1、【单选题】sources of income in our lives are typically below except______、 a、salary b、wage c、tax d、bonus
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
3、【单选题】the first step of making wealth is a、wealth management b、wealth creation c、wealth accumulation d、wealth calculation
4、【判断题】fund and capital, both of them mean a large amounts of money、
5、【判断题】salary is fixed compensation paid regularly for services、
2.1what is money 什么是货币
1、【单选题】credit money are typically below except______、 a、cash b、bank card c、gold coin d、check
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
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
4、【判断题】mental money, mostly silver and gold mainly was used in a barter economy、
5、【判断题】money is a measurement for value of goods and services、
6、【判断题】credit money is a kind of full-bodied money、
2.2how to express money 钱可以如何表达
1、【单选题】which of the followings does not mean money?（ ） a、bacon b、bread c、bones d、beef
2、【单选题】20-dollar bill can be expressed as （）. a、benjamin b、jackson c、trump d、clinton
3、【单选题】（ ）is the most commonly used. a、penny b、nickel c、dime d、quarter
4、【判断题】$4.75 should be said as “ four point seventy five dollars”
5、【判断题】one dollars = 1000 cents.
3.1credit in our lives 我们生活中的信用
1、【单选题】commercial credit is the credit happened between_____ a、individuals b、individuals and enterprises c、enterprises d、governments, individuals and enterprises
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
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
4、【判断题】consumer’s credit is provided by banks and other financial institutions for individual, enterprise and government、
5、【判断题】fiscal credit is the credit in which governments play the role as lenders or borrowers、
4.1talking about interest and interest rate 聊聊利息和利率
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%
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
3、【判断题】interest means how much return the lenders will get、
4、【判断题】unlike the nominal rate, the real interest rate takes the rate of return into account、
4.2the magic of compound interest 复利的神奇力量
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
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
3、【判断题】without reinvesting earnings, compound interest can also be generated.（）
4、【判断题】the longer the time, the more compound interest.（）
4.3we have to know the foreign exchange and exchange rate 不得不知的外汇与汇率
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
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
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
4、【判断题】fixed exchange rate will be fixed against the value of another single currency or to a basket of other currencies、
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、
5.1primary vs secondary market 一级市场与二级市场
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
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
3、【判断题】securities are traded in primary market.
4、【判断题】the main function of secondary market is providing liquidity.
5.2money market vs capital market 货币市场与资本市场
1、【单选题】money market usually includes______、 a、fund market b、bond market c、stock market d、commercial paper market
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
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
4、【判断题】stock market is a short-term financial market for financing money、
5、【判断题】the money market plays a key role in assuring companies and governments maintain the appropriate level of liquidity、
5.3what do you know about roles in financial markets? 金融职业知多少？
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
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
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、
4、【判断题】an agent is an individual who engages in the buying and selling of financial assets such as stocks、
5、【判断题】a dealer in the securities market is an individual or firm that buying and selling securities for their own account、
5.4financial ethics 金融职业道德
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
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
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
4、【判断题】ethics is same as law.
6.1basic features of bond 债券的基本特征 林姝妤
1、【单选题】which is not one of the characters of bond？ a、face value b、price c、coupon d、issuer
6.2stock and stock exchange 股票及证券交易所
1、【单选题】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
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、
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
4、【判断题】a stock is a type of security that signifies ownership in a corporation、
5、【判断题】preferred share can not represent partial ownership in a company、
6.3what is mutual fund？什么是共同基金？
1、【单选题】which is not one of the benefits of mutual fund?（ ） a、diversification b、high return c、professional
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
3、【单选题】which does not include in the prospectus of fund?（ ） a、fees b、risks c、expected return d、performance history
4、【判断题】sales load are charged only at the time of purchase.
5、【判断题】balance funds only hold bank balances.
