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1、2022年广西金融英语(FECT)考试真题卷本卷共分为1大题50小题，作答时间为180分钟，总分100分，60分及格。一、单项选择题（共50题，每题2分。每题的备选项中，只有一个最符合题意） 1.In dual currency system, all ledgers are maintained _.Ain foreign currency, with foreign currency transactions being recorded in local currency equivalentsBin natural currency, with foreign currency tra
2、nsactions being recorded in local currency equivalentsCin local currency, with foreign currency transactions being recorded in local currency equivalentsDin base currency, with foreign currency transactions being recorded in local currency equivalents 2.In the multiple currency accounting system, al
3、l foreign currency transactions are. only in _.Alocal currency, and a separate entry being maintained for each currency usedBnatural currency, and a separate currency ledger being maintained for each currency usedCbase currency, and a double entry being maintained for each currency usedDforeign curr
4、ency, and a separate currency ledger being maintained for each currency used 3.Two accounting systems car generally be used to account for foreign exchange transactions, namely, _.Athe single entry system and the double entry systemBthe single entry system and the multiple currency accounting system
5、Cthe double entry system and the multiple currency accounting systemDNone of the above is true. 4.If the British branch of an American bank is selling Australian dollars to a German hank, local currency equivalent is _.AAustralian dollars expressed as British Pounds.BAustralian dollars expressed as
6、American dollars.CBritish Pounds expressed as Australian dollars.DAmerican dollars expressed as Australian dollars. 5.In the case of pledge, _.Abefore the debt is discharged, both the pledgor and the pledgee are entitled to tile possession of tile propertyBbefore the debt is discharged, the pledgor
7、is entitled to the exclusive possession of the propertyCafter the debt is discharged, the pledgee is entitled to the exclusive possession of the propertyDbefore the debt is discharged, the pledgee is entitled to the exclusive possession of the property 6.All of the following statements are tree exce
8、pt _.Athere are several ways in which a bank may take security for an advance, they include charge, lien, mortgage and pledgeBthere are several ways in which a hank may take security tbr an advance, they include hypothecation, lien, mortgage and pledgeCthere are several ways in which a bank may take
9、 security for an advance, they include charge, lien, mortgage and pawnDThere are several ways in which a bank may take security for an advance, they include charge, lien,mortgage and credit 7.In the case of an ordinary lien, _.Athe creditor is file owner of the property, so it has a right to sell it
10、Bthe borrower is the owner of the property, but he has no right to sell itCthe borrower is the owner of the property, and has right to sell itDthe creditor is not only the owner of the property, but also in actual or constructive possession of the property 8.In the case of mortgage, _.Athe possessio
11、n of the property remains with the lenderBthe lender obtains constructive possession of the goodsCthe lenders measure of control over the property is unlimitedDthe possession of the property remains with the borrower 9.In the case of mortgage, _.Athe mortgagee has no power of sale, but the possessio
12、n of the property usually remains with him unless and until there is a defaultBthe mortgagee has a power of sale, and the possession of the property usually remains with him unless and until there is a defaultCthe mortgagee has a power of sale, but the possession of the property usually remains with
13、 the mortgagor unless and until there is a defaultDthe mortgagee has no power of sale, and the possession of the property usually remains with the mortgagor unless and until there is a default 10.If a major borrower gets in trouble because of inability to _ a loan, the bank may find itself in seriou
14、s trouble as well.AserviceBproceedCpromoteDreturn 11.Most banks would hesitate to commit their scarce reserves to such a customer unless there was good prospect of a _ in the customers circumstances.AprogressBturnaroundCshowoffDhealing 12.An important technical issue here is whether deeds to propert
15、y have been properly _ with local governmental authorities so that the bank knows for sure who currently has title to the property.AfiledBwrittenCfilledDcommitted 13.Some companies, governments and banks have borrowing requirements which are so large that their domestic market cannot _ them.AholdBsh
