当前位置：首页. \\阅读. \\Part 6. \\Exercise. \\1. Multiple Choice 1. Multiple Choice
Directions：There are 10 incomplete sentences. Each has four choices marked a, b, c and d. Choose the ONE that best completes the sentence.
(1) Which is not the category of the risk-based five-category loan classification system? A. Pass
B. Special mention C. Substandard D. Bad debts
(2) In _____, exporter's bank provides loans to the importer or to an importer's bank. A. buyer credit B. supplier credit C. forfaiting
D. BOT approach
(3) _______ is an indicator of leverage ratios. A. Net income/net account receivable B. Net sales/net account receivable C. Quick assets/current liabilities D. Total liabilities/capital funds
(4) In real estate loan, maximum amount of which is _______ of the property. A. 50% B. 60% C. 70% D. 80%
(5) A typical forfaiting transaction involves five parties. They are __________. A. exporter, importer, forfaiter, investor, and importer's bank B. exporter, importer, forfaiter, investor, and exporter's bank C. exporter, importer, forfaiter, investor, and any bank
D. exporter, importer, forfaiter, investor, and forfaiter's bank
(6) __________ is a kind of short-term loan to meet temporary need and is supposed to pay
back at one time. A. Credit card
B. Consumer credit C. Amortization loans D. Non-installment loan
(7) In amortization loans, the borrower can pay back __________. A. at one time
B. interest at one time C. principal at one time D. at several times
(8) _______ is also called bridge loan. A. Credit card
B. Amortization loan C. Non-installment loan D. Short-term loan
(9) BOT is an abbreviated form of _____________. A. build-or-technology B. build-operate-transfer C. build-operate-technology D. benefit-operate-transfer
(10) The first principle of budgetary control is to __________. A. record the actual performance
B. compare the actual performance with that planned
C. establish a plan or target of performance which coordinates all the activities of the business
D. act immediately, if necessary, to remedy the situation
(11) Commercial banks require diversified assets for adequate ______. A. liquidity B. profit C. security D. others
(12) Department of Credit must consider budgetary target, net revenue and ___________.
A. risk B. liquidity C. cost D. others
(13) When average loans is 100, net credit losses is 4.2 then, the credit loss ratio is ________. A. 4.2% B. 95.8% C. 0 D. 2.1%
(14) In credit mix, tenor refers to ___________. A. term of loan
B. term structure of loan C. term structure of asset D. term of asset
(15) If net sales is 1,000, cost of goods sold is 600, the gross profit is __________. A. 1,600 B. 400 C. 1,000 D. 600
(16) If working capital is 500, net sales is 600, how much is working capital turnover? A. 5/6 B. 1.2 C. 1,100 D. 100
(17) The 'five P' doesn't refer to ___________. A. people B. purpose C. payment D. project
(18) When current assets is 400, current liabilities is 300, how much of working capital? A. 700 B. 1,200
C. 0.75 D. 100
(19) __________ refers to a 'second way out' in case the primary repayment source fails. A. The people factor B. The payment factor C. The protection factor D. The perspective factor
(20) The most conservative leverage ratio shows the most debt and _________ net worth. A. most B. least C. best D. fewest
(21) If obligor's risk weight is 30%, its risk class is __________. A. A B. B C. 3A D. 2A
(22) Securities subject to mortgage are excluding _________. A. title deeds B. life policies
C. contract of property insurance D. stocks
(23) In a case of an ordinary lien, ________ is the owner of the property. A. bank B. borrower C. lender D. the other
(24) The risk weight for substandard assets is ___________. A. 10% B. 20% C. 50% D. 100%
当前位置：首页. \\阅读. \\Part 6. \\Exercise. \\2. True or False
2. True or False
Directions: Read the following sentences and decide whether they are true or false.
(1) Forfeiting provides a source of non-recourse finance through use of drafts, promissory
notes or other instruments representing sums due to the exporter.
A. true B. false
(2) Forfaiting banks require the institution to have aval by an internationally recognized bank
for the purpose of reducing the risk.
A. true B. false
(3) Seller credit is that exporter's bank lends the money to a domestic exporter who then gives
the importer the convenience of deferred payment.
A. true B. false
(4) Buyer credit is that exporter's bank directly lends the money to an importer or the
importer's bank and the importer will pay for the goods with the loan.
A. true B. false
(5) In supplier credit, exporter's bank provides loans to the importer directly.
A. true B. false
(6) The borrower's ability to borrow automatically reduces its need to hold liquid assets. A. true B. false
(7) The most common currency in Forfeiting is US dollar.
A. true B. false
(8) Common equity is an important part of Tier 1 capital.
A. true B. false
(9) When risk weight is zero, the risk-adjusted asset is zero.