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中国大学MOOC《金融英语》（6期）作业答案

《金融英语》（6期）

学校: 九八五题库

学校: 超星学习通

题目如下：

1. 1. 【单选题】Sources of income in our lives are typically below Except______.

A. salary

B. wage

C. tax

D. bonus

答案: tax

2. 2. 【单选题】Finance is the study of________.

A. the actual process of acquiring needed funds.

B. how money is managed.

C. The areas which make up financial systems.

D. All of the above

答案: All of the above

3. 3. 【单选题】The first step of making wealth is________.

A. wealth management

B. wealth creation

C. wealth accumulation

D. wealth calculation

答案: wealth accumulation

4. 4. 【判断题】Fund and capital, both of them mean a large amounts of money.

答案: 正确

5. 5. 【判断题】Salary is fixed compensation paid regularly for services.

答案: 正确

6. 1. 【单选题】credit money are typically below Except______.

A. cash

B. bank card

C. gold coin

D. check

答案: gold coin

7. 2. 【单选题】Which of the following is not a function of money?

A. To act as a medium of exchange.

B. To act as a unit of account.

C. To act as a means of payment.

D. To provide a double coincidence of wants.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

8. 3. 【单选题】What function is money serving when you buy a ticket to a movie?

A. store of value

B. a unit of account

C. transaction demand

D. a medium of exchange

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

9. 4. 【判断题】Mental money, mostly silver and gold mainly was used in a barter economy.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

10. 5. 【判断题】Money is a measurement for value of goods and services.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

11. 6. 【判断题】Credit money is a kind of full-bodied money.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

12. 1. 【单选题】Which of the followings does not mean money?（ ）

A. Bacon

B. Bread

C. Bones

D. Beef

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

13. 2. 【单选题】20-dollar bill can be expressed as （）.

A. Benjamin

B. Jackson

C. Trump

D. Clinton

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

14. 3. 【单选题】（ ）is the most commonly used.

A. Penny

B. Nickel

C. Dime

D. Quarter

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

15. 4. 【判断题】$4.75 should be said as “ four point seventy five dollars”

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

16. 5. 【判断题】One dollars = 1000 Cents.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

17. 1. 【单选题】Commercial credit is the credit happened between_____.

A. individuals

B. individuals and enterprises

C. enterprises

D. governments, individuals and enterprises

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

18. 2. 【单选题】_____has become the major form of modern credit in the world.

A. Commercial credit

B. Bank credit

C. Fiscal credit

D. Consumer's credit

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

19. 3. 【单选题】Credit in finance refers to a a relationship between______.

A. banks and individuals

B. debtors and creditors

C. suppliers and demanders

D. All of the above

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

20. 4. 【判断题】Consumer's credit is provided by banks and other financial institutions for individual, enterprise and government.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

21. 5. 【判断题】Fiscal credit is the credit in which governments play the role as lenders or borrowers.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

22. 1. 【单选题】If the nominal interest rate offered on a three-year deposit is 4% and the inflation rate over this period is 3%, the investor's real rate of return is _____.

A. 1%

B. 3%

C. 4%

D. 7%

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

23. 2. 【单选题】A negative interest rate means that the _____ will charge negative interest.

A. policy bank

B. commercial bank

C. central bank

D. government

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

24. 3. 【判断题】Interest means how much return the lenders will get.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

25. 4. 【判断题】Unlike the nominal rate, the real interest rate takes the rate of return into account.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

26. 1. 【单选题】（） is only based on the principal amount of a loan or deposit.

A. Compound interest

B. Simple interest

C. Real interest

D. Nominal interest

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

27. 2. 【单选题】“Interest is paid on the principal of a loan or deposit”, what does the word“principal” mean in this sentence?（）

A. 校长

B. 主角

C. 本金

D. 主要的

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

28. 3. 【判断题】Without reinvesting earnings, compound interest can also be generated.（）

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

29. 4. 【判断题】The longer the time, the more compound interest.（）

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

30. 1. 【单选题】As of February 23, 2019, the exchange rate between Euro and U.S. dollars is 1.13, it means______.

