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A. telegraphic transfer B. demand draft
C. banker’s draft D. mail transfer
15. How much is the handling commission for sending a cable transfer abroad? _____B___.
A. 7.5‰ of the total remittance amount
B. 1‰ of the total remittance amount
C. 0.5‰ of the total remittance amount
D. 3‰ of the total remittance amount
16. When cashing foreign traveler’s checks, Bank of China will deduct a fee of ____B____ from the face value of the checks.
A. 7.5% B. 7.5‰
C. 3% D. 3‰
17. Bank of China provides the personal housing mortgage loan in ____A____.
A. Chinese yuan B. Euro
C. British pound D. Japanese yen
18. Telephone banking provides clients with financial services such as ____D____, etc.
I. account balance inquiry
II. transfer and remittance
III. bill payment
IV. investment
A. I, II B. I, II & IV
C. I, II & III D. I, II, III & IV
19. “How will you ____A___ the loan, in cash or through your account?” the loan officer asked the client.
A. repay B. apply for
C. extend D. cancel
20. Clients can pay their insurance ___A_____ through bank current accounts.
A. premium B. dividend
C. policy D. bonus
21. “If you want to withdraw the fixed deposit before maturity, you will not receive
____C____.”, a bank clerk said to a client.
A. the benchmark rate B. the SHIBOR rate
C. the time deposit interest rate D. the lending rate
22. If a client wants to transfer Renminbi from his local BOC account to his local ICBC account, he can make it _____A___.
A. through BOC online banking
B. through the BOC ATM
C. with a commercial draft
D. through BOC telephone banking
23. When logging in to the Personal Internet Banking provided by Bank of China, the user should not only input his user name and password, but also a ____B_____ generated by the Security Device to ensure that his information is being protected by one of the most sophisticated online security systems.
A. test key code B. random security code
C. bank code D. SWIFT code
24. In order to convert the unused RMB back into the original foreign currency, a foreigner should keep ____B_____.
A. the denomination memo B. the exchange memo
C. the purchase agreement of T/C D. the foreign coins
25. SWIFT stands for ____A____.
A. Society for Worldwide Interbank Financial Telecommunications
B. Society for World International Financial Telecommunications
C. Society for World Interbank Financial Telex
D. Society for Worldwide Interbank Financial Telex
26. Which one of the following traveler’s checks can not be accepted by Bank of China? _____D____.
A. VISA traveler’s checks B. MasterCard traveler’s checks
C. American Express traveler’s checks D. DB traveler’s checks
27. ____A___ is a professional service which is the combination of financial and investment advice, accounting and tax services, and legal and estate planning.
A. Wealth management B. Fund allocation
C. Treasury bills trading D. Insurance coverage
28. There is a(n) ____A____ for obtaining a BOC debit card.
A. annual fee B. stamp tax
C. online charge D. redemption fee
29. In order to apply for a BOC Great Wall debit card, a foreign customer needs to
___A_____.
A. present his valid passport
B. ask for a guarantor
C. make a collateral
D. register as a BOC online banking user
30. According to the credit grades, credit cards can be classified into ____C____.
A. personal cards and corporate cards B. VISA cards and MasterCards
C. gold cards and classic cards D. debit cards and credit cards
31. Which one of the following items could be used as financial proof for credit card application? ____D____.
A. An income certificate for the past three months
B. Local bills payment slips for gas, water and power
C. A certificate of a local real estate
D. All of the above
32. The line of credit of the BOC Great Wall credit card will be granted to the applicant by ____A____.
A. the BOC credit card center
B. the China Unionpay
C. the international credit card center
D. the international authorization center
33. ____D_____ are the illegally copied banknotes.
A. Forged notes B. Fake notes
C. Counterfeit notes D. All of the above
34. Bank account inquiry can be made ____D___.
I. on self-service banking terminals
II. over the bank counter
III. through telephone banking
IV. through online banking
V. through mobile banking
A. II & III B. II, III & IV
C. I, II, III & V D. I, II, III, IV & V
35. The verb “____A____” mentioned above means “write your name on the back of a check so that it can be paid into a bank account”.
A. endorse B. countersign
C. autograph D. seal
36. The service hour of BOC telephone banking is ____A____.
A. round the clock B. from 8:30—24:00
C. from 4:00-24:00 D. from 9:00—18:00
37. Bank of China offers RMB mortgage loan for residential property with loan term up to ____D___ years.
A. 15 B. 20
C. 25 D. 30
38. The verb “____C____” means “prevent money in a bank account from being used”.
A. authorize B. allocate
C. freeze D. subscribe
39. I have lost my savings passbook. Would you please help me check ___D______ my money is still here？
A. that B. which
C. what D. whether
40. I really appreciated ______D_____ the time to talk to me.
A. you take B. you to take
C. for you to take D. your taking
Section Two: True/False questions (10 minutes) 20 Marks
Direction: Decide whether the following statements are True (T) or False (F).
1. ( T) A check itself is not money but a form of money included in the money supply.
2. ( T ) All of the documents required by our bank should be stamped with your corporate seals when your company applies for opening an account.
3. ( F ) The minimum amount for the initial deposit of the RMB call deposit should be RMB10,000.
4. (T ) Cash withdrawals, such as salaries and bonuses, can only be conducted through a company’s basic account.
5. ( T ) When you did not hear what a customer said, you could say：“Would you mind repeating your question？”
6. ( F ) As for the safe deposit box service, our bank only provides a type of monthly rental business.
7. ( T ) The auto-payment means that a bank can transfer the money from a customer’s current account to his credit card to make payment at the due date.
8. ( F ) You can not use the credit card to overdraw money from the ATM.
