金融英語知到章節(jié)答案智慧樹2023年哈爾濱金融學(xué)院

金融英語知到章節(jié)測試答案智慧樹2023年最新哈爾濱金融學(xué)院緒論單元測試

FinancialEnglishbelongsto“_______”,whichisakindofprofessionalEnglish.()

參考答案:

EnglishforSpecificPurpose

It’sbettertostudythecoursein_______academicyear.()

參考答案:

thethirdorthefourth

Economicglobalizationandfinancialintegrationareinevitabletendencies.（）

參考答案:

對

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

參考答案:

對

Tolearnthecoursewell,moreimportanceshouldbeattachedtothefinancialknowledgethanspecializedEnglishwordsandexpressions.（）

參考答案:

錯

第一章測試

Ariseofinterestrateswillcause（）

參考答案:

adecreaseinborrowingandadecreaseincreditcreation

Whichofthefollowingisnotoneofthefunctionsofmoney?()

參考答案:

financialassets

Whatisthefactorthatledtotheinventionofmoney?()

參考答案:

difficultiesandinefficiencyofthebartersystem

Ifthemoneysupplylagsbehindproduction,theeconomymaysufferfromwithequallyundesirableeffects.()

參考答案:

deflation

Narrowmoneyrefersto.()

參考答案:

M0andM1

Strictlyspeaking,moneyiscurrency.（）

參考答案:

錯

Moneyistheuniqueforminwhichwealthcanbeheld.（）

參考答案:

錯

Interestratesmoveinthesamedirectionwiththatofthestockindex.（）

參考答案:

錯

Nominalinterestrateisunadjustedforinflation.（）

參考答案:

對

Raisingthereserverequirementratiowillreleaseliquidity.（）

參考答案:

錯

第二章測試

Basedonthedataof2019,thebiggestgeographictradingcenterforforeignexchangeisprimarily_______.（）

參考答案:

London

_______isthedateonwhichthemoneymustbepaidtothepartiesinvolvedinspottransaction.（）

參考答案:

Thevaluedate

SupposeasmallChinesefirmsoldsomegoodstoaJapanesefirm,anditwillreceivepaymentof1millionyenin60days.Whichofthefollowingstatementisright?（）

參考答案:

TheChinesefirmcanenterintoaforwardcontracttosell1millionyenin60days.

Swaptransactionsinvolvetwo_______inseparablecontractdeals,usuallythefirstforspotdelivery,andthesecondforfuturedelivery.（）

參考答案:

simultaneous

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

參考答案:

optiontransaction

Foreignbanknotesarenotforeignexchangeinthenarrowersense.（）

參考答案:

對

Quotesusingacountry’shomecurrencyastheunitcurrencyareknownasdirectquotation.（）

參考答案:

錯

Futurescontractscanbecustomizedtomeetparticularcustomerneeds.（）

參考答案:

錯

Itisestimatedthatspeculationaccountsforonly10%ofthedailytradingactivityinforeignexchangemarket.（）

參考答案:

錯

Opportunitiesforactualarbitrageinforeignexchangemarketarerare.（）

參考答案:

對

第三章測試

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

參考答案:

$25milliondeficits

Intermsofbalance-of-paymentsaccount,whichofthefollowingwouldberecordedasadebitentryintheU.S.BOP?()

參考答案:

null

Thebalanceofpaymentsisastatisticalrecordwhichmeasuresthetotalvalueof__.()

參考答案:

alleconomicandfinancialtransactionsbetweentheresidentsandnon-residentsforagivenperiodoftime

Thetradedeficitmeansthat___.()

參考答案:

residentsareimportingmoregoodsthantheyareexporting

Intheshort-term,abalanceofpaymentssurplusboostseconomicgrowth.()

參考答案:

對

Balanceofpayments()

參考答案:

isdefinedasthestatisticalrecordofacountry’sinternationaltransactionsoveracertainperiodoftimepresentedintheformofadouble-entrybookkeeping

