金融英语智慧树知到答案章节测试2023年哈尔滨金融学院

绪论单元测试FinancialEnglishbelongsto“_______”,whichisakindofprofessionalEnglish.()

A:EnglishforSpecificPurpose

B:EnglishforAcademicPurposes

C:EnglishforGeneralPurpose

D:EnglishforEverydayLife

答案:AIt’sbettertostudythecoursein_______academicyear.()

A:thefirstorthesecond

B:thesecondorthefourth

C:thesecondorthethird

D:thethirdorthefourth

答案:DEconomicglobalizationandfinancialintegrationareinevitabletendencies.（）

A:对

B:错

答案:AThecoursecoversawiderangeinfinance,includingmoney,internationalfinance,financialmarket,commercialbanking,accounting,internationalsettlement,E-finance,insuranceandfinancialcrisis.（）

A:错

B:对

答案:BTolearnthecoursewell,moreimportanceshouldbeattachedtothefinancialknowledgethanspecializedEnglishwordsandexpressions.（）

A:对

B:错

答案:B第一章测试Ariseofinterestrateswillcause（）

A:adecreaseinborrowingandadecreaseincreditcreation

B:anincreaseinborrowingandaslowing-downofcreditcreation

C:anincreaseinborrowingandanincreaseincreditcreation

D:adecreaseinborrowingandanincreaseincreditcreation

答案:AWhichofthefollowingisnotoneofthefunctionsofmoney?()

A:storeofvalue

B:standardforpayment

C:mediumofexchange

D:financialassets

答案:DWhatisthefactorthatledtotheinventionofmoney?()

A:doublecoincidenceofwants

B:difficultiesandinefficiencyofthebartersystem

C:marketplaces

D:rateofexchange

答案:BIfthemoneysupplylagsbehindproduction,theeconomymaysufferfromwithequallyundesirableeffects.()

A:crisis

B:inflation

C:debt

D:deflation

答案:DNarrowmoneyrefersto.()

A:M0andM1

B:M1andM2

C:M2

D:M0

答案:AStrictlyspeaking,moneyiscurrency.（）

A:对

B:错

答案:BMoneyistheuniqueforminwhichwealthcanbeheld.（）

A:错

B:对

答案:AInterestratesmoveinthesamedirectionwiththatofthestockindex.（）

A:错

B:对

答案:ANominalinterestrateisunadjustedforinflation.（）

A:对

B:错

答案:ARaisingthereserverequirementratiowillreleaseliquidity.（）

A:错

B:对

答案:A第二章测试Basedonthedataof2019,thebiggestgeographictradingcenterforforeignexchangeisprimarily_______.（）

A:Tokyo

B:Shanghai

C:London

D:NewYork

答案:C_______isthedateonwhichthemoneymustbepaidtothepartiesinvolvedinspottransaction.（）

A:Thebusinessday

B:Thevaluedate

C:Theworkingday

D:Thedealdate

答案:BSupposeasmallChinesefirmsoldsomegoodstoaJapanesefirm,anditwillreceivepaymentof1millionyenin60days.Whichofthefollowingstatementisright?（）

A:Theexchangerateriskislowerinashortperiod,sothereisnoneedfortheexportertohedgetherisks.

B:Iftheyendepreciatesin60days,thefirmwillreceivemoreyuan.

C:TheChinesefirmhasaliabilitypositioninyen-shortpositioninyen.

D:TheChinesefirmcanenterintoaforwardcontracttosell1millionyenin60days.

