Trắc nghiệm Thanh toán Quốc tế Tiếng Anh

A Payments are processed individually and settled continuously in real-time B Settlement relies on blockchain technology for all transactions C Only interbank transfers are allowed, not customer payments D Payments are batched and settled at the end of the business day

A Return the funds to the sender without further action B Block the payment and report it to the relevant regulatory authorities C Process the payment but flag it for future review D Contact the sending bank for clarification on the party's details

A D/P provides more risk to the exporter than D/A B D/P requires immediate payment for documents, while D/A requires acceptance of a time draft C D/P involves a bank guarantee, D/A does not D D/P is used for tangible goods, D/A for services

A To directly engage in retail banking services across borders B To facilitate international transactions for client banks in countries where they do not have a physical presence C To serve as an international regulatory body for cross-border payments D To provide a lending facility for small and medium-sized enterprises in foreign markets

A It guarantees payment from the importer's bank B It generally involves lower banking fees and less administrative complexity C It offers a higher level of payment security for the exporter D It allows the exporter to maintain ownership of goods until payment

A Open Account B Documentary Collection (D/A) C Confirmed Letter of Credit D Standby Letter of Credit

A It is a payment instruction to the importer's bank B It serves as a document of title, allowing the holder to claim the goods C It serves as proof of insurance coverage for the cargo D It specifies the incoterms under which goods are shipped

A Letter of Credit B Documentary Collection C Advance Payment D Open Account

A The World Bank B The Financial Action Task Force (FATF) C The International Monetary Fund (IMF) D The Bank for International Settlements (BIS)

A It refers to a collection where all documents are submitted digitally B It involves handling financial documents without accompanying commercial documents C It signifies that the collecting bank has guaranteed payment D It involves only commercial documents without any financial documents

A To provide a secure messaging system for financial institutions to exchange payment instructions B To act as a central clearing house for all international transactions C To directly transfer funds between banks globally D To regulate international banking laws and policies

A A documentary credit issuance B An interbank treasury transfer C A request for payment from an importer D A single customer credit transfer for an international payment

A The exchange rate agreed upon for a future transaction B The interest rate differential between two currencies C The average exchange rate over a specified period D The exchange rate for immediate delivery of a currency

A Pay the beneficiary, then seek reimbursement from the issuing bank B Immediately reject the documents and return them to the beneficiary C Inform the beneficiary of the discrepancies and seek their instructions D Unilaterally waive the discrepancies and forward the documents to the issuing bank

A Forfaiting is typically non-recourse for medium-to-long-term receivables, whereas factoring is often with recourse for short-term receivables B Factoring always requires a bank guarantee, forfaiting does not C Forfaiting is only available for domestic trade, factoring for international D Forfaiting finances short-term receivables, while factoring finances long-term ones

A By increasing transparency, reducing costs, and speeding up settlement times B By centralizing control of global payment flows under a single entity C By increasing the reliance on traditional correspondent banking networks D By requiring more manual intervention for cross-border transactions

A To prevent the financial system from being used for illegal activities like money laundering and terrorist financing B To ensure banks generate higher profits from cross-border transactions C To expedite the processing time of international wire transfers D To reduce foreign exchange rate volatility in global markets

A An increase in domestic interest rates B A decrease in the country's trade deficit C A significant increase in foreign direct investment into the country D A sudden increase in the country's inflation rate

A Credit risk B Foreign exchange risk C Country risk D Operational risk

A A currency swap agreement B A forward foreign exchange contract C A foreign exchange option to buy EUR D A spot foreign exchange transaction

A The issuing bank B The beneficiary (exporter) C The applicant (importer) D The advising bank

A Uniform Customs and Practice for Documentary Credits (UCP 600) B International Commercial Terms (Incoterms) C United Nations Convention on Contracts for the International Sale of Goods (CISG) D International Standby Practices (ISP98)

A The applicant (importer) B The issuing bank itself C The beneficiary (exporter) D The advising bank

A Open Account B Letter of Credit (Confirmed) C Advance Payment D Documentary Collection (D/P)

A To amend the LC terms as requested by the beneficiary B To pay the beneficiary upon presentation of compliant documents C To verify the authenticity of the LC and inform the beneficiary of its terms D To undertake to pay the beneficiary if the applicant defaults