金融专业英语阅读(答案)
金融考研英语二真题答案
金融考研英语二真题答案一、阅读理解Passage 11. C2. B3. APassage 24. D5. A6. CPassage 37. A 8. D 9. B二、完形填空10. C 11. D 12. B 13. B 14. C15. A 16. D 17. B 18. C 19. A20. D 21. C 22. A 23. B 24. D25. A 26. B 27. C 28. D 29. C30. B三、综合阅读填空31. F 32. G 33. D 34. E 35. C36. A 37. H 38. B 39. C 40. F41. G 42. H 43. E 44. D 45. A四、翻译46. 参加这个考试的人数远远超过了预期。
47. 因为她的资历和经验，她被任命为部门经理。
48. 金融市场的波动可能会导致投资者的损失。
49. 这个项目在规定的时间内完成了，这是我们的重要成绩之一。
50. 自从经济危机以来，许多公司都采取了削减开支的措施。
五、作文题目：中国金融市场的发展与挑战随着中国经济的迅速崛起，中国金融市场也经历了快速发展。
然而，在这一过程中，金融市场也面临着一些挑战。
本文将探讨中国金融市场的发展现状以及所面临的主要挑战。
首先，中国金融市场的发展取得了显著的成就。
中国已成为全球第二大经济体，具有庞大的消费市场和潜力巨大的投资机会。
在金融领域，中国的股票市场、债券市场和期货市场迅速增长，并与国际市场融合。
同时，中国还积极推动金融创新，包括在线支付、数字货币等，为经济发展提供了新的动力。
然而，中国金融市场也面临着一些挑战。
首先，金融风险是发展中国金融市场的主要威胁之一。
目前，中国金融市场对外开放程度的提高使得外部冲击因素增加，金融市场波动性加大。
其次，市场监管和风险防范体系仍然不完善，监管能力、监管水平等需要进一步提升。
此外，金融市场的不均衡发展也是一个问题，一些地区和行业相对较弱，与一线城市相比，发展水平还有差距。
金融硕士英语阅读理解习题及答案
金融硕士英语阅读理解习题及答案North China's Tianjin Municipality（直辖市）has started a “Blue Sky Project” to control the air pollution. Under the project requirements, the air quality in Tianjin is expected to measure up to the national standard by 2007, when two thirds of days in the year will enjoy fairly good or excellent air quality. In order to achieve the goal, Tianjin will take a series of measures such as controlling the use of coal, reducing the dust floating from construction sites, planting trees along the major streets, and replacing petrol with liquid natural gas as the fuel for vehicles. Since people paid little attention to the environmental protection, the air quality in Tianjin has worsened during the past decade. The project has received wide praise and support from the natives. *The newly-discovered “Great Wall” in south China's Hunan ProvincNE-HEe will open to visitors in the near future. “We will try to make it an internationally famous attraction for tourists, ” said Yuan Xinhua, director of the Hunan Provincial Tourism Administration（管理局）。
金融英语真题和答案
金融英语真题和答案Financial English Certificate Test( Banking: Comprehensive)2007Part One ListeningPart One ListeningSection One (10%)Directions: In this section, you will hear ten short statements. Each statement will be spoken only once. After each statement there will be a pause. During the pause, you must read the four suggested answers marked A, B, C and D, and decide which is the best answer. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center. Now you will hear the example:She went to the bank with Mr. Smith. ,A. She went home.B. She liked Mr. Smith.C. She went to the bank.D. She went to Mr. Smith's house.Sentence C, " She went to the bank." is the closest in meaning to the statement " She went to the bank with Mr. Smith. " Therefore, you should choose answer C. Now listen to the statements.1. A.House mortgage has a short history.B.House mortgage appeared in recent years in China.C. Nowadays, people still couldn't accept the idea of house mortgage.D.Many years ago people accepted house mortgage in China.2. A. If a country wants to be a member of the World Bank, itshould first be the member of the International Monetary Fund.B. The membership of the International Monetary Fund is not so important.C. The membership o f the International Monetary Fund is not important at all.D. A few countries want to be members of the World Bank.3.A.Face value is not important. B.Maturity date is not important.C. Coupon rate is important.D.Nothing is important.4. A.The value of the U.S. dollar changed a lot.B. The value of the U.S. dollar didn't change a lot.C. The value of U. S. dollar had no change.D. The value of the U.S. dollar had little change.5.A.They will pay 100 francs in advance. B.They will pay 130 francs in advance.C.They will pay 130 francs later.D.They will pay 120 francs later.6.A. He forgot to bring his safe. B. He forgot to close his safe.C. He forgot the code of his safe.D.He forgot to open his safe.7.A. In the U.S., the Federal Gold Reserve acts as the central bank.B. In the U.S., the central bank is the commercial bank.C. In the U.S., there is no central bank.D.In the U.S. , the central bank is not so important.8.A. Don't change your ideas. B.Don't change the accounts.C. Don't leave the bank.D. Don't forget to take your change.9. A. Barter trade was very important.B. Barter trade was not the original form.C. Money was very important.D. Barter Trade was the original form of international transaction.10.A.If you lose your bank notes, you will not get them back.B. If you lose your bank notes, you will get compensation.C. If you lose your bank notes, you can get them back soon.D.If you lose your bank notes, most probably, you will not get them back.Section Two (10 marks)Directions: In this section, you will hear ten short conversations. At the end of each conversation, a question will be asked about what was said. The conversation and the question will be spoken only once. During the pause, you must read the four choices marked A, B, C, D, and decide which is the best answer. