The clicks-and-bricks retailer has a(n) _______ store for consumer shopping and also

conducts Web-based retail operations through the Internet.

a. chain

b. physical

c. retail

d. outlet

Business-to-government occurs when businesses use the Internet to communicate with

government departments, apply for contracts, and _______.

a. pay taxes

b. clear debts

c. sell goods

d. support finance

_______ is where you buy one product, and you are recommended to buy another product
that may go with it.

a. Cross – promotion

b. Free gift promotion

c. Discount promotion

d. Free sample promotion

_______ is a type of marketing which encourages people to buy a product or service in a

way that people are not aware of this marketing strategy.

a. Viral marketing

b. Stealth marketing
c. Paid marketing

d. Marketing mix

_______ is about how companies can best design their website by making it fast and easy to
navigate, a pleasant place to browse, and easy to find via search engines.

a. Web search

b. Web optimisation

c. Web application

d. Web connection

_______ is one of the 4Cs which discusses how much the customer has to pay for the
product.

a. Consumer behavior

b. Customer cost

c. Consumer price

d. Customer payment

The advertisement makes a number of _______ for the products which have little basis in
reality.

a. truths

b. facts

c. claims

d. profits

A(n) ______ refers to a company which has both online and high-street stores.

a. pure play retailer

b. e-marketing retailer

c. bricks-and-clicks operator

d. multi-channel marketing

Selling to the public on the Internet is defined as _______ e-commerce.

a. direct

b. supplier-to-consumer

c. target

d. business-to-consumer

A lot of people are not happy to receive emails about _______ as they just clutter up the
inbox.

a. products

b. informations

c. promotions

d. prices

For several years, many _______ companies didn’t make any money from their online
activities.

a. cyber

b. dotcom

c. viral

d. mutual

The marketing concept of _______ answers the question “How are you telling consumers in
your target group about your product?”
a. place

b. people

c. price

d. promotions

A _______ has become an essential part of doing business with consumers on the Internet.

a. cyberstore

b. viral marketing

c. store

d. website

______ is a system of buying and selling goods through the post.

a. Remote order

b. Far order

c. Mail order

d. Social order

The key factors that are involved in the marketing of a good or a service are Product,
_______, Place, and Promotion.

a. Power

b. Price

c. Plan

d. People

______ has radically changed marketing because it means you can have a much closer
relationship with the customer.
a. Traditional marketing

b. Conventional marketing

c. Word of mouth

d. E-marketing

A group of buyers with special needs, which may be profitable to sell to, is defined as a
_______.

a. focus group

b. specialised group

c. select group

d. niche market

Some marketing theorists believe that the 4Ps model is able to _______ to the changing face
of marketing in the digital world.

a. define

b. put

c. adapt

d. change

_______ is a type of marketing which helps companies create new media campaigns using
blogs and social network sites to communicate with their customers.

a. Social media

b. E-tailer

c. Social responsibility

d. E-commerce
The retailer generates _______ by selling their advertsing space on their website.

a. revenues

b. products

c. advantages

d. services

Product _______ are the attributes or characteristics of a product: quality, price, reliability,
etc.

a. features

b. promotions

c. images

d. authenticities

_______ refers to where the company is in relation to its competitors in terms of size,
growth, etc.

a. Competitive strategy

b. Competitive edge

c. Competitive position

d. Competitive threat

_______ is a form of Internet marketing where companies pay to increase the visibility of
their websites in search engine result pages.

a. Image advertising

b. Mass advertising

c. Search advertising
d. Scatter advertising

Câu hỏi 24

The _______ retailer enables Internet users to participate in retailing activities previously
restricted to store – based retailers.

a. real

b. physical

c. virtual

d. abstract

Câu hỏi 25

Customer Relationship _______ is a business process in which client relationships, customer

loyalty, and brand value are built through marketing strategies and activities.

a. Management

b. Department

c. Marketing

d. Purchasing

Câu hỏi 26

As opposed to _______, traditional marketing is a distinctly low technology business.

a. e-ballot
b. e-commerce

c. e-tailer

d. e-grocer

Câu hỏi 27

_______ refers to printed or electronic information used to help encourage people to buy a
product, for example information sheets, websites, etc

a. Marketing mix

b. Marketing collateral

c. Marketing strategy

d. Marketing campaign

Câu hỏi 28

_______ is a method of advertising which encourages web users to pass on a marketing

message to others, so that the message spreads like a virus to many users.

a. Viral marketing

b. Product placement

c. The 4Ps

d. Search marketing

Câu hỏi 29

_______ occurs when the customers get what they hoped for and their expectations are met.

a. Customer agreement

b. Customer involvement
c. Customer delight

d. Customer satisfaction

Câu hỏi 30

_______ refers to a customer's opinion of a business or a product and how they feel about a
brand including every direct or indirect experience.

a. Customer’s perception

b. Customer’s consumption

c. Customer’s recognition

d. Customer’s behavior
Câu hỏi 31

_______ is the process of gathering information about a market, analysing it, and
interpreting it.

a. Marketing mix

b. Marketing research

c. Marketing campaign

d. Marketing strategy

Câu hỏi 32
The Board of Directors are aware of the company’s challenge which is to _______ Internet
technologies into the company’s marketing processes.
a. combine

b. co-ordinate

c. integrate

d. associate

Câu hỏi 33

A company which only has online stores is known as _______.

a. e-businessman

b. e-marketing

c. e-commerce

d. e-retailer

Câu hỏi 34

The Internet service provider has introduced flat-race prices in an attempt to _______
customer defections.

a. delete

b. increase

c. stop

d. boost

Câu hỏi 35

_______ is a form of direct marketing which uses information of customers to generate

personalised communication in order to promote a product or service for marketing
purpose.
a. Transactions link

b. Database marketing

c. Customer profile

d. Data bank

Câu hỏi 36

E-marketing is the process of marketing a(n) _______ (company, product, or service) using
the Internet through computers and mobile devices mediums.

a. concept

b. idea

c. promotion

d. brand

Câu hỏi 37

There are many _______ of online marketing including better brand engagement, more cost
and time effectiveness, real-time results, etc.

a. efficiency

b. advantages

c. gains

d. achievements

Câu hỏi 38

E-marketing would be defined as the use of electronic media for _______.

a. marketing purposes

b. marketing plans
c. advertising purposes

d. marketing decisions

Câu hỏi 39

Web _______ allows companies to present visitors with unique experiences tailored to their
needs and desires.

a. finder

b. prioritisation

c. filter

d. personalisation

Câu hỏi 40

The company’s plan involves choosing their target customers and designing a persuasive
_______ to get them to buy their products and services.

a. marketing research

b. marketing channel

c. marketing concept

d. marketing mix

Câu hỏi 41

Some programs allow Internet users to screen out _______ they don’t want to see.