答案:DSwaptransactionsinvolvetwo_______inseparablecontractdeals,usuallythefirstforspotdelivery,andthesecondforfuturedelivery.（）

A:simultaneous

B:corresponding

C:successive

D:consistent

答案:AThe_______givesbuyertheright,butnottheobligation,tobuy(orsell)aspecifiedamountofonecurrencyforanotherataspecifiedpriceonaspecifieddate.（）

A:forwardtransaction

B:futurestransaction

C:optiontransaction

D:swaptransaction

答案:CForeignbanknotesarenotforeignexchangeinthenarrowersense.（）

A:错

B:对

答案:BQuotesusingacountry’shomecurrencyastheunitcurrencyareknownasdirectquotation.（）

A:错

B:对

答案:AFuturescontractscanbecustomizedtomeetparticularcustomerneeds.（）

A:对

B:错

答案:BItisestimatedthatspeculationaccountsforonly10%ofthedailytradingactivityinforeignexchangemarket.（）

A:对

B:错

答案:BOpportunitiesforactualarbitrageinforeignexchangemarketarerare.（）

A:对

B:错

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

A:$15milliondeficits

B:$25milliondeficits

C:$20milliondeficits

D:$5milliondeficits

答案:BIntermsofbalance-of-paymentsaccount,whichofthefollowingwouldberecordedasadebitentryintheU.S.BOP?()

答案:AThebalanceofpaymentsisastatisticalrecordwhichmeasuresthetotalvalueof__.()

A:acountry’scapitalinflowsandoutflowsataparticulardateinagivenyear

B:acountry’sforeigntradesbetweentheresidentsofacountryanditsnon-residentsforagivenperiodoftime

C:acountry’sforeignexchangereservesinacertainperiodoftime

D:alleconomicandfinancialtransactionsbetweentheresidentsandnon-residentsforagivenperiodoftime

答案:DThetradedeficitmeansthat___.()

A:residentsareborrowingmorefundsthantheyarelending

B:residentsarereceivingmorepaymentsthantheyaremaking

C:residentsareproducingmoregoodsthantheyareconsuming

D:residentsareimportingmoregoodsthantheyareexporting

答案:DIntheshort-term,abalanceofpaymentssurplusboostseconomicgrowth.()

A:对

B:错

答案:ABalanceofpayments()

A:isacountry’scapitalinflowsandoutflowsataparticulardateinagivenyear

B:isdefinedasthestatisticalrecordofacountry’sinternationaltransactionsoveracertainperiodoftimepresentedintheformofadouble-entrybookkeeping

C:canbeusedtoevaluatetheperformanceofacountryininternationaleconomiccompetition

D:providesdetailedinformationconcerningthedemandandsupplyofacountry’scurrency

答案:BCDAcountry’sinternationaltransactionscanbegroupedinto_______threemaintypes.()

A:currentaccount

B:mediumtermaccount

C:officialreserveaccount

D:capitalaccount

答案:ACDSincethebalanceofpaymentsispresentedasasystemofdouble-entrybookkeeping,__.()

A:everycreditintheaccountisbalancedbyamatchingdebit

B:everytransactionmustberecordedtwice

C:Noneoftheabove

D:everydebitintheaccountisbalancedbyamatchingcredit

答案:ABDThetransactionaU.S.embassyinBeijingpayssalariestoitsAmericanstaffsisincludedinChina’sbalance-of-paymentsaccount.()

A:错

B:对

答案:AThedemandforacountry’sexportsimpactsthevalueofitscurrency.()

A:对

B:错

答案:A第四章测试Whywouldacompanyissuecommercialpaper?()

A:Tofinanceshorttermthings.

B:Tofinancelargeprojectsandexpansions.

C:Becausetheycanessentiallyprintmoney.

D:Allareright.

答案:AEurocurrencydepositsare().

A:bankdepositsdesignatedinthecommoncurrencyoftheEuropeanCommunity

B:bankdepositsindollars

C:heldbybanksinonecountryinthecurrencyofanother

D:heldbybanksinLondononly

答案:CWhatisamajoradvantageofmoneymarketinstruments?()

A:Allareright.

B:Theyhavehigherreturnsthanmostsavingsaccounts.

C:Mostinstrumentsoffergoodliquidity.

D:Theyarerelativelylowrisk.

答案:ABorrowersobtainfundsfromlendersbysellingtolendersnewlyissuedclaimsinthefinancialmarkets,eg.stockmarketorbondmarket,andwecallthisway().

