金融英语第6.docx
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金融英语第6.docx
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金融英语第6
当前位置:
首页.\阅读.\Part6.\Exercise.\1.MultipleChoice
1.MultipleChoice
Directions:
Thereare10incompletesentences.Eachhasfourchoicesmarkeda,b,candd.ChoosetheONEthatbestcompletesthesentence.
(1)Whichisnotthecategoryoftherisk-basedfive-categoryloanclassificationsystem?
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A.Pass
B.Specialmention
C.Substandard
D.Baddebts
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(2)In_____,exporter'sbankprovidesloanstotheimporterortoanimporter'sbank.
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A.buyercredit
B.suppliercredit
C.forfaiting
D.BOTapproach
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(3)_______isanindicatorofleverageratios.
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A.Netincome/netaccountreceivable
B.Netsales/netaccountreceivable
C.Quickassets/currentliabilities
D.Totalliabilities/capitalfunds
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(4)Inrealestateloan,maximumamountofwhichis_______oftheproperty.
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A.50%
B.60%
C.70%
D.80%
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(5)Atypicalforfaitingtransactioninvolvesfiveparties.Theyare__________.
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A.exporter,importer,forfaiter,investor,andimporter'sbank
B.exporter,importer,forfaiter,investor,andexporter'sbank
C.exporter,importer,forfaiter,investor,andanybank
D.exporter,importer,forfaiter,investor,andforfaiter'sbank
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(6)__________isakindofshort-termloantomeettemporaryneedandissupposedtopaybackatonetime.
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A.Creditcard
B.Consumercredit
C.Amortizationloans
D.Non-installmentloan
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(7)Inamortizationloans,theborrowercanpayback__________.
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A.atonetime
B.interestatonetime
C.principalatonetime
D.atseveraltimes
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(8)_______isalsocalledbridgeloan.
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A.Creditcard
B.Amortizationloan
C.Non-installmentloan
D.Short-termloan
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(9)BOTisanabbreviatedformof_____________.
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A.build-or-technology
B.build-operate-transfer
C.build-operate-technology
D.benefit-operate-transfer
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(10)Thefirstprincipleofbudgetarycontrolisto__________.
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A.recordtheactualperformance
B.comparetheactualperformancewiththatplanned
C.establishaplanortargetofperformancewhichcoordinatesall
theactivitiesofthebusiness
D.actimmediately,ifnecessary,toremedythesituation
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(11)Commercialbanksrequirediversifiedassetsforadequate______.
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A.liquidity
B.profit
C.security
D.others
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(12)DepartmentofCreditmustconsiderbudgetarytarget,netrevenueand___________.
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A.risk
B.liquidity
C.cost
D.others
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(13)Whenaverageloansis100,netcreditlossesis4.2then,thecreditlossratiois________.
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A.4.2%
B.95.8%
C.0
D.2.1%
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(14)Increditmix,tenorrefersto___________.
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A.termofloan
B.termstructureofloan
C.termstructureofasset
D.termofasset
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(15)Ifnetsalesis1,000,costofgoodssoldis600,thegrossprofitis__________.
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A.1,600
B.400
C.1,000
D.600
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(16)Ifworkingcapitalis500,netsalesis600,howmuchisworkingcapitalturnover?
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A.5/6
B.1.2
C.1,100
D.100
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(17)The'fiveP'doesn'treferto___________.
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A.people
B.purpose
C.payment
D.project
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(18)Whencurrentassetsis400,currentliabilitiesis300,howmuchofworkingcapital?
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A.700
B.1,200
C.0.75
D.100
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(19)__________referstoa'secondwayout'incasetheprimaryrepaymentsourcefails.
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A.Thepeoplefactor
B.Thepaymentfactor
C.Theprotectionfactor
D.Theperspectivefactor
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(20)Themostconservativeleverageratioshowsthemostdebtand_________networth.
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A.most
B.least
C.best
D.fewest
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(21)Ifobligor'sriskweightis30%,itsriskclassis__________.
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A.A
B.B
C.3A
D.2A
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(22)Securitiessubjecttomortgageareexcluding_________.
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A.titledeeds
B.lifepolicies
C.contractofpropertyinsurance
D.stocks
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(23)Inacaseofanordinarylien,________istheowneroftheproperty.
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A.bank
B.borrower
C.lender
D.theother
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(24)Theriskweightforsubstandardassetsis___________.
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A.10%
B.20%
C.50%
D.100%
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当前位置:
首页.\阅读.\Part6.\Exercise.\2.TrueorFalse
2.TrueorFalse
Directions:
Readthefollowingsentencesanddecidewhethertheyaretrueorfalse.
(1)Forfeitingprovidesasourceofnon-recoursefinancethroughuseofdrafts,promissorynotesorotherinstrumentsrepresentingsumsduetotheexporter.
