K TON NGN HNG

Cu 1: Khi pht hin c sai lm trong s i chiu do trung tm kim sot gi ti

ngn hng B phi lm g?
A) Vit cng vn hi li trung tm.
B) Lp bng k lin hng sai lm theo s liu ca trung tm v km cng vn gi i.
C) Lp bng k chng t hch ton vo ti khon lin hng sai lm v gi th tra sot ti trung
tm.
D)

Lp bng k lin hng sai lm lm chng t hch ton vo ti khon lin hng sai lm. Gi

bn k cho Trung tm kim sot.

Cu 2: Kim tra, kim sot trc, trong khi v sau khi cho vay nhm mc tiu g?--->
An ton vn v nhm thc hin cc nguyn tc tn dng
Cu s 59 Hy ch thch s cho thu ti chnh c 3 bn tham gia
A) (1) Tr tin thu, (2) k hp ng mau ti sn, (3) giao ti sn, (4) thanh l hp ng, (5)
tr tin, (6) tr tin thu tng nh k.
B) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn, (3) Tr tin, (4) tr tin mau
ti sn, (5) Bo hnh ti sn, (6) tr n.
C) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn cho thu, (3) k hp ng
k thut, (4) bn giao quyn s hu ti sn, (5) tr tin mua ti sn, (6) chuyn giao ti sn
cho ngi thu, (7) chuyn giao quyn s dng ti sn cho ngi thu, (8) nh k tr tin thu ti
chnh.
D) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn cho thu, (3) giao ti sn,
(4) Thanh l hp ng, (5) tr tin mua ti sn, (6) tr tin thu theo nh k.
Cu 3: Sau khi nhn c lnh chuyn N c u quyn (qua chuyn tin in t) nhng trn ti khon ca ngi phi nhn n khng c tin, th NH B phi lm g?
A) Hch ton cho ngi phi nhn N
B) Hch ton N TK tin gi ngi phi nhn N, C TK 5112
C) Hch ton N TK 5113 ch x l, C TK 5112 v bo cho khch hng np tin thanh ton.
D) Hch ton vo cc TK thch hp, chuyn in i trung tm thanh ton
Cu 4: Hy phn bit th thc thanh ton v phng thc thanh ton .
A) Phng thc thanh ton l thanh ton tin mt, th thc thanh ton l thanh ton chuyn
khon
B) Phng thc thanh ton tn ti ngoi ngn hng, th thc thanh ton l thanh ton qua
ngn hng. Mi th thc u c cc k thut nghip v ring thc hin.
C) Phng thc thanh ton l phng php, cch thc thanh ton do cc doanh nghip hoc c
nhn tho thun vi nhau; th thc thanh ton l nhng hnh thc c th, c th ch ho
bng cc vn bn php qui.
D) Phng thc thanh ton khng c ngn hng phc v, th thc thanh ton c ngn hng
phc v

Cu 5: V th tc cho vay theo ti khon n gin thng thng khc cho vay theo
lun chuyn th no?
A) Cho vay n gin, mi mn vay khch hng phi lm n xin vay; cho vay theo lun
chuyn khng lm n xin vay.
B) Cho vay n gin, khch hng phi lm kh c tng mn vay; cho vay lun chuyn khng
lm kh c.
C) Cho vay n gin khch hng lm giy ngh vay cho tng mn vay, c lnh tin
mt; cho vay lun chuyn lm giy ngh vay c nm, k hp ng tn dng, khng c
lnh tin mt.
D) Cho vay n gin khch hng phi lm giy ngh vay cho tng mn vay; cho vay
lun chuyn lm giy ngh vay tng nh k v k hp ng tn dng.
Cu 6: Chit khu thng phiu l g?
A) L vic ngn hng thng mi mua thng phiu ca ngi th hng trc khi thng phiu
n hn thanh ton, theo gi tr thun bng mnh gi tr chit khu v hoa hng
B) L loi hnh nghip v tn dng ngn hn ca ngn hng, bng hnh thc mua li ca thng phiu
C) L k thut cp tn dng, trong ngn hng nhn quyn i n ngi b k pht v ng
tin cho ngi th hng thng phiu
D) L vic mua thng phiu cha n hn thanh ton hng li sut chit khu v hoa hng
Cu 7: Khi cho vay thng thng tng mn, ngn hng qun l (khng ch) ch tiu
no?
A) D n cui k
B) Doanh s thu n
C) Thi hn cho vay
D) Doanh s (mc) cho vay
Cu 8: Ai c quyn quyt nh khoanh n ti khon vay ti ngn hng thng mi
quc doanh
A) Gim c ngn hng ni cho vay
B) Tng gim c cp trn ca ngn hng cho vay
C) Th tng Chnh ph
D) Thng c ngn hng nh nc
Cu 9: Cc ngun vn ca ngn hng thng mi, ngun no l ch yu v chim t
trng ln nht?
A) Vn huy ng
B) Vn lin doanh lin kt
C) Vn vay ca cc ngn hng bn trong nc v vay nc ngoi
D) Vn ch s hu, c phn, Nh nc cp
Cu 10: Sc chuyn khon khc sc bo chi nh th no?

A) Sc chuyn khon khng c lnh tin mt, sc bo chi c lnh tin mt

B) Sc chuyn khon thanh ton qua mt hay hai ngn hng, sc bo chi thanh ton qua
nhiu ngn hng
C) Sc chuyn khon khng m bo c thanh ton ngay khi pht hnh qa s d, sc bo
chi do ngn hng pht hnh nn m bo chc chn c thanh ton
D) Sc chuyn khon khc sc bo chi v mu sc, mu m, k hiu.
Cu 11: Cng ty Thnh thi c ti khon ti NH Cng thng ng a, lp mt UNT 50
triu ng i tin cng ty Hng H c ti khon ti NH nng nghip Thanh Xun.
Hai NH ny tham gia thanh ton b tr .
A) Ghi n TK cng ty Hng H :

NH Cng thng ng a hch ton nh th no?

50 tr

Ghi n TK cng ty Thnh Thi : 50 tr

B)

Ghi n TK Cng ty Thnh Thi : 50 tr

Chuyn 2 lin UNT cho NH nng nghip Thanh xun

C) Chuyn 3 lin UNT sang NH Nng nghip Thanh Xun. Khi c NH nng nghip Thanh
Xun thanh ton, NH ng a nghi:
N TK 5012: 50 tr
C TK cng ty Thnh Thi: 50 tr
D) Ghi n TK 5211: 50 tr
C TK cng ty Hng H : 50 tr
Cu 12: Nguyn tc no ca k ton ngn hng nhm p ng cho cng tc kim
tra d dng?
A) Kp thi, cp nht. To iu kin cho ngi hng c vn hot ng.
B) Khng ghi nhiu n, nhiu c. Ch ghi 1 n, nhiu c hoc 1 c, nhiu n.
C) Chnh xc cao, kim sot c hot ng ca Doanh nghip.
D) Ghi n trc, c sau. Ngi n tr tin ri; ngi mua mi c tin hot ng
Cu 13: Ngy nay NHTW cho php cc NHTM khi bo lnh c th khng cn trch
qu bo lnh, v sao?
A) V t l trch qu thp nn khng b p
B) V cc NHTM thm nh, kim sot kh tt nn khng c tnh trng mt an ton
C) V cc NHTM nhiu vn sn sng tr thay cho doanh nghip, m rng tn dng
D) V theo quy ch duy tr 8% vn t c trn Ti sn C, m bo iu chnh ri ro bo
lnh.
Cu s 13: Hi phiu l g?
A) L chng ch c gi do ngi k pht lp, yu cu ngi b k pht thanh ton khng iu
kin cho ngi th hng mt s tin nht nh khi c yu cu hoc vo mt thi gian nht
nh trong tng lai.
B) L mt lnh chi tin, ngi pht hnh trch ti khon ca mnh tr cho ngi ch n, yu cu
ngn hng thc hin lnh ny ngay khi nhn c hi phiu.

C) L chng ch c gi do ngi b k pht gi ngi ch n cam kt thanh ton khng iu

kin mt s tin xc nh cho ngi th hng trong mt thi gian nht nh trong tng lai.
D) L mt lnh thu tin, ngi pht hnh giao cho NH yu cu NH trch ti khon ca ngi mc
n tr cho ngi pht hnh hi phiu mt s tin nht nh, trong mt thi hn nht nh ghi
trong hi phiu.
Cu s 14: Ti sao i vi sc chuyn khon, ngi th hng sc thng tm n
ngn hng ni ngi pht hnh sc m ti khon np sc (v bng k np sc)
mc d ngn hng quy nh c th np bt k ngn hng no?
A) Ngi th hng sc mun c ghi C cho mnh trc, ghi N sau thu hi nhanh vn lu
ng cho sn xut kinh doanh.
B) Ngi th hng sc mun bit ngay c rng sc c thanh ton c khng, c bin
php gii quyt kp thi
C) Ngi th hng sc np sc ti ni ngi pht hnh sc m ti khon c th lnh tin
mt.
D) Ngi th hng sc mun np sc ni gn nht.
Cu 15: Trong bo lnh gin tip, ai c nhim v thng bo th bo lnh ti ngi th hng bo lnh?
A) Ngi c bo lnh
B) B ti chnh
C) Ngn hng trung gian
D) Ngn hng bo lnh
Cu 16: Cc ch th lin quan n lnh phiu gm nhng ai?
A) Ngi pht hnh, ngi th hng
B) Ngn hng, ngi mc n, ngi th hng
C) Ch n, doanh nghip, ngi phi tr n
D) Ngn hng, doanh nghip, ngi pht hnh
Cu 17: Trong thanh ton lin hng, trung tm kim sot i chiu c nhim v g
i vi cc ngn hng tham gia thanh ton?
A) Hch ton theo s liu ca ngn hng A chuyn n ngn hng B
B) Hch ton theo giy bo lin hng do ngn hng A gi ti.
C) Kim sot, i chiu v gi s i chiu ti ngn hng A v ngn hng B
D) Kim sot, i chiu, gi s i chiu ti ngn hng B
Cu 18: Phng thc cho thu ti chnh c bit, bn i thu li c ni dung nh th
no?
A) Ngi cung cp bn ti sn sau thu li
B) Ngn hng thu ti sn ca ngi cung cp ri cho ngi khc thu
C) Ngi thu bn ti sn cho cng ty cho thu ti chnh ri thu li ti sn
D) Doanh nghip th chp ti sn cho cng ty cho thu ti chnh vay tin

Cu 19: Nhng Doanh nghip vay v tr thng xuyn hng ngy, NH p dng ti
khon cho vay no?
A) Ti khon vay ngn hn, thng xuyn
B) Ti khon vay ngn hn, trung di hn, thng xuyn
C) Ti khon cho vay n gin, thng xuyn
D) Ti khon cho vay lun chuyn.
Cu 20: Cho thu ti chnh thu li vo khi no?
A) Khi ngi thu nhn ti sn thu.
B) Khi ht thi hn thu ti chnh.
C)

Theo tng nh k cng vi nh k tr tin thu.

D) Thu theo tha thun gia ngi i thu ngi cho thu.
Cu 21: Thanh ton b tr in t (TTBTT) khc thanh ton b tr (TTBT) th no v
th tc giy t?
A) TTBTT thc hin i vi cc Doanh nghip ni mng vi tnh vi NH, cn TTBT thc hin
i vi cc Doanh nghip cha ni mng
B) TTBTT thc hin i vi cc NH khc h thng cng tnh, thnh ph ni mng vi tnh,
TTBT p dng i vi cc NH cha ni mng
C) TTBTT khi thanh ton c truyn qua mng vi tnh, cn TTBT th phi gp nhau i
chiu v trao i chng t
D) TTBTT khng c cc cuc "hp ch" TTBT, cn TTBT thng xuyn phi c cuc "hp ch"
TTBT thanh ton
Cu 22: Mc phn quyt cho vay l g?
A) Tng d n mi NH c php d
B) S tin c th mi cp NH c quyt nh cho vay theo tng lnh vc kinh doanh
C) Tng doanh s cho vay mi doanh nghip
D) Tng doanh s cho vay tt c cc doanh nghip ti mt NH.
Cu 23: trnh c n kh i trong chit khu hi phiu, NH thng chp nhn
chit khu loi hi phiu no?
A) Hi phiu trn tr tin ngay khng iu kin.
B) Hi phiu ghi tn c thi hn thanh ton c m bo ca c quan cp trn.
C) Hi phiu km chng t, gm cc loi ho n hng ho c cht lng d tiu th, thu hi vn
nhanh.
D) Hi phiu c ngi b k pht chp nhn thanh ton
Cu 24: Xut pht t u m phi t ra nguyn tc tn dng l phi c mc ch?
A) NH khng mt vn
B) phc v sn xut, kinh doanh
C) V bn cht hot ng ca con ngi v tnh tt yu ca hot ng kinh t
D) V yu cu ca NH trung ng v lut NH.