A:directfinance

B:indirectfinance

C:financialmarket

D:financialinstrument

答案:ATheinstrumentstradedinmoneymarketshavesomecommonfeatures,including().

A:short-termmaturities

B:moreliquidandsafer

C:largedenominations

D:lowdefaultriskandlowyields

答案:ABCDOntheinternationallevel,therearetwopillarsunderpinningtheRMBinternationalization,theyare().

A:China’smarkets

B:China’sproducts

C:China’sgoldreservesandforeignexchangereserves

D:thecreditworthinessofChinaastheworld’ssecond-largesteconomy

答案:CDBasedonthematurityofthesecuritiestradedinthemarket,financialmarketscanbeclassifiedintoprimarymarketandsecondarymarket.（）

A:对

B:错

答案:BT-billsareshort-termsecuritiesthatmatureinoneyearorlessfromtheirissuedate.（）

A:对

B:错

答案:ACDsofferaslightlyloweryieldthanT-billsbecausethebank’sdefaultriskislower.（）

A:对

B:错

答案:BReposareshort-termcollateralizedloansusedbysecuritiesdealersandothermarketparticipantsasasourceoflowcostfinancingmethod.（）

A:错

B:对

答案:B第五章测试Animportantfinancialinstitutionthatassistsintheinitialsaleofsecuritiesintheprimarymarketisthe().

A:joint-equitybank

B:commercialbank

C:centralbank

D:investmentbank

答案:DTheNewYorkStockExchangeisthemostimportantexampleofa()financialmarket.

A:primary

B:first

C:secondary

D:second

答案:CCapitalmarketsaremorefrequentlyusedfor()assets,whicharethosewithmaturitiesofgreaterthanoneyear.

A:short-term

B:long-term

C:medium-term

D:medium-andlong-term

答案:BWhenacompanyissuespublicstocknewlytoinvestorsthroughunderwritingbyinvestmentbankers,thissaleiscalled().

A:alisting

B:afollow-onoffering

C:aninitialpublicoffering

D:aprivateplacement

答案:CThefinancialinstrumentsusedincapitalmarketsinclude(),buttheinstrumentsusedinthemoneymarketsincludedeposits,T-billsandbillsofexchange.

A:bonds

B:repos

C:stocks

D:commercialpapers

答案:ACPrivateplacementhasadvantagesoverotherequityfinancingmethods,including().

A:reducedcost

B:theabilitytoremainaprivatecompany.

C:lessburdensomeregulatoryrequirements

D:reducedtime

答案:ABCDPublicofferingisalsocalleddirectissuingassecuritiesarenotissuedthroughintermediaries.（）

A:错

B:对

答案:AAnorganizedsecuritiesexchangeisalocationwithatradingfloorwhereallofthetradingtakesplaceundertherulesformulatedbytheexchange.（）

A:对

B:错

答案:AAnIPOisabigstepforacompany.Itprovidesthecompanywithaccesstoraisingalotofmoney.Thisgivesthecompanyagreaterabilitytogrowandexpand.（）

A:错

B:对

答案:BAnistheissuanceofadditionalsharesofstockaftertheissuingcompanyhasalreadyhadafollow-onoffering.（）

A:对

B:错

答案:B第六章测试Astockholder（）.

A:faceslessriskthanbondholderandthereforeismorelikelytomakeagreatdealofmoney

B:earnsareturnfromstockpriceincreaseordividends

C:ownsapercentageinterestinafirmandthereforeisacreditorofthefirm

D:enjoysapriorityoverbondholderswhenthefirmisintrouble

答案:BThatastockholderhastherightofaresidualclaimantmeans（）.

A:stockholdershavenoclaimonassetsleftoverafterallotherclaimantsaresatisfied

B:stockholdershaveaclaimonassetsorincomeleftoverafterallotherclaimantsaresatisfied

C:stockholdershaveaclaimonassetsbeforeallotherclaimantsaresatisfied

D:alloftheabove

答案:BStocks（）.

