2026年知到答案 国际结算（齐鲁工业大学） 最新知到智慧树满分章节测试答案

第一章 单元测试

1、 问题:

Which of the following statements best defines international settlement and its classifications?

选项：
A:

International settlement refers to the process of exchanging currencies between two countries, primarily for trade purposes.

B:

International settlement encompasses all financial transactions between countries, including trade, investments, and remittances.

C:

International settlement is limited to the transfer of goods across borders and does not involve any financial transactions.

D:

International settlement is a method of resolving disputes arising from international trade agreements.

答案: 【

International settlement encompasses all financial transactions between countries, including trade, investments, and remittances.

】

2、 问题:

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 introduction of electronic funds transfer (EFT) systems marked a significant shift away from cash transactions.

B:

Non-cash settlements have reduced the need for physical currency in international trade.

C:

Cash transactions are still the most preferred method for international settlements due to their simplicity.

D:

The use of blockchain technology has enhanced security and efficiency in non-cash settlements.

E:

The evolution to non-cash settlements has led to increased transaction costs for international payments.

答案: 【

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.

The use of blockchain technology has enhanced security and efficiency in non-cash settlements.

】

3、 问题:

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 Hague Convention on Choice of Court Agreements

B:

The United Nations Convention on Contracts for the International Sale of Goods (CISG)

C:

The New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards

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、 问题:

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、 问题:

Which of the following best describes the role of banks in international settlement?

选项：
A:

Banks only provide loans to businesses for international trade.

B:

Banks facilitate international trade by providing foreign exchange services and ensuring secure transactions.

C:

Banks act as intermediaries only in domestic transactions.

D:

Banks have no significant role in international trade and transactions.

答案: 【

Banks facilitate international trade by providing foreign exchange services and ensuring secure transactions.

】

6、 问题:

What is the primary role of banks in international currency exchange?

选项：
A:

To provide loans to foreign governments.

B:

To facilitate the conversion of currencies for global transactions.

C:

To regulate currency values through government policy.

D:

To invest in foreign stocks for profit.

答案: 【

To facilitate the conversion of currencies for global transactions.

】

7、 问题:

Which of the following best describes a correspondent bank?

选项：
A:

A bank that accepts deposits from customers and provides loans.

B:

A bank that provides services on behalf of another bank, especially in international transactions.

C:

A bank that specializes in investment banking and capital markets.

D:

A bank that primarily deals with personal banking services.

答案: 【

A bank that provides services on behalf of another bank, especially in international transactions.

】

8、 问题:

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:

These systems reduce the need for currency exchange, allowing for direct transactions in local currencies without any intermediary.

B:

They provide a standardized platform for transactions, which enhances the speed and efficiency of cross-border payments.

C:

These systems eliminate all transaction fees associated with international transfers, making it cost-free for users.

D:

They create a centralized database of all transactions, ensuring complete privacy and anonymity for all parties involved.

答案: 【

They provide a standardized platform for transactions, which enhances the speed and efficiency of cross-border payments.

】

9、 问题:

What are the essential steps involved in establishing a correspondent banking relationship? Select all that apply.

选项：
A:

Conduct a thorough credit investigation of the potential correspondent bank.

B:

Sign a formal agreement outlining the terms and conditions of the relationship.

C:

Establish a marketing strategy to promote the services of the correspondent bank.

D:

Ensure compliance with regulatory requirements in both jurisdictions.

E:

Initiate a trial period of service before finalizing the relationship.

答案: 【

Conduct a thorough credit investigation of the potential correspondent bank.

Sign a formal agreement outlining the terms and conditions of the relationship.

Ensure compliance with regulatory requirements in both jurisdictions.

】

10、 问题:

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:对
B:错
答案: 【
对
】

第二章 单元测试

1、 问题:

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 can be issued without the need for a signature and does not need to specify the payment amount.

C:

It must be issued only by government authorities and cannot be used in private transactions.

D:

It is valid if it is written on any type of material, without the need for specific wording.

答案: 【

It must be signed by the drawer and contain an unconditional order to pay a fixed sum of money.

】

2、 问题:

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 is an unconditional order to pay a specified sum.

C:

It requires a signature only from the payee.

D:

It can only be issued by banks.

答案: 【

It is an unconditional order to pay a specified sum.

】

3、 问题:

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:

Drawer

B:

Drawee

C:

Payee

D:

Acceptor

答案: 【

Acceptor

】

4、 问题:

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、 问题:

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:

Drawee

C:

Payee

D:

Acceptor

E:

Guarantor

F:

Endorser

G:

Endorsee

答案: 【

Drawer

Drawee

Payee

Acceptor

】

6、 问题:

Which of the following best describes a blank endorsement?

选项：
A:

An endorsement that specifies a particular payee.

B:

An endorsement that allows the holder to transfer the check to anyone.

C:

An endorsement that imposes certain conditions on the payment.

D:

An endorsement that restricts the use of the check for a specific purpose.

答案: 【

An endorsement that allows the holder to transfer the check to anyone.

】

7、 问题:

Which of the following statements accurately describes an essential component of a promissory note?

选项：
A:

A promissory note must contain an unconditional promise to pay a specified amount of money.

B:

A promissory note can be altered verbally after it is signed by the parties involved.

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、 问题:

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、 问题:

Which of the following statements correctly identifies the essential elements of a cheque and the parties involved?

选项：
A:

A cheque must include the signature of the payee and the bank’s stamp.

B:

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.

C:

A cheque requires a witness signature to be valid, and the drawee must be a national bank.

D:

All parties involved in a cheque must be present during the transaction for it to be valid.

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、 问题:

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
】

第三章 单元测试

1、 问题:

In the context of remittance, which of the following statements best describes the roles of the parties involved in the remittance process?

选项：
A:

The remitter is the person who receives the funds, while the beneficiary is the one who sends the funds through a bank.

B:

The remitting bank is responsible for processing the payment from the remitter to the beneficiary, and the paying bank is responsible for delivering the funds to the beneficiary.

C:

The paying bank is the entity that initiates the remittance transaction, while the remitter is the individual who facilitates the delivery of funds.

D:

The beneficiary identifies the remittance amount, while the remitter is the bank that processes the transaction.

答案: 【

The remitting bank is responsible for processing the payment from the remitter to the beneficiary, and the paying bank is responsible for delivering the funds to the beneficiary.

】