16、areCshoulderDaccommodate 14.The collateral pledged behind a loan and the other assets that a borrower may oval are the second line of defense against loan _ , after the borrowers cash flow.ApaymentBdeferCdefaultDrepayment 15.As the institutions loan losses _ , wary depositors withdrew funds from Pen
17、n Square.AincreasedBimprovedCmountedDsettled 16.Attached to each Eurobond are which the bearer can tear off in order to claim the interest payment.AtissuesBcouponsCdocumentsDmaterials 17.A _ foreign exchange deal is one made for settlement in two working days time.AperiodicBspotCone- offDshort 18.A
18、loan agreement signed by unauthorized persons could prove to be _ and, therefore, result in substantial losses for the bank.AuncontrollableBuncollectableCfailDbound 19._ balance sheet items by interest rate sensitivity rather than by traditional accounting categories permits managers to examine seve
19、ral distinct asset/liability groupings.AManagingBImplementingCFormulatingDSegregating 20.Designated foreign exchange banks shall use their own funds other than Renminbi fun& to conduct foreign exchange surrender business.AA. RightBB. WrongCC. Doesnt say 21.Once the termination is approved, these fin
20、ancial institutions shall dispose their foreign exchange assets and liabilities and have their license maintained.AA. RightBB. WrongCC. Doesnt say 22.Financial institutions dealing in foreign exchange business shall present to the SAFE their balance sheets, profit and loss statements and other state
21、ments or information covering foreign exchange operations.AA. RightBB. WrongCC. Doesnt say 23.After debtors fully clear their foreign debts, they are required to retain their external debt accounts for future use.AA. RightBB. WrongCC. Doesnt say 24.The state adopts a registration system for external
22、 debt to effectively control the size of foreign borrowing and raise the efficiency of using foreign funds.AA. RightBB. WrongCC. Doesnt say 25.The data on external debts are not to be revealed to the public.AA. RightBB. WrongCC. Doesnt say 26.Low asset quality might affect a banks capital ratio or e
23、ven lead to the bankruptcy of the bank.AA. RightBB. WrongCC. Doesnt say 27.Under the loan classification system, standards used to assess credit quality are mainly based on the degree of risk and the possibility of orderly repayment.AA. RightBB. WrongCC. Doesnt say 28.It is not necessary for a hank
24、to have adequate provisions as allowance for bad debts.AA. RightBB. WrongCC. Doesnt say 29.Before the United States, some form of risk - based loan/asset classification system was adopted in Singapore to monitor banks asset quality and assess its adequacy of provisions.AA. RightBB. WrongCC. Doesnt s
25、ay 30.If the negotiating bank has negotiated a credit confirmed by itself, it will _.Abe able to claim repayment from the beneficiary of the advance which is not ultimately forthcoming from the issuing bankBnot be able to claim repayment from the beneficiary of the advance which is not ultimately fo
26、rthcoming from the issuing trunk, provided the terms of the credit have been complied withCbe able to claim repayment from the beneficiary of the interest which is net ultimately forthcoming from the issuing bankDnot be able to obtain reimbursement from file issuing bank 31.Under negotiation credit,
27、 the credit _.Ais always negotiated through the advising bankBis sometimes negotiated through the advising bankCcan always be, negotiated through any bankDNone of the above is tree. 32.Under payment credit, the nominated bank _.Awill pay the beneficiary unconditionallyBwill pay the beneficiary after
28、 checking that the received documents meet the credit requirementsCremit the funds to the beneficiary only on receipt of the time draftDis nominated by any bank 33.A credit can be negotiated by _.Athe importerBthe beneficiaryCthe advising bankDthe applicant of the credit or the advising bank 34.If a
29、 bank negotiates a credit, it will _.Aadvance money to the beneficiary without charging any interestBadvance money to the beneficiary only against sight draftCalways advance money to the beneficiary without recourseDadvance money to the beneficiary with recourse provided that the credit is not confi
30、rmed by it 35.In many countries, before an insured person can take legal action against an insurer, he _.Amust present an insurance certificateBmust present a planCmust present no other documents than an insurance certificateDmust present an open policy 36.Which of the following statements is true.
