国际结算英文版课后练习答案

ChapterOne1.Fillintheblankstocompleteeachsentence.(1)locallegalsystem,political,exchangerisks(2)openaccount,advancepayment,remittanceandcollection(3)letterofcredit,bankguarantee(4)priceterms,deliveryterms(5)least/minimum,most/maximum(6)advancepayment(7)openaccount(8)cleancollection,documentarycollection2.略3.TranslatethefollowingtermsintoEnglish.(1)settlementonbankcredit(2)thepotentialforcurrencyfluctuation(3)toclearthegoodsforexport(4)topaytheinsurancepremium(5)tocarryoutexportformalities(6)themajorparticipantsininternationaltrade(7)thecommodityinspectionclause(8)tofulfilltheobligationtodeliverthegoods(9)thegoodshavepassedovertheship’srail(10)Internationalcontractisconcludedinacompletelydifferentcontextthandomesticones4．Decidewhetherthefollowingstatementsaretrueorfalse.(1)F(2)F(3)T(4)T(5)T(6)T(7)F(8)T(9)T(10)F5.Choosethebestanswertoeachofthefollowingstatements(1)-(5)BCCBD(6)-(10)DACCC(16)-(20)DCACD(11)-(15)BDDCDChapterTwo1.Fillintheblankstocompleteeachsentence.(1)barter(2)mediumofexchange(3)expensive,risky(4)our(5)Vostro(6)vostro(7)nostro(8)specimenofauthorizedsignatures,telegraphictestkeys,termsandconditions,Swiftauthentickeys2.Definethefollowingterms(1)Correspondentrelationship〖Abankhavingdirectconnectionorfriendlyservicerelationswithanotherbank.〗(2)Internationalsettlements〖Internationalsettlementsarefinancialactivitiesconductedamongdifferentcountriesinwhichpaymentsareeffectedorfundsaretransferredfromonecountrytoanotherinordertosettleaccounts,debts,claims,etc.emergedinthecourseofpolitical,economicorculturalcontractsamongthem.〗(3)Visibletrade〖Theexchangeofgoodsandcommoditiesbetweenthebuyerandtheselleracrossborders.〗(4)Financialtransaction〖Internationalfinancialtransactioncoversforeignexchangemarkettransactions,governmentsupportedexportcredits,syndicatedloans,internationalbondissues,etc.〗1

(5).Vostroaccount〖Vostroaccountisanaccountheldbyabankonbehalfofacorrespondentbank.〗3.TranslatethefollowingtermsintoEnglish.(1)commercialcredit(2)controldocuments(3)accountrelationship(4)cashsettlement(5)financialintermediary(6)creditadvice(7)agencyarrangement(8)creditbalance(9)reimbursementmethod(10)testkey/code4．Decidewhetherthefollowingstatementsaretrueorfalse.(1)T(2)F(3)F(4)T(5)F5.Choosethebestanswertoeachofthefollowingstatements(1)-(5)BCDAD(6)-(10)BBDABChapterThree1.DefinethefollowingTerms:(1)Negotiableinstrument〖“Anegotiableinstrumentisachoseinaction,thefullandlegaltitletowhichistransferablebydeliveryoftheinstrument(possiblywiththetransferor’sendorsement)withtheresultthatcompleteownershipoftheinstrumentandallthepropertyitrepresentspassesfreefromequitiestothetransferee,providingthelattertakestheinstrumentingoodfaithandforvalue.”〗(2)Billofexchange〖Abillofexchangeisanunconditionalorderinwriting,addressedbyonepersontoanother,signedbythepersongivingit,requiringthepersontowhomitisaddressedtopayondemand,oratafixedordeterminablefuturetime,asumcertaininmoney,toortotheorderofaspecifiedperson,ortobearer.〗(3)Check〖Acheckisanunconditionalorderinwritingaddressedbythecustomertoabanksignedbythatcustomerauthorizingthebanktopayondemandaspecifiedsumofmoneytoortotheorderofanamedpersonortobearer.