Facebook: @Dethivaonganhang www.facebook.com/dethivaonganhang Trắc nghiệm Tiếng Anh Ngân hàng Dạng - Chọn Đáp án Đúng Số câu: 38 câu Đáp án + Dịch: Mr Nguyễn Lê Giang - ĐT: 0888.888.713 Facebook: https://www.facebook.com/giang.banker Kết bạn để Hỏi/Đáp - Nhận chia sẻ kinh nghiệm thi tuyển ngân hàng Tài liệu dành cho: - Mọi vị trí thi tuyển vào ngân hàng (GDV, Tín dụng, Thanh tốn quốc tế, ) Lưu ý: Click vào Câu hỏi (chữ xanh) đến Đáp án Ngược lại (Xem Đáp án từ Trang 9) o0o -DẠNG 1: Choose the best answer Banks provide a place for you to keep your non-cash items, which is also known as ……… a) Saving accounts b) Safe deposit boxes c) Deposit slips d) None of these Exchanging goods and services without using money is ……… a) Bartering b) Borrowing c) Salary d) None of these When using Net Present Value method to assess a project, that project will be accepted if a) NPV equals to initial investment b) NPV < 0, but the minimum Internal Rate of Return (IRR) equals to deposit interest c) NPV > 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 d) All above answers are wrong The benefit of diversifying investment is a) Reducing risk of the set of investment assets b) Increasing the estimated rate of profit against each assets c) Reducing risk of each asset d) Increasing the profit rate of the set of assets e) All above answers are wrong f) All above answers are correct Company B is granted a loan of 600 millions VND by a bank to make payment for buying materials in favour of company D which has an account with that Bank When entries for this transaction are posted, how will the Accounting Balance sheet change? a) Liabilities increase, assets increase b) Liabilities increase, assets decrease c) Both liabilities and assets remain unchanged Company A had a bank loan of VND 50 millions At maturity, there’s only 30 millions VND on company A’s account Bank account debited 30 millions VND from the account The rest was put ino non-paid load interest of the customer Two entries in turn are: a) An off-balance sheet entry, an on-balance sheet entry b) Off-balance sheet entries c) On-balance sheet entries d) None of above answers is correct Equity capital a) Is the capital of corporate owners excluding payment guarantee b) Is the capital of corporate owners and contributed investors or from business results Then equity capital is not a debt c) Is the real fund available during the business and producing process of the corporate d) None of above answers is correct In Bank loan, Customer and the Bank can agree the grace period in credit contract That is: a) Time for withdrawing loan amount b) A specific period in loan term that the Customer has to pay the interest, not the principal 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 c) A specific period in loan term that the Customer does not have to pay the principal, the interest d) None of above answers are correct Which of the following has a service charge or fee for use? a) Stop payment order b) Certified check c) Bounced check/check returned for insufficient funds d) All of the above answers 10 On money loaned, banks charge ……… a) More interest than what they pay on amounts in saving accounts b) Less interest than what they pay on amounts in saving accounts c) The same interest that what they pay on amounts in saving accounts d) Nothing in saving accounts 11 Which of the following is good cheque writing practice? a) Never cross out any part of your cheque b) Never date the cheque with a future date c) Never leave any blank lines on your cheque d) All of the above answers 12 What is the most important theoretical concept behind the effectiveness of fiscal policy? a) The interest rate b) The money multiplier c) The price level d) The credit card 13 If the Fed increases the federal funds interest rate, banks are money likely to what? a) Hold fewer reservers b) Hold no reservers c) Hold more reservers d) Hold 100% reservers 14 What body or agency prints money? a) The Fed b) The public c) The private sector 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 