A:havenomaturity

B:enabletheirholderstogetrichevenifthefirmdoesnotdowell

C:guaranteetheirholders’interestwhenthefirmisintrouble

D:havealongermaturitythanbonds

答案:AInageneralsensethetermnegotiablesecuritiesisapplicabletomanyformsofnegotiableinstrumentsincludingchecks,billsofexchange,andbillsofladingandsoon.（）

A:对

B:错

答案:AAnequityholderisaresidualclaimantbecausetheyhavenorighttothemanagementandprofitofthecompany.（）

A:对

B:错

答案:BPreferredstockisaspecialequitysecuritythathaspropertiesofbothanequityandadebtinstrumentandisgenerallyconsideredahybridinstrument.（）

A:错

B:对

答案:BAcallablepreferredstockmeansthattheholderhastherighttosellthestockbacktotheissueratacertainprice.（）

A:对

B:错

答案:BThepotentialprofitsfromowningcommonstockscomeprimarilyintwoforms:dividendsandcapitalgainswhenthestockpricerises.（）

A:错

B:对

答案:BZerocouponbondsdonotpayinterestuntiltheendofthematuritydate.（）

A:对

B:错

答案:BFloating-ratebondsareriskierthanfixedratebondsespeciallywheninflationrateishigh.（）

A:对

B:错

答案:B第七章测试Themainassetonabankbalancesheetis.()

A:deposits

B:cash

C:loansandoverdrafts

D:capitalandreserves

答案:Cisalsocalledbridgeloan.()

A:Non-installmentloan

B:Amortizationloan

C:Creditcard

D:Short-termloan

答案:AInadditiontofinancingtheagricultural,commercialandindustrialactivitiesofthenation,commercialbanksfacilitateconsumptionbymakingloans.()

A:consumer

B:short-term

C:consumption

D:Fixed

答案:Aarenotconfinedtobuyorbuildrealestate.()

A:Commercialrealestateloans

B:Homeequityloans

C:Constructionanddevelopmentloans

D:Residentialmortgageloans

答案:BUnderfive-categoryloanclassification,haspotentialweaknessesthatdeservemanagement’scloseattention.()

A:doubtful

B:Loss

C:substandard

D:specialmention

答案:DThecurrentratioprovidesamoreconservativemeasureofaggregateliquiditythanquickratio.（）

A:错

B:对

答案:AEquityMultipliermeasuresthedegreeoffinancialleverageemployed.Thegreateristhedegreeofleverage,thegreaterarethereturnsorriskstoshareholders.（）

A:对

B:错

答案:ANon-mortgageconsumerloansareusuallyusedtofinancethepurchaseofdurablegoods.（）

A:错

B:对

答案:BCollateralisthelender’sprimarysourceofrepaymentorsecurityinthecaseofdefault.（）

A:对

B:错

答案:BPricingofinterestrateofinternationalsyndicatedloanisbasicallythefederalfundsrateplusaspread.（）

A:对

B:错

答案:B第八章测试___________,whichdescribesasituationwheremarketparticipationisaffectedbyasymmetricinformation,affectstheabilityofmarketstoallocatecreditbypricesbecauseitremovesthelower-riskborrowersfromthesetofpotentialborrower.()

A:Adverseselection

B:Creditrationing

C:Moralhazard

D:Creditcrunch

答案:ATheeffectofasymmetricinformationcanbeseenclearlyin“___________”,whichisproposedandillustratedbytheeconomist.()

A:theMarketforLemons

B:nichemarket

C:thesecond-handmarket

D:massmarket

答案:A___________referstothetendencytochangeone’sbehavior,forexample,totakemorerisks,becausesomeoneelsebearsthecostofthoserisks.()

A:Adverseselection

B:Creditcrunch

C:Creditrationing

D:Moralhazard

答案:DThecreditscoringmodelforsmallbusinessesisbasedon_________,justlikethecreditscoringfortheissueofacreditcardwithsimpleprocedures.()