〗(4)Documentarybill〖Itisabillwithshippingdocumentsattachedthereto.〗(5)Crossing〖Acrossingisineffectaninstructiontothepayingbankfromthedrawerorholdertopaythefundtoabankonly.〗2.TranslatethefollowingtermsintoEnglish.(1)一般划线支票〖generallycrossedcheck〗(2)特殊划线支票〖speciallycrossedcheck〗(3)过期支票〖acheckthatisoutofdate〗(4)未到期支票〖postdatedcheck〗(5)大小写金额〖amountinwords〗(6)白背书〖blankendorsement〗(7)特别背书〖specialendorsement〗(8)限制性背书〖restrictiveendorsement〗(9)跟单汇票〖documentarybill〗(10)即期汇票〖sightdraft〗(11)远期汇票〖usance/termbill〗(12)承兑汇票〖acceptancebill〗(13)可确定的未来某一天〖determinablefuturedate〗(14)光票〖cleanbill〗(15)流通票据〖negotiableinstrument〗(16)贴现行〖discountinghouse〗2

(17)商人银行〖merchantbank〗(18)无条件的付款承诺〖unconditionalpromiseofpayment〗(19)负连带责任〖jointlyandseverallyresponsible〗(20)出票后90天付款〖payable90daysafterdate〗3.Decidewhetherthefollowingstatementsaretrueorfalse.(1)T(2)F(3)T(4)T(5)T(6)F(7)T(8)T(9)T(10)T(11)F(12)T(13)T(14)F(15)T(16)T(17)T(18)F(19)F(20)F4.Choosethebestanswertoeachofthefollowingstatements(1)-(5)CACBC(6)-(10)BACBB(16)-(20)BBAAC(11)-(15)BDCCC5-7略ChapterFour1.Fillintheblankstocompleteeachsentence.(1)beneficiary(2)paymentorder/mailadvice/debitadvice(3)theremittanceamountislarge/thetransferoffundsissubjecttoatimelimit/testkey(4)sellittohisownbankforcreditinghisaccount(5)debits/credits(6)demanddraft(7)actofdishonor(8)swiftness/reliability/safety/inexpensiveness(9)debitingremittingbank’snostroaccount(10)deliveryofthegoods2.DefinethefollowingTerms.(1)Internationalremittancemeansaclient(payer)askshisbanktosendasumofmoneytoabeneficiaryabroadbyoneofthetransfermethodsathisoptionwhilethebeneficiarycanbepaidatthedesignatedbankwhichiseithertheremittingbank’soverseasbranchoritscorrespondentwithanostroaccount.(2)Remittingbankisthebanktransferringfundsattherequestofaremittertoitscorrespondentoritsbranchinanothercountryandinstructingthelattertopayacertainamountofmoneytoabeneficiary.(3)Amailtransferistotransferfundsbymeansofapaymentorderoramailadvice,orsometimesadebitadviceissuedbyaremittingbank,attherequestoftheremitter.(4)Demanddrafttransferisaremittancemethodusingabankdemanddraft.Itisanegotiableinstrumentdrawnbyonebankonitsoverseasbranchoritscorrespondentabroadorderingthelattertopayondemandthestatedamounttotheholderofthedraft.(5)Cancellationofthereimbursementundermailtransferortelegraphictransferisusuallydonebeforeitspaymentismadeattherequestoftheremitterorthepayeewhorefusestoreceivethepayment.3.TranslatethefollowingtermsintoEnglish.(1)汇款通知单remittanceadvice(2)汇出汇款outwardremittance(4)往来账户currentaccount(6)作为偿付incover(3)国际汇款单internationalmoneyorder(5)自动支付系统automatedpaymentsystem(7)赔偿保证书letterofindemnity(8)信汇通知书mailadvice(9)汇票的不可流通副本non-negotiablecopyofdraft(10)首期付款downpayment4.Choosethebestanswertoeachofthefollowingstatements3