9. ( T ) Our bank offers the loan in both local currency and foreign currency.
10. ( F ) In terms of time for payment, L/C can be classified into sight credit, deferred payment credit, acceptance credit and negotiation credit.
1. A ____A____ deposit is characterized by an unfixed depositing term.
A. current B. fixed
C. time D. term
2. The word “extend” in the sentence “The contract will be extended automatically.” means ___A____.
A. continue B. replace
C. fall due D. expire
3. Which one of the following certificates is needed for opening a corporate deposit account? ___A_____.
A. A business license B. A driving license
C. A social security card D. A resident registration booklet
4. Would you like to continue the time deposit upon ____D_____?
A. authorization B. notification
C. delivery D. maturity
5. Foreign-currency time deposits provided by BOC are available in a range of foreign currencies, including US dollar, British pound, Euro, Japanese yen, Hong Kong dollar, Canadian dollar, ____B____, Australian dollar and Singapore dollar.
A. Indian rupee B. Swiss Franc
C. Argentine peso D. Chinese renminbi
6. The initial deposit amount for the seven-day RMB notice deposit should be ____C____.
A. 10,000 yuan B. 30,000 yuan
C. 50,000 yuan D. 100,000 yuan
7. The interest of RMB current deposit is calculated on the ___D_____ every year.
A. 20th of every month B. 20th of every quarter
C. 30th of every quarter D. 20th of the last month of each quarter
8. The denominations of Euro are ___C_____.
A. 5,10,50,100,200,500 B. 1,5,10,20,50,100,200,500
C. 5,10,20,50,100,200,500 D. 5,10,20,50,100,200,500,1000
9. A ___B_____ is a bank that maintains an account relationship with the originating bank to provide some kinds of service because the originating bank does not have a physical presence in that location.
A. collecting bank B. correspondent bank
C. remitting bank D. paying bank
10. A draft which is payable on a future date is called _____C____.
A. a demand draft B. a sight draft
C. a term draft D. both A and B
11. When the cardholder overdraws cash with the BOC RMB credit card, a fee will be charged at the rate of ___C_____.
A. 0.03% per month B. 0.3% per month
C. 0.05% per day D. 0.5% per day
12. The interest rate of the mortgage loan shall be variable with the rate published by ____B____.
A. the Bank of China B. the People’s Bank of China
C. the SAFE D. the World Bank
13. Bill Payment Service of BOC telephone banking helps clients pay and inquire for various expenses EXCEPT ____B____.
A. phone bills B. train tickets
C. gas fees D. water and electricity
14. Personal loans offer credit to finance ____D_____.
I. the purchase of automobiles,
II. the purchase of residential property,
III. the purchase of inventories for businesses,
IV. the payrolls for businesses
A. I & II B. I, II & III
C. I, II, IV D. I, II, III & IV
15. “If you want to make a cash withdrawal of more than ______B____, please give us a notice in advance.”, a bank clerk said to a client.
A. USD 1,000 B. USD 5,000
C. USD 3,000 D. USD 10,000
16. “Can you help me _____B_____ my passbook on this machine?”, a client asked a bank clerk.
A. balance B. update
C. deposit D. convert
17. The issuers of traveler’s checks are _____A_____.
A. American Express B. Thomas Cook
C. Citibank D. all of the above
18. “Please fill in the form in duplicate.” The expression “in duplicate” mentioned above refers to _____A_____.
A. in two copies B. in three copies
C. in four copies D. In five copies
19. Which one of the following grades of term is NOT for an RMB fixed deposit in BOC? _____A_____.
A. One month B. Six months
C. One year D. Five years
20. “Once we get the remittance, we will _____C_____ the funds to the designated account for you.”, a bank clerk said to a client.
A. deduct B. debit
C. credit D. discount
21. The bank will make collection of the traveler’s check if ____D______.
A. the T/C is fake
B. the T/C has no original signature
C. the T/C is counterfeit
D. the total amount for cashing is beyond the limit
22. BOC telephone banking offers the following information EXCEPT ______B____.
A. the RMB deposit rates B. the overseas stock index
C. the foreign exchange rates D. the treasury bond prices
23. When logging in to the Personal Internet Banking provided by Bank of China, the user should not only input his user name and password, but also a ____B______ generated by the Security Device to ensure that his information is being protected by one of the most sophisticated online security systems.
A. test key code B. random security code
C. bank code D. SWIFT code
24. Which one of the following international credit cards can be accepted by Bank of China? _____D_____.
I .Diner Card
II.VISA Card
III .Master Card
IV .American Express Card
V .JCB Card
A. I II B. I,II & III
D. I,II & IV D. I, II, III, IV & V
25. Which one of the following organizations is a Chinese bankcard organization? _____C_____.
A. VISA B. JCB
C. China UnionPay D. DINERS
26. A _____D_____ is a report released (on a fixed date every month) by banks that lists deposits, withdrawals, checks paid, interest earned, and service charges or penalties incurred on an account.
A. penalty statement B. fee statement
C. financial statement D. bank statement
27. The card issuing bank will set ______B____ for the credit card on the basis of the material provided by the applicants.
A. the principal B. the credit limit
C. the principal and interest in full D. the initial deposit
28. A ____B______ is a card which allows customers to access their funds immediately and electronically without any credit borrowing function.
A. credit card B. debit card
C. international credit card D. quasi-credit card
29. Which one of the following descriptions is NOT correct? ______B____.
A. “KRW” stands for Korean Won. B. “PHP” stands for Philippine Pound.
C. “SEK” stands for Swedish Krona. D. “THB” stands for Thai Baht.
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