金融英语模拟题三T3P2Reading.docx
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金融英语模拟题三T3P2Reading.docx
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金融英语模拟题三T3P2Reading
Parttwo Reading
SectionOne(10%)
Directions:
Therearetenstatementsinthissection.ForeachstatementtherearefourchoicesmarkedA,B,C,D.Youshouldchoosethebestanswer.
31.BasleAccordissuedin1988dividesthecapitalofabankinto_______.
A.tieroneandtiertwo
B.passandspecialmention
C.outstandingandexcellent
D.standardandsubstandard
32.The'C'inCAMELSsystemrefersto_________.
A.capacity
B.currency
C.capital
D.capability
33.Thedifferencebetweenthebuyingrateandsellingrateisknownasthe________.
A.spread
B.premium
C.discountt
D.par
34.Theeconomicresourcesofabusinessarecalled________.
A.liability
B.asset
C.owner'sequity
D.expenses
35.whichitemisnotamajorsectioninstatementofcashflows_________.
A.operatingactivity
B.financingactivity
C.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.Aprimarymarket
B.Asecondarymarket
C.Anissuingmarket
D.Thecapitalmarket.
39.Underthetransferredletterofcredit,_________istheaccountparty.
A.buyer
B.middleman
C.seller
D.bank
40.Asinbusinessaccounting,thebalanceofpaymentsrecordsincreasesinassetsanddecreasesinliabilitiesas__________,anddecreasesinassetsandincreasesinliabilitiesas________.
A.debit;credit
B.debits;credits
C.credit;debit
D.credits;detits
SectionTwo(10%)
Directions:
Thereare10blanksinthefollowingpassages.ForeachblankstherearefourchoicesmarkedA,B,C,D.Youshouldchoosethebestanswer.
PassageOne
Banksare__41____lenderstobusinessandconsumerfinancecompaniesunderlineofcreditarrangements.Financecompaniesareananomalyinthattheypermanentlyrelyon__42____.Theysatisfytherestperiodrequirementsoflineofcreditborrowing_43_____rotatingfromonebanktoanother,_44_____onebank'sloanwithloanproceedsfromotherbanks.Largefinancecompanies___45_______significantlytocommercialpaperinrecentyearsandhavedramaticallyreducedtheirrelianceonbankloans.
41.
A.major B.minor
C.key D.important
42.
A.short-termlendings
B.long-termlendings
C.short-termborrowings
D.long-termborrowings
43.
A.with B.at
C.on D.by
44.
A.payingfor B.payingoff
C.payingdown D.paying
45.
A.havechanged B.changed
C.haveshifted D.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.insupportof B.insupport
C.inorder D.inorderthat
47.
A.flowing B.making
C.doing D.operating
48.
A.workingcapital B.workingmoney
C.flowingcapital D.workingmoney
49.
A.before B.after
C.priorto D.around
50.
A.5years B.7years
C.10years D.20years
SectionThree(10%)
Directions:
Readthefollowingpassages,anddeterminewhetherthesentencesare"Right"or"wrong".Ifthereisnotenoughinformationtoanswer"right"or"wrong''.choose"Doesn'tsay".
PassageOne
Theprimaryjustificationforbankingsupervisionistolimittheriskoflosstodepositors,andbysodoingtomaintainpublicconfidenceinbanks.Andwhilesupervisionnaturallyfocusesontheindividualbank,supervisorsmustalsobealerttothepossibilitythatproblemsinoneinstitutionmayhaveeither,systemicrepercussionsonothers,orontheintegrityofthepaymentssystem.
Althoughsupervisorsneedtohavesomeunderstandingofthemarketsandthebusinessenvironmentinwhichbanksoperate,theycannotbeexpectedtoknowasmuchasthebanksthemselvesaboutcommercialrealitiesofbanking.Anyway,itisnotthesupervisor'sroletomakethecommercialdecisionsthataretheprerogativeofbankmanagement.Rather,thesupervisormonitorsandevaluatestheoverallstrategies,policiesandperformanceofthebank----whereappropriatereferencetospecificlegalorprudentialcriteria-----andreachesaviewastothesoundnessofthebankandthecompetenceofthoserunningit.
51.Supervisorshavetheobligationtosaveafailingbank.
A.Right
B.Wrong
C.Doesn'tsay
52.Supervisorsusuallypaymoreattentiontotheindividualbank.
A.Right
B.Wrong
C.Doesn'tsay
53.Asoundbankwillnotsufferfromthebankruptcyofotherunrelatedbanks.
A.Right
B.Wrong
C.Doesn'tsay
54.Supervisorshavetherighttomakedecisionsoncommercialoperationofsupervisedbanks.
