金融英语知到章节答案智慧树2023年哈尔滨金融学院

金融英语知到章节测试答案智慧树2023年最新哈尔滨金融学院绪论单元测试FinancialEnglishbelongsto“_______”,whichisakindofprofessionalEnglish.()

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EnglishforSpecificPurposeIt’sbettertostudythecoursein_______academicyear.()

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thethirdorthefourthEconomicglobalizationandfinancialintegrationareinevitabletendencies.（）

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

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对Tolearnthecoursewell,moreimportanceshouldbeattachedtothefinancialknowledgethanspecializedEnglishwordsandexpressions.（）

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错第一章测试Ariseofinterestrateswillcause（）

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adecreaseinborrowingandadecreaseincreditcreationWhichofthefollowingisnotoneofthefunctionsofmoney?()

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financialassetsWhatisthefactorthatledtotheinventionofmoney?()

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difficultiesandinefficiencyofthebartersystemIfthemoneysupplylagsbehindproduction,theeconomymaysufferfromwithequallyundesirableeffects.()

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deflationNarrowmoneyrefersto.()

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M0andM1Strictlyspeaking,moneyiscurrency.（）

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错Moneyistheuniqueforminwhichwealthcanbeheld.（）

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错Interestratesmoveinthesamedirectionwiththatofthestockindex.（）

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错Nominalinterestrateisunadjustedforinflation.（）

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对Raisingthereserverequirementratiowillreleaseliquidity.（）

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错第二章测试Basedonthedataof2019,thebiggestgeographictradingcenterforforeignexchangeisprimarily_______.（）

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London_______isthedateonwhichthemoneymustbepaidtothepartiesinvolvedinspottransaction.（）

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ThevaluedateSupposeasmallChinesefirmsoldsomegoodstoaJapanesefirm,anditwillreceivepaymentof1millionyenin60days.Whichofthefollowingstatementisright?（）

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TheChinesefirmcanenterintoaforwardcontracttosell1millionyenin60days.Swaptransactionsinvolvetwo_______inseparablecontractdeals,usuallythefirstforspotdelivery,andthesecondforfuturedelivery.（）

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

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optiontransactionForeignbanknotesarenotforeignexchangeinthenarrowersense.（）

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对Quotesusingacountry’shomecurrencyastheunitcurrencyareknownasdirectquotation.（）

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错Futurescontractscanbecustomizedtomeetparticularcustomerneeds.（）

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错Itisestimatedthatspeculationaccountsforonly10%ofthedailytradingactivityinforeignexchangemarket.（）

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错Opportunitiesforactualarbitrageinforeignexchangemarketarerare.（）

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对第三章测试Accordingtotheprincipleofthebalancedbalanceofpayments,ifacountryreducesitsforeignexchangereservesby$20millionandthestatisticaldiscrepancyisinthecreditentryof$5millioninagivenperiodoftime,thecountryruns_____ofitsbalanceofpaymentsduringthatperiodoftime.（）

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$25milliondeficitsIntermsofbalance-of-paymentsaccount,whichofthefollowingwouldberecordedasadebitentryintheU.S.BOP?()

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nullThebalanceofpaymentsisastatisticalrecordwhichmeasuresthetotalvalueof__.()

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alleconomicandfinancialtransactionsbetweentheresidentsandnon-residentsforagivenperiodoftimeThetradedeficitmeansthat___.()

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residentsareimportingmoregoodsthantheyareexportingIntheshort-term,abalanceofpaymentssurplusboostseconomicgrowth.()

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对Balanceofpayments()

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isdefinedasthestatisticalrecordofacountry’sinternationaltransactionsoveracertainperiodoftimepresentedintheformofadouble-entrybookkeeping;canbeusedtoevaluatetheperformanceofacountryininternationaleconomiccompetition;providesdetailedinformationconcerningthedemandandsupplyofacountry’scurrencyAcountry’sinternationaltransactionscanbegroupedinto_______threemaintypes.()

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currentaccount;officialreserveaccount;capitalaccountSincethebalanceofpaymentsispresentedasasystemofdouble-entrybookkeeping,__.()

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everycreditintheaccountisbalancedbyamatchingdebit;everytransactionmustberecordedtwice;everydebitintheaccountisbalancedbyamatchingcreditThetransactionaU.S.embassyinBeijingpayssalariestoitsAmericanstaffsisincludedinChina’sbalance-of-paymentsaccount.()

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错Thedemandforacountry’sexportsimpactsthevalueofitscurrency.()

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对第四章测试Whywouldacompanyissuecommercialpaper?()

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Tofinanceshorttermthings.Eurocurrencydepositsare().

