金融英语复习参考题.docx
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金融英语复习参考题.docx
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金融英语复习参考题
金融英语复习材料
期末考试题型及分值分布:
1:
单项选择20*1'=20'
2:
阅读理解两篇10*2'=20'
3:
汉译英5*3'=15'
4:
英译汉6*5'=30'
5:
专业问答15'
ⅠMultiplechoice.
1.Whatfunctionismoneyservingwhenyoubuyatickettoamovie?
A.storeofvalueB.aunitofaccountC.transactiondemandD.amediumofexchange
2.Whichofthefollowingstatementsisnottrueofcentralbanks?
A.theypaythegovernment'ssalariesB.theyarealwaysthelenderoflastresort
C.theyalwaysundertaketheregulationofthebankingsystem
D.noneoftheabove
3.Whatisthereserverequirement?
A.TherequirementforcashreservesB.Therequirementfordepositsincash
C.Thepercentageofabank'sdepositsintheformofcashreserves
D.Therequirementofabanktodepositapercentageofmoney
4.Regulationofthemoneysupplyandfinancialmarketsisreferredtoas
A.fiscalpolicyB.monetarypolicyC.incomepolicyD.budgetarypolicy
5.Financialmarketsservetochannelfundsfrom.
A.saverstoinvestorsB.investorstoconsumers
C.consumerstoproducersD.thegovernmenttocontractors
6.Ifthecentralbankwishestoincreasethelevelofbankreservestemporarily,itshould.
A.purchasegovernmentsecuritiesoutright
B.raisereserverequirement
C.buygovernmentsecuritiesunderarepurchaseagreement
D.sellgovernmentsecuritiesunderareserverepurchaseagreement
7.Acommercialbankwishingtoincreaseitscapitalshould
A.issuenewstockB.acquirenewdeposit
C.makemorecommercialloansD.acquiregovernmentsecurities
8.Thefollowingarethethreemaininstrumentsusedbythecentralbanktoimplementitsmonetarypolicyexcept
A.reserverequirementratioB.creditquota
C.openmarketoperationD.discountrate
9.arethemajortargetwhichthecentralbankbuysandsellsintheopenmarket.
A.financialinstitutionbondsB.corporatebondsC.stocksD.governmentsecurities
10.Financialintermediariesareinstitutions
A.thatborrowfundsfrominvestorsinproductivefacilities
B.thatactasmiddlemenintransferringfundsfromultimatelenderstoultimateborrowers
C.thatlendfundstosmallsaversD.alloftheabove
11.Financialmarketscanbeclassifiedas
A.debtandequitymarketsB.primaryandsecondarymarket
C.moneyandcapitalmarketsD.alloftheabove
12.Commercialbanksparticipateinthemoneymarketas
A.lendersonlyB.borrowersonlyC.bothlenderandborrowersD.trusteesonly
13.Themajorexpenseofcommercialbankis
A.wagesandsalariesB.dividendpaymentstostockholders
C.interestondepositsD.taxes
14.Stocksarealsoreferredtoas
A.securitiesB.equitiesC.sharesD.allofabove
15.Whichofthefollowingisnotatypeofbond?
A.corporateB.treasuryC.EurodollarD.municipal
16.Whichofthefollowingisadebtinstrumentfoundinthecapitalmarket?
A.U.S.treasurybillB.commercialpaper
C.residentialmortgageD.demanddeposit
17.Theforeignexchangemarketisorganizedas
A.aphysicalmarketB.acapitalmarket
C.aspeculativemarketD.over-the-countermarket
18.Exchangecontrolrequirethegovernment
A.toensurethattheforeign-exchangemarketisperfectlycompetitive
B.tostopbuyingforeignexchange
C.tosellmoreforeignexchangethanitbuys
D.tobalanceinflowsandoutflowsofforeignexchangeatthecurrentexchangerate
19.Theforwardrateiscalculatedbyadjustingthespotratebya
A.premiumB.discountC.marginD.difference
20.WhentheU.S.realinterestrateislow,owningU.S.assetsisandsoU.S.netforeigninvestment
is
A.moreattractive…highB.moreattractive…low
C.lessattractive…highD.lessattractive…low
21.Themainliabilityonabankbalancesheetis______.
A.depositsB.capitalandreservesC.loansandoverdraftsD.cash
22.Whymusttheliabilitiesandassetsofabankbeactivelymanaged?
______.
A.Becauseassetsandliabilitiesarenotevenlymatchedonthesametimescale
B.Becauseassetsandliabilitiesareevenlymatched
C.BecausetheinterbankmarketusesLIBOR
D.Becauseassetsandliabilitiescanbeunderwritten
23.Financialintermediariesbyorrowingshortandlendinglongfindthemselvesindifficultfinancialsituations
because
A.short-termratesarefallingB.long-termratesarerisingC.depositsincreasetoorapidly
D.short-termratesriserelativetoratesoftheirholdings
E.long-termratesrisemoresharplythanshort-termrates
24.Banksmanagetheirassetsconsidering______.
A.riskB.someoptimumcombinationoftheaboveC.earningsD.liquidity
25.Indirectfinanceisalsoknownas.
