金融英语模拟题3Word文件下载.docx
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金融英语模拟题3Word文件下载.docx
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D.Thiscompanyrunsagreaterrisktomakeloans.
2.A.VisaCard,Access,AmericanExpressandDiner'
sCardare
allcredits.
B.Creditcardsarethesamethingaschargecards.
C.Anothernameforcreditcardischargecard.
D.AmericanExpressisnotcreditcardintherealsense.
3.A.Twoseparatespottransactions
B.Onespotandtheotherforwardtransaction
C.a"
onemonthswap"
D.thecalloption
4.4.A.USD3657897.05
B.USD3576987.06
C.USD3567897.05
D.USD3657879.06
5.5.A.Surplusincrease
B.deficitincreas
C.noeffect
D.alloftheabove
.6.A.Theywanttoclosetheiraccountsinthebank.
B.Thebankmightclosetheircurrentaccounts.
C.Thecustomers'
overdrawnaccountsmustbeclosed.
D.Thebankclosedtheiroverdrawnaccounts.
7.A.Theiroperationsmustbebrisk.
B.Theyhavealargeprofitfortheyear'
soperations.
C.Therehasbeenalargedeficitintheyear.
D.Theyanticipateagreatexcessofdebtsoverincome
fortheyear'
8..A.CHAPSB.SWIFTC.CHIPSD.CHATS
9..A.Thecheckisoutofdate.
B.Thecheckispost-dated.
C.Thecheckisintoolargeamount.
D.Thecheckisacrossedone.
10.A.Ifaremittingbankcannottakepropercareincollection,
theexporterwilldoithimself.
B.Ifaremittingbankcannotfulfillitsobligationincollection,
theexporterwillclaimindemnityonit.
C.Ifaremittingbankcannottakepropercareincollection,
itwillloseacustomer.
D.Ifaremittingbankcannotfulfillitsobligationincollection,
Itwillcauselosstotheexporter.
SectionTwo(10%)
Directions:
Inthissection,youwillhearl0shortconversations.Attheendofeachconversationaquestionwillbeaskedaboutwhatwassaid.Theconversationsandquestionswillbespokenonlyonce.DuringthePause,youmustreadthefoursuggestedanswersmarkeda,b,c,andd,anddecidewhichisthebestanswer.
Nowyouwillhear:
M:
DoesourbankhaveadirectcorrespondentrelationshipwiththeBradalys'
Bank?
W:
No,wedon'
t.SowehavetoadvisethisL/Cviaanotherbank.
Q:
Whichofthefollowingisright?
Nowyouwillread:
A.WecanadvisethisL/CtotheBradlays'
Bank.
B.TheBradlays'
Bankisourcorrespondent.
C.TheL/Chastobeadvisedbyathirdbank.
D.WeshouldadvisethisL/Cbyourselves.
FromtheconversationweknowthatwehavetoadvisethisL/Cviaanotherbank.ThebestanswerisC.ThereforeyoushouldchooseanswerC.
11.A.9a.m.B.12noonC.3p.m.D.6p.m.
12A.January1,1999B.July1,1999C.January1,2002D.July1,2002
13.A.tochangepoundstoyuanB.tosendmoneytoLondon
C.togetapermitD.toknowtherateofexchange
14.A.peoplewhohassteadyincome
B.Peoplewhohasagoodworkrecord.
C.Peoplewhohasmuchmoney
D.Bothaandb
15.A.ofthehousevalue.B.ofthemortgagevalue.
C.ofthebank'
sappraisedvalue.D.ofthedepreciatedvalue.
16.A.AlibrarianB.AprofessorC.AnaccountantD.Areporter
17.A.8875689B.8758679C.8756879D.8576789
18.A.studentandteacherB.employeeandbossC.customerandbroker
D.twobankclerks
19.A.AbouttheamountofRMBdepositedwiththebank.
B.AbouttherateofinterestforRMBdepositedwiththebank.
C.Aboutthetermsofdepositwiththebank.
D.Abouttheconditionsofdepositwiththebank.
20.A.Hegotacreditcardofhisfriendandcometoaskhowtouseit.
B.Hegotacardanddidnotknowwhosecarditis.
C.Hehaslosthiscreditcardandcometoaskwhattodo.
D.Hehasfoundacreditcardandcometoaskwhattodo
SectionThree(10%)
Inthissection,youwillhear3shortpassages.Attheendofeachpassageyouwillsomequestionsaboutwhatwassaid.Thepassagesandquestionswillbespokenonlyonce.Duringthepause,youmustreadthefoursuggestedanswersmarkeda,b,c,andd,anddecidewhichisthebestanswer.
Questions21--23arebasedonpassage1
21A.JCBcardB.Diner'
sClubC.VisacardD.Federal-Master
22.A.$590millionB.$16billionC.$590billionD.$16million
23.A.fromfeescollectedfromitscustomerswhopayfortheir
chargesinmonthlyinstallments.
