201203考试批次《金融英语》(大作业)
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《金融英语》 第 1 页 共 5 页 201203考试批次 《金融英语》大作业
学生姓名 学习中心 学号 考 号 专 业 年级层次 《金融英语》 第 2 页 共 5 页
北京语言大学网络教育学院 《金融英语》期末试卷 注意： 本学期所布置的大作业，请同学一律按照以下要求执行： 一、 凡是大作业的课程必须在规定时间到指定网址提交电子版作业： 1、提交网址：http://202.152.187.8:8081/schoolwork/login.aspx 2、提交起止时间：2012年2月11日-3月18日23:00； 二、电子版大作业提交须知： 1、输入的用户名为学院学生平台用户名； 2、课程考试号可以登陆学生平台，在页面右上角的“个人中心”中查询,为7位的数字； 3、提交的文档格式必须为word文档，截止日期前可多次提交，平台只保留最后一次提交的文档； 4、严格按照课程名称提交相应课程大作业，提交错误的大作业，按0分处理； 三、必须严格按照每门课程的答题要求完成作业，不得拖延，逾期不交者，按0分处理； 四、 没有按照学院要求来做的大作业，将酌情扣分。
I. Multiple choices: (Directions:choose an answer that best completes each of the following sentences. 4 points ×5) 1. Let’s ( B ) of ＄ 150,000. A. bid B. put in a bid C. put a bid D. put bid 2. With a ( C ) deposit, you would be able to withdraw money whenever you need. A. demand B. time C. fixed D. irregular 3. Some automated clearing houses will be established in the cities of the future to handle electronic ( A ). A. transfers B. transform C. change D. move
4. In general, stock can be divided into ( B) and ( )? A. Blue-chip stocks and fund B. Blue-chip stocks and common stock C. Blue-chip stocks and securities D. Securities and fund 5. Real property is generally acquired by which ways? ( A) A. Purchase or descent B. Descent or recapture C. Devise or recapture D. Recapture or gift II. True or False (Judge the following sentences. Mark the correct ones with “T” and wrong ones with “F”, 3 points ×5) 1. The distinction between loan or over draft methods does not matter greatly to the customer. 《金融英语》 第 3 页 共 5 页
( F ) 2. A bank is usually unhappy to take on new customers. ( F ) 3. While markets are organized in various ways in different countries of the world, most of foreign exchange transactions are simply arranged by two parties and executed just by telex. ( T )
4. The balance of payments, rates of domestic inflation and the relative purchasing power of currencies will affect the rates of exchange (T ) 5. China adopts the direct quotation method. ( T)
Answer Questions : (Directions :each question should be answered with more than 50 words, or your points will be cut down): 1. How does a company protect itself by a forward deal? (10 points) (1).Keep good for varieties of midline position. (2) On the variety of lightweight days inertial operation, generally falling two wave after wave unwinding long, red; or even two litre of wave short wave, or unwinding. When unforeseen circumstances such as the occurrence of unilateral market, or stops, or change a reverse position, and according to the actual situation of distance and pupil ratio. (3) Not only focus on a variety of classes, it may lose the overall sense of. (4) No matter what happens, must be with the fastest speed to adapt the price and change of direction (5) In general, not subjective judgement of short-term rise and drop goals, and to take advantage of, but not exclusive to the medium price knowledge (6) Stay away from the trend of varieties, especially with the industry and new energy industry unrelated varieties (7) Both risks and benefits, to profit must dare to adventure, the premise is before operation to know as much as possible interventional breed fundamentals and technical features.
2. Why is the sight draft subject to a deduction for discount interest? (10 points) 1, from the acceptance of the rights of the parties and compulsory relation perspective. According to our country negotiable instrument law, acceptance bill drawer duty is : drawer after signing the draft, the draft shall bear the guarantee of obtaining the acceptance and payment of duty. The drawer in the bill is not accepted or paid, it shall pay the sum on the bill to the holder and recourse fee. Visible, the drawer without assuming the discount interest legal obligations. Briefly speaking, acceptance of a ticket issuing bills, only bear at maturity to unconditionally pay a nominal amount of duty, but not in the bill before the due date of any time to unconditionally pay a nominal amount of obligation. For holding the instrument 《金融英语》 第 4 页 共 5 页
man, received the silver acceptance will enjoy due to request the payment of the par value of rights, namely the right to claim for payment; if the right to claim for payment are met, derived from the right of recourse. In addition, human rights instruments have no claim discount interest bill obligations shall bear. And the drawer's obligations, the holder only at maturity for the bill debtor to pay unconditionally the face amount of the right, but not in the bill before the due date of the bill debtor enjoys a request at any time to unconditionally pay a nominal amount of rights. This is the most important characteristic of acceptance. Since the drawer only undertake the bill paid at the maturity of the face amount of the obligation, it need not bear before the expiry of the discount interest.2, from silver acceptance accounting norms of view. According to China's current financial accounting standards, enterprise hold acceptance, can apply for a discount in order to obtain the required funds. To bearer, unearned discount the received sum is bank deposits, discount interest part included in finance costs. Accounting standards for bill discount interest is to confirm the bearer of the financial costs, is the holder shall responsibility cost of capital. In simple terms, China's financial accounting standards but also by the holder of the burden of bank acceptance discount, rather than by the drawer to bear. The above methods not only mandatory financial norms, must abide by, are also important from the commercial transaction habit.3, from silver acceptance payment function perspective. The bill 's main function is not only reflected in the settlement, but also manifests in its as a means of payment. That is to say, the holder the bank acceptance can not only through the discounted access to funds, also can be endorsed, and as a means of payment. From this level, the bearer said the nominal amount of 5000000notes and5000000cash is the same. The holder with the nominal amount of 5000000of the bank acceptance bill to repay debt and $5000000 in cash to repay debt legal effect is the same. Therefore, acceptance function understanding cannot stay in narrow discount, also should see acceptance payment function. From the perspective of the payment function, and no discount. The bank acceptance payment function to develop instruments transferability ( circulation ) are further described, right to accept acceptance does not affect its economic interests. Based on the analysis above, the contract for the discount interest burden is not agreed by the parties, need to follow the current of the negotiable instruments law, contract law, financial accounting standards were solved, and these laws and regulations set by the holder shall bear interest