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heldbybanksinonecountryinthecurrencyofanotherWhatisamajoradvantageofmoneymarketinstruments?()

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Allareright.Borrowersobtainfundsfromlendersbysellingtolendersnewlyissuedclaimsinthefinancialmarkets,eg.stockmarketorbondmarket,andwecallthisway().

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directfinanceTheinstrumentstradedinmoneymarketshavesomecommonfeatures,including().

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short-termmaturities;moreliquidandsafer;largedenominations;lowdefaultriskandlowyieldsOntheinternationallevel,therearetwopillarsunderpinningtheRMBinternationalization,theyare().

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China’sgoldreservesandforeignexchangereserves;thecreditworthinessofChinaastheworld’ssecond-largesteconomyBasedonthematurityofthesecuritiestradedinthemarket,financialmarketscanbeclassifiedintoprimarymarketandsecondarymarket.（）

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错T-billsareshort-termsecuritiesthatmatureinoneyearorlessfromtheirissuedate.（）

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对CDsofferaslightlyloweryieldthanT-billsbecausethebank’sdefaultriskislower.（）

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错Reposareshort-termcollateralizedloansusedbysecuritiesdealersandothermarketparticipantsasasourceoflowcostfinancingmethod.（）

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对第五章测试Animportantfinancialinstitutionthatassistsintheinitialsaleofsecuritiesintheprimarymarketisthe().

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investmentbankTheNewYorkStockExchangeisthemostimportantexampleofa()financialmarket.

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secondaryCapitalmarketsaremorefrequentlyusedfor()assets,whicharethosewithmaturitiesofgreaterthanoneyear.

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long-termWhenacompanyissuespublicstocknewlytoinvestorsthroughunderwritingbyinvestmentbankers,thissaleiscalled().

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aninitialpublicofferingThefinancialinstrumentsusedincapitalmarketsinclude(),buttheinstrumentsusedinthemoneymarketsincludedeposits,T-billsandbillsofexchange.

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bonds;stocksPrivateplacementhasadvantagesoverotherequityfinancingmethods,including().

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reducedcost;theabilitytoremainaprivatecompany.;lessburdensomeregulatoryrequirements;reducedtimePublicofferingisalsocalleddirectissuingassecuritiesarenotissuedthroughintermediaries.（）

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错Anorganizedsecuritiesexchangeisalocationwithatradingfloorwhereallofthetradingtakesplaceundertherulesformulatedbytheexchange.（）

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对AnIPOisabigstepforacompany.Itprovidesthecompanywithaccesstoraisingalotofmoney.Thisgivesthecompanyagreaterabilitytogrowandexpand.（）

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对Anistheissuanceofadditionalsharesofstockaftertheissuingcompanyhasalreadyhadafollow-onoffering.（）

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错第六章测试Astockholder（）.

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earnsareturnfromstockpriceincreaseordividendsThatastockholderhastherightofaresidualclaimantmeans（）.

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stockholdershaveaclaimonassetsorincomeleftoverafterallotherclaimantsaresatisfiedStocks（）.

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havenomaturityInageneralsensethetermnegotiablesecuritiesisapplicabletomanyformsofnegotiableinstrumentsincludingchecks,billsofexchange,andbillsofladingandsoon.（）

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对Anequityholderisaresidualclaimantbecausetheyhavenorighttothemanagementandprofitofthecompany.（）

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错Preferredstockisaspecialequitysecuritythathaspropertiesofbothanequityandadebtinstrumentandisgenerallyconsideredahybridinstrument.（）

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对Acallablepreferredstockmeansthattheholderhastherighttosellthestockbacktotheissueratacertainprice.（）

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错Thepotentialprofitsfromowningcommonstockscomeprimarilyintwoforms:dividendsandcapitalgainswhenthestockpricerises.（）

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对Zerocouponbondsdonotpayinterestuntiltheendofthematuritydate.（）

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错Floating-ratebondsareriskierthanfixedratebondsespeciallywheninflationrateishigh.（）

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错第七章测试Themainassetonabankbalancesheetis.()

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loansandoverdraftsisalsocalledbridgeloan.()

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Non-installmentloanInadditiontofinancingtheagricultural,commercialandindustrialactivitiesofthenation,commercialbanksfacilitateconsumptionbymakingloans.()

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consumerarenotconfinedtobuyorbuildrealestate.()

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HomeequityloansUnderfive-categoryloanclassification,haspotentialweaknessesthatdeservemanagement’scloseattention.()

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specialmentionThecurrentratioprovidesamoreconservativemeasureofaggregateliquiditythanquickratio.（）

