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单选题 Unless otherwise stated in the letter of credit, banks will not accept__________presented by the beneficiary.

A．the open cover
B．the cover note
C．the insurance certificate
D．the insurance policy

参考答案B
解析: the letter of credit信用证，beneficiary受益人，cover note暂保单，open cover预约保险合同，insurance certificate保险证明书，insurance policy保险单。除非信用证另有规定，否则银行不会接受受益人提供的暂保单。
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单选题 Factoring provides the following services except__________.

A．maintenance of the sales ledger
B．collection of accounts receivable
C．100% non-recourse finance to the seller despite commercial disputes between the seller and the buyer
D．credit risk protection on the buyer

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单选题根据下面材料，回答题。
We know that many animals do not stay in one place. Birds, fish and other animals move from one place to another at a certain time. They move for different reasons; most of them move to find food more easily, but others move to get away from place that are too crowded.
When cold weather comes, many birds move to warmer places to find food. Some fishes give birth in warm water and move to cold water to feed. The most famous migration is probably the migration of the fish, which is called "salmon". This fish is born in fresh water but it travels many miles to salt water. There it spends its life. When it is cold, it returns to its birthplace in fresh water. Then it gives birth and dies there. In northern Europe, there is a kind of mouse. They leave their mountain homes when they become too crowded. They move down to the low land. Sometimes they move all the way to the seaside, and many of them are killed when they fall into the sea.
Recently, scientists have studied the migration of a kind of lobster. Every year, when the season of bad weather arrives, the lobsters get into a long time and start to walk across the floor of the ocean. Nobody knows why they do this, and nobody knows where they go.
So, sometimes we know why humans and animals move from one place to another, but at other times we don't. Maybe living things just like to travel.
The majority of animals migrate for__________

A．place
B．safety
C．food
D．warmth

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单选题 Salmon is known as a creature spending most of its life in__________.

A．warm water
B．fresh water
C．cold water
D．salt water

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