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center. Now you will hear: M: Does our bank have a direct correspondent relationship with the Bradlays' Bank? W: No, we don't. So we have to advise this L/C via another bank.Q: Which of the following is right? ; r ;Now you will read:A.We can advise this L/C to the Bradlays' Bank.B.The Bradlays' Bank is our correspondent.C.The L/C has to be advised by a third bank.D.We should advise this L/C by ourselves.From the conversation we know that we have to advise this L/C via another bank. The best answer isC.Therefore you should choose answer C.11.A. You must report the loss of your card immediately tothe bank.B. You will be scolded.C.You must give a new card to the bank.D. You must pay for the new card.12.A.Checks. B.Traveler's checks. C. Travelers' letters of credit.D. Securities. '13. A.The third bank is the issuing bank.B.The third bank is not the confirming bank.C. The letter of credit should be confirmed by the third bank.D. The letter of credit should be confirmed by the issuing bank.14.A.The beneficiary doesn't want to carry the money with himself.B. The beneficiary does so for the sake of safety.C. The beneficiary does so for the sake of convenience.D.The beneficiary doesn't want to pay the money.15.A.In order to avoid problems arising from fluctuations of exchange rate.B. In order to get more money.C.In order to use the money as soon as possible.D. In order to overdraw the money.16. A.In Australia. B.In Austria. C.In China. D.In the U.S.17. A.I won't advertise.B. I don't want to report to the police station.C. 1 will be worried about this.D.I'll advertise or report to the police station.18. A. Three - month. B. Six - month. C. 15 days. D. Twelve - month.19.A.RMB. B.Hongkong Dollar. C. Dollar. D. Franc.20. A.The government. B.The banks. C.The leaders. D.The fund authoritiesSection three (10 marks)Directions: In this section you will hear three short passages. At the end of each passage, you will hear some questions. The passages and the questions will be spoken only once. After you hear a question, you must choose the best answer from the four choices marked A, B, C, and D.Then mark the corresponding letter on the ANSWER SHEETwith a single line through the center.Passage One21. A.1994 B.1996 C.1998 D.199522. A.280 million B.I80 million C.280 billion D.I80 billion23. A.small projects B. financing key state construction projectsC.hope projectsD.private projectsPassage Two24.A.hotel expenses B.stock exchangeC.plane expensesD.restaurant expenses25.A. It can avoid the necessity of carrying large amount of cash.B. You needn't purchase large amounts of traveler's checks.C. You needn't use personal checks in places other than your own locality.D.It can't provide an instant cash service in case you run out of money.26. A. very useful and convenient B. uselessC. a waste of moneyD. not popular27. A. American Express B. Chinese Peony Card C. DragonCard D. Credit Card Passage Three28. A.The Asian markets are in recession.B. No investment is worth keeping if it robs of your sleep.C. If you need the money today, you should have sold the stocks now.D.It is easy to be brave and keep buying during a bull market.29. A.50 B.15 C.60 D.7030. A. You can live a happy life.B. Though you are not rich, you can enjoy a long and happy life.C. You can have a big mansion in Spain.D. You can live to see your granddaughter's graduation.Tart Two.ReadingSection One(lOmarks)Directions: There are ten statements in this section. For each statement there are foure choices markedA, B, C and D. You should choose the best answer and mark the corresponding letter on the ANSWER SHEET by drawing a single line through! the center.31.Before making a loan, potential lenders determine the borrower's ability to meet ______A. scheduled paymentB. his creditorC. the government s requirementsD. the stockholders'requirements32. _____ may make wage demands based on the accounting information that shows their employer' s reported income.A. CreditorsB. EmployeesC. Labor unionD. B & C Above33. Not all of those _____ takeovers continue to run the business they have bought.A. to be carried outB. carrying outC. being carried outD. carried out34. In February 2001, when the currency union fell ________, the official reserves had fallen to less than $2400 million.A. apartB. ToC. acrossD. under35. When the collecting bank receives from the presenting bank the documents forcollection,it_______________.A.should examine all documents to ascertain whether or not they appear,or on theirface, to be in compliance with them.B.may examine either the documents or the instructions to collect the proceeds.C.will examine documents in order to obtain instructions.D.will not examine documents in order to obtain instructions .36 .The minimum registered capital for the establishment ofa commercial bank shall be RMB_______ yuan.A.10millionB.100millionC.1billionD.10 billion37 .The ratio of liquid assets to liquid liabilities of a commercial bank shall not fall short of_______ per cent .A. 25B. 8C.75D.1038 . If we have a quote of 1 . 4950/1 . 