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错EquityMultipliermeasuresthedegreeoffinancialleverageemployed.Thegreateristhedegreeofleverage,thegreaterarethereturnsorriskstoshareholders.（）

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对Non-mortgageconsumerloansareusuallyusedtofinancethepurchaseofdurablegoods.（）

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对Collateralisthelender’sprimarysourceofrepaymentorsecurityinthecaseofdefault.（）

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错Pricingofinterestrateofinternationalsyndicatedloanisbasicallythefederalfundsrateplusaspread.（）

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错第八章测试___________,whichdescribesasituationwheremarketparticipationisaffectedbyasymmetricinformation,affectstheabilityofmarketstoallocatecreditbypricesbecauseitremovesthelower-riskborrowersfromthesetofpotentialborrower.()

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AdverseselectionTheeffectofasymmetricinformationcanbeseenclearlyin“___________”,whichisproposedandillustratedbytheeconomist.()

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

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MoralhazardThecreditscoringmodelforsmallbusinessesisbasedon_________,justlikethecreditscoringfortheissueofacreditcardwithsimpleprocedures.()

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consumerloansCreditscoringismore_________thanhumanloanofficers.Iteliminatesvariationsinriskassessmentamongloanofficers,andbyasingleofficerovertime.()

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objectiveDifferentindustrieshavedifferentstandardstodefinesmallbusinesses.（）

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对Theproblemofasymmetricalinformationarisesbecausebuyersandsellersdon’thaveequalamountsofinformationrequiredtomakeaninformeddecisionregardingatransaction.（）

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对Akerlofsuggestedthattheproblemofadverseselectiondistortedthemarket,leadingtohigherpricesbutloweraveragequalityofthegoods.（）

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错Moralhazardoccurspriortoadealbetweenabuyerandaseller,whileadverseselectionmayappearafterthedealismade.（）

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

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对第九章测试Becausethetitletotheleasedpropertyhasnotbeentransferred,acapitalleaseisnotregardedinessenceasequivalenttoasaleofthepropertyfromthelessortothelessee.（）

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错Inaleasingcontract,thelessorstillremainstheownership,whilethelesseeobtainstherighttousetheasset.（）

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对Insimpleterms,factoringisthepurchaseofclaims,arisingfromsalesofgoods,byaspecializedcompanyknownasfactoringcompanyorfactor.（）

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对Thefactoractsastheclient’screditdepartmenttoevaluatetheimporter’screditstandingtodetermineacreditlineforhisclient’scustomersothathecanexercisethefunctionofpre-approvingordersaftershipment.（）

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错Forfeitingisthetermgenerallyusedtodenotethepurchaseofobligationsfallingdueatsomefuturedate,arisingfromdeliveriesofgoodsandservices-mostlyexporttransactions-withrecoursetoanypreviousholderoftheobligation.（）

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错Onceyouestablishanirrevocabletrust,youcannotchangeormodifyitinanyway.（）

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对Inanoperatinglease,thelessorprovidesmaintenanceatadditionalleasecostwhichwillbebornebythelessee.（）

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错Financialleaseissometimescalledcapitalleaseandisusually（）.

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longtermForfeitingprovides（）financingofthevalueofexport.

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100%Inafactoring,thesellergetsaccesstofinancelinkedtohis（）

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currentlevelsofbusiness第十章测试The___principlemeansthatwecanexpresstransactionsandeventsinmonetaryunits.（）

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monetaryunitAssetsaccountsnormallyhavedebitbalances.Theseaccountsincreaseonthe___sideanddecreaseonthe___side.()

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debitcreditFinancialstatementdoesnotinclude().

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workingsheetListedbelowaresomecharacteristicsoffinancialinformation.(1)True(2)Prudence(3)Completeness(4)CorrectWhichofthesecharacteristicscontributetoreliability?()

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(1),(3)and(4)onlyWhichofthefollowingisnotanasset?()

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AccrualsandotherprovisionsCompanyABCpaid$18000atthebeginningofyear2006incashforofficerentalfromJan.

