Facebook: @ www.facebook.com/ S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang 1 ĐỀ THI ANH VĂN MOODY VÀO ĐỀ SỐ 3 Đáp án + Dịch: Mr Nguyễn Lê Giang - Mail: legiang127@gmail.com Đề thi tương tự English Test cho các vị trí Tín dụng, Phê duyệt tín dụng, Kiểm soát nội bộ Vietcombank (Xem Đáp án từ Trang 5) 1. In assessing the likelihood of loan repayment, it is equally important to focus analysis on management skill and management integrity, since both are fundamental to successful business operations A. True B. False 2. In assessing the risk associated with loan repayment, it is equally important to focus analysis on management skill and management integrity, because ________________ . A. low integrity may be offset by successful application of business practices in highly competitive situations B. weakness in one must be offset by strength in the other if debt is to be serviced properly C. skill can rarely be supplemented readily from external sources D. both skill and integrity are fundamental to successful business operations Facebook: @ www.facebook.com/ S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang 2 3. In general, a firm that sells a minority of its output to any one buyer is said to have "power" or leverage, in that it can normally dictate the terms of the relationship to the purchaser. (24 Points) A. True B. False 4. If barriers to entry are considered to be low in a given industry, you could expect to see ________________ . A. a concerted effort on the part of firms in the industry to increase switching costs B. little effort on the part of firms in the industry to differentiate their product C. sustained attempts on the part of firms in the industry to minimise value-added product features D. sustained attempts on the part of firms in the industry to minimise advertising costs 5. If the bargaining power of buyers is weak in a given industry, the suppliers to that sector may well experience ________________ . A. movement by individual buyers to grow their volume of purchases. B. efforts by buyers to increase switching costs. C. pressure from buyers to drive up supply prices by threat of forward integration. D. demands from buyers to stretch trade payment terms. 6. If products are well differentiated in a given market, a potential entrant may face heavy development and advertising costs to establish itself and its product, thus reducing the threat of entry. A. True B. False Facebook: @ www.facebook.com/ S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang 3 7. Management succession is a critical issue to consider when analysing the management aspect of credit risk primarily because ________________ . A. corporate governance efforts suffer without smooth transition in management. B. it provides a head start on future lending relationships and opportunities. C. loans made now depend on cash flow in the future to be repaid as scheduled. D. it is important to know exactly who the bank will be working with should the current CEO depart. 8. Market overcapacity decreases credit risk because it suggests customers are demanding more of a given product than the borrower can produce. A. True B. False 9. Management experience plays an important role in the lending decision process because ________________ . A. the majority of firms that ultimately fail have inexperienced management. B. in the end, management is responsible for all the decisions and policies adopted and implemented by the company. C. experience in one business sector is easily transferable to other business sectors. D. management integrity is a function of job experience. 10. The degree of experience present in the upper management of a business plays a key role in assessing management risk because ________________ . A. most firms that go out of business do so because of inexperienced management.

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