国际结算(英文版)清华大学出版社-答案
国际结算英文选择题附答案
国际结算英文选择题附答案1. To the exporter, the fastest and safest method of settlement is ( B )A. letter of creditB. cash in advanceC. open accountD. banker’s draft2. To the importer, the most favorable method of settlement is ( C ) of credit B. cash in advance C. open account D. collection3. Which of the following payment method is based on commercial credit( C ) of credit guarantee C. collection D. standby credit4. An exporter sells goods to a customer abroad on FOB and on CIF terms, who is responsible for the freight charges in each ( A )A. importer; exporterB. exporter; importerC. importer; importerD. exporter; exporter5. International cash settlement has the following disadvantages except ( B )A. expensiveB. safeC. riskyD. time-consuming6. CHIPS is the electronic clearing system for ( B )B. USD D. EUR7. CHAPS is the electronic clearing system for ( A )B. USD D. EUR8. BOJ-NET is the electronic clearing system for ( D )A. USDB. GBP9. TARGET is the electronic clearing system for ( C )A. USDB. GBP10. CHATS is the electronic clearing system for ( D )A. USDB. GBP11. From a Chinese bank’s point of view , the current account it maintains abroad is known as ( A )A. a nostro accountB. a vostro accountC. a current account home currency account12. From a Chinese bank’s point of view , the current account maintained by a foreign bank with him is known as （B ）nostro account vostro accountcurrent account foreign currency account13. International trade settlement methods are used to complete the money transfer aroused by ( A)A. goods transactionsB. services supplyC. security investmentD. investment incomes14. Documentary credit business is subject to ( A )A. UCP600 522 C. URDG758 D. ISP9815. Collection business is subject to ( B )A. UCP600 522 C. URDG758 D. ISP9816. Standby credit business is subject to ( D )A. UCP600 522 C. URDG758 D. ISP98of guarantee business is subject to ( C )A. UCP600 522 C. URDG758 D. ISP9818. London is the clearing centre for ( B )A. USDB. GBP19. New York is the clearing centre for ( A )A. USDB. GBP20. Tokyo is the clearing centre for ( D )A. USDB. GBP21. Frankfurt is the clearing centre for ( C )A. USDB. GBPthe following documents, the one which is not regarded as control documents is ( D )A. authorized signaturesB. test keysC. schedule of terms and conditionsD. correspondent arrangement23. The seller should arrange for the insurance of the goods transportation under ( C )24.（ A ） cheque can be cashed over the counter of paying bank.A. An openB. A crossedC. A general crossingD. A special crossing25. The effect of a blank endorsement is to make a negotiable instrument payable to the （ C ）A. specified person B, order of a specified person C. bearer D. named person26. If the bill is pay able “60 days after date”, the date of payment isdecided according to （ C ）A. the date of acceptanceB. the date of presentationC. the date of issuanceD. the date of maturity27. The party to whom the bill is addressed is called the（ B ）A. drawerB. draweeC. holderD. payee28. When financing is without recourse, this means that the bank has no recourse to the （ D ）if such drafts are dishonored.A. payerB. draweeC. acceptorD. drawer29. The（C ）of a promissory note assumes the prime liability to make payment of the note.A. holderB. draweeC. makerD. acceptor30. The bill which must be presented for acceptance is （ B ）A. the bill payable at xx days after dateB. the bill payable xx days after sightC. the bill payable on a fixed dateD. the bill payable at sight31. In order to retain the liabilities of the other parties, a bill that has been dishonored must be （ A ）A. protestedB. given to the acceptorC. retained in the filesD. presented to a bank32.（ C ）is not a holder of a billA. PayeeB. EndorseeC. DrawerD. Bearer33. Which of the following is a relative essential item of a bill （ B ）A. amountB. tenorC. payeeD. drawee34. An endorsement ,which prohibits the further negotiation of the instrument ,is called （ D ）endorsement .A. qualifiedB. generalC. specificD. restrictive35. A check is a （ D ）draft drawn on a bankA. time C. direct D. demand36. The act which is never involved in promissory note business is （ C ）37. The act which is never involved in check business is （ C ）38. The acceptor of a bill is the person who originally namedas ( B )of the bill.A. drawerB. drawee39. The first holder of a bill is the ( C ) of the billA. drawerB. drawee40. Among the following crossed cheques, the one which contains the words ( D ) is a special crossed cheque.A. bankerB. not negotiableC. A/C payeeD. Bank of China41. The means of authenticating payment order in mail transfer is the （ D ）A. SWIFT authentic keyB. schedule of terms and conditionsC. test keyD. authorized signatures42. The means of authenticating payment order in telegraphic transfer isthe（ C ）A. correspondent arrangementB. schedule of terms and conditionsC. test keyD. authorized signatures43. Which of the following is not a method of remittance （ C ）A. M/TB. T/TC. T/RD. D/D44. Open account as a payment method is usually used when （ D ）are sold under the seller’s market conditionare badly needed by the buyerare of special standards or special specificationsare sold under the buyer’s market condition45. If the reimbursement instruction written on the payment order is expressed as ‘in cover , we have credited your A/C with us’, the A/C relationship between the remitting ban k and the paying bank must be( A )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks46. If the reimbursement instruction written on the payment order is expressed as ‘in cover, please debit our A/C with you’, the A/C relationship between the remitting bank and the paying bank must