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金融英语证书考试过关冲刺试题一[听力音频]
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金融英语证书考试过关冲刺试题二[听力音频]
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金融英语证书考试过关冲刺试题三[听力音频]
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金融英语证书考试过关冲刺试题四[听力音频]
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金融英语证书考试过关冲刺试题五[听力音频]
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金融英语证书考试过关冲刺试题六[听力音频]
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金融英语证书考试过关冲刺试题七[听力音频]
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金融英语证书考试过关冲刺试题八[听力音频]
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金融英语证书考试过关冲刺试题九[听力音频]
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金融英语证书考试过关冲刺试题十[听力音频]
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金融英语证书考试过关冲刺试题一[听力音频]
Part One Listening (30 marks)
Section One (10%)
Directions：In this section，you will hear ten shortstatements. Each statement will be spoken only once. After each statement，there will be a pause. Duringthe pause，you mustread the four suggested answers marked A，B，C andD，and decide whichis the best answer. Then mark the corresponding letter on the ANSWER SHEET witha single line through the center.
Now you willhear the example:
She went to the bank with Mr. Smith.
You will read:
A. She went home. B.She liked Mr. Smith.
C. She went to the bank. D. She went to Mr.Smith’s house.
Statement C, “She went to the bank.” is the closest in meaning tothe statement “She went to the bank with Mr. Smith.” Therefore, you shouldchoose answer C. Now listen to the statements.
1. A. On Sundaysthe bank is open till 4:00 p.m..
B. OnSundays the bank is open till 4:30 p.m..
C. OnSundays the bank is closed at 4:30 p.m..
D. OnSundays the bank opens at the usual time.
2. A. A Legaltender is the money recognized as a legal medium of exchange.
B. Money is usedas legal tender if it is a medium of exchange.
C. Money is not usedas legal tender until it is a medium of exchange.
D. Legal tenderis the money recognized as a medium of exchange.
3. A. A businesshas an obligation to report the use of the assets to the creditors and owners.
B. A Businesshas an obligation to report the accounts of the company to directors.
C. The creditorsand owners have an obligation to report the use of the assets to the business.
D. The assetsare not owned by the business, but by the creditors and owners.
4. A. The aim ofsuch control is to raise the demand for foreign exchange.
B. The aim of such control is to decrease the supply of foreignexchange.
C. The aim of such control isn’t to maintain a stable exchange rate.
D. The aim of such control is to maintain a stable exchange rate.
5. A. Moneybrokers generally buy and sell CDs among themselves.
B. The buyer and seller of CDs will generally trade through thebrokers.
C. Money brokers never buy and sell CDs among themselves.
D. CDs are generally bought and sold through the bank.
6. A. The checkis out of date.
B. The check ispost-dated.
C. The check isin too large amount.
D. The check isa crossed one.
7. A. The cost principle states that assets and services that areacquired should be recorded at their current price.
B. The cost principle states that assets and services that areacquired should be recorded at their actual historical cost.
C. The Reliability Principle states thatassets and services that are acquired should be recorded at their current cost.
D. The Reliability Principle states thatassets and services that are acquired should be recorded at their actualhistorical cost.
8. A. Thecollecting bank is the bank at the seller’s country.
B. The collecting bank acts only as an agent for the remitting bank.
C. The collecting bank knows the buyer very well.
D. The collecting bank noticed that the draft and the documents werereceived.
9. A. The relationship between the drawee and collecting bank willbe taken into consideration first of all.
B. The remittingbanker’s instructions will be paid much more attention.
C. The remitting banker’s instructions will be less important thanthe relationship between the drawee and collecting bank.
D. The remittingbanker must consider the relationship between the drawee and collecting bank.
10. A. Not allthe customers are allowed by Internet banking to transact business.
B. Internet banking allows any customer to transact business fromcertain places.
C. Internet banking allows any customer to transact business fromcertain time.
D. All customers are allowed by Internet banking to transactbusiness.
Section Two (10%)
Directions：In this section，you will hear ten shortconversations. At the end of each conversation, a question will be asked aboutwhat was said. The conversation and question will be spoken only once. Duringthe pause，you mustread the four choices marked A，B，C，D，and decide which is the best answer. Then mark thecorresponding letter on the ANSWER SHEET with a single line through the center.
Now you will hear：
M: Does our bank have a direct correspondent relationship with theBradlays’ Bank?
W: No, we don’t. So we have to advise this L/C via another bank.