;canbeusedtoevaluatetheperformanceofacountryininternationaleconomiccompetition

;providesdetailedinformationconcerningthedemandandsupplyofacountry’scurrency

Acountry’sinternationaltransactionscanbegroupedinto_______threemaintypes.()

參考答案:

currentaccount

;officialreserveaccount

;capitalaccount

Sincethebalanceofpaymentsispresentedasasystemofdouble-entrybookkeeping,__.()

參考答案:

everycreditintheaccountisbalancedbyamatchingdebit

;everytransactionmustberecordedtwice

;everydebitintheaccountisbalancedbyamatchingcredit

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

參考答案:

錯

Thedemandforacountry’sexportsimpactsthevalueofitscurrency.()

參考答案:

對

第四章測試

Whywouldacompanyissuecommercialpaper?()

參考答案:

Tofinanceshorttermthings.

Eurocurrencydepositsare().

參考答案:

heldbybanksinonecountryinthecurrencyofanother

Whatisamajoradvantageofmoneymarketinstruments?()

參考答案:

Allareright.

Borrowersobtainfundsfromlendersbysellingtolendersnewlyissuedclaimsinthefinancialmarkets,eg.stockmarketorbondmarket,andwecallthisway().

參考答案:

directfinance

Theinstrumentstradedinmoneymarketshavesomecommonfeatures,including().

參考答案:

short-termmaturities

;moreliquidandsafer

;largedenominations

;lowdefaultriskandlowyields

Ontheinternationallevel,therearetwopillarsunderpinningtheRMBinternationalization,theyare().

參考答案:

China’sgoldreservesandforeignexchangereserves

;thecreditworthinessofChinaastheworld’ssecond-largesteconomy

Basedonthematurityofthesecuritiestradedinthemarket,financialmarketscanbeclassifiedintoprimarymarketandsecondarymarket.（）

參考答案:

錯

T-billsareshort-termsecuritiesthatmatureinoneyearorlessfromtheirissuedate.（）

參考答案:

對

CDsofferaslightlyloweryieldthanT-billsbecausethebank’sdefaultriskislower.（）

參考答案:

錯

Reposareshort-termcollateralizedloansusedbysecuritiesdealersandothermarketparticipantsasasourceoflowcostfinancingmethod.（）

參考答案:

對

第五章測試

Animportantfinancialinstitutionthatassistsintheinitialsaleofsecuritiesintheprimarymarketisthe().

參考答案:

investmentbank

TheNewYorkStockExchangeisthemostimportantexampleofa()financialmarket.

參考答案:

secondary

Capitalmarketsaremorefrequentlyusedfor()assets,whicharethosewithmaturitiesofgreaterthanoneyear.

參考答案:

long-term

Whenacompanyissuespublicstocknewlytoinvestorsthroughunderwritingbyinvestmentbankers,thissaleiscalled().

參考答案:

aninitialpublicoffering

Thefinancialinstrumentsusedincapitalmarketsinclude(),buttheinstrumentsusedinthemoneymarketsincludedeposits,T-billsandbillsofexchange.

參考答案:

bonds

;stocks

Privateplacementhasadvantagesoverotherequityfinancingmethods,including().

參考答案:

reducedcost

;theabilitytoremainaprivatecompany.

;lessburdensomeregulatoryrequirements

;reducedtime

Publicofferingisalsocalleddirectissuingassecuritiesarenotissuedthroughintermediaries.（）

參考答案:

錯

Anorganizedsecuritiesexchangeisalocationwithatradingfloorwhereallofthetradingtakesplaceundertherulesformulatedbytheexchange.（）

參考答案:

對

AnIPOisabigstepforacompany.Itprovidesthecompanywithaccesstoraisingalotofmoney.Thisgivesthecompanyagreaterabilitytogrowandexpand.（）

參考答案:

對

Anistheissuanceofadditionalsharesofstockaftertheissuingcompanyhasalreadyhadafollow-onoffering.（）

參考答案:

錯

第六章測試

Astockholder（）.