be( B ) A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks47. If the reimbursement instruction written on the paymentorder is expressed as ‘in cover, we have authorized Bank A to debit our A/C and credit your A/C with them’, the A/C relationship between the remitting bank and the paying bank must be( C )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks48. If the reimbursement instruction written on the payment order is expressed as ‘in cover, we have instructed Bank X to transfer the proceeds to your A/C with bank Y’, the A/C relationship between the remitting bank and the paying bank must be ( D )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks49. It will be more convenient if the collecting bank appointed by the seller （ B ）A. is a large bankB. is the remitting bank’s correspondent in the place of the importerC. is in the exporter’s countryD. acts on the importer’s instructions50. Under D/P, the documents will not be delivered to the buyer until （ D ）A. the goods have arrivedB. the documents have arrivedC. the documents are presented to the buyerD. the bill is paid by the buyer51. Under D/A, the documents will not be delivered to the buyer until （ D ）A. the goods have arrivedB. the documents have arrivedC. the documents are presented to the buyerD. the bill is accepted by the buyer52. In collection business, banks are obligated to check the documents received to see that （ C ）A. they are authenticB. they are regularC. they are the same as those listed in the collection instructionD. they are in the right form53. A bill of exchange which is accompanied by shipping documents is known as （ B ）A. a clean billB. a documentary billC. a clean collectionD. a documentary collection54. In documentary collection, after the goods have been shipped, the exporter presents the documents to （C ）for collectionA. the collecting bankB. the reimbursing bankC. the remitting bankD. the opening bank55. Which of the following is not the obligation of remitting bank in collection （ D ）A. to complete a collection order strictly according to the principal’s instructions.B. to perform following all the instructions given by the principal.C. to keep the documents wellD. to examine the contents of documents in detail56. Which of the following is not the obligation of the collecting bank （ B ）verify the authenticity of the collection orderB. to take care of goodsrelease documents strictly on the delivery terms of documents.perform following all the instructions given by the remitting bank.collection business, the drawer of the draft for collection is ( A )A. sellerB. buyerC. remitting bankD. collecting bank58. In collection business, the drawee of the draft for collection is ( B )A. sellerB. buyerC. remitting bankD. collecting bank59. If the collection instruction given by the principal specifies that collection charges are to be borne by the drawee but with no express statement that they may not be waived, charges will be for the account of ( A ) providing the drawee refuses to pay them.A. principalB. remitting bankC. collecting bankD. presenting bank price term which is more favorable to the seller under collection is ( D )A. EXWB. FOBC. CFRD. CIF61. In L/C business , the exporter can receive the payment only when ( C )A. he has shipped the goodshas presented the documentsdocuments presented constitute a complying presentation importer has taken delivery of the goods.62. In L/C business, the issuing bank can refuse to pay the credit amount when ( C )applicant prevents him from making paymentgoods are not the same as those stipulated in the sales contract kind of document required by L/C isn’t presented.of the applicant’s account is not enough for payment .63. Of the following kinds of L/C, ( B )is the L/C which requires no drafts at all.payment creditpayment creditcreditcredit64. Of the following kinds of L/C, ( C ) is the L/C in which drafts are always required.payment creditpayment creditcreditcredit65. Of the following kinds of L/C, ( D ) is the L/C which is especially suitable for use to settle the payment of trade conducted through a middleman.creditcreditcreditto back credit66. Of the following kinds of L/C, ( A )is the L/C which is especially suitable for use to settle the payment of trade conducted through a middleman.A. transferable creditB. reciprocal creditC. revolving creditcredit67 Of the following kinds of L/C, ( C ) is the L/C which is especially suitable for use to settle the payment under a long term contract covering goods to be transported by regular partial shipments.creditcreditcreditto back creditthe following kinds of L/C, ( B ) is the L/C which is especially suitable for use to settle the payment under counter trade.creditcreditcreditto back credit69. Confirmation of a credit may be given by ( B )A. the beneficiary at the request of the importerB. the advising bank at the request of the issuing bankC. the advising bank after the receipt of correct documentationD. the issuing bank after the receipt of correct documentation70. The credit may only be confirmed if it is so authorized or allowed by ( A )A. the issuing bankB. the supplierC. the advising bankD. the beneficiary71. The second beneficiary of a transferable letter of credit is the( D )A. middlemanB. transferring bankC. the applicant of the transferred creditD. real supplier of the goods72. The first beneficiary of a transferable letter of credit is the ( A )A. middlemanB. transferring bankC. the applicant of the transferred creditD. real supplier of the goods73. The red clause credit is often used as a method of ( B )A. providing the buyer with funds prior to shipmentB. providing the seller with funds prior to shipmentC. providing