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金融英语
- Short-term loans to cover the period until long-term financing can be arranged are ________. ( )
- Should dividends paid appear on the face of a company’s cash flow statement?( )
- Traditionally, key risk factors have been classified according to the five Cs of credit. ______ refers to the borrower’s honesty to repay. ( )
- Derivatives can be used to hedge a position, speculate on the directional movement of an underlying asset, or give _______ to holdings.（ ）
- The bank that negotiates or discounts the beneficiary’s bill of exchange is ( )
- When a cheque is drawn two parallel, it is（ ）
- Dollar-denominated deposits not subject to ( ) banking regulations were originally held almost exclusively in Europe, hence the name Eurodollar.
- Currently, international reserve assets are comprised of___ . ( )
- ______ must be carried out prior to the advance of a loan. ( )
- When Honda, a Japanese auto maker, built a factory in Ohio, ____. ( )
- Borrowers can raise funds by financial intermediaries, like banks, insurance companies or mutual funds, they also can participate in the financial markets, we call this way ( ).
- ( ) is a financial market in which securities that have been previously issued can be resold.
- Discount houses act as a broker in ( ) between those who wish to lend short-term funds and those who wish to borrow short-term funds.
- ___is the recording, classifying, summarizing and interpreting of financial events and transactions that affect a business firm.（ ）
- An example of commercial paper is when a retail firm is looking for ( ) funding to finance some new inventory for an upcoming holiday season.
- Customers can transfer any amount of ( ) to other accounts irrespective of location either from home or office.
- Re-discount refers to the action in which a discount house or bank transfers or discounts at ( ) a bill that has been discounted and is not due when in need of funds.
- Once the letter of credit is issued at the request of the applicant, who undertakes primary liabilities to honor the complying presentation. ( )
- When money is performing the________ function, it could be the money in people’s conception. ( )
- The business of any insurance company is to pay ________ to the insured in the case of a loss
in return for the payment of premiums.( ) - Based on the fact that whether the debtor is informed of the transference of the claim, the factoring business can be divided into ( )
- Which ones are reverse remittance? ( )
- Financial markets are where traders buy and sell assets, and these assets include ( ).
- Unsystematic risk can be classified into two categories namely: （ ）.
- Which of followings are the monetary policy tools? ( )
- Which of the following statements about deferred credit are correct ( )
- Personal insurance usually comprises________. ( )
- The five Cs of credit are ________.（ ）
- In terms of balance-of-payments account, which of the following would be recorded as a credit entry in the U.S. BOP? ( )
- The promissory notes made by the bankers are usually called ( )
- The basic parties of L/C are ( )
- Loan procedures include ________. （ ）
- Currency crisis is usually triggered by ( ).
- For the purpose of monitoring bank’s asset quality and assessing its adequacy of bad debt provisions, various banking regulatory bodies classify loans and credits into the following categories: ________.（ ）
- The parties in the lease refer to （ ）.
- Export credit insurance covers _______ .( )
- Capital market has some characteristics, including ( ).
- there are two types of municipal bonds, namely: （ ）.
- Common stocks have the following rights（ ）.
