.WhatisDollarCostAveraging?
A.Abrokerageaccountthatgivesinvestorscheaptrades
B.Theideathatpricestendtoriseoverthelongterm
C.Buyingstocksthatarebelowaverageinvalue
D.Aflatquarterlymutualfundfeeaveragedthroughouttheyear
E.Astrategyofinvestingmoneyonaregularbasistotakeadvantageofmarketfluctuations
12.FromaChinesebank'
spointofview,thecurrencyaccountwhichitmaintainsabroadisknownas______,whileaRMBaccountoperatedinChinaforaforeignbankistermed______.
A.avostroaccount...anostroaccount
B.avostroaccount…amirroraccount
C.amirroraccount…anostroaccount
D.anostroaccount...avostroaccount
13.UnderFOBtermsthebillofladingwouldstategoods______.
A.loadedonboard,freightpayableatdestination
B.loadedonboard,freightpaid
C.receivedforshipment,freightpaid
D.receivedforshipment,freightpayableatdestination
14.Theliabilitiesofthebankasshowninitsbalancesheetrepresentthe______whichitusesinitsbusiness.
A.sourcesofthefunds
B.sharecapital
C.investments
D.advancestocustomers
15.Internationalpaymentsandothermessagesareoftensentthroughaninternationalcomputernetworkcalled______.
A.CHAPS
B.BACS
C.SWIFT
D.EIMT
16.Lowlevelsofuncertainty（risk）areassociatedwith.
A.stocks
B.stockoptions
C.higherpotentialreturns
D.lowerpotentialreturns
17.Governmentsecuritieswouldappearonacommercialbank'
sbalancesheetas______.
A.anasset
B.reserves
C.partofnetworth
D.aliability
18.Amajorproblemwithafixedexchangeratesystemisthatwhencountriesrunforeigntradedeficits,______.
A.thereisnoself-correctingmechanism
B.currencyvaluesbecomeunstable
C.thevalueofthereservecurrencydeclines
D.worldinflationincreases
19.Inaparticulareconomybanksarerequiredtokeep25percentofalldepositsintheformofreserves;
thisgivesacredit-creationmultiplierof______.
A.four
B.three
C.two
D.five
20.Regulationofthemoneysupplyandfinancialmarketsisreferredtoas______.
A.fiscalpolicy
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