the buyer with funds after shipmentD. providing the seller with funds after shipment74. An applicant must reimburse an issuing bank unless he finds that ( D )A. goods are defectiveB. goods are not as ordered in the sales contractC. documents received do not allow him to clear the goods through customsD. documents do not conform on the face to the terms and conditions of the credit75. Application for any amendment to a letter of credit should be given to the issuing bank by ( A )A. the applicantB. the beneficiaryC. the advising bankD. the nominated bank76. The message type which is used to send a amendment notice of a documentary credit through SWIFT is numbered ( C )A. 700B. 705C. 707D. 710all the financial methods mentioned bellow , which method provides funds without recourse ( C )A. packing loansB. bill discountingC. forfaitingD. borrowing docs against T/Rletter of credit, the primary debtor is the( C )A. applicantB. importerC. issuing bankD. nominated bank79. The applicant of letter of credit is ( B )A. the exporterB. the importerC. the exporter’s bankD. theimporter’s bank80. The beneficiary of letter of credit is ( A )A. the exporterB. the importerC. the exporter’s bankD. theimporter’s bankletter of credit which is expired on Oct. 1, 2008 specifies that “documents must be presented within 15days after the on board date of bill of lading”. If the on board date of bill of lading is Sep. 10,2008, the latest date of presentation must be ( B )A. Sep. 24 ,2008B. Sep. 25 ,2008C. Sep. 26 ,2008D. Oct. 1, 200882. If there is no indication in the credit of the insurance coverage required, the amount of insurance coverage must be atleast ( C ) of the CIF or CIP value of the goods.A. 100% % C. 110% %83. Which of the following actions performed by the nominated bank is not regard as the action of honor( D )A. to pay at sight under sight payment creditB. to incur a deferred payment undertaking and pay at maturity underdeferredpayment creditC. to accept the draft and pay at maturity under acceptance creditD. to negotiate under negotiation credit84. Complying presentation under letter of credit means a presentation that is in accordance with the terms and conditions of credit, the applicable rules of UCP and provisions of ( B )A. ISP98B. ISBP681C. ICC Publication Publication No. 75885. Among the following banks, the one who has no obligation to examine documents under letter of credit is ( C )A. the issuing bankB. the confirming bankC. the reimbursing bankD. the nominated bankfollowing are the financing methods which can be used by the seller in L/C business except ( D )A. negotiating the documentary draft to his bankA.applying for packing loans from his bankB.discounting the time draft already accepted by the drawee bankD. Borrowing docs from issuing bank against T/Rfollowing are the financing methods which can be used by the buyer in L/C business except ( D )for issuing L/C with no margin requirement.docs from issuing bank against T/Rthe goods from shipping company against indemnity guarantee signed by the issuing bank.for packing loans from his bank88. A bill of lading doesn't function as ( D )A. a contract of transportationB. a receipt of goodsC a certificate of title to the goods D. an accounting document89. The drawee of a draft drawn under letter of credit may be ( C )A. the beneficiaryB. the applicantC. the issuing bankD. the negotiating bank90. If the bill of lading is made out to order , it must be endorsed by （ B ）so as to complete the transfer of the title to the goods .A. the carrierB. the shipperC. the notify partyD. the nominated bank。
国际结算习题(附答案)
国际结算习题（附答案）一、单选题（共30题，每题1分，共30分）1、福费廷业务中,如果出口商在票据上加注了“Without Recurse”字样就表明( )A、已将票据可能遭受拒付的风险转嫁给了包买商B、已由出口商承兑C、已由出口方银行担保D、进口方银行已同意放弃追索权正确答案：A2、银行承兑汇票的出票人应是( )。
A、商业银行B、工商企业C、工商企业D、商业银行正确答案：D3、银行在办理国际贸易结算时,要等到国外银行将票款贷记出口方银行账户的贷记通知书后,才将票款折成本国货币贷记出口商账户。
这种方式叫做( )。
A、定期结汇B、出口押汇C、收妥结汇正确答案：C4、信用证要求受益人提交的提单上注明freight prepaid’,但不要求提交保险单,则该项商品交易双方是以( )成交的。
A、FOBB、CFRC、CIF正确答案：B5、汇票的付款期限的下述记载方式中( )必须由付款人承兑后才能确定具体的付款日期。
A、at x x days after dateB、at sightC、at x x days after shipmentD、at X X days after sight正确答案：D6、一张金额为30万美元的可撤销信用证,未规定可否分批装运受益人装运了价值为5万美元的货物后,即向出口地银行办理了议付。
第二天收到开证行撤销该信用证的通知此时,开证行( )A、对已办理议付的5万美元仍应偿付其余25万美元则失效B、对已办理议付的5万美元可以拒绝偿付,并指示议付行向受益人追索所议付的5万美元C、因撤销通知到达前,该证已被凭以办理部分议付故该信用证不能被撤销正确答案：A7、某笔信用证业务中,信用证要求受益人按发票金额的110%投保。
这增加的10%,是( )。
A、进口商自愿多向保险公司交纳保险费B、进口商的预期毛利润率C、保险公司向进口商提出的要求D、进口商想从保险公司多得到补偿正确答案：B8、根据我国的票据法,当票据上金额的大小写不一致时( )。
国际结算(英文版)清华大学出版社-答案
KEY OF INTERNATIONAL SETTLEMENTChapter 11.Put the following phrases into English2.Put the following sentences into English(1)国际结算涉及有形贸易和无形贸易，外国投资，从其他国家借贷资金，等等。
The international settlement involves tangible trades, intangible trades, foreign investments, funds borrowed from or lent to other countries and so on.(2)许多银行注重发展国际结算和贸易融资的业务。
Many banks have focused on their business of international settlement and trade finance.(3)大多数国际间的支付来自于世界贸易。
Most of the international payments originate from transactions in the world trade.(4)一般来说，国际结算的方式分为三类：汇款、托收和信用证。