2006toJune2007,howmuchoftherentalshouldbebookedascostforyear2006?()

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$12000Accountingisasetofconceptsandtechniquesthatareusedtomeasureandreportfinancialinformationaboutalegalentity.()

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

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对Balancesheetisastatusreport.()

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对Netsalesequalsalesminussalesreturnsandsalesdiscount.()

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错第十一章测试Whichoneisnotthepartyforasightdraft?()

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acceptorIfthedrawingamountofthechequeexceedstheamountdepositedintheaccount,thiskindofcheckiscalled()

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bouncedcheckUndertheO/A，whichoneisnotcorrect？()

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Thesellergetsthepaymentfirstanddeliversthegoodslater.Whichoneisafinancialdocumentexcept()

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InvoiceIssueofadraftcomprisestwoacts()

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deliver;writeandsignBasedonmeansoftransferringfunds,aremittanceusuallyfallsinto:()

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MailTransfer(M/T);TelegraphicTransfer(T/T);DemandDraft(D/Undercollection,whichofthefollowingarecorrect?()

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IftheinstructionsareD/Patsight,theimporter’sbankwillreleasethedocumentstotheimporteronlyagainstpayment.;D/PismorefavorablethanD/Atotheseller.Themakerofapromissorynotecanbemorethanoneperson.（）

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对Theobligorofachequeisthedraweeratherthanotherparties.（）

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错Ifthedraftindicates“pay…Co.

ororder”,itcanbenegotiable.（）

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对第十二章测试“Weherebyagreewiththebeneficiarythatalldraftdrawnunderand/ordocumentspresentedhereunderwillbedulyhonoredbyusprovidedthetermsandconditionsoftheCreditarecompliedwith…”.Intheclause,“we”are()

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

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freenegotiationL/CWhichoneisnotcorrectfortransferablecreditandback-to-backcredit?()

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Twocreditsareinvolvedintransferablecreditwhileoneletterofcreditisinvolvedinback-to-backcredit.Reciprocalcreditsarenotsuitablein()

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generaltradeWhoappliesfortheopeningorissuingofacreditinaccordancewiththesalescontract.()

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Buyer;ImporterStandbyL/Cisalsocalled()

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performanceL/C;commercialpaperL/C;guaranteeL/CIftherevolvingcreditisstatedtobe“cumulative”,thespecificmethodscanbeformulatedinthefollowingways:()

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automaticRevolvingL/C;semi-automaticRevolvingL/C;non-automaticRevolvingL/CTheadvisingbankintheseller’scountrycanbetheconfirmingbankandadditsconfirmationtotheL/C.()

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对Adraftisrequiredfordeferredcredit.()

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错IftheexportersfindthatitisdifficulttofulfillsomeprovisionsinL/Cwhentheyreviewthem,theycandirectlyrequesttheissuingbanktomodifyL/C.()

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错第十三章测试()referstoloans,investmentsandotherfinancialservicesprovidedthroughonlinechannelsratherthanthroughbanksandotherfinancialinstitutions.

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InternetfinanceAlipayaccountholdercanbuyintothemoneyfundwithaminimuminvestmentofoneyuanandredeemtheirfundholding()topayforonlinepurchases.

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atanytimeThethird-partypaymentplatformplaystheroleasanintermediaryto().

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eliminatethedistrustoftradingparties;reducethecostofbankingservicesAlipayusersareentitledtodirectlyinvestcashfromtheiraccountintoamoneymarketfundmanagedbyTianhongAssetManagementCo.

with().

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higherreturns;moreflexibilityTheguidelinesshoulddecreasethenegativeeffectsofillegalnetworktransactions,protectthelegitimaterightsofinvestorsandencouragefaircompetition.（）

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对Thetermonlinebankingisusedtodescribesupplyingbankingservicesthroughelectronicintermediariesorelectronicallybasedchannels.（）

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错E-bankingcanincreaseChinesefinancialinstitutions’abilitytoretainandexpandtheirexistingcustomerbase.（）

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对Itshouldbenotedthatelectronicbankingisaplatform,whichonlyincludethebankingservicesprovidedviaInternet.（）

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错Telephonebankingpermitscustomerstogetaccessintotheirrespectivebankinginformation12hoursaday.（）

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

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对第十四章测试________willreceiveproceedsfromaninsurancecompanytooffsettheincomelostasaresultoftheinsured’sdeath.()

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ThebeneficiaryAccordingto,theinsuredmaynotcollectmorethantheactuallossintheeventofdamagecausedbyaninsuredperil.()

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PrincipleofIndemnityUndertheprincipleofsubrogationonewhohasindemnifiedanother’slossisentitledtorecoveryfrom.()

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anyliablethirdpartieswhoareresponsible______isaformofinsurancethatpaysmonetaryproceedsuponthedeathoftheinsuredcoveredinthepolicy.()

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LifeinsuranceDisabilityincomeinsuranceandmedicalexpenseinsurancefallintothecategoryof______.()

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healthinsuranceHealthinsurancecoversmedicalbillsincurredbecauseofbothsicknessandinjury.（）

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错Endowmentpoliciesaregenerallyequivalenttoterminsuranceplusalump-sumbenefitpaidonsurvival.（