(1)-(5)BCABD(6)-(10)BBBAAChapterFive1.Fillintheblankstocompleteeachsentence.(1)presentingbank(2)titledocuments/paysthedraft/acceptstheobligationtodoso(3)legal/theexchangecontrolauthorities(4)thepaymentismade(5)openaccount/advancepayment(6)Inwardcollection(7).theremittingbank(8)trustreceipt(9)D/Patsight(10)documents,draft,andcollectionorder2.Definethefollowingterms(1)Collectionisanarrangementwherebythegoodsareshippedandarelevantbillofexchangeisdrawnbytheselleronthebuyer,and/orshippingdocumentsareforwardedtotheseller’sbankwithclearinstructionsforcollectionthroughoneofitscorrespondentbankslocatedinthedomicileofthebuyer.(2)Thecaseofneedistherepresentativeappointedbytheprincipaltoactascaseofneedintheeventofnon-acceptanceand/ornon-payment,whosepowershouldbeclearlyandfullystatedinthecollection.(3)Documentarycollectionisacollectionoffinancialinstrumentsbeingaccompaniedbycommercialdocumentsorcollectionofcommercialdocumentswithoutbeingaccompaniedbyfinancialinstruments,thatis,commercialdocumentswithoutabillofexchange.Alternatively,thedocumentarycollectionisapaymentmechanismthatallowstheexporterstoretainownershipofthegoodsuntiltheyreceivepaymentorarereasonablycertainthattheywillreceiveit.(4)Outwardcollectionisabankingbusinessinwhichabankactingastheremittingbanksendsthedraftdrawnagainstanexportwithorwithoutshippingdocumentsattached,toanappropriateoverseasbank,namely,thecollectingbanktogetthepaymentoracceptancefromtheimporter.(5)Collectionbillpurchasedisakindoffinancingbybanksforexportersunderdocumentarycollectionmethods.Itmeansthattheremittingbankpurchasesthedocumentarybilldrawnbytheexporterontheimporter.Itinvolvesgreatriskfortheremittingbankduetolackofaguarantee.3.TranslatethefollowingtermsintoEnglish.(1)承兑交单(3)需要时的代理人(5)物权单据(7)直接托收(9)付款交单acceptanceagainstdocuments(2)商业承兑汇票tradeacceptance(4)出口押汇(6)以寄售方式(8)货运单据(10)远期汇票caseofneedexportbillpurchasedtitledocumentonconsignmentdirectcollectionshippingdocumentsdocumentsagainstpaymenttime/tenor/term/usancedraft4.Choosethebestanswertoeachofthefollowingstatements(1)-(5)ABCAB(6)-(10)ACAADChapterSix1.Definethefollowingterms:(1)Letterofcredit〖TheDocumentaryCreditorletterofcreditisanundertakingissuedbyabankfortheaccountofthebuyer(theapplicant)orforitsownaccount,topaythebeneficiarythevalueofthedraftand/ordocumentsprovidedthatthetermsandconditionsofthedocumentarycreditarecompliedwith.〗(2)Confirmedletterofcredit〖Acreditthatcarriesthecommitmenttopaybyboththeissuingbankandtheadvisingbank.〗(3)Revolvingcredit〖Acreditbywhich,underthetermsandconditionsthereof,theamountisrenewedorreinstatedwithoutspecificamendmentstothedocumentarycreditbeingrequired.〗4

(4)Confirmingbank〖Abank,usuallytheadvisingbank,whichaddsitsundertakingtothoseoftheissuingbankandassumesliabilityunderthecredit.〗(5)Applicantofthecredit〖Theapplicantisalwaysanimporterorabuyer,whofillsoutandsignsanapplicationform,requestingthebanktoissueacreditinfavorofanexporterorasellerabroad.〗2.TranslatethefollowingtermsorsentencesintoEnglish.(1)未授权保兑〖(2)有效地点为开证行所在地的柜台〖(3)凭代表物权的单据付款〖topayagainstdocumentsrepresentingthegoods〗(4)信用证以银行信用代替了商业信用。〖Acreditplacesabank’screditinsteadofcommercialcredit.〗(5)信用证Acreditstandsindependentofthesalescontract.〗silentconfirmation〗toexpireatthecountersoftheissuingbank〗独立于它所代表的商业合同。〖3.Decidewhetherthefollowingstatementsaretrueorfalse.(1)F(2)F(3)T(4)F(5)T(6)F(7)F(8)T(9)F(10)F(11)T(12)T(13)F(14)F(15)T4.Choosethebestanswertoeachofthefollowingstatements(1)-(5)BCDBA(6)-(10)DDCCC(11)-(15)DDADB(16)-(20)DDDABChapterSeven1.Fillintheblankstocompleteeachsentence.