Usually the international settlement is divided into three broad categories: remittance, collection and letter of credit.3. True or False1)International payments and settlements are financial activities conducted inthe domestic country. (F)2)Fund transfers are processed and settled through certain clearing systems.(T)3)Using the SWIFT network, banks can communicate with both customers andcolleagues in a structured, secure, and timely manner.(T)4)SWIFT can achieve same day transfer.(T)4.Multiple Choice1)SWIFT is __B__A.in the united statesB. a kind of communications belonging to TT system for interbank’s fundtransferC.an institution of the United NationsD. a governmental organization2)SWIFT is an organization based in __A___A.BrusselsB.New YorkC.LondonD.Hong Kong3) A facility in fund arrangement for buyers or sellers is referred to __A___A.trade financeB.sale contractC.letter of creditD.bill of exchange4)Fund transfers are processed and settled through __C___A.banksB.SWIFTC.clearing systemD.telecommunication systems5)__C__is the reason why international trade first began.A.Uneven distribution of resourcesB.Patterns of demandC.Economic benefitsparative advantages5. Answer the following questions1)Where are the medium of exchange originated from?Tracing back the history of international settlement, the medium of exchange originated from coins to notes.2)What will inevitably lead to under the international political, economic andcultural exchanges?The international political, economic and cultural exchange inevitably leads to credits and debts owed by one country to another.3)Why do banks focus on the development of the businesses of internationalsettlement?Banks focus more and more on the development of the businesses because it isa major resource of profits.4)What will banks do to meet the higher and higher demand of the internationalmarket?Banks need to develop innovative products and deliver the best services possible in whatever way they can.Chapter 21.Put the following phrases into English2.Put the following sentences into English(1)用于国际结算的货币是可兑换的货币。
国际结算课后练习与作业(第一章、第二章)及参考答案
10、支票只能开出一张，而汇票可以开出一套。
11、支票可以划线，汇票则没有划线的规定。
12、汇票到期时，在收到承兑汇票后方可对外付款。
三、单项选择
1、按照国际收支的内容划分，国际结算可分为（）。
A、国际贸易结算和非贸易结算 B、经常项目结算和资本项目结算
C、贸易收支结算和非贸易收支结算 D、贸易收支结算和无偿转移收支结算
3．国际金融领域风云多变，虽已建立了代理行关系，仍应随时注意情况变化，以便必要时采取安全措施。
4．坚持“世界上只有一个中国”的原则，我国内地与香港、澳门、台湾之间的货币收付结算不应属于国际结算的范畴，而只能按国内结算办理。
5．当代国际结算大部分采取记账和转账方式。
6．代理行关系只能由双方银行的总行协商后建立，不能由各分支行自行决定。
A、表明票据种类字样 B、确定的金额 C、出票日对象包括（ ）。
A、出票人 B、背书人 C、被背书人 D、承兑人 E、保证人
13、依据我国票据法，票据背书必须记载的事项包括（ ）。
A、背书地点 B、背书人签章 C、被背书人名称 D、背书日期 E、被背书人签章
9、支票是以银行为付款人的（）。
A、本票 B、远期汇票 C、有条件支付命令 D、即期汇票
10、出票人签发的、无条件地约定自己或委托他人、以支付一定金额为目的、可流通转让的有价证券是：（ ）。
A、托收委托书 B、支付委托书 C、票据 D、单据
11、一般情况下有两个当事人的票据是：（ ）。
A、汇票 B、本票 C、支票 D、传票
4.上海纺织品进出口公司2002年3月向香港服装厂出口一批面料。合同价款为200,000港元，支付条件是出票后60天付款。出口公司在2002年3月10日出运货物后制单、委托中国建设银行上海分行收款，建行通过花旗银行香港分行向进口商提示跟单汇票。（1）请你作为出口商开具该笔业务下以出口商自己为收款人的汇票；（2）请代表出口商在向本地银行办理结算时，将此汇票做成以委托收款为目的非转让背书；（3）假如出口商希望出口地银行对该汇票做出保证，请你作为出口地银行完成这样的一个保证。（4）如果出口地银行在2002年3月11日又将此汇票做成了委托进口地银行代收货款的背书，请你完成这个背书；（5）如果进口地银行在2002年3月18日向付款人提示该汇票，而付款人当天做出了承兑，并写明到期将在花旗银行香港分行付款，请完成这样的承兑。
国际结算课后习题参考答案
1、如何理解国际贸易结算的概念？国际结算是指为清偿国际间债权债务关系而发生在不同国家之间的货币收付行为。
国际贸易结算是指以商品进出口为背景，即由有形贸易引起的国际结算，它是国际贸易的基础和国际结算的重要组成部分。
它建立在商品交易货物与外汇两清的基础上，又称为有形贸易结算。
2、现金结算与非现金结算、现汇结算与记账结算的区别？现金结算是指通过收付货币或现金来结算清债权债务关系。
但现金结算很不安全、风险大，需负担运送现金过程中的各项费用，占用和积压资金，影响企业资金的周转率。
非现金结算是指使用各种支付工具，通过银行间的划账冲抵来结清债权债务关系。
与现金结算相比，它的优点在于迅速、简便，可以节约现金和流通费，加快了资金的循环和周转，促进了国际间经济贸易关系的发展。
现汇结算是指通过两国银行对贸易往来，用来兑换货币进行的逐笔结算，这是国际贸易结算的主要形式。
记账结算是指两国银行使用记账外汇进行的定期结算。
记账外汇是两国政府签订的支付协定项下收付的外汇，只能用于支付对方国的债务，不能自由运用。
3、国际贸易结算有什么特点？1）国际贸易的产生和发展是结算的基础与前提；2）国际贸易结算与金融学科密切相关；3）国际贸易结算是现代商业银行的中间业务；4）国际贸易结算实行推定交货的原理。
4、列举国际贸易结算常用的国际惯例或规则。
国际贸易结算常用的国际惯例或规则有：《托收统一规则》、《跟单信用证统一惯例》、《见索即付保函统一规则》等。
5、如何从理论上理解贸易术语的两个临界点？贸易术语必须在理论上订立两个临界点。
第一个是交货临界点，又称风险临界点，货物运到这个临界点，从法律观念上可以认为卖方已经尽到交货责任，将货物交于买方，故在这个临界点以前货物遇到风险发生损失由卖方承担责任，在这个临界点之后货物遇到风险发生损失由买方承担责任。
第二个是费用临界点，在这个临界点以前发生的运费由买方负责，在这个临界点之后发生的运费由买方负担。
6、略第二章1、简述票据的特点及功能。
国际结算习题答案
国际结算习题答案国际结算习题答案在国际贸易中，国际结算是一个重要的环节。
它涉及到货物和服务的支付和收款，以及跨国企业之间的资金流动。
而对于学习国际结算的学生来说，习题是检验自己理解和掌握程度的重要途径。
下面，我将为大家提供一些常见的国际结算习题及其答案，希望对大家的学习有所帮助。
1. 什么是国际结算？国际结算是指在国际贸易中，买方和卖方之间进行货款支付和收款的过程。
它包括货物和服务的结算方式、支付工具和结算时间等方面。
2. 国际结算的主要方式有哪些？国际结算的主要方式包括信用证结算、托收结算、电汇结算和票汇结算等。
其中，信用证结算是最常见和最安全的一种方式，它通过银行的介入，保障了买卖双方的权益。
3. 什么是信用证结算？信用证结算是指买方在银行开立信用证，要求银行向卖方支付货款。
卖方在符合信用证条款的情况下，向银行提出付款要求，银行按照信用证的约定向卖方支付货款。
4. 信用证结算的优势是什么？信用证结算的优势主要体现在以下几个方面：- 保障买卖双方的权益，减少交易风险。
- 提供了可靠的支付方式，增加了交易的可信度。
- 通过银行的介入，提供了专业的结算服务，减少了买卖双方的操作难度。
5. 托收结算和电汇结算的区别是什么？托收结算是指买方将付款指示交给银行，要求银行代为收款。
卖方根据买方的指示，向银行提出收款要求，银行收到货款后再支付给卖方。
而电汇结算是指买方直接通过银行向卖方支付货款。
6. 国际结算中的汇率风险如何应对？汇率风险是指由于汇率波动导致的结算金额损失。
为了应对汇率风险，可以采取以下几种方式：- 使用远期汇率合约锁定汇率，减少汇率波动的影响。
- 使用外汇期权进行对冲，以降低汇率波动带来的风险。
- 在交易合同中约定结算货币，避免货币转换带来的风险。
7. 如何选择适合的国际结算方式？选择适合的国际结算方式需要考虑以下几个因素：- 交易的金额和周期：对于大额交易和长期交易，信用证结算是较为安全和可靠的选择。
国际结算英语试题及答案
国际结算英语试题及答案一、选择题（每题2分，共20分）1. What is the most common type of documentary credit used in international trade?A. Documentary credit at sightB. Usance documentary creditC. Standby documentary creditD. Revolving documentary credit答案：B2. In international settlements, which of the following is not considered a method of payment?A. Letter of creditB. RemittanceC. CollectionD. Barter答案：D3. What does the term "D/P" stand for in international trade?A. Document against paymentB. Document against acceptanceC. Direct paymentD. Deferred payment答案：A4. Which of the following is a risk associated with documentary collections?A. Political riskB. Credit riskC. Exchange rate riskD. All of the above答案：B5. The term "usance" in the context of a usance documentary credit refers to:A. The time it takes for the documents to be presentedB. The time it takes for the payment to be madeC. The time it takes for the goods to be shippedD. The time it takes for the goods to be received答案：B6. What is the primary purpose of a documentary credit?A. To guarantee paymentB. To facilitate the transfer of documentsC. To provide a means of exchangeD. To finance the purchase of goods答案：A7. In international trade, what does "L/C" stand for?A. Letter of creditB. Letter of guaranteeC. Letter of indemnityD. Letter of intent答案：A8. Which of the following is not a document typically required in a documentary credit transaction?A. Commercial invoiceB. Bill of ladingC. Certificate of originD. Personal identification答案：D9. What is the meaning of "at sight" in the context of a documentary credit?A. Payment is made immediately upon presentation of documentsB. Payment is made after a specified periodC. Payment is made at the discretion of the bankD. Payment is made at the time of shipment答案：A10. Which of the following is a form of open account trade?A. Advance paymentB. ConsignmentC. CountertradeD. All of the above答案：A二、填空题（每题1分，共10分）11. The term "clean bill of exchange" refers to a bill of exchange that is _________.