a. browsers

b. operators

c. companies

d. advertisements
Câu hỏi 42

_______ occurs when firms order from suppliers over the Internet, which is known as
business-to-business e-commerce.

a. E-procurement

b. Virtual supplying

c. Digital procurement

d. E-tailer

Câu hỏi 43

Retailing through the Internet requires more sophistication than setting up a website and
offering _______ for sale.

a. consumption

b. property

c. merchandise

d. promotion

Câu hỏi 44

_______ is the strategy for setting a low price to try sell a large volume and increase market
share.

a. Market penetration

b. Market segmentation

c. Market skimming

d. Market opportunities

Câu hỏi 45
The promotion variable can be further broken down into advertising, sales promotion,
personal selling, publicity, direct marketing and _______.

a. e-marketing

b. discount

c. pricing

d. purchasing

Câu hỏi 46

Online retailers try to lure customers away from their _______-and-mortar competitors.

a. rock

b. brick

c. traditional

d. physical

Câu hỏi 47

_______ marketing means promoting a business web page in order to bring in more visitors.

a. Technology

b. Computer

c. Oral

d. Website

Câu hỏi 48

_______ is knowing about the people or organisations who buy or will buy a product or
service of a company.
a. Market segment

b. Market intelligence

c. Market understanding

d. Market clarity

Câu hỏi 49

_______ is the process of advertising and selling products and services on the Internet, for
example, on a company website or by email.

a. E-business

b. E-commerce

c. E-banking

d. E-marketing

Câu hỏi 50

_______ are sent by companies to shops to pretend to be real consumers to see how the
company’s products are displayed, how sales people behave, etc.

a. Mystery shoppers

b. Shop researchers

c. Pretending shoppers

d. Mystery researchers

PRACTICE 2

Câu hỏi 1
Television advertising is the best way to ……… the image of the brand to our target
audience.
a. provide
b. transfer
c. invite
d. transmit

Câu hỏi 2
Taxas Instruments was able to cut its customer waiting time, which improved customer
……… of poor service.
a. belief
b. perception
c. thought
d. vision

Câu hỏi 3
Online marketing had led to McMahon increasing its gross ……… by 3 percent over the
last six months.
a. payments
b. profit
c. income
d. revenues

Câu hỏi 4
Our latest marketing ……….. aims to go beyond the basic features and emphasize the real
lifestyle benefits of the product.
a. struggle
b. strike
c. campaign
d. fight

Câu hỏi 5
One of the biggest assets is the ……….. a company has built up through marketing
campaigns.
a. customer thought
b. customer base
c. customer inspiration
d. customer behavior
Câu hỏi 6
The brand’s ……… can be attributed to the traditional values and luxury lifestyle that it
presents.
a. dividend
b. weakness
c. strength
d. contribution

Câu hỏi 7
We see our brands as ……… of our new range of products – they represent our company
in the marketplace.
a. spread
b. extension
c. expansion
d. delivery

Câu hỏi 8
The new group has made brands available exclusively for the Chinese market, which should
…….. sales.
a. start up
b. boost
c. take off
d. stretch

Câu hỏi 9
When a company decides how a product is marketed in relation to its other products, and to
competitors’ products, they are ………. their brand.
a. placing
b. engaging
c. locating
d. positioning

Câu hỏi 10
In the late 90s, Nike faced criticism about poor working conditions in its supplier factories
in Asia which severely ………. its brand.
a. identified
b. damaged
c. released
d. broke

Câu hỏi 11
The company decided that the objective was to develop positive attitudes and build ……….
among the consumers in order to induce them to purchase.
a. brand consumption
b. brand promise
c. brand awareness
d. brand extension

Câu hỏi 12
One of the biggest challenges that pharmaceutical brands face is the competition from
……… product.
a. generic
b. dishonest
c. fake
d. unreal

Câu hỏi 13
Brands are a mark of quality, and it is the brand name that distinguishes a product from
other similar products and give it a brand ………..
a. authenticity
b. recognition
c. position
d. identity

Câu hỏi 14
……… brands have the ability to cross both geographical and cultural boundaries, building
international reputations of quality.
a. Global
b. Local
c. Internationalized
d. Worldwide
Câu hỏi 15
In the case of luxury brands, companies have to be careful to avoid overexposure, which
could damage the exclusive aspect of the brand ……….
a. image
b. extension
c. picture
d. stretching

Câu hỏi 16
We can consider a brand as the ………. people have in mind when thinking about specific
products, services and activities of a company.
a. solution
b. suggestion
c. reference
d. idea or image

Câu hỏi 17
Google has ……… to brand itself as the search engine of choice for the Internet.
a. managed
b. used
c. diluted
d. recognised

Câu hỏi 18
Strong ……… helps consumers make sense of the vast number of product choices and
messages to find solutions that best their needs.
a. stretching
b. co-branding
c. extending
d. branding

Câu hỏi 19
It’s important to develop a deep understanding of consumer ……….. for each intended
foreign market.
a. intention
b. action
c. behavior
d. activity

Câu hỏi 20
Brand value is the ………. worth of your brand, if you have to sell it.
a. revenue
b. monetary
c. beneficial
d. cash

Câu hỏi 21
Fun, style and simplicity are some of Apple’s brand ………
a. activities
b. behaviors
c. reactions
d. attitudes

Câu hỏi 22
The best way to develop and sustain brand commitment among consumers is to ……….
your brand from others through quality and reliability.
a. distinguish
b. clarify
c. inherit
d. distract

Câu hỏi 23
We managed to ……… the product on the market within six months of identifying
consumer demand.
a. put
b. launch
c. provide
d. supply

Câu hỏi 24
Such ……… brands as Levi and Harley-Davidson have a timeless and mythical status.
a. own-label
b. iconic
c. enhanced
d. private

Câu hỏi 25
Many companies may ……… or even completely destroy a brand by overusing its logo on
unsuitable products.
a. dilute
b. boost
c. manage
d. disappear

Câu hỏi 26
A company should be ……… to build its brand and image among its clients.
a. committed
b. promised
c. encouraged
d. managed

Câu hỏi 27
The study of consumer behavior is a social science discipline that attempts to model and
understand the behavior of humans in the ………..
a. markethouse
b. platform
c. marketplace
d. place

Câu hỏi 28
Although our handling of complaints has improved greatly, it continues to be a significant
problem in terms of public ........
a. views
b. vision
c. perception
d. decision
Câu hỏi 29
Once the brand ………. has been established, the makers sometimes engage themselves in
brand extension.
a. recognition
b. name
c. loyalty
d. image

Câu hỏi 30
The successful branding and marketing of the new product has already ……… sales and
increased profits.
a. boosted
b. speeded
c. managed
d. diluted