4960 for $ /DM , __________ .A. the first rate is the buying rate for the dollarB. he first rate is the buying rate for the DMC. the second rate is the buying rate for the dollarD. the second rate is the selling rate for the DM39. Recovery from the turmoil in Asian financial markets has been remarkably rapid butthe problems have left _____ scars on the local banking system.A. lastB. lastingC. to lastD. lasted40. State interference carried with it an implied guarantee, so bankers paid no heed _____ the financial risks they were undertaking.A. toB. atC. towardsD. againstSection Two (10 marks)Directions: There are a number of blanks in each of thefollowing passages. For each blank there are four choices marked A, B, C and D. You are supposed to choose the best answer and mark the corresponding letter on the ANSWER SHEET by drawing a single line through the center.Passage OneAll foreign exchange _ 41 _ 42 _account transactions shall be repatriated, unless otherwiseby domestic establishments from43_ by the State Council. All foreign exchange receipts from capital transactions ___44 __ in foreign exchange account 45 _ at designated foreign exchange banks in accordance with the relevant state regulation, such revenues can also be sold to a designated foreign exchange bank upon the approval by the SAFE.41.A.expenditure B.receipts C. surplus D. yields42. A. current B. foreign exchange C. capital D. gold43. A. specified B. appointed C. designated D. approved44. A. may be deposited B. shall be deposited C. may be credited D. can be debited45. A. held B. Owned C. possessed D. drawnPassage TwoIn the foreign exchange market, which is made up of banks' traders and brokers, prices _ 46 _ every minute _ 47 _ to supply and demand. For safety's sake, a branch will get a rate from their traders fora big transaction. This process would be too cumbersome, however, for every small transaction. Therefore the traders give their branches lists of exchange rates _ 48 _ they may buy and sell notes and payments in the main currencies.Whenever a bank in Britain makes a payment in foreign currency, or makes a payment in sterling to a non - resident, the payment has first to _ 49 _under British exchange control regulations. The bank itself can usually authorize the payment after seeinga document such as an invoice to show that the payment is due; but cases _ 50_ borrowing and lending have to be referred to the Bank of England.46. A.alter B. vary C.turn D. convert47. A.in response B. respondent C.responding D. Answering48. A. of which B. on which C. in which D. at which49. A. Authorizing B. Authorize C. be authorized D. have been authorized50. A. Involving B. Involve C. will involve D. being involvedSection Three (10%)Directions: Read the following passages, and determine whether the sentences are " Right" or "Wrong" . If there is not enough information to answer "Right" or "Wrong" , choose "Doesn' t say". Then mark the corresponding letter on the ANSWER SHEET by drawing a single line through the center.Passage 1One of the most important functions of the accounting process is to accumulate and reportac-counting information that shows an organization's financial position and the results of itsopera-tions . Many businesses publish such financial statements at least annually. The subdivisionof the accounting, process that produces these general - purpose reports is referred to as financial accounting. Another major function of accounting is to provide management with the data neededfor decision making and for efficient operation of the firm.Although management people routinely receive the financialreports , they also require var-iousother information, such as the unit cost of a product, estimates of the profit earned from a specific sales activity, cost comparisons of alternative courses of action and long- range bud-gets . Theprocess of generating and analyzing such data is often referred to as managerial ac-counting .51.The purpose of managerial accounting is to prepare financial statements every year.A. RightB.WrongC.Doesn't say52.Financial statements include balance sheet, income statement and cash flow statement.A.RightB.WrongC. Doesn't say53 . Financial statements are used only by the outsiders of a firm .A.RightB.WrongC.Doesn't say54 .he management of a firm needs to use the results of both financial accounting as well as managerial accounting.A.RightB.WrongC.Doesn't sayPassage TwoDuring this period a number of important structural measures have been taken with partic-ular significance for thebanking sector. The first was the unification of the Renminbi (RMB) exchange rates and foreign exchange markets in January 1994. Second, the passage of central banking and commercial banking laws in 1995 has provided legal basis for the banking system in China. Third, the acceptance of the obligations of Article VIII of the Articles of Agreement of the International Monetary Fund in December 1996, namely commitment to RMB current-ac-count convertibility,has officially removed the remaining restrictions on international payments for trade and service transactions.55. foreign exchange can be bought or sold without any restrictions in foreign exchange mar-kets.A. RightB. WrongC. Doesn't say56. The passage of cantral banking and commercial banking laws has made the banking systemof China healthier, stronger and more vigorous.A. RightB. WrongC. Doesn't say57. International payments for trade and service transactions can be made freely because