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đề thi anh văn toeic

TRƯỜNG ĐẠI HỌC NGÂN HÀNG TP HCM
KHOA NGOẠI NGỮ
BỘ MÔN TIẾNG ANH KHÔNG CHUYÊN

ENGLISH FOR BANKING AND FINANCE
FINAL TEST
Duration: 60 minutes
Part A. Vocabulary (15 pts)
Match the words with the correct definitions. (10 pts)

I.
1.
2.
3.
4.

dispenser
cashier
withdrawal
balance


a)
b)
c)
d)

5. deposit
6. cheque
7. credit
8. debit
9. cash
10. teller

1.
6.

e)
f)
g)
h)
i)
j)

The remaining amount of money in an account
Money paid into a bank
An amount of money in an account
Note to a bank asking it to pay money from your account to a named
person or business
Money in the form of bank notes and coins
An amount of money deducted from an account
The removal of money from an account
A machine or person who counts out money
A container designed to give out money in regulated amounts
A clerk who pays out and receives cash at a bank

2.
7.

3.
8.


4.
9.

5.
10.

Fill in the blank with the correct form of the words given in brackets. (5 points)

II.

A portfolio is a _______________

1.

(combine) of different types of investments. It can include bank

accounts, bonds, property, shares, mutual funds or any other type of investment. _______________
(invest) use portfolios to _______________

3.

(minimum) risk. They may _______________

4.

2.

(loss)

money in one area, but can make a profit in another. Spreading risk by including many different types of
investment in a portfolio is called _______________ 5. (diversity)
1.
4.

2.
5.

Page 1

3.


Part B. Structures (15 pts)
Choose the best alternatives to complete the sentences.
1. Customers can pay…………….goods or services …………….cheque.
A. for / by
B. with / in
C. to / through
2. With a bank card, the customer’s bank guarantees to payment…………….a limit, say £50 or £100.
A. up

B. up to

C. in

3. “Mr Benson is on the phone for you.” “Can you tell him I _____ him back later, please?”
A. call
B. will call
C. am going to call
4. In Britain the clearing system is operated ……………. the Clearing House in London.
A. in

B. at

C. with

5. If your portfolio is diversified, you have better ……………. of making a profit.
A. goals
B. changes
6. Each cheque is fed…………….a machine.

C. chances

A. into
B. by
C. on
7. The payee’s bank also prints the amount of the cheque in magnetic ink…………….the bottom.
A. on
B. along
8. “Banks are well equipped to………………these problems.

C. in

A. handle
B. take
9. We need the money to………………production.

C. settle

A. pay
B. finance
10. Companies have to………………extra staff.

C. cash

A. work
B. manage
11. They also have to ……………. competition.

C. employ

A. defeat

B. fight

C. battle

12. Payment…………….some form of non-cash instrument is very common.
A. by

B. through

C. in

13. Unfortunately, the price of staple items is ……………..
A. falling
B. rising
C. rasing
14. If everything is acceptable the computer …………….. payment to the Central Switch.
A. guarantee

1.
6.
11.

B. authorizes

2.
7.
12.

3.
8.
13.
Page 2

C. checks

4.
9.
14.

5.
10.
15.


15. ‘What are Pilar’s plans for the future?’ ‘She _____ an accountant when she leaves college.’

Part C. Reading Comprehension (20 pts)
I. Read the text below and then write T or F for each the statements that follow. (10 pts)
TRADE DEBT
Most businesses rely on giving credit to their customers. This is especially true in a free market where
there are many suppliers competing to supply one product or service. These businesses have to fight
competition to get sales. If their competitors are providing credit, they have to provide it as well. They
may not want to give credit but, when faced with the choice between making a sale with credit and
not making a sale, they will prefer to give credit. Competition forces suppliers to provide credit for
their customers.
This situation gives rise to the problem of debt collection. A customer may pay a trade debt at the end
of the credit period, say one month, or delay payment for as long as possible. Such a situation is
harmful to the suppliers. They may find themselves financing their customers’ production. This is
very expensive in times of high interest rate because their customers are using money on which the
suppliers have to pay interest. Also the suppliers may need the money to finance their own
production. In addition, they have to employ extra staff to send out second invoices and reminders.
1. The suppliers are always ready to give credit to their customers. ____
2.

Debts will be paid immediately at the end of the credit period. ____

3. Interest is not the only cost that the suppliers have to face with. ____
4. There are permanent officer for collecting debts. ____
5. Giving credit may help increase sale. ____

II. Read this email and answer the questions. (10 pts)
To: Jane White
From: Pierre Bernard
Re: Alan’s visit to Paris

Page 3


Dear Jane
I am writing to confirm some of the details of Alan’s trip to Paris next week. He is arriving at
10.30 on Monday morning and I will meet him at the airport and take him to his hotel, the Hotel
de Varenne in the Rue de Bourgogne. The schedule for Monday is as follows:
1 pm: lunch at La Ferme Saint-Simon
3 pm: meeting with Jean Dulac at IPC
8 pm: dinner with me and Marie Moreau
On Tuesday morning we are taking him to visit the factory in Massy. We will have lunch there
and then drive him to the airport in time for his flight back to London.
Please let me know if you need any further information.
Best wishes
Pierre

1

When is Alan flying to Paris?
________________________________________________________________________

2

Who is meeting him at the airport?
________________________________________________________________________

3

Where is he staying?
________________________________________________________________________

4

What is he going to do after lunch on Monday?
________________________________________________________________________

5

Who is he having dinner with on Monday night?
________________________________________________________________________

Page 4


Part D. Translation (10 pts)
I. Vietnamese – English Translation (6 pts)
1. Ở Anh, người ta thường dùng tiền mặt trong những vụ mua bán nhỏ lẻ vì thế các nhà băng không phải
giữ nhiều tiền mặt cho lưu thông.
____________________________________________________________________________________
____________________________________________________________________________________
__
2. Trước đây, chuyển tiền điện tín là phương thức nhanh nhất để gửi tiền từ quốc gia này đến quốc
gia khác nhưng lại tốn kém nhất.
____________________________________________________________________________________
____________________________________________________________________________________
__
II. English – Vietnamese Translation (4 pts)
1. The advantages of direct debit are mainly to the originator rather than to the account holder.

____________________________________________________________________________________
________________________________________________________________________________
2. Factoring is suitable for a wide range of service and manufacturing industries, but it is best if each

customer does not produce too wide a range of products or services.
____________________________________________________________________________________
________________________________________________________________________________

Page 5



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