Câu hỏi 31
There has to be a clear ………. because we don’t want this product to look too similar to
the others on the market.
a. classification
b. difference
c. differentiation
d. clarification

Câu hỏi 32
Consumers usually expect to pay less for products that are ……..
a. mapped
b. leveraged
c. unbranded
d. positioned

Câu hỏi 33
A brand name is valuable not only for the main products that are represented by the name,
but also for the range of ……. that accompany that name.
a. intangible assets
b. tangible advantages
c. intangible profits
d. tangible benefits

Câu hỏi 34
As brands are regarded differently in different markets, market positioning ………. can
influence consumer perception of the brand.
a. strategies
b. techniques
c. policies
d. inventions

Câu hỏi 35
_______ occurs when a company uses an existing brand name for new types of products.
a. Brand launch
b. Brand introduction
c. Brand spreading
d. Brand extension

Câu hỏi 36
A _______ is the name given to a product or group of products so that they can be easily
recognized.
a. brand
b. logo
c. prestige
d. reputation

Câu hỏi 37
Brand _______ refers to how the consumers see a brand; i.e., the values associated with the
brand.
a. extension
b. location
c. image
d. diversification

Câu hỏi 38
A trademark is the legal _______ for the brand, its logo, and its brand name.
a. contract
b. negotiation
c. protection
d. engagement

Câu hỏi 39
_______ is an intangible concept which defines the brand or refers to the core identity of the
company.
a. Brand vital
b. Brand essence
c. Brand basis
d. Brand core

Câu hỏi 40
When a company guarantees the quality and the use of their brand, they are making a
_______.
a. brand affluence
b. brand affiliation
c. brand promise
d. brand words

Câu hỏi 41
A private label brand or a(n) _______ is a brand that is made exclusively for the retailer that
sells it.
a. own brand
b. unique brand
c. only brand
d. single brand

Câu hỏi 42
A brand for which a business is best known and which represents its image most
appropriately is known as the _______.
a. generic brand
b. pioneer brand
c. flagship brand
d. recognised brand
Câu hỏi 43
_______ shows how consistent customers are in buying a company’s brand, how long they
have been buying, and how long they may buy.
a. Brand contribution
b. Brand vision
c. Brand assurance
d. Brand loyalty

44. _______ happens when a company emphasizes its characteristics and benefits in relation
to other companies.
a. Brand placement
b. Brand positioning
c. Brand situating
d. Brand locating

45. The best-selling brand in a product category is the brand _______.

a. pioneer
b. leader
c. volunteer
d. header

46. Brand _______ includes brand vision, brand mission, brand values, brand personality,
and brand tone of voice.
a. group
b. platform
c. diversification
d. portfolio

47. The value of a brand to its owner, presumed to be a leading indicator of future success, is
defined as _______.
a. brand equity
b. brand dividend
c. brand inheritance
d. brand profit
48. _______ refers to all companies or individuals involved in moving goods or services from
producers to consumers.
a. E-tailer
b. Wholesaler
c. Distribution channel
d. Product differentiate

49. Brand _______ is when consumers automatically associate a product name with a certain
slogan or attribute.
a. recognition
b. connection
c. positioning
d. understanding

50. Brand _______ is the sum of words, images, and ideas that a consumer associates with a
brand.
a. loyalty
b. authenticity
c. identity
d. awareness

PRACTICE 3

Fines are being introduced to penalize people who do not _______ their earnings from
investments.
a. open
b. disclose
c. offer
d. expose

Default means the borrower becomes _______ and cannot repay the debt.
a. insolvency
b. discretion
c. unsolvent
d. insolvent
The small loans given under microfinance schemes often have a high _______ rate – most
borrowers pay back in full.
a. repayment
b. transmission
c. requirement
d. charge

A _______ helps customers increase their income when they retire.

a. pension plan
b. maturity plan
c. retirement plan
d. switch plan

Central banks implement the _______ policies of government and set interest rates for other
banks.
a. currency
b. monetary
c. fiscal
d. cash

Local branch managers are encouraged to help local businesses and are authorized to
_______ loans and overdraft.
a. make
b. decide
c. grant
d. cater

Most bank customers’ use of overdraft _______ is unintentional in nature.

a. tasks
b. loans
c. facilities
d. funds

Banks would start taking too many _______ if they could always expect central bank rescue.
a. disadvantages
b. dangers
c. difficulties
d. risks

A long-term bank loan has a _______ of more than 5 years and is a secured loan.
a. profile
b. mature
c. maturity
d. portfolio

A person is a 'known risk' when they have a _______ of previous borrowings, categorizing
them as low risk.
a. credit loan
b. credit limit
c. historical credit
d. credit history

Banks know from experience how much cash to keep in their _______ for customers'
withdrawals.
a. funds
b. reserves
c. accounts
d. savings

With Internet shopping growth, customers can _______ and choose more than ever.
a. catch
b. take
c. pick
d. point

Age restrictions, ID requirements, and low profitability of small _______ accounts can limit
access for young people.
a. budget
b. deposit
c. steak
d. share
Customers don’t worry about security; the bank uses encryption to _______ their assets.
a. submit
b. open
c. protect
d. accept

Electronic money offers more _______ than cash due to its security features.
a. flexibility
b. service
c. convenience
d. security

Grameen Bank differs from conventional banks by not charging a _______ for late loan
payments.
a. guarantor
b. deposit
c. collateral
d. penalty

Many loans now have _______ or variable interest rates based on money supply and
demand.
a. floating
b. drowning
c. swimming
d. sinking

Microfinance's original strategy was _______ oriented to eliminate poverty.

a. unbeneficial
b. unprofitable
c. non-profit
d. non-revenue

Banks usually study a company’s financial situation to _______ the risk of lending.
a. decide
b. review
c. understand
d. assess

Organizations use the money markets as a(n) _______ to borrowing from banks.
a. alternative
b. change
c. shift
d. replacement

The Mondex system offers _______ because of its easy-to-use wallet and reader.
a. service
b. transfer
c. security
d. convenience

Microfinance provides financial services to _______ people.

a. poverty
b. low-income
c. wealthy
d. rich

Microfinance organizations often _______ difficulties when lending larger sums, needing
thorough due diligence.
a. integrate
b. negotiate
c. encounter
d. study

Microfinance demand for credit can be hard to meet due to _______ on lending amounts.
a. sustainability
b. association
c. limit
d. finance

Conventional banks operate on the principle: the more you have, _______ you can get.
a. the little
b. the much
c. the less
d. the more

Most customers prefer to do their _______ banking at the bank.

a. single
b. current
c. personal
d. free

The report claims over 20 percent of "British" brands are owned by foreign _______.
a. entries
b. concepts
c. guarantors
d. entities

Internet banking enables users to _______ online between accounts.

a. transfer funds
b. offer money
c. offer interest
d. deposit money

As debt _______ providers, returns are based solely on loan interest received.
a. giving
b. supporting
c. funding
d. services