RMB current accounts are convertible since 1996.A. RightB. WrongC. Doesn't sayPassage threeAccounting provides the techniques for gathering economicdata and the language forcom-municating such data to different individuals and institutions.Investors in a business enterprise need information about its financial status and its future prospects. Bankers and suppliers appraise the financial soundness of a business organization and assess the risks involved before making loans or granting credit. Government agencies are concerned with the financial activities of business organizations for purposes of taxation and reg-ulation. Employees and their union representatives are also vitally interested in the stability and profitability of the organization that hires them. All of them, individuals or institutions, can obtain necessary information and make their appropriate decisions with the help of account-ing techniques. For example, comparison of past performance with planned objectives may re-veal the means of acceleration, favorable trends and reducing those that are unfavorable.58. The financial position and future prospects are of the concern of business investors.A.RightB.WrongC. Doesn't say59. Before making loans to customers, banks would try to get rid of risks involved.A.RightB.WrongC. Doesn't say60.Employees may show little concern in the earnings of a business enterprise in which they work.A.RightB.WrongC. Doesn't saySection Four (20%)Directions : There are ten statements in this section . For each statement there are four choices marked A , B , C and D . You should choose the best answer and mark the corre-sponding letter on the ANSWER SHEET by drawing a single line through the center.Passage 1When a savings account is opened in a bank, The depositor must sign a deposit agree-ment . By signing agreement , the depositor agrees to abide by the rules and regulations of the bank. These rules and regulations vary with different banks and may be altered and amended from time to time. At this time, a passbook may be given to the depositor. This is a small book in which the bank teller enters the date and amount of each deposit or withdrawal and initials the entry . The passbook is to be presented at the bank or mailed to the bank along with a de-posit or withdrawal slip each time money is deposited or withdrawn from the account . An alter-native practice for depositing or withdrawing money from a savings account is to give the deposi-tor a small register for recording deposits and withdrawals and a pad of deposit - withdrawal forms. This procedure eliminates the use of the passbook. Each time a deposit or withdrawal from savings is made, the appropriate part of one of the forms is filled in, signed, recorded in the register and presented or mailed to the bank with deposit items or other documents. The bank gives a machine - printed receipt to the depositor or returns it by mail . There should be a separate savings account in the ledger to record these activities.Traditionally, the principal differences between a savings account and a checking account are that interest is paid regularly by the bank on a savings account and withdrawals from a sav-ings account may be made at the bank or by mail by the depositor or an authorized agent. De-positors use checking accounts primarily as a convenient means of making payments, while sav-ings accounts are used primarily as a means of accumulating funds with interest . An increasing-ly common practice is for the bank to combine savings and checking accounts and get deposi-tors' permission to make automatic transfers of funds from the savings portion to the checking portion whenever the latter falls below a specified minimum balance . This amounts to giving the depositor an interest - earning checking account.61 . What is the primary purpose of a savings account?A .For interestB .For transfer of fundsC .For accumulating funds with interestD .For making profits62 .What is the aim of a small register and a pad of deposit withdrawal forms?A.To attract depositsB.To improve bank servicesC .to eliminate the use of the passbookD .To promote banking business63 .What is the purpose of signing a deposit agreement?A.To follow the bank's rules and regulationsB.To have the right to make full use of the bank's facilitiesC.To open an account in the bankD.To protect the depositor's interest64 .What does a depositor do with a passbook?A.He makes deposits with a bankB.He withdraws money from a savings accountC .He withdraws money from a checking accountD.Both A and B65 .For what purpose does a bank try to combine a savings account and a checking account?A.For holding more fundsB.For covering the checking account falling below the specified minimum balanceC .For automatic transfer of fundsD .Both B and CPassage TwoDocument against acceptance ( D/A) is exactly like document against payment ( D/P) except that, instead of signing the sight draft and paying on presentation of documents to re-ceive the bill (s) of lading, the importer accepts the usance (time) draft that creates an obli-gation similar to a promissory note called a trade acceptance. This can be used for finance pur-poses under some