答案：unsecured12. The _________ is a document that provides evidence of the terms of a contract for the sale of goods.答案：sales contract13. In international trade, the term "forfaiting" refers to the sale of _________ at a discount.答案：usance bills of exchange14. The _________ is a document that certifies the quality, quantity, and description of the goods being shipped.答案：certificate of inspection15. A _________ is a type of documentary credit that can be drawn more than once within a specified period.答案：revolving documentary credit16. The _________ is a document that provides evidence of the insurance of goods during transit.答案：insurance policy17. The term "acceptance" in the context of a bill of exchange means that the _________ has agreed to pay the amount stated at a future date.答案：drawee18. The _________ is a document that provides evidence of the origin of the goods being shipped.答案：certificate of origin19. A _________ is a type of documentary credit that isissued by a bank at the request of the importer.答案: usance documentary credit20. The term "back-to-back" documentary credit refers to a situation where one documentary credit is _________ on the basis of another.答案：issued三、简答题（每题5分，共30分）21. Explain the difference between a documentary collection and a documentary credit.答案：A documentary collection involves the transfer of documents against payment or acceptance, without a bank guaranteeing payment. A documentary credit, on the other hand, is a commitment by a bank to pay a specified amount to the beneficiary upon fulfillment of the terms and conditionsstated in the credit.22. What are the advantages of using a documentary credit in international trade?答案：The advantages of using a documentary creditinclude providing a guarantee of payment, reducing the riskfor the exporter, ensuring that the terms of the contract are met,。
国际结算英文选择题附答案完整版
国际结算英文选择题附答案HEN system office room 【HEN16H-HENS2AHENS8Q8-HENH1688】1. To the exporter, the fastest and safest method of settlement is ( B )A. letter of creditB. cash in advanceC. open accountD. banker’s draft2. To the importer, the most favorable method of settlement is ( C )of credit B. cash in advance C. open account D. collection3. Which of the following payment method is based on commercialcredit?( C )of credit guarantee C. collection D. standby credit4. An exporter sells goods to a customer abroad on FOB and on CIF terms, who is responsible for the freight charges in each? ( A )A. importer; exporterB. exporter; importerC. importer; importerD. exporter; exporter5. International cash settlement has the following disadvantages except ( B )A. expensiveB. safeC. riskyD. time-consuming6. CHIPS is the electronic clearing system for ( B )B. USD D. EUR7. CHAPS is the electronic clearing system for ( A )B. USD D. EUR8. BOJ-NET is the electronic clearing system for ( D )A. USDB. GBP9. TARGET is the electronic clearing system for ( C )A. USDB. GBP10. CHATS is the electronic clearing system for ( D )A. USDB. GBP11. From a Chinese bank’s point of view , the current account it maintains abroad is known as ( A )A. a nostro accountB. a vostro accountC. a current account home currency account12. From a Chinese bank’s point of view , the current account maintained by a foreign bank with him is known as （B ）nostro account vostro accountcurrent account foreign currency account13. International trade settlement methods are used to complete the money transfer aroused by ( A)A. goods transactionsB. services supplyC. security investmentD. investment incomes14. Documentary credit business is subject to ( A )A. UCP600 522 C. URDG758 D. ISP9815. Collection business is subject to ( B )A. UCP600 522 C. URDG758 D. ISP9816. Standby credit business is subject to ( D )A. UCP600 522 C. URDG758 D. ISP98of guarantee business is subject to ( C )A. UCP600 522 C. URDG758 D. ISP9818. London is the clearing centre for ( B )A. USDB. GBP19. New York is the clearing centre for ( A )A. USDB. GBP20. Tokyo is the clearing centre for ( D )A. USDB. GBP21. Frankfurt is the clearing centre for ( C )A. USDB. GBPthe following documents, the one which is not regarded as control documents is ( D )A. authorized signaturesB. test keysC. schedule of terms and conditionsD. correspondent arrangement23. The seller should arrange for the insurance of the goodstransportation under ( C )24.（ A ） cheque can be cashed over the counter of paying bank.A. An openB. A crossedC. A general crossingD. A special crossing25. The effect of a blank endorsement is to make a negotiable instrument payable to the （ C ）A. specified person B, order of a specified person C. bearer D. named person26. If the bill is pay able “60 days after date”, the date of payment is decided according to （ C ）A. the date of acceptanceB. the date of presentationC. the date of issuanceD. the date of maturity27. The party to whom the bill is addressed is called the（ B ）A. drawerB. draweeC. holderD. payee28. When financing is without recourse, this means that the bank has no recourse to the （ D ）if such drafts are dishonored.A. payerB. draweeC. acceptorD. drawer29. The（ C ） of a promissory note assumes the prime liability to make payment of the note.A. holderB. draweeC. makerD. acceptor30. The bill which must be presented for acceptance is （ B ）A. the bill payable at xx days after dateB. the bill payable xx days after sightC. the bill payable on a fixed dateD. the bill payable at sight31. In order to retain the liabilities of the other parties, a bill that has been dishonored must be （ A ）A. protestedB. given to the acceptorC. retained in the filesD. presented to a bank32.