现代金融业务综合12 1.docx
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现代金融业务综合12 1.docx
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现代金融业务综合121
现代金融业务(综合)-12
(总分:
75.00,做题时间:
90分钟)
一、PartOneListening(总题数:
0,分数:
0.00)
二、SectionOne(总题数:
1,分数:
5.00)
(分数:
5.00)
(1).A.Bank'scurrentbaseratesarehigherthanthoseonsmalldeposits.
B.Bank'scurrentbaseratesarelowerthanthoseonsmalldeposits.
C.Bank'scurrentbaseratesarenotfloatingrates.
D.Bank'scurrentbaseratesareusuallyfloatingrates.(分数:
1.00)
A. √
B.
C.
D.
解析:
[解析]
Theinterestratesonthesesmalldepositsareusuallyfloatingrates,andtheyareusually2%-5%belowthebank'scurrentbaserates.
根据录音原文可知,Theinterestratesonthesesmalldeposits为浮动汇率,而不是thebank'scurrentbaserates,而且要比银行当前的基准汇率低。
(2).A.Investorscancopewithanyproblemstheymaymeet.
B.Investorscan'tcopewithproblemswhentheymeetwithdifficulty.
C.Investorscancopewithsomeinvestmentproblemsbyconfiningtheirinvestmentstothosethatinvolveonlymodestrisk.
D.Investorscancopewitheasyproblems.(分数:
1.00)
A.
B.
C. √
D.
解析:
[解析]
Investorscancopewithsomeinvestmentproblemsbyconfiningtheirinvestmentstothosethatinvolveonlymodestrisk.
单句意思为“投资者从事风险小的投资活动可以避免一些投资问题。
”
(3).A.theincomestatementB.thebalancesheet
C.thefinancialstatementD.thestatementofcashflow(分数:
1.00)
A. √
B.
C.
D.
解析:
[解析]
Ifastatementthatpresentsasummaryoftherevenuesandexpensesofabusinessunitforaspecificperiod,whatisitcalled?
单句问的是“在一特定日期总结一家事业单位收益和亏损的报表是什么报表”,根据所学知识,这应是指损益表。
(4).A.Eachmonththecardholderreceivesastatementandtheamountofallthetransactions.
B.Eachmonththebankgivesthecardholderastatementshowingthetotalamountoutstanding.
C.Eachmonththebankgivesthecardholderastatementshowingthecompoundinterest.
D.Eachmonththebankgivesthecardholderastatementshowinganyminimumamountthatneedstobepaid.(分数:
1.00)
A.
B. √
C.
D.
解析:
[解析]
Eachmonththecardholderreceivesastatementfromthebank,whichliststhedetailsofallthetransactionsinthemonth,togetherwiththetotalamountoutstanding.
statement与theamountofallthetransactions不是并列关系,而是包含关系,A项错误;C、D项未提及。
(5).A.Peoplearediscouragedtodobusinesswithalowerdiscountrate.
B.Peopleareencouragedtoborrowmoremoneyifthediscountrateislowered.
C.Peopleareencouragedtoborrowmoremoneyifthediscountrateisraised.
D.Peoplearediscouragedtoborrowlessmoneywithalowerdiscountrate.(分数:
1.00)
A.
B. √
C.
D.
解析:
[解析]
WhentheFedwishestoencouragebusinessactivity,itmaylowerthediscountratetoboostborrowing.
单句意为“当联邦想增加商业活动时,它可能降低贴现率来刺激借款”,也就是通过降低贴现率来鼓励人们borrowing,B项意思正确。
三、SectionTwo(总题数:
1,分数:
5.00)
(分数:
5.00)
(1).A.Theminimumdepositreserve.B.Adjustingthebaseinterestrate.
C.Regulatingrediscounting.D.Openmarketoperations.(分数:
1.00)
A. √
B.
C.
D.
解析:
[解析]
W:
Whatkindofmonetarypolicyinstrumentsmayyourbankuse?
M:
Theyincludeadjustingthebaseinterestrate,regulatingrediscountingandopenmarketoperations.
Q:
Whichofthefollowingwasn'tmentionedbythemanasamonetarypolicy?
对话谈论的是货币政策工具种类的问题,男士提到了调整基准利率、规定再贴现政策和公开市场操作,他没有提及最低存款准备金。
(2).A.880yen.B.794yen.C.719yen.D.888yen.(分数:
1.00)
A.