Q: Which of the following is right?
Now you will read:
A. We can advise this L/C to the Bradlays’ Bank.
B. The Bradlays’ Bank is our correspondent.
C. The L/C has to be advised by a third bank.
D. We should advise this L/C by ourselves.
From the conversation we know that we have to advise this L/C viaanother bank. The best answer is C. Therefore you should choose answer C.
11. A. It meansbeing convenient to be carried.
B. It meansbeing readily to be divided.
C. It meansbeing easily identified.
D. It meansbeing carried in a big basket.
12. A.Four
B.Two
C.Three
D. Five
13. A. Acontractual arrangement.
B. Acounterpart.
C. Many types ofrisks.
D. Credit risk.
14. A. Bills oflading.
B. Consularinvoice.
C. Insurancepolicy.
D. Certificateof origin.
15. A. He got acredit card of his friend and come to ask how to use it.
B. He got a card and did not know whose card it is.
C. He has lost his credit card and come to ask what to do.
D. He has found a credit card and come to ask what to do.
16. A. Highcreditlimits.
B. High annualfee.
C. Low interestrates.
D. Monthlystatements.
17. A. Themethods of financial statements.
B. The necessityof careful analysis of financial statements
C. Therelationship among financial statements.
D. The purposeof financial statements.
18. A. Bothendorse the instrument.
B. Neither ofthem endorses the instrument.
C. A authorizesB to endorse the instrument.
D. authorizes Ato endorse the instrument.
19. A. The manwill probably wait for the payment for 30 days.
B. The man can get his payment right away.
C. The man will send an order to the company.
D. The woman will not pay the man at sight.
20. A. He wantsto withdraw some pounds.
B. He wants totransfer some money to London.
C. He wants to know how to transfer money from London to him.
D. He wants to exchange some pounds for yen.
Section Three (10%)
Directions: In thissection, you will hear three short passages. At the end of each passage, youwill hear some questions. The passages and the questions will be spoken onlyonce. After you hear a question, you must choose the best answer from the fourchoices marked A, B, C and D. Then mark the corresponding letter on the ANSWERSHEET with a single line through the center.
Passage One
21. A. Bank cardbusiness.
B. Bank card fraud.
C. Technologies used in bank.
D. International card fraud.
22.A. $680 million
B. $ 860 million
C. $ 680 billion
D. $ 860 billion
23.A. It’s the same over the 10-year period.
B. It’s getting worse over the 10-year period.
C. It’s getting better over the 10-year period.
D. There is no way to solve the problem.
Passage Two
24.A. To follow the bank’s rules and regulations
B. To have the right to make full use of the bank’s facilities
C. To open an account in the bank
D. To protect the depositor’s interest
25. A. He makesdeposits with a bank
B. He withdraws money from a savings account
C. He withdraws money from a checking account
D. Both A and B
26.A. To attract deposits
B. To improve bank services
C. To eliminate the use of the passbook
D. To promote banking business
Passage Three
27. A.cash
B. notes and coins
C. recordedelectronic funds-transfer system
D. paper gold
28. A. cashwould be no longer in use
B. there wouldbe more safety guards
C. more prisonswould be set up
D. people wouldbe better off
29.A. Letters of credit
B. Electronic funds-transfer technology
C. Creditcards
D. Traveler’sChecks
30. A. In a cash-free society, bank robberies and cash registerrobberies would not occur.
B. Retail shopscould operate in safety.
C.Automatic-teller-machine system would have to change.
D. Pursesnatching would simply become impossible.
Part Two Reading (45%)
Section One (15%)
Directions: There are threepassages in this section. Each passage is followed by some questions orunfinished statements. For each of them, there are four choices marked A, B, Cand D. You should make the best choice and mark the corresponding letter on theANSWER SHEET by drawing a single line through the center.
Passage One
Commercial bankdeposits, including demand deposits, are subject to immediate withdrawal duringregular banking hours at the request of the depositor with the exception ofcertain time deposits, discussed in this section. Demand deposits may bewithdrawn in the form of currency or coin, or they may be transferred toanother account at any commercial bank. Demand deposits at commercial banks canbe transferred by bank check and are sometimes called checking accounts. Nomoney interest is paid on demand deposits. Checkable NOW accounts, or sharedrafts at credit unions, which are available to consumers but not businessdepositors, pay interest. Technically, they are savings accounts that areaccessible by a negotiable order of withdrawal.
