第一章 单元测试

1、单选题：
Which of the following statements best defines international settlement and its classifications?
选项：
A:International settlement is limited to the transfer of goods across borders and does not involve any financial transactions.
B:International settlement encompasses all financial transactions between countries, including trade, investments, and remittances.
C:International settlement is a method of resolving disputes arising from international trade agreements.
D:International settlement refers to the process of exchanging currencies between two countries, primarily for trade purposes.
答案: 【International settlement encompasses all financial transactions between countries, including trade, investments, and remittances.】

2、多选题：
Which of the following statements accurately describe the evolution of international settlements from cash to non-cash methods? Select all that apply.
选项：
A:The evolution to non-cash settlements has led to increased transaction costs for international payments.
B:The use of blockchain technology has enhanced security and efficiency in non-cash settlements.
C:The introduction of electronic funds transfer (EFT) systems marked a significant shift away from cash transactions.
D:Non-cash settlements have reduced the need for physical currency in international trade.
E:Cash transactions are still the most preferred method for international settlements due to their simplicity.
答案: 【The use of blockchain technology has enhanced security and efficiency in non-cash settlements.;
The introduction of electronic funds transfer (EFT) systems marked a significant shift away from cash transactions.;
Non-cash settlements have reduced the need for physical currency in international trade.】

3、单选题：
Which of the following international conventions primarily governs the rules and procedures for the recognition and enforcement of foreign arbitral awards, and has been widely adopted by various countries?
选项：
A:The New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards
B:The Hague Convention on Choice of Court Agreements
C:The United Nations Convention on Contracts for the International Sale of Goods (CISG)
D:The UNCITRAL Model Law on International Commercial Arbitration
答案: 【The New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards】

4、判断题：
In direct settlement, payments are made directly between the parties involved without the mediation of banks.
选项：
A:对
B:错
答案: 【对】

5、单选题：
Which of the following best describes the role of banks in international settlement?
选项：
A:Banks have no significant role in international trade and transactions.
B:Banks facilitate international trade by providing foreign exchange services and ensuring secure transactions.
C:Banks only provide loans to businesses for international trade.
D:Banks act as intermediaries only in domestic transactions.
答案: 【Banks facilitate international trade by providing foreign exchange services and ensuring secure transactions.】

6、单选题：
What is the primary role of banks in international currency exchange?
选项：
A:To facilitate the conversion of currencies for global transactions.
B:To invest in foreign stocks for profit.
C:To provide loans to foreign governments.
D:To regulate currency values through government policy.
答案: 【To facilitate the conversion of currencies for global transactions.】

7、单选题：
Which of the following best describes a correspondent bank?
选项：
A:A bank that provides services on behalf of another bank, especially in international transactions.
B:A bank that primarily deals with personal banking services.
C:A bank that specializes in investment banking and capital markets.
D:A bank that accepts deposits from customers and provides loans.
答案: 【A bank that provides services on behalf of another bank, especially in international transactions.】

8、单选题：
Which of the following statements best describes the advantages of global clearing systems such as CHIPS, CHAPS, and SWIFT in facilitating international financial transactions?
选项：
A:They provide a standardized platform for transactions, which enhances the speed and efficiency of cross-border payments.
B:They create a centralized database of all transactions, ensuring complete privacy and anonymity for all parties involved.
C:These systems reduce the need for currency exchange, allowing for direct transactions in local currencies without any intermediary.
D:These systems eliminate all transaction fees associated with international transfers, making it cost-free for users.
答案: 【They provide a standardized platform for transactions, which enhances the speed and efficiency of cross-border payments.】

9、多选题：
What are the essential steps involved in establishing a correspondent banking relationship? Select all that apply.
选项：
A:Establish a marketing strategy to promote the services of the correspondent bank.
B:Sign a formal agreement outlining the terms and conditions of the relationship.
C:Conduct a thorough credit investigation of the potential correspondent bank.
D:Initiate a trial period of service before finalizing the relationship.
E:Ensure compliance with regulatory requirements in both jurisdictions.
答案: 【Sign a formal agreement outlining the terms and conditions of the relationship.;
Conduct a thorough credit investigation of the potential correspondent bank.;
Ensure compliance with regulatory requirements in both jurisdictions.】

