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Trang 1ENGLISH FOR FINANCE AND BANKING
1 A is a legal agreement in which a lender agrees to loan a certain amount
of money to a borrower, with the borrower agreeing to pay back the loan with interest a) Bond b) Stock c) Loan d) Equity
Answer: c) Loan
2 A is a financial instrument that represents a claim on part of the company's assets and earnings
a) Bond b) Stock c) Loan d) Equity
Answer: b) Stock
3 A is a financial ratio that measures a company's ability to pay its short-term debts
a) Current ratio b) Debt-to-equity ratio c) Return on equity d) Gross margin
Answer: a) Current ratio
4 A is a financial statement that provides a summary of a company's financial position at a specific point in time
a) Balance sheet b) Income statement c) Cash flow statement d) Annual report
Answer: a) Balance sheet
5 A is a financial market in which financial instruments with high liquidity and short maturities are traded
a) Primary market b) Secondary market c) Money market d) Capital market
Answer: c) Money market
6 A is a financial institution that helps companies and governments raise money by issuing and selling securities
a) Bank b) Stockbroker c) Insurance company d) Investment bank
Answer: d) Investment bank
7 A is an account that allows you to save money and earn interest on the deposited funds
a) Checking account b) Savings account c) Credit card account d) Money market account Answer: b) Savings account
Trang 28 A is an agreement between a lender and a borrower, in which the lender agrees to loan a certain amount of money at a fixed interest rate for a specific period of time
a) Revolving credit b) Installment loan c) Term loan d) Line of credit
Answer: c) Term loan
9 A is a financial market in which currencies are traded
a) Stock market b) Commodity market c) Foreign exchange market d) Real estate market Answer: c) Foreign exchange market
10 A is a financial measure of a company's profitability, calculated by dividing the company's net income by its total revenue
a) Return on assets b) Return on equity c) Net profit margin d) Gross margin
Answer: c) Net profit margin
11 A is a financial instrument that represents an ownership stake in a company
a) Bond b) Stock c) Loan d) Equity
Answer: b) Stock
12 A is a financial measure of a company's liquidity, calculated by dividing current assets by current liabilities
a) Current ratio b) Debt-to-equity ratio c) Return on equity d) Gross margin
Answer: a) Current ratio
13 A is a financial instrument that allows investors to borrow money to buy securities, usually with the added benefit of gaining leverage
a) Bond b) Stock c) Loan d) Margin account
Answer: d) Margin account
14 A is a financial statement that shows a company's revenues and expenses over a period of time
a) Balance sheet b) Income statement c) Cash flow statement d) Annual report
Answer: b) Income statement
15 A is a financial market in which new securities are issued to the public
Trang 3a) Primary market b) Secondary market c) Money market d) Capital market
Answer: a) Primary market
16 A is a financial institution that manages investments on behalf of clients a) Bank b) Stockbroker c) Insurance company d) Investment management firm
Answer: d) Investment management firm
17 A is a financial instrument that represents a claim on future cash flows from a project or an asset
a) Bond b) Stock c) Loan d) Revenue bond
Answer: a) Bond
18 A is an agreement between a lender and a borrower, in which the lender agrees to loan a certain amount of money at a variable interest rate, usually based on a benchmark interest rate
a) Revolving credit b) Installment loan c) Floating rate loan d) Line of credit
Answer: c) Floating rate loan
19 A is a financial market in which commodities are traded
a) Stock market b) Commodity market c) Foreign exchange market d) Real estate market Answer: b) Commodity market
20 A is a financial measure of a company's profitability, calculated by dividing the company's net income by its shareholders' equity
a) Return on assets b) Return on equity c) Net profit margin d) Gross margin
Answer: b) Return on equity
21 A is a financial agreement in which a lender agrees to loan a certain amount of money to a borrower, with the expectation of repayment with interest
a) Bond b) Stock c) Loan d) Equity
Answer: c) Loan
22 A is a financial market in which existing securities are bought and sold a) Primary market b) Secondary market c) Money market d) Capital market
Answer: b) Secondary market
Trang 423 A is a financial ratio that compares a company's total debt to its total assets
a) Debt-to-equity ratio b) Current ratio c) Return on assets d) Debt-to-assets ratio
Answer: d) Debt-to-assets ratio
24 A is a financial statement that shows a company's financial position at a specific point in time
a) Balance sheet b) Income statement c) Cash flow statement d) Annual report
Answer: a) Balance sheet
25 A is a financial instrument that represents an ownership interest in a company
a) Bond b) Stock c) Loan d) Equity
Answer: b) Stock
26 A is a financial institution that provides banking and financial services to customers
a) Stockbroker b) Investment management firm c) Bank d) Insurance company
Answer: c) Bank