A.financialintermediationB.intangiblefinance
C.disintermediationD.thefuturesmarket
26.Whichofthefollowingfinancialinstitutionshavethemostassets?
A.lifeinsurancecompanyB.privatepensionfunds
C.commercialbanksD.creditunions
27.Bypurchasinggovernmentsecuritiescommercialbanksare.
A.borrowingfromthegovernmentB.acquiringearningassets
C.makinga“loan”tothegovernmentD.bothBandC
28.Whichofthefollowingfinancialintermediariesoperateinprimarysecuritiesmarkets?
A.brokersB.dealersC.commercialbanksD.investmentbanks
Whichofthefollowingwouldbeconsideredadisadvantageofallocatingresourcesusinga
29.marketsystem?
A.Incomewilltendtobeunevenlydistributed.
B.Significantunemploymentmayoccur.
C.Thewastageofscarceeconomicresourcescannotbeprevented.
D.Amisallocationofresourcesmayoccurwherethereisadiscrepancybetweenprivateandsocialcosts.
30.Whichofthefollowingisnotafactorofproductionaccordingtoeconomists?
A.LandB.LaborC.EntrepreneurshipD.Trademark
31.Whichofthefollowingisnotafunctionofmoney?
A.ToactasamediumofexchangeB.Toactasaunitofaccount
C.ToactasastoreofvalueD.Toactasameansofpayment
E.Toprovideadoublecoincidenceofwant.
32.Legaltenderincludes.
D.notes,coinsandchecks
C.notesandcoinsB.notesonlyA.coinsonly
33.Commercialbankdepositswiththecentralbankarepartofthebank's
A.networthB.demanddepositsC.loanportfolioD.reserves
34.Thekeyfactorlimitinghowmuchacommercialbankhasimmediatelyavailabletolendistheamountofits
A.demanddepositsB.excessreservesC.vaultcashD.savingsdeposits
35.Whichofthefollowingcentralbankactionwouldbeappropriatetocombatrapidinflation?
A.AreductioninthediscountrateB.Areductioninreserverequirement
C.AcutintaxD.Asaleofgovernmentsecurities
36.Acommercialbankwishingtoincreaseitscapitalshould
A.issuenewstockB.acquirenewdeposits
C.makemorecommercialloansD.acquiregovernmentsecurities
37.Thepriceintheforeignmarketiscalled
A.thetradesurplusB.themoneypriceC.theexchangerateD.thecurrencyrate
37.Monetarypolicyandpolicyarethetwobasictoolsusedbythegovernmenttoinfluencethe
courseofeconomicactivity.
A.accountingB.fiscalC.financialD.trade
38.ifthenominalrateofinterestis10percentandtheexpectedrateofinflationis7percent,therealrateof
interestis.
A.27percentB.minus3percentC.plus3percentD.minus27plus
39.Amoneymarketinstrumentusuallyusedforimport/exportpaymentisknownas.
A.repurchaseagreementB.EurodollarC.CertificateofdepositD.Banker'sacceptance
40.Bondsthatcanbechangedtosharesofcommonstockaresaidtobe.
A.callableB.generalobligationC.convertibleD.zero-coupon
41.Preferredstockholdersreceive.
A.couponpaymentsB.fixeddividendpayments
C.variabledividendpaymentsD.paymentintheformofadditionalstock
42.Bankmanagetheirassetsconsidering.
A.riskB.liquidityC.earningsD.someoptimumcombinationoftheabove
43.Whichofthefollowingwouldbeconsideredaloansecuredbyrealestate?
A.AcreditcardloanB.SubordinateddebtC.BankcapitalD.Amortgage
44.willbeeitherthesoleorthemainsourceofaprojectloanrepayment.
A.capitalfundsB.investmentgainsC.thecashflowarisingfromtheprojectsD.alloftheabove
45.Inasyndicatedloan,handlesthenegotiationswiththeborrower,preparestherelevant
documentationanddisbursesthefullamountoftheloantotheborrower.
A.theleadbankB.theaccountingbankC.theparticipatingbankD.theagentbank
46.Repaymentofaborrowingforworkingcapitalpurposesusuallycomesfrom.
A.profitsB.saleoffixedassetsC.cashflowD.capitalintroduced
47.Aloanagreementisnormallypreparedbyandreviewedby.
A.thelendingbank'slegalcounsel…theborrower'sattorney
B.theborrower'sattorney…thelendingbank'slegalcounsel
C.athirdpartyotherthanthelendingbankandtheborrower…thelendingbank'slegalcounsel
D.noneoftheabove
48.Forthemostbank,arethelargestandmostobvioussourceofcreditrisk.
A.guaranteesB.interbanktransactionsC.loansD.equities
49.Acustomerhasdepositedagoldwatchwiththebankforsafe-keeping.Thisisanexampleof
A.lienB.pledgeC.bailmentD.mortgage
50.Apledgeprovidesabankwith.
A.possessionofthegoodsB.rightsoveritemsheldinsafecustody
C.legalownershipofthegoodsD.theabilitytotransferinterestsincertainassets
51.Whichofthefollowingistrueofamortgage?
A.themortgageretainspossessionofthemortgagedproperty
B.themortgagorretainspossessionofthemortgagedproperty
C.thelenderacquirestherighttoretainthemortgagedpropertyunti
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