Cu 25: Khi chit khu thng phiu (ng tin cho ngi xin chit khu), NH cn c vo
yu t no xc nh s ngy chit khu?
A) T ngy xin chit khu thng phiu n ngy phi thanh ton ghi trong thng phiu
khi pht hnh thng phiu
B) Thi gian c tnh t ngy pht hnh thng phiu n ngy phi thanh ton ghi trong
thng phiu khi pht hnh thng phiu
C) T ngy pht hnh thng phiu n ngy xin chit khu thng phiu
D) Cn c vo kh nng ngun vn ca NH v tho thun vi ngi xin chit khu thng phiu
Cu s 26: i tng vt t NH cho vay gm nhng loi g?
A) Tin lng, cc khon trch theo lng, cc nhu cu ti chnh cn thit
B) Thu xut nhp khu, thu GTGT
C) Gi tr tt c cc loi vt t hng ho v tt c cc loi chi ph cho sn xut.
D) Gi tr tt c cc vt t hng ho thc hin cc d n, phng n sn xut kinh doanh,
dch v, i sng.
Cu 27: Trong cho vay tng mn, NH p dng loi ti khon cho vay no?
A) Ti khon cho vay n gin.
B) Ti khon cho vay di hn
C) Ti khon cho vay lun chuyn
D) Ti khon cho vay ngn hn
Cu 28: U nhim chi l g?
A) Lnh ca ch ti khon yu cu ngn hng trch tin ca mnh chuyn vo ti khon
ca ngi th hng.
B) Lnh thanh ton ca ngn hng phc v bn bn. Yu cu ngn hng bn mua trch ti
khon ca ngi mua thanh ton cho ngi bn.
C) Lnh thanh ton ca ngi bn. Yu cu ngi mua trch ti khon tin gi thanh ton cho
mnh.
D) Lnh ca ngi bn hng yu cu ngn hng phc v bn mua trch ti khon ca ngi
mua thanh ton cho mnh.
Cu 29:Khi no th ngi c bo lnh phi n NH xin bo lnh?
A) Khi k hp ng vay vn hoc mua hng ho dch v nhng khng c i tc tn nhim,
i tc yu cu bo lnh.
B) Khi i vay n ca ngi nc ngoi, vay n ca cc bn hng khc, ca cc i tc khc
C) Khi phi thanh ton n vay hoc tin mua hng ho, cung ng dch v hoc cc khon phi
tr khc
D) Khi thiu vn sn xut kinh doanh
Cu 30: Trong cc h s NH cn thm nh cho vay theo d n, ngoi h s v t
cch php l, NH cn xem xt cc loi h s no?

A) Cc h s thc thi d n, gm quyt nh giao t, giy php xy dng, giy cp

t hoc giao quyn s dng t.
B) Thit k k thut, tng d ton c duyt, kin c quan c thm quyn, ngh quyt hi
ng qun tr v tt c cc h s thc thi d n.
C) Cc h s thc thi d n gm kt qa trng thu, bin bn k vi bn trng thu, cc
quyt nh b nhim ban qun l d n.
D) Cc h s thc thi d n gm giy php khai thc nguyn liu, vn bn chp thun v
x l mi trng, cc hp ng mua nguyn liu, hp ng bn sn phm hng ho sau khi d n
i vo hot ng.
Cu 31:Cc ch th lin quan n hi phiu l nhng ai?
A) Doanh nghip, NH v ngi mc n
B) Ch n, ngi mc n v NH
C) Ngi k pht, ngi b k pht v ngi th hng
D) Ngi k pht, ngi b k pht v NH
Cu 32: Sc bo chi c lnh tin mt trong trng hp no?
A) Khi ngi np sc ngh ngn hng cho lnh tin mt.
B) Khi ngi pht hnh sc chp nhn cho lnh tin mt.
C) Khng c lnh tin mt.
D) Khi ti khon ca ngi np sc c tin.
Cu 33: Hy trnh by cc hnh thc qun l d tr bt buc?
A) Qun l phong to ti NH trung ng v qun l khng phong to.
B) Qun l tng thng v tng qu
C) Qun l tng ln v tng mn
D) Qun l t l v qun l s tin
Cu 34: Khi chit khu thng phiu, ngn hng cn c vo u nh ngy tnh
li?
A)

Thi hn chit khu, t ngy c chit khu ti ngy thng phiu n hn thanh ton.

B) Ngy khch hng n xin chit khu

C) Thi hn thng phiu t ngy k pht n ngy ti hn thanh ton.
D) Ngy k pht thng phiu.
Cu 35: Ti sao tn dng phi c nguyn tc hon tr ng hn?
A) V mc tiu li nhun ca NH, cho vay ly li thc hin li nhun.
B) Hon tr ng hn l iu kin tn ti ca NH, ng hn l tnh k hoch ca ngun vn.
C) V l i, vay th phi tr
D) V NH l h thng ti chnh trung gian, i vay cho vay.
Cu 35: Theo i tng khch hng ngi ta chia ra cc loi NH no?
A) NH a nng, NH chuyn mn ho
B) NH Nng nghip, NH Cng thng

C) NH bn bun, NH bn l
D) NH Ngoi thng, NH u t
Cu 36: Thi hn cho vay tng mn c tnh ton theo cn c no?
A) Theo k lun chuyn vn tn dng
B) Theo chu k sn xut kinh doanh ca doanh nghip hoc Theo k lun chuyn tng loi vt
t hng ho cho vay
C) Theo tha thun gia ngi vay v NH
D) Theo li nhun dng tr n.
Cu 37: Kim tra kim sot tn dng gm nhng khu no?
A) Cho vay, pht tin, thu n
B) Kim tra t cch php, h s xin vay
C) Kim tra kh nng ti chnh, kim tra bng cn i k ton ca n v vay.
D) Trc, trong v sau khi cho vay
Cu s 30 : Sc chuyn tin do ai pht hnh:
A) Ngn hng
B) Ngi bn hng
C) Ngi mua hng
D) C 3 cu trn u ng
--------------------------------------------------------------------------------------------------------------------------------Cu s 31 : Theo phm vi nghip v ngi ta chia NHTM thnh nhng loi no?
A) NH Cng thng, Ngoi thng, Nng nghip
B) NH bn bun, NH bn l
C) NH quc doanh, NH c phn, ngn hng lin doanh, chi nhnh ngn hng nc ngoi ti
Vit nam.
D) NH a nng, NH chuyn mn ho.
Cu s 32 : NH chnh sch khc NH thng mi nhng im no l ch yu?
A) NH chnh sch khng cho vay ngn hn, NHTM cho vay ngn hn l chnh.
B) NH chnh sch l NH quc doanh khng c NH c phn, NHTM th c loi
C) NH chnh sch thuc Chnh ph, NHTM thuc NH trung ng
D) NH chnh sch hot ng khng v mc ch li nhun m theo mc tiu ring ca Chnh
ph, NHTM v mc tiu an ton nhng trc ht l li nhun
Cu s 33 : K hn n trong cho vay lun chuyn c xc nh theo yu t no?
A) Theo chu k sn xut kinh doanh ca doanh nghip
B) Theo k hn lun chuyn vn tn dng tc l90 ngy nhn (x) D n bnh qun chia (:)
Doanh s thu n
C) Theo thi hn lun chuyn vt t

D) Theo k lun chuyn vn lu ng ca doanh nghip tc l 90 ngy x S d vn lu ng

bnh qun chia (:) Doanh thu thun
Cu s 34 : Ch th no l ngi em thng phiu n NH xin chit khu?
A) Ngi k pht
B) Ngi b k pht
C) Ngi th hng thng phiu.
D) Ngi k pht, ngi b k pht
Cu s 35 : Mc cho vay vn lu ng k k hoch (M) c tnh ton theo cng thc no?
A) M = Tng nhu cu VL k hoch
B) M = Tng nhu cu VL - Vn t c x Vng quay VL
C) M = Tng nhu cu VLD x % vn t c trn doanh thu trong k
D) M = Tng nhu cu VL - Vn t c k hoch
Cu s 36 : Thanh ton in t lin ngn hng khc h thng so vi thanh ton qua ti khon
tin gi ti ngn hng Nh nc c iu g ging nhau v kt qu cui cng?
A) u s dng hnh thc thanh ton lin hng.
B) u l thanh ton gia cc ngn hng thng mi khc h thng.
C) u l thanh ton gia cc doanh nghip c quan h kinh t vi nhau nhng m ti khon
cc ngn hng thng mi khc tnh, thnh ph v khc h thng ngn hng thng mi.
D) u phi t kt qu cui cng l trch ti khon tin gi ti ngn hng Nh nc ca ngn
hng thng mi ny tr cho ngn hng thng mi kia
Cu 37: Ni dung nguyn tc bo m tin vay gm cc tiu chun no?
A) C ti sn th chp
B) C ngun thu nhp tr n, c ti sn th chp, kh nng ti chnh di do
C) C ti sn hnh thnh t vn vay ph hp vi giy php ng k kinh doanh
D) C nng lc (Capacity), c vn (Capital), c t cch (Character), iu kin (Conditions),
c vt th chp (Collateral).
Cu s 38 : Ngn hng Cng thng Thi Bnh nhn c mt giy bo C lin hng km hai
lin UNC gi ti, nhng ni dung l cng Hi Phng tr tin cho cho cng ty Thp Thi nguyn ti
khon ti NHCT Thi Nguyn. NHCT Thi Bnh x l nh th no?
A) Lp 3 lin giy bo lin hng gi NHCT Thi Nguyn.
B) Lp 3 lin giy bo lin hng, 1 lin hch ton lin hng i, 1 lin gi i NHCT Thi Nguyn
cng vi 2 lin UNC nhn c, 1 lin gi trung tm kim sot i chiu.
C) Tr li ton b chng t cho NH Hi phng, ni gi cc chng t i.
D) Chuyn tip ton b chng t n NHCT Thi Nguyn.
Cu s 39 : Thm nh kh nng ti chnh khi cho vay gm nhng ni dung g?
A) So snh s liu trn cn i k ton, v vn php nh ghi trong giy php so vi trn
cn i, cc ngun thu

B) Cc khon mc vn lu ng, hng tn kho, vn c nh trong bng cn i k ton ca 3

nm gn nht
C) Thm nh k hoch li nhun, khu hao, cc ngun thu tr n NH
D) Thm nh ngun vn ch s hu, tnh hnh cng n, hng tn kho, cc h s ti chnh,
kt qu kinh doanh nm trc, qu trc lin k, thng gn nht
Cu s 40 : Trng hp no th ngn hng tnh li theo tch s
A) Cho vay tng mn.
B) Tin gi hot ng u n.
C) Cho vay c k hn, tin gi c k hn.
D) Ti khon ca khch hng hot ng thng xuyn.
Cu s 41 : Vn tn dng di hn ca ngn hng c huy ng t ngun no?
A) Tin gi tit kim khng k hn ca dn chng
B) Tin gi ca cc t chc kinh t v ca dn chng
C) Tin gi tit kim di hn v ngn hng pht hnh k phiu thi hn trn mt nm
D) Vn t c ca ngn hng cho vay di hn v vn Nh nc cp cho vay di hn
---------------------------------------------------------------------------------------------------------------------------------Cu s 42
Cu hi :
Doanh nghip mun chuyn tin theo hnh thc sc chuyn tin, doanh nghip phi lm
nhng g? v hch ton nh th no?
A) Phi lp sc chuyn tin trc tip mang n ngn hng xin xc nhn "sc chuyn tin"
B) Phi lp 3 lin UNC em n ngn hng xin cp sc chuyn tin. Khi c ngn hng cp
sc, doanh nghip trc tip cm sc n ngn hng ni cn chuyn tin n
C) Phi lp 2 t sc chuyn tin v 4 lin UNC em n ngn hng lm th tc chuyn
tin
D) Lp 4 lin UNC, 2 t sc (bn chnh v bn ip) em n ngn hng ni chuyn tin
i
---------------------------------------------------------------------------------------------------------------------------------Cu s 43
Cu hi :
Ngn hng cp sc chuyn tin lm nhng vic g trc khi trao sc cho khch hng?
A) Nhn UNC ca ngi xin cp sc chuyn tin, cp sc chuyn tin cho khch
B) Nhn UNC, lp giy bo lin hng, ghi C TK "Lin hng i" chuyn tin, cp sc cho
khch
C) Nhn UNC, dng lin 1 UNC ghi N TK ngi xin cp sc, lin 2 ghi C TK "K qu bo m"
trao giy bo N (lin 3) v trao sc chuyn tin cho khch
D) Nhn UNC, nhn sc, ghi N TK tin gi ca ngi pht hnh sc, ghi C "Lin hng i"
chuyn tin, trao sc cho khch

Cu s 44
Cu hi :
Khi ngi th hng np sc bo chi vo ngn hng thanh ton, ngn hng ghi N ti khon
no, ghi c TK no, nu ngi th hng sc v ngi c bo chi sc cng m TK ti mt NH.
A) Ghi N ti khon "Tin k qi m bo thanh ton", ghi c TK tin gi ngi th hng.
B) Ghi N ti khon "Thanh ton b tr", ghi c TK lin hng
C) Ghi N ti khon ngi pht hnh sc, ghi c TK tin gi ngi th hng
D) Ghi N ti khon "Lin hng", ghi c TK 4271
---------------------------------------------------------------------------------------------------------------------------------Cu s 45
Cu hi :
Trong thanh ton b tr, cc chng t do khch hng lp gm nhng loi chng t no?
------------------------------------------------------------------------------------Tr li :
A) Sc, u nhim chi
B) Cc bng k thanh ton b tr
C) Cc t sc do n v mua ngn hng khc pht hnh, cc chng t gc sau khi ghi N
ti khon ca khch hng nh UNT, UNC, cc bng k np sc
D) Tt c cc chng t gc do khch hng lp v bng k thanh ton b tr
---------------------------------------------------------------------------------------------------------------------------------Cu s 46
Cu hi :
Cc ngun vn ca ngn hng thng mi, ngun no l ch yu v chim t trng ln nht?
------------------------------------------------------------------------------------Tr li :
A) Vn ch s hu, c phn, Nh nc cp
B) Vn huy ng
C) Vn vay ca cc ngn hng bn trong nc v vay nc ngoi
D) Vn lin doanh lin kt
---------------------------------------------------------------------------------------------------------------------------------Cu s 47
Cu hi :
Cho vay theo ti khon n gin, c thu n nh th no?
------------------------------------------------------------------------------------Tr li :
A) Thu n hng ngy bng cch trch ti khon tin gi cho ngi vay.
B) Ngi vay np tin vo ngn hng tr n theo nh k 10 ngy mt ln tr.
C) Thu n theo k hn ghi trong kh c.