conditions. This is a promise to pay in a certain number of days, after ac-cepting the documents, usually for a term of between 30 and 180 days. D/A terms are more secure than open account because the transaction and receipt of goods are evidenced by a nego-tiable instrument. It is much easier to enforce a financial instrument than an account receiv-able, which must be proven to the courts. However, a sharp increase in risk over D/A oc-curs because the importer now has the goods, and the exporter only has a promise to pay. The bank has no responsibility to collect the funds on or after the due date. Both your bank and the foreign bank are purely agents for transmittion and collection. Itis very important not to confuse a banker's acceptance, which carries the credit of a bank, with a trade acceptance mentioned here. The latter is no better than the credit and integrity of the buyer as opposed to the bank.66.If D/A terms are used to settle international transaction, then ______.A.the seller must pay on presentation of documents.B.B. A sight draft is usually usedC.The importer can get the bill (s) of lading only after he accepts the time draftD.A promissory note is created67.In the passage, the sentence "this can be used for finance purposes under some condi-tions" means that ______.A. the buyer gives credit to the sellerB. the buyer can get the goods and even sell it before he has to payC. the buyer promises to pay in 30 daysD. an obligation is created68.To the seller, which of the following is disadvantage of D/A?A. It is much more secure in comparison with open account.B.It is much more enforceable than an account receivaleC . The seller has to incur much higher risk of dishonor ,of the bills .D . The collecting bank is responsible for the payment in the event of the dishonor of thebills.69.The most important difference between a banker's acceptance and a trade acceptance is that______ .A. the acceptances are made by different agentsB. credits are given by different agentsC. the banker's acceptance is inferior to a trade acceptanceD. the banker's acceptance depends on the bank's credit , while the later depends onthe credit of the buyer70. The word "conduits" in the passage means ______ .A . The banks assume no responsibility if the buyers fail to meet their payment obligation specifiedin the commercial contractB. the banks assume no responsibility for consequences arising from any causes beyond theircontrolC .just acting as agents , the banks transmit documents and collect money in accordancewith the directions given by the principalD . all of the abovePassage FourBanking organizations are highly geared, much more than commercial or industrial compa-nies. They have custody of large volume of monetary items, which makes them vulnerable to misappropriation and fraud. They therefore need to establish formal operating procedures, well defined limits for individual discretion rigorous system of internal control. Banking organiza-tions engage in a large volume and variety of transactions. This necessarily requires complex accounting and internal control system and widespread use of electronic data processing. Bank-ing organizations often assume significant commitments without any transfer of funds. These items may not involve accounting entries and consequently the failure to record such items may be difficult to detect. And most importantly, the failure of a bank,unlike most commercial firms, affect more than the fortunes of its shareholders and creditors, and may destabilized the whole economy.Effective supervision of banking organizations is an essential component of a strong eco-nomic environment in that the banking system play a central role in making payments and mobi-lizing and distributing savings . Strong and effective banking supervision provides a public good that may not be readily available in the marketplace. Along with effective macroeconomic poli-cy , it is critical financial stability in any country . While the cost of banking supervision is in-deed high, the cost of poor supervision has proved to be even higher.For all these reasons, banks throughout the world are generally accorded a higher degree of official , supervision and regulation than other types of businesses . At the same time , banks are also provided with important elements of official protection . For example , the central bank usually acts as a lender of last resort to protect commercial banks against a temporary liquidity drain. This protection is an important component of the official safety net bankstopping the banking system. Another major aspect of that safety net takes the form of deposit insurance fund to guarantee bank depositors that they will get their money back in the event of a bank failure .71. Why should banks need to establish formal operating procedures?A. The supervisory authorities require them to do so.B. The shareholders expect a reasonable return on their investment.C . The banks have to keep safe large volume of monetary items raised from all sources .D . The banks engage in a large volume and variety of transactions .72 . Which of the following requirements is NOT mentioned in successfully dealing