Low-income people lack access to traditional banks because they lack assets as _____.
a. asset
b. property
c. security
d. liability

We offer standardized loans, so terms and _______ are equally favorable for all.
a. requirements
b. regulations
c. limits
d. conditions

Câu hỏi 32
Despite sitting on a large number of orders, companies may still have _______ problems if
they have been unable to produce due to a period of downtime.
a. cash-flow
b. reserve
c. support
d. savings

Câu hỏi 33
The _______ on who was eligible for a mortgage made it impossible for many low-income
families to borrow money.
a. rules
b. obligations
c. restrictions
d. prohibitions

Câu hỏi 34. The microfinance institution’s principle is _______ you have, the more
attractive you are.
a. the less
b. the little
c. the more
d. the much

Câu hỏi 35. ______ is a kind of a short-term bank loan offering money for household
appliances.
a. Consumer credit
b. Short-term loan
c. Long-term loan
d. Consuming credit
It is a big responsibility to act as a(n) _______ for a loan; i.e., you are responsible if the loan
is not paid back.
a. guarantor
b. depositor
c. entity
d. provider

Câu hỏi 37
If you have poor _______, it’s often difficult to get a loan unless you have a personal
guarantor.
a. debit trustworthiness
b. credit belief
c. credit limit
d. credit rating

Câu hỏi 38
Microfinance is hoped to help low-income people out of _______.
a. prosperity
b. poverty
c. control
d. management

Câu hỏi 39
As a rule, microcredit loans are not backed by collateral leaving no means of financial
_______ for the lenders if they are not repaid.
a. overcome
b. gain
c. recovery
d. achievement

Câu hỏi 40
Our products for _______ customers include business overdrafts, loan repayments that reflect
your cash flow, and commercial mortgages.
a. individual
b. only
c. corporate
d. single
A current bank account pays little or no interest to the holders. It allows the customer to
_____ their money at any time
a. attract
b. access
c. manage
d. open

Câu hỏi 42
The bank will _______ the customer for cutting short their loan.
a. finance
b. support
c. penalize
d. manage

Câu hỏi 43
It is increasingly common for companies to look at alternative ways to _______ because
banks are refusing credits.
a. collect credit
b. raise finance
c. support finance
d. earn finance

Câu hỏi 44
The goal of microfinance is to ultimately give impoverished people an opportunity to
become _______.
a. self-discipline
b. self-esteem
c. self-confidence
d. self-sufficient
Câu hỏi 45
Borrowers can usually get a _______ interest rate if the loan is guaranteed by securities or
other collateral.
a. higher
b. riskier
c. lower
d. long-term
Mondex is used to transfer money between personal cardholders as well as from consumers
to _______.
a. retailers
b. POS device
c. the wallet
d. depositors

Câu hỏi 47
The interest rate on a loan depends on how _______ it is for the bank to lend the money.
a. available
b. risky
c. dangerous
d. private

Câu hỏi 48
With standardized products, all cutomers are _______ the same interest rate.
a. taken
b. charged
c. fined
d. required

Câu hỏi 49
Banks always need liquidity, so they can’t lend all their money in loans with long _______.
a. conditions
b. maturities
c. times
d. days
Câu hỏi 50
In developing countries, particularly in rural areas, low-income people tend to fulfil their
everyday needs by _______ things that are surplus such as agricultural products, jewellery
and handmade crafts.

a. applying
b. paying
c. bartering
d. Earning
1. The EU’s Electronic Equipment Directive makes manufacturers responsible for the
collection and _______ of electronic products.

a. distribution
b. disposal
c. delivery
d. logging

Câu hỏi 2
CSR lays the foundations of companies' ethics, principles and _______, helps to reduce the
environmental impact of business activities and improves overall working conditions.
a. behaviours
b. clues
c. cultures
d. values

Câu hỏi 3
Organisations have benefited by _______ strategic approaches to environment and social
issues.
a. adopting
b. working
c. accepting
d. expecting
Câu hỏi 4
It is argued that this management of the environmental and social risks has a _______ on the
market value of a company in the long term.
a. negative effect
b. internal affect
c. positive effect
d. side effect

Câu hỏi 5. Many companies develop community projects to _______ negative impact or
‘give back’ to the community and local workforce.
a. resolve
b. offset
c. delete
d. eliminate

Câu hỏi 6
If the CEO had not admitted _______ at the last minute, our manager would have come
under suspicion.
a. illegal-doing
b. falsedoing
c. illegalness
d. wrongdoing

Câu hỏi 7
The federal government is facing a harder time obtaining resources to fund social _______.
a. justice
b. standards
c. issues
d. programs

Câu hỏi 8
CSR can seem to have ______ ownership of a vast number of issues, from work-life balance
to procurement policies for suppliers and contractors to customer service.
a. driven
b. set
c. taken
d. made

Câu hỏi 9
Toyota mapped out the company’s strategy for _______ growth in the 21st century.
a. fixed
b. sustainable
c. stable
d. longlife

Câu hỏi 10
A lot of companies worldwide are now more accountable for their ethical _______.
a. performance
b. conduct
c. activity
d. action

Câu hỏi 11
The business of business should not be about money, it should be about _______, i.e., it
should be about public good, not private greed.
a. justice
b. responsibility
c. welfare
d. charity

Câu hỏi 12
There is an increasing demand for chocolate that is produced and sold through fairtrade
_______, particularly in Europe.
a. decisions
b. agreements
c. tickets
d. promises
Câu hỏi 13
The company has been making every effort to get rid of age and gender _______.
a. discrimination
b. favour
c. reference
d. difference

Câu hỏi 14
CSR lays the _______ of companies’ ethics, principles, and values.
a. basis
b. belief
c. foundations
d. ground flour

Câu hỏi 15
Corporate giving is more easily dismissed as _______ than other forms of corporate social
responsibility.
a. a promotion
b. a PR exercise
c. betrayal
d. a commercial

Câu hỏi 16
The Social Venture Network applies capital to enterprises that reduce poverty and advance
social _______.
a. reporting
b. justice
c. performance
d. exercise

Câu hỏi 17
People are going to want, and be able, to find out about the _______ of a brand, whether it
is doing the right things socially, economically, and environmentally.
a. labourship
b. friendship
c. citizenship
d. proprietorship

Câu hỏi 18
The code of professional conduct requires directors to act with _______ and probity, and to
accept that failure to comply carries the threat of fines.
a. standard
b. integrity
c. truthfulness
d. dishonesty

Câu hỏi 19
It faces the most serious charges of professional _______ yet brought against a big
accountancy firm, with claims that it deliberately concealed evidence of fraud.

a. misbehaviour
b. obedience
c. mismanners
d. misconduct

Câu hỏi 20
Governments can legally limit the amount of carbon a company can emit by _______ it.