27 A is a financial market in which currencies are bought and sold
a) Stock market b) Commodity market c) Foreign exchange market d) Real estate market Answer: c) Foreign exchange market
28 A is a financial agreement in which a borrower agrees to pay back a loan
in regular payments over a set period of time
a) Revolving credit b) Installment loan c) Floating rate loan d) Line of credit
Answer: b) Installment loan
29 A is a financial measure of a company's profitability, calculated by dividing the company's net income by its total revenues
a) Return on assets b) Return on equity c) Net profit margin d) Gross margin
Answer: c) Net profit margin
30 A is a financial instrument that represents a promise to pay back a certain amount of money to the holder on a specific date in the future
Trang 5a) Bond b) Stock c) Loan d) Equity
Answer: a) Bond
31 A is a financial instrument that represents a promise by the issuer to pay
a specific amount of money to the holder on a specified date, or on demand
a) Bond b) Stock c) Loan d) Equity
Answer: a) Bond
32 A is a financial market where currencies are bought and sold
a) Commodity market b) Foreign exchange market c) Stock market d) Money market Answer: b) Foreign exchange market
33 A is a financial statement that shows a company's revenues, expenses, and profits over a certain period of time
a) Balance sheet b) Income statement c) Cash flow statement d) Annual report
Answer: b) Income statement
34 A is a financial market where new securities are issued and sold to the public for the first time
a) Primary market b) Secondary market c) Money market d) Capital market
Answer: a) Primary market
35 A is a financial institution that offers a wide range of financial products and services, including savings and checking accounts, loans, and investments
a) Stockbroker b) Investment management firm c) Bank d) Insurance company
Answer: c) Bank
36 A is a financial measure of a company's ability to meet its short-term obligations, calculated by dividing its current assets by its current liabilities
a) Debt-to-equity ratio b) Current ratio c) Return on assets d) Debt-to-assets ratio
Answer: b) Current ratio
37 A is a financial agreement in which an investor agrees to lend money to
a borrower for a specified period of time, with the expectation of receiving interest payments and the return of the principal
a) Bond b) Stock c) Loan d) Deposits
Trang 6Answer: c) Loan
38 A is a financial market where commodities such as gold, oil, and agricultural products are bought and sold
a) Stock market b) Commodity market c) Foreign exchange market d) Real estate market Answer: b) Commodity market
39 A is a financial ratio that measures a company's profitability, calculated
by dividing its net income by its shareholders' equity
a) Return on assets b) Return on equity c) Net profit margin d) Gross margin
Answer: b) Return on equity
40 A is a financial institution that specializes in buying and selling securities such as stocks, bonds, and mutual funds
a) Stockbroker b) Investment management firm c) Bank d) Insurance company
Answer: a) Stockbroker
41 A is a financial contract between an insurance company and an individual or organization, where the insurer agrees to pay a specified amount of money
in the event of a specified loss
a) Bond b) Stock c) Loan d) Insurance policy
Answer: d) Insurance policy
42 A is a financial tool used to manage risk by spreading investments across different types of assets or securities
a) Hedge fund b) Diversification c) Mutual fund d) Derivative
Answer: b) Diversification
43 A is a financial statement that shows a company's financial position at a specific point in time, including its assets, liabilities, and shareholders' equity
a) Balance sheet b) Income statement c) Cash flow statement d) Annual report
Answer: a) Balance sheet
44 A is a financial market where financial instruments such as currencies, commodities, and derivatives are bought and sold
a) Primary market b) Secondary market c) Money market d) Foreign exchange market
Trang 7Answer: d) Foreign exchange market
45 A is a financial institution that provides short-term loans to businesses and individuals, typically secured by collateral such as real estate or inventory
a) Stockbroker b) Commercial bank c) Savings and loan association d) Hedge fund
Answer: c) Savings and loan association
46 A is a financial ratio that measures a company's ability to generate profits from its operations, calculated by dividing its net income by its sales revenue a) Debt-to-equity ratio b) Current ratio c) Return on assets d) Net profit margin
Answer: d) Net profit margin
47 A is a financial market where stocks, bonds, and other securities are bought and sold
a) Stock market b) Commodity market c) Foreign exchange market d) Real estate market Answer: a) Stock market
48 A is a financial ratio that measures a company's ability to meet its long-term debt obligations, calculated by dividing its long-long-term debt by its shareholders' equity
a) Return on assets b) Return on equity c) Debt-to-equity ratio d) Gross margin
Answer: c) Debt-to-equity ratio
49 A is a financial institution that specializes in managing investment portfolios for individuals and organizations
a) Stockbroker b) Investment management firm c) Bank d) Insurance company
