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单选题
Which of the following is not a credit instrument？（）
A
Check
B
promissory note
C
draft
D
coin
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14 Alpha buys goods from Beta. At 30 June 2005 Beta’s account in Alpha’s records showed $5,700 owing to Beta.Beta submitted a statement to Alpha as at the same date showing a balance due of $5,200.Which of the following could account fully for the difference?A Alpha has sent a cheque to Beta for $500 which has not yet been received by Beta.B The credit side of Beta’s account in Alpha’s records has been undercast by $500.C An invoice for $250 from Beta has been treated in Alpha’s records as if it had been a credit note.D Beta has issued a credit note for $500 to Alpha which Alpha has not yet received.
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听力原文：W: Then certified checks, cashier's and cash letters of credit are "all variants of demand deposits.M: Yes, that's right.Q: Which of the following is not one form. of demand deposits?(13)A．Cashier's.B．Savings certificate.C．Cash letters of credit.D．Certified cheeks.
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听力原文：M: Do you know some forms of bank advances?W: There are three forms: overdrafts, personal loans and mortgages.Q: Which of the following is not a form. of bank advances?(13)A．Overdrafts.B．Mortgages.C．Personal loans.D．Letter of credit.
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听力原文：M: If an instrument is payable to the order of both A and B who are not partners, what should they do?W: Both of them must endorse, unless one has authority to endorse for the other.Q: Which of the following is not right according to the woman?(18)A．Both endorse the instrument.B．Neither of them endorses the instrument.C．A authorizes B to endorse the instrument.D．B authorizes A to endorse the instrument.
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短文理解听力原文： In the United States, even if you decide that you do not want to borrow in order to go on vacation, it is still a good idea for you to have several major credit cards. These provide positive identification when renting an automobile and can be used for the deposit. The credit card receipts will serve as an accurate record of all hotel, plane, train, and restaurant expenses. The use of credit cards avoids the necessity of carrying large amount of cash, purchasing large amounts of traveler's cheeks and keeping track of them, or attempting to use personal checks in places other than your own locality.Many major credit cards provide an instant cash service in case you run out of money. American Express, for example, has set up machines in major airports in which you can purchase traveler's checks using your American Express card.21. The credit card receipts will serve as accurate record for all but which of the following choices?22.Which of the following is not true about the use of credit card?23.Concerning the advantages of credit cards, which of the following is true?24.According to the passage, which card has set up machines in major airports?(21)A．hotel expensesB．stock exchangeC．plane expensesD．restaurant expenses
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The term foreign exchange is best defined by the following statement: it is ______.A．the rate of exchange between two currenciesB．synonymous with currency exchangeC．the place in which foreign currencies are exchangedD．an instrument such as paper currency, note, and check used to make payments between countries
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Under the documentary credit, which of the following is false?A．The buyer's bank will issue a documentary credit.B．The seller has his bank's undertaking to pay.C．If the seller presents the correct documents, he will be paid.D．A bank acts as an intermediary between the buyer and seller and is willing to provide trade.
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A credit may be advised to a beneficiary through another bank (the advising bank) without engagement on the part of the advising bank, but that bank, if it elects to advise the credit, shall ______.A．inform. the issuing bank of the credit which it advises without delayB．endorse the amount negotiated on the reverse of the credit which it advisesC．add his confirmation to the credit which it advisesD．take reasonable care to check the apparent authenticity of the credit which it advises
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听力原文：Under the documentary credit, banks are in no way concerned with the sales contract on which the credit may be based.(3)A．Banks will deal with the documentary credit along with the sales contract.B．Banks take no care of the sales contract while dealing with the documentary credit.C．Documentary credit and the sales contract are both important to banks.D．Banks will care for either the documentary credit or the sales contract.
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According to the passage, which of the following statements is correct?A．A "revocable credit" may be cancelled at any time.B．The credits are usually in favor of the exporter.C．An "irrevocable credit" may not be amended.D．The credits are usually in favor of the importer.