10、判断题：
Depository banks accept deposits from customers and provide various types of accounts, while non-depository banks do not accept deposits but may provide services such as loans and investments. Therefore, the primary distinction between these two types of banks lies in their acceptance of deposits.
选项：
A:错
B:对
答案: 【对】

第二章 单元测试

1、单选题：
Which of the following statements best defines the essential elements required for a bill of exchange?
选项：
A:It must be signed by the drawer and contain an unconditional order to pay a fixed sum of money.
B:It must be issued only by government authorities and cannot be used in private transactions.
C:It is valid if it is written on any type of material, without the need for specific wording.
D:It can be issued without the need for a signature and does not need to specify the payment amount.
答案: 【It must be signed by the drawer and contain an unconditional order to pay a fixed sum of money.】

2、单选题：
Which of the following best describes an essential characteristic of a Bill of Exchange?
选项：
A:It must contain a conditional order from the drawer.
B:It can only be issued by banks.
C:It requires a signature only from the payee.
D:It is an unconditional order to pay a specified sum.
答案: 【It is an unconditional order to pay a specified sum.】

3、单选题：
In the context of a Bill of Exchange, which party is responsible for making the payment to the payee upon the acceptance of the bill?
选项：
A:Acceptor
B:Payee
C:Drawer
D:Drawee
答案: 【Acceptor】

4、判断题：
A bill of exchange must always include a date for it to be legally binding. This date indicates when the payment is due and is essential for the enforceability of the bill. Therefore, the absence of a date makes the bill void.
选项：
A:对
B:错
答案: 【错】

5、多选题：
In a bill of exchange, which of the following parties are directly involved in the transaction of the bill? Select all that apply.
选项：
A:Drawer
B:Endorser
C:Guarantor
D:Payee
E:Acceptor
F:Drawee
G:Endorsee
答案: 【Drawer;
Payee;
Acceptor;
Drawee】

6、单选题：
Which of the following best describes a blank endorsement?
选项：
A:An endorsement that restricts the use of the check for a specific purpose.
B:An endorsement that specifies a particular payee.
C:An endorsement that imposes certain conditions on the payment.
D:An endorsement that allows the holder to transfer the check to anyone.
答案: 【An endorsement that allows the holder to transfer the check to anyone.】

7、单选题：
Which of the following statements accurately describes an essential component of a promissory note?
选项：
A:A promissory note can be altered verbally after it is signed by the parties involved.
B:A promissory note must contain an unconditional promise to pay a specified amount of money.
C:A promissory note does not require a specific date for repayment to be legally binding.
D:A promissory note can only be issued by financial institutions.
答案: 【A promissory note must contain an unconditional promise to pay a specified amount of money.】

8、多选题：
Which of the following statements accurately describe the characteristics of a cheque? Select all that apply.
选项：
A:A cheque is an unconditional order to pay a specific sum.
B:A cheque can be drawn on any financial institution, not just a bank.
C:A cheque must specify the amount to be paid.
D:A cheque is payable on demand.
答案: 【A cheque is an unconditional order to pay a specific sum.;
A cheque must specify the amount to be paid.;
A cheque is payable on demand.】

9、单选题：
Which of the following statements correctly identifies the essential elements of a cheque and the parties involved?
选项：
A:The drawer is the person who writes the cheque, the drawee is the bank that pays the amount, and the payee is the person to whom the cheque is issued.
B:A cheque must include the signature of the payee and the bank's stamp.
C:All parties involved in a cheque must be present during the transaction for it to be valid.
D:A cheque requires a witness signature to be valid, and the drawee must be a national bank.
答案: 【The drawer is the person who writes the cheque, the drawee is the bank that pays the amount, and the payee is the person to whom the cheque is issued.】

10、判断题：
A cheque is essentially a type of bill of exchange that is always payable on demand.
选项：
A:对
B:错
答案: 【对】