Savings depositsat commercial banks and thrifts can usually be withdrawn as currency or coin,or as a cashier’s check of the bank (a check drawn against the issuing bank);they may be transferred into the depositor’s demand deposit account at the samebank, although technically the bank may refuse to withdraw or transfer asavings account for 30 days.
Time depositaccounts with specified maturities are exceptions to the convention thatcommercial bank deposits should be convertible to cash on demand. Prior to thedate of maturity, the bank may refuse to exchange such a time deposit claim ormay impose a penalty fee. The time deposit pays interest, giving it one of thecharacteristics of other private bonds.
Consumer orpersonal time deposits include CDs in denominations of less than$100,000. Theyare non-negotiable; that is, they cannot be sold and must be re- turned to theissuing bank by the original purchaser. Until 1976, there were effectiveceilings on interest payments. In 1973, consumer CDs were first authorized withceiling interest yields closer to market interest rates. They were called moneymarket certificates.
31. Which of thefollowing is excluded from the commercial bank deposits?
A. Demanddeposits.
B. Timedeposits.
C. Checkingaccounts.
D. Treasurybills.
32. How dopeople draw money with a commercial bank against a NOW account?
A. By a bankcheck.
B. By a demand.
C. By anegotiable order of withdrawal.
D. By a draft.
33. Into whatkind of account can a savings deposit be transferred at the same bank?
A. A timedeposit account of the depositor.
B. A demanddeposit account of the depositor.
C. A NOW accountof the depositor.
D. A fixed timeaccount of the depositor.
34. What can welearn from the third part of the passage?
A. Time deposit accounts are not subject to the convention so thatthey can not be converted to cash before their maturity date.
B. Commercial banks may impose a penalty fee on all kinds of accounts.
C. People can get interest payment when they exchange their tireddeposits for private bonds.
D. Banks may refuse to transfer a time deposit into a savingsdeposit.
35. Which of thefollowing is not mentioned in the passage?
A. CDs are a kind of consumer time deposits.
B. All the consumer or personal time deposits are non-negotiable.
C. No money interest is paid on personal time deposits.
D. The interest yields of consumer CDs are closer to market interestrates.
Passage Two
The balance ofpayments is a statistical record of all the economic transaction betweenresidents of the reporting country and residents of the rest of the worldduring a given time period. The usual reporting period for all the statisticsincluded in the accounts is a year. A good or bad set of figures can have aninfluential effect on the exchange rate and can lead policy makers to changethe content of their economic policies. Deficits may lead to the governmentraising interest rate or reducing public expenditure to reduce imports.Alternatively, deficits may lead to calls for protection against foreignimports or capital controls to defend the exchange rate.
A key definitionthat needs to be resolves at the outset is that of a domestic and foreignresident. It is important to note that citizenship and residency are notnecessarily the same thing from the viewpoint of the balance of paymentsstatistics. The term residents comprises individuals, households, firms and thepublic authorities. There are some problems that arise with respect to thedefinition of a resident. Multinational corporations are by definition residentin more than one country. For the purposes of balance-of-payments reporting,the subsidiaries of a multinational are treated as being a resident in the countryin which they are located even if their shares are actually owned by domesticresidents. Another problem concerns the treatment of internationalorganizations such as the International Monetary Fund, the World Bank and theUnited Nations. These institutions are treated as being foreign residents eventhough they may actually be located in the reporting country. For examplealthough the International Monetary Fund is located in Washington,contributions by the US government to the Fund are included in the USbalance-of-payments statistics because they are regarded as transactions with aforeign resident. Tourists are regarded as being foreign residents if they stayin the reporting country for less than one year.
The criterionfor a transaction to be included in the balance of payments is that it mustinvolve a transaction between a resident of the reporting country and aresident from the rest of the world. Purchases and sales between residents fromthe same country are excluded.
36. What is thebalance of payments?
A. The balance of payments is a digital table of all the economictransactions between residents of the reporting country and residents of therest of the world during a given time period.
B. The balance of payments is a figured table of all the economicTransactions between residents of the reporting country and resident of therest of the world during a given time period.
C. The balance of payments is a statistical record of all theeconomic transactions between residents of the reporting country and residentsof the rest of the world during a given time period.
D. The balance of payment is a digital record of all the economictransaction between residents of the reporting country and residents of thetest of the world during a given time period.