B. √
C.
D.
解析:
[解析]
W:
Whatistherateofexchangeforpoundsterlingintoyentoday?
M:
Forcashitissevenhundredandninetyfouryentothepoundandfortraveler'schequesitiseighthundredandeighteenyentothepound.
Q:
What'stheexchangerateforcash?
女士问的是今日英镑兑日元的汇率,男士的回答是:
英镑兑日元的现金汇率是794日元每英镑,旅行支票汇率是880日元每英镑,所以选项B为正确项。
(3).A.Abillofexchangewitha90-daymaturityfor$6,075.00.
B.Abillofexchangewitha60-daymaturityfor$6,075.00.
C.Abillofexchangewitha90-daymaturityfor$6,750.00.
D.Abillofexchangewitha60-daymaturityfor$6,750.00.(分数:
1.00)
A.
B.
C.
D. √
解析:
[解析]
W:
Excuseme,sir.Canyoutellmewhatkindofabillyouhave?
M:
Yes,it'saninety-daybillfor$6,750.00.Itmaturesabouttwomonthsfromnow.Ididn'tthinkwe'dhavetodiscountit,butIneedtheworkingcapitalrightnow.HowdoIdiscountit?
Q:
Whatkindofbilldoesthemanhave?
根据男士的回答,他持有一张金额为6,750.00美元的两个月到期的远期汇票。
两个月是60天,因此选C。
(4).A.Cash.B.Sightdeposit.C.Cashdispenser.D.Cheque.(分数:
1.00)
A. √
B.
C.
D.
解析:
[解析]
M:
WhatshouldIdowithmysightdepositifIneedsomemoneyrightnow?
W:
Oh,that'seasy.Youcaneitherusethecashdispensersoryoucanwritecheques.
Q:
Whatdoesthemanwanttohavenow?
男士现在需要的是“somemoney”,即现金,所以选项A正确。
(5).A.Tomakeinvestment.
B.Torecorddata.
C.Toprovideusefulinformation.
D.Tounderstandsomebasicaccountingprinciples.(分数:
1.00)
A.
B.
C. √
D.
解析:
[解析]
M:
Theprimaryobjectiveoffinancialreportingistoprovideinformationusefulformakinginvestmentandlendingdecisions.
W:
Theinformationmustberelevant,reliable,andcomparable.
Q:
Whatistheprimaryobjectiveoffinancialreporting?
根据男士的说法,财务报告的作用在于为投资决策和筹资决策提供有用的信息。
四、SectionThree(总题数:
0,分数:
0.00)
五、PassageOne(总题数:
1,分数:
4.00)
(分数:
4.00)
(1).A.Aslightincreaseinprices.B.Rapidgrowthofeconomy.
C.Decreaseofworker'ssalary.D.Soaringprices.(分数:
1.00)
A.
B.
C.
D. √
解析:
[解析]21-24
Hyperinflationisdefinedasaneconomicconditionduringwhichthereisasteepincreaseinprices.Inaccordancewiththelawsofeconomics,threefactorscombinetocreatethiscondition.First,demandmustbemuchgreaterthanthesupplyofavailablegoods.Second,thecountrymustcontinuouslycreateandtherebybuildupanever-increasingsupplyofmoney.Third,thegovernmentalprocessesthatareusedtocollecttaxesmustbecrippled.Let'simagineacountrywhereproductionisbarelyaccomplishingitsgoal:
tokeepupwithdemand.Whenthishappens,thegovernmentshoulddecreasethesalariesoftheworkersbyraisingtaxes.Butthegovernmentispowerlesstocollectthetaxes,soitprintsmoremoneytocompensateforthegoodsitmustpurchase.Thisnewmoneygoestotheworkerswhoproducedthegoods;asaresult,thepeoplearenotforcedtogiveupcertainthingsforawhile—theyactuallybecomericher.Whilethismightappeartobeapositivestep,itisactuallyregressive.Everymonththegovernmentisforcedtoprintmoreandmoremoney,therebyincreasingitsliabilitiesuntil,itisdestroyed.Theonlywaytopreventtotaleconomiccollapseinsuchasituationisforthegovernmenttoincreasetaxesinamannerthatischaracterizedbyimpartialitytoeveryoneinvolved.