D) Ngn hng trch ti khon tin gi ca ngi vay thu n mi thng mt ln.
---------------------------------------------------------------------------------------------------------------------------------Cu s 48
Cu hi :
Ti sao li sut tn dng di hn thng t ra cao hn li sut tn dng ngn hn?
------------------------------------------------------------------------------------Tr li :
A) V s dng vn di ngy hn phi tr li nhiu hn
B) Tn dng di hn u t ch yu vo ti khon c nh, ti sn ny mang li nhiu li
nhun hn nn li sut tn dng cao hn
C) Tn dng ngn hn, ngun vn bp bnh, khng hiu qu lm v s dng vn nn li sut
thp hn, tn dng di hn n nh thi gian nn li sut cao hn
D) Tn dng di hn c nhiu ri ro hn, ri ro v lm pht, v nn kinh t nn phi t li
sut cao hn
---------------------------------------------------------------------------------------------------------------------------------Cu s 49
Cu hi :
Cn c vo phng php pht hnh bo lnh, ngi ta phn bit nhng loi bo lnh no?
------------------------------------------------------------------------------------Tr li :
A) Bo lnh cht lng sn phm, bo lnh thanh ton, bo lnh hon tr vn vay
B) Bo lnh hon tin t cc, bo lnh thc hin hp ng
C) Bo lnh trong nc, bo lnh vay nc ngoi
D) Bo lnh trc tip, bo lnh gin tip, bo lnh gip lng, ng bo lnh
---------------------------------------------------------------------------------------------------------------------------------Cu s 50
Chng t gc trong k ton cho vay gm nhng chng t g?
Tr li :
A) Sc chuyn hon u nhim chi, u nhim thu, th tn dng.
B) Phiu lnh tin mt, sc tin mt.
C) Giy ngh vay vn, giy nhn n.
D) n sn xut kinh doanh, k hoch ti chnh.
---------------------------------------------------------------------------------------------------------------------------------Cu s 51
Thi hn n trong cho vay trung v di hn (T) c xc nh theo cng thc no?
Tr li :

A) T = mc cho vay chia (:) tng s khu hao, li nhun do vn vay to ra v ngun khc
tr n trong nm + thi gian n hn "
B) T = mc cho vay chia (:) tng s khu hao v li nhun tr n trong nm + thi gian n
hn
C) T = mc cho vay chia (:) tng s khu hao, li nhun v ngun khc tr n trong nm
D) T = mc cho vay chia (:) mc thu n mi nm
---------------------------------------------------------------------------------------------------------------------------------Cu s 52
V mt thi im pht hnh v v mt tin vn ca doanh nghip, thanh ton u nhim thu
khc thanh ton th tn dng nh th no?
Tr li :
A) U nhim thu do ngi bn lp. Th tn dng do ngi mua lp
B) U nhim thu tr tin t ngn hng bn mua. Th tn dng tr tin t ngn hng bn bn
C) U nhim thu pht hnh sau khi bn hng, ngi mua khng phi k qu trc. Th tn dng
thanh ton sau khi bn hng, ngi mua phi k qu trc khi m th tn dng
D) U nhim thu khc a phng hoc cng a phng, th tn dng ch thanh ton khc
a phng
---------------------------------------------------------------------------------------------------------------------------------Cu s 53
Khi thanh ton bng hnh thc UNC, doanh nghip phi lp 4 lin UNC. Vy 4 lin UNC doanh
nghip s dng nh th no?
Tr li :
A) 1 lin lu, 3 lin gi cho ngi th hng
B) Gi trc tip ti NH c 4 lin
C) 2 lin lm chng t hch ton bn N v 2 lin lm chng t hch ton bn C
D) 1 lin lu, 3 lin gi cho NH
---------------------------------------------------------------------------------------------------------------------------------Cu s 54
Khi ngn hng B nhn c cc chng t chuyn tin t ngn hng A gi ti gm cc lin UNC,
mt giy bo C lin hng, ngn hng B phi lm nhng g vi nhng chng t theo phng
thc i chiu phn tn?
Tr li :
A) 1 lin giy bo C lin hng ghi N TK lin hng n, 1 lin UNC ghi C ngi th hng, 1
lin UNC bo C ngi th hng
B) 1 lin UNC ghi N TK lin hng n, 1 lin UNC ghi C ngi th hng, 1 lin UNC bo C ngi
th hng
C) 1 lin giy bo C lin hng ghi N TK lin hng n, 1 lin giy bo C lin hng bo C
ngi th hng, 1 lin UNC lu

D) 1 lin giy bo C lin hng ghi N TK lin hng n, 1 lin giy bo C lin hng gi
trung tm kim sot, 1 lin UNC ghi C ngi th hng
---------------------------------------------------------------------------------------------------------------------------------Cu s 55
Thanh ton qua ngn hng hin nay gm cc th thc no?
------------------------------------------------------------------------------------Tr li :
A) Thanh ton b tr, thanh ton theo hp ng, UNC, Sc.
B) Thanh ton theo k hoch, thanh ton chuyn khon, thanh ton tin mt
C) Thanh ton qua nhiu ngn hng, thanh ton qua mt ngn hng.
D) Sc, u nhim chi, u nhim thu, th tn dng, thanh ton th
---------------------------------------------------------------------------------------------------------------------------------Cu s 56
Cu hi :
Bo lnh ngn hng l g?
------------------------------------------------------------------------------------Tr li :
A) L 1 loi dch v ngn hng gip cho cc n v kinh t quan h vi nhau thun li.
B) L mt loi hnh tn dng ngn hng, gip vn cho doanh nghip thc hin sn xut kinh
doanh.
C) L cam kt ca ngn hng bo lnh, chu trch nhim tr tin thay cho bn c bo lnh,
nu bn c bo lnh khng thc hin c ngha v vi bn yu cu bo lnh.
D) L loi m bo ca ngn hng Nh nc i vi cc ngn hng thng mi trong vic cung
ng vn tn dng.
---------------------------------------------------------------------------------------------------------------------------------Cu s 57
Cu hi :
Hy ch thch s cho thu ti chnh c 3 bn tham gia
------------------------------------------------------------------------------------Tr li :
A) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn cho thu, (3) k hp ng
k thut, (4) bn giao quyn s hu ti sn, (5) tr tin mua ti sn, (6) chuyn giao ti sn
cho ngi thu, (7) chuyn giao quyn s dng ti sn cho ngi thu, (8) nh k tr tin thu ti
chnh.
B) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn, (3) Tr tin, (4) tr tin mau
ti sn, (5) Bo hnh ti sn, (6) tr n.

C) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn cho thu, (3) giao ti sn,
(4) Thanh l hp ng, (5) tr tin mua ti sn, (6) tr tin thu theo nh k.
D) (1) Tr tin thu, (2) k hp ng mau ti sn, (3) giao ti sn, (4) thanh l hp ng, (5)
tr tin, (6) tr tin thu tng nh k.
---------------------------------------------------------------------------------------------------------------------------------Cu s 58
Cu hi :
Cho vay theo ti khon n gin c p dng cho loi khch hng no? th tc ra sao?
------------------------------------------------------------------------------------Tr li :
A) Khch hng l h nng dn, th tc n gin, ch cn ghi s
B) Khch hng l doanh nghip nh, th tc: ch lm n xin vay
C) Khch hng l c th, phi gi d n v k hoch
D) Khch hng l ngi vay khng thng xuyn, vng quay vn chm; th tc: gi d n kinh
doanh v n xin vay cho tng mn vay
---------------------------------------------------------------------------------------------------------------------------------Cu s 59
Cu hi :
Cho vay trung v di hn gm nhng loi hnh no?
------------------------------------------------------------------------------------Tr li :
A) Cho vay xy dung c bn v mua sm trang thit b
B) Cho vay chi ph cho d n v chi ph trc d n (tin d n)
C) Cho vay xy dung c bn, trang thit b v chi ph khc
D) Cho vay hnh thnh ti sn c nh v cho thu ti chnh
--------------------------------------------------------------------------------------------------------------------------------Cu s 60
Cu hi :
Khi pht hnh sc bo chi, doanh nghip phi lm nhng g?
------------------------------------------------------------------------------------Tr li :
A) Lp 2 lin giy yu cu bo chi sc k qu m bo thanh ton v vit sc trc tip em
n ngn hng
B) Vit sc, k sc, a trc tip n ngn hng, np tin mt vo NH
C) Vit sc, trch ti khon, np tin k qu bo chi.
D) Np tin vo ngn hng k qu bo chi sc, lp UNC, np sc
---------------------------------------------------------------------------------------------------------------------------------Cu s 61

Cu hi :
Tng mc u t l g?
------------------------------------------------------------------------------------Tr li :
A) L ton b chi ph u t v xy dng v l gii hn chi ph ti a c xc nh trong
quyt nh u t; bao gm cc chi ph chun b, chi ph thc hin.
B) Tng gi thnh cng trnh c b p bng vn t c v vay ngn hng.
C) L tng chi ph xy lp v chi ph thit b.
D) Tng gi tr cng trnh xy dng phi vay ngn hng.
---------------------------------------------------------------------------------------------------------------------------------Cu s 62
Cu hi :
Cho vay vn lu ng (cho vay ngn hn) gm 2 loi hnh ln. l g?
------------------------------------------------------------------------------------Tr li :
A) Cho vay hnh thnh ti sn lu ng v hnh thnh ti sn c nh ca doanh nghip
B) Cho vay n gin thng thng v cho vay lun chuyn
C) Cho vay theo d n, phng n sn xut v chit khu thng phiu
D) Cho vay mua sm d tr nguyn vt liu v cho vay chi ph sn xut khc
---------------------------------------------------------------------------------------------------------------------------------Cu s 63
Cu hi :
V hnh thc sc chuyn khon khc sc tin mt nh th no?
------------------------------------------------------------------------------------Tr li :
A) Sc chuyn khon khng c lnh tin mt, sc tin mt c lnh tin mt
B) Sc chuyn khon c pht hnh trao cho ngi th hng, sc tin mt c pht hnh
n ngn hng lnh tin mt
C) Sc chuyn khon do doanh nghip v c nhn pht hnh, sc tin mt do doanh nghip
pht hnh
D) Sc chuyn khon c ch "Tr vo ti khon"; sc tin mt khng c ch "Tr vo ti
khon".
Cu 64 : Khi tnh ton mc cho vay, ngn hng b ph thuc vo nhng yu t
no?
---> Mc khng ch trong phm vi 15% vn t c ca ngn hng, t trng vn t c ca
doanh nghip v gi tr ti sn bo m

Cu 65 : Mt ngn hng c s vn dng cho bo lnh l 300 t. Kh nng an ton bo

lnh l 95%. Hi tng mc bo lnh ca ngn hng l bao nhiu?
---> (300 t : 5%)

---------------------------------------------------------------------------------------------------------------------------------Cu s 66
Cu hi :
Theo quy nh ca Nh nc vn ch s hu ca ngn hng Thng mi phi bng bao nhiu
phn trm so vi ti sn c?
------------------------------------------------------------------------------------Tr li :
A) 50% k c vay cc ngn hng bn
B) 30% k c vay cc ngn hng trung ng
C) 15% k c d tr bt buc
D) 8% k c cc cam kt ngoi bng
---------------------------------------------------------------------------------------------------------------------------------Cu s 67
Cu hi :
i chiu bn N trong S i chiu lin hng l i chiu vi loi chng t no?
------------------------------------------------------------------------------------Tr li :
A) L i chiu s d N ti khon lin hng n
B) L i chiu cc giy bo C lin hng
C) L i chiu cc giy bo N lin hng
D) L i chiu s d C ti khon lin hng i
---------------------------------------------------------------------------------------------------------------------------------Cu s 68
Cu hi :
Khi m th tn dng (L/C) thanh ton vi nc ngoi, doanh nghip m L/C phi k qu mt
khon tin bng bao nhiu phn trm trn tr gi L/C m?
------------------------------------------------------------------------------------Tr li :
A) 100%
B) 50%
C) Theo tho thun gia ngn hng v doanh nghip
D) 10%
----------------------------------------------------------------------------------------------------------------------------------

Cu s 69
Cu hi :
ng Nguyn Vn An gim c Cng Ty TNHH Thnh Long pht hnh mt sc lnh lin mt
tr gi 10.000.000 ng, ngi ng tn trn t Sc l ng Hong Vn Th, ng Hong Vn Th
em sc n NH lnh tin mt (Sc hp l, hp php). K ton NH ghi s nh th no?
------------------------------------------------------------------------------------Tr li :
A) N TK 1111:10.000.000
C TK 4211(Cng ty Thnh Long): 10.000.000
B)

N TK 1011 : 10.000.000

C TK 4211(Cng ty thnh Long): 10.000.000

C)

N TK 4211 (Cng ty Thnh Long): 10.000.000

C TK 1111: 10.000.000
D) N TK 4211 (Cng ty Thnh Long): 10.000.000
C TK 1011: 10.000.000
---------------------------------------------------------------------------------------------------------------------------------Cu s 70
Cu hi :
Cng ty Gang thp Thi Nguyn trch ti khon 240 triu t ngn hng Cng thng Thi
nguyn tr cho Cng ty Dt Nam nh c ti khon ti ngn hng ngoi thng Nam nh theo
phng thc thanh ton in t lin ngn hng.
Ti Trung tm thanh ton quc gia v ti ngn hng ngoi thng Nam nh hch ton
nh th no?
------------------------------------------------------------------------------------Tr li :
A) Ti Trung tm thnh ton Quc gia
TK Tin gi NHCT VN
------------------------------------| 240.000.000
|

TK Tin gi NHNT VN
------------------------------240.000.000 |
|

Ti Ngn hng Ngoi thng Nam nh

TK 1113
------------------------------------240.000.000 |
|

TK Cty Dt
------------------------------| 240.000.000
|

B) Ti Trung tm thnh ton Quc gia

TK Tin gi NHCT VN

TK Tin gi NHNT VN

-------------------------------------

-------------------------------

240.000.000 |

| 240.000.000

Ti Ngn hng Ngoi thng Nam nh

TK 5191(5192) - Thu h chi h
-------------------------------------

TK Cty Dt
-------------------------------

240.000.000 |

| 240.000.000

C) Ti Trung tm thnh ton Quc gia

TK Tin gi NHCT VN
------------------------------------| 240.000.000

TK Tin gi NHNT VN
------------------------------240.000.000 |

Ti Ngn hng Ngoi thng Nam nh

TK 5212 - Lin hng n
-------------------------------------

TK Cty Dt
-------------------------------

240.000.000 |

| 240.000.000

D) Ti Trung tm thnh ton Quc gia

TK Tin gi NHCT VN
-------------------------------------

TK Tin gi NHNT VN
-------------------------------

240.000.000 |

| 240.000.000

Ti Ngn hng Ngoi thng Nam nh

TK 111 - Tin gi NH Nh nc
-------------------------------------

TK Cty Dt
-------------------------------

240.000.000 |
|

| 240.000.000
|

---------------------------------------------------------------------------------------------------------------------------------Cu s 71
Cu hi :
Cng ty Bnh Long trch ti khon tin gi 600 triu ng ti ngn hng Cng thng Cn
Th chuyn tr cho Cng ty Thnh t c ti khon ti ngn hng Nng nghip H ni theo phng thc thanh ton in t lin ngn hng.
Ti ngn hng Cng thng Vit nam hch ton nh th no?