7.1central bank of china vs usa中美央行对比
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
2、【单选题】the chairman of the board of federal reserve is nominated by（ ） a、president b、congress c、court d、people
3、【单选题】there are（ ）federal reserve bank through out usa . a、4 b、8 c、12 d、50
4、【判断题】the federal reserve system is a private profit organization.（ ）
5、【判断题】the headquarter of china’s central bank is located in beijing.（ ）
8.1what is commercial bank 商业银行是什么？
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
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
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 varies financial services to client、 c、intermediary business does not include debit card business、 d、intermediary business includes personal wealth management services、
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、
5、【判断题】a commercial bank usually accepts deposits from government,individuals and companies、
8.2how to open an account？如何开户
1、【单选题】we can also call pin as _____. a、password b、passport c、passbook d、passmark
2、【判断题】the interest rate of current account is usually higher than saving account.
3、【判断题】we can withdraw money from current account.
8.3deposit and withdrawal business 存取款业务
1、【单选题】the deposit without maturity date is _____. a、demand deposit b、time deposit c、saving deposit
2、【单选题】atm is the abbreviation of _______. a、automatic transaction machine b、automatic translation machine c、automatic teller machine
3、【判断题】in the video, when you withdraw money from atm, you should remove your debit card before taking the money.
8.4loan business 贷款业务
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
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
3、【判断题】a bank has a great reputation means it must has a high interest rate、
4、【判断题】finishing the loan approval procedure means the applicant can get the bank authorities’ agreement to provide the loan、
8.5personal wealth management services 个性化理财服务
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
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、
3、【判断题】stock is a kind of investment tools、
4、【判断题】portfolio is a effective approach to reduce investment risk、
9.1international settlement business 国际结算业务
1、【单选题】collecting bank is employed by ______． a、the principal b、the remitting bank c、the drawer d、the drawee
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
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
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
10.1does investment bank belong to commercial bank？投资银行属于商业银行吗？
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
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 aid companies in going public
3、【判断题】unlike commercial banks and retail banks, investment banks do not take deposits.
11.1what are derivatives？什么是金融衍生品？
1、【单选题】which is not one of financial derivatives? _____. a、forward b、future c、option d、share
2、【单选题】option means ______ in chinese. a、期货 b、期权 c、远期 d、互换
3、【判断题】derivatives can be used to hedge risk.
4、【判断题】the value of financial derivatives is based on underlying asset.
11.2futures vs forwards 期货与远期
1、【单选题】_____ is a ______ contract between counterparties. a、forward, standardized b、forward , customized c、future, standardized d、future , customized
2、【判断题】the disadvantage of forward is illiquid.
3、【判断题】a future contract can be continuously traded during its life.
4、【判断题】when the price of underlying asset goes up a lot, the future contract is more likely to be default、
11.3dealing with options 期权交易
1、【单选题】the party granting the right to buy or sell an asset is called the option seller or ___ of the option. a、buyer b、writer c、dealer d、customer
2、【单选题】the party who must decide whether to exercise the option is termed the option ___. a、seller b、broke c、buyer d、dealer
3、【单选题】an option gives the buyer the right to sell the underlying assets,we call the option is a ___. a、call option b、put option c、buy option d、sell option
4、【判断题】the options buyers' minimum loss is capped at premium.
5、【判断题】options are contracts that give the seller the obligation, but not the right.
12.1danger lies everywhere—insurance 风险无处不在之保险
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
2、【单选题】money paid for insurance is called ______. a、premium b、price c、insurance fee
3、【单选题】a person whose interests are protected by an insurance policy is called_____. a、insuree b、insurer c、insured d、policyholder
4、【判断题】insurance is designed to protect you from loss, grow your assets or help you save money for the future.
13.1internet finance 互联网金融
1、【单选题】p2p lending means _____. a、people to people b、person to person c、peer to peer d、pool to pool
2、【单选题】which one is not the factor of crowdfunding?_____. a、project sponsors b、crowdfunding platform c、innovation d、investors
3、【判断题】internet finance as a new financial business model provides financing, payment, investment.
4、【判断题】big data finance is not the mode of internet finance.
13.2financial crisis 金融危机
1、【单选题】when a family wants to buy a house, they should save for _____. a、principal b、installment c、down payment
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
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
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