a. producing
b. restricting
c. capping
d. stopping

Câu hỏi 21
We need to examine how much packaging _______ we produce.
a. destruction
b. substance
c. waste
d. output

Câu hỏi 22
CSR has built-in incentives for hypocrisy because when businesses face a(n) _______
between making money and social responsibility, making money tends to prevail.
a. contrary
b. conflict
c. opposition
d. argument

Câu hỏi 23
They tightened the city’s ethics _______ after a string of ethical lapse came to light,
including city managers hiring their relatives.
a. law
b. policy
c. restriction
d. strategy

Câu hỏi 24
The recall of over three million cars was a real ________ to the company’s reputation for
quality vehicles.
a. strike
b. hit
c. blow
d. slap

Câu hỏi 25

With the 24/7 media world, more companies are being brought to account for how they do
their business, especially those involved in any _______ scandals.
a. group
b. company
c. organization
d. corporate
Câu hỏi 26
Why should these giant corporations, whose primary purpose for existence is to ______
profits for their shareholders, be concerned with becoming good global citizens?
a. upsize
b. optimize
c. maximize
d. minimize

Câu hỏi 27
Shell views openness and transparency as an essential part of the long-term energy _______
for the global business environment.
a. policy
b. solution
c. outcome
d. resolution

Câu hỏi 28. Accountability reports are standard practice nowadays but a business can always
find ways to hide _______ activities.
a. illegal
b. criminal
c. unprofessional
d. ethical

Câu hỏi 29
There were questionable ethical _______, including whether he helped a company that
hired his brother as a lobbyist.
a. programs
b. worries
c. concerns
d. issues

Câu hỏi 30
Companies are often requested to _______ their stance on environmental issues.
a. open
b. reveal
c. review
d. show

Câu hỏi 31
Community investment covers a whole _______, including running health programmes,
sponsoring schools, employee volunteering schemes, etc.
a. amount of services
b. range of facilities
c. range of initiatives
d. range of actions

Câu hỏi 32
Individuals and companies are increasingly aware of their carbon _______ and take measures
to reduce it.
a. footprint
b. substance
c. release
d. pollutant

Câu hỏi 33
CSR helps to reduce the environmental _______ of business activities and improves overall
working conditions.
a. efficiency
b. drawbacks
c. impact
d. effectiveness

Câu hỏi 34
The four key ______ to the BBC's CSR policy focus on the impact the organisation has on
the community, the physical environment, the marketplace, and the workplace.
a. areas
b. components
c. factors
d. fields

Câu hỏi 35
Although the money had been collected _______, the committee legalized the funds and
used them to pay off debts.

a. unlawfully
b. incorrectly
c. criminally
d. illegally

Câu hỏi 36
His lawyers have argued that the transactions were completely above _______ and approved
by the other directors.

a. fairness
b. board
c. truth
d. fact

Câu hỏi 37
For a company to be socially _______, it first needs to be accountable to itself and its
shareholders.

a. committed
b. believable
c. reliable
d. responsible

Câu hỏi 38
Some CSR professionals argue that the measurement of the _______ relative to the efficient
provision of customer service is the correct definition of the role of CSR.

a. work-life balance
b. life-work statement
c. life-work balance
d. work-life comparison

Câu hỏi 39
People who make ______ insurance claim are liable to prosecution.
a. incorrect
b. inappropriate
c. fake
d. fraudulent

Câu hỏi 40

The fall in Wall Street had a _______ effect in London and by the end of the day the FTSE
was down sixteen points.
a. knock-on
b. run-off
c. carry-on
d. pay-off

Câu hỏi 41
Businesses are increasingly aware of the importance of social and environmental issues for
their _______.
a. fame
b. faces
c. realization
d. reputation

Câu hỏi 42
Different individual self-interests can have a negative effect on corporate profits and hence
reduce overall social _______.
a. poverty
b. welfare
c. development
d. wealth

Câu hỏi 43
The business world is a ______ environment where only the fittest survive - CSR, with its
moral considerations, has no part to play in it.

a. cat-eat-cat
b. bull-eat-bull
c. bear-eat-bear
d. dog-eat-dog

Câu hỏi 44
CSR is nothing more than a PR (Public Relations) exercise, designed to communicate a
positive image of the company to the ______world.

a. outdoor
b. indoor
c. inside
d. outside

Câu hỏi 45
Minimizing the company’s _______ impact, particularly around highly visible aspects of its
operations, is a particularly popular tactic.

a. responsible
b. environmental
c. social
d. reliable

Câu hỏi 46
Business should avoid participating in _______ that are not related to their core business
focus or that violate the company’s ethical standards in any way.

a. charitable issues
b. charitable efforts
c. donation issues
d. charity behaviours

Câu hỏi 47
The introduction of stringent rules and heavy fines has led to less waste being _______ into
the sea.

a. distributed
b. discharged
c. placed
d. delivered

Câu hỏi 48

Our new green _______ can be included as part of our re-branding exercise.
a. strikes
b. ambitions
c. opportunities
d. policies

Câu hỏi 49
Some people argue that companies have to be careful never to cheat customers, but for
purely business reasons, rather than ______ ones: disappointed customers will not buy any
more of your products in future.

a. profitable
b. ethical
c. economical
d. lucrative

Câu hỏi 50
He argues that corporate _______ transforms the culture of the firm concerned.
a. purpose
b. philanthropy
c. approach
d. duty

As large chains such as J.C. Penny make _______ moves to stand-alone stores, what should
traditional shopping malls do?
a. restraint
b. direction
c. strategy
d. defence

Câu hỏi 2
The company set up the new office in Shanghai just two years ago and it’s already our most
successful _______.

a. operation
b. department
c. integration
d. corporation

Câu hỏi 3
We try to get our _______ across to the customer at every opportunity.
a. technique
b. truth
c. philosophy
d. thought

Câu hỏi 4
Managers in every type of organisation need to take corporate _______ that can drive the
business into consideration.
a. punishment
b. strategy
c. advantage
d. disadvantage

Câu hỏi 5
The organisation’s _______ statement is a useful starting point for setting realistic objectives.

a. balance
b. perception
c. assumption
d. mission

Câu hỏi 6
The company bought out one of its biggest rivals because it was part of their strategy to
broaden their _______.

a. customer basis
b. customer content
c. buyer base
d. customer base

Câu hỏi 7
An important part of their strategic planning process is ensuring their _______ are used
more effectively.

a. goals
b. resources
c. assets
d. infrastructure

Câu hỏi 8
The company is closing one of the plants because they want to concentrate investments on
the most _______ models.

a. beneficial
b. cost-consuming
c. decisive
d. profitable

Câu hỏi 9

You can read about the company’s goals and _______ in the company’s mission statement.