- Who are usually buyers of commercial paper? ( )
- Bonds payable is a kind of current liabilities.( )
- When a company issued common stock to its owner, the stockholders’ equity of the company is increased. To record this, debit Common Stock.( )
- Premium means that the forward rate is higher than spot rate.（ ）
- Stock market returns are not fixed or ensured ones.（ ）
- The paying bank in T/T is usually the bank in the country of the buyer. （ ）
- Inter-bank market interest rate is the key interest rate of money markets and also the most representative interest rate in financial markets. （ ）
- Sight credit gives the beneficiary more security than usance draft. ( )
- In order to combat inflation, the central bank may be motivated to enact restrictive monetary policy tools that include raising interest rates and raising the money supply. ( )
- Some items are accepted not because they are useful or portable but because they can be used to trade for other things, which we call a medium of exchange. （ ）
- A syndicated loan is a kind of bilateral loans.（ ）
- If the draft is dishonored, the holder of the draft should immediately obtain a “protest” and exercise the right of recourse against his prior endorser. （ ）
- Currency swaps, like interest rate swaps, can also involve the exchange of principal.（ ）
- Profits receiving rights means that preferred shares on average perform better than common shares or bonds over time. （ ）
- Listing on a standard exchange is an expensive and time-consuming process, and outside the financial capabilities of many smaller companies. So the OTC marketplace is an alternative for small companies or those who do not want to list on the standard exchanges. （ ）
- Medium and long-term loans are often used to finance working capital needs.（ ）
- Long position means owing more of the foreign currency than one holds, and short position means holding net assets in the foreign currency. （ ）
- Money market securities tend to be more liquid and safer. As a result, corporations and banks actively use this market to earn interest on surplus funds that they expect to have for a long time. （ ）
- Monetary policy can be broadly classified as either contractionary or expansionary. （ ）
- Facultative reinsurance is the agreement between a ceding company and one or more reinsurers whereby the former agrees to cede and the reinsurer agrees to accept automatically and reinsurances falling within the terms of the treaty.（ ）
- Money market transactions take place in particular locations or buildings. （ ）
A:installment loans B:bridging finance C:syndicated loans D:mortgages
答案:短期AI参考:正确答案是B:bridging finance。bridging finance（过渡性融资）是指短期贷款，用于填补在安排长期融资之前的资金缺口。因此，本题答案为B。installment loans（分期付款贷款）是分期偿还的贷款；syndicated loans（银团贷款）是由多家银行组成的贷款银团；mortgages（抵押贷款）是按揭贷款，与本题无关。'
A:No B:Either C:Not sure D:Yes
答案:net earningsAI参考:正确选项：D.Yes。根据问题中的描述，现金流量表中的股息支付应该出现在报表的正面，所以正确答案是D，即“Yes”。其他选项A、B、C都不符合问题描述。'
A:Capacity B:Capital C:Character D:Conditions
答案:危险因素AI参考:正确答案是C：Character。根据题干中的关键词“传统上，关键风险因素被根据五Cs信用来分类”，可以推断出答案为C，即品格。品格是指借款人的还款意愿，即是否诚实守信。其他选项中，能力（Capacity）通常指借款人的经济能力，资本（Capital）通常指借款人的财务状况，条件（Conditions）则是指借款人的当前经济状况和未来发展前景。因此，这些选项都不能完整地反映“信用风险的关键因素”。'
A:advantage B:leverage C:position D:Premium
答案:√
A:advising bank B:issuing bank C:confirming bank D:negotiating bank
答案:commercial agentAI参考:正确答案是D:negotiating bank。Negotiating bank指的是谈判或折扣汇票的银行，即议付行。其他选项中，Advising bank（通知行）、Issuing bank（发行行）和Confirming bank（保兑行）在国际贸易中都有特定的含义和作用，但与题目中的情境不符。因此，选项D是正确答案。'
A:crossed cheque B:open cheque C:paralleled cheque D:uncrossed cheque
A:China’s B:U.S. C:European D:Japan’s
AI参考:正确答案是C. European。根据题干中“美元计价的存款不受欧洲银行的规定制约”，可知Dollar-denominated deposits与欧洲（European）有密切关系，故答案为C。选项A和D中的中国和日本都与问题描述无关；选项B的美国虽然在一定意义上也与问题有关，但是无法确定这是否是美国银行的存款，所以也不是最佳答案。'
