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中国大学MOOC金融英语作业答案

金融英语

学校: 无

平台: 超星学习通

题目如下：

1. Sources of income in our lives are typically below Except______、

A. salary

B. wage

C. tax

D. bonus

答案: tax

2. 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. The first step of making wealth is

A. wealth management

B. wealth creation

C. wealth accumulation

D. wealth calculation

答案: wealth accumulation

4. Fund and capital, both of them mean a large amounts of money、

答案: 正确

5. Salary is fixed compensation paid regularly for services、

答案: 正确

6. credit money are typically below Except______、

A. cash

B. bank card

C. gold coin

D. check

答案: gold coin

7. 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

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8. 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

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9. Mental money, mostly silver and gold mainly was used in a barter economy、

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10. Money is a measurement for value of goods and services、

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11. Credit money is a kind of full-bodied money、

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12. Commercial credit is the credit happened between_____

A. individuals

B. individuals and enterprises

C. enterprises

D. governments, individuals and enterprises

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13. _____has become the major form of modern credit in the world、

A. Commercial credit

B. Bank credit

C. Fiscal credit

D. Consumer’s credit

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14. 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

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15. consumer’s credit is provided by banks and other financial institutions for individual, enterprise and government、

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16. Fiscal credit is the credit in which governments play the role as lenders or borrowers、

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17. （） is only based on the principal amount of a loan or deposit.

A. Compound interest

B. Simple interest

C. Real interest

D. Nominal interest

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18. “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

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19. Without reinvesting earnings, compound interest can also be generated.（）

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20. The longer the time, the more compound interest.（）

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21. 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

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22. 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

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23. Cash buying rate which quoted by banks is usually ______ than buying rate、

A. higher

B. lower

C. equal

D. none of them

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24. Fixed exchange rate will be fixed against the value of another single currency or to a basket of other currencies、

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25. 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、

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26. Holders of common stock in a company ______、

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

B. exercise control by electing a board of directors

C. have right to vote on corporate policy

D. All of the above

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27. 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、

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28. ______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

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29. A stock is a type of security that signifies ownership in a corporation、

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30. Preferred share can not represent partial ownership in a company、

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31. We can also call PIN as _____.

A. password

B. passport

C. passbook

D. passmark

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32. The interest rate of current account is usually higher than saving account.

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33. We can withdraw money from current account.

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34. 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

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35. 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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36. Stock is a kind of investment tools、

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37. Portfolio is a effective approach to reduce investment risk、

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38. Which is not one of financial derivatives? _____.

A. Forward

B. Future

C. Option

D. Share

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39. Option means ______ in Chinese.

A. 期货

B. 期权

C. 远期

D. 互换

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40. Derivatives can be used to hedge risk.

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41. The value of financial derivatives is based on underlying asset.

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42. _____ 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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43. Money paid for insurance is called ______.

A. premium

B. price

C. insurance fee

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44. A person whose interests are protected by an insurance policy is called_____.

A. insuree

B. insurer

C. insured

D. policyholder

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45. Insurance is designed to protect you from loss, grow your assets or help you save money for the future.

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46. When a family wants to buy a house, they should save for _____.

A. principal

B. installment

C. down payment

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47. 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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48. 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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49. 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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50. CDS is a kind of financial derivatives.

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