(1)completeness,correctness,consistency(2)underlyingtransaction(3)authorizedsignatures,testkey(4)complywith(5)ISOcurrencycode2.TranslatethefollowingtermsorsentencesintoEnglish.(1)信用证表(2)标准国际银行惯例〖internationalstandardbankingpractice〗(3)信息交换系统〖datacommunicationnetwork〗(4)有足够的tohavesufficientfundstocoverthecredit〗Itisequallyimportantthatthebuyer’sownrequirementsbetakeninto面的真实性〖theapparentauthenticityofthecredit〗资金来支付信用证〖(5)买方考虑自己的要求也同样的重要〖account.〗3.Decidewhetherthefollowingstatementsaretrueorfalse.(1)F(2)F(3)F(4)T(5)T(6)T(7)F(8)T(9)F(10)T4.Choosethebestanswertoeachofthefollowingstatements(1)-(5)CDCBC(6)-(10)CAADD(11)-(15)ADDABChapterEight1.Definethefollowingterms:(1)Commercialinvoice〖Thecommercialinvoiceisthekeyaccountingdocumentdescribingthecommercialtransactionbetweenthebuyerandtheseller.Itisadocumentgivingdetailsofgoods,service,price,quantity,settlementtermsandshipment.〗(2)Exportlicense〖Anexportlicenseisadocumentpreparedbyagovernmentauthorityofanationgrantingtherighttoexportaspecificquantityofacommoditytoaspecifiedcountry.〗(3)Billoflading〖Abillofladingisadocumentissuedbyacarriertoashipper,signedbythecaptain,agent,orownerofavessel,providingwrittenevidenceregardingreceiptofthegoods,theconditionsonwhichtransportationismade,andtheengagementtodelivergoodsattheprescribedportofdestinationtothelawfulholderofthebilloflading.〗(4)Inspectioncertificate〖Adocumentissuedbyanauthorityindicatingthatgoodshavebeeninspectedpriortoshipmentandtheresultsoftheinspection.〗(5)Consularinvoice〖Aconsularinvoiceisaninvoicecoveringashipmentofgoodscertifiedinthecountryofexportby5

alocalconsulofthecountryforwhichthemerchandiseisdestined.〗II.TranslatethefollowingintoEnglish:(1)战略产品〖strategiccommodity〗(2)普惠制〖GeneralSystemofPreference〗(3)有预订的泊位〖withreservedberth〗(4)多式联运提单〖multi-modaltransportbilloflading〗(5)抽样方式〖samplingmethodology〗3.Decidewhetherthefollowingstatementsaretrueorfalse.(1)F(2)F(3)T(4)T(5)F(6)F(7)F(8)T(9)T(10)F4.Choosethebestanswertoeachofthefollowingstatements(1)-(5)ABDAC(6)-(10)CCCDA(11)-(15)DDAAA(16)-(20)ABACDChapterNine1.Fillintheblankstocompleteeachsentence.(1)acceptableaccountsreceivable/non-recourseandnotification(2)collectionaswellastheriskofcreditlosses(3)thelevelofsales(4)changesintheworldeconomicstructure(5)growingdemands(6)purchasingtheclient’saccountsreceivables(7)financialandadministration(8)theinvoicedate/thecustomermakeshispayment(9)marketconditionsandhisassessmentoftherisksinvolvedinaparticulartransaction(10)fluctuationsintheexchangerate/inthestatusofthedebtor2.Definethefollowingterms(1)Factoringisaformoftradefinancingthatallowssellerstoselltheirproductstooverseasbuyersessentiallyonanopenaccountbasis.Insimpleterms,factoringisthepurchaseofclaims,arisingfromsalesofgoods,byaspecializedcompanyknownasfactoringcompanyorfactor.Factoringisinfactathree-partytransactionbetweenthefactorandabusinessentity,i.e.theexportersellinggoodsorprovidingservicestoforeigntheimporter.