31、The benefit of the open cover system is that _.Ait avoids to negotiate insurance termsBit avoids tire necessity of issuing a separate policy for each individual shipmentCit provides insurance cover to all kinds of goodsDit avoids the necessity of issuing an insurance certificate 37.When an exporter
32、sells goods on a regular basis, he will normally arrange an open policy of insurance to cover all his exports during a specific period. Here an open policy means _.Aa policy which is free from limitations.Ba policy that is accessible to all.Ca kind of insurance certificate which provides insurance c
33、over at all times within agreed terms anti conditions.DNone of the above. 38.During the journey from the exporter to the importer, _ is responsible for insuring the goods.Athe importerBthe exporterCeither the importer or fire exporterDNone of the above. 39.The sentence if an exporter sells goods on
34、a one - off basis means _.Aif an exporter sells goods regularlyBif an exporter sells goods irregularlyCif an exporter sells goods for only once and will never sell goods againDNone of the above are correct. 40.The balance sheet _.Aprovides a measure of the success or failure of an enterprise over a
35、specified period of timeBshows the changes of working capital during a specific time periodCshows the relationship among assets, liabilities and owners equitiesDNone of the above. 41.An income statements _.Astates only incomeBshows the major resources of revenues generatedCshows the major resources
36、of expenses associated with the revenuesDBoth B and C 42.Which of the following is not the alternative title of income statementAStatement of Cash Flow.BProfit and Loss Statement.CEarnings Statement.DStatement of Operation. 43.The owners equity is _.Athe money paid by the owners at inception of a fi
37、rmBnet worth of a firmCgross profit of a firmDthe rest resources aside from liabilities 44.Statement of Cash Flow _.Ashows the relationship between cash and costBexplain the changes in working capital or cashCshows the relationship among assets, liabilities and owners equitiesDstates the income in t
38、erms of cash 45.None of the following statements is true except _.Athe trustor is responsible for administering the property for the benefit of the trustee onlyBthe trustee is responsible for administering the property for the benefit of tile trustor oulyCthe trustee is responsible for administering
39、 the property for the benefit of the beneficiary or beneficiariesDthe trustor is responsible for administering the property for the benefit of the trustee or a designated party 46.Trust Deposits are made under trustee account agreements _.Asigned in advanceBfulfilled in advanceCdrafted in advanceDsi
40、gned and fulfilled in advance 47.The party who creates the trust is _.Athe trusteeBthe beneficiaryCtrustorDNone of the above is correct. 48.In the establishment of a trust, there are primarily _.Athree principal parties involved: trustor, trustee and grantorBthree principal parties involved: settlor
41、, trustee and grantorCthree principal parties involved: trustor, donor and grantorDthree principal parties involved: settlor, trustee and beneficiary 49.For withdrawals by the trustee where a trustee has both a personal account and a trustee account in the bank.Athe bank is not subject to inquiry in
42、 cases of loss to beneficiaries through steady and large withdrawals from the trustee account to personal accountBthe bank is always subject to inquiry in cases of loss to beneficiaries through steady and large withdrawals from the trustee account to personal accountCthe bank might become subject to
43、 inquiry in cases of loss to beneficiaries through steady and large withdrawals from the trustee account to personal accountDthe trustor might become subject to inquiry in cases of loss to beneficiaries through steady and large withdrawals from the trustee account to personal account. 50.You are allowed to write up to ten checks without a service charge.Thats all You mean ten checks is the _ AA. balanceBB. maximumCC. minimum第21页 共21页第 21 页 共 21 页第 21 页 共 21 页第 21 页 共 21 页第 21 页 共 21 页第 21 页 共 21 页第 21 页 共 21 页第 21 页 共 21 页第 21 页 共 21 页第 21 页 共 21 页第 21 页 共 21 页