d) The treasury 15 Which of the following is not directly controlled under the US central banking system? a) The money supply b) The interest rate c) The money demand 16 A documentary credit for USD 120,000.00 calls for shipment of fertiliser in February, March, April and May Each shipment is to be for about 500 tonnes Shipment was effected as follows: a) 450 tonnes sent 24 February for value USD 27,000.00 b) 550 tonnes sent 12 April for value USD 33,000.00 c) 460 tonnes sent 30 April for value USD 28,000.00 d) 550 tonnes sent 04 June for value USD 33,000.00 17 Which of the above shipments will be honoured on presentation? a) only b) and only c) and only d) 1, and only 18 In accordance with ISP98, which of the following statements is correct? The issuer of a standby letter of credit MUST: a) Validate the breach of any underlying transaction b) Ensure the accuracy of any documents presented c) Ensure the genuineness of any documents presented d) Honour presentations that appear on their face to comply 19 An issuer of a standby credit subject to ISP98 is responsible for: a) accuracy of any document b) act of omission by the nominated bank c) observance of law as stated in the standby d) performance of any underlying transactions 20 A reimbursing bank has received a valid claim under its reimbursement undertaking and is instructed by the issuing bank NOT to honour the claim In accordance with the URR525, the reimbursing bank should: a) request the claiming bank to cancel the claim b) instruct the claiming bank to contact the beneficiary c) honour the claim and debit the issuing bank's account 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 d) dishonour the claim as per the issuing bank's instruction 21 An importer requires goods of a stipulated quality while the exporter requires certainty of payment Which of the following would BEST meet all requirements? a) Confirmed standby credit payable on demand calling for beneficiary's quality certificate b) Confirmed documentary credit payable at sight calling for beneficiary's quality certificate c) Confirmed documentary credit available by acceptance with drafts drawn on confirming bank calling for third party quality certificate d) Unconfirmed documentary credit payable at sight with drafts on issuing bank calling for third party quality certificate 22 A German bank has added its confirmation to a documentary credit issued by a Turkish bank Which of the following risks is NOT borne by the confirming bank? a) Fraud by the beneficiary b) Insolvency of the issuing bank c) Refusal of the issuing bank to pay against complying documents d) Government restrictions on funds transfer from the issuing bank 23 Which of the following can be combined under a credit available with and requiring a draft drawn on an issuing bank? a) Payment b) Deferred payment c) Acceptance d) Negotiation e) a and b only f) a and c only g) b and c only h) c and d only 24 In accordance with UCP 600, which of the following terms may NOT be altered on a transferred documentary credit? The: a) amount b) required documents c) period for presentation d) amount of insurance cover 25 A cumulative revolving documentary credit is opened with six months validity and allowing for USD 25,000.00 to be drawn each month If only the first month's shipment is effected in full, what is the available amount in the fourth month? 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 a) USD 0.00 b) USD 25,000.00 c) USD 75,000.00 d) USD 100,000.00 CDCS sample test 26 A documentary credit which allows partial shipments has the following shipment schedule: a) 1,000 units shipped between 01 June XXXX and 30 June XXXX b) 2,000 units shipped between 01 July XXXX and 31 July XXXX c) 2,000 units shipped between 01 August XXXX and 31 August XXXX d) 3,000 units shipped between 01 September XXXX and 30 September XXXX The beneficiary shipped the goods and presented documents as follows: a) 1,000 units shipped on 15 June XXXX documents presented on 30 June XXXX b) 3,000 units shipped on 15 July XXXX and