金融英语业务知识练习试卷15(题后含答案及解析)
金融英语业务知识练习试卷15 (题后含答案及解析)
题型有： 2. 单项选择题
单项选择题
1． Since Property and Casualty Insurance Companies have a greater possibility
of loss of funds if major disasters occur, their funds are invested in______. i.
municipal bonds ii. corporate bonds iii. high grade corporate stocks iv. government
securities v. mortgages
A．i, ii, and iii
B．i, ii and iv
C．i, iv and v
D．i, ii, iii and iv
正确答案：D
解析：答案为D项。财产和灾害保险公司很可能会遇到短期流动性的要求。因此，它们购买市政债券、公司债券、高级别股票、政府债券和短期货币市场金融工具等，但不会投资于住房抵押贷款。故本题选D项。 知识模块：金融英语业务知识
2． The principal attraction of passbook saving accounts relative to time deposits
is______.
A．higher yield
B．liquidity
C．borrowing privileges
D．resale value in open market
正确答案：B
解析：答案为B项。活期存折存款账户相比定期存款而言，主要优势在于其具有的流动性。故本题选B项。 知识模块：金融英语业务知识
3． The Federal Reserve System is ultimately responsible to______.
A．the member banks
B．the President
C．the Congress
D．the Treasury
正确答案：C
解析：答案为C项。美国联邦储备系统对国会负责，国会要求联邦储备系统定期汇报，并有权在它认为合适的任何时候，修改已实施的立法——《联邦储备法案》。故本题选C项。 知识模块：金融英语业务知识
4． The one Federal Reserve district bank which is always represented on the
Federal Open Market Committee is______.
A．Chicago
B．Cleveland
C．New York
D．Washington, D.C.
正确答案：C
解析：答案为C项。由于纽约在美国乃至世界经济金融中的重要地位，纽约联邦储备银行的行长是联邦公开市场委员会的永久成员，其他11个联邦储备银行的行长轮流坐余下的4个席位。故本题选C项。 知识模块：金融英语业务知识
5． Thrift institutions consist of______. i. Savings and Loan Associations ii.
commercial banks iii. credit unions iv. mutual savings banks
A．i, ii and iv
B．i, iii and iv
C．only iii and iv
D．i, ii, iii and iv
正确答案：B
解析：答案为B项。储蓄机构(thrift institution)由储蓄贷款协会、储蓄互助社和互助储蓄银行构成。故本题选B项。 知识模块：金融英语业务知识
6． Certificates of deposit are______.
A．given by the bank to deposit account holders
B．negotiable securities issued by banks
C．issued for a minimum period of one month
D．current assets minus current liabilities
正确答案：A
解析：答案为A项。存单是银行签发给储户的凭证。故本题选A项。 知识模块：金融英语业务知识
7． Well-functioning financial markets______.
A．cause inflation
B．promote political instability
C．produce an efficient allocation of capital
D．cause financial crisesE．eliminate the need for indirect finance
正确答案：C
解析：答案为C项。运转良好的金融市场可以促成资本的有效配置。故本题选C项。 知识模块：金融英语业务知识
8． When two banks agree to be correspondents with each other, they first
exchange their______to verify signatures with authorized ones for different
transactions.
A．passbooks
B．signature books
C．general ledgers
D．remittance orders
正确答案：B
解析：答案为B项。两个银行欲建立代理行关系，应首先交换各自的印鉴簿(signature book)，以便在发生业务往来时核对签字。故本题选B项。 知识模块：金融英语业务知识
9． Which of the following securities are not traded on the New York Stock
Exchange?______.
A．Common stocks
B．Preferred stocks
C．Corporate bonds
D．Financial futures contracts
正确答案：D
解析：答案为D项。纽约证券交易所买卖的是大公司的股票和债券，金融期货合同不在其交易品种之列。故本题选D项。 知识模块：金融英语业务知识
10． The job of the specialist is______.