21.Whichofthefollowingmightoccurduringhyperinflation?
录音原文提到Hyperinflationisdefinedas...asteepincreaseinprices.恶性通货膨胀被定义为价格急剧上涨的经济环境。
价格急剧上涨即D项的Soaringprices。
(2).A.Hyperinflationisjustapassingphaseintheeconomicdevelopment.
B.Peoplecouldbenefitalotfromhyperinflation.
C.Hyperinflationisusedbyagovernmenttoraisetaxes.
D.Hyperinflationmaycausethedownfallofagovernment.(分数:
1.00)
A.
B.
C.
D. √
解析:
[解析]
Whatdoesthepassageimply?
录音原文提到Everymonththegovernmentisforced...untilitisdestroyed.每月政府被迫印刷越来越多的纸币,负债不断增加直至垮台。
因此恶性通货膨胀可能导致政府垮台。
(3).A.Harmful.B.Negative.C.Goingback.D.Progressive.(分数:
1.00)
A.
B.
C. √
D.
解析:
[解析]
Whatdoestheword"regressive"probablymean?
录音原文提到Whilethismightappeartobeapositivestep,itisactuallyregressive.尽管政府不断印钞表面上看来推动经济前行,实际导致经济衰退。
goingback即经济衰退。
(4).A.Thecauseofhyperinflation.
B.Thedangersthathyperinflationbringstoacountry.
C.Therelationshipbetweentaxesandhyperinflation.
D.Thesupplyofmoneyandhyperinflation.(分数:
1.00)
A. √
B.
C.
D.
解析:
[解析]
Whatdoestheauthorcentersoninthispassage?
录音原文提到Inaccordancewiththelawsofeconomics,threefactorscombinetocreatethiscondition.根据经济规律,三方面原因导致恶性通货膨胀的发生。
可推断出该文旨在说明恶性通货膨胀的原因。
六、PassageTwo(总题数:
1,分数:
3.00)
(分数:
3.00)
(1).A.Itconsistsofonecommercialcreditandonestandbycredit.
B.Itconsistsoftwoentirelyseparatedocumentarycredits.
C.Itconsistsofacreditandsomecommercialdocuments.
D.Itconsistsofabillofexchangeandabilloflading.(分数:
1.00)
A.
B. √
C.
D.
解析:
[解析]25-27
Back-to-Backcreditsconsistoftwoentirelyseparatedocumentarycredits,butonecreditmayactassecurityfortheother.Theyapplyintransactionswhenactualsuppliersandultimatebuyersdealthroughamiddleman.Ifthesupplierinsistsonadocumentarycredit,themiddlemanmayapplytohisbankforacreditonhisbehalf.Ifthemiddleman'sbankissatisfiedwithhiscreditworthiness,thebankwillissuethecreditinthenormalwayandnootherformalitieswillapply.However,the"back-to-back"creditcomesintouseifthebankinsiststhatthemiddlemanobtainadocumentarycreditinhisfavorfromtheultimatebuyerassecurityforthe"back-to-back"creditinfavoroftheactualsupplier.Onlythemiddlemanandhisbankerknowthe"back-to-back"credit,andonlytheyareconcernedwithcredit.
25.Whatdotheback-to-backcreditsconsistof?
录音原文提到“Back-to-Back”creditsconsistoftwoentirelyseparatedocumentarycredits,…背对背信用证由两个完全不相关的信用证组成。
(2).A.Whenactualsuppliersandultimatebuyersdealthroughamiddleman.
B.Whenbuyersandsellersagreetomakesettlementbymeansoflettersofcredit.
C.Whenbuyersdon'tagreetomakepaymentoncollectionbasis.
D.Whensellersinsistsonadocumentarycredit.(分数:
1.00)
A. √
B.
C.
D.
解析:
[解析]
Inwhichsituationdotheback-to-backcreditsapply?
录音原文提到Theyapplyintransactionswhen...throughamiddleman.背对背信用证适用于最初供货商和最终买方通过中间商进行的交易。
(3).A.Theultimatebuyer.B.Themiddleman.
C.Theissuingbank.D.Theactualsupplier.(分数:
1.00)
A.
B.
C. √
D.
解析:
[解析]
Inwhosefavoristheback-to-backcreditissued.?
录音原文提到However,the"back-to-back"creditcomesintouseif..."back-to-back."creditin
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