A:exportcredit

B:consortiumloans

C:projectloans

D:consumerloans

答案:DCreditscoringismore_________thanhumanloanofficers.Iteliminatesvariationsinriskassessmentamongloanofficers,andbyasingleofficerovertime.()

A:quantitative

B:subjective

C:objective

D:conductive

答案:CDifferentindustrieshavedifferentstandardstodefinesmallbusinesses.（）

A:对

B:错

答案:ATheproblemofasymmetricalinformationarisesbecausebuyersandsellersdon’thaveequalamountsofinformationrequiredtomakeaninformeddecisionregardingatransaction.（）

A:错

B:对

答案:BAkerlofsuggestedthattheproblemofadverseselectiondistortedthemarket,leadingtohigherpricesbutloweraveragequalityofthegoods.（）

A:错

B:对

答案:AMoralhazardoccurspriortoadealbetweenabuyerandaseller,whileadverseselectionmayappearafterthedealismade.（）

A:错

B:对

答案:AInsmallbusinesslending,adverseselectionarisesfromthebank’sinabilitytodistinguishbetweenhigh-riskandlow-riskborrowers.（）

A:对

B:错

答案:A第九章测试Becausethetitletotheleasedpropertyhasnotbeentransferred,acapitalleaseisnotregardedinessenceasequivalenttoasaleofthepropertyfromthelessortothelessee.（）

A:错

B:对

答案:AInaleasingcontract,thelessorstillremainstheownership,whilethelesseeobtainstherighttousetheasset.（）

A:对

B:错

答案:AInsimpleterms,factoringisthepurchaseofclaims,arisingfromsalesofgoods,byaspecializedcompanyknownasfactoringcompanyorfactor.（）

A:错

B:对

答案:BThefactoractsastheclient’screditdepartmenttoevaluatetheimporter’screditstandingtodetermineacreditlineforhisclient’scustomersothathecanexercisethefunctionofpre-approvingordersaftershipment.（）

A:对

B:错

答案:BForfeitingisthetermgenerallyusedtodenotethepurchaseofobligationsfallingdueatsomefuturedate,arisingfromdeliveriesofgoodsandservices-mostlyexporttransactions-withrecoursetoanypreviousholderoftheobligation.（）

A:对

B:错

答案:BOnceyouestablishanirrevocabletrust,youcannotchangeormodifyitinanyway.（）

A:对

B:错

答案:AInanoperatinglease,thelessorprovidesmaintenanceatadditionalleasecostwhichwillbebornebythelessee.（）

A:对

B:错

答案:BFinancialleaseissometimescalledcapitalleaseandisusually（）.

A:intermediateterm

B:shortterm

C:alloftheabove

D:longterm

答案:DForfeitingprovides（）financingofthevalueofexport.

A:100%

B:80%

C:90%

D:85%

答案:AInafactoring,thesellergetsaccesstofinancelinkedtohis（）

A:overdraftlimit

B:currentlevelsofbusiness

C:salesprospects

D:historicbalancesheetratios

答案:B第十章测试The___principlemeansthatwecanexpresstransactionsandeventsinmonetaryunits.（）

A:accountingperiod

B:accountingentity

C:monetaryunit

D:going-concern

答案:CAssetsaccountsnormallyhavedebitbalances.Theseaccountsincreaseonthe___sideanddecreaseonthe___side.()

A:debitcredit

B:creditdebit

答案:AFinancialstatementdoesnotinclude().

A:cashflowstatement

B:workingsheet

C:incomestatement

D:balancesheet

答案:BListedbelowaresomecharacteristicsoffinancialinformation.(1)True(2)Prudence(3)Completeness(4)CorrectWhichofthesecharacteristicscontributetoreliability?()

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

B:(1),(2)and(3)only

C:(1),(2)and(4)only

D:(2),(3)and(4)only

答案:AWhichofthefollowingisnotanasset?()

A:Cashbalances

B:Accountsreceivable

C:Accrualsandotherprovisions

D:Prepayments

答案:CCompanyABCpaid$18000atthebeginningofyear2006incashforofficerentalfromJan.