------------------------------------------------------------------------------------Tr li :
A)
TK C.ty Bnh Long
------------------------------------600.000.000 |
|

TK C.ty Thnh t
------------------------------| 600.000.000
|

B)
TK NHCT Cn Th
------------------------------------600.000.000 |
|

TK NHNN H Ni
------------------------------| 600.000.000
|

C)
TK 1113 - Tin gi NHCTVN

TK 5191(5192)- Thu h chi h

ti NH Nh nc
-------------------------------------

-------------------------------

600.000.000 |

600.000.000 |

D)
TK 1113 - Tin gi NHCTVN

TK 5191(5192) - Thu h chi h

ti NH Nh nc
------------------------------------| 600.000.000
|

------------------------------600.000.000 |
|

---------------------------------------------------------------------------------------------------------------------------------Cu s 72
Cu hi :
Mun thanh ton theo th thc m th tn dng, n v mua hng phi vit 6 lin giy m th
tn dng np vo ngn hng phc v mnh. Ngn hng ny s dng 6 lin ny nh th
no?
------------------------------------------------------------------------------------Tr li :
A) 1 lin ghi N ngi m th tn dng, 1 lin bo N, 4 lin gi ngn hng bn bn

B) 1 lin ghi N, 1 lin ghi C cho ngi bn, 4 lin gi ngn hng bn bn
C) 1 lin ghi N ngi m th tn dng, 1 lin bo N, 1 lin ghi C TK k qu m bo thanh ton,
3 lin gi ngn hng bn bn
D) 1 lin ghi N, 1 lin bo N, 1 lin ghi C cho ngi bn, 1 lin bo C cho ngi bn, 2 lin gi
ngn hng bn bn
---------------------------------------------------------------------------------------------------------------------------------Cu s 73
Cu hi :
Hch ton ni bng khc hch ton ngoi bng nh th no?
------------------------------------------------------------------------------------Tr li :
A) Hch ton ni bng l hch ton phn tch; hch ton ngoi bng l hch ton tng hp.
B) Hch ton ni bng l hch ton trong bng bo co; hch ton ngoi bng l hch ton ngoi
bng bo co.
C) Hch ton ni bng l hch ton kp, 2 v, s liu phn nh trong cn i k ton; hch
ton ngoi bng l hch ton n, ghi chp nhp, xut, s liu ngoi bng cn i k ton.
D) Hch ton ni bng l bo co cn i k ton theo ti khon chi tit n bc 3, bc 4;
Hch ton ngoi bng l bo co hnh vn, thuyt minh c th tng khon.
--------------------------------------------------------------------------------------------------------------------------------Cu s 74
Cu hi :
Khi cho vay thng thng tng mn, ngn hng qun l (khng ch) ch tiu no?
------------------------------------------------------------------------------------Tr li :
A) Doanh s (mc) cho vay
B) Doanh s thu n
C) Thi hn cho vay
D) D n cui k
--------------------------------------------------------------------------------------------------------------------------------Cu s 75
Cu hi :
Ai c quyn xut qu d phng ri ro ca ngn hng thng mi b p cc khon tn
tht?
------------------------------------------------------------------------------------Tr li :
A) Th tng Chnh ph
B) B trng B Ti chnh
C) Thng c ngn hng Nh nc

D) Tng gim c (gim c) ngn hng thng mi

---------------------------------------------------------------------------------------------------------------------------------Cu s 76
Cu hi :
Cc cng trnh xy dng thuc nhm A do cp no quyt nh u t?
------------------------------------------------------------------------------------Tr li :
A) Cc B trng quyt nh cho ngnh mnh.
B) B trng B Xy dng
C) Ch tch UBND Tnh
D) Th tng Chnh ph.
---------------------------------------------------------------------------------------------------------------------------------Cu s 77
Cu hi :
Ti ngn hng bn bn, khi nhn c cc lin giy m th tn dng, ngn hng ny s dng nh
th no?
------------------------------------------------------------------------------------Tr li :
A) 1 lin ghi N lin hng i, 1 lin ghi C cho n v bn
B) 1 lin bo cho n v bn bit kh nng thanh ton ca n v mua, 1 lin km ha n
v giy bo N lin hng i do ngn hng lp ghi N lin hng i
C) 1 lin gi cho n v bn bit, giao hng cho n v mua, 1 lin km bng k ha
n lp giy bo N lin hng i, 1 lin km ha n ghi C n v bn
D) 1 lin ghi C cho ngi bn, 1 lin bo C, 1 lin ghi N lin hng i, 1 lin bo N
---------------------------------------------------------------------------------------------------------------------------------Cu s 78
Cu hi :
V mt xut pht im ca giy t thanh ton, u nhim chi khc u nhim thu nh th no?
------------------------------------------------------------------------------------Tr li :
A) U nhim chi do ngi mua lp tr tin, u nhim thu do ngi bn lp nh ngn
hng thu tin
B) Nu thanh ton khc ngn hng th lin 4 u nhim thu c tch ra theo di ngoi
bng ti ngn hng bn bn trc khi thanh ton, U nhim chi khng phi theo di
C) U nhim chi ghi N ngi lp giy t, u nhim thu th ngc li
D) Nu thanh ton khc ngn hng th u nhim chi c thanh ton ngay, u nhim thu phi
ch

---------------------------------------------------------------------------------------------------------------------------------Cu s 79
Cu hi :
Thng phiu gm c Hi phiu v Lnh phiu. Vy hi phiu khc lnh phiu ch no?
------------------------------------------------------------------------------------Tr li :
A) Hi phiu c 3 ch th lin quan, do ch n lp, c th tc chp nhn. Lnh phiu c 2 ch
th lin quan, do ngi mc n lp , khng c th tc chp nhn
B) Hi phiu l giy i n, do ch n pht hnh, cn lnh phiu l giy nhn n, do ngi n
pht hnh
C) Hi phiu yu cu ngi b k pht thanh ton cho ngi th hng, cn lnh phiu do ngi
mc n cam kt thanh ton v iu kin cho ngi th hng
D) Hi phiu c php c t ph nh km, cn lnh phiu th khng c php c t ph
---------------------------------------------------------------------------------------------------------------------------------Cu s 80
Cu hi :
S ngy tnh li trong thng c xc nh nh th no khi tnh li theo tch s?
------------------------------------------------------------------------------------Tr li :
A) Ly s 30 l s ngy trong thng chia cho s ngy c hot ng ca ti khon tm s
ngy bnh qun.
B) Cn c vo ngy hot ng trong s ti khon, phi m t s d u thng n tng s
d mi sau mi ln hot ng ca ti khon.
C) Cng tt c cc s d sau mi ln hot ng ca ti khon chia cho s ln hot ng.
D) Ly s ln hot ng ca ti khon nhn vi 1, chia cho 30 tm s ngy bnh qun.
---------------------------------------------------------------------------------------------------------------------------------Cu s 81
Cu hi :
Trong i chiu lin hng, i chiu bn C l i chiu vi loi chng t no?
------------------------------------------------------------------------------------Tr li :
A) L i chiu s d C ti khon lin hng i
B) L i chiu s d N ti khon lin hng n
C) L i chiu cc giy bo C lin hng
D) L i chiu cc giy bo N lin hng
Cu s 82
Cu hi :

Trong quy trnh thanh ton Sc chuyn tin, khi NH tin hnh tr tin cho khch hng theo
yu cu, nu NH tr tin mt th NH ghi s nh th no
------------------------------------------------------------------------------------Tr li :
A) N TK 4541
C TK1011 - Tin mt
B) N TK 454 - chuyn tin phi tr
C TK 1011 - Tin mt
C)

N TK 1011 - Tin mt

C TK 4272
D)

N TK 4271

C TK 1011 - Tin mt
---------------------------------------------------------------------------------------------------------------------------------Cu s 83
Cu hi :
Mun c ngn hng bo lnh, doanh nghip phi c y cc iu kin. Vy iu kin
no l ch yu?
------------------------------------------------------------------------------------Tr li :
A) T cch php nhn, c hp ng kinh t, kinh doanh c li
B) Tt c cc iu kin u cn thit v ch yu
C) C ti sn th chp, mc k qu
D) C tn nhim vi ngn hng, khng c n qu hn
---------------------------------------------------------------------------------------------------------------------------------Cu s 84
Cu hi :
Trnh by khi nim thanh ton khng dng tin mt .
------------------------------------------------------------------------------------Tr li :
A) L thanh ton chuyn khon thng qua cc ti khon NH
B) L phng thc chi tr thc hin bng cch trch tin t ti khon ti ngn hng ca ngi
chi sang ti khon ca ngi c hng.
C) L thanh ton bng sc, UNC, UNT, chuyn tin.
D) L thc hin cc th thc thanh ton qua ngn hng, lin hng bng cc nghip v ca
NH theo mu giy t qui nh.
---------------------------------------------------------------------------------------------------------------------------------Cu s 85
Cu hi :

S tin d tr bt buc cc NHTM phi gi vo NHT c tnh trn t l cc loi tin gi no?
------------------------------------------------------------------------------------Tr li :
A) Tin gi khch hng, tin gi khng k hn, tin gi tit kim
B) Tin gi c k hn thuc loi phi d tr bt buc, tin gi tit kim, tin gi h, tin gi
cc Kho bc Nh nc
C) Tin thu c t pht hnh giy t c gi, tin gi c k hn thuc loi phi d tr bt buc,
tin gi tit kim, tin gi h, tin gi kho bc nh nc.
D) Tin thu c t pht hnh giy t c gi, tin gi khch hng, tin gi c k hn, tin gi
khng k hn
---------------------------------------------------------------------------------------------------------------------------------Cu s 86
Cu hi :
NHCT Hai B Trng nhn c mt giy bo c lin hng ca NHCT Vng tu, s tin ghi trn
giy bo l 185 triu ng km mt chng t gc l UNC ca cng ty i Li Vng Tu tr tin
cho cng ty Hng Nam c ti khon ti NHCT Hai B Trng. Cc giy t u hp l, NHCT Hai B
Trng hch ton nh th no?
------------------------------------------------------------------------------------Tr li :
A)

N TK 5012: 185

C TK 4211 (Cng ty Hng Nam): 185

B) N TK 4211: 185
C TK 5012 (Cng ty Hng Nam):185
C) N TK 5212: 185
C TK 4211(Cng ty Hng Nam)185
D)

N TK 1011 : 185

C TK 5212: 185
---------------------------------------------------------------------------------------------------------------------------------Cu s 87
Cu hi :
Trong qui trnh cho vay theo d n u t, ngn hng phi thm nh nhng ni dung g?
------------------------------------------------------------------------------------Tr li :
A) Thit k k thut, tng d ton c duyt
B) Tng mc u t, cc ngun vn c nh v vn lu ng t c
C) Hiu qu ca d n
D) T cch php l, ti chnh ca d n v hiu qu ca d n
----------------------------------------------------------------------------------------------------------------------------------

Cu s 88
Cu hi :
thanh ton hng ho xut khu theo phng thc th tn dng (L/C), vic u tin quan
trng nht, nh xut khu phi lm th tc g?
------------------------------------------------------------------------------------Tr li :
A) Thng bo cho ngn hng bit v khch hng ca mnh (ngi mua hng)
B) Yu cu ngi mua m L/C (th tn dng)
C) Gi h s hng ho v b h s ti chnh n ngn hng
D) Gi hp ng mua bn hng ho ti ngn hng
---------------------------------------------------------------------------------------------------------------------------------Cu s 89
Cu hi :
Bo lnh ngn hng thuc loi nghip v tn dng g?
------------------------------------------------------------------------------------Tr li :
A) Tn dng ngn hn
B) Dch v ngn hng
C) Tn dng di hn
D) Tn dng trung hn
---------------------------------------------------------------------------------------------------------------------------------Cu s 90
Cu hi :
Ngn hng cng thng Ba nh cp cho cng ty i Nam 1 sc bo chi 46 triu ng tr
cho cng ty Nam Thi c ti khon ti ngn hng Nng nghip Gia Lm. Ti Ngn hng cng
thng Ba nh hch ton nh th no khi bo chi sc?
------------------------------------------------------------------------------------Tr li :
A) N TK 5211 - Lin hng i: 46.000.000
C TK - Tin gi cng ty Nam Thi: 46.000.000
B) N TK - Tin gi cng ty i Nam: 46.000.000
C TK - Tin gi cng ty Nam Thi: 46.000.000
C) N TK - Tin gi cng ty i Nam: 46.000.000
C TK 4271 - K qu m bo thanh ton: 46.000.000
D) N TK 4271 - K qu m bo thanh ton: 46.000.000
C TK - Tin gi cng ty i nam: 46.000.000
K TON NGN HNG

Cu 1: Khi pht hin c sai lm trong s i chiu do trung tm kim sot gi ti

ngn hng B phi lm g?
A) Vit cng vn hi li trung tm.
B) Lp bng k lin hng sai lm theo s liu ca trung tm v km cng vn gi i.
C) Lp bng k chng t hch ton vo ti khon lin hng sai lm v gi th tra sot ti trung
tm.
D)

Lp bng k lin hng sai lm lm chng t hch ton vo ti khon lin hng sai lm. Gi

bn k cho Trung tm kim sot.