presented on 28 July XXXX c) 2,000 units shipped on 31 July XXXX and presented on 15 August XXXX d) 3,000 units shipped on 15 September XXXX and presented on 30 September XXXX Which of the above sets of documents are complying? A only B only C and only D 1, and only 27 In accordance with UCP 600, which of the following alterations can a first beneficiary request a transferring bank to make under a transferable documentary credit? a) Extend the expiry date b) Decrease the unit price c) Decrease insurance cover d) Extend the period for shipment 28 A transferable credit can which of the following? a) Protect the applicant from the risks of loss and error b) Allow the second beneficiary to obtain payment for complying documents c) Restrict the right of the second beneficiary to claim payment directly from the nominated bank d) Permit the supplier to provide the intermediary trader with the security of a documentary credit 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 29 A documentary credit calls for a draft at 95 days bill of lading date drawn on the confirming bank The documentary credit is available by: a) Refinance b) Acceptance c) Sight payment d) Deferred payment 30 A documentary credit pre-advice is issued on March for USD 510,000.00 with the following terms and conditions: Part shipment allowed Latest shipment date 30 April Expiry date 15 May On March the applicant requests an amendment prohibiting part shipment and extending the expiry date to 30 May In accordance with UCP 600 what MUST the issuing bank do? a) Clarify with the applicant the period for presentation b) Issue the documentary credit as originally instructed c) Issue the documentary credit incorporating all the amendments d) Issue the documentary credit incorporating only the extended expiry date 31 On 03 January XXXX an irrevocable documentary credit for USD 500,000.00 is confirmed On 17 January XXXX the confirming bank receives an amendment cancelling the documentary credit which it advises to the beneficiary As at 18 January XXXX, what is the liability of both banks? a) Issuing and confirming bank – USD 0.00 b) Issuing and confirming bank USD 500,000.00 c) Issuing bank – USD 0.00 Confirming bank – USD 500,000.00 d) Issuing bank – USD 500,000.00 Confirming bank – USD 0.00 32 Which of the following statements is correct when an assignment of proceeds has been effected under a documentary credit issued in accordance with UCP 600? a) The assignee must present complying documents to receive payment b) The assignee will receive payment of the proceeds directly from the applicant c) The value of the documentary credit is reduced by the amount of the assignment d) The beneficiary has assigned its rights to the stated amount of proceeds to the assignee 33 An applicant has given its counter indemnity to its bankers in connection with a delivery order Which of the following statements would NOT be included? The applicant: 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 a) indemnifies the bank against all actions, damages and costs b) undertakes to accept the underlying documents irrespective of discrepancies c) gives the issuing bank authority to debit its account for the full value pending inspection of the goods d) undertakes that should the goods form part of a large consignment it will accept that consignment and pay the full value 34 A documentary credit is issued for an amount of GBP 60,000.00 and calls for drafts to be drawn at 30 days from bill of lading date Documents have been presented with a bill of lading dated 09 November XXXX Which of the following tenors on the draft will NOT be acceptable? a) 09 December XXXX b) 30 days from bill of lading date c) 30 days after 09 November XXXX d) 30 days date, draft dated 09 November XXXX 35 Which of the following documents MUST be signed? a) Packing list b) Certificate of origin c) Commercial invoice d) Weight specification 36 A credit requires an 'invoice' without further definition Which of the following MUST be considered a discrepancy? a) Presentation of a document