题目内容
（请给出正确答案）
提问人：网友15***739
发布时间：2022-01-06
[主观题]
he banks are only concerned with the documents representing the goods instead of the u
nderlying contracts.()
简答题官方参考答案
（由简答题聘请的专业题库老师提供的解答）
查看官方参考答案
网友您好，请在下方输入框内输入要搜索的题目：
搜题
题目内容
（请给出正确答案）
简答题官方参考答案
（由简答题聘请的专业题库老师提供的解答）
更多“he banks are only concerned with the documents representing the goods instead of the u”相关的问题
第1题
he banks are only concerned with the documents representing the goods instead of the uhe banks are only concerned with the documents representing the goods instead of the underlying contracts.（）
第2题
Documentary credits are separate transactions from the contract of sales with which thev a
re re1ated．In documentary credits【S1】ave concerned only with documents．and their decision whether or not to pay，accept or negotiate under a credit depends solely off whether the documents presented conform. to the terms and conditions in the 【S2】．When the beneficiary submits documents that contain discrepancies or errors，the banks will reject the documents and retum them to the 【S3】 for resubmission after corrections．Seen from a different perspective，even if the importer becomes bankrupt after the shipment，the beneficiary is entitled to payment by the issuing bank as long as he is able to present the correct【S4】stipulated in the credit．That banks deal only with documents and not performance of the【S5】is key to the operation of documentary credits．
点击查看答案
【S1】
A．sellers
B．buyers
C．banks
D．carders
第3题
Documentary credits are separate transactions from the contract of sales with which thev a
re re1ated．In documentary credits【S1】ave concerned only with documents．and their decision whether or not to pay，accept or negotiate under a credit depends solely off whether the documents presented conform. to the terms and conditions in the 【S2】．When the beneficiary submits documents that contain discrepancies or errors，the banks will reject the documents and retum them to the 【S3】 for resubmission after corrections．Seen from a different perspective，even if the importer becomes bankrupt after the shipment，the beneficiary is entitled to payment by the issuing bank as long as he is able to present the correct【S4】stipulated in the credit．That banks deal only with documents and not performance of the【S5】is key to the operation of documentary credits．
点击查看答案
【S1】
A．sellers
B．buyers
C．banks
D．carders
第4题
Read the following case of hasty generalization and identify the statement that can make t
he argument more convincing. Sven is visiting the United States on vacation. He goes into a bank to exchange money, and is surprised to find he is the only one in line. That night, he e-mails his family, “Banking is so much faster in America. You can go into any bank and never have to wait in line.”（单选）
点击查看答案
A、Sven should not merely exchange money at the bank, instead, he should do more banking business there.
B、Sven should go to more banks in the U.S. in order to justify his conclusion.
C、Sven should visit the U.S. frequently so that he could draw a more persuasive conclusion.
D、Sven should go to the bank with other people rather than go there alone.
第5题
根据以下资料回答 46～50 题 Documentary credits are separate transactions from the contra
根据以下资料回答 46～50 题
Documentary credits are separate transactions from the contract of sales with which they are related. In documentary credits(46 ) are concerned only with documents, and their decision whether or not to pay, accept or negotiate under a credit depends solely on whether the documents presented conform. to the terms and conditions in the (47 ). When the beneficiary submits documents that contain discrepancies or errors, the banks will reject the documents and return them to the(48 )for resubmission after corrections. Seen from a different perspective, even if the importer becomes bankrupt after the shipment, the beneficiary is entitled to payment by the issuing bank as long as he is able to present the correct (49 ) stipulated in the credit. That banks deal only with documents and not performance of the (50 )is key to the operation of documentary credits.
第 46 题
A．sellers
B．buyers
C．banks
D．carders
第6题
Checking accountsIn the United States, checking accounts are available only at commercial
Checking accounts
In the United States, checking accounts are available only at commercial banks. Commercial banks specialize in demand deposits, such as checking accounts. A checking account is money that a customer deposits in order to use that money to write checks. Saving accounts pay the depositor interest but checking accounts do not. In fact, checking account customers pay the bank a service charge for the bookkeeping involved in administering the account.