A.Right
B.Wrong
C.Doesn'tsay
55.Supervisorsshouldusethesamecriteriatoevaluatetheperformanceofthesupervisedbanks.
A.Right
B.Wrong
C.Doesn'tsay
56.Supervisorsneednotknowtoomuchaboutthecommercialmarketsandbusinessenvironment.
A.Right
B.Wrong
C.Doesn'tsay
PassageTwo
Itisimportanttonotethattherearelimitationsonanexternalexpert'sauthoritythatreflectthedistinctionsbetweenanindependentcontractor/consultantandanemployee.Forexample,aconsultantundercontractwiththeReserveBankhastheauthoritytomakerecommendations,giveopinions,andprovideanalysistotheReserveBankonlywithinthescopeoftheworkoutlinedintheconsultingcontract.Aconsultantdoesnothavepolicy,managerial,ordecision-makingauthority,andmaynotmakefinaldecisions.Whenparticipatingwithanexaminationteamonanexaminationorinspection,theconsultantmustreporttoadesignatedemployeesuchastheexaminer-in-charge,andmaynotserveasanexaminer-in-charge,orotherReserveBankrepresentativebeingpresent.Theconsultantmay,however,independentlyperformdata-gatheringfunctions,suchasinterviewingbankpersonnelorattendingmeetingstocollectinformationtocompletehisorherworkassignment.TheseandotherprovisionsareoutlinedinUniformDocumentsandGuidancetobeprovidedtotheconsultant.
57.Externalexpertscannotbeanexaminer-in-chargewhenparticipatewithinexaminationteamonanexaminationorinspection.
A.Right
B.Wrong
C.Doesn'tsay
58.Anexternalconsultantmaynotattendameetingwithasupervisedinstitutiontopresentfindingsorconclusions.
A.Right
B.Wrong
C.Doesn'tsay
59.Anexternalconsultantmayhavenoauthorityonmakingadecision.
A.Right
B.Wrong
C.Doesn'tsay
60.Anexternalconsultantmayworkindependentlysometimes.
A.Right
B.Wrong
C.Doesn'tsay
SectionFour(20%)
Directions:
Thereare4passagesinthissections.Eachpassageisfollowedbysomequestionsorunfinishedstatements.ForeachofthemtherearefourchoicesmarkedA,B,C,D.Youshouldchoosethebestanswer.
PassageOne
Capitalisatthetopofanybanksupervisor'slist.Themostbasicformofcapitalisequitycapital,whichistheshareholder'sfinancialinterestornetworth.Equitycapitalservesseveralpurposes:
itprovidesapermanentsourceofrevenuefortheshareholdersandfundingforthebank;itisavailabletobearriskandabsorblosses;itprovidesabaseforfurthergrowth;anditgivestheshareholdersreasontoensurethatthebankismanagedinasafeandsoundmanner.Minimumcapitaladequacyratiosarenecessarytoreducetheriskoflosstodepositors,creditorsandotherstockholdersofthebankandtohelpsupervisorspursuetheoverallstabilityofthebankingindustry.
TheBasleCommittee's"CorePrinciplesforEffectiveBankingSupervision"requiresthatsupervisorssetprudentandappropriateminimumcapitaladequacyrequirementsandencouragebankstooperatewithcapitalinexcessoftheminimum.Whenitappearsappropriateduetotheparticularriskprofile,uncertaintiesregardingtheassetquality,riskconcentrationsorotheradversecharacteristicsofabank'sfinancialcondition,considerationsofrequiringhigherthanminimumcapitalratiosareencouraged.Ifabank'sratiofallsbelowtheminimum,bankingsupervisorswillacttoensurethatithasrealisticplanstorestoretheminimuminatimelyfashion,ormayconsiderputtingadditionalrestrictionsonthebank'soperations.
61.Howdoesthebanksupervisorconcernthecapitalofacommercialbank?
A.Banksupervisorputsthecapitaltothemostimportantplaceofhisconcerns.
B.Banksupervisorcareslessaboutthecapitalofacommercialbank.
C.Banksupervisorliststhecapitalinthefirstlineofhisnotebook.
D.Banksupervisordoesnotconcernthecapitaltoomuch.
62.WhichisNOTtrueaboutequitycapitalofabank?
A.Itcanbringincomeforitsshareholders.
B.Itcanprovidefinancialsupporttoabank.
C.Itcanimprovethedevelopmentofabank.
D.Itcannotindicatewhetherabankismanagedinasafeorsoundmanner.
63.What'stheuseofminimumcapitaladequacyratioforabank?
Theratio
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