Trắc Nghiệm Thanh Toán Quốc Tế Tiếng Anh HUB là bộ đề ôn tập thuộc học phần “International Payment Methods”, giảng dạy bằng tiếng Anh tại Trường Đại học Ngân hàng TP.HCM (Ho Chi Minh University of Banking – HUB). Bộ đề được biên soạn bởi ThS. Nguyễn Minh Tâm, giảng viên Khoa Kinh doanh Quốc tế – HUB, vào năm 2024. Nội dung đề xoay quanh các phương thức thanh toán quốc tế phổ biến như Letter of Credit (L/C), Documentary Collection, Telegraphic Transfer; các văn bản pháp lý quốc tế như UCP 600, Incoterms; và phân tích các tình huống phát sinh trong giao dịch quốc tế. Hệ thống câu hỏi trắc nghiệm đại học bằng tiếng Anh giúp sinh viên tăng cường kỹ năng ngôn ngữ chuyên ngành và rèn luyện tư duy phân tích trong môi trường kinh doanh toàn cầu.
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Trắc Nghiệm Thanh Toán Quốc Tế Tiếng Anh HUB Đại học Ngân hàng TPHCM
Of course. Here is the revised final exam test bank, designed according to your specifications with a focus on academic rigor and balanced answer options.
FINAL EXAM REVIEW: INTERNATIONAL PAYMENTS
Suggested Time: 40 minutes
Total Questions: 30
1. In a documentary credit transaction, what is the fundamental nature of the issuing bank’s undertaking to pay?
A. This undertaking is dependent on the applicant’s ability to reimburse.
B. This undertaking is valid only if the goods match the sales contract.
C. This undertaking is independent of the contract and based solely on documents.
D. This undertaking can be cancelled by the issuing bank at any time.
2. According to the Uniform Rules for Collections (URC 522), what is the primary responsibility of the Collecting Bank?
A. To verify the authenticity and legality of the documents.
B. To act in good faith and exercise reasonable care per instructions.
C. To guarantee that the importer will make the payment.
D. To be liable for any losses arising from delays in transit.
3. In the “Documents against Payment” (D/P) method, what must the importer do to obtain the documents needed to claim the goods?
A. Sign an acceptance on a time draft issued by the exporter.
B. Request their bank to issue a payment guarantee to the seller.
C. Make an immediate payment for the full value of the draft.
D. Wire the funds directly to the exporter’s bank account.
4. An irrevocable Letter of Credit (L/C) has been issued. Subsequently, the importer and exporter agree to change some terms. When does this amendment become effective?
A. Upon the agreement of the applicant and the issuing bank.
B. Upon the agreement of the beneficiary and the advising bank.
C. Upon the agreement of the issuing bank, beneficiary, and confirming bank.
D. Upon the agreement of all parties, including the negotiating bank.
5. Which party bears the highest risk when using the Advance Payment method?
A. The importer, due to the risk of non-delivery or non-conforming goods.
B. The exporter, due to the risk of not receiving full payment.
C. The remitting bank, due to the potential credit risk.
D. The beneficiary’s bank, due to potential crediting difficulties.
6. A bill of exchange that demands “Payment at sight” is known as a:
A. Usance draft.
B. Fictitious draft.
C. Named draft.
D. Sight draft.
7. An L/C requires a “clean bill of lading”. The exporter presents a bill of lading with a notation: “some cartons are wet”. How will the document-checking bank handle this?
A. Consider this a discrepancy and reserve the right to refuse payment.
B. Accept the document, as this notation does not affect the contents.
C. Request the shipping company to re-issue a new, clean bill of lading.
D. Automatically contact the applicant for their opinion before deciding.
8. What is the role of the Advising Bank in a documentary credit transaction?
A. To undertake the payment obligation to the beneficiary.
B. To examine the details of all terms and conditions.
C. To negotiate the set of documents presented by the beneficiary.
D. To authenticate the letter of credit and forward it to the beneficiary.
9. In the “Documents against Acceptance” (D/A) method, what primary risk does the exporter face?
A. The risk that the importer will refuse to take up the documents.
B. The risk that the importer, after accepting, fails to pay at maturity.
C. The risk that the importer’s bank will lose the documents.
D. The risk that the importer will pay later than the sight date.
10. What core principle governs a bank’s examination of documents under the Uniform Customs and Practice for Documentary Credits (UCP 600)?
A. The principle of good faith, which allows for ignoring minor errors.
B. The principle of checking documents against the physical goods.
C. The principle of strict compliance, where documents are examined on their face.
D. The principle of flexibility, which permits amendments after presentation.
11. A Vietnamese company imports goods from Japan and chooses the Open Account method. This implies that:
A. The Japanese exporter ships goods and documents first, and payment is made later.
B. The Vietnamese importer must pay first, after which the exporter will ship.
C. Both parties open a joint account at an intermediary bank for payment.
D. The payment is secured through a standby letter of credit.
12. A “Transferable L/C” grants which party the right to request the bank to transfer the credit, in whole or in part, to one or more other parties?
A. The applicant (the importer).
B. The first beneficiary (the middleman).
C. The issuing bank.
D. The advising bank.
13. In a set of international payment documents, which document serves as evidence of the contract of carriage, a receipt for goods, and a document of title to the goods?