37. Which of thefollowing statement is true?
A. Deficit may lead government to reduce interest rate.
B. Deficit may lead government to raise expenditure on imports.
C. Surplus may lead government to stimulate imports from foreigncountries.
D. Surplus may lead government to reduce expenditure on imports.
38. It isimportant to note that______.
A. citizenship is less important than residency are the same thingfrom the viewpoint of the balance of payments statistics
B. citizenship has a broader meaning than residency
C. citizenship and residency are indeed the same thing from theviewpoint of the balance of payments statistics
D. citizenship and residency are not necessarily the same thing fromthe viewpoint of the balance of payments statistics
39. Which of thefollowing transaction is not included in Chinese balance of payments?
A. Bond transaction with Citibank
B. Service transaction between local enterprise and Sino-foreignjoint company incorporated in China
C. Capital inflow to Beijing subsidiary of Swiss multinationals
D. Loan from IMF
40. What is thealternative name of the World Bank?
A. International Bank for Reconstruction and Development
B. International Financial Corporation
C. International Development Association
D. International Settlement Bank
Passage Three
Plain andsimple, stock is a share in the ownership of a company. Stock represents aclaim on the company’s assets and earnings. As you acquire more stock, yourownership stake in the company becomes greater. Whether you say shares, equity,or stock, it all means the same thing.
Holding acompany’s stock means that you are one of the many owners (shareholders) of acompany, and, as such, you have a claim (albeit usually very small) toeverything the company owns. Yes, this means that technically you own a tinysliver of every piece of furniture, every trademark, and every contract of thecompany. As an owner, you are entitled to your share of the company’s earningsas well as any voting rights attached to the stock.
A stock isrepresented by a stock certificate. This is a fancy piece of paper that isproof of your ownership. In today’s computer age, you won’t actually get to seethis document because your brokerage keeps these records electronically, whichis also known as holding shares “in street name”. This is done to make theshares easier to trade. In the past when a person wanted to sell his or hershares, that person physically took the certificates down to the brokerage.Now, trading with a click of the mouse or a phone call makes life easier foreverybody.
Being ashareholder of a public company does not mean you have a say in the day-to-dayrunning of the business. Instead, one vote per share to elect the board ofdirectors at annual meetings is the extent to which you have a say in thecompany. For instance, being a Microsoft shareholder doesn’t mean you can callup Bill Gates and tell him how you think the company should be run.
The managementof the company is supposed to increase the value of the firm for shareholders.If this doesn’t happen, the shareholders can vote to have the managementremoved—well, this is the theory anyway. In reality, individual investors likeyou and I don’t own enough shares to have a material influence on the company.It’s really the big boys like large institutional investors and billionaireentrepreneurs who make the decisions.
41. The word“acquire” in the first paragraph probably means “______”.
A.buy
B. claim
C. getknown
D. get together
42. The word“stake” in the first paragraph probably stands for “______”.
A.risk
B. yield
C.return
D. all of theabove
43. According to the passage, the phrase “holding shares in streetname” probably refers to “_______”.
A. holdingphysically the stock certificates by the investors
B. keepingelectronic record of stock ownership by the brokerage
C. depositingthe stock certificate with the Wall Street bankers
D. depositingthe stock certificate with investment banks on the Wall Street
44. Being ashareholder of a public company means that ________.
A. you have asay in the daily management of the company
B. you become amember of the board of directors
C. you have onevote per share to elect the board of directors
D. you can airyour view on how to run the company
45. Themanagement of the company is to raise________.
A. the value ofthe firm for the shareholders
B. the asset ofthe firm for the debtors
C. the liquidityassets for the debtors
D. the stockholdingplans for the employees
Section Two (10%)
Directions: There are tenstatements in this section. For each statement there are four choices marked A,B, C and D. You are supposed to choose the best answer and mark thecorresponding letter on the ANSWER SHEET by drawing a single line through thecenter.