參考答案:

earnsareturnfromstockpriceincreaseordividends

Thatastockholderhastherightofaresidualclaimantmeans（）.

參考答案:

stockholdershaveaclaimonassetsorincomeleftoverafterallotherclaimantsaresatisfied

Stocks（）.

參考答案:

havenomaturity

Inageneralsensethetermnegotiablesecuritiesisapplicabletomanyformsofnegotiableinstrumentsincludingchecks,billsofexchange,andbillsofladingandsoon.（）

參考答案:

對

Anequityholderisaresidualclaimantbecausetheyhavenorighttothemanagementandprofitofthecompany.（）

參考答案:

錯

Preferredstockisaspecialequitysecuritythathaspropertiesofbothanequityandadebtinstrumentandisgenerallyconsideredahybridinstrument.（）

參考答案:

對

Acallablepreferredstockmeansthattheholderhastherighttosellthestockbacktotheissueratacertainprice.（）

參考答案:

錯

Thepotentialprofitsfromowningcommonstockscomeprimarilyintwoforms:dividendsandcapitalgainswhenthestockpricerises.（）

參考答案:

對

Zerocouponbondsdonotpayinterestuntiltheendofthematuritydate.（）

參考答案:

錯

Floating-ratebondsareriskierthanfixedratebondsespeciallywheninflationrateishigh.（）

參考答案:

錯

第七章測試

Themainassetonabankbalancesheetis.()

參考答案:

loansandoverdrafts

isalsocalledbridgeloan.()

參考答案:

Non-installmentloan

Inadditiontofinancingtheagricultural,commercialandindustrialactivitiesofthenation,commercialbanksfacilitateconsumptionbymakingloans.()

參考答案:

consumer

arenotconfinedtobuyorbuildrealestate.()

參考答案:

Homeequityloans

Underfive-categoryloanclassification,haspotentialweaknessesthatdeservemanagement’scloseattention.()

參考答案:

specialmention

Thecurrentratioprovidesamoreconservativemeasureofaggregateliquiditythanquickratio.（）

參考答案:

錯

EquityMultipliermeasuresthedegreeoffinancialleverageemployed.Thegreateristhedegreeofleverage,thegreaterarethereturnsorriskstoshareholders.（）

參考答案:

對

Non-mortgageconsumerloansareusuallyusedtofinancethepurchaseofdurablegoods.（）

參考答案:

對

Collateralisthelender’sprimarysourceofrepaymentorsecurityinthecaseofdefault.（）

參考答案:

錯

Pricingofinterestrateofinternationalsyndicatedloanisbasicallythefederalfundsrateplusaspread.（）

參考答案:

錯

第八章測試

___________,whichdescribesasituationwheremarketparticipationisaffectedbyasymmetricinformation,affectstheabilityofmarketstoallocatecreditbypricesbecauseitremovesthelower-riskborrowersfromthesetofpotentialborrower.()

參考答案:

Adverseselection

Theeffectofasymmetricinformationcanbeseenclearlyin“___________”,whichisproposedandillustratedbytheeconomist.()

參考答案:

theMarketforLemons

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

參考答案:

Moralhazard

Thecreditscoringmodelforsmallbusinessesisbasedon_________,justlikethecreditscoringfortheissueofacreditcardwithsimpleprocedures.()

參考答案:

consumerloans

Creditscoringismore_________thanhumanloanofficers.Iteliminatesvariationsinriskassessmentamongloanofficers,andbyasingleofficerovertime.()

參考答案:

objective

Differentindustrieshavedifferentstandardstodefinesmallbusinesses.（）

參考答案:

對

Theproblemofasymmetricalinformationarisesbecausebuyersandsellersdon’thaveequalamountsofinformationrequiredtomakeaninformeddecisionregardingatransaction.（）

參考答案:

對

Akerlofsuggestedthattheproblemofadverseselectiondistortedthemarket,leadingtohigherpricesbutloweraveragequalityofthegoods.（）

參考答案:

錯

Moralhazardoccurspriortoadealbetweenabuyerandaseller,whileadverseselectionmayappearafterthedealismade.（）

參考答案:

錯

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

參考答案:

對

第九章測試

Becausethetitletotheleasedpropertyhasnotbeentransferred,acapitalleaseisnotregardedinessenceasequivalenttoasaleofthepropertyfromthelessortothelessee.（）

參考答案:

錯

Inaleasingcontract,thelessorstillremainstheownership,whilethelesseeobtainstherighttousetheasset.（）

參考答案:

對

Insimpleterms,factoringisthepurchaseofclaims,arisingfromsalesofgoods,byaspecializedcompanyknownasfactoringcompanyorfactor.（）

參考答案:

對

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

參考答案:

錯

Forfeitingisthetermgenerallyusedtodenotethepurchaseofobligationsfallingdueatsomefuturedate,arisingfromdeliveriesofgoodsandservices-mostlyexporttransactions-withrecoursetoanypreviousholderoftheobligation.（）

參考答案:

錯

Onceyouestablishanirrevocabletrust,youcannotchangeormodifyitinanyway.（）

參考答案:

對

Inanoperatinglease,thelessorprovidesmaintenanceatadditionalleasecostwhichwillbebornebythelessee.（）

參考答案:

錯

Financialleaseissometimescalledcapitalleaseandisusually（）.

參考答案:

longterm

Forfeitingprovides（）financingofthevalueofexport.

參考答案:

100%

Inafactoring,thesellergetsaccesstofinancelinkedtohis（）

參考答案:

currentlevelsofbusiness

第十章測試

The___principlemeansthatwecanexpresstransactionsandeventsinmonetaryunits.（）

參考答案:

monetaryunit

Assetsaccountsnormallyhavedebitbalances.Theseaccountsincreaseonthe___sideanddecreaseonthe___side.()

參考答案:

debitcredit

Financialstatementdoesnotinclude().

參考答案:

workingsheet

Listedbelowaresomecharacteristicsoffinancialinformation.

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

Whichofthesecharacteristicscontributetoreliability?()

參考答案:

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

Whichofthefollowingisnotanasset?()

參考答案:

Accrualsandotherprovisions

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

參考答案:

$12000

Accountingisasetofconceptsandtechniquesthatareusedtomeasureandreportfinancialinformationaboutalegalentity.()

參考答案:

錯

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

參考答案:

對

Balancesheetisastatusreport.()

參考答案:

對

Netsalesequalsalesminussalesreturnsandsalesdiscount.()

參考答案:

錯

第十一章測試

Whichoneisnotthepartyforasightdraft?()

參考答案:

acceptor

Ifthedrawingamountofthechequeexceedstheamountdepositedintheaccount,thiskindofcheckiscalled()

參考答案:

bouncedcheck

UndertheO/A，whichoneisnotcorrect？()

參考答案:

Thesellergetsthepaymentfirstanddeliversthegoodslater.

Whichoneisafinancialdocumentexcept()

參考答案:

Invoice

Issueofadraftcomprisestwoacts()

參考答案:

deliver

;writeandsign

Basedonmeansoftransferringfunds,aremittanceusuallyfallsinto:()

參考答案:

MailTransfer(M/T)

;TelegraphicTransfer(T/T)

;DemandDraft(D/

Undercollection,whichofthefollowingarecorrect?()

參考答案:

IftheinstructionsareD/Patsight,theimporter’sbankwillreleasethedocumentstotheimporteronlyagainstpayment.

;D/PismorefavorablethanD/Atotheseller.