Cu 2: Kim tra, kim sot trc, trong khi v sau khi cho vay nhm mc tiu g?--->
An ton vn v nhm thc hin cc nguyn tc tn dng
Cu s 59 Hy ch thch s cho thu ti chnh c 3 bn tham gia
A) (1) Tr tin thu, (2) k hp ng mau ti sn, (3) giao ti sn, (4) thanh l hp ng, (5)
tr tin, (6) tr tin thu tng nh k.
B) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn, (3) Tr tin, (4) tr tin mau
ti sn, (5) Bo hnh ti sn, (6) tr n.
C) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn cho thu, (3) k hp ng
k thut, (4) bn giao quyn s hu ti sn, (5) tr tin mua ti sn, (6) chuyn giao ti sn
cho ngi thu, (7) chuyn giao quyn s dng ti sn cho ngi thu, (8) nh k tr tin thu ti
chnh.
D) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn cho thu, (3) giao ti sn,
(4) Thanh l hp ng, (5) tr tin mua ti sn, (6) tr tin thu theo nh k.
Cu 3: Sau khi nhn c lnh chuyn N c u quyn (qua chuyn tin in t) nhng trn ti khon ca ngi phi nhn n khng c tin, th NH B phi lm g?
A) Hch ton cho ngi phi nhn N
B) Hch ton N TK tin gi ngi phi nhn N, C TK 5112
C) Hch ton N TK 5113 ch x l, C TK 5112 v bo cho khch hng np tin thanh ton.
D) Hch ton vo cc TK thch hp, chuyn in i trung tm thanh ton
Cu 4: Hy phn bit th thc thanh ton v phng thc thanh ton .
A) Phng thc thanh ton l thanh ton tin mt, th thc thanh ton l thanh ton chuyn
khon
B) Phng thc thanh ton tn ti ngoi ngn hng, th thc thanh ton l thanh ton qua
ngn hng. Mi th thc u c cc k thut nghip v ring thc hin.
C) Phng thc thanh ton l phng php, cch thc thanh ton do cc doanh nghip hoc c
nhn tho thun vi nhau; th thc thanh ton l nhng hnh thc c th, c th ch ho
bng cc vn bn php qui.
D) Phng thc thanh ton khng c ngn hng phc v, th thc thanh ton c ngn hng
phc v

Cu 5: V th tc cho vay theo ti khon n gin thng thng khc cho vay theo
lun chuyn th no?
A) Cho vay n gin, mi mn vay khch hng phi lm n xin vay; cho vay theo lun
chuyn khng lm n xin vay.
B) Cho vay n gin, khch hng phi lm kh c tng mn vay; cho vay lun chuyn khng
lm kh c.
C) Cho vay n gin khch hng lm giy ngh vay cho tng mn vay, c lnh tin
mt; cho vay lun chuyn lm giy ngh vay c nm, k hp ng tn dng, khng c
lnh tin mt.
D) Cho vay n gin khch hng phi lm giy ngh vay cho tng mn vay; cho vay
lun chuyn lm giy ngh vay tng nh k v k hp ng tn dng.
Cu 6: Chit khu thng phiu l g?
A) L vic ngn hng thng mi mua thng phiu ca ngi th hng trc khi thng phiu
n hn thanh ton, theo gi tr thun bng mnh gi tr chit khu v hoa hng
B) L loi hnh nghip v tn dng ngn hn ca ngn hng, bng hnh thc mua li ca thng phiu
C) L k thut cp tn dng, trong ngn hng nhn quyn i n ngi b k pht v ng
tin cho ngi th hng thng phiu
D) L vic mua thng phiu cha n hn thanh ton hng li sut chit khu v hoa hng
Cu 7: Khi cho vay thng thng tng mn, ngn hng qun l (khng ch) ch tiu
no?
A) D n cui k
B) Doanh s thu n
C) Thi hn cho vay
D) Doanh s (mc) cho vay
Cu 8: Ai c quyn quyt nh khoanh n ti khon vay ti ngn hng thng mi
quc doanh
A) Gim c ngn hng ni cho vay
B) Tng gim c cp trn ca ngn hng cho vay
C) Th tng Chnh ph
D) Thng c ngn hng nh nc
Cu 9: Cc ngun vn ca ngn hng thng mi, ngun no l ch yu v chim t
trng ln nht?
A) Vn huy ng
B) Vn lin doanh lin kt
C) Vn vay ca cc ngn hng bn trong nc v vay nc ngoi
D) Vn ch s hu, c phn, Nh nc cp
Cu 10: Sc chuyn khon khc sc bo chi nh th no?

A) Sc chuyn khon khng c lnh tin mt, sc bo chi c lnh tin mt

B) Sc chuyn khon thanh ton qua mt hay hai ngn hng, sc bo chi thanh ton qua
nhiu ngn hng
C) Sc chuyn khon khng m bo c thanh ton ngay khi pht hnh qa s d, sc bo
chi do ngn hng pht hnh nn m bo chc chn c thanh ton
D) Sc chuyn khon khc sc bo chi v mu sc, mu m, k hiu.
Cu 11: Cng ty Thnh thi c ti khon ti NH Cng thng ng a, lp mt UNT 50
triu ng i tin cng ty Hng H c ti khon ti NH nng nghip Thanh Xun.
Hai NH ny tham gia thanh ton b tr .
A) Ghi n TK cng ty Hng H :

NH Cng thng ng a hch ton nh th no?

50 tr

Ghi n TK cng ty Thnh Thi : 50 tr

B)

Ghi n TK Cng ty Thnh Thi : 50 tr

Chuyn 2 lin UNT cho NH nng nghip Thanh xun

C) Chuyn 3 lin UNT sang NH Nng nghip Thanh Xun. Khi c NH nng nghip Thanh
Xun thanh ton, NH ng a nghi:
N TK 5012: 50 tr
C TK cng ty Thnh Thi: 50 tr
D) Ghi n TK 5211: 50 tr
C TK cng ty Hng H : 50 tr
Cu 12: Nguyn tc no ca k ton ngn hng nhm p ng cho cng tc kim
tra d dng?
A) Kp thi, cp nht. To iu kin cho ngi hng c vn hot ng.
B) Khng ghi nhiu n, nhiu c. Ch ghi 1 n, nhiu c hoc 1 c, nhiu n.
C) Chnh xc cao, kim sot c hot ng ca Doanh nghip.
D) Ghi n trc, c sau. Ngi n tr tin ri; ngi mua mi c tin hot ng
Cu 13: Ngy nay NHTW cho php cc NHTM khi bo lnh c th khng cn trch
qu bo lnh, v sao?
A) V t l trch qu thp nn khng b p
B) V cc NHTM thm nh, kim sot kh tt nn khng c tnh trng mt an ton
C) V cc NHTM nhiu vn sn sng tr thay cho doanh nghip, m rng tn dng
D) V theo quy ch duy tr 8% vn t c trn Ti sn C, m bo iu chnh ri ro bo
lnh.
Cu s 13: Hi phiu l g?
A) L chng ch c gi do ngi k pht lp, yu cu ngi b k pht thanh ton khng iu
kin cho ngi th hng mt s tin nht nh khi c yu cu hoc vo mt thi gian nht
nh trong tng lai.
B) L mt lnh chi tin, ngi pht hnh trch ti khon ca mnh tr cho ngi ch n, yu cu
ngn hng thc hin lnh ny ngay khi nhn c hi phiu.

C) L chng ch c gi do ngi b k pht gi ngi ch n cam kt thanh ton khng iu

kin mt s tin xc nh cho ngi th hng trong mt thi gian nht nh trong tng lai.
D) L mt lnh thu tin, ngi pht hnh giao cho NH yu cu NH trch ti khon ca ngi mc
n tr cho ngi pht hnh hi phiu mt s tin nht nh, trong mt thi hn nht nh ghi
trong hi phiu.
Cu s 14: Ti sao i vi sc chuyn khon, ngi th hng sc thng tm n
ngn hng ni ngi pht hnh sc m ti khon np sc (v bng k np sc)
mc d ngn hng quy nh c th np bt k ngn hng no?
A) Ngi th hng sc mun c ghi C cho mnh trc, ghi N sau thu hi nhanh vn lu
ng cho sn xut kinh doanh.
B) Ngi th hng sc mun bit ngay c rng sc c thanh ton c khng, c bin
php gii quyt kp thi
C) Ngi th hng sc np sc ti ni ngi pht hnh sc m ti khon c th lnh tin
mt.
D) Ngi th hng sc mun np sc ni gn nht.
Cu 15: Trong bo lnh gin tip, ai c nhim v thng bo th bo lnh ti ngi th hng bo lnh?
A) Ngi c bo lnh
B) B ti chnh
C) Ngn hng trung gian
D) Ngn hng bo lnh
Cu 16: Cc ch th lin quan n lnh phiu gm nhng ai?
A) Ngi pht hnh, ngi th hng
B) Ngn hng, ngi mc n, ngi th hng
C) Ch n, doanh nghip, ngi phi tr n
D) Ngn hng, doanh nghip, ngi pht hnh
Cu 17: Trong thanh ton lin hng, trung tm kim sot i chiu c nhim v g
i vi cc ngn hng tham gia thanh ton?
A) Hch ton theo s liu ca ngn hng A chuyn n ngn hng B
B) Hch ton theo giy bo lin hng do ngn hng A gi ti.
C) Kim sot, i chiu v gi s i chiu ti ngn hng A v ngn hng B
D) Kim sot, i chiu, gi s i chiu ti ngn hng B
Cu 18: Phng thc cho thu ti chnh c bit, bn i thu li c ni dung nh th
no?
A) Ngi cung cp bn ti sn sau thu li
B) Ngn hng thu ti sn ca ngi cung cp ri cho ngi khc thu
C) Ngi thu bn ti sn cho cng ty cho thu ti chnh ri thu li ti sn
D) Doanh nghip th chp ti sn cho cng ty cho thu ti chnh vay tin

Cu 19: Nhng Doanh nghip vay v tr thng xuyn hng ngy, NH p dng ti
khon cho vay no?
A) Ti khon vay ngn hn, thng xuyn
B) Ti khon vay ngn hn, trung di hn, thng xuyn
C) Ti khon cho vay n gin, thng xuyn
D) Ti khon cho vay lun chuyn.
Cu 20: Cho thu ti chnh thu li vo khi no?
A) Khi ngi thu nhn ti sn thu.
B) Khi ht thi hn thu ti chnh.
C)

Theo tng nh k cng vi nh k tr tin thu.

D) Thu theo tha thun gia ngi i thu ngi cho thu.
Cu 21: Thanh ton b tr in t (TTBTT) khc thanh ton b tr (TTBT) th no v
th tc giy t?
A) TTBTT thc hin i vi cc Doanh nghip ni mng vi tnh vi NH, cn TTBT thc hin
i vi cc Doanh nghip cha ni mng
B) TTBTT thc hin i vi cc NH khc h thng cng tnh, thnh ph ni mng vi tnh,
TTBT p dng i vi cc NH cha ni mng
C) TTBTT khi thanh ton c truyn qua mng vi tnh, cn TTBT th phi gp nhau i
chiu v trao i chng t
D) TTBTT khng c cc cuc "hp ch" TTBT, cn TTBT thng xuyn phi c cuc "hp ch"
TTBT thanh ton
Cu 22: Mc phn quyt cho vay l g?
A) Tng d n mi NH c php d
B) S tin c th mi cp NH c quyt nh cho vay theo tng lnh vc kinh doanh
C) Tng doanh s cho vay mi doanh nghip
D) Tng doanh s cho vay tt c cc doanh nghip ti mt NH.
Cu 23: trnh c n kh i trong chit khu hi phiu, NH thng chp nhn
chit khu loi hi phiu no?
A) Hi phiu trn tr tin ngay khng iu kin.
B) Hi phiu ghi tn c thi hn thanh ton c m bo ca c quan cp trn.
C) Hi phiu km chng t, gm cc loi ho n hng ho c cht lng d tiu th, thu hi vn
nhanh.
D) Hi phiu c ngi b k pht chp nhn thanh ton
Cu 24: Xut pht t u m phi t ra nguyn tc tn dng l phi c mc ch?
A) NH khng mt vn
B) phc v sn xut, kinh doanh
C) V bn cht hot ng ca con ngi v tnh tt yu ca hot ng kinh t
D) V yu cu ca NH trung ng v lut NH.

