100 Câu trắc nghiệm tiếng Anh chuyên ngành ngân hàng có đáp án !!
Câu 1 :
The great advantage of using …………. for payments is that you don’t have to carry large amounts of cash around with you:
A. Checks
B. Bills of exchange
Câu 2 :
To put money into the bank:
A. To deposit
B. To withdraw
Câu 3 :
To subtract money from an account:
A. Credit
B. Debit
Câu 4 :
To make two accounts match with each other:
A. Honour
B. Present
Câu 5 :
Interest…………..are their lowest level since the 1980’s:
A. Figures
B. Rates
Câu 6 :
The remaining amount of money in an account:
A. Credit
B. Debit
Câu 7 :
The money that you borrow from a banking institution is called a……..:
A. Loan
B. Deposit
Câu 8 :
Money in the form of bank notes and coins:
A. Cash
B. Cashier
Câu 9 :
A customer can deposit and withdraw the money in a ----------------- at any time without waiting for a period of time:
A. demand deposit account
B. time deposit account
Câu 10 :
……………………involves recording every purchase and sale that a business makes, in the order that they take place, in journals:
A. Bookkeeping
B. Accounting
Câu 11 :
The ……………….represents the total value of the goods and services produced by a country over some unit of time (a month, a season, a year etc.):
A. Gross Domestic Product
B. Gross Profit Margin
Câu 12 :
An economy that lacks a commonly accepted currency, so all exchanges must be made with goods and services because money does not exist in these economies:
A. Monetary economy
B. Barter economy
Câu 13 :
The ……………………… measures how much the price of a basket of consumer goods has changed over a given time period:
A. Consumer Behavior Index
B. Consumer Confidentiality Index
Câu 14 :
…………………. acts as a unit of account, a store of value, and a medium of exchange in transactions:
A. Currency
B. Cash
Câu 15 :
………are people who put money into a business in the hope of making a profit:
A. Borrowers
B. Spenders
Câu 16 :
A record of a depositor’s deposits and withdrawals:
A. Accounting
B. Accountant
Câu 17 :
Payment by the bank for the use of a depositor’s money:
A. Principal
B. Interest
C. Loan
Câu 18 :
In order to withdraw money the bank requires your………….. :
A. Statement
B. Savings account
Câu 19 :
When you give money to a bank, who are you?
A. A borrower
B. A depositor
Câu 20 :
Things a company owns and uses in its business:
A. Liabilities
B. Owners’ equity
Câu 21 :
The amount of money that the lender lends to the borrower:
A. principle
B. principal
Câu 22 :
When my friend needs a loan he offers the bank his house as……..:
A. debt
B. deposit
Câu 23 :
A small book that records a depositor’s deposits, withdrawals and interest payments by the bank:
A. Journal
B. Passbook
Câu 24 :
I’m paying for my new car in 36 monthly …………..:
A. instalments
B. pieces
Câu 25 :
In Japan, the US dollar is ……………………………….:
A. oreign money
B. strange money
Câu 26 :
A depositor is ………….when he writes a check for more money than he has in his account:
A. overdrawn
B. debited
Câu 27 : What is the primary source of income for commercial banks?
A. Fees
B. Deposits
Câu 28 :
How easily a company can turn some of its assets into cash:
A. Efficiency
B. Solvency
Câu 29 :
You are never too young to start----------some money in a savings account:
A. Investing
B. Infusing
Câu 30 :
The bank’s ………….lists assets and liabilities:
A. profit and loss statement
B. cash flow
Câu 31 :
Money received; in accounting, an entry made on the right side of an account:
A. debit
B. credit
Câu 32 :
The financial institution is as an intermediary since………..:
A. it gets deposits from customers and then it provides loans to customers
B. it operates between the buyers and the sellers
Câu 33 :
It may seem a long way into the future but in the end you will get some----------- from your investment:
A. Produce
B. Price
Câu 34 :
Each business hopes to make a………….to satisfy the shareholders:
A. Share
B. Profit
Câu 35 :
My husband would like to remodel the kitchen so I would like to……… $20,000 for a second mortgage on our house:
A. Lend
B. Deposi
Câu 36 :
What is an overdraft?
