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《金融英语》期末试卷

2011 -2012 学年度第一学期《金融英语》

期末考试A卷

专业年级学号姓名

Ⅰ.Match the words in the left column with the proper chinese equivalents in the right column.（10 points,1 point for each ）

( ) 1 financial assets A 通货膨胀

( ) 2 executive B 托收行

( ) 3 barter C 金融资产

( ) 4 installment D 有利可图的

( ) 5 profitable E 机密的

( ) 6 recipient F 分期付款

( ) 7 order G 指定的人

( ) 8 inflation H 行政人员

( ) 9 confidental I 物物交换

( ) 10 remitting bank J 收信人

II.Give the full name to the following words.（2分/题，5题共10分）

1．ECU ______________________________

2．IMF ______________________________

3．SDRs ______________________________

4．D/A _______________________________

5．CPA ________________________________

Ⅲ. Decide whether each of the following statements is true(T) or false(F). （10分）( ) 1. Business transactions should not be confused with personal transactions. Similarly, the transactions of different entities should not be accounted for together.

( ) 2. A usance credit means a credit which stipulates the immediate payment on presentation of

documents.

( ) 3. In documentary credit, the issuing bank is usually a bank located in the beneficiary’s country. ( ) 4. An advising bank or notifying bank is the bank that advises the applicant that a letter of credit (L/C) has been issued, confirmed, or amended.

( ) 5. Acceptance must be made at the back of the bill and signed by the drawee.

( ) 6. In cheque transactions, the drawer and the payer are the same person.

( ) 7. Both a crossed cheque and a open cheque can be cashed over the counter.

( ) 8. Education loan is, just one tpye of amortization loans.

( ) 9. Short-term loans are often used to satisfy fixed asset investment whereas medium and long-term loans are often used to finance working capital needs.

( ) 10. By barter, it means that people use goods to trade for other goods made by other people.

Ⅳ. Choose the best answer.(2分/题，10题共20分)

( ) 1. The first modern international monetary system was the _________?

A gold standard

B Bretton Woods System

C Jemaica System

D European Monetary System

( ) 2. Used to settle official transactions at the IMF, ______ are sometimes called paper gold.

A dollars

B ECUs

C SDRs

D all currencies

( ) 3. The ____fees are one-time charges negotiated in advance and imposed when the loan agreement is signed.

A management

B front-end

C commitment

D participation

( ) 4. The person paying the money is _______ of a cheque.

A the drawee

B the endorser

C the payee

D the endorsee

( ) 5. The documents will not be delivered to the buyer until ________.

A the buyer has cleared goods

B the goods have arrived

C the bill is paid or accepted

D both A and B

( ) 6. If it is not stated as D/P or D/A, the documents can be released_________.

A against acceptance pour aval

B against acceptance

C against payment

D in either way

( ) 7. Under_____, no draft is drawn. It is also used as a means of avoiding the stamp duty payable on drafts.

A the acceptance credit

B the derferred payment credit

C the payment credit

D the negotiated credit

( ) 8. ________is the bank to which the pricipal has entrusting the collection.

A The remitting bank

B The collecting bank

C The presenting bank

D Both A and B

( ) 9. Which principle has the assumption that the business will continue in operation?

A The cost principle

B The going-concern concept

C The matching principle

D Both A and B

( ) 10. _______ is the most important part of a bank letter.

A Subject

B Body

C Complimentary close

D Signature

Ⅴ. Translate the following sentences. (20分)

1. The usual way the drawee accepts a draft is by writing or stamping the word

“ACCEPTED” on the face of the draft, plus the drawee’s authorized signature and the date accepted.

2. Banks wiil act in good faith and exercise reasonable care and must verify that the

documents received appear to ba as listed in the collection order.

3. Nonprofit organizations such as churches, most hospitals, government agencies, and

colleges use accounting information in much the same way that profit oriented businesses do.

4. 用货币作为交换媒介是货币的主要职能之一。

5. 有时在借款人的要求下，由贷款人给与还款的宽限期。

1.______________________________________________________________________________

________________________________________________________________________________

2.______________________________________________________________________________

________________________________________________________________________________

3.______________________________________________________________________________

________________________________________________________________________________

4.______________________________________________________________________________

________________________________________________________________________________

5.______________________________________________________________________________

________________________________________________________________________________

Ⅵ. Reading comprehension. You are required to Choose the best response from A to D in the box according to passage. Then mark the corresponding letter on the Answer Sheet.（2分/题，5题共10分）

As prices and building costs keep rising, the “do-it-yourself”(DIY) trend (趋势) in the U.S. continues to grow.