Cu 25: Khi chit khu thng phiu (ng tin cho ngi xin chit khu), NH cn c vo
yu t no xc nh s ngy chit khu?
A) T ngy xin chit khu thng phiu n ngy phi thanh ton ghi trong thng phiu
khi pht hnh thng phiu
B) Thi gian c tnh t ngy pht hnh thng phiu n ngy phi thanh ton ghi trong
thng phiu khi pht hnh thng phiu
C) T ngy pht hnh thng phiu n ngy xin chit khu thng phiu
D) Cn c vo kh nng ngun vn ca NH v tho thun vi ngi xin chit khu thng phiu
Cu s 26: i tng vt t NH cho vay gm nhng loi g?
A) Tin lng, cc khon trch theo lng, cc nhu cu ti chnh cn thit
B) Thu xut nhp khu, thu GTGT
C) Gi tr tt c cc loi vt t hng ho v tt c cc loi chi ph cho sn xut.
D) Gi tr tt c cc vt t hng ho thc hin cc d n, phng n sn xut kinh doanh,
dch v, i sng.
Cu 27: Trong cho vay tng mn, NH p dng loi ti khon cho vay no?
A) Ti khon cho vay n gin.
B) Ti khon cho vay di hn
C) Ti khon cho vay lun chuyn
D) Ti khon cho vay ngn hn
Cu 28: U nhim chi l g?
A) Lnh ca ch ti khon yu cu ngn hng trch tin ca mnh chuyn vo ti khon
ca ngi th hng.
B) Lnh thanh ton ca ngn hng phc v bn bn. Yu cu ngn hng bn mua trch ti
khon ca ngi mua thanh ton cho ngi bn.
C) Lnh thanh ton ca ngi bn. Yu cu ngi mua trch ti khon tin gi thanh ton cho
mnh.
D) Lnh ca ngi bn hng yu cu ngn hng phc v bn mua trch ti khon ca ngi
mua thanh ton cho mnh.
Cu 29:Khi no th ngi c bo lnh phi n NH xin bo lnh?
A) Khi k hp ng vay vn hoc mua hng ho dch v nhng khng c i tc tn nhim,
i tc yu cu bo lnh.
B) Khi i vay n ca ngi nc ngoi, vay n ca cc bn hng khc, ca cc i tc khc
C) Khi phi thanh ton n vay hoc tin mua hng ho, cung ng dch v hoc cc khon phi
tr khc
D) Khi thiu vn sn xut kinh doanh
Cu 30: Trong cc h s NH cn thm nh cho vay theo d n, ngoi h s v t
cch php l, NH cn xem xt cc loi h s no?

A) Cc h s thc thi d n, gm quyt nh giao t, giy php xy dng, giy cp

t hoc giao quyn s dng t.
B) Thit k k thut, tng d ton c duyt, kin c quan c thm quyn, ngh quyt hi
ng qun tr v tt c cc h s thc thi d n.
C) Cc h s thc thi d n gm kt qa trng thu, bin bn k vi bn trng thu, cc
quyt nh b nhim ban qun l d n.
D) Cc h s thc thi d n gm giy php khai thc nguyn liu, vn bn chp thun v
x l mi trng, cc hp ng mua nguyn liu, hp ng bn sn phm hng ho sau khi d n
i vo hot ng.
Cu 31:Cc ch th lin quan n hi phiu l nhng ai?
A) Doanh nghip, NH v ngi mc n
B) Ch n, ngi mc n v NH
C) Ngi k pht, ngi b k pht v ngi th hng
D) Ngi k pht, ngi b k pht v NH
Cu 32: Sc bo chi c lnh tin mt trong trng hp no?
A) Khi ngi np sc ngh ngn hng cho lnh tin mt.
B) Khi ngi pht hnh sc chp nhn cho lnh tin mt.
C) Khng c lnh tin mt.
D) Khi ti khon ca ngi np sc c tin.
Cu 33: Hy trnh by cc hnh thc qun l d tr bt buc?
A) Qun l phong to ti NH trung ng v qun l khng phong to.
B) Qun l tng thng v tng qu
C) Qun l tng ln v tng mn
D) Qun l t l v qun l s tin
Cu 34: Khi chit khu thng phiu, ngn hng cn c vo u nh ngy tnh
li?
A)

Thi hn chit khu, t ngy c chit khu ti ngy thng phiu n hn thanh ton.

B) Ngy khch hng n xin chit khu

C) Thi hn thng phiu t ngy k pht n ngy ti hn thanh ton.
D) Ngy k pht thng phiu.
Cu 35: Ti sao tn dng phi c nguyn tc hon tr ng hn?
A) V mc tiu li nhun ca NH, cho vay ly li thc hin li nhun.
B) Hon tr ng hn l iu kin tn ti ca NH, ng hn l tnh k hoch ca ngun vn.
C) V l i, vay th phi tr
D) V NH l h thng ti chnh trung gian, i vay cho vay.
Cu 35: Theo i tng khch hng ngi ta chia ra cc loi NH no?
A) NH a nng, NH chuyn mn ho
B) NH Nng nghip, NH Cng thng

C) NH bn bun, NH bn l
D) NH Ngoi thng, NH u t
Cu 36: Thi hn cho vay tng mn c tnh ton theo cn c no?
A) Theo k lun chuyn vn tn dng
B) Theo chu k sn xut kinh doanh ca doanh nghip hoc Theo k lun chuyn tng loi vt
t hng ho cho vay
C) Theo tha thun gia ngi vay v NH
D) Theo li nhun dng tr n.
Cu 37: Kim tra kim sot tn dng gm nhng khu no?
A) Cho vay, pht tin, thu n
B) Kim tra t cch php, h s xin vay
C) Kim tra kh nng ti chnh, kim tra bng cn i k ton ca n v vay.
D) Trc, trong v sau khi cho vay
Cu s 30 : Sc chuyn tin do ai pht hnh:
A) Ngn hng
B) Ngi bn hng
C) Ngi mua hng
D) C 3 cu trn u ng
--------------------------------------------------------------------------------------------------------------------------------Cu s 31 : Theo phm vi nghip v ngi ta chia NHTM thnh nhng loi no?
A) NH Cng thng, Ngoi thng, Nng nghip
B) NH bn bun, NH bn l
C) NH quc doanh, NH c phn, ngn hng lin doanh, chi nhnh ngn hng nc ngoi ti
Vit nam.
D) NH a nng, NH chuyn mn ho.
Cu s 32 : NH chnh sch khc NH thng mi nhng im no l ch yu?
A) NH chnh sch khng cho vay ngn hn, NHTM cho vay ngn hn l chnh.
B) NH chnh sch l NH quc doanh khng c NH c phn, NHTM th c loi
C) NH chnh sch thuc Chnh ph, NHTM thuc NH trung ng
D) NH chnh sch hot ng khng v mc ch li nhun m theo mc tiu ring ca Chnh
ph, NHTM v mc tiu an ton nhng trc ht l li nhun
Cu s 33 : K hn n trong cho vay lun chuyn c xc nh theo yu t no?
A) Theo chu k sn xut kinh doanh ca doanh nghip
B) Theo k hn lun chuyn vn tn dng tc l90 ngy nhn (x) D n bnh qun chia (:)
Doanh s thu n
C) Theo thi hn lun chuyn vt t

D) Theo k lun chuyn vn lu ng ca doanh nghip tc l 90 ngy x S d vn lu ng

bnh qun chia (:) Doanh thu thun
Cu s 34 : Ch th no l ngi em thng phiu n NH xin chit khu?
A) Ngi k pht
B) Ngi b k pht
C) Ngi th hng thng phiu.
D) Ngi k pht, ngi b k pht
Cu s 35 : Mc cho vay vn lu ng k k hoch (M) c tnh ton theo cng thc no?
A) M = Tng nhu cu VL k hoch
B) M = Tng nhu cu VL - Vn t c x Vng quay VL
C) M = Tng nhu cu VLD x % vn t c trn doanh thu trong k
D) M = Tng nhu cu VL - Vn t c k hoch
Cu s 36 : Thanh ton in t lin ngn hng khc h thng so vi thanh ton qua ti khon
tin gi ti ngn hng Nh nc c iu g ging nhau v kt qu cui cng?
A) u s dng hnh thc thanh ton lin hng.
B) u l thanh ton gia cc ngn hng thng mi khc h thng.
C) u l thanh ton gia cc doanh nghip c quan h kinh t vi nhau nhng m ti khon
cc ngn hng thng mi khc tnh, thnh ph v khc h thng ngn hng thng mi.
D) u phi t kt qu cui cng l trch ti khon tin gi ti ngn hng Nh nc ca ngn
hng thng mi ny tr cho ngn hng thng mi kia
Cu 37: Ni dung nguyn tc bo m tin vay gm cc tiu chun no?
A) C ti sn th chp
B) C ngun thu nhp tr n, c ti sn th chp, kh nng ti chnh di do
C) C ti sn hnh thnh t vn vay ph hp vi giy php ng k kinh doanh
D) C nng lc (Capacity), c vn (Capital), c t cch (Character), iu kin (Conditions),
c vt th chp (Collateral).
Cu s 38 : Ngn hng Cng thng Thi Bnh nhn c mt giy bo C lin hng km hai
lin UNC gi ti, nhng ni dung l cng Hi Phng tr tin cho cho cng ty Thp Thi nguyn ti
khon ti NHCT Thi Nguyn. NHCT Thi Bnh x l nh th no?
A) Lp 3 lin giy bo lin hng gi NHCT Thi Nguyn.
B) Lp 3 lin giy bo lin hng, 1 lin hch ton lin hng i, 1 lin gi i NHCT Thi Nguyn
cng vi 2 lin UNC nhn c, 1 lin gi trung tm kim sot i chiu.
C) Tr li ton b chng t cho NH Hi phng, ni gi cc chng t i.
D) Chuyn tip ton b chng t n NHCT Thi Nguyn.
Cu s 39 : Thm nh kh nng ti chnh khi cho vay gm nhng ni dung g?
A) So snh s liu trn cn i k ton, v vn php nh ghi trong giy php so vi trn
cn i, cc ngun thu

B) Cc khon mc vn lu ng, hng tn kho, vn c nh trong bng cn i k ton ca 3

nm gn nht
C) Thm nh k hoch li nhun, khu hao, cc ngun thu tr n NH
D) Thm nh ngun vn ch s hu, tnh hnh cng n, hng tn kho, cc h s ti chnh,
kt qu kinh doanh nm trc, qu trc lin k, thng gn nht
Cu s 40 : Trng hp no th ngn hng tnh li theo tch s
A) Cho vay tng mn.
B) Tin gi hot ng u n.
C) Cho vay c k hn, tin gi c k hn.
D) Ti khon ca khch hng hot ng thng xuyn.
Cu s 41 : Vn tn dng di hn ca ngn hng c huy ng t ngun no?
A) Tin gi tit kim khng k hn ca dn chng
B) Tin gi ca cc t chc kinh t v ca dn chng
C) Tin gi tit kim di hn v ngn hng pht hnh k phiu thi hn trn mt nm
D) Vn t c ca ngn hng cho vay di hn v vn Nh nc cp cho vay di hn
---------------------------------------------------------------------------------------------------------------------------------Cu s 42
Cu hi :
Doanh nghip mun chuyn tin theo hnh thc sc chuyn tin, doanh nghip phi lm
nhng g? v hch ton nh th no?
A) Phi lp sc chuyn tin trc tip mang n ngn hng xin xc nhn "sc chuyn tin"
B) Phi lp 3 lin UNC em n ngn hng xin cp sc chuyn tin. Khi c ngn hng cp
sc, doanh nghip trc tip cm sc n ngn hng ni cn chuyn tin n
C) Phi lp 2 t sc chuyn tin v 4 lin UNC em n ngn hng lm th tc chuyn
tin
D) Lp 4 lin UNC, 2 t sc (bn chnh v bn ip) em n ngn hng ni chuyn tin
i
---------------------------------------------------------------------------------------------------------------------------------Cu s 43
Cu hi :
Ngn hng cp sc chuyn tin lm nhng vic g trc khi trao sc cho khch hng?
A) Nhn UNC ca ngi xin cp sc chuyn tin, cp sc chuyn tin cho khch
B) Nhn UNC, lp giy bo lin hng, ghi C TK "Lin hng i" chuyn tin, cp sc cho
khch
C) Nhn UNC, dng lin 1 UNC ghi N TK ngi xin cp sc, lin 2 ghi C TK "K qu bo m"
trao giy bo N (lin 3) v trao sc chuyn tin cho khch
D) Nhn UNC, nhn sc, ghi N TK tin gi ca ngi pht hnh sc, ghi C "Lin hng i"
chuyn tin, trao sc cho khch

Cu s 44
Cu hi :
Khi ngi th hng np sc bo chi vo ngn hng thanh ton, ngn hng ghi N ti khon
no, ghi c TK no, nu ngi th hng sc v ngi c bo chi sc cng m TK ti mt NH.
A) Ghi N ti khon "Tin k qi m bo thanh ton", ghi c TK tin gi ngi th hng.
B) Ghi N ti khon "Thanh ton b tr", ghi c TK lin hng
C) Ghi N ti khon ngi pht hnh sc, ghi c TK tin gi ngi th hng
D) Ghi N ti khon "Lin hng", ghi c TK 4271
---------------------------------------------------------------------------------------------------------------------------------Cu s 45
Cu hi :
Trong thanh ton b tr, cc chng t do khch hng lp gm nhng loi chng t no?
------------------------------------------------------------------------------------Tr li :
A) Sc, u nhim chi
B) Cc bng k thanh ton b tr
C) Cc t sc do n v mua ngn hng khc pht hnh, cc chng t gc sau khi ghi N
ti khon ca khch hng nh UNT, UNC, cc bng k np sc
D) Tt c cc chng t gc do khch hng lp v bng k thanh ton b tr
---------------------------------------------------------------------------------------------------------------------------------Cu s 46
Cu hi :
Cc ngun vn ca ngn hng thng mi, ngun no l ch yu v chim t trng ln nht?
------------------------------------------------------------------------------------Tr li :
A) Vn ch s hu, c phn, Nh nc cp
B) Vn huy ng
C) Vn vay ca cc ngn hng bn trong nc v vay nc ngoi
D) Vn lin doanh lin kt
---------------------------------------------------------------------------------------------------------------------------------Cu s 47
Cu hi :
Cho vay theo ti khon n gin, c thu n nh th no?
------------------------------------------------------------------------------------Tr li :
A) Thu n hng ngy bng cch trch ti khon tin gi cho ngi vay.
B) Ngi vay np tin vo ngn hng tr n theo nh k 10 ngy mt ln tr.
C) Thu n theo k hn ghi trong kh c.