A. A type of bank account
B. An agreed amount you can borrow when your account balance runs out
Câu 37 :
The accounting value of a company ( assets minus liabilities):
A. Net profit
B. Net worth
Câu 38 :
We are thinking of buying a house and we would like to talk to a………:
A. Borrowing guy
B. Checking supervisor
Câu 39 :
What role does the board of directors of a bank play?
A. Make loans
B. Make deposits
Câu 40 :
Regular bank statements will be sent to you by post, listing recent………..:
A. payments
B. events
Câu 41 :
After they have been paid in, checks usually take three working days to…..:
A. pass
B. credit
Câu 42 :
Houses, bungalows, apartments, offices, shops and other any type of building you can own are called…………..:
A. housing
B. property
Câu 43 :
When the government doesn’t control the exchange rate in any way, the currency is ……………….. :
A. freely convertible
B. totally convertible
Câu 44 :
Delayed, put off or postponed until a later time:
A. Accrued
B. Amortized
Câu 45 :
The ……………….shows how big a company’s profit is ( after interest and tax) compared with the shareholders’ equity:
A. Return on equity (ROE)
B. Return on assets (ROA)
Câu 46 :
Money owed by a company:
A. Accounts receivable
B. Accounts payable
Câu 47 :
Allowing a customer time before he has to pay for goods or services:
A. Debit
B. Coverage
Câu 48 :
Money borrowed by a company to finance its activities:
A. Debt
B. Debit
Câu 49 :
Debts which a company has to pay within the next accounting period:
A. Contractual liabilities b/ c/
B. Current liabilities
Câu 50 :
Closing of a company and selling of its assets:
A. Liquidity
B. Liquid
Câu 51 :
Capital for investment which may easily be lost in risky projects, but can also provide high returns:
A. Venture capital
B. Visible capital
Câu 52 :
Loan made with no collateral as security:
A. Secured loan
B. Unsecured loan
Câu 53 :
Loan where the borrower is not likely to pay:
A. Secured loan
B. Unsecured loan
Câu 54 :
Loan where the borrower is not likely to pay:
A. Non-secured loan
B. Non-performing loan
Câu 55 :
To deposit share certificates with a lender / bank as security for money borrowed:
A. To pledge share certificates
B. To sell share certificates
Câu 56 :
To pay interest on a debt and also repay the principal at due date:
A. To service a debt
B. To schedule a debt
Câu 57 :
A check for salary given by an employer to someone who works for him /her:
A. Bounced check
B. Paycheck
Câu 58 :
All the ……………..you make on your account are recorded so that you can check the details at any time:
A. Movements
B. Activities
Câu 59 :
The bank will simply not let you………….any money unless you can prove that you have been in regular employment for at least 3 years:
A. lend
B. provide
Câu 60 :
To find or supply money for someone or something:
A. to guarantee
B. to finance
Câu 61 :
The central bank is ………….to the commercial banks which are meeting the liquidity problem:
A. the commercial lender
B. the lender of last resort
Câu 62 :
Banks make their profits from the difference between the interest rate charged to borrowers and that paid to depositors, also known as …..:
A. mistake
B. margin
Câu 63 :
An organized market for the issue of new securities and the exchange of secondhand ones:
A. stock exchange
B. foreign exchange
Câu 64 :
The amount of money made from an investment is its………….:
A. rate of return
B. rate of interest
Câu 65 :
All the money received by a person or a company is known as …………….:
A. aid
B. income
Câu 66 :
Money paid by the government or a company to a retired person is a …………….:
A. pension
B. rebate
Câu 67 :
The money needed to start a company is called……………………………….:
A. aid
B. capital
Câu 68 :
Money given to developing countries by richer ones is known as ……………:
A. debt
B. aid
Câu 69 :
A type of deposit account which pays a favorable rate of interest:
A. Savings account
B. Checking acount
Câu 70 :
Which of the following best describes the bank system?
