金融英语证书考试Word文件下载.docx
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A.Cashbasis
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，andthe
exchangeratewillfall
B.supplyofsterlingwillincrease，demandforsterlingwillrise，andthe
exchangeratemayormaynotincrease
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
21.Acorrelationcoefficientof+1.0meanstwostocksare______。
A.perfectlynegativelycorrelated
B.oppositethemarketbeta
C.equaltothemarketbeta
D.perfectlypositivelycorrelated
22.Thepercentageanalysisofincreasesanddecreasesincorrespondingitemsincomparativefinancialstatementsiscalled______。
A.externalanalysis
B.horizontalanalysis
C.verticalanalysis
D.comparativeanalysis
23.Whatisthenameofthedocumentwhichcanmakeabuyerfeelconfidentthatgoodsareofacertainstandard？
A.Inspectioncertificate
B.Commercialinvoice
C.Insurancepolicy
D.Certificateoforigin
24.Sometimesfinancialintermediariesby"
borrowingshortandlendinglong"
findthemselvesindifficultfinancialsituationsbecause。
A.short-termratesarefalling
B.long-termratesarerising
C.depositsincreasetoorapidly
D.short-termratesriserelativetoratesoftheirholdings
E.long-termratesrisemoresharplythanshort-termrates
25.Incotermswerewritten______。
A.bytheInternationalChamberofCommerce
B.undertheUnitedNationsConventionfortheInternationalSaleofGoods（ViennaConvention）
C.undertheKyotoProtocolsasadoptedin2000
26.Thepurposeofkeepingaccountisto。
A.determinewhetherthebusinesshasmadeaprofitoraloss
B.findoutwhythebusinesshaslostmoney
C.seehowmuchhasbeenspent
D.findoutwhythebusinesscannotfulfilitscommitments
27.Ifreservesare20percent，thenthemultipliereffectwillbe______times，sotheoriginaldepositofRMB40000cancreateupto______ofnewdeposits。
A.5……RMB200000
B.4……RMB120000
C.3……RMB80000
D.6……RMB20000
28.ABCCompanyisthebeneficiaryofaconfirmedirrevocableletterofcredit.______bank（s）willassurethecompanythatitwillbepaid。
A.One
B.None
C.Three
D.Two
29.Legaltenderincludes。
A.notesandcoins
B.notesonly
C.coinsonly
D.notes，coinsandchecks
30.Thefollowingarethebasicfunctionsofabillofladingexcepttoactas______。
A.areceiptforthegoodsfromtheshippingcompanytotheexporter
B.adocumentoftitleforgoodsbeingshippedoverseas
C.acertificateoforigin，whichcertifiesthatthegoodswereproducedinaparticularcountry
D.evidenceofthecarriagecontractbetweentheexporterandthecarrier
31.Persistentforeigntradedeficitsunderaflexibleexchangeratesystemusuallyleadto______。
A.inflationinthedomesticeconomy
B.speculationoffuturedevaluation
C.fallinginterestrates
D.risingimports
32.Theadditionalamountpaidinbuyingorsellingacurrencyatagivenfuturedateiscalled。
A.premium
B.commission
C.tariff
D.dividend
33.Banksmanagetheirassetsconsidering______。
A.risk
B.someoptimumcombinationoftheabove
C.earnings
D.liquidity
34.Whatisthefunctionofthebook-keepingsysteminbankaccounting？
A.Toprovethatalltheday'
stransactionshavegonethroughfortherightamount
B.Toprovethatalltheday'
stransactionshaveallbeenpostedtotherightaccount
C.Toprovethatthefreshbalanceofthoseaccountsiscorrectafterrecordingthetransactions
35.Theriskthatisspecifictoindividualstocksiscalled______。
A.systematicrisk
B.countryrisk
C.unsystematicrisk
D.marketrisk
36.ThemainobjectiveoftheExchangeEqualizationAccountisto______。
A.preventunduefluctuationintheexchangevalueofonecountry'
sowncurrencyagainstothercurrencies
B.controltherateofinflation
C.ensurethatnotesandcoinscontinuetobeacceptableasamediumofexchange
D.permittheexchangeofpaymentsbetweenbanks
37.Howcanyouprovethatnotransactionsaremissingorwrongattheendoftheday？
A.Thereisnootherwaythanhavethesetransactionsrepostedtotheproperentries
B.Wecanexamineallthetransactionscarefullyandfindthewrongrecords
C.Wecanbalancethetotaldebitsandthetotalcreditsbycalculatingthemagain
D.Wecandothatbycheckingthetotaldebitsandthetotalcreditstoseewhethertheyareinstateofbalance
38.Money_____。
A.servesasthecriticalfunctionofamediumofexchange
B.facilitatestradeingoodsandservices
C.overcomestheinefficienciesofbarter
D.alloftheabove
39.Ifdealersbuycurrencyforwardbutdonotsellforwardatthesametime，theirpositionisknownas。
A.short
B
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