A．to underwrite the securities of corporations
B．to specialize in the trading of securities within markets
C．to maintain orderly trading for the securities he is in charge of
D．to arbitrage away the price discrepancies of securities traded in more than one
market
正确答案：C
解析：答案为C项。specialist“专业证券商”，证券交易所的会员，主要职责是通过为他自己的账户及其客户的账户买卖证券来保持一些特定种类股票的市场有序运行。故本题选C项。 知识模块：金融英语业务知识
11． Which of the following is considered a market-maker?______.
A．A dealer
B．A specialist
C．An investment banker
D．All of the above
正确答案：D
解析：答案为D项。market-maker“做市商”，指场外市场上负责维持某种
股票的正常交易，并就相应股票对外报价的机构投资者。在我国，指那些实力雄厚，能够在一定程度上决定某种证券市场价格和市场走势的机构投资者，即“庄家”。本题中A项、B项、C项都是做市商，故选D项。 知识模块：金融英语业务知识
12． Which of the following assets would not qualify as an international reserve
to China?______.
A．U.S. dollars
B．Gold
C．RMB
D．EUR
正确答案：C
解析：答案为C项。international reserve“国际储备”，指用作国际支付的外汇储备。国际货币基金将会员国的国际储备规定为：黄金；特别提款权(special
drawing rights，SDR)；外汇；以及会员国在国际货币基金的储备净额。人民币不能作为中国的国际储备。故本题选C项。 知识模块：金融英语业务知识
13． The Federal Open market Committee meets approximately______.
A．once a month in Washington, D.C.
B．once a week in Washington, D.C.
C．once a month in New York City
D．once a week in New York City
正确答案：A
解析：答案为A项。美国的公开市场委员会成员每个月在华盛顿碰头一次。故本题选A项。 知识模块：金融英语业务知识
14． Which of the following Federal Reserve bodies has the final say in the
setting of the discount rate?
A．The Federal Open Market Committee
B．The Board of Governors
C．The Federal Reserve Banks
D．B and C have an equal say in this matter
正确答案：B
解析：答案为B项。在确定贴现率上联邦储备委员会具有最终发言权。故本题选B项。 知识模块：金融英语业务知识
15． Large certificates of deposit are “negotiable”, meaning that______.
A．they make regular interest payments until maturity
B．they return the original purchase price at maturity
C．the buyer is free to negotiate over price
D．they trade on a secondary market
金融英语业务知识练习试卷21(题后含答案及解析)
金融英语业务知识练习试卷21 (题后含答案及解析)
题型有： 2. 单项选择题
单项选择题
1． What is a documentary letter of credit?______.
A．A method of lending against documentary security
B．A conditional bank undertaking to pay an exporter on production of stipulated
document-tation
C．An international trade settlement system biased in favour of importers
D．All of the above
正确答案：B
解析：答案为B项。letter of credit，L／C“信用证”，是银行应进口人的请求，开给出口人的一种有条件的书面付款保证。开证银行保证在收到受益人交付全部符合信用证规定的单据的条件下，向第三者(受益人)或其指定人履行付款责任。信用证是一种银行信用。Documentary letter of credit“跟单信用证”，是指出口商需向银行提交符合信用证条款中所规定的汇票和其他单据。根据跟单信用证的定义，本题应选B项。 知识模块：金融英语业务知识
2． The documentary collection provides the seller with a greater degree of
protection than shipping on______.
A．documentary credit
B．bank’s letter of guarantee
C．banker’s draft
D．open account
正确答案：D
解析：答案为D项。collection“托收”，是出口商开立汇票，委托银行代收款项，向国外进口商收取货款或劳务款项的一种结算方式。documentary collection“跟单托收”，是指出口人将汇票连同商业票据一起交给银行委托代收。与它相对的是“光票托收”(clean collection)，即出口人仅开具汇票，不随附商业票据的托收。letter of guarantee“保函”，是一种银行信用。open account“赊销”。跟单托收比起赊销方式，能为出口商提供更大的安全性。故本题选D项。 知识模块：金融英语业务知识
金融英语业务知识练习试卷22(题后含答案及解析)
金融英语业务知识练习试卷22 (题后含答案及解析)
题型有： 2. 单项选择题
单项选择题
1． Which of the following statements about standby letters of credit is
true?______.