with largevolume and variety of transactions?A . A large number of skillful staff and expertise .B. Effective internal control systemC . Complex accounting systemD . Wide - spread use of electronic data processing73. "Vulnerable to in line 3 probably means __________ .A. subject toB. easy to be attacked byC . of great volumeD. likely to damage74 . A high degree of official supervision and regulation on bank organizations are importantbe-cause __________ .A . The governments of many countries want to control banksB . There are too much trouble in banking sectorC . It is crucial to stabilize the financial sector and the whole economyD. The banks make much more deposit insurance fund75 . What is the main function of deposit insurance fund?A . To ensure that the banks have sufficient fund to finance other economic sectors .B . To protect the banks from all kinds of risks arising from their operationC . To meet requirements of financial needs of the publicD . To pledge to depositors that their money is safe whenevera bank is insolvencyPart Three (20%) WritingSection One (5%)See the chart ,fill the gap with the correct answer.(see the answer).Section TWO(5%)DirectionsTranslate the following sentences into Chinese. Write your translation on the ANSWERSHEET.1.Investment banking are banking activities associated with securities underwriting ,makinga market in securities ,and arranging mergers, acquisitions and restructing .2. The source of foreign exchange for overseas investment by domestic entities must be reviewed by the SAFE before the application for such investment is filed with the relevant government agencies.3.Bank accounting basis refers to methods for recognizing revenues expenses, assets and liabilities in accounting statements. Major bases of accounting include the accrual, cash and modified cash bases。
《金融专业英语》习题答案
Chapter One Functions of Financial Markets 一．Translate the following sentences into Chinese.1.China’s banking industry is now supervised by the PBC and CBRC. In addition, the MOFis in charge of financial accounting and taxation part of banking regulation and management.目前中国银行业主要由中国人民银行和银监会进行监管。
此外，财政部负责银行业监管的财务会计及税收方面。
2.Currently Chinese fund management companies are engaged in the following business:securities investment fund, entrusted asset management, investment consultancy, management of national social security funds, enterprise pension funds and QDII businesses.目前中国的基金管理公司主要从事以下业务：证券投资基金业务、受托资产管理业务、投资咨询业务、社保基金管理业务、企业年金管理业务和合格境内机构投资者业务等。
3.China's economy had 10% growth rate in the years before the world financial crisisof 2008. That economic expansion resulted from big trade surpluses and full investment.Now China is seeking to move away from that growth model. The country is working to balance exports with demand at home.在2008年世界经济危机之前的那些年，中国经济增长速度曾达到10%。
《金融英语》习题答案unit1-10
“高职高专商务英语专业规划教材”Unit 1 Financial Market Research练习参考答案I.Read through the text and answer the following questions.1.A financial market is a mechanism that allows people to easily buy andsell (trade) financial securities (such as stocks and bonds), commodities (such as precious metals or agricultural goods), and other fungible items of value at low transaction costs and at prices that reflect the efficient-market hypothesis.2.The raising of capital ;the transfer of risk and international trade3.Capital markets,commodity markets,money markets, derivative markets,insurance markets and foreign exchange markets .4.Financial markets fit in the relationship between lenders andborrowers.5.Individuals, companies, governments, municipalities and publiccorporations.II. Paraphrase the following expressions or abbreviations and translate them into ChineseCheck the answers from the Special Term Lists.III. Fill in the blanks with the proper wordsThe global financial crisis, brewing for a while, really started to show its effects in the middle of 2007 and into 2008. Around the world stock markets have fallen, large financial institutions have collapsed or been bought out, and governments in even the wealthiest nations have had to come up with rescue packages to bail out their financial systems.On the one hand many people are concerned that those responsible for the financial problems are the ones being bailed out, while on the other hand, a global financial meltdown will affect the livelihoods of almost everyone in an increasingly inter-connected world. The problem could have been avoided, if ideologues supporting the current economics models weren’t so vocal, influential and inconsiderate of others’ viewpoints and concerns.IV.Translation.1.金融市场包括很多方面，包括资本市场，华尔街，甚至是市场本身。
金融专业英语2002答案
1．银行是什么？无论是对于整个经济还是对于某一地区的经济而言，银行都是很重要的，同样地，人们对银行的准确含义也充满了困惑。
当然，可以通过银行在经济中的职能（服务或作用）来给银行下定义。
问题在于，不仅仅银行的职能在变化，其主要竞争对手的职能也在变化。
事实上，从提供的服务上来看，许多金融机构（包括主要的证券承销商、经纪公司、共同基金和保险公司）都类似于银行。
相反，银行家们则通过游说方式争取权力以便能够开展房地产和全面证券经纪业务、保险理赔业务、共同基金投资和其他许多新的服务，藉此向非银行竞争对手挑战。
许多法规发生变化的结果是，导致了对于什么是银行什么不是银行这一问题，目前公众心里一片茫然。
根据这些机构对公众提供服务的种类来评价，或许是最保险的做法。
银行是提供最广泛金融服务（尤其是信贷、储蓄和支付业务）的金融机构，并执行经济中所有商业形式的最广泛的金融职能。
这种服务和职能的多样性，使银行被称为“金融百货公司”。
2.货币政策间接工具的运用在20世纪70年代末期，有些工业化国家开始逐步摒弃一些曾经用来实施货币政策的直接工具，包括信贷控制，利率上限，有时是直接存款，并开始完全采用间接工具，比如，公开市场操作、再贴现和准备金要求。
在最近几年，发展中国家和过渡经济体也开始采用这些间接工具，而且呈上升趋势。