A. Commercial Invoice.
B. Packing List.
C. Certificate of Origin.
D. Original Ocean Bill of Lading.
14. Company A (exporter) requests its bank to negotiate a complying set of documents under an irrevocable L/C. The negotiating bank advances the funds. Subsequently, the issuing bank becomes insolvent. Who bears the ultimate risk?
A. The negotiating bank, for failing to assess the issuing bank’s risk.
B. The issuing bank, as it holds the ultimate payment responsibility.
C. Company A, if the negotiation was done “with recourse”.
D. The importing company, as it must find another bank to pay.
15. What is the fundamental difference between the Collection method and the Documentary Credit (L/C) method?
A. In collection, banks are intermediaries; in an L/C, the bank gives a payment undertaking.
B. The collection method is always processed faster than the L/C method.
C. The fees for a documentary credit are always lower than for a collection.
D. Collection is only for low-value, while L/C is for high-value transactions.
16. What benefit does a “Confirmed L/C” provide to the exporter?
A. It reduces the number of documents required for presentation.
B. It adds a second, definite payment undertaking from another bank.
C. It allows the exporter to receive payment earlier than stipulated.
D. It reduces the fees payable to the issuing and advising banks.
17. The validity period (expiry date) of a letter of credit is understood as the period:
A. from the L/C issuance date until the date goods are loaded.
B. from the date the seller receives the L/C until contract expiry.
C. from the issuance date until the final date for presenting documents.
D. from the date the buyer receives goods until final payment.
18. In a documentary collection transaction, if the importer refuses to pay, what should the collecting bank do?
A. Automatically sell the goods to recover the debt.
B. File a lawsuit against the importer in the local court.
C. Retain the documents and wait for the importer.
D. Immediately notify the remitting bank and await new instructions.
19. What is the typical purpose of using a “Standby Letter of Credit” (SBLC)?
A. To serve as a backup in case the buyer fails to fulfill a payment obligation.
B. To completely replace the use of a standard commercial letter of credit.
C. To guarantee that the quality of the goods delivered matches the contract.
D. To cover unforeseen expenses such as demurrage or storage fees.
20. A commercial invoice shows a total value of USD 50,000. However, the L/C specifies the value as “about USD 50,000”. According to UCP 600, an invoice value within what range is acceptable?
A. Exactly USD 50,000, with no deviation allowed.
B. Between USD 47,500 and USD 52,500 (a tolerance of 5%).
C. Between USD 45,000 and USD 55,000 (a tolerance of 10%).
D. Between USD 49,000 and USD 51,000 (a tolerance of 2%).
21. An L/C stipulates, “Documents to be presented within 21 days after the date of shipment but within the validity of the L/C”. This means:
A. The beneficiary can present on the 22nd day if L/C is still valid.
B. These two conditions are independent; meeting one is sufficient.
C. The date of shipment is the date the commercial invoice was issued.
D. The beneficiary must satisfy both time-related conditions.
22. Among the Incoterms rules, which one places the maximum level of obligation and risk on the exporter?
A. Ex Works (EXW).
B. Delivered Duty Paid (DDP).
C. Free Alongside Ship (FAS).
D. Free On Board (FOB).
23. Who is the drawer of the bill of exchange in a typical export-import transaction?
A. The issuing bank.
B. The exporter (the seller).
C. The importer (the buyer).
D. The shipping company.
24. The issuing bank received a set of documents with a discrepancy. The bank contacted the applicant, who waived the discrepancy. What is the bank’s next course of action?
A. The bank still has the right to refuse the documents.
B. The bank must require the beneficiary to amend all documents.
C. The bank should inform the beneficiary that payment will be delayed.
D. The bank must honor the presentation, as the applicant waived refusal.
25. Which payment method provides the most balanced security and risk for both the exporter and the importer?
A. Advance Payment.
B. Open Account.
C. Irrevocable Letter of Credit.
D. Clean Collection.
26. In which scenario is a “Back-to-Back L/C” typically used?
A. When an intermediary uses a master L/C as collateral for a second L/C.
B. When an importer wants to ensure absolute security for payment.
C. When an exporter does not trust the issuing bank’s standing.
D. When a transaction is of high value and requires multiple banks.
27. If a letter of credit does not state whether it is revocable or irrevocable, how is it treated under UCP 600?
A. It is deemed to be irrevocable.
B. It is deemed to be revocable.
C. It is considered legally invalid.
D. It requires clarification from the applicant.
28. Due to a typing error, the beneficiary’s name on the invoice is “VINAFOODS COMPANY,” while the L/C states “VINAFOOD COMPANY.” This error will be treated as:
A. A minor typo that can be overlooked without amendment.
B. An insignificant error that the bank will automatically correct.
C. A discrepancy, and the bank has the right to refuse the document.
D. The advising bank’s responsibility to re-verify.
29. To “discount a set of documents with recourse” means that:
A. The discounting bank will not claim the money back.
B. The discounting bank can claim back funds if not paid by the issuing bank.
C. The discount can only be performed after the issuing bank accepts.
D. The beneficiary must pay a penalty fee if documents are refused.
30. What is the primary purpose of requiring an “Insurance Policy/Certificate” in a set of documents?
A. To prove that the goods were manufactured to quality standards.
B. To ensure that the importer will make a full and timely payment.
C. To protect the goods against risks of loss or damage during transit.
D. To confirm the origin of the goods as required by the country.