(2)Forfaitingisthetermgenerallyusedtodenotethepurchaseofobligationsfallingdueatsomefuturedate,arisingfromdeliveriesofgoodsandservices--mostlyexporttransactions--withoutrecoursetoanypreviousholderoftheobligation.Simplyspeaking,forfaitingisthebusinessofdiscountingmedium-termpromissorynotesordraftsrelatedtoaninternationaltradetransaction.3.TranslatethefollowingtermsintoEnglish.(1)或有负债contingentliability(3)卖方信贷suppliercredit(5)信用审定creditapproval(7)买方信贷担保buyercreditguarantee(9)贸易壁垒tradebarrier(2)信用额度creditlimit(4)无追索权的withoutrecourse(6)资本货物capitalgoods(8)福费廷融资便利forfaitingfacility(10)大宗采购折扣bulkpurchasediscount4.Choosethebestanswertoeachofthefollowingstatements(1)B(2)A(3)D(4)C(5)DChapter101.Fillintheblankstocompleteeachsentence.(1)securemechanismforpayment/defaultinstrument(2)partytendering/thecontracthasbeenawarded(3)presentationofthebeneficiary’sdemandandstipulateddocumentation6

(4)issueaguaranteedirectlytothebeneficiary(5)Unconditionalbonds(6)withdrawitsbid/accepttheawardofcontractinitsfavor/between2%and5%(7)UCPfordocumentarycredits/UniformRulesforDemandGuarantee.(8)Anadvancepayment(9)borrower(theprincipal)/thelender(thebeneficiary)(10)counterindemnity2.Definethefollowingterms(1)Abankguaranteeisaninstrumentforsecuringperformanceorpaymentespeciallyininternationalbusiness.Itisawrittenpromiseissuedbyabankattherequestofitscustomer,undertakingtomakepaymenttothebeneficiarywithinthelimitsofastatedsumofmoneyintheeventofdefaultbytheprincipal.Itmayalsobedefinedasanindependentobligationwheretheguarantorhastomakeaspecialagreementwithitscustomer,ensuringthatitwillberefundedbyhimforanypaymenttobeeffectedunderthecontractofguarantee.(2)Abeneficiaryisthepartyinwhosefavortheguaranteeisissued.Heissecuredagainsttheriskoftheprincipal’snotfulfillinghisobligationstowardsthebeneficiaryinrespectoftheunderlyingtransactionforwhichthedemandguaranteeisgiven.Hewillnotobtainasumofmoneyiftheobligationsarenotfulfilled.(3)Anindirectguaranteeisaguaranteewhereasecondbank,usuallyaforeignbanklocatedinthebeneficiary’scountryofdomicile,willberequestedbytheinitiatingbanktoissueaguaranteeinreturnforthelatter’scounter-guarantee.(4)Aperformancebondisanundertakinggivenbytheguarantorattherequestofasupplierofgoodsorservicesoracontractortoabuyerorbeneficiary,wherebytheguarantorundertakestomakepaymenttothebeneficiarywithinthelimitofastatedsumofmoneyintheeventofdefaultbythesupplierorthecontractorindueperformanceofthetermsofacontractbetweentheprincipalandthebeneficiary.(5)Astandbyletterofcreditisacleanletterofcreditthatgenerallyguaranteesthepaymenttobemadeforanunfulfilledobligationonthepartoftheapplicant.Itispayableonpresentationofadrafttogetherwithasignedstatementorcertificatebythebeneficiarythattheapplicanthasfailedtofulfillhisobligation.3.TranslatethefollowingtermsintoEnglish.(1)履约保函performancebond(2)担保(4)附属保函(6)工程承包engineeringcontracting(8)见索即付保函(10)反担保书，保函letterofguarantee(3)反赔偿counterindemnityaccessoryguarantee(5)备用信用证stand-byletterofcredit(7)基础交易underlyingtransactiondemandguarantee(9)延期付款保函deferredpaymentbondcounterguarantee4.Choosethebestanswertoeachofthefollowingstatements(1)-(5)BAADC(6)-(10)BCDBAChapter111.Fillintheblankstocompleteeachsentence.(1)collectionoperationsfordraftsandfordocumentarycollections(2)allcollections/collectioninstruction(3)allDocumentaryCredits/Credit(4)allBank-to-BankReimbursements/ReimbursementAuthorization.(5)anydemandguaranteeandamendmentthereto/Guaranteeoranyamendmentthereto.(6)documents/goods/termsandconditions(7)codificationofrules/bankingpracticeregardingdocumentarycredits(8)internationalfinance,trade,transportationandcomputertechnology(9)quitedifferentfromthepracticeofguarantee/bankingandcommercial(10)bank-to-bankreimbursements7