“We needed furniture(家具) for our living room.”Says John Ross, “and we just didn’t have enough money to buy it. So we decided to try making a few tables and chairs.”John got married six months ago, and like many young people these days, they are struggling to make a home at a time when the cost of living is very high. The Rosses took a 2-week course for $ 280 at a night school. Now they build all their furniture and make repairs around the house.

Jim Hatfield has three boys and his wife died. He has a full-time job at home as well as in a shoe making factory. Last month, he received a car repair bill for $ 420. “I was deeply upset about it. Now I have finished a car repair course, I should be able to fix the car by myself.”

John and Jim are not unusual people. Most families in the country are doing everything they can to save money so they can fight the high cost of living. If you want to become a “do-it-yourself”, you can go to DIY classes. And for those who do not have time to take a course, there are books that tell you how you can do things yourself.

1. We can learn from the text that many newly married people _______.

A. find it hard to pay for what they need

B. have to learn to make their own furniture.

C. take DIY courses run by the government.

D. seldom go to a department store to buy things

2. John and his wife went to evening classes to learn how to _____

A. run a DIY shop

B. make or repair things

C. save time and money

D. improve the quality of life.

3. When the writer says Jim has a full-time job at home, he means Jim ____

A. makes shoes in his home

B. does extra work at night

C. does his own car and home repairs

D. keeps house and looks after his children

4. Jim Hatfield decided to become a “do-it-yourself”when ____

A. his car repairs cost too much

B. the car repair class was not helpful

C. he could no possible do two job

D. he had to raise the children all by himself

5. What would be the best title for the text?

A. the Joy of DIY

B. You Can Do It Too!

C. Welcome to Our DIY Course!

D. Ross and Hatfield: Believers in DIY

Ⅶ.根据信用证要求填写下列汇票。(2分/空，共20分)

L/C

ADVISING BANK: BANK OF COMMUNICATIONS SHANGHAI(HEAD OFFICE)

OPENING BANK: BANGKOK BANK PUBLIC COMPANY LIMITED，BANGKOK

Form of Doc. Credit * 40A IRREVOCABLE

Doc. Credit Number * 20 0011LC123756

Date of Issue 31C 001103

Expiry * 31D Date 010114 Place BENEFICIARIES’ COUNTRY

Applicant * 50 MOUN CO., LTD.

NO.443, 249 ROAD

BANGKOK THAILAND

Beneficiary * 59 /

SHANGHAI FOREIGN TRADE CORP .

SHANGHAI, CHINA

Amount * 32B Code USD Amount 18.000,

Available with /by * 41D ANY BANK IN CHINA

BY NEGOTIATION

Draft at ······42C SIGHT IN DUPLICATE INDICATING

THIS L/C NUMBER

Drawee 43D / /

ISSUING BANK

Partial Shipments 43P NOT ALLOWED

Transshipment 43T ALLOWED

Loading 44A

CHINA MAIN PORT, CHINA

For Transport to 44B

BANGKOK, THAILAND

Latest Date of Ship. 44C 001220

Descript. of Goods. 45A

2,000KGS. ISONIAZID BP98

AT USD9.00 PER KG. CFR BANGKOK

Documents required 46A

DOCUMENTS REQUIRED:

+COMMERCIAL INVOICE IN ONE ORIGINAL PLUS 5

COPIES INDICATING F.O.B. V ALUE,

FREIGHT CHARGES SEPARATEL Y AND

THIS L/C NUMBER, ALL OF WHICH MUST

BE MANUALL Y SIGNED.

+FULL SET OF 3/3 CLEAN ON BOARD OCEAN BILLS OF

LADING AND TWO NON-NEGOTIABLE COPIES MADE

OUT TO ORDER OF BANGKOK BANK PUBLIC COMPANY

LIMITED, BANGKOK. MARKED FREIGHT PREPAID AND

NOTIFY APPLICANT AND INDICATING THIS L/C

NUMBER.

+PACKING LIST IN ONE ORIGINAL PLUS 5 COPIDIES, ALL

OF WHICH MUST BE MANUALL Y SIGNED.

+CERTIFICATE OF ANALYSIS IN ONE ORIGINAL PLUS

ONE COPY.