Questions from 31 to 35 are based on the following passage:
　　The exporter, as drawer of a draft (bill of exchange), hands the draft to his bank, the remitting bank, who in turn forwards it to the buyer through a collecting bank in the buyer’s country. A draft (also called a bill) is a written order to a bank or a customer to pay someone on demand or at a fixed time in the future a certain sum of money. If shipping documents accompany the draft, the collection is called “documentary collection.”
　　Documentary collection falls into two major categories: one is documents against payment(D/P); the other, documents against acceptance (D/A).
　　Documents against payment, as the term suggests, is that the collecting bank will only give the shipping documents representing the title to the goods on the condition that the buyer makes payment.
　　Where the paying arrangement is D/A, the collecting bank will only give the buyer the shipping documents after buyer’s acceptance of the bill drawn on him, i.e. the buyer signs his name on the bill promising to pay the sum when it matures. In return he gets what he needs – the shipping documents.
　　Under D/A, the seller gives up the title to the goods – shipping documents before he gets payment of the goods. Therefore, an exporter must think twice before he accepts such paying arrangement.

A:showing the bill of lading B:paying in cash C:making acceptance of the bill of exchange D:paying the bill of exchange

第二篇 Saving Money Where you save your money often depends on what you are saving for．If you are saving to buy a dictionary or to go to a concert，then probably keep your money somewhere in your room． If you are saving for a big purchase like a mountain bike or a school trip, where would you save your money? One place to save money is the bank．Putting your money in a savings account will help your money earn more money．If you put your money in a piggy bank(猪形储蓄罐)，one year later you’ll still have the same amount of money you put in．If you put your money in a savings account，one year later，you’ll have more money than you put in．Why?When you keep your money in a bank，your money earns interest．Interest is the amount of money a bank pays you to use your money. The bank uses your money(and the money of other people，too)to loan money to people and businesses． The bank will send you a statement several times a year．A bank statement tells you how much money there is in your account，It also tells you how much interest you have earned．If you leave your money in the bank，you can watch it grow! Another way you can save money is to buy a certificate of deposit or CD. If you have some money that you don’t need to use for a long time，this is a good way to make your money grow． You can buy a CD at a bank．You agree not to use the money for a certain period of time．That period might be from six months to five years You can’t touch your money during that time.If you do，you must pay a penalty，or fee. Since the bank is using your money for that time period，it will pay you interest．You will earn more interest with a CD than in a savings account．Can you guess why? It’s because you promise to leave your money in the bank for a certain period of time. Banks pay different rates of interest. So, you may want to compare rates in newspaper ads before buying a CD． Interest is the amount of money which

A:a bank lends to people． B:a bank loans to businesses． C:a bank pays you． D:a bank uses.

confirming bank

accepting bank

bank draft

negotiating bank

Principal，remitting bank，collecting bank，drawee是托收的当事人。( )

Remitting bank is the bank to which the（）entrusts the collection items.

A:principal B:payer C:drawee D:importer

Your customer asks your bank to handle a collection outwards on his behalf. Your bank is（ ）.

A:the reimbursing bank B:the negotiating bank C:the remitting bank D:the collecting bank