A:gold, foreign exchanges, special drawing rights, and reserve positions in the International Monetary Fund B:gold, platinum, foreign exchanges, and special drawing rights C:gold, diamonds, foreign exchanges, and special drawing rights D:reserve positions in the International Monetary Fundonly
AI参考:正确答案是A:gold，foreign exchanges，special drawing rights，and reserve positions in the International Monetary Fund。国际储备资产由黄金、外汇、特别提款权和国际货币基金组织的储备地位组成。选项A包含了所有这些内容，是正确答案。选项B、C、D都存在错误，不符合国际储备资产的构成。因此，答案为A。'
A:Loan execution B:Loan administration C:Credit review D:Credit analysis
AI参考:正确答案是：A:Loan execution。贷款的执行（loan execution）在贷款发放之前必须要完成，这是在发放贷款前必须完成的几个重要步骤之一。而B、C、D三项都是在贷款发放之后可能涉及到的过程。因此，本题正确答案是A。'
A:None of the above. B:It was engaged in foreign direct investment C:It was engaged in a cross-border acquisition D:It was engaged in portfolio investment
A:financial market B:financial instrument C:indirect finance D:direct finance
A:Secondary market B:Primary market C:Capital market D:Money market
AI参考:正确答案是A:Secondary market（二级市场）。二级市场是指已经发行的证券可以在市场上再次买卖的市场，因此选项A“二级市场”是正确答案。其他选项B（一级市场）、C（资本市场）、D（货币市场）都不符合题意。'
A:the money market B:the foreign exchange market C:the stock exchange D:the capital market
A:Finance B:Accounting C:Marketing D:Bookkeeping
AI参考:单选题】__is the recording，classifying，summarizing and interpreting of financial events and transactions that affect a business firm.（ ）根据题意，需要找出的是一项工作，它涉及到记录、分类、总结和解释影响商业公司的财务事件和交易。选项中，Finance（金融）通常涉及到资金流动和投资决策；Marketing（市场营销）主要关注销售和推广；Bookkeeping（簿记）是财务记录的基础工作，但并不涉及事件和交易的解释和总结。而Accounting（会计）主要就是负责记录、分类、总结和解释财务事件和交易，以确保公司财务状况的准确性和透明度。因此，根据题意和选项，正确答案是B：Accounting。'
A:medium-term B:long- term C:medium-and long-term D:short-term
AI参考:正确答案是D：short-term。根据句子意思，零售公司寻找短期融资来为即将到来的假期季节购买新库存，因此商业票据的例子是短期融资。所以选项D“short-term”是正确答案。其他选项的含义与句子意思不符。'
A:cash B:currency C:deposit D:coin
AI参考:正确选项是【C:deposit】。根据题干中的描述，顾客可以从家里或办公室将任何数量的存款转移到其他账户，无论地点如何。因此，选项C“存款”是最符合题意的答案。选项A“现金”和D“硬币”可能需要在特定地点提取和使用，而选项B“货币”则过于笼统，没有具体说明是哪种货币。'
A:the clearing house B:the investment bank C:another bank D:the central bank
AI参考:正确答案是C:another bank。Re-discount指的是在资金需要时，由贴现机构或银行将已经贴现但尚未到期的票据转贴现或再贴现给另一家银行的行为。因此，选项C“另一家银行”是正确答案。其他选项A、B、D都不符合题意。'
A:Exporter B:Importer C:Issuing bank D:Advising bank
A:standard of deferred payment B:unit of account C:medium of exchange D:store of value
AI参考:正确答案是C: medium of exchange 货币作为交换媒介时，它可以是人们观念中的货币。其中，货币的媒介功能是四个选项中最常用的一个，指的是货币在交易中的角色，即充当交易的媒介。其他选项的含义如下：A. 延期支付标准：这个概念与货币的支付功能有关，指的是一种用于延期支付债务或费用的标准。B. 记账单位：这个概念与货币的记账功能有关，即货币作为一种记录经济活动的方式。D. 储存价值：这个概念涉及到货币的储存和价值保持的功能，指的是货币可以作为一种价值的储存方式，即当其他商品的价值发生波动时，货币可以作为一种相对稳定的价值储存。所以只有C选项符合“当货币在执行交换媒介功能时，它可以作为人们观念中的货币”这一描述。因此，答案为C。'
A:funds B:interests C:benefits D:principals
AI参考:正确答案是C:benefits。保险公司通过支付保险金来换取保费，因此保险公司的业务就是支付给被保险人的利益。选项A“资金”和D“原则”与保险公司的业务无关，选项B“利益”虽然与保险有关，但与题目中的“pay ________ to the insured”不符。因此，正确答案是C“benefits”。'
A:maturity factoring B:disclosed factoring C:advance factoring D:undisclosed factoring
AI参考:正确选项是 D:undisclosed factoring 。根据题干中的描述，将保理业务分为是否通知债务人的因素，因此选项D是正确的，即未披露的保理业务。其他选项A、B和C都与题干中的描述不符。A选项是成熟保理，B选项是披露保理，C选项是预付保理，这些都不是根据是否通知债务人进行分类的。因此，正确答案是D。'
A:D/P B:L/C C:D/A D:T/T
AI参考:正确选项是 D:T/T，即“电汇”。电汇是一种常见的跨境汇款方式，汇款人通过银行将款项汇给收款人，收款人需要提供相应的收款信息以便银行能够将款项汇入账户。电汇是反向汇款的一种方式。其他选项中，D/P（付款交单）和L/C（信用证）是常见的国际贸易支付方式，而非反向汇款；D/A（承兑交单）则是承兑汇票的支付方式，也不是反向汇款。因此，只有选项 D 是符合反向汇款的选项。'
A:derivatives B:foreign exchange C:goods and services D:stocks and bonds
A:non-diversifiable risk B:business risk C:financial risk D:market risk
A:foreign exchange B:rediscount rate C:required reserve ratio D:open market operation
A:It is a credit under which payment must be effected on a specified future date. B:It is used as a means of avoiding the stamp duty payable on drafts. C:The beneficiary can discount in deferred credit. D:No draft is required for deferred credit.