B.fromfeescollectedfromthestoresthatacceptcreditcard
C.bychargingitscustomeryearlyfees
D.bychargingitscustomerforoverduepayment
Questions24-26arebasedonpassage2
24.A.Bankcardbusiness.B.Bankcardfraud.
C.Technologiesusedinbank.D.Internationalcardfraud.
25.A.680milliondollars
B.860milliondollars
C.680billiondollars
D.860billiondollars
26.A.It'
sthesameoverthe10-yearperiod.
B.It'
sgettingworseoverthe10-yearperiod.
C.It'
sgettingbetteroverthe10-yearperiod.
D.Thereisnowaytosolvetheproblem.
Questions27-30arebasedonPassage3
27.A.acontractualagreementbetweenthebankerandtheclient.
B.Thecreditor-debtorrelationship.
C.Theprincipal-agentrelationship.
D.allofabove
28.A.Thosewhoborrowfundsfromthebank.
B.Thosewhodepositmoneywiththebank.
C.Thosewhohavebusinessdealingwiththebank.
D.Thosewhoarethecustomersofthebank.
29.A.Itactsasanagenttodowhateverthecustomerrequires.
B.Itactsasanagenttoprovideallkindsofservices.
C.Itactsasanagenttooffermanykindsofbanking
andfinancialservices.
D.Itactsasanagenttosellthecustomer'
sproducts.
30.A.Payrollmanagement.B.Factoringservice.
C.Financialmanagement.D.Investmentadvices.
Parttwo Reading
Therearetenstatementsinthissection.ForeachstatementtherearefourchoicesmarkedA,B,C,D.Youshouldchoosethebestanswer.
31.BasleAccordissuedin1988dividesthecapitalofabankinto_______.
A.tieroneandtiertwoB.passandspecialmention
C.outstandingandexcellentD.standardandsubstandard
32.The'
C'
inCAMELSsystemrefersto_________.
A.capacityB.currencyC.capitalD.capability
33.Thedifferencebetweenthebuyingrateandsellingrateisknownasthe________.
A.spreadB.premiumC.discounttD.par
34.Theeconomicresourcesofabusinessarecalled________.
A.liabilityB.assetC.owner'
sequityD.expenses
35.whichitemisnotamajorsectioninstatementofcashflows_________.
A.operatingactivityB.financingactivityC.repairingactiviy
D.investmentactivity
36.Workingcapitalis__________.
A.owner'
sequitylessliability
B.currentassetlesscurrentliability
C.assetpluscurrentliability
D.long-termloanlesscurrentasset
37.Inrealestateloan,maximumamountofwhichis_______oftheproperty.
A.50%B.60%C.70%D.80%
38.___________isafinancialmarketinwhichsecuritiesthathavebeenpreviouslyissuedcanberesold.
A.AprimarymarketB.AsecondarymarketC.Anissuingmarket
D.Thecapitalmarket.
39.Underthetransferredletterofcredit,_________istheaccountparty.
A.buyerB.middlemanC.sellerD.bank
40.Asinbusinessaccounting,thebalanceofpaymentsrecordsincreasesinassetsanddecreasesinliabilitiesas__________,anddecreasesinassetsandincreasesinliabilitiesas________.
A.debit;
creditB.debits;
creditsC.credit;
debitD.credits;
detits
Thereare10blanksinthefollowingpassages.ForeachblankstherearefourchoicesmarkedA,B,C,D.Youshouldchoosethebestanswer.
PassageOne
Banksare__41____lenderstobusinessandconsumerfinancecompaniesunderlineofcreditarrangements.Financecompaniesareananomalyinthattheypermanentlyrelyon__42____.Theysatisfytherestperiodrequirementsoflineofcreditborrowing_43_____rotatingfromonebanktoanother,_44_____onebank'
sloanwithloanproceedsfromotherbanks.Largefinancecompanies___45_______significantlytocommercialpaperinrecentyearsandhavedramaticallyreducedtheirrelianceonbankloans.
41.A.majorB.minorC.keyD.important
42.A.short-termlendingsB.long-termlendings
C.short-termborrowingsD.long-termborrowings
43.A.withB.atC.onD.by
44.A.payingforB.payingoffC.payingdownD.paying
45.A.havechangedB.changedC.haveshiftedD.shifted
PassageTwo
However,investorsexpectthefinancecompaniestohavebankcreditlines___46______theirissuesofcommercialpaperderivedfromafirm'
s_47_______cashflows,primarilyearnings.Loanproceedsaregenerallyusedforpermanentincreasesin___48______orforfixed-assetpurchases.Inapuretermloan,theproceedsaredisbursedallatonceorwithinashortperiodoftime___49______closingtheloanagreement.Termloansmaybesecuredorunsecured,dependingonthepurposeoftheborrowing.Inreality,termloansprovideintermediate-termcredit;
maturitiesareusuallylimitedto__50_____andaremostlyinthetwotofive-yearrange.
46.A.insupportofB.insupportC.inorderD.inorderthat
47.A.flowingB.makingC.doingD.op
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