2.TranslatethefollowingtermsintoEnglish.(1)索偿reimbursementclaim(2)仲裁书arbitralaward(3)银行委员会bankingcommission(4)多式联运multi-modeltransport(5)偿付保证reimbursementundertaking(6)银行惯例bankingpractices(7)集装箱运输containerizedtraffic(8)非转让运输单据non-negotiablewaybill(9)远期托收提示tenorcollectionpresentation(10)国际商会InternationalChamberofCommerce3.FillinthefollowingtableoftheimprovementofUCPTimeofadoption/operationFullnameShortnameFeaturesICCAmsterdamUniformRulesforICCpublicationPutintopracticebybanksonlyinParisandBelgium,No.74.yetstillofgreatimportance,givingauniformdefinitionofdocumentarycredit,andexplainingsometermsandtherightsandobligationsofpartiesconcerned.Congressin1929/in1930CommercialDocumentaryCredits1933ICCViennaUniformCustomsICCpublicationAcceptedbybanksthroughoutContinentalEuropeCongress/JanuaryandPracticeforNo.821,1952CommercialDocumentaryCredits1951ICCLisbonUniformCustomsICCpublicationTakingnoteofpostwarAmericanpracticeandthenecessityofalteringcertainmatters.Congress/in1952.andPracticeforNo.151CommercialSecuringthecollectiveadherenceofbanksinsomethirtycountries.PublishedinFrench.DocumentaryCredits1962ICCMexicanUniformCustomsICCpublicationAdoptedbybanksfrommorethan100countries.PublishedinEnglishratherthaninFrench,furthermakingUCPbecomecustomsandpracticeworldwide.CityCongress/July1,1963andPracticeforNo.222DocumentaryCredits(UCP)1974ICCMadridUniformCustomsICCpublicationTakingintoaccountcontainerizedtraffic.Adoptedbymorethan160countries.CongressandPracticeforNo.290DocumentaryCredits(UCP)/October1,1975With47articlesIn1983/UniformCustomsICCpublicationReflectingthedevelopmentofmulti-transportationandcontainerizedtraffic,thefrequentuseofnon-negotiablewaybills,theelectronicinter-bankcommunicationandthedevelopmentofstand-byletterofcredit.With55articles.October1,1984andPracticeforNo.400DocumentaryCredits(UCP)In1993/UniformCustomsICCpublicationThevalidversionwith49articles.January1,1994andPracticeforNo.500DocumentaryCredits(UCP)July2007UniformCustomsICCpublicationThecurrentvalidversionwith39articles.andPracticeforNo.600DocumentaryCredits8(UCP)4.Choosethebestanswertoeachofthefollowingstatements.(1)B(2)D(3)C(4)A(5)DChapter121.Fillintheblankstocompleteeachsentence.(1)paymentinformation/transfervalue(2)confirmationnumber/confirmationhelpandnotification(3)forproceduresandmessageformats/computerreadable(4)information/value/netamount(5)highspeedandaccuracy(6)accesstothesystemforthesettlementofinternationalmoneytransfers(7)faster,morereliablecommunication/lowertransmissioncosts(8)theinternationalclearinghouse(9)standardizedformats(10)ClearingHouseAutomatedPaymentSystem/CHIPS2.Definethefollowingterms(1)Apaymentsystemisthemeanswherebycashvalueistransferredbetweenapayer’sbankaccountandapayee’sbankaccount.