a. resources
b. conducts
c. beliefs
d. values

Câu hỏi 10
In banks in the European Union, 25 separate national rules and all sorts of exceptions may
result in stifling competition rather than _______ it.

a. encouraging
b. offering
c. competing
d. protecting

Câu hỏi 11
The Federal Trade Competition rejected the idea that the combined companies would
_______ competition, noting that the two parties weren’t direct competitors.

a. dominate
b. encourage
c. harm
d. protect
Câu hỏi 12
_______ banking services include current accounts, savings accounts, credit facilities,
insurance and the ability to transfer funds across borders.

a. Low-income
b. Luxurious
c. High
d. Traditional

Câu hỏi 13
Competitors should welcome new entrants to the credit market because it widens their
choices and lowers the cost of credit by _______ competition.
a. cutting
b. sharpening
c. rising
d. providing

Câu hỏi 14
The manager was criticized for being too Eurocentric and failing to pay sufficient attention
to the competitive _______ from Southeast Asia.

a. resources
b. threat
c. vision
d. disadvantage

Câu hỏi 15
Mall stores are under the most competitive _______ that they’ve been under in their 40-year
history, with new discounters and superstores increasingly moving in alongside traditional
malls.
a. exhaustion
b. pressure
c. prevention
d. encouragement
Câu hỏi 16
For the price-conscious consumers, alternative retail outlets can offer products at more
_______ prices.
a. competitive
b. competing
c. strategic
d. acquisitive

Câu hỏi 17
BankOne will enhance its competitive _______ and boost its financial growth through the
transactions.
a. direction
b. position
c. location
d. placement

Câu hỏi 18
If an industry has low entry barriers and is attractive because of its high ______ profitability,
there may be new entrants.

a. potential
b. possible
c. realistic
d. available

Câu hỏi 19
A company may also own or buy its suppliers and customer companies in a situation or
process of vertical _______.
a. combination
b. cooperation
c. interaction
d. integration
Câu hỏi 20
The company’s acquisition of its rival led to customer defections, due to a _______ in service
quality.
a. satisfaction
b. upturn
c. decline
d. expectation

Câu hỏi 21
The benefits of strategic planning include ensuring that all members of the organisation are
working towards fulfilling _______ and that a company's resources are allocated as
efficiently as possible.

a. private objectives
b. common deals
c. private deals
d. common objectives

Câu hỏi 22
Yahoo has been shouldered aside in recent years by Google, a(n) _______ in email and
online advertising.

a. leader
b. innovator
c. follower
d. entrant

Câu hỏi 23
When one company _______ a successful business, competition inevitably intensifies.
a. pioneers
b. follows
c. leads
d. has
Câu hỏi 24
A large number of companies have been _______ so far, as they have been making things
invented elsewhere more cheaply.

a. innovators
b. followers
c. volunteers
d. movers

Câu hỏi 25
We work closely with our client to establish the research _______, gathering information
about a product’s history and competitive position, the scale of the project and its likely
timescale and costs.
a. introduction
b. summary
c. brief
d. note

Câu hỏi 26
Our _______ is to be earth’s most customer-centric company: to build a place where people
can come to find and discover anything they might want to buy.

a. eyesight
b. vision
c. perception
d. expectation

Câu hỏi 27
The company should constantly strive to reduce our costs in order to maintain _______
prices.

a. profitable
b. tactical
c. reliable
d. reasonable

Câu hỏi 28
Organisations face constant pressures for _______ from both outside the organisation and
from within.
a. awareness
b. resistance
c. battle
d. change

Câu hỏi 29
Resource allocation is the central management activity for strategy _______.
a. application
b. pursuit
c. usage
d. implementation

Câu hỏi 30
Observers say Indian companies are ready to accept a lower _______ of return than western
companies in order to secure a strategic asset.
a. number
b. degree
c. scale
d. rate

Câu hỏi 31
Corporate strategic planning is how an organisation defines its _______ over a year, three to
five years or even longer.
a. current direction
b. present direction
c. future direction
d. past direction
Câu hỏi 32
This product range is believed to be a high yielding cash _______ which will generate
income for many years to come.
a. horse
b. cat
c. dog
d. cow

Câu hỏi 33
Although national debt level has dropped, Brazil still depends on foreign savings to the
_______ itself.
a. raise
b. pay
c. finance
d. hold

Câu hỏi 34
The Chief Executive of Google is adamant that the _______, which allows engineers
freedom to create new products and services, will not change.
a. operation communication
b. company culture
c. company dresscode
d. operation habit

Câu hỏi 35
High-trust organisations benefit from better communications, higher efficiency, greater
employee commitment, and lower staff _______.

a. unemployment
b. sack
c. revenue
d. turnover

Câu hỏi 36
Companies do need a strategy for growth in order to ensure a healthy recovery and gain a
_______ over their rivals.

a. competitive pressure
b. competitive threat
c. competitive advantage
d. competitive price

Câu hỏi 37
Long-term strategic _______ is essential for any company: it plots where the company wants
to go and how it’s going to get there.
a. planning
b. bids
c. thinking
d. acquisition

Câu hỏi 38
We need a new strategy because the world has changed, markets are unpredictable, and the
_______ is uncertain.

a. strategic goal
b. market defence
c. market leader
d. economic outlook

Câu hỏi 39
A mission statement is meant to _______ an organisation’s aims to customers, employees,
and shareholders.
a. offer
b. cater
c. communicate
d. transmit
Câu hỏi 40
The reality of CSR for most organisations is that it is only ________ and consequently
almost meaningless.
a. face-deep
b. skin-deep
c. bone-deep
d. finger-deep

Câu hỏi 41
In formulating a strategy, a company should look at its strengths and _______ in relation to
its competitors.
a. weaknesses
b. outputs
c. obstacles
d. disadvantages

Câu hỏi 42

A corporate strategy is _______ the highest strategic plan of the organisation.

a. geographically
b. hierarchically
c. psychologically
d. chronologically

Câu hỏi 43
The company needs to exploit their _______ by making the most of their distribution
network and loyalty programme.
a. strengths
b. details
c. positions
d. supports
Câu hỏi 44
By the end of the strategic planning process, they should have a clear _______ of where they
want the business to go in the future.
a. recommendation
b. injunction
c. direction
d. suggestion

Câu hỏi 45
In the process of _______ a strategy, a company will first assess its current situation by
performing an internal and external audit.
a. creating
b. forming
c. building
d. formulating

Câu hỏi 46
The company needs to establish specific targets or goals related to putting the strategy into
action, and _______ resources for the strategy’s execution.

a. design
b. divide
c. allocate
d. raise

Câu hỏi 47
The best way for a company to enter new markets is to find a _______ partner.
a. internal
b. next-door
c. neighbour
d. local
Câu hỏi 48
The good thing about the licensing agreement is that we can _______ the risk.