（ C ）is not a holder of a billA. PayeeB. EndorseeC. DrawerD. Bearer33. Which of the following is a relative essential item of a bill ?（ B ）A. amountB. tenorC. payeeD. drawee34. An endorsement ,which prohibits the further negotiation of the instrument ,is called （ D ）endorsement .A. qualifiedB. generalC. specificD. restrictive35. A check is a （ D ）draft drawn on a bankA. time C. direct D. demand36. The act which is never involved in promissory note business is（ C ）37. The act which is never involved in check business is （ C ）38. The acceptor of a bill is the person who originally named as ( B ) ofthe bill.A. drawerB. drawee39. The first holder of a bill is the ( C ) of the billA. drawerB. drawee40. Among the following crossed cheques, the one which contains the words ( D ) is a special crossed cheque.A. bankerB. not negotiableC. A/C payeeD. Bank of China41. The means of authenticating payment order in mail transfer is the（ D ）A. SWIFT authentic keyB. schedule of terms and conditionsC. test keyD. authorized signatures42. The means of authenticating payment order in telegraphic transfer is the（ C ）A. correspondent arrangementB. schedule of terms and conditionsC. test keyD. authorized signatures43. Which of the following is not a method of remittance? （ C ）A. M/TB. T/TC. T/RD. D/D44. Open account as a payment method is usually used when （ D ）are sold under the seller’s market conditionare badly needed by the buyerare of special standards or special specificationsare sold under the buyer’s market condition45. If the reimbursement instruction written on the payment order is expressed as ‘in cover , we have credited your A/C with us’, the A/C relationship between the remitting bank and the paying bank must be( A )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks46. If the reimbursement instruction written on the payment order is expressed as ‘in cover, please debit our A/C with you’, the A/C relationship between the remitting bank and the paying bank must be( B )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks47. If the reimbursement instruction written on the payment order is expressed as ‘in cover, we have authorized Bank A to debit our A/C and credit your A/C with them’, the A/C relationship between the remitting bank and the paying bank must be( C )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks48. If the reimbursement instruction written on the payment order is expressed as ‘in cover, we have instructed Bank X to transfer the proceeds to your A/C with bank Y’, the A/C relationship between the remitting bank and the paying bank must be ( D )A. the paying bank maintains an A/C with remitting bankB. the remitting bank maintains an A/C with paying bankC. both remitting bank and paying bank maintain their A/Cs with a thirdbankD. remitting bank and paying bank have their A/Cs with two different banks49. It will be more convenient if the collecting bank appointed by the seller （ B ）A. is a large bankB. is the remitting bank’s correspondent in the place of the importerC. is in the exporter’s countryD. acts on the importer’s instructions50. Under D/P, the documents will not be delivered to the buyer until （ D ）A. the goods have arrivedB. the documents have arrivedC. the documents are presented to the buyerD. the bill is paid by the buyer51. Under D/A, the documents will not be delivered to the buyer until （ D ）A. the goods have arrivedB. the documents have arrivedC. the documents are presented to the buyerD. the bill is accepted by the buyer52. In collection business, banks are obligated to check the documents received to see that （ C ）A. they are authenticB. they are regularC. they are the same as those listed in the collection instructionD. they are in the right form53. A bill of exchange which is accompanied by shipping documents is known as （ B ）A. a clean billB. a documentary billC. a clean collectionD. a documentary collection54. In documentary collection, after the goods have been shipped, the exporter presents the documents to （ C ）for collectionA. the collecting bankB. the reimbursing bankC. the remitting bankD. the opening bank55. Which of the following is not the obligation of remitting bank in collection ?（ D ）A. to complete a collection order strictly according to the principal’s instructions.B. to perform following all the instructions given by the principal.C. to keep the documents wellD. to examine the contents of documents in detail56. Which of the following is not the obligation of the collecting bank?