2006toJune2007,howmuchoftherentalshouldbebookedascostforyear2006?()

A:$9000

B:$24000

C:$18000

D:$12000

答案:DAccountingisasetofconceptsandtechniquesthatareusedtomeasureandreportfinancialinformationaboutalegalentity.()

A:对

B:错

答案:BWhenacompanyreceived$1.000cashfromitsclient,thecompany’scashisincreased;torecordthisincrease,debitCash.()

A:错

B:对

答案:BBalancesheetisastatusreport.()

A:错

B:对

答案:BNetsalesequalsalesminussalesreturnsandsalesdiscount.()

A:对

B:错

答案:B第十一章测试Whichoneisnotthepartyforasightdraft?()

A:payee

B:drawee

C:acceptor

D:drawer

答案:CIfthedrawingamountofthechequeexceedstheamountdepositedintheaccount,thiskindofcheckiscalled()

A:bouncedcheck

B:transferredcheck

C:guaranteedcheck

D:dishonoredcheck

答案:AUndertheO/A，whichoneisnotcorrect？()

A:Itisonetypeofremittance.

B:Thesellerusuallybearstheriskofnon-payment.

C:Itisfavorabletothebuyer.

D:Thesellergetsthepaymentfirstanddeliversthegoodslater.

答案:DWhichoneisafinancialdocumentexcept()

A:draft

B:cheque

C:promissorynote

D:Invoice

答案:DIssueofadraftcomprisestwoacts()

A:deliver

B:writeandsign

C:endorse

D:accept

答案:ABBasedonmeansoftransferringfunds,aremittanceusuallyfallsinto:()

A:MailTransfer(M/T)

B:DemandTransfer(D/T)

C:TelegraphicTransfer(T/T)

D:DemandDraft(D/

E:.

答案:ACDUndercollection,whichofthefollowingarecorrect?()

A:Collectingbankorpresentingbankisthebankinthecountryofthesellerorexporter.

B:IftheinstructionsareD/Patsight,theimporter’sbankwillreleasethedocumentstotheimporteronlyagainstpayment.

C:Thereareobligationsforthebankstocheckthedocumentsandguaranteethepayment.

D:D/PismorefavorablethanD/Atotheseller.

答案:BDThemakerofapromissorynotecanbemorethanoneperson.（）

A:错

B:对

答案:BTheobligorofachequeisthedraweeratherthanotherparties.（）

A:对

B:错

答案:BIfthedraftindicates“pay…Co.

ororder”,itcanbenegotiable.（）

A:对

B:错

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

A:applicant

B:advisingbank

C:issuingbank

D:beneficiary

答案:CTheword“thiscreditisnotrestrictedtoanybankfornegotiation”or“thiscreditmaybenegotiatedatanybank”,orsimilarwords,maybeindicatedon()

A:restrictednegotiationL/C

B:freenegotiationL/C

C:restrictedtransferableL/C

D:freetransferableL/C

答案:BWhichoneisnotcorrectfortransferablecreditandback-to-backcredit?()

A:UnderthebacktobackL/C,theapplicantisrequiredtoprovidetheoriginalL/Cformortgagewhileitisnotfortransferablecredit.

B:Twocreditsareinvolvedintransferablecreditwhileoneletterofcreditisinvolvedinback-to-backcredit.

C:Theyarebothusedbymiddlemen.

D:Onecreditisinvolvedintransferablecreditwhiletwolettersofcreditareinvolvedinback-to-backcredit.