The method of recordkeeping is also different in savings accounts and checking accounts. A depositor must present his passbook for any savings account transaction. The bank records these transactions in the depositor's passbook. Checking account customers, however, do not have passbooks. They themselves record the amounts of the checks that they write and they receive a monthly statement from the bank. This statement lists all the checks that the bank paid and all deposits that the account holder made during the month. The bank usually sends the statements with the customer's cancelled checks. The customer then compares the balance on the statement with the balance in his own records by subtracting the total of his outstanding checks.
There are other fees that the bank may collect from checking account holders. For instance, banks charge a fee for stopping payment to a check. When a depositor decides that be doesn't want the bank to pay a payee, but he bas already written a check to that person, he may give the bank a stop payment order. The bank will then refuse to pay this check, and charges the depositor a fee. 'Banks also charge a depositor a fee when he is overdrawn. A depositor is overdrawn when he writes a check for more money than the balance in his account: The bank marks the check "insufficient funds", returns it, and charges a penalty for it. In everyday language we say that a check returned for insufficient funds has "bounced".
Recent changes in banking regulations have allowed savings banks to offer negotiable order of withdrawal accounts. These accounts, called N. O. W. accounts, are very similar to checking accounts but they pay interest like savings accounts. The depositor can write withdrawal orders against the balance in the account. These withdrawal orders look like checks, and depositors receive a monthly statement summarizing deposits and withdrawals. There is often no service charge if depositors keep a minimum balance in their accounts. Commercial banks also offer N. O. W. accounts.
As far as checking accounts go, the difference between savings banks and commercial banks is growing smaller in the U. S.
State whether each statement is true or false based on the reading.
Checking accounts are available at savings banks.
A．True
B．False
第7题
Keep an Eye on CEOsGovernment policy decisions could speed or slow the pace of rehabilitat
Keep an Eye on CEOs
Government policy decisions could speed or slow the pace of rehabilitation for the banks, and (31) turn, the stock market. David A. Hendler, a New York-based bank analyst at Credit-Sights, says his job has shifted from financial analysis toward Washington analysis. Essentially, his task is to figure (32) how quickly the government will permit weak banks to consolidate. When investors believe (33) know which banks will survive, they'll buy their stocks. The process is (34) critical to the stock market that Richard Bernstein, chief investment strategist at Merrill Lynch, is tracking six signposts for financial industry consolidation. Among them: the extent to which the government carves up and sells bad banks rather than buying into them to prop them (35) Other strategists are keeping a close eye on the people who really know what's happening in the economy: business leaders. Biderman says he'll know corporations are getting confident (36) they start buying back their own shares and acquiring other companies. Right now they show no such bravado. Announcements of share buybacks are down 90% from a year ago, leaving that market thermometer so cold that the mercury is off the scale.
In the end, the timing of the bear's retreat (37) likely hinge on that great market imponderable: psychology. How investors feel has a lot to do with (38) they start seeing mixed signals as proof of a glass half-full. "The market stress causes the analytical part of our brains to shut down, and that makes us hyperreactive (39) bad news, "says Michael A. Ervolini, CEO of Cabot Research, a consultancy catering to institutional investors. People become convinced conditions are worse than rock-bottom bad, he says. Only (40) they see that they've overacted can things improve: "We look for the market to start saying tomorrow will be brighter."