间接货币政策在货币领域里发挥着日益重要的作用，就如同经济中价格信号的功能日益广泛一样。
二者有着共同的目标：提高市场效率。
或许更为重要的是，转向间接工具的行为发生在一个日益开放的经济环境里，“经常性项目可兑换”被广泛采用。
在这样一种环境下，直接工具的效果越来越差，最终会导致完全无效和非居间化投资。
如果没有货币政策的间接工具，管理当局就没有办法解决任何过剩流动性带来的问题，而过剩的流动性会妨碍他们稳定经济的努力。
3.为什么要对银行进行严格管制？为什么要对银行进行严格管制？有很多理由可以解释政府监管这一重负，这已经有几个世纪的历史了。
金融英语综合阅读秦秀白第二版答案
金融英语综合阅读秦秀白第二版答案Questioned Educational Function of TVChildren learn almost nothing from television, and the more they watch the less they remember. They regard television purely as entertainment, resent programs that demand on them and are surprised that anybody should take the medium seriously. Far from being over-excited by programs, they are mildly bored with the whole thing. These are the main conclusions from a new study of children and television. The author- Cardiac Cullingford confirms that the modern child is a dedicated viewer. The study suggests that there is little point in the later hours. More than a third of the children regularly watch their favorite programs after 9 p.m. all 11-year-olds have watched programs after midnight. Apart from the obvious waste of time involved, it seems that all this viewing has little effect. Children dont pay close attention, says Cullingford, and they can recall few details. They can remember exactly which programs they have seen but they can rarely explain the elements of a particular plot. Recall was in reverse proportion to the amount they had watched. It is precisely because television, unlike a teacher, demands solittle attention and response that children like it, argues Cullingford. Programs seeking to put over serious messages are strongly disliked. So are people who frequently talk on screen. What children like most, and remember best, are the advertisements. They see them as short programs in their own right and particularly enjoy humorous presentation. But again, they react strongly against high-pressure advertisements that attempt openly to influence them. On the other hand, they are not emotionally involved in the programs. If they admire the stars, it is because the actors lead glamorous lives and earn a lot of money, not because of their fictional skills with fast cars and shooting villains. They are perfectly clear about the functions of advertisements; by the age of 12, only one in 10 children believes what even favorite ads say about the product. And says Cullingford, educational television is probably least successful of all in imparting attitudes or information.练： 1. The study of children and television shows thatA) it is useless for television companies to delay adult viewing to the later hours.B) It is a waste of time for children to watch adult programs on TV.C) Children should not watch television programs late into the night.D) Children are supposed to learn a lot from television programs.2. Recall was in reverse proportion to the amount they had watched has almost the same meaning as A) the more they watch the less they remember.B) Programs seeking to put over serious messages are strongly disliked.C) They see them as short programs in their own right.D) educational television is probably least successful of all in imparting attitudes or information.3. Which of the following is NOT true according to the new study of children and television?A) Some children stay up late to watch the programs they likeB) Children enjoy watching challenging programs.C) Children dont like serious messages and high-pressured ads.D) Though children like watching ads, most of them dont believe what ads say about the product.4. Cullingford concludes thatA) children are excited when they watch TV.B) Watching TV has little real effect on children.C) Parents should spend less time watching TV.D) Parents should be worried about the effect of TV on children.5. Whom would the result of the new study upset?A) the advertisers.B) The children viewers.C) The movie stars.D) The educators.答案：AABBD。
金融英语阅读教程课后练习题含答案
金融英语阅读教程课后练习题含答案学习金融英语是一个不断提高自己的过程，需要我们不断阅读、理解并练习。
本文将为大家提供几道关于金融英语阅读的课后练习题，希望大家可以通过这些题目进一步掌握金融英语的核心概念。
练习题1.Which of the following describes a bear market in finance?• A. High stock prices• B. Low stock prices• C. Consistently steady stock prices2.What is the definition of a bond?• A. A type of stock• B. An investment that represents a loan made by an investor to a borrower• C. A type of currency3.What is the role of a stockbroker?• A. They lend money to individuals or businesses• B. They help investors buy and sell stocks and other securities• C. They are responsible for printing and distributing financial statements to investors4.What is the difference between a stock and a mutual fund?• A. A stock represents ownership in a single company; a mutual fund is a collection of stocks and other investments• B. A stock is a type of bond; a mutual fund is a type of stock• C. A stock is a type of currency; a mutual fund is a type of commodity5.What is the purpose of the Department of the Treasury?• A. To regulate the stock market• B. To collect taxes and manage government finances• C. To oversee the Federal Reserve答案1.B. A bear market is characterized by a drop in stock pricesover a sustned period of time.2.B. A bond is a debt security that represents a loan made byan investor to a borrower, typically a corporate or government entity.3.B. Stockbrokers help investors buy and sell stocks, bonds,and other securities. They also provide advice and research to help clients make informed investment decisions.4.A. Stocks represent ownership of a single company, whilemutual funds are a collection of investments, including stocks.5.B. The Department of the Treasury is responsible forcollecting taxes and managing the finances of the federalgovernment. They also oversee the production of currency andmanage the national debt.总结以上是几道关于金融英语阅读的练习题及其答案。