A．They can serve as a guarantee to a buyer against a seller defaulting.
B．They are contrary to the general rule that letters of credit may only be used for
the actual movement of goods.
C．They are unlike a tender (or other) bond in their legal standing and method of
operation.
D．They are unlike a tender bond with its fixed expiry date.
正确答案：A
解析：答案为A项。tender bond“投标保函”。standby letter of credit“备用信用证”，是指开证行根据开证申请人的请求对受益人开立的承诺承担某项义务的凭证。开证行保证在开证申请人未能履行其应履行的义务时，受益人只要凭备用信用证的规定向开证行开具汇票(或／不开汇票)，并提交开证申请人未履行义务的声明或证明文件，即可取得开证行的偿付。备用信用证有保函的功能，可以用来保障买方的利益，只是它的有效期可以延长。故本题选A项。 知识模块：金融英语业务知识
2． A US company is bidding for a contract in China. Its Chinese customer asks
for a performance bond. What is the most likely course of action?______.
金融英语业务知识练习试卷7(题后含答案及解析)
金融英语业务知识练习试卷7 (题后含答案及解析)
题型有： 2. 单项选择题
单项选择题
1． The most liquid of all assets is______.
A．the stock of commercial banks
B．Ml
C．intelligence
D．the debt of major corporations
正确答案：B
解析：答案为B项。MI“狭义货币”，等于流通中现金+商业银行活期存款，是流动性最强的那部分资产。故本题选B项。 知识模块：金融英语业务知识
2． Individuals will accept the medium of exchange in return for goods and
services only if they are confident that______.
A．the inflation rate is zero
B．it possesses intrinsic value
C．they can pass it on to others
D．they can exchange it for gold
正确答案：C
解析：答案为C项。流通手段是货币在商品流通中充当交换媒介的职能，即以货币为媒介进行商品交换。人们在卖出商品、换回货币时，关心的不是流通手段本身有无价值，而是能否换回自己需要的与卖出的商品同等价值的物品。故本题选C项。 知识模块：金融英语业务知识
3． If the government guaranteed that anyone wishing a job would be provided
one, the likely result would be______.
A．massive layoffs
B．an increase in the money supply
C．an increase in inflationary expectations
金融英语业务知识练习试卷33(题后含答案及解析)
金融英语业务知识练习试卷33 (题后含答案及解析)
题型有： 2. 单项选择题
单项选择题
1． Duration is affected by______.
A．coupon rate
B．term to maturity
C．interest rates
D．all of the above
正确答案：D
解析：答案为B项。那些愿意承担50％概率风险的个人被称为风险爱好者(risk—loving individual)。故本题选B项。 知识模块：金融英语业务知识
2． What factors would you look for in a bond when seeking to minimize your
interest rate risk?
A．Low coupon payments and a long term to maturity.
B．High yield to maturity and low coupon payments.
C．High coupon payments and a short term to maturity.
D．Low yield to maturity and a long term to maturity.
正确答案：C
解析：答案为D项。票面利率、期限和利率是影响持续期长短的因素。故本题选D项。 知识模块：金融英语业务知识
3． Hedging refers to______.