(2)SWIFT(SocietyforWorldwideInter-bankFinancialTelecommunication)isacomputerizedinternationaltelecommunicationssystemwhich,throughstandardizedformattedmessages,rapidlyprocessesandtransmitsfinancialtransactionsandinformationamongitsmembersaroundtheworld.(3)CHIPS(ClearingHouseInter-bankPaymentSystem)isapseudo-wiresysteminNewYorkCitythathandlesanenormousvolumeofcashflowbetweenlocalfinancialinstitutions.CHIPSisasettlementsysteminvolvingprimarilyabout135NewYorkCityfinancialinstitutionsandisoperatedbytheNewYorkClearingHouseAssociation.(4)ClearingHouseAutomatedPaymentsSystem(CHAPS)isasystemofsendingandclearingpaymentsonasame-daybasisthatisavailablenationwideinBritainandisoperatedbyanumberofsettlementbanksthatcommunicatedirectlythroughcomputers.(5)FedWireisafund-transfersystemoperatednationwideintheUSAbytheFederalReserveSystem(theFed,CentralBankoftheUSA)thathandlestransferfromonefinancialinstitutiontoanotherwithanaccountbalanceheldwiththeFed.3.TranslatethefollowingtermsintoEnglish.(1)现金头(2)簿记入账(3)金融中介(4)客户汇款(5)账目核对(6)联储银行支付系统(7)非结算银行(8)资金调拨系统(9)次支付体系(10)储备余额账户(11)自动票据交换所(12)银行头寸调拨(13)非盈利性合作协会(14)外汇买卖和存放款(15)票据交换所银行同cashpositionsbookkeepingentryfinancialintermediarycustomertransfersaccountreconciliationFedWirenon-settlementbankfundtransfersystemsecondarypaymentsystemreservebalanceaccountautomatedclearinghousefinancialinstitutiontransfersnon-profitcooperativesocietyforeignexchangedealandloan业清算系统ClearingHouseInter-bankPaymentsSystem4.Decidewhetherthefollowingstatementsaretrueorfalse.9(1)T(2)T(3)F(4)T(5)F5.Choosethebestanswertoeachofthefollowingstatements.(1)B(2)A(3)D(4)B(5)CChapter131.Fillintheblankstocompleteeachsentence.(1)purchaserortheholder/replaced(2)clerkortheteller/asmallcommission(3)theinitialsignature/thecountersignature(4)bankinginstruments/retailing(5)(assigned)merchant(6)annualincomeandthecreditstanding(7)issuance,applicationandclearing(8)consumer’scredit/currentaccount(9)separatelistingoftheirchequenumbers(10)payingthebillinfull/drawingrevolvingcredit2.Definethefollowingterms(1)Atraveler’schequeisaspeciallyprintedformofchequeissuedbyafinancialinstitution,leadinghotels,andotheragenciesinpreprinteddenominationsforafixedamounttoacustomerforusewhenheisgoingtotravelabroad.Atraveler’schequeisactuallyadraftofabankorotheragency,whichisself-identifyingandmaybecashedatbanks,hotels,etc.,eitherthroughouttheworldorinparticularareasonly.(2)Apayingagentisonethatundertakesbyarrangementwiththeissuertopaythelatter’straveler’schequeswhenpresentedbytheholder.(3)Creditcardsareinstrumentsissuedbybankstocarefullyselectedcustomerswithalineofcreditrangingfromseveralhundredtoseveralthousanddollarsbasedonthelatter’sfinancialstatusforuseinobtaining,oncredit,consumergoods,servicesandotherthingswhennecessary.(4)Acardholderisthecustomerwhohasacurrentaccountwiththecard-issuingbankandwhosecreditisgood,andwhobasedonhisfinancialstatuscanobtain,oncredit,consumergoods,servicesandotherthingswhennecessary.(5)Amerchantisastore,hotelorrestaurantthatisboundtohaveapre-arrangementwiththecard-issuingbankandiswillingtoacceptt