A. People take $1.13 to buy about €1

B. People take $1 to buy about €1.13

C. People take $1 to buy about €0.885

D. Both A and C

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

31. 2. 【单选题】A currency depreciation on the foreign exchange market will ______.

A. encourage imports to the country whose currency has depreciated

B. discourage imports to the country whose currency has depreciated

C. discourage exports to the country whose currency has depreciated

D. encourage foreign travel by the citizens of the country whose currency has depreciated

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

32. 3. 【单选题】Cash buying rate which quoted by banks is usually ______ than buying rate.

A. higher

B. lower

C. equal

D. none of them

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

33. 4. 【判断题】Fixed exchange rate will be fixed against the value of another single currency or to a basket of other currencies.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

34. 5. 【判断题】The bank is using the selling rate of USD that means the bank plays the role as a seller of U.S.dollars at this moment.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

35. 1. 【单选题】IPO is the abbreviation of _______.

A. international public organization

B. initial public offering

C. initial private offering

D. inflation purchase obligation

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

36. 2. 【单选题】Apple Inc., which went public in 1980, is issuing shares now. This issuing is called____.

A. IPO

B. secondary offering

C. seasoned offering

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

37. 3. 【判断题】Securities are traded in Primary Market.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

38. 4. 【判断题】The main function of secondary market is providing liquidity.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

39. 1. 【单选题】Money market usually includes______.

A. Fund market

B. Bond market

C. Stock market

D. Commercial paper market

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

40. 2. 【单选题】The reason is _____,when a company consider to access capital market to raise fund.

A. to purchase a other company

B. to expand a line of business

C. to enter into a new business

D. all of the above

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

41. 3. 【单选题】Capital market is always following the features ______.

A. long-term, low default risk

B. long-term, low liquidity

C. Low rate of return, low liquidity

D. high rate of return, low default risk

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

42. 4. 【判断题】Stock market is a short-term financial market for financing money.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

43. 5. 【判断题】The money market plays a key role in assuring companies and governments maintain the appropriate level of liquidity.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

44. 1. 【单选题】Bank tellers is a key banking position and hold the ______ job in a bank.

A. second line

B. first office

C. front line

D. back line

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

45. 2. 【单选题】______arranges transactions between a buyer and a seller for a commission when the deal is executed.

A. Trader

B. Broker

C. Dealer

D. Agent

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

46. 3. 【单选题】Which of the following statement is incorrect?_______

A. Financial analysts examine financial data.

B. Financial analysts help clients to make investment decisions.

C. Financial analysts provide assistance for institutions and individuals.

D. There are many different financial analysts roles.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

47. 4. 【判断题】An agent is an individual who engages in the buying and selling of financial assets such as stocks.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

48. 5. 【判断题】A dealer in the securities market is an individual or firm that buying and selling securities for their own account.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

49. 1. 【单选题】Which is not the characteristic of financial product?

A. invisible

B. value is based on information and credit

C. with practical value

D. big social impact

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

50. 2. 【单选题】Bob, a fund manager, is seeking to sell a large position in fairly illiquid stock. He buys and sells shares of the stock between that fund and another he also manages to create an appearance of activity and higher stock price, so that the sale of the whole position. Bob most likely violates ______.

A. professional

B. manipulate the market

C. loyalty to employer

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

51. 3. 【单选题】James, a well-known analyst, made a “buy” recommendation for Microsoft. He sent the research report to some of his client at first, and then disclosed to other client. James most likely violates ______.

A. professional

B. loyalty to employer

C. loyalty to client

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

52. 4. 【判断题】Ethics is same as law.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

53. 1. 【单选题】Which is not one of the characters of bond？

A. Face Value

B. Price

C. Coupon

D. Issuer

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

54. 1. 【单选题】Holders of common stock in a company ______.

A. have rights to a company's assets after bondholders

B. exercise control by electing a board of directors

C. have right to vote on corporate policy

D. All of the above

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

55. 2. 【单选题】Which of the following statement is correct?______

A. Preferred shareholders can not receive their dividends if the company goes bankrupt.

B. Preferred shareholders always receive their dividends first.

C. preferred shareholders are paid off after common stockholders.

D. preferred shareholders have right to vote on corporate policy.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

56. 3. 【单选题】______are common shares traded on the Chinese Shanghai Stock and Shenzhen Stock Exchange which are traded in foreign currencies.