Themakerofapromissorynotecanbemorethanoneperson.（）

參考答案:

對

Theobligorofachequeisthedraweeratherthanotherparties.（）

參考答案:

錯

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

參考答案:

對

第十二章測試

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

參考答案:

issuingbank

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

參考答案:

freenegotiationL/C

Whichoneisnotcorrectfortransferablecreditandback-to-backcredit?()

參考答案:

Twocreditsareinvolvedintransferablecreditwhileoneletterofcreditisinvolvedinback-to-backcredit.

Reciprocalcreditsarenotsuitablein()

參考答案:

generaltrade

Whoappliesfortheopeningorissuingofacreditinaccordancewiththesalescontract.()

參考答案:

Buyer

;Importer

StandbyL/Cisalsocalled()

參考答案:

performanceL/C

;commercialpaperL/C

;guaranteeL/C

Iftherevolvingcreditisstatedtobe“cumulative”,thespecificmethodscanbeformulatedinthefollowingways:()

參考答案:

automaticRevolvingL/C

;semi-automaticRevolvingL/C

;non-automaticRevolvingL/C

Theadvisingbankintheseller’scountrycanbetheconfirmingbankandadditsconfirmationtotheL/C.()

參考答案:

對

Adraftisrequiredfordeferredcredit.()

參考答案:

錯

IftheexportersfindthatitisdifficulttofulfillsomeprovisionsinL/Cwhentheyreviewthem,theycandirectlyrequesttheissuingbanktomodifyL/C.()

參考答案:

錯

第十三章測試

()referstoloans,investmentsandotherfinancialservicesprovidedthroughonlinechannelsratherthanthroughbanksandotherfinancialinstitutions.

參考答案:

Internetfinance

Alipayaccountholdercanbuyintothemoneyfundwithaminimuminvestmentofoneyuanandredeemtheirfundholding()topayforonlinepurchases.

參考答案:

atanytime

Thethird-partypaymentplatformplaystheroleasanintermediaryto().

參考答案:

eliminatethedistrustoftradingparties

;reducethecostofbankingservices

AlipayusersareentitledtodirectlyinvestcashfromtheiraccountintoamoneymarketfundmanagedbyTianhongAssetManagementCo.with().

參考答案:

higherreturns

;moreflexibility

Theguidelinesshoulddecreasethenegativeeffectsofillegalnetworktransactions,protectthelegitimaterightsofinvestorsandencouragefaircompetition.（）

參考答案:

對

Thetermonlinebankingisusedtodescribesupplyingbankingservicesthroughelectronicintermediariesorelectronicallybasedchannels.（）

參考答案:

錯

E-bankingcanincreaseChinesefinancialinstitutions’abilitytoretainandexpandtheirexistingcustomerbase.（）

參考答案:

對

Itshouldbenotedthatelectronicbankingisaplatform,whichonlyincludethebankingservicesprovidedviaInternet.（）

參考答案:

錯

Telephonebankingpermitscustomerstogetaccessintotheirrespectivebankinginformation12hoursaday.（）

參考答案:

錯

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

參考答案:

對

第十四章測試

________willreceiveproceedsfromaninsurancecompanytooffsettheincomelostasa

resultoftheinsured’sdeath.()

參考答案:

Thebeneficiary

Accordingto,theinsuredmaynotcollectmorethantheactuallossintheeventof

damagecausedbyaninsuredperil.()

參考答案:

PrincipleofIndemnity

Undertheprincipleofsubrogationonewhohasindemnifiedanother’slossisentitledto

recoveryfrom.()

參考答案:

anyliablethirdpartieswhoareresponsible

______isaformofinsurancethatpaysmonetaryproceedsuponthedeathoftheinsured

coveredinthepolicy.()

參考答案:

Lifeinsurance

Disabilityincomeinsuranceandmedicalexpenseinsurancefallintothecategoryof______.()

參考答案:

healthinsurance

Healthinsurancecoversmedicalbillsincurredbecauseofbothsicknessandinjury.（）

參考答案:

錯

Endowmentpoliciesaregenerallyequivalenttoterminsuranceplusalump-sumbenefitpaidonsurviv