D) Ngn hng trch ti khon tin gi ca ngi vay thu n mi thng mt ln.
---------------------------------------------------------------------------------------------------------------------------------Cu s 48
Cu hi :
Ti sao li sut tn dng di hn thng t ra cao hn li sut tn dng ngn hn?
------------------------------------------------------------------------------------Tr li :
A) V s dng vn di ngy hn phi tr li nhiu hn
B) Tn dng di hn u t ch yu vo ti khon c nh, ti sn ny mang li nhiu li
nhun hn nn li sut tn dng cao hn
C) Tn dng ngn hn, ngun vn bp bnh, khng hiu qu lm v s dng vn nn li sut
thp hn, tn dng di hn n nh thi gian nn li sut cao hn
D) Tn dng di hn c nhiu ri ro hn, ri ro v lm pht, v nn kinh t nn phi t li
sut cao hn
---------------------------------------------------------------------------------------------------------------------------------Cu s 49
Cu hi :
Cn c vo phng php pht hnh bo lnh, ngi ta phn bit nhng loi bo lnh no?
------------------------------------------------------------------------------------Tr li :
A) Bo lnh cht lng sn phm, bo lnh thanh ton, bo lnh hon tr vn vay
B) Bo lnh hon tin t cc, bo lnh thc hin hp ng
C) Bo lnh trong nc, bo lnh vay nc ngoi
D) Bo lnh trc tip, bo lnh gin tip, bo lnh gip lng, ng bo lnh
---------------------------------------------------------------------------------------------------------------------------------Cu s 50
Chng t gc trong k ton cho vay gm nhng chng t g?
Tr li :
A) Sc chuyn hon u nhim chi, u nhim thu, th tn dng.
B) Phiu lnh tin mt, sc tin mt.
C) Giy ngh vay vn, giy nhn n.
D) n sn xut kinh doanh, k hoch ti chnh.
---------------------------------------------------------------------------------------------------------------------------------Cu s 51
Thi hn n trong cho vay trung v di hn (T) c xc nh theo cng thc no?
Tr li :

A) T = mc cho vay chia (:) tng s khu hao, li nhun do vn vay to ra v ngun khc
tr n trong nm + thi gian n hn "
B) T = mc cho vay chia (:) tng s khu hao v li nhun tr n trong nm + thi gian n
hn
C) T = mc cho vay chia (:) tng s khu hao, li nhun v ngun khc tr n trong nm
D) T = mc cho vay chia (:) mc thu n mi nm
---------------------------------------------------------------------------------------------------------------------------------Cu s 52
V mt thi im pht hnh v v mt tin vn ca doanh nghip, thanh ton u nhim thu
khc thanh ton th tn dng nh th no?
Tr li :
A) U nhim thu do ngi bn lp. Th tn dng do ngi mua lp
B) U nhim thu tr tin t ngn hng bn mua. Th tn dng tr tin t ngn hng bn bn
C) U nhim thu pht hnh sau khi bn hng, ngi mua khng phi k qu trc. Th tn dng
thanh ton sau khi bn hng, ngi mua phi k qu trc khi m th tn dng
D) U nhim thu khc a phng hoc cng a phng, th tn dng ch thanh ton khc
a phng
---------------------------------------------------------------------------------------------------------------------------------Cu s 53
Khi thanh ton bng hnh thc UNC, doanh nghip phi lp 4 lin UNC. Vy 4 lin UNC doanh
nghip s dng nh th no?
Tr li :
A) 1 lin lu, 3 lin gi cho ngi th hng
B) Gi trc tip ti NH c 4 lin
C) 2 lin lm chng t hch ton bn N v 2 lin lm chng t hch ton bn C
D) 1 lin lu, 3 lin gi cho NH
---------------------------------------------------------------------------------------------------------------------------------Cu s 54
Khi ngn hng B nhn c cc chng t chuyn tin t ngn hng A gi ti gm cc lin UNC,
mt giy bo C lin hng, ngn hng B phi lm nhng g vi nhng chng t theo phng
thc i chiu phn tn?
Tr li :
A) 1 lin giy bo C lin hng ghi N TK lin hng n, 1 lin UNC ghi C ngi th hng, 1
lin UNC bo C ngi th hng
B) 1 lin UNC ghi N TK lin hng n, 1 lin UNC ghi C ngi th hng, 1 lin UNC bo C ngi
th hng
C) 1 lin giy bo C lin hng ghi N TK lin hng n, 1 lin giy bo C lin hng bo C
ngi th hng, 1 lin UNC lu

D) 1 lin giy bo C lin hng ghi N TK lin hng n, 1 lin giy bo C lin hng gi
trung tm kim sot, 1 lin UNC ghi C ngi th hng
---------------------------------------------------------------------------------------------------------------------------------Cu s 55
Thanh ton qua ngn hng hin nay gm cc th thc no?
------------------------------------------------------------------------------------Tr li :
A) Thanh ton b tr, thanh ton theo hp ng, UNC, Sc.
B) Thanh ton theo k hoch, thanh ton chuyn khon, thanh ton tin mt
C) Thanh ton qua nhiu ngn hng, thanh ton qua mt ngn hng.
D) Sc, u nhim chi, u nhim thu, th tn dng, thanh ton th
---------------------------------------------------------------------------------------------------------------------------------Cu s 56
Cu hi :
Bo lnh ngn hng l g?
------------------------------------------------------------------------------------Tr li :
A) L 1 loi dch v ngn hng gip cho cc n v kinh t quan h vi nhau thun li.
B) L mt loi hnh tn dng ngn hng, gip vn cho doanh nghip thc hin sn xut kinh
doanh.
C) L cam kt ca ngn hng bo lnh, chu trch nhim tr tin thay cho bn c bo lnh,
nu bn c bo lnh khng thc hin c ngha v vi bn yu cu bo lnh.
D) L loi m bo ca ngn hng Nh nc i vi cc ngn hng thng mi trong vic cung
ng vn tn dng.
---------------------------------------------------------------------------------------------------------------------------------Cu s 57
Cu hi :
Hy ch thch s cho thu ti chnh c 3 bn tham gia
------------------------------------------------------------------------------------Tr li :
A) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn cho thu, (3) k hp ng
k thut, (4) bn giao quyn s hu ti sn, (5) tr tin mua ti sn, (6) chuyn giao ti sn
cho ngi thu, (7) chuyn giao quyn s dng ti sn cho ngi thu, (8) nh k tr tin thu ti
chnh.
B) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn, (3) Tr tin, (4) tr tin mau
ti sn, (5) Bo hnh ti sn, (6) tr n.

C) (1) K hp ng thu ti chnh, (2) k hp ng mua ti sn cho thu, (3) giao ti sn,
(4) Thanh l hp ng, (5) tr tin mua ti sn, (6) tr tin thu theo nh k.
D) (1) Tr tin thu, (2) k hp ng mau ti sn, (3) giao ti sn, (4) thanh l hp ng, (5)
tr tin, (6) tr tin thu tng nh k.
---------------------------------------------------------------------------------------------------------------------------------Cu s 58
Cu hi :
Cho vay theo ti khon n gin c p dng cho loi khch hng no? th tc ra sao?
------------------------------------------------------------------------------------Tr li :
A) Khch hng l h nng dn, th tc n gin, ch cn ghi s
B) Khch hng l doanh nghip nh, th tc: ch lm n xin vay
C) Khch hng l c th, phi gi d n v k hoch
D) Khch hng l ngi vay khng thng xuyn, vng quay vn chm; th tc: gi d n kinh
doanh v n xin vay cho tng mn vay
---------------------------------------------------------------------------------------------------------------------------------Cu s 59
Cu hi :
Cho vay trung v di hn gm nhng loi hnh no?
------------------------------------------------------------------------------------Tr li :
A) Cho vay xy dung c bn v mua sm trang thit b
B) Cho vay chi ph cho d n v chi ph trc d n (tin d n)
C) Cho vay xy dung c bn, trang thit b v chi ph khc
D) Cho vay hnh thnh ti sn c nh v cho thu ti chnh
--------------------------------------------------------------------------------------------------------------------------------Cu s 60
Cu hi :
Khi pht hnh sc bo chi, doanh nghip phi lm nhng g?
------------------------------------------------------------------------------------Tr li :
A) Lp 2 lin giy yu cu bo chi sc k qu m bo thanh ton v vit sc trc tip em
n ngn hng
B) Vit sc, k sc, a trc tip n ngn hng, np tin mt vo NH
C) Vit sc, trch ti khon, np tin k qu bo chi.
D) Np tin vo ngn hng k qu bo chi sc, lp UNC, np sc
---------------------------------------------------------------------------------------------------------------------------------Cu s 61

Cu hi :
Tng mc u t l g?
------------------------------------------------------------------------------------Tr li :
A) L ton b chi ph u t v xy dng v l gii hn chi ph ti a c xc nh trong
quyt nh u t; bao gm cc chi ph chun b, chi ph thc hin.
B) Tng gi thnh cng trnh c b p bng vn t c v vay ngn hng.
C) L tng chi ph xy lp v chi ph thit b.
D) Tng gi tr cng trnh xy dng phi vay ngn hng.
---------------------------------------------------------------------------------------------------------------------------------Cu s 62
Cu hi :
Cho vay vn lu ng (cho vay ngn hn) gm 2 loi hnh ln. l g?
------------------------------------------------------------------------------------Tr li :
A) Cho vay hnh thnh ti sn lu ng v hnh thnh ti sn c nh ca doanh nghip
B) Cho vay n gin thng thng v cho vay lun chuyn
C) Cho vay theo d n, phng n sn xut v chit khu thng phiu
D) Cho vay mua sm d tr nguyn vt liu v cho vay chi ph sn xut khc
---------------------------------------------------------------------------------------------------------------------------------Cu s 63
Cu hi :
V hnh thc sc chuyn khon khc sc tin mt nh th no?
------------------------------------------------------------------------------------Tr li :
A) Sc chuyn khon khng c lnh tin mt, sc tin mt c lnh tin mt
B) Sc chuyn khon c pht hnh trao cho ngi th hng, sc tin mt c pht hnh
n ngn hng lnh tin mt
C) Sc chuyn khon do doanh nghip v c nhn pht hnh, sc tin mt do doanh nghip
pht hnh
D) Sc chuyn khon c ch "Tr vo ti khon"; sc tin mt khng c ch "Tr vo ti
khon".
Cu 64 : Khi tnh ton mc cho vay, ngn hng b ph thuc vo nhng yu t
no?
---> Mc khng ch trong phm vi 15% vn t c ca ngn hng, t trng vn t c ca
doanh nghip v gi tr ti sn bo m

Cu 65 : Mt ngn hng c s vn dng cho bo lnh l 300 t. Kh nng an ton bo

lnh l 95%. Hi tng mc bo lnh ca ngn hng l bao nhiu?
---> (300 t : 5%)

---------------------------------------------------------------------------------------------------------------------------------Cu s 66
Cu hi :
Theo quy nh ca Nh nc vn ch s hu ca ngn hng Thng mi phi bng bao nhiu
phn trm so vi ti sn c?
------------------------------------------------------------------------------------Tr li :
A) 50% k c vay cc ngn hng bn
B) 30% k c vay cc ngn hng trung ng
C) 15% k c d tr bt buc
D) 8% k c cc cam kt ngoi bng
---------------------------------------------------------------------------------------------------------------------------------Cu s 67
Cu hi :
i chiu bn N trong S i chiu lin hng l i chiu vi loi chng t no?
------------------------------------------------------------------------------------Tr li :
A) L i chiu s d N ti khon lin hng n
B) L i chiu cc giy bo C lin hng
C) L i chiu cc giy bo N lin hng
D) L i chiu s d C ti khon lin hng i
---------------------------------------------------------------------------------------------------------------------------------Cu s 68
Cu hi :
Khi m th tn dng (L/C) thanh ton vi nc ngoi, doanh nghip m L/C phi k qu mt
khon tin bng bao nhiu phn trm trn tr gi L/C m?
------------------------------------------------------------------------------------Tr li :
A) 100%
B) 50%
C) Theo tho thun gia ngn hng v doanh nghip
D) 10%
----------------------------------------------------------------------------------------------------------------------------------

Cu s 69
Cu hi :
ng Nguyn Vn An gim c Cng Ty TNHH Thnh Long pht hnh mt sc lnh lin mt
tr gi 10.000.000 ng, ngi ng tn trn t Sc l ng Hong Vn Th, ng Hong Vn Th
em sc n NH lnh tin mt (Sc hp l, hp php). K ton NH ghi s nh th no?
------------------------------------------------------------------------------------Tr li :
A) N TK 1111:10.000.000
C TK 4211(Cng ty Thnh Long): 10.000.000
B)

N TK 1011 : 10.000.000

C TK 4211(Cng ty thnh Long): 10.000.000

C)

N TK 4211 (Cng ty Thnh Long): 10.000.000

C TK 1111: 10.000.000
D) N TK 4211 (Cng ty Thnh Long): 10.000.000
C TK 1011: 10.000.000
---------------------------------------------------------------------------------------------------------------------------------Cu s 70
Cu hi :
Cng ty Gang thp Thi Nguyn trch ti khon 240 triu t ngn hng Cng thng Thi
nguyn tr cho Cng ty Dt Nam nh c ti khon ti ngn hng ngoi thng Nam nh theo
phng thc thanh ton in t lin ngn hng.
Ti Trung tm thanh ton quc gia v ti ngn hng ngoi thng Nam nh hch ton
nh th no?
------------------------------------------------------------------------------------Tr li :
A) Ti Trung tm thnh ton Quc gia
TK Tin gi NHCT VN
------------------------------------| 240.000.000
|

TK Tin gi NHNT VN
------------------------------240.000.000 |
|

Ti Ngn hng Ngoi thng Nam nh

TK 1113
------------------------------------240.000.000 |
|

TK Cty Dt
------------------------------| 240.000.000
|

B) Ti Trung tm thnh ton Quc gia

TK Tin gi NHCT VN

TK Tin gi NHNT VN

-------------------------------------

-------------------------------

240.000.000 |

| 240.000.000

Ti Ngn hng Ngoi thng Nam nh

TK 5191(5192) - Thu h chi h
-------------------------------------

TK Cty Dt
-------------------------------

240.000.000 |

| 240.000.000

C) Ti Trung tm thnh ton Quc gia

TK Tin gi NHCT VN
------------------------------------| 240.000.000

TK Tin gi NHNT VN
------------------------------240.000.000 |

Ti Ngn hng Ngoi thng Nam nh

TK 5212 - Lin hng n
-------------------------------------

TK Cty Dt
-------------------------------

240.000.000 |

| 240.000.000

D) Ti Trung tm thnh ton Quc gia

TK Tin gi NHCT VN
-------------------------------------

TK Tin gi NHNT VN
-------------------------------

240.000.000 |

| 240.000.000

Ti Ngn hng Ngoi thng Nam nh

TK 111 - Tin gi NH Nh nc
-------------------------------------

TK Cty Dt
-------------------------------

240.000.000 |
|

| 240.000.000
|

---------------------------------------------------------------------------------------------------------------------------------Cu s 71
Cu hi :
Cng ty Bnh Long trch ti khon tin gi 600 triu ng ti ngn hng Cng thng Cn
Th chuyn tr cho Cng ty Thnh t c ti khon ti ngn hng Nng nghip H ni theo phng thc thanh ton in t lin ngn hng.
Ti ngn hng Cng thng Vit nam hch ton nh th no?