答案:BReciprocalcreditsarenotsuitablein()

A:countertradeorcompensationtrade

B:generaltrade

C:bartertransactions

D:tradeofprocessingincomingmaterials

答案:BWhoappliesfortheopeningorissuingofacreditinaccordancewiththesalescontract.()

A:Seller

B:Exporter

C:Buyer

D:Importer

答案:CDStandbyL/Cisalsocalled()

A:cleanL/C

B:performanceL/C

C:commercialpaperL/C

D:guaranteeL/C

答案:BCDIftherevolvingcreditisstatedtobe“cumulative”,thespecificmethodscanbeformulatedinthefollowingways:()

A:anti-automaticRevolvingL/C

B:automaticRevolvingL/C

C:semi-automaticRevolvingL/C

D:non-automaticRevolvingL/C

答案:BCDTheadvisingbankintheseller’scountrycanbetheconfirmingbankandadditsconfirmationtotheL/C.()

A:错

B:对

答案:BAdraftisrequiredfordeferredcredit.()

A:错

B:对

答案:AIftheexportersfindthatitisdifficulttofulfillsomeprovisionsinL/Cwhentheyreviewthem,theycandirectlyrequesttheissuingbanktomodifyL/C.()

A:对

B:错

答案:B第十三章测试()referstoloans,investmentsandotherfinancialservicesprovidedthroughonlinechannelsratherthanthroughbanksandotherfinancialinstitutions.

A:Internetfinance

B:E-banking

C:Onlinebanking

D:E-commerce

答案:AAlipayaccountholdercanbuyintothemoneyfundwithaminimuminvestmentofoneyuanandredeemtheirfundholding()topayforonlinepurchases.

A:atanytime

B:afterhalfayear

C:afterayear

D:inamonth

答案:AThethird-partypaymentplatformplaystheroleasanintermediaryto().

A:eliminatethedistrustoftradingparties

B:carryoutmacro-economicpolicies

C:reducethecostofbankingservices

D:purchasesecuritiesfromissuers

答案:ACAlipayusersareentitledtodirectlyinvestcashfromtheiraccountintoamoneymarketfundmanagedbyTianhongAssetManagementCo.

with().

A:lowerreturns

B:higherreturns

C:moreflexibility

D:higherrisk

答案:BCTheguidelinesshoulddecreasethenegativeeffectsofillegalnetworktransactions,protectthelegitimaterightsofinvestorsandencouragefaircompetition.（）

A:错

B:对

答案:BThetermonlinebankingisusedtodescribesupplyingbankingservicesthroughelectronicintermediariesorelectronicallybasedchannels.（）

A:对

B:错

答案:BE-bankingcanincreaseChinesefinancialinstitutions’abilitytoretainandexpandtheirexistingcustomerbase.（）

A:错

B:对

答案:BItshouldbenotedthatelectronicbankingisaplatform,whichonlyincludethebankingservicesprovidedviaInternet.（）

A:错

B:对

答案:ATelephonebankingpermitscustomerstogetaccessintotheirrespectivebankinginformation12hoursaday.（）

A:错

B:对

答案:AFromJuly1,2018,allpaymenttransactionshandledbythird-partyprovidersneedtogothroughtheOnlineSettlementPlatformforNon-BankPaymentInstitutions,enablingbetterregulationandtrackingofcapitalflowswithinthecountry.（）

A:错

B:对

答案:B第十四章测试________willreceiveproceedsfromaninsurancecompanytooffsettheincomelostasaresultoftheinsured’sdeath.()

A:Thebeneficiary

B:Theunderwriter

C:Theinsurer

D:Theinsured

答案:AAccordingto,theinsuredmaynotcollectmorethantheactuallossintheeventofdamagecausedbyaninsuredperil.()

A:PrincipleofUtmostGoodFaith

B:PrincipleofIndemnity

C:PrincipleofSubrogation

D:PrincipleofInsurableInterest

答案:BUndertheprincipleofsubrogationonewhohasindemnifiedanother’slossisentitledtorecoveryfrom.()

A:thereinsurerinvolved

B:thebeneficiaryofthepolicy

C:anyliablethirdpartieswhoareresponsible

D:anotherinsurancecompany

答案:C______isaformofinsurancethatpaysmonetaryproceedsuponthedeathoftheinsuredcoveredinthepolicy.()

A:Annuityinsurance

B:Lifeinsurance

C:Healthinsurance

D:Personalaccidentinsurance

答案:BDi