（ B ）verify the authenticity of the collection orderB. to take care of goodsrelease documents strictly on the delivery terms of documents.perform following all the instructions given by the remitting bank.collection business, the drawer of the draft for collection is ( A )A. sellerB. buyerC. remitting bankD. collecting bank58. In collection business, the drawee of the draft for collection is( B )A. sellerB. buyerC. remitting bankD. collecting bank59. If the collection instruction given by the principal specifies that collection charges are to be borne by the drawee but with no express statement that they may not be waived, charges will be for the account of ( A ) providing the drawee refuses to pay them.A. principalB. remitting bankC. collecting bankD. presenting bank price term which is more favorable to the seller under collection is ( D )A. EXWB. FOBC. CFRD. CIF61. In L/C business , the exporter can receive the payment only when ( C )A. he has shipped the goodshas presented the documentsdocuments presented constitute a complying presentationimporter has taken delivery of the goods.62. In L/C business, the issuing bank can refuse to pay the credit amount when ( C )applicant prevents him from making paymentgoods are not the same as those stipulated in the sales contract kind of document required by L/C isn’t presented.of the applicant’s account is not enough for payment .63. Of the following kinds of L/C, ( B )is the L/C which requires nodrafts at all.payment creditpayment creditcreditcredit64. Of the following kinds of L/C, ( C ) is the L/C in which drafts are always required.payment creditpayment creditcreditcredit65. Of the following kinds of L/C, ( D ) is the L/C which is especially suitable for use to settle the payment of trade conducted through a middleman.creditcreditcreditto back credit66. Of the following kinds of L/C, ( A )is the L/C which is especially suitable for use to settle the payment of trade conducted through a middleman.A. transferable creditB. reciprocal creditC. revolving creditcredit67 Of the following kinds of L/C, ( C ) is the L/C which is especially suitable for use to settle the payment under a long term contract covering goods to be transported by regular partial shipments.creditcreditcreditto back creditthe following kinds of L/C, ( B ) is the L/C which is especially suitable for use to settle the payment under counter trade.creditcreditcreditto back credit69. Confirmation of a credit may be given by ( B )A. the beneficiary at the request of the importerB. the advising bank at the request of the issuing bankC. the advising bank after the receipt of correct documentationD. the issuing bank after the receipt of correct documentation70. The credit may only be confirmed if it is so authorized or allowed by ( A )A. the issuing bankB. the supplierC. the advising bankD. the beneficiary71. The second beneficiary of a transferable letter of credit is the( D )A. middlemanB. transferring bankC. the applicant of the transferred creditD. real supplier of the goods72. The first beneficiary of a transferable letter of credit is the( A )A. middlemanB. transferring bankC. the applicant of the transferred creditD. real supplier of the goods73. The red clause credit is often used as a method of ( B )A. providing the buyer with funds prior to shipmentB. providing the seller with funds prior to shipmentC. providing the buyer with funds after shipmentD. providing the seller with funds after shipment74. An applicant must reimburse an issuing bank unless he finds that( D )A. goods are defectiveB. goods are not as ordered in the sales contractC. documents received do not allow him to clear the goods through customsD. documents do not conform on the face to the terms and conditions of the credit75. Application for any amendment to a letter of credit should be given to the issuing bank by ( A )A. the applicantB. the beneficiaryC. the advising bankD. the nominated bank76. The message type which is used to send a amendment notice of a documentary credit through SWIFT is numbered ( C )A. 700B. 705C. 707D. 710all the financial methods mentioned bellow , which method provides funds without recourse ？ ( C )A. packing loansB. bill discountingC. forfaitingD. borrowing docs against T/Rletter of credit, the primary debtor is the( C )A. applicantB. importerC. issuing bankD. nominated bank79. The applicant of letter of credit is ( B )A. the exporterB. the importerC. the exporter’s bankD. theimporter’s bank80. The beneficiary of letter of credit is ( A )A. the exporterB. the importerC. the exporter’s bankD. theimporter’s bankletter of credit which is expired on Oct. 1, 2008 specifies that “documents must be presented within 15days after the on board date ofbill of lading”. If the on board date of bill of lading is Sep. 10,2008, the latest date of presentation must be ( B )A. Sep. 24 ,2008B. Sep. 25 ,2008C. Sep. 26 ,2008D. Oct. 1, 200882. If there is no indication in the credit of the insurance coverage required, the amount of insurance coverage must be at least ( C ) of the CIF or CIP value of the goods.A. 100% % C. 110% %83. Which of the following actions performed by the nominated bank is not regard as the action of honor( D )A. to pay at sight under sight payment creditB. to incur a deferred payment undertaking and pay at maturity underdeferredpayment creditC. to accept the draft and pay at maturity under acceptance creditD. to negotiate under negotiation credit84. Complying presentation under letter of credit means a presentationthat is in accordance with the terms and conditions of credit, the applicable rules of UCP and provisions of ( B )A. ISP98B. ISBP681C. ICC Publication Publication No. 75885. Among the following banks, the one who has no obligation to examine documents under letter of credit is ( C )A. the issuing bankB. the confirming bankC. the reimbursing bankD. the nominated bankfollowing are the financing methods which can be used by the seller inL/C business except ( D )A. negotiating the documentary draft to his bankA.applying for packing loans from his bankB.discounting the time draft already accepted by the drawee bankD. Borrowing docs from issuing bank against T/Rfollowing are the financing methods which can be used by the buyer in L/C business except ( D )for issuing L/C with no margin requirement.docs from issuing bank against T/Rthe goods from shipping company against indemnity guarantee signed by the issuing bank.for packing loans from his bank88. A bill of lading doesn't function as ( D )A. a contract of transportationB. a receipt of goodsC a certificate of title to the goods D. an accounting document89. The drawee of a draft drawn under letter of credit may be ( C )A. the beneficiaryB. the applicantC. the issuing bankD. the negotiating bank90. If the bill of lading is made out to order , it must be endorsed by （ B ）so as to complete the transfer of the title to the goods .A. the carrierB. the shipperC. the notify partyD. the nominated bank。