A. Regulated and unsafe
B. Regulated and safe
Câu 71 :
If ever you find you have an unexpected expense, you can always………..some money from your current account:
A. extract
B. withdraw
Câu 72 :
Income a bank derives from loans and investment securities:
A. non-interest income
B. interest income
Câu 73 :
Banking services offered to large companies:
A. consumer banking
B. retail banking
Câu 74 :
Two or more customers may apply for a ……………………..:
A. two-person account
B. joint account
Câu 75 :
Debt which will not be paid and which has to be written off in the accounts book:
A. Bad debt
B. Critical debt
Câu 76 :
Not yet paid or completed:
A. Outstanding
B. Outright
Câu 77 :
Loan which is guaranteed by the borrower giving assets as security:
A. Secured loan
B. Securities loan
Câu 78 :
Members of a board of directors who are not full-time managers of the company:
A. Directors
B. Non-executive directors
Câu 79 :
Balance sheets of subsidiary companies grouped together into the balance sheet of the parent company:
A. Comprehensive balance sheet
B. Consolidated balance sheet
Câu 80 :
Assets used by a company in its ordinary works ( such as cash, materials, finished products, monies owed by customers ):
A. Fixed assets
B. Current assets
Câu 81 :
Failure to carry out the terms of a contract, especially failure to pay back a debt:
A. Default
B. Deficiency
Câu 82 :
The government bank which regulates all commercial banks in a country is called …………….:
A. Investment bank
B. Merchant bank
Câu 83 :
Being able to pay all debts on due date:
A. Insolvency
B. Solvency
Câu 84 :
Legal agreement where someone lends money to another person so that he can buy a property, the property being the security:
A. Mortgage
B. Security
Câu 85 :
You can obtain cash at any time of the day or night from……..:
A. an ATM
B. a bank teller
Câu 86 :
A numerical assessment of the risk of a potential borrower:
A. Credit rating
B. Credit risk
Câu 87 :
Computerized banking is………:
A. Consumer banking
B. Corporate banking
Câu 88 :
Name or value of coin or banknote e.g VND 1000, VND 10000, VND 50000:
A. Denomination
B. Denominator
Câu 89 :
An employee who serves customers in a bank for their deposits, withdrawals and other services:
A. Manager
B. Teller
Câu 90 :
The value of one currency in terms of another:
A. Interest rate
B. Exchange rate
Câu 91 :
A statement sent regularly to customers – showing debits, credits and the balance of the account:
A. Income statement
B. Cash flow statement
Câu 92 :
Movement of money from one bank account to another one:
A. Transfer b/ c/
B. Trade
Câu 93 :
A debt instrument that bears interest and promises repayment:
A. Share
B. Bond
Câu 94 :
The net worth or equity of the shareholders’ investment in a company:
A. Cash
B. Credit
Câu 95 :
Units of equity of companies which may be bought and sold on the stock exchange and may rise and fall in value:
A. Shares
B. Standing order
Câu 96 :
………………consist of everything a company owes:
A. Liabilities
B. Owners’ equity
Câu 97 :
ncome a bank derives from sources such as fees and service charges, trading income, and investment securities gains:
A. Interest income
B. Non-interest income
Câu 98 :
The exporter sends the goods and documents to the foreign buyer. The buyer pays the invoice when the goods arrive, or within a certain period from the invoice date. This can be risky,as the exporter trusts the buyer to honour the original sales contract:
A. advance payment
B. documentary collection
C. documentary credit
Câu 99 :
A foreign bank issues an undertaking to the exporter ( through a bank in the exporter’s country) to pay for the goods as long as the exporter complies with the terms and conditions of the contract. This is a much safer form of payment for the exporter. To be even safer, the exporter can arrange for the bank in his/her country to act as “ confirming bank”, which means that the bank in the exporter’s country is responsible for the transaction:
A. advance payment
B. documentary collection
C. documentary credit
Câu 100 :
The exporter does not dispatch the goods until payment has been received from the importer. There is no risk for the exporter – all the risk is taken by the importer:
A. advance payment
B. documentary collection
C. documentary credit
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