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A.true B.false
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(2)Forfaitingbanksrequiretheinstitutiontohaveavalbyaninternationallyrecognizedbankforthepurposeofreducingtherisk.
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A.true B.false
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(3)Sellercreditisthatexporter'sbanklendsthemoneytoadomesticexporterwhothengivestheimportertheconvenienceofdeferredpayment.
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A.true B.false
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(4)Buyercreditisthatexporter'sbankdirectlylendsthemoneytoanimporterortheimporter'sbankandtheimporterwillpayforthegoodswiththeloan.
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A.true B.false
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(5)Insuppliercredit,exporter'sbankprovidesloanstotheimporterdirectly.
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A.true B.false
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(6)Theborrower'sabilitytoborrowautomaticallyreducesitsneedtoholdliquidassets.
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A.true B.false
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(7)ThemostcommoncurrencyinForfeitingisUSdollar.
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A.true B.false
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(8)CommonequityisanimportantpartofTier1capital.
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A.true B.false
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(9)Whenriskweightiszero,therisk-adjustedassetiszero.
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A.true B.false
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(10)Riskweightoftreasurebillis100%.
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A.true B.false
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(11)Feesrevenueconstitutesthemainpartofrevenueofthebank.
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A.true B.false
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(12)Theoperatingtargetofcommercialbanksisprofit.
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A.true B.false
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(13)The'fiveP'modeldissectstheinformationandfocusesonprofit.
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A.true B.false
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(14)Ratioanalysisconcentratesonthefutureratherthanonthepast.
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A.true B.false
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(15)Creditportfoliomanagemententailsthatallcreditsjudgedtobeuncollectable.
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A.true B.false
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当前位置:
首页.\阅读.\Part6.\Exercise.\3.Cloze
3.Cloze
Directions:
Readthefollowingparagraphsandthenputthesuitablewordsorphrasesintotheblanks.
fixedassetinvestment
short-termloans
medium
workingcapital
maturity
long-termloans
1
2
3
4
5
6
By________,loanscanbedividedintotwobroadcategories.Thosewithmaturityofoneyearorlessarecalled__________whilethosewithmaturityexceedingoneyeararecalled__________or______________.Short-termloansareoftenusedtosatisfy_____________________needswhereaslong-termloansareoftenusedtofinance________________.Loanscanalsobecategorizedaccordingtothenatureofcontractualarrangementaswellasintendeduse.
Aproperlystructuredloanincludes___________----a"secondwayout"incasetheprimary__________sourcefails.Protectioncanbe______________wherethelenderlooksexclusivelytothebuyer,and___________whereathirdpartyaddsitscreditresponsibilitytotheborrower.Internalprotectionrelieson____________,liquid(accountreceivableandinventoryqualityandcomposition),andfixedassetvalues.Internalprotectioncanbeeitherspecific__________orfuture____________________iftheprimarysourceofrepaymentisassetconversion.Externalprotectionmostcommonlytakestheformofguarantees,endorsement,orrepurchaseagreements,_______________,etc.However,loanbasedsolelyonthecreditresponsibilityofthe________________isnormallyahigh-riskloanattheoutset,becausethereisonlyone_______________ofrepayment.
protection
internal
repayment
capitalization
external
collateral
source
guarantor
hypothecatedcollateral
cashflow
1
2
3
4
5
6
7
8
9
10
Ratioanalysisisusedto____________certainfactors,whichmayaffectacompany'sabilityto_________debtorotherwisesatisfyitscreditors.Itprovidestheanalystwiththetoolstomeasurethequalityandworthof_________,aswellastheextentandnatureof__________.Ratioshelpmeasuretheabilityofafirm's______________:
Doesthecompanyearnafairreturn?
Canitwithstanddownturns?
Doesithavefinancialflexibilityasmeasuredbyitsabilitytoattractadditionalcreditorinvestors?
repay
compare
liabilities
management
assets
1
2
3
4
5
有错!
正确答案是:
1.maturity;2.short-termloans;3.medium4.long-termloans;5.workingcapital;6.fixed-assetinvestment.
有错!
正确答案是:
1.protection;2.repayment;3.internal;4.external;5.capitalization;6.collateral;7.cashflow;8.hypothecatedcollateral;9.guarantor;10.source.
有错!
正确答案是:
pare;2.repay;3.assets;4.liabilities;5.management.
当前位置:
首页.\阅读.\Part6.\Exercise.\4.Translation
4.Translation
Directions:
TranslatethefollowingparagraphsintoChinese.
(1)Overdraftisanagreedlineofcreditoperatingdirectlythroughthecurrentaccount.
(2)ExportCreditisgovernme
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