------------------------------------------------------------------------------------Tr li :
A)
TK C.ty Bnh Long
------------------------------------600.000.000 |
|

TK C.ty Thnh t
------------------------------| 600.000.000
|

B)
TK NHCT Cn Th
------------------------------------600.000.000 |
|

TK NHNN H Ni
------------------------------| 600.000.000
|

C)
TK 1113 - Tin gi NHCTVN

TK 5191(5192)- Thu h chi h

ti NH Nh nc
-------------------------------------

-------------------------------

600.000.000 |

600.000.000 |

D)
TK 1113 - Tin gi NHCTVN

TK 5191(5192) - Thu h chi h

ti NH Nh nc
------------------------------------| 600.000.000
|

------------------------------600.000.000 |
|

---------------------------------------------------------------------------------------------------------------------------------Cu s 72
Cu hi :
Mun thanh ton theo th thc m th tn dng, n v mua hng phi vit 6 lin giy m th
tn dng np vo ngn hng phc v mnh. Ngn hng ny s dng 6 lin ny nh th
no?
------------------------------------------------------------------------------------Tr li :
A) 1 lin ghi N ngi m th tn dng, 1 lin bo N, 4 lin gi ngn hng bn bn

B) 1 lin ghi N, 1 lin ghi C cho ngi bn, 4 lin gi ngn hng bn bn
C) 1 lin ghi N ngi m th tn dng, 1 lin bo N, 1 lin ghi C TK k qu m bo thanh ton,
3 lin gi ngn hng bn bn
D) 1 lin ghi N, 1 lin bo N, 1 lin ghi C cho ngi bn, 1 lin bo C cho ngi bn, 2 lin gi
ngn hng bn bn
---------------------------------------------------------------------------------------------------------------------------------Cu s 73
Cu hi :
Hch ton ni bng khc hch ton ngoi bng nh th no?
------------------------------------------------------------------------------------Tr li :
A) Hch ton ni bng l hch ton phn tch; hch ton ngoi bng l hch ton tng hp.
B) Hch ton ni bng l hch ton trong bng bo co; hch ton ngoi bng l hch ton ngoi
bng bo co.
C) Hch ton ni bng l hch ton kp, 2 v, s liu phn nh trong cn i k ton; hch
ton ngoi bng l hch ton n, ghi chp nhp, xut, s liu ngoi bng cn i k ton.
D) Hch ton ni bng l bo co cn i k ton theo ti khon chi tit n bc 3, bc 4;
Hch ton ngoi bng l bo co hnh vn, thuyt minh c th tng khon.
--------------------------------------------------------------------------------------------------------------------------------Cu s 74
Cu hi :
Khi cho vay thng thng tng mn, ngn hng qun l (khng ch) ch tiu no?
------------------------------------------------------------------------------------Tr li :
A) Doanh s (mc) cho vay
B) Doanh s thu n
C) Thi hn cho vay
D) D n cui k
--------------------------------------------------------------------------------------------------------------------------------Cu s 75
Cu hi :
Ai c quyn xut qu d phng ri ro ca ngn hng thng mi b p cc khon tn
tht?
------------------------------------------------------------------------------------Tr li :
A) Th tng Chnh ph
B) B trng B Ti chnh
C) Thng c ngn hng Nh nc

D) Tng gim c (gim c) ngn hng thng mi

---------------------------------------------------------------------------------------------------------------------------------Cu s 76
Cu hi :
Cc cng trnh xy dng thuc nhm A do cp no quyt nh u t?
------------------------------------------------------------------------------------Tr li :
A) Cc B trng quyt nh cho ngnh mnh.
B) B trng B Xy dng
C) Ch tch UBND Tnh
D) Th tng Chnh ph.
---------------------------------------------------------------------------------------------------------------------------------Cu s 77
Cu hi :
Ti ngn hng bn bn, khi nhn c cc lin giy m th tn dng, ngn hng ny s dng nh
th no?
------------------------------------------------------------------------------------Tr li :
A) 1 lin ghi N lin hng i, 1 lin ghi C cho n v bn
B) 1 lin bo cho n v bn bit kh nng thanh ton ca n v mua, 1 lin km ha n
v giy bo N lin hng i do ngn hng lp ghi N lin hng i
C) 1 lin gi cho n v bn bit, giao hng cho n v mua, 1 lin km bng k ha
n lp giy bo N lin hng i, 1 lin km ha n ghi C n v bn
D) 1 lin ghi C cho ngi bn, 1 lin bo C, 1 lin ghi N lin hng i, 1 lin bo N
---------------------------------------------------------------------------------------------------------------------------------Cu s 78
Cu hi :
V mt xut pht im ca giy t thanh ton, u nhim chi khc u nhim thu nh th no?
------------------------------------------------------------------------------------Tr li :
A) U nhim chi do ngi mua lp tr tin, u nhim thu do ngi bn lp nh ngn
hng thu tin
B) Nu thanh ton khc ngn hng th lin 4 u nhim thu c tch ra theo di ngoi
bng ti ngn hng bn bn trc khi thanh ton, U nhim chi khng phi theo di
C) U nhim chi ghi N ngi lp giy t, u nhim thu th ngc li
D) Nu thanh ton khc ngn hng th u nhim chi c thanh ton ngay, u nhim thu phi
ch

---------------------------------------------------------------------------------------------------------------------------------Cu s 79
Cu hi :
Thng phiu gm c Hi phiu v Lnh phiu. Vy hi phiu khc lnh phiu ch no?
------------------------------------------------------------------------------------Tr li :
A) Hi phiu c 3 ch th lin quan, do ch n lp, c th tc chp nhn. Lnh phiu c 2 ch
th lin quan, do ngi mc n lp , khng c th tc chp nhn
B) Hi phiu l giy i n, do ch n pht hnh, cn lnh phiu l giy nhn n, do ngi n
pht hnh
C) Hi phiu yu cu ngi b k pht thanh ton cho ngi th hng, cn lnh phiu do ngi
mc n cam kt thanh ton v iu kin cho ngi th hng
D) Hi phiu c php c t ph nh km, cn lnh phiu th khng c php c t ph
---------------------------------------------------------------------------------------------------------------------------------Cu s 80
Cu hi :
S ngy tnh li trong thng c xc nh nh th no khi tnh li theo tch s?
------------------------------------------------------------------------------------Tr li :
A) Ly s 30 l s ngy trong thng chia cho s ngy c hot ng ca ti khon tm s
ngy bnh qun.
B) Cn c vo ngy hot ng trong s ti khon, phi m t s d u thng n tng s
d mi sau mi ln hot ng ca ti khon.
C) Cng tt c cc s d sau mi ln hot ng ca ti khon chia cho s ln hot ng.
D) Ly s ln hot ng ca ti khon nhn vi 1, chia cho 30 tm s ngy bnh qun.
---------------------------------------------------------------------------------------------------------------------------------Cu s 81
Cu hi :
Trong i chiu lin hng, i chiu bn C l i chiu vi loi chng t no?
------------------------------------------------------------------------------------Tr li :
A) L i chiu s d C ti khon lin hng i
B) L i chiu s d N ti khon lin hng n
C) L i chiu cc giy bo C lin hng
D) L i chiu cc giy bo N lin hng
Cu s 82
Cu hi :

Trong quy trnh thanh ton Sc chuyn tin, khi NH tin hnh tr tin cho khch hng theo
yu cu, nu NH tr tin mt th NH ghi s nh th no
------------------------------------------------------------------------------------Tr li :
A) N TK 4541
C TK1011 - Tin mt
B) N TK 454 - chuyn tin phi tr
C TK 1011 - Tin mt
C)

N TK 1011 - Tin mt

C TK 4272
D)

N TK 4271

C TK 1011 - Tin mt
---------------------------------------------------------------------------------------------------------------------------------Cu s 83
Cu hi :
Mun c ngn hng bo lnh, doanh nghip phi c y cc iu kin. Vy iu kin
no l ch yu?
------------------------------------------------------------------------------------Tr li :
A) T cch php nhn, c hp ng kinh t, kinh doanh c li
B) Tt c cc iu kin u cn thit v ch yu
C) C ti sn th chp, mc k qu
D) C tn nhim vi ngn hng, khng c n qu hn
---------------------------------------------------------------------------------------------------------------------------------Cu s 84
Cu hi :
Trnh by khi nim thanh ton khng dng tin mt .
------------------------------------------------------------------------------------Tr li :
A) L thanh ton chuyn khon thng qua cc ti khon NH
B) L phng thc chi tr thc hin bng cch trch tin t ti khon ti ngn hng ca ngi
chi sang ti khon ca ngi c hng.
C) L thanh ton bng sc, UNC, UNT, chuyn tin.
D) L thc hin cc th thc thanh ton qua ngn hng, lin hng bng cc nghip v ca
NH theo mu giy t qui nh.
---------------------------------------------------------------------------------------------------------------------------------Cu s 85
Cu hi :

S tin d tr bt buc cc NHTM phi gi vo NHT c tnh trn t l cc loi tin gi no?
------------------------------------------------------------------------------------Tr li :
A) Tin gi khch hng, tin gi khng k hn, tin gi tit kim
B) Tin gi c k hn thuc loi phi d tr bt buc, tin gi tit kim, tin gi h, tin gi
cc Kho bc Nh nc
C) Tin thu c t pht hnh giy t c gi, tin gi c k hn thuc loi phi d tr bt buc,
tin gi tit kim, tin gi h, tin gi kho bc nh nc.
D) Tin thu c t pht hnh giy t c gi, tin gi khch hng, tin gi c k hn, tin gi
khng k hn
---------------------------------------------------------------------------------------------------------------------------------Cu s 86
Cu hi :
NHCT Hai B Trng nhn c mt giy bo c lin hng ca NHCT Vng tu, s tin ghi trn
giy bo l 185 triu ng km mt chng t gc l UNC ca cng ty i Li Vng Tu tr tin
cho cng ty Hng Nam c ti khon ti NHCT Hai B Trng. Cc giy t u hp l, NHCT Hai B
Trng hch ton nh th no?
------------------------------------------------------------------------------------Tr li :
A)

N TK 5012: 185

C TK 4211 (Cng ty Hng Nam): 185

B) N TK 4211: 185
C TK 5012 (Cng ty Hng Nam):185
C) N TK 5212: 185
C TK 4211(Cng ty Hng Nam)185
D)

N TK 1011 : 185

C TK 5212: 185
---------------------------------------------------------------------------------------------------------------------------------Cu s 87
Cu hi :
Trong qui trnh cho vay theo d n u t, ngn hng phi thm nh nhng ni dung g?
------------------------------------------------------------------------------------Tr li :
A) Thit k k thut, tng d ton c duyt
B) Tng mc u t, cc ngun vn c nh v vn lu ng t c
C) Hiu qu ca d n
D) T cch php l, ti chnh ca d n v hiu qu ca d n
----------------------------------------------------------------------------------------------------------------------------------

Cu s 88
Cu hi :
thanh ton hng ho xut khu theo phng thc th tn dng (L/C), vic u tin quan
trng nht, nh xut khu phi lm th tc g?
------------------------------------------------------------------------------------Tr li :
A) Thng bo cho ngn hng bit v khch hng ca mnh (ngi mua hng)
B) Yu cu ngi mua m L/C (th tn dng)
C) Gi h s hng ho v b h s ti chnh n ngn hng
D) Gi hp ng mua bn hng ho ti ngn hng
---------------------------------------------------------------------------------------------------------------------------------Cu s 89
Cu hi :
Bo lnh ngn hng thuc loi nghip v tn dng g?
------------------------------------------------------------------------------------Tr li :
A) Tn dng ngn hn
B) Dch v ngn hng
C) Tn dng di hn
D) Tn dng trung hn
---------------------------------------------------------------------------------------------------------------------------------Cu s 90
Cu hi :
Ngn hng cng thng Ba nh cp cho cng ty i Nam 1 sc bo chi 46 triu ng tr
cho cng ty Nam Thi c ti khon ti ngn hng Nng nghip Gia Lm. Ti Ngn hng cng
thng Ba nh hch ton nh th no khi bo chi sc?
------------------------------------------------------------------------------------Tr li :
A) N TK 5211 - Lin hng i: 46.000.000
C TK - Tin gi cng ty Nam Thi: 46.000.000
B) N TK - Tin gi cng ty i Nam: 46.000.000
C TK - Tin gi cng ty Nam Thi: 46.000.000
C) N TK - Tin gi cng ty i Nam: 46.000.000
C TK 4271 - K qu m bo thanh ton: 46.000.000
D) N TK 4271 - K qu m bo thanh ton: 46.000.000
C TK - Tin gi cng ty i nam: 46.000.000