identified as a tax invoice b) An invoice which is not signed c) An invoice made out in a different currency to the credit d) An invoice issued 37 What is the name of the document that an exporter receives from the shipping company when goods have been placed on board the ship? a) invoice b) bill of lading c) certificate of origin d) bill of exchange 38 A documentary letter of credit is opened at the request of one of your customers Is the customer: a) the exporter b) the beneficiary 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 c) the importer d) the drawer ĐÁP ÁN DẠNG 1: Chọn đáp án Dịch: Ngân hàng cung cấp tài khoản trông giữ khoản phi tiền mặt bạn, tài khoản gọi ……… a) Tài khoản tiết kiệm b) Các két tiền gửi an tồn c) Các phiếu gửi tiền d) Khơng đáp án Trả lời: (a) Các két tiền gửi an toàn Safe deposit boxes are used to store valuable possessions, such as gemstones, precious metals,currency, marketable securities, important documents such as wills, property deeds, and birth certificates Dịch: Giao dịch hàng hóa dịch vụ khơng dùng tiền mặt ……… a) Giao dịch hàng đổi hàng b) Đi vay c) Lương d) Không đáp án Trả lời: (d) Không đáp án Giao dịch hàng hóa dịch vụ khơng dùng tiền mặt khác chất Giao dịch hàng đổi hàng có nghĩa lấy mặt hàng đổi lấy mặt hàng khác có giá trị tương đương (được sử dụng trực tiếp người mua – người bán không thông qua trung gian nào); Dịch vụ không dùng tiền mặt dịch vụ sử dụng công cụ toán phi tiền mặt ngân hàng toán thẻ, séc, chuyển khoản … Dịch: Khi sử dụng phương pháp giá trị ròng để đánh giá dự án, dự án chấp thuận nếu: a) NPV với số vốn đầu tư ban đầu b) NPV < 0, suất sinh lời nội (IRR) tối thiểu lãi suất tiền gửi tiết kiệm c) NPV > d) Các đáp án sai Trả lời: (c) NPV > Dịch: Lợi ích việc đa dạng hóa danh mục đầu tư là: 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 a) Giảm thiểu rủi ro giỏ danh mục tài sản đầu tư b) Tăng tỷ lệ lợi nhuận kỳ vọng tài sản c) Giảm thiểu rủi ro tài sản d) Tăng tỷ lệ lợi nhuận giỏ tài sản đầu tư e) Tất đáp án sai f) Tất đáp án Trả lời: (a) Giảm thiểu rủi ro giỏ danh mục tài sản đầu tư Rủi ro tài sản đầu tư thay đổi (đại diện số Beta (β)) việc đa dạng hóa danh mục đầu tư thành nhiều TS giỏ để giảm thiểu rủi ro giỏ danh mục đầu tư Dịch: Cơng ty B cấp khoản vay 600 triệu VNĐ ngân hàng để toán cho việc mua nguyên vật liệu từ công ty mở tài khoản ngân hàng B - công ty D Khi hạch toán bút toán cho giao dịch trên, tài khoản bảng cân đối kế toán (của ngân hàng) thay đổi nào? a) Nguồn vốn tăng, tài sản giảm b) Nguồn vốn tăng, tài sản giảm c) Cả nguồn vốn tài sản không thay đổi Trả lời: (c) Cả nguồn vốn tài sản không thay đổi B D mở tài khoản khách hàng ngân hàng, tài khoản thuộc Nguồn vốn ngân hàng (khoản mục Cho vay khách hàng) Do bên Nguồn vốn tăng giảm lượng nên Nguồn vốn ngân hàng không thay đổi Dịch: Cơng ty A có khoản vay 50 triệu VNĐ Tại thời điểm đáo hạn, có 30 triệu VNĐ tài khoản ngân hàng công ty A Ngân hàng ghi nợ vào tài khoản 30 triệu VNĐ Phần cịn lại (phần cơng ty A nợ) chuyển vào tài khoản lãi chưa trả Hai bút toán thực là: a) Một bút toán nội bảng, bút toán ngoại bảng b) Các bút toán nội bảng c) Các bút toán ngoại bảng d) Không đáp án Trả lời: (a) Một bút toán nội bảng, bút toán ngoại bảng Phần cơng ty A tốn (30 triệu VNĐ) hạch tốn nội bảng phần lãi thu Phần cơng ty A chưa trả (20 triệu VNĐ) hạch toán ngoại bảng để theo dõi riêng Dịch: Vốn chủ sở hữu a) vốn chủ doanh nghiệp không bao gồm khoản bảo đảm toán b) vốn chủ doanh nghiệp góp vốn từ cổ đông từ kết hoạt động kinh doanh Do vốn chủ sở hữu khơng phải khoản nợ www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang 10 ... not the principal 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 c) A specific period in loan term that the Customer... c) The private sector 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 d) The treasury 15 Which of the following is... À I L I Ệ U T H I T U Y Ể N Trang Facebook: @Dethivaonganhang www.facebook.com/dethivaonganhang d) dishonour the claim as per the issuing bank''s instruction 21 An importer requires goods of a