A．acceptance of a foreign exchange risk
B．the covering of a foreign exchange risk
C．foreign exchange speculation
D．foreign exchange arbitrage
正确答案：B
解析：答案为C项。投资者在选择债券时，要将利率风险降到最低，就应该选择支付高额定息，且期限较短的债券。故本题选C项。 知识模块：金融英语业务知识
金融英语业务知识练习试卷20(题后含答案及解析)
金融英语业务知识练习试卷20 (题后含答案及解析)
题型有：1.54
B．RMB1 000
C．RMB951.98
D．RMB1 037.62
正确答案：A
解析：答案为A项。决定债券价格的根本因素是债券息票收入和到期票面价值的现值总和，通常市场利率若等于债券的票面利率，则债券平价(ac par)销售；若市场利率高于债券的票面利率，则债券折价销售(below par)；若市场利率低于债券的票面利率，则债券溢价销售(above par)。本题的债券销售价格为：l 000×10％／(1+8％)+1 000×10%/ (1+8％)2+l 000><10％／(1+8％)3+1 000／(1+8％)3=l054。故本题选A项。 知识模块：金融英语业务知识
5． Which of the following is a reason why a company might issue a stock
dividend?______.
A．To show that the company is performing well
B．To give stockholders a nontaxable distribution
C．To increase the shares outstanding, while keeping the price per share low
enough to attract small investors
D．All of the above
正确答案：D
解析：答案为D项。stock dividend“股份股利，股票股利”，即上市公司以本公司的股票代替现金作为股利向股东分红的一种形式。这种分红形式即送红股的形式。所送红股是由红利转增资本或盈余公积金转增资本形成的，属于无偿增资发行股票。股票股利的发放显示了发行公司经营状况良好；股票股利是免所得税的；股票股利的发放将使每股市场价保持在较低的价位，以吸引小投资者，增加发行在外的股票数量。本题中A项、B项、C项表示的都是公司发放股息的原因，故选D项。 知识模块：金融英语业务知识
金融英语业务知识练习试卷31(题后含答案及解析)
金融英语业务知识练习试卷31 (题后含答案及解析)
题型有：1.jpg />
A．4%
B．10%
C．0.2
D．0.25
正确答案：B
解析：答案为B项。本题计算的是证券组合的预期收益(expected return)，即该组合各种可能收益与相应概率的加权平均值(probabmty—weighted average)。其计算公式为：ER=∑PiRi，其中：ER表示预期收益，Pi表示各预期值发生的概率，Ri表示各种可能的收益，i表示各种可能收益水平的序号。故本题中的证券组合的收益率为：0.2×(一25％)+0．3×10％+0．5×24％=10％。 知识模块：金融英语业务知识
12． Use the following expectations on Stocks X and Y to answer questions 17
through 19 (round to the nearest percent).What are the expected returns for Stocks X
and Y respectively?______.
A．18% and 5%
B．18% and 12%
C．20% and 11%
D．20% and 10%
正确答案：D
解析：答案为D项。根据句意，股票X的预期收益率为：0．2×(一20％)+0．5×18％+0．3×50％=20％。股票Y的预期收益率为：0．2×(一l 5％)+0．5×20％+0．3×10％=10％。故本题选D项。 知识模块：金融英语业务知识
13． What are the standard deviations of returns on Stocks X and Y
respectively?______.
A．15% and 26%
B．20% and 4%
C．24% and 13%
D．28% and 8%
正确答案：C
金融英语业务知识练习试卷18(题后含答案及解析)
金融英语业务知识练习试卷18 (题后含答案及解析)
题型有： 2. 单项选择题
单项选择题
1． Which of the following would you classify as capital market
instruments?______.
A．Fixed-rate securities convertible into shares in a bank
B．Bank loans
C．Bank deposits
D．None of the above
正确答案：A
解析：答案为A项。银行存款与贷款属于问接融资方式，由银行充当媒介(bank intermediation)。本题中，只有A项表述的“可以转化为银行股份的固定利率证券”属于资本市场工具，故选A项。 知识模块：金融英语业务知识
2． Which of the following features is common to most capital market
instruments?______.
A．Their ownership gives a right to appoint directors to the board of the issuer.
B．They are used to finance short-term needs for the issuers.
C．They are sold directly to investors.
D．They entitle the purchaser to a fixed amount of income.