46. The price inthe foreign exchange market is called ______.
A. the trade surplus
B. the exchange rate
C. the money price
D. the currency rate
47. If the beneficiary does not bank at the bank on whom the draftis drawn, the funds will be treated as_______.
A. uncollected
B. uncleared
C. unclaimed
D. uncommitted
48. Governmentsecurities would appear on a commercial bank’s balance sheet as ______.
A. anasset
B. reserves
C. part of net worth
D. a liability
49. When acountry runs a foreign trade deficit under a flexible foreign exchange ratesystem, its ______.
A. imports automatically increase
B. currency automatically depreciates
C. exports automatically decline
D. currency automatically appreciates
50. Money marketsecurities are ______.
A. essentially issued by governments, financial institutions, andlarge corporations
B. very liquid and earns high return
C. denominated in small sums so that individual investors can dealin them
D. purchased by individual investors directly
51. Cost accounting analyzes a business’s cost to helpmanagers_______.
A. expend money
B. control expenses
C. pay the debts
D. make budget
52. Under D/P, all the documents, and usually title to the goods,are released to the buyer upon ______.
A. his acceptance of the draft for payment at a specified later date
B. his payment of the amount specified under reserve
C. his partial payment of the bill amount
D. his payment of the amount specified
53.A profit and loss statement indicates the company’s ______.
A. assets and liabilities at a particular point in time
B. revenues and expenses for a specific period of time
C. financial resources at a particular point in time
D. performance at a particular point in time
54 You are requested to send us ______ to authenticate the cable L/Cissued by your bank in the future.
A. your specimen signatures book
B. your telegraphic test key
C. yourtariffs
D. your terms and conditions
55.The owner’s equity in a business comes from two sources: ______.
(1) Investment by the owner
(2) Notes receivable
(3) Earnings from profitable operation of business
(4) Accounts receivable
A. (2) and(4)
B. (1) and (3)
C. (1) and(2)
D. (3) and (4)
Section Three (10%)
Directions: There are 10blanks in the following passages. For each blank, there are four choices markedA, B, C and D. You are supposed to choose the best answer and mark thecorresponding letter on the ANSWER SHEET by drawing a single line through thecenter.
Passage One
FLOOR BROKERS,when a commission broker has 56 that he cannotexecute personally because of their number or because of the activity of themarket, he engages the services of a floor broker. These floor brokers wereonce referred co as $2 brokers, because at one time they charged a fee of $2per 57 ; today this fee is 58higher. Commissions are shared on these orders. It is easy to seethat smaller commission brokers are especially prone to 59 by an influxof orders. The floor broker, as a freelance operator, provides a 60function in ensuring that the exchange’s business is conductedrapidly and efficiently.
56. A. commands B.instructions C. arrangements D.orders
57. A. business B.deal C.transaction D. trade
58. A. much B.considerably C. incredulously D.incredibly
59. A. beingswamped B. swamp C.be swamped D. have been swamped
60. A.outstanding B.important C. significant D.vital
Passage Two
Liabilities areusually classified as either current or noncurrent liabilities. Current liabilitiesare those obligations whose 61 is reasonablyexpected to require the use of existing resources properly classified ascurrent 62 , or the creation of other currentliabilities. This definition of current liabilities emphasizes a short-termcreditor’s claim to working capital rather than to the due date for 63purposes. Accounts payable, dividends payable, salariespayable, and taxes payable are examples of current liabilities. Liabilitieswhich are not current liabilities are 64 asnon-current or long-term liabilities. Bonds payable and mortgages payable areexamples of 65 liabilities
61. A.calculation B.liquidation C. counting D.account
62. A. assets B.capital C.property D.equity
63. A. economic B.definition C. legal D.classification
64. A. referredto B. distributed C.divided D.seen
65. A.short-term B.current C.long-term D. equitable
Section Four (10%)
Directions: Read thefollowing passages and determine whether the sentences are “Right” or “Wrong”.If there is not enough information to answer “Right” or “Wrong”, choose“Doesn’t say”. Then mark the corresponding letter on the ANSWER SHEET bydrawing a single line through the center.
Passage One
The market forlarge business certificates of deposit or negotiable certificates of deposit(CDs) in denominations of $100,000 or more has been active since 1961. It is amoney market specializing in the sale of Marketable, interest-yielding depositcertificates with specified maturity dates, issued by four types of financialintermediaries. Domestic CDs are issued by US banks. Dollar-denominated CDsissued by banks outside the United States are called. The CDs issued by USbranches of foreign banks are called Yankee CDs. Thrift CDs are the name usedto designates CDs issued by domestic thrifts.
The holder of aCD who wishes to exchange it for money before its maturity date will ask amoney market participant (often a commercial bank) to arrange a sale through aspecialized dealer. There is an active secondary market in CDs centered in NewYork. There are approximately 25 dealers in CDs.