A:health insurance B:life insurance C:property insurance D:personal accident insurance
AI参考:多选题：Personal insurance usually comprises________.（ ）A: health insurance B: life insurance C: property insurance D: personal accident insurance根据常识和保险的分类，个人保险通常包括健康保险、人寿保险、财产保险和意外伤害保险。其中，健康保险主要保障个人因疾病或意外导致的医疗费用；人寿保险主要保障个人在死亡、全残等情况下家庭经济来源的持续；财产保险主要保障个人财产的安全；而意外伤害保险则主要保障个人因意外导致的医疗费用和残疾赔偿。因此，正确选项为B、C、D。即：个人保险通常包括人寿保险、财产保险和意外伤害保险。'
A:collateral B:capacity C:capital D:character E:conditions
AI参考:答案是C，capital。信用评估的五个C指的是：Capital（资本）、Capacity（能力）、Credit（信用）、Conditions（条件）和Collateral（担保）。其中，资本是信用评估中最重要的一个C，因为它代表了借款人的财务实力和稳定性。其他选项如能力、信用和条件等也与信用评估有关，但不如资本重要。担保选项Collateral与信用评估也有一定关系，但通常不是信用评估的主要因素。因此，正确答案是C。'
A:exports of merchandise B:an increase of the deposit in a U.S. resident’s account at a foreign bank C:exports of services D:purchase of the U.S. Treasury bonds by non-residents
A:cashier’s note B:cashier’s order C:cashier’s check D:cashier’s promise
A:issuing bank B:advising bank C:applicant D:beneficiary
AI参考:正确选项是：A：issuing bank （开证行），B：advising bank （通知行），D：beneficiary （受益人）。信用证的基本当事人有开证申请人、开证银行、通知行和受益人。其中开证申请人也被称为申请人或付款人，其需要向开证行申请开证，因此开证申请人是最初发起者。开证银行接受申请人的指示向受益人开出信用证。通知行是根据受益人的指示，把已经承兑的信用证转送给受益人的银行。而受益人就是指享有权益的一方，例如交易中货物交付的一方，应当为收货人或货主。所以答案是ABD选项。'
A:Review and Approval B:Loan Disbursement C:Post-disbursement Management D:Application Acceptance E:Investigation and Assessment
A:the huge external debts B:the increase of bad debts in banks C:the decrease of bad debts in banks D:the collapse of bubble economy
AI参考:正确选项为A:the huge external debts。货币危机通常是由巨大的外部债务引起的。外部债务是指一国向国外借入的债务，如果这些债务的偿还出现问题，或者国外投资者对一国的经济状况失去信心，可能会引发货币危机。其他选项B、C、D虽然也可能对货币危机产生影响，但不是主要触发因素。'
A:pass B:substandard C:special mention D:doubtful E:loss
AI参考:正确选项是：C:special mention为了监测银行的资产质量并评估坏账准备是否充足，各种银行监管机构将贷款和贷款分为以下几类：特别提款（C选项）、标准不符（B选项）、可疑（D选项）、不良资产（E选项）以及信贷超额。在所有的选项中，特别提款是指由于借款人情况不佳或者偿还能力受到质疑等原因而进行特殊关注的贷款，它是唯一符合监测银行资产质量和评估坏账准备充足性的分类方式。因此，C选项是正确答案。'
A:lessee B:lessor C:maker D:beneficiary
A:pure risk B:commercial risk C:foreign exchange risk D:political risk