a. spread
b. collect
c. choose
d. decide

Câu hỏi 49
Corporate communications aim to maintain and build the _______ of an organisation,
whether it is a company, an institution or a non-profit organisation.
a. face
b. reputation
c. fame
d. recognition

_______ is a type of marketing which encourages people to buy a product or service in a

way that people are not aware of this marketing strategy.

a. Viral marketing

b. Stealth marketing

c. Marketing mix

d. Paid marketing

_______ is the process of advertising and selling products and services on the Internet, for

example, on a company website or by email.

a. E-business

b. E-banking

c. E-marketing

d. E-commerce

The key factors that are involved in the marketing of a good or a service are Product,

_______, Place, and Promotion.

a. Plan

b. Price

c. Power

d. People

A company which only has online stores is known as _______.

a. e-shop

b. e-retailer

c. e-commerce

d. e-businessman

A(n) ______ refers to a company which has both online and high-street stores.

a. multi-channel marketing

b. bricks-and-clicks operator

c. e-marketing retailer

d. pure play retailer

Nối:

Online retailers try to lure customers away is to integrate Internet technologies into the

company’s marketing processes.

There are many advantages of online a persuasive marketing mix to get them to

marketing including better brand buy their products and services.

engagement,

The Board of Directors are aware of the about promotions as they just clutter up the

company’s challenge which inbox.

A lot of people are not happy to receive more cost and time effectiveness, real-time

emails results, etc.

 The company’s plan involves choosing their from their brick-and-mortar competitors.

target customers and designing

Not long ago, innovation was The Big Idea in marketing circles. Now, however, it's hard to

see the benefits of this rush to innovate. Indeed, if anything, companies seem to be drawing

back from innovation, not charging ahead. But just a few years ago many companies were

combining a commitment to create entirely new product categories through innovative

technologies - working to hugely ambitious growth targets - with a root-and-branch

organizational overhaul designed to free up creativity and speed new product roll-outs.

The result was that as resources were shifted away from core businesses, sales and

profits faltered, share prices slumped and CEOS were ousted. Now the mantra is a more

conservative focus on the top brands, the top retail customers and the top markets. It's being

rewarded in many cases by healthier share prices. This sustained effort to cut long tails of

smaller brands and focus marketing resources on existing leaders seems to be paying off.

So, were we wrong to pinpoint key innovation as key to long-term market success?

Surely not. But we might have underestimated the enormous complexity of this beast. The

term ‘innovation’ may be simple enough but it spans a vast landscape, including the type and

degree of innovation, marketing purpose, management process and market circumstance -

not all of which are well understood.

Take ‘type’ of innovation. Are we talking about new products only? Or new

processes, new channels, underlying technologies, organizational structures and business

models? When should innovation involve a new brand? Or take a 'degree'. Are we aiming

for blue-sky inventions that will transform markets and create new categories? Or marginal

tweaks in, say, formulation or packaging that give us an excuse to advertise something

‘New! Improved!’? Likewise, is the marketing purpose of the project to steal a march on

competitors and drive incremental growth, or to update an obsolete product line and play
catch-up to competitors? As one business news editorial complained, ‘innovation’ is often

just ‘simple proliferation of similar products'. Then there's the process. What is the best way

to manage this particular innovation? Is it to employ creative revolutionaries and set them

free, or is disciplined risk management, requiring the careful testing and sifting of options to

pick winners, a better approach? In larger organizations, has senior management really made

time spent in cross-functional teams a recognized element of successful career paths? What

time frames (e.g. payback periods) and degrees of risk is senior management comfortable

with? And does the organization have a culture that fits the chosen approach? Does it

‘celebrate failure’, for example, or is it actually a risk-averse blame culture (despite what the

CEO says in the annual report)?

Successful innovation requires clearing two hurdles. First, it needs the right project

with the right degree of innovation to fit with the right marketing purpose, the right

innovation process, corporate culture and market circumstance. Second, it needs senior

managers that understand the interplay between these different factors, so that rather than

coming together simply by chance, they are deliberately brought together in different ways

to meet different circumstances.

1. According to the first paragraph, a few years ago companies _______.

a. believed they needed to produce new goods.

b. chose to focus heavily on marketing activities.

c. trusted in technology to improve existing products.

d. expected that growth would increase steadily.

2. What problem is indicated in the second paragraph?

a. Insufficient attention to brand identity damages company profits.

b. A lack of product diversity reduces a company's appeal.

c. Business leaders are not attracted to slow-performing companies.

d. Slow reactions to business trends reduce investors' interest.

3. According to the third paragraph, it would be a mistake to _______.

a. rely on future benefits in business planning.

b. neglect the importance of strategic issues.

c. deny the benefits of pursuing innovation.

d. predict the outcomes of innovations.

4. According to the fourth paragraph, companies should ensure that _______.

a. their new products are radically different from competitors’.

b. the progress of an innovation is as speedy as possible.

c. their approach to risk management is fully new.

d. the benefits of participating in teamwork are fully acknowledged.

5. What is suggested in the fifth paragraph?

a. Market forces should be a company's primary consideration.

b. Elements of chance should be assumed in decision-making.

c. The types of innovation sought must be appropriate to a company.

d. The steps involved in innovation must be tackled in sequence.

1. The majority of customers prefer to do their _______ banking at the bank.

a. single

b. current

c. personal

d. free

Câu hỏi 2

The goal of microfinance is to ultimately give impoverished people an opportunity to

become _______.

a. self-confidence
b. self-sufficient

c. self-esteem

d. self-discipline

Câu hỏi 3

Microfinance organisations who want to meet the growing demand for credit sometimes

find it difficult because of _______ on the amount they can lend.

a. finance

b. sustainability

c. association

d. limit

Câu hỏi 4

Microfinance organisations often _______ difficulties when lending larger sums as they have

to conduct due diligence more thoroughly than the major banks.

a. study

b. encounter

c. negotiate

d. integrate

Câu hỏi 5

The report claims that more than 20 percents of typical “British” brands are owned by

foreign _______.

a. guarantors

b. concepts

c. entities
d. entries

Câu hỏi 6

Banks always need liquidity, so they can’t lend all their money in loans with long _______.

a. days

b. maturities

c. conditions

d. times

Câu hỏi 7

Central banks implement the _______ policies of the government and fix interest rates for

other banks.

a. cash

b. currency

c. fiscal

d. monetary

Câu hỏi 8

______ is a kind of a short-term bank loan offering money for household appliances.

a. Short-term loan

b. Long-term loan

c. Consuming credit

d. Consumer credit

Câu hỏi 9

Banks would start taking too many _______ if they could always be sure of rescue by the

central bank.
a. risks

b. dangers

c. difficulties

d. disadvantages

Câu hỏi 10

The microfinance institution’s principle is _______ you have, the more attractive you are.