The CD is aninstrument that allows the depository intermediaries to raise funds at competitivemarket rates. It is called one of their managed liabilities. Since they loanout funds at their lending rates, they would normally keep their advertisedprime rate above the CD rate. As noted previously, the prime rate formula thathad been used by Citibank set the prime one-and-a-half percentage points abovethe previous three-week average of 90-day (3-month) CDs sold in the secondarymarket.
The yield on3-month CDs is usually higher than 3-month Treasury bills. Treasury bills havea lower default risk and exempt from state and local tax. This may explain theextent of the spread.
66. Euro CDs are the negotiable certificates of deposit denominatedin European currencies issued by American banks outside the United States.
A.Right B. WrongC. Doesn’t say
67. CDs may be exchanged for money before its maturity date eitherin money markets or at commercial banks.
A. Right B. Wrong C. Doesn’t say
68. The reason why the market for large CDs has been active since1961 may be that the yield is usually higher than Treasury bills.
A. Right B.Wrong C. Doesn’t say
Passage Two
The primaryjustification for banking supervision is to limit the risk of loss todepositors, and by so doing to maintain public confidence in banks. And whilesupervision naturally focuses on the individual bank, supervisors must also bealert to the possibility that problems in one institution may have wider,systemic repercussions on others, or on the integrity of the payments system.
69. Supervisorshave the obligation to save a failingbank.
A.RightB.WrongC. Doesn’t say
70. Supervisorsusually pay more attention to the individualbank.
A.RightB. WrongC. Doesn’t say
71. A sound bankwill not suffer from the bankruptcy of other unrelated banks.
A.RightB. Wrong C.Doesn’t say
Passage Three
To finance thenational debt, the government issues a variety of debt securities. The mostwidely held liquid security is the Treasury bill, which is commonly issued bythe ministry of finance. However, some Treasury bills, like the Treasury billof the U.S. government, do not actually pay interest. Instead they are issuedat a discount from par (their value at maturity) .The investor’s yield comesfrom the increase in the value of the security between the time it waspurchased and the time it matures.
Treasury billsare attractive to investors because they are backed by the government andtherefore are virtually free of default risk. Because even if the governmentran out of money, it could simply print more to pay them off when they mature.The risk of unexpected changes in inflation is also low because of the shortterm to maturity. The markets for Treasury bills in most developed countriesare deep and liquid. A deep market is one with many different buyers andsellers. A liquid market is one in which securities can be bought’ and soldquickly and with low transaction costs. Investors in markets that are deep andliquid have little risk that they will not be able to sell their securitieswhen they want to.
72. Treasurybills are short-term and virtually free of default risk. ______.
A.Right B.Wrong C.Doesn’t say
73. As sometreasury bills do not actually pay interest, they are not attractive toinvestors. ______.
A.Right B.Wrong C.Doesn’t say
74. The markets for treasury bills in most developed countries havemany different buyers and sellers. ______.
A.Right B.Wrong C.Doesn’t say
75. Investors in deep and liquid markets face immense risk that theywill not be able to sell their securities when they want to. ______.
A.Right B.Wrong C.Doesn’t say
Part Three Writing (25%)
Section One (8%)
Directions: Translate thefollowing sentences into Chinese. Write your translation on the ANSWER SHEET.
1. Normally a financial market consists of foreign exchange market,money market, bond market and equity market. The last two markets usually fallinto the category of securities market or capital market.
2. The main task of a bank’s foreign exchange department is toenable its commercial or financial customers to convert assets held in onecurrency into funds of another currency.
3. The advent of Web based commerce has added new layers ofcomplexity and unpredictability to the worlds of commercial and retail banking,investment banking, back-end processors and front-end financial software providers.
4. The securities and futures markets are vital to the growth andstrength of market economies as they support corporate initiatives, finance theexploitation of new ideas and facilitate the management of financial risk.
Section Two (7%)
Directions: Describe thebuyer credit procedure of providing loan to importer’s bank on-lending to theimporter, in the order of the numbers given in the chart. Write your answer on the ANSWER SHEET.
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Section Three (10%)
Directions: Write a bank letteraccording to the following requirements. Write your answer on the ANSWER SHEET.
伦敦的A银行拒付了你所在银行在信用证项下提交的一套单据，请按以下理由发电予以反驳。
(1) 面函上银行已注明单据在信用证有效期内提交，因此“信用证失效”的观点不成立；
(2) 提单的标题确实是联运提单，但内容符合《跟单信用证统一惯例》对“港至港”提单的规定；
(3) 提单没有在签字处注明承运人名称，而在别处注明是可以接受的。
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