A:higher risks B:lower liquidity C:higher yields D:longer maturity
AI参考:正确选项为C和D，即“高收益”和“长到期时间”。资本市场的特点包括高风险、低流动性、高收益和长到期时间。其中，高收益是由于投资者需要承担更高的风险以获得更高的回报，而长到期时间则是因为资本市场中的投资通常需要更长的时间才能实现收益。因此，选项C和D是符合资本市场的特点的正确选项。选项A和B则不符合资本市场的特点，因为高风险和低流动性通常与资本市场相关联，而低收益则与资本市场的投资目标相矛盾。'
A:callable bonds B:floating-rate bonds C:general obligation bonds D:revenue bonds
A:preemptive rights B:profits receiving rights C:voting rights D:residual claiming rights
AI参考:正确选项为C：投票权。Common stocks（普通股）通常具有投票权、利润分配权、剩余财产要求权等权利。其中，投票权是普通股股东的一项重要权利，可以参与公司的重大决策。而其他选项中，preemptive rights（优先购买权）通常用于员工持股计划等特定情况，profits receiving rights（利润分配权）是指股东可以参与公司利润分配的权利，residual claiming rights（剩余财产要求权）是指股东在清算时可以要求公司剩余财产的权利。因此，只有C选项投票权是普通股的常见权利之一。'
A:Other corporations. B:Financial institutions. C:Wealthy individuals. D:Money market funds.
AI参考:正确选项为B：Financial institutions。商业票据通常由金融机构购买，而不是其他公司、富裕个人或货币市场基金。因此，选项B是正确答案。选项A、C、D都是可能的购买者，但它们不是商业票据的主要购买者。'
A:对 B:错
AI参考:正确答案是B：对。 Bonds payable是应付债券，属于流动负债。因此，该判断题正确，选B。"
A:对 B:错
AI参考:这是一个关于会计科目的基本知识。当一个公司向其所有者发行普通股时，公司的股东权益会增加。为了记录这一变化，应该借记普通股（Common Stock）。因此，这个判断题的正确答案是A：对。"
A:错 B:对
A:对 B:错
A:对 B:错
AI参考:答案：A。对。 根据常识和实际情况，TT电汇的付款银行通常是买家的开户银行，即买家所在国家的银行。因此，该题正确选项为A，即“对”。"
A:错 B:对
A:对 B:错
AI参考:答案：B：错。 解释： 本题中，sight credit和usance draft都是国际贸易中的支付方式，其中sight credit是即期信用证，usance draft是远期汇票。这两种方式在安全保障上没有明显的优劣之分，因此判断题目的说法是错误的。所以，选项B“错”是正确的答案。"
A:错 B:对
AI参考:正确答案是B:对。 为了抑制通货膨胀，中央银行可能会采取限制性的货币政策工具，包括提高利率和增加货币供应，所以这个判断题是正确的。"
A:错 B:对
A:错 B:对
AI参考:判断题答案为“B:对”。Syndicated loan是一种多边贷款，而非双边贷款。因此，这个说法是正确的。"
A:对 B:错
A:对 B:错
A:错 B:对
A:对 B:错
AI参考:答案是B：错。 标准交易所上市是一个昂贵且耗时的过程，超出许多较小公司的财务能力范围。因此，场外交易市场（OTC市场）对于小型公司或不想在标准交易所上市的人来说是一个替代选择。这个说法是错误的，实际上许多小型公司会选择在标准交易所上市，因为这有助于提高公司的知名度和信誉度，也有利于融资和发展。因此，标准交易所上市并非仅限于财务能力较强的公司，而是成为许多小型公司的首选。"
A:对 B:错
A:错 B:对
AI参考:正确答案是B：对。 Long position指的是持有比所持有的外汇更多的头寸，而short position指的是持有外汇净资产的头寸。因此，这个判断题的答案是B，即正确。"
A:对 B:错
A:对 B:错
A:对 B:错
AI参考:正确答案是A：对。 facultative reinsurance是一种自愿再保险协议，由分出公司与一个或多个再保险公司达成协议，前者同意承保，后者自动同意接受并保范围符合条约条件的再保险。因此，答案是A。"
A:错 B:对
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