(31)
第8题
In 1904 A. P. Giannini became a board member of a San Francisco bank. He discovered that m
ost banks cared only for the wealthy, powerful, and well-born. The "little fellows" had to hide their savings under a mattress (床垫) and borrow from loan sharks at high rates. Yet A. P. knew these people were struggling to make something of their lives. A. P. argued with the banks directors to change their policies. They refused. So he stormed out saying, "Ill start my own bank!" And on October 17, 1904, Bank of Italy later renamed Bank of America opened its doors. According to Giannini, "There isnt any good reason why a bank should have the temperature of a fish market. When you walked into some of them you felt as if youd got into a funeral parlor. I think what I am most proud of is anything I may have done to help with the humaniza-tion of banking. " At first, bankers looked down their noses at "the baby bank" and its methods. They felt that going out to ask for new business was distasteful especially from immigrants, farmers, and wage-earners. But A. P. and bank employees went door-to-door explaining to people what a bank could do for them and inviting them to become customers. They did. And Bank of Italy grew. Said Giannini, "The old idea of a banker was that he must wear a silk hat and shut himself up in fancy quarters. He thought he couldnt ask for business. If business is worth having, its worth going after. It helps to get up earlier than your competitor, and to keep looking for new ways to do more good business. " A former bank vice-president remembers that "A. P. was always available. People would often come to his desk, just to say hello. " Recalls another bank employee: "He wanted to make sure the customer was always our boss, that we were working for the customer. "
点击查看答案
The term "loan sharks" (Line 3, Para. 1) refers to______.
A．people who lend money at illegal rates of interest
B．banks which care only for influential persons
C．banks which keep money for the poor but charge high fees
D．people who possess wealth and power
第9题
（Diversification of Risk through Financial Interme...
(Diversification of Risk through Financial Intermediation) In an economy, there are many independent and identically distributed projects, that is, each project requires $10m of investment and pays back in a year of either $15m with probability 90% or $0m (fails) with probability 10%, while the payout of each project does not depend on the payout of other projects. a) What is the expected rate of return on each project, what is the standard deviation of rate of return？ Note: The rate of return refers to net rate of return. b) Suppose a bank is to invest in two such projects, what is the payout structure of the investment？ That is, lay out the possible outcomes and the probability of each outcome. What is the mean and standard deviation of the rate of return on this investment？ c) What is the mean and standard deviation of the rate of return if a bank is to investment in N projects？ What happens if N goes to infinity (N→∞)？ d) Suppose the banks in this economy are competitive, what is maximu rate of return a bank can offer on the one-year fixed time deposit if the bank has sufficient fund to invest, i.e. N→∞ ？ e) If a risk averse investor has $10m and he can either invest in one project or buy the one-year Certificate Deposit (CD, fixed time deposit) with the maximum rate of return offered by the bank. He is risk averse, with expected utility function as , where is his consumption at the end of year 1 (the consumer may not know the value at the beginning of the year). Suppose he will only consume at the end of year one and will consume whatever he has at that time. At the beginning of the year, will he invest in CD or the project to maximize his expected utility？ f) Suppose the project in part a) is the only type of project in this economy, and a fund manager tell you that his fund can offer you an investment opportunity with promised return of 30% in a year and no risk. Would you want to invest？ Why and why not？
第10题
When anyone opens a current account at a bank, he is lending the bank money. He may （1)___
When anyone opens a current account at a bank, he is lending the bank money. He may (1)_____ the repayment of the money at any time, either (2)_____ cash or by drawing a check in favor of another person. (3)_____, the banker-customer relationship is that of debtor and creditor who is (4)_____ depending on whether the customer's account is (5)_____ credit or is overdrawn. But, in (6)_____ to that basically simple concept, the bank and its customer (7)_____ a large number of obligations to one another. Many of these obligations can give (8)_____ to problems and complications but a bank customer, unlike, say, a buyer of goods, cannot complain that the law is (9)_____ against him.
The bank must (10)_____ its customer's instructions, and not those of anyone else. (11)_____, for example, a customer opens an account, he instructs the bank to debit his account only in (12)_____ of checks drawn by himself. He gives the bank (13)_____ of his signature, and there is a very firm rule that the bank has no right or (14)_____ to pay out a customer's money (15)_____ a check on which its customer's signature has been (16)_____ It makes no difference that the forgery may have been a very (17)_____ one: the bank must recognize its customer's signature. For this reason there is no (18)_____ to the customer in the practice, (19)_____ by banks, of printing the customer's name on his checks. If this (20)_____ Forgery, it is the bank that will lose, not the customer.
A．acquire
B．deposit
C．demand
D．derive