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Which of the following credit is not mentioned in the passage?A．irrevocableB．revocableC．standbyD．confirmed
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A bill of lading could be which of the following？ ______. ① A contract ② A receipt ③ A negotiable instrument．A.I and ③ onlyB.② and ③ onlyC.② and ③ onlyD.①，② and ③
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An aneroid barometer is an instrument ______.A.used to measure the speed of windB.in which the pressure of air is measuredC.that tells which direction a storm is coming fromD.used to measure the height of waves
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资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.
Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.
If you fall into either of these categories，it’s smart to focus on raising your credit scores.
If you have no credit score，you don’t have a credit history.If you have bad credit，it’s likely that you’ve mishandled credit in the past.And these two less-than-ideal credit standings require different solutions.
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control.
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep your debt low.It takes diligence and dedication，but it can be done.
How to establish credit if you fall into the no-credit category？A.To have a credit-builder loan
B.To acquire secured credit cards（which require a security deposit） or college student credit cards
C.To acquire a credit card
D.All of above
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Which of the following was NOT an effect of the change in business procedures？( ) A.An increase in credit sales.
B.The use of courier services between cities.
C.The adoption of simpler accounting procedures.
D.The improvement of roads.
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When managing accounts and contracts in WebSphere Commerce Accelerator， which of the following values are defined in the account instead of a contract？（）A、How invoices are deliveredB、Whether a catalog filter should be specifiedC、Whether order approval is requiredD、Whether returns are permittedE、Whether the buyer organization has a credit line
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Which of the following business scenarios is the LEAST appropriate for Web services？（）A、 Expanding the reach of your company information.B、 Providing transactional services such as credit card payment processing.C、 Making existing services available to a business process to orchestrate services.D、 Enabling interoperability between heterogeneous services to create time-critical solutions.
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单选题Which of the following is the mysterious area of music and brain facing scientists?A
The difference between people with musical ancestors and tin-eared people in evolution.B
The working mechanics of music and musical instrument.C
The function of music in the area of neurology and biology.D
The difference between people with mental illness and people with deaf ear to music.
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多选题A documentary credit for usd 150,000 calls for a full set of bills of lading and an insurance certificate to cover all risks. The bill of lading presented indicates an on board date of 15 december. Which of the following insurance documents are acceptable？（）APolicy for usd 185，000BCertificate dated 17 decemberCDeclaration signed by a brokerDSubject to a franchise
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单选题An aneroid barometer is an instrument（）.A
used to measure the speed of windB
in which the pressure of the air is measuredC
that tells which direction a storm is coming fromD
used to measure the height of waves
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单选题Which instrument is most useful in forecasting fog（）.A
A barometerB
An anemometerC
A sling psychrometerD
A pyrometer
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单选题Which instrument is used to predict the approach of a low pressure system（）.A
AnemometerB
FathometerC
BarometerD
Thermometer
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单选题Which of the following business scenarios is the LEAST appropriate for Web services？（）A
Expanding the reach of your company information.B
Providing transactional services such as credit card payment processing.C
Making existing services available to a business process to orchestrate services.D
Enabling interoperability between heterogeneous services to create time-critical solutions.
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单选题Which instrument is used to measure the relative humidity of air?（）A
HydrometerB
HygrometerC
SpectrometerD
Barometer
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单选题Which of the following statements is INCORRECT?A
Stock markets in Europe and America have dropped considerably.B
There may be a wider financial crisis in case of Greek default.C
A further round of selling has been under way.D
Portugal has seen credit rating downgraded.
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多选题When managing accounts and contracts in WebSphere Commerce Accelerator， which of the following values are defined in the account instead of a contract？（）AHow invoices are deliveredBWhether a catalog filter should be specifiedCWhether order approval is requiredDWhether returns are permittedEWhether the buyer organization has a credit line
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单选题Which of the following statements is TRUE? ______.A
Credit cards have more advantages than travellers’ cheques.B
Dollar bills are as convenient as credit cards.C
One-cent coins have been withdrawn from circulation.D
You can increase your credit limit as you like.
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