Facebook @Dethivaonganhang www facebook com/Dethivaonganhang www ThiNganHang com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang 1 ĐỀ THI ANH VĂN MOODY VÀO ĐỀ SỐ 3 Đáp án + Dịch Mr Nguyễn Lê Giang Mail[.]
Facebook: @Dethivaonganhang www.facebook.com/Dethivaonganhang ĐỀ THI ANH VĂN MOODY VÀO ĐỀ SỐ Đáp án + Dịch: Mr Nguyễn Lê Giang - Mail: legiang127@gmail.com Đề thi tương tự English Test cho vị trí Tín dụng, Phê duyệt tín dụng, Kiểm soát nội Vietcombank (Xem Đáp án từ Trang 5) In assessing the likelihood of loan repayment, it is equally important to focus analysis on management skill and management integrity, since both are fundamental to successful business operations A True B False In assessing the risk associated with loan repayment, it is equally important to focus analysis on management skill and management integrity, because A low integrity may be offset by successful application of business practices in highly competitive situations B weakness in one must be offset by strength in the other if debt is to be serviced properly C skill can rarely be supplemented readily from external sources D both skill and integrity are fundamental to successful business operations www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang Facebook: @Dethivaonganhang www.facebook.com/Dethivaonganhang In general, a firm that sells a minority of its output to any one buyer is said to have "power" or leverage, in that it can normally dictate the terms of the relationship to the purchaser (24 Points) A True B False If barriers to entry are considered to be low in a given industry, you could expect to see A a concerted effort on the part of firms in the industry to increase switching costs B little effort on the part of firms in the industry to differentiate their product C sustained attempts on the part of firms in the industry to minimise value-added product features D sustained attempts on the part of firms in the industry to minimise advertising costs If the bargaining power of buyers is weak in a given industry, the suppliers to that sector may well experience A movement by individual buyers to grow their volume of purchases B efforts by buyers to increase switching costs C pressure from buyers to drive up supply prices by threat of forward integration D demands from buyers to stretch trade payment terms If products are well differentiated in a given market, a potential entrant may face heavy development and advertising costs to establish itself and its product, thus reducing the threat of entry A True B False www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang Facebook: @Dethivaonganhang www.facebook.com/Dethivaonganhang Management succession is a critical issue to consider when analysing the management aspect of credit risk primarily because A corporate governance efforts suffer without smooth transition in management B it provides a head start on future lending relationships and opportunities C loans made now depend on cash flow in the future to be repaid as scheduled D it is important to know exactly who the bank will be working with should the current CEO depart Market overcapacity decreases credit risk because it suggests customers are demanding more of a given product than the borrower can produce A True B False Management experience plays an important role in the lending decision process because A the majority of management firms that ultimately fail have inexperienced B in the end, management is responsible for all the decisions and policies adopted and implemented by the company C experience in one business sector is easily transferable to other business sectors D management integrity is a function of job experience 10 The degree of experience present in the upper management of a business plays a key role in assessing management risk because A most firms that go out of business so because of inexperienced management www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang Facebook: @Dethivaonganhang www.facebook.com/Dethivaonganhang B management integrity is a function of job experience C the time spent in a specific business or industry is the best overall indicator of competence D management is ultimately responsible for decisions and policies adopted and implemented by the business 11 The generation of future cash flow is typically as dependent on management integrity as it is on management skill A True B False 12 The extent of the experience present in a firm's upper management plays an important role in the credit decision because A the time spent in a business or industry is the best indicator of competence B management is ultimately responsible for all the decisions and policies adopted and implemented by the business C experience in one industry is usually easily transferred into success in other industries D most businesses management that fail are characterised by inexperienced 13 Which of the following factors does NOT place the supplier in a position of power, or leverage, in the supplier/buyer relationship? (select all that apply) A Importance of the suppliers’ product as an input to industry's products B A few suppliers dominate the market C Minimal switching costs D There is an abundance of substitute products E There are many suppliers producing the product www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang Facebook: @Dethivaonganhang www.facebook.com/Dethivaonganhang 14 Which of the following is least adversely affected by market overcapacity? A Product pricing B Number of companies in the market C Product availability D Unit sales E Product quality 15 When extending credit to firms in very mature industries, it is critical not only to identify which stage of the cycle an individual business and its industry are in, but also A how a firm seeks to maintain existing basic technologies B what the industry is doing to retain experienced management teams C what marketing efforts the industry is making to maintain existing customers D what a firm is doing to make the transition to stay in business ĐÁP ÁN In assessing the likelihood of loan repayment, it is equally important to focus analysis on management skill and management integrity, since both are fundamental to successful business operations A True B False Trả lời: (A) True Ý câu hỏi đánh giá khả trả nợ, cần cân giữa: (i) xem xét tư cách, tính cách chủ doanh nghiệp www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang ... because of inexperienced management www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang Facebook: @Dethivaonganhang www.facebook.com/Dethivaonganhang B management integrity is a... and its product, thus reducing the threat of entry A True B False www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang Facebook: @Dethivaonganhang www.facebook.com/Dethivaonganhang... suppliers producing the product www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang Facebook: @Dethivaonganhang www.facebook.com/Dethivaonganhang 14 Which of the following is least