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国际结算（英文版）清华大学出版社-答案KEY OF INTERNATIONAL SETTLEMENTChapter 1I.Put the following phrases into English2.Put the following sentences into English (1)国际结算涉及有形贸易和无形贸易，外国投资，从其他国家借贷资金，等等。
The international settlement involvestangible trades, intangible trades, foreign investments, funds borrowed from or lent to other countries and so on.(2)许多银行注重发展国际结算和贸易融资的业务。
Many banks have focused on their business of international settlement and trade finance.(3)大多数国际间的支付来自于世界贸易。
Most of the international payments originate from transactions in the world trade.(4)一般来说，国际结算的方式分为三类：汇款、托收和信用证。
Usually the international settlement isdivided into three broad categories:remittance, collection and letter of credit.3.True or False1)I nternational payments and settlementsare finan cial activities con ducted in the domestic coun try. (F)2)F und transfers are processed and settledthrough certain clearing systems.(T)3)Using the SWIFT network, banks cancomm uni cate with both customers andcolleagues in a structured, secure, andtimely mann er.(T)4)SWIFT can achieve same day transfer.(T)4.Multiple Choice1)SWIFT is _B__A.i n the united statesB.a kind of comm uni cati ons bel onging to TTsystem for interbank ' s fund transferC.an in stituti on of the Un ited Nati onsD.a gover nmen tai orga ni zati on2)SWIFT is an organization based in A ______A.BrusselsB.New YorkC.LondonD.Hong Kong3)A facility in fund arrangement for buyersor sellers is referred to A ______A.t rade financeB.sale con tractC.l etter of creditD.bill of excha nge4)Fund transfers are processed and settledthrough __C ___A.banksB.SWIFTC.cleari ng systemD.t elecomm uni cati on systems5)__C__is the reason why internationaltrade first bega n.A.Uneven distribution of resourcesB.Patter ns of dema ndC.Econo mic ben efitsparative adva ntages5.An swer the followi ng questi ons1)W here are the medium of excha nge origi natedfrom?Traci ng back the history of in ter nati onal settlement, the medium of exchangeorigi nated from coins to no tes.2)What will in evitably lead to un der theinternational political, economic andcultural excha nges?cultural exchange inevitably leads to credits and debts owed by one country to another.3)W hy do banks focus on the development of thebusinesses of international settlement?Banks focus more and more on the developmentof the businesses because it is a majorresource of profits.4)W hat will banks do to meet the higher andhigher demand of the international market?Banks need to develop innovative products and deliver the best services possible inwhatever way they can.Chapter 21.Put the following phrases into English2.Put the following sentences into English (1)用于国际结算的货币是可兑换的货币•Curre ncies used in the in ter nati onalsettleme nt are con vertible curre ncies. (2)每一个通信和支付系统都有自己的使用规贝薦Each comm uni cati on and payme nt systemhas its own rules.(3)有五种美元清算的方式。
There are five US dollar fund transfer payme nt methods.(4)欧元是欧盟国家使用的货币。
Euro is the si ngle curre ncy of theEuropean Union.(5)香港作为国际金融中心必须遵循国际惯例。
As an international financial center, HongKong must follow international paymentpractice.3.True or False1)C HIPS payments are irrevocable and subject toa same-day net settlement process.(T)2)B ook transfers are payment made betweenparties that maintain accounts at thedifferent bank.(F)3)I n Japan, cash is not far more often usedthan checks for payment at the retaillevel.(F)4)N ot later than July 2002, the Euro willreplace the national currencies in all public and private transactions.4.Multiple Choice1)The following are the special problems forintern ati onal trade except for __C__ing foreign Ianguages and foreigncurre nciesB.under foreign laws, customs andregulati onsC.hav ing risksD.n umerous cultural differe nces2)All the parties to a collection are boundby C__A.UCP400B.UCP500C.UCR522D.URC2543)An additional risk borne by the sellerwhengranting a credit to the buyer is that the latter will not __D _A.accept the billB.t ake up the docume ntsC.t ake deliveryD.make payme nt at maturity4)To the exporter, the fastest and safestmethod of settleme nt is __BA.l etter of creditB.advanee paymentC.collectio nD.banker' s draft5)To the importer, the fastest and safestmethod of settleme nt is __C_ —A.l etter of creditB.cash in advaneeC.ope n acco untD.banker' s draft6)Which is the real in ter nati onal payme ntsystem? AA.TARGETB.FedWireC.CHAPSD.SWIFT5.An swer the followi ng questi ons1)How will fund transfers be processed andsettled?Fund tran sfers are processed and settledthrough certai n cleari ng systems.2)What is FedWire?FedWire is an electro nic payme nt systemoperated by the U.S. Federal Reserve. It si used to makeUSdollar payments to banks andtheir customers throughout the United States.3)When will the euro start to use?From January 1,1999, Euro is the sin glecurre ncy of the Europea n Union.4)What is the stro ngest of SWIFT?The strongest feature of SWIFTis messagetext sta ndards.Chapter 31.Put the following phrases into English2.Put the following sentences into English (1)两家银行建立代理行关系的原则是基于双方的互惠互利The overall principle to establishcorrespondent banking relationship betweentwo banks is on the basis of mutual benefits.(2)一家银行对其所在国金融系统的重要性是对该银行进行评级的重要因素。