正确答案：C
解析：答案为C项。资本市场工具通常是由投资者在资本市场上直接购买。故本题选C项。 知识模块：金融英语业务知识
3． Which of the following statements is incorrect?______.
A．Debt instruments have a face value of the principal amount to be repaid at
金融英语业务知识练习试卷4(题后含答案及解析)
金融英语业务知识练习试卷4 (题后含答案及解析)
题型有：1.33 cakes
C．4 cakes
D．3 cakes
正确答案：B
解析：答案为B项。本句之意制作3件衬衣的机会成本为4个蛋糕，那么，制作l件衬衣的机会成本为4÷3=33，故选B项。 知识模块：金融英语业务知识
4． If the number of consumers in a market increases, which of the following is
most likely to occur?
A．Quantity demanded for the good will decrease
B．Demand for the good will increase
C．Demand for the good will decrease
D．The price will remain the same in the long run
正确答案：B
解析：答案为B项。消费者数量的增加会使需求随之增加，价格是否变化则需视需求与供给的共同作用情况而定。故本题选B项。 知识模块：金融英语业务知识
5． In perfect competition,______.
A．there are very few firms in the market
B．there is a homogeneous product
C．there are large barriers to entry
D．there is imperfect information between consumers and producer
正确答案：B
解析：答案为B项。完全竞争市场中的厂商都生产同质产品(homogeneous
product)，且厂商数量众多，消费者和厂商拥有完全信息，进入和退出自由。故本题选B项。 知识模块：金融英语业务知识
6． Microeconomics examines which of the following?______.
电大专科金融《英语I(1)》试题及答案1.doc
中央广播电视大学2010-2011学年度第二学期“开放专科”期末考试
英语工(1) 试题
注 意 事 项
一、将你的学号、姓名及分校（工作站）名称填写在答题纸的规定栏内。考试结束后，把试卷和答题纸放在桌上。试卷和答题纸均不得带出考场。监考人收完考卷和答题纸后才可离开考场。
一、仔细读懂题目的说明，并按题目要求答题。答案一定要写在答题纸的指定位置上，写在试卷上的答案无效。
三、用蓝、黑圆珠笔或钢笔答题，使用铅笔答题无效。
第一部分交际用语（共计10分，每小题2分）
1-5题：阅读下面的小对话，判断答语是否恰当，恰当的选A(Right)．不恰当的选B
( Wrong)．并将答案写在答题纸上。
1．- What do you do?
-1 work in insurance.
A．Right B．Wrong
2. - How about going to an estate agent?
- Yes, that's a good idea.
A．Right B．Wrong
3. - Excuse me, where is the nearest bank, please?
-It's not sure.
A．Right B．Wrong
4.- Are you free on Friday?
- No, I'm sorry.
A．Right B．Wrong
5.-What do you think of the invitations?
- That's a good idea.
A．Right B．Wrong
第二部分词汇与结构（共计40分，每小题2分）
6-25题：阅读下面的句子，从A.B.C三个选项中选出一个能填入空白处的最佳选项，并在答题纸上写出所选项的字母符号。
刘铁敏《金融专业英语》(第2版)-习题参考答案20
Answer
Chapter 1. Money
I. Questions for discussion (key point)
1. Money is any item or verifiable record that is generally accepted as payment
for goods and services and repayment of debts in a particular country or
socio-economic context.
2. Cowrie shells, Whales’ teeth, nickels, dimes，Jiaozi and so on.
3. BEIJING — China's consumer price index (CPI), a main gauge of inflation,
rose 2.9 percent year-on-year in 2019, within government target of 3 percent,
official data showed on Jan 9.The growth picked up from 2.8 percent in the
first 11 months, and was above the 2.1-percent annual increase in 2018,
according to the National Bureau of Statistics. In December, the CPI climbed
4.5 percent year-on-year, unchanged from that in November. The hike was
mainly driven by food prices, which soared 17.4 percent year-on-year last