A. A shares

B. B shares

C. H shares

D. N shares

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

57. 4. 【判断题】A stock is a type of security that signifies ownership in a corporation.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

58. 5. 【判断题】Preferred share can not represent partial ownership in a company.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

59. 1. 【单选题】Which is not one of the benefits of mutual fund?（ ）

A. Diversification

B. High return

C. Professional

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

60. 2. 【单选题】NAV is the abbreviation of（ ）

A. New Application Value

B. Nominal Asset Value

C. Net Asset Value

D. Nominal Appreciation Value

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

61. 3. 【单选题】Which does not include in the prospectus of fund?（ ）

A. Fees

B. Risks

C. Expected return

D. Performance history

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

62. 4. 【判断题】Sales load are charged only at the time of purchase.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

63. 5. 【判断题】Balance funds only hold bank balances.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

64. 1. 【单选题】（ ） is the central bank of China.

A. Bank of China

B. The People’s Republic of China

C. Chinese Central Bank

D. The People’s Bank of China

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

65. 2. 【单选题】The chairman of the board of federal reserve is nominated by（ ）

A. President

B. Congress

C. Court

D. People

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

66. 3. 【单选题】There are（ ）Federal Reserve Bank through out USA .

A. 4

B. 8

C. 12

D. 50

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

67. 4. 【判断题】The Federal Reserve System is a private profit organization.（ ）

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

68. 5. 【判断题】The headquarter of China’s Central bank is located in Beijing.（ ）

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

69. 1. 【单选题】China Merchants Bank is a kind of ______.

A. state-owned commercial bank

B. joint-equity commercial bank

C. local commercial bank

D. central commercial bank

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

70. 2. 【单选题】Which of the following is not belong to the asset business of commercial bank?

A. Personal housing loan

B. Auto loan

C. Savings deposit

D. None of them

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

71. 3. 【单选题】Which of the following statement is incorrect?______

A. Commercial banks can receive commission through intermediary business.

B. Intermediary business can supply various financial services to client.

C. Intermediary business does not include debit card business.

D. Intermediary business includes savings deposit services.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

72. 4. 【判断题】The main way commercial banks make money is to take the deposit money at higher interest and lend it out at much lower interest rates.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

73. 5. 【判断题】A commercial bank usually accepts deposits from individuals and companies.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

74. 1. 【单选题】We can also call PIN as _____.

A. password

B. passport

C. passbook

D. passmark

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

75. 2. 【判断题】The interest rate of current account is usually higher than saving account.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

76. 3. 【判断题】We can withdraw money from current account.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

77. 1. 【单选题】The deposit without maturity date is _____.

A. demand deposit

B. time deposit

C. saving deposit

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

78. 2. 【单选题】ATM is the abbreviation of _______.

A. Automatic Transaction Machine

B. Automatic Translation Machine

C. Automatic Teller Machine

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

79. 3. 【判断题】In the video, when you withdraw money from ATM, you should remove your debit card before taking the money.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

80. 1. 【单选题】What factors we should consider when we plan to choose a particular bank to apply for a loan?______

A. Interest rate

B. Bank reputation

C. Loan term

D. Only A and B

E. All of the above

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

81. 2. 【单选题】When you want to apply for a consumer loan from a bank, the first step is______.

A. To decide use fixed interest rate or adjustable interest rate loans

B. To fill out the loan application form

C. To decide the loan term

D. To pay the commission

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

82. 3. 【判断题】Loan term means the length of time that you have to repay money to commercial banks.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

83. 4. 【判断题】Finishing the loan approval procedure means the applicant can get the bank authorities' agreement to provide the loan.