a. the much

b. the less

c. the more

d. the little

Câu hỏi 11

In developing countries, particularly in rural areas, low-income people tend to fulfill their

everyday needs by _______ things that are surplus such as agricultural products, jewellery

and handmade crafts.

a. paying

b. earning

c. bartering

d. applying

Câu hỏi 12

With standardized products, all customers are _______ the same interest rate.

a. charged

b. taken

c. required

d. fined
Câu hỏi 13

A current bank account pays little or no interest to the holders. It allows the customer to

_____ their money at any time

a. access

b. open

c. manage

d. attract

Câu hỏi 14

The Mondex system offers _______ because the wallet and reader are easy to use.

a. transfer

b. convenience

c. service

d. security

Câu hỏi 15

Our local branch managers are encouraged to help local businesses and are authorized to

_______loans and overdraft.

a. cater

b. make

c. decide

d. grant

Câu hỏi 16

We offer standardized loans: you can be sure you won’t get less favourable terms and

_______ than our other personal customers.

a. regulations
b. limits

c. requirements

d. conditions

Câu hỏi 17

A long-term bank loan has a _______ of more than 5 years and it is a(n) secured loan.

a. profile

b. mature

c. portfolio

d. maturity

Câu hỏi 18

The interest rate on a loan depends on how _______ it is for the bank to lend the money.

a. available

b. private

c. dangerous

d. risky

Câu hỏi 19

A _______ helps the customers to increase their income when they get retired.

a. maturity plan

b. retirement plan

c. pension plan

d. switch plan

Câu hỏi 20

With internet banking, it is possible to _______ online from one account to another.
a. deposit money

b. offer interest

c. offer money

d. transfer funds

Câu hỏi 21

A person is a 'known risk' when he/she has a _____ of previous borrowings, and so will be

categorised as a low risk compared to people with no assets or credit history.

a. credit limit

b. credit loan

c. historical credit

d. credit history

Câu hỏi 22

Microfinance is hoped to help low-income people out of _______.

a. control

b. prosperity

c. poverty

d. management

Câu hỏi 23

Electronic money provides more _______ than cash because the lock function makes it

difficult to steal.

a. security

b. service

c. convenience

d. flexibility
Câu hỏi 24

Banks usually carefully study the financial situation of a company to _______ the risk

involved in lending it money.

a. review

b. decide

c. assess

d. understand

Câu hỏi 25

In terms of return, as a provider of debt _______, the return for us is merely the interest that

we are paid on the loan.

a. funding

b. services

c. supporting

d. giving

Câu hỏi 26

Organisations use the money markets as a(n) _______ to borrow from banks.

a. shift

b. replacement

c. alternative

d. change

Câu hỏi 27

Grameen Bank is different from conventional banks because it does not charge a _______ if

you do not pay the loan back on time.

a. collateral
b. penalty

c. deposit

d. guarantor

Câu hỏi 28

It seems that most bank customers’ use of overdraft _______ is unintentional in nature.

a. loans

b. facilities

c. funds

d. tasks

Câu hỏi 29

As a rule, microcredit loans are not backed by collateral leaving no means of financial

_______ for the lenders if they are not repaid.

a. overcome

b. recovery

c. achievement

d. gain

Câu hỏi 30

Fines are being introduced to penalize people who do not _______ their earnings from

investments.

a. expose

b. offer

c. open

d. disclose
Câu hỏi 31

The original strategy of microfinance was _______ oriented and anticipated eliminating

poverty.

a. non-profit

b. unprofitable

c. unbeneficial

d. non-revenue

Câu hỏi 32

The reasons why low- income people lack access to traditional banks mainly because they

do not have the assets served as _____.

a. asset

b. property

c. security

d. liability

Câu hỏi 33

Customers don’t have to worry about security; the bank uses sophisticated encryption

technology to _______ their assets.

a. protect

b. accept

c. open

d. submit

Câu hỏi 34

The bank will _______ the customer for cutting short their loan.

a. penalize
b. manage

c. finance

d. support

Câu hỏi 35

Mondex is used to transfer money between personal cardholders as well as from consumers

to _______.

a. depositors

b. the wallet

c. retailers

d. POS device

Câu hỏi 36

Our products for _______ customers include business overdrafts, loan repayments that reflect

your cash flow, and commercial mortgages.

a. individual

b. corporate

c. single

d. only

Câu hỏi 37

Despite sitting on a large number of orders, companies may still have _______ problems if

they have been unable to produce due to a period of downtime.

a. savings

b. cash-flow

c. support

d. reserve
Câu hỏi 38

Microfinance is the provision of financial services to _______ people.

a. wealthy

b. rich

c. low-income

d. poverty

Câu hỏi 39

Borrowers can usually get a _______ interest rate if the loan is guaranteed by securities or

other collateral.

a. lower

b. long-term

c. higher

d. riskier

Câu hỏi 40

Banks generally know from experience how much cash to keep in their _______ for

customers who want to withdraw it.

a. savings

b. reserves

c. funds

d. accounts

Câu hỏi 41

With the growth of Internet shopping, customers can ________ and choose far more than in

the past.

a. take
b. pick

c. point

d. catch

Câu hỏi 42

These days many loans are made with _______ or variable interest rates that change

according to the supply and demand for money.

a. drowning

b. floating

c. sinking

d. swimming

Câu hỏi 43

The conventional banks are based on one basic principle: the more you have, _______ you

can get.

a. the less

b. the more

c. the much

d. the little

Câu hỏi 44

The _______ on who was eligible for a mortgage made it impossible for many low-income

families to borrow money.

a. restrictions

b. prohibitions

c. obligations

d. rules
Câu hỏi 45

Age restrictions, identification requirements, and relatively low profitability of small _______

accounts or loans can make it difficult for providers to meet the needs of young people.

a. share

b. deposit

c. steak

d. budget

Câu hỏi 46

It is a big responsibility to act as a(n) _______ for a loan; i.e., you are responsible if the loan

is not paid back.

a. guarantor

b. depositor

c. provider

d. entity

Câu hỏi 47

It is increasingly common for companies to look at alternative ways to _______ because

banks are refusing credits.

a. support finance

b. raise finance

c. collect credit

d. earn finance

Câu hỏi 48

Default means the borrower become _______ and cannot repay the debt.

a. insolvent
b. discretion

c. insolvency

d. unsolvent

Câu hỏi 49

The small loans that are given under microfinance schemes often have a very high _______

rate – most the borrowers pay the money back in full.

a. requirement

b. repayment

c. charge

d. transmision

Câu hỏi 50

If you have poor _______, it’s often difficult to get a loan unless you have a personal

guarantor.

a. debit trustworthiness

b. credit limit

c. credit rating

d. credit belief