Answer: b) Investment management firm
50 A is a financial instrument that represents a claim on a specific underlying asset or pool of assets
a) Bond b) Stock c) Mutual fund d) Derivative
Answer: a) Bond
51 A is a financial market where long-term debt securities such as bonds are bought and sold
a) Stock market b) Foreign exchange market c) Money market d) Bond market
Trang 8Answer: d) Bond market
52 A is a financial institution that acts as a intermediary between borrowers and lenders, connecting borrowers who need loans with investors who have capital to lend
a) Commercial bank b) Credit union c) Investment bank d) Peer-to-peer lending platform Answer: c) Investment bank
53 A is a financial contract in which the buyer agrees to pay a fixed price for a specified quantity of an underlying asset at a specified future date
a) Forward contract b) Futures contract c) Option contract d) Swap contract
Answer: b) Futures contract
54 A is a financial tool that allows an investor to bet on the price movements of an underlying asset without actually owning the asset
a) ETF b) Mutual fund c) Derivative d) Bond
Answer: c) Derivative
55 A is a financial statement that shows a company's revenues, expenses, and profits over a specific period of time, such as a quarter or a year
a) Balance sheet b) Income statement c) Cash flow statement d) Annual report
Answer: b) Income statement
56 A is a financial ratio that measures a company's ability to generate profits from its shareholders' equity, calculated by dividing its net income by its shareholders' equity
a) Return on assets b) Return on equity c) Debt-to-equity ratio d) Gross margin
Answer: b) Return on equity
57 A is a financial institution that offers various financial products and services to consumers, such as checking and savings accounts, loans, and credit cards a) Stockbroker b) Investment bank c) Commercial bank d) Insurance company
Answer: c) Commercial bank
58 A is a financial market where financial instruments such as currencies, commodities, and derivatives are bought and sold for immediate delivery
Trang 9a) Primary market b) Secondary market c) Money market d) Foreign exchange market Answer: c) Money market
59 A is a document that shows the details of a loan, including the interest rate, repayment schedule, and the borrower's creditworthiness
a) Balance sheet b) Credit report c) Loan agreement d) Income statement
Answer: c) Loan agreement
60 A is a financial market where short-term debt securities such as government bonds and commercial paper are bought and sold
a) Stock market b) Foreign exchange market c) Money market d) Bond market
Answer: c) Money market
61 A is a financial instrument that allows an investor to buy shares of stock
in a company at a reduced price, usually in exchange for a commitment to hold the shares for a certain period of time
a) Stock option b) Stock warrant c) Stock right d) Stock split
Answer: b) Stock warrant
62 A is a financial market where short-term debt instruments, such as Treasury bills, are bought and sold
a) Stock market b) Foreign exchange market c) Money market d) Derivatives market Answer: c) Money market
63 A is a financial contract in which two parties agree to exchange cash flows at specified intervals, usually based on a specific underlying asset or index
a) Forward contract b) Futures contract c) Swap contract d) Option contract
Answer: c) Swap contract
64 A is a financial tool that allows an investor to gain exposure to a diversified portfolio of assets by buying shares in a single fund that holds a variety of different securities
a) ETF b) Mutual fund c) Derivative d) Bond
Answer: b) Mutual fund
Trang 1065 A is a financial ratio that measures a company's ability to pay off its short-term liabilities with its short-term assets, calculated by dividing its current assets by its current liabilities
a) Return on assets b) Return on equity c) Current ratio d) Gross margin
Answer: c) Current ratio
66 A is a financial institution that acts as an intermediary between buyers and sellers of stocks, bonds, and other securities
a) Stockbroker b) Investment bank c) Commercial bank d) Insurance company
Answer: a) Stockbroker
67 A is a financial market where securities such as stocks and bonds are bought and sold after they have been initially offered to the public through an initial public offering (IPO)
a) Primary market b) Secondary market c) Money market d) Foreign exchange market Answer: b) Secondary market
68 A is a financial tool that allows an investor to limit the amount of downside risk they take on by purchasing an option to sell an asset at a certain price a) Put option b) Call option c) Forward contract d) Swap contract
Answer: a) Put option
69 A is a financial ratio that measures a company's ability to pay off its long-term debt obligations, calculated by dividing its earnings before interest and taxes
by its total debt
a) Times interest earned ratio b) Debt-to-equity ratio c) Current ratio d) Gross margin Answer: a) Times interest earned ratio
70 A is a financial market where currencies from different countries are bought and sold
a) Foreign exchange market b) Money market c) Stock market d) Bond market
Answer: a) Foreign exchange market