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

84. 1. 【单选题】According to the conversation, When Emma’s fixed deposit is due, she decides to _____、

A. renew it

B. redeem it

C. Choose a new way called account renewing upon maturity

D. All of the above

答案：请关注【九八五题库】微信公众号，发送题目获取正确答案。

85. 2. 【单选题】Which of the following statement is incorrect______、

A. Open-Ended funds are managed by specialists、

B. Open-Ended funds give individual the chance to diversify their portfolio over many different areas、

C. Open-Ended funds managers can help you to decide which areas to invest in、

D. Open-Ended funds have higher risk than shares、

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86. 3. 【判断题】Stock is a kind of investment tools、

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87. 4. 【判断题】Portfolio is a effective approach to reduce investment risk、

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88. 1. 【单选题】Collecting bank is employed by ______．

A. the principal

B. the remitting bank

C. the drawer

D. the drawee

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89. 2. 【单选题】What is a letter of credit? ______．

A. A form of debt enforcement

B. A method of guaranteeing that exporters get paid

C. An international trade payment method

D. None of the above

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90. 3. 【单选题】What is a collection? ______．

A. A form of debt enforcement

B. A method of guaranteeing that exporters get paid

C. An international trade payment method

D. None of the above

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91. 4. 【单选题】According to the conversation between Mary and Steven, financial documents are typically below Except______.

A. bills of exchange

B. checks

C. promissory notes

D. bankbook

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92. 1. 【单选题】An investment bank is a financial services institution which provide services for_____.

A. Individuals and enterprises

B. Enterprises and governments

C. Individuals and governments

D. Individuals, enterprises and governments

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93. 2. 【单选题】Which of the following statement is incorrect______.

A. An investment bank can assist clients with M&A

B. An investment bank can assist clients with debt underwriting

C. An investment bank is not a consumer banking

D. An investment bank aids companies in going public

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94. 3. 【判断题】Unlike commercial banks and retail banks, investment banks do not take deposits.

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95. 1. 【单选题】Which is not one of financial derivatives? _____.

A. Forward

B. Future

C. Option

D. Share

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96. 2. 【单选题】Option means ______ in Chinese.

A. 期货

B. 期权

C. 远期

D. 互换

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97. 3. 【判断题】Derivatives can be used to hedge risk.

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98. 4. 【判断题】The value of financial derivatives is based on underlying asset.

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99. 1. 【单选题】_____ is a ______ contract between two parties.

A. Forward, standardized

B. Forward , customized

C. Derivative, standardized

D. Future , customized

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100. 2. 【判断题】The disadvantage of forward is illiquid.

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101. 3. 【判断题】A future contract can be continuously traded during its life.

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102. 4. 【判断题】When the price of underlying asset goes up a lot, the future contract is more likely to be default、

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103. 1. 【单选题】_____ provides the insured party with protection against claims resulting from injuries and damage to people and/or property.

A. Life insurance

B. Property insurance

C. Liability insurance

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104. 2. 【单选题】Money paid for insurance is called ______.

A. premium

B. price

C. insurance fee

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105. 3. 【单选题】A person whose interests are protected by an insurance policy is called_____.

A. insuree

B. insurer

C. insured

D. policyholder

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106. 4. 【判断题】Insurance is designed to protect you from loss, grow your assets or help you save money for the future.

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107. 1. 【单选题】When a family wants to buy a house, they should save for _____.

A. principal

B. installment

C. down payment

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108. 2. 【单选题】The 2008 financial crisis is also called_______.

A. mortgage crisis

B. prime mortgage crisis

C. sub-prime crisis

D. collateral crisis

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109. 3. 【单选题】A company has $100,000 capital and $10 million debts, what is the leverage ratio of this company?

A. 1

B. 10

C. 100

D. 1000

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110. 4. 【单选题】The Wall Streeters used a magic called _______ to turn mortgages into _______.

A. securitization, CDS

B. securitization, CDO

C. derivatives, CDS

D. derivatives, CDO

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111. 5. 【判断题】CDS is a kind of financial derivatives.

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112. 1. 【单选题】P2P lending means _____.

A. People to People

B. Person to Person

C. Peer to Peer

D. Pool to Pool

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113. 2. 【单选题】Which one is not the factor of crowdfunding?_____.

A. project sponsors

B. crowdfunding platform

C. Innovation

D. investors

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114. 3. 【判断题】Internet finance as a new financial business model provides financing, payment, investment.

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115. 4. 【判断题】Big data finance is not the mode of Internet finance.

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