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Lesson OneTranslate the following passage into Chinese1.紧缩性货币政策和扩张性货币政策都涉及到改变一个国家的货币供应量水平。
扩张性货币政策增加货币供应量，而紧缩性货币政策会减少货币供应量。
2.当联邦储备体系在公开市场上购买有价证券，会引起证券价格上涨。
债券价格和利率成反比关系。
联邦贴现率就是一种利率，因此降低联邦利率实际上就是降低利率。
如果联邦储备系统决定降低法定储备要求，那么银行能够进行投资的资金会增加。
这会引起投资比如债券价格的上涨，因此利率会降低。
无论联邦储备体系用何种方法来增加货币供应量，利率都会降低，债券价格会上涨。
Translate the following sentences into English1. China would maintain a stable currency and prudent monetary policy, and expected to stay within its growth and inflation targets this year2.China would also maintain a prudent monetary policy to support economic development while preventing inflationary pressure and financial risks3. China’s economy continued to grow steadily and rapidly in the first quarter, with investment in fixed assets slowing and domestic consumption accelerating.4.because of China’s large increase in its trade surplus and foreign exchange reserves in the first quarter, the effectiveness of its monetary policy — used to help control inflation — was facing “serious challenges.”5. The central bank would seek to further streamline its foreign exchange system to facilitate the orderly outflow of funds. At the same time, it would tighten the management of foreign exchange inflows and settlement.—ThreeTranslation:Translate the following passage into Chinese1．外汇交易当然是指两种不用货币之间的交易了。
每一组货币的交易或“买卖”都包含两个部分。
一个是即期市场，在这个市场中支付（交付）需在交易时立即进行（在实际操作中一般是在第二个交易日进行），另一个就是远期市场。
远期市场的汇率是在交易的时候就先确定了，但实际的交易，或交付则是在未来的某个特定时间进行的。
2．外汇交易期权是指一种货币和另一种货币在未来进行交付的一个合同，在此合同中，期权的所有者有权力以双方商定的价格买进（或卖出）货币，也可放弃该权力。
买进的权力叫看涨期权，卖出的叫看跌期权。
为了获取此种权力就需要支付期权费。
期权的出售者收到期权费后，如果买方行使期权的话，那么卖方就有义务以先前预定的价格交货或收货。
Translate the following sentences into English1．As the internationalization of business grows, so too does your company's exposure to exchange rate fluctuations. The tools and techniques available to help you mange this exposure are developing rapidly but these instruments carry their own particular challenges and risks, and the price for inappropriate hedging strategies can be high.2. While the amount of the transaction, the payments procedure, and the exchange rate are all determined in advance, no exchange of money takes place until the actual settlement date. This commitment to exchange currencies at a previously agreed exchange rate is usually referred to as a forward contract.3. Futures are also standardized in terms of delivery date. The normal currency futures delivery dates are March, June, September and December, while forwards are private agreements that can specify any delivery date that the parties choose.4．Another difference is that forwards are traded by phone and telex and are completely independent of location or time. Futures, on the other hand, are traded in organized exchanges such the LIFFE in London, SIMEX in Singapore and the IMM in Chicago.5．Thus forwards and futures serve similar purposes, and tend to have identical rates, but differ in their applicability. Most big companies use forwards; futures tend to be used whenever credit risk may be a problem.-SixTranslate the following passage into Chinese1. 把交易记录在日记账上标志着复式记账制度的开始。
在这个制度中，一个组织的财务状况受到多个相互关联方面的影响，每一个方面都称作一个账户（例如，应付工资账户）。
每一笔交易都可看作由两个方面或更多方面组成，我们称之为交易的借方（或左边）和贷方（或右边）, 并且，其中每一方面都对组织的财务状况产生各自的影响。
2. 将（所有的财务）数据转入分类账后，把所有账户的借方或贷方余额列出来，计算一下所有的借方余额合计数是否与所有的贷方余额合计数相等（因为每一笔交易都被同时记录为借方和贷方）。
这种方法称为试算平衡。
这一处理程序及其后的那些处理程序都将在财务报告期的后期进行。
一旦成功地做好试算平衡，会计循环的簿记部分就完成了。
Translate the following sentences into English1. Information relating to the financial position of an enterprise is presented on a balance sheet, while disclosures about operating results are displayed on an income statement. Information relating to an organization’s liquidity—namely, how it obtains and spends cash—is shown ona statement of cash flows.2. Modern accounting entails a seven-step accounting cycle. The first three steps fall under the bookkeeping function—that is, the systematic compiling and recording of financial transactions.3. In the next step in the accounting cycle, the amounts that appear in the various journals are transferred to the organization's general ledger—a procedure called posting.4. Subsidiary accounts may also be kept for the wages paid to each employee, for each building or machine owned by the company, and for amounts owed to each of the enterprise's creditors.5 The final step is to close non-cumulative accounts. This procedure involves a series of bookkeeping debits and credits to transfer sums from income-statement accounts into owners' equity accounts.-NineTranslate the following passage into Chinese1. 首先，理赔代表要确认在发生损失时索赔者实际上已从公司购买保险单并且支付的保险费能够包含该时间段。