金融英语考试试题
国际金融英语试题及答案
国际金融英语试题及答案1. 以下哪个选项不是国际货币基金组织（IMF）的主要职能？A. 提供技术援助B. 监督成员国的经济政策C. 促进国际贸易D. 提供紧急财政援助答案：C2. 世界银行的主要目标是什么？A. 促进全球贸易B. 减少全球贫困C. 维护国际货币稳定D. 促进全球金融市场发展答案：B3. 什么是外汇储备？A. 一个国家持有的外国货币和黄金B. 一个国家持有的国内货币和黄金C. 一个国家持有的外国货币和证券D. 一个国家持有的国内货币和证券答案：A4. 根据国际收支平衡表，以下哪项交易不属于经常账户？A. 商品出口B. 服务进口C. 外国直接投资D. 工人汇款回国答案：C5. 什么是货币贬值？A. 一个国家的货币价值相对于其他国家货币的减少B. 一个国家的货币价值相对于黄金的减少C. 一个国家的货币价值相对于商品和服务的减少D. 一个国家的货币价值相对于外国投资的减少答案：A6. 什么是浮动汇率制度？A. 货币价值由市场供求关系决定B. 货币价值由政府固定C. 货币价值由国际货币基金组织决定D. 货币价值由中央银行决定答案：A7. 什么是国际金融市场？A. 跨国公司进行商品和服务交易的市场B. 跨国公司进行货币和金融资产交易的市场C. 跨国公司进行商品和金融资产交易的市场D. 跨国公司进行服务和金融资产交易的市场答案：B8. 什么是国际货币体系？A. 国际货币的发行和流通体系B. 国际货币的监管和管理体系C. 国际货币的交换和结算体系D. 国际货币的发行、监管和管理体系答案：D9. 什么是外汇交易？A. 一种货币兑换成另一种货币的交易B. 一种商品兑换成另一种商品的交易C. 一种服务兑换成另一种服务的交易D. 一种资产兑换成另一种资产的交易答案：A10. 什么是国际金融危机？A. 一个国家内部的金融体系崩溃B. 一个国家内部的货币体系崩溃C. 多个国家金融体系的崩溃D. 多个国家货币体系的崩溃答案：C。
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。
金融英语业务知识练习试卷13(题后含答案及解析)
金融英语业务知识练习试卷13(题后含答案及解析) 题型有： 2. 单项选择题单项选择题1．Under the Federal Reserve System,______.A．there is one Federal Reserve Bank, located in Washington, D.C.B．there is a Federal Reserve Bank in each stateC．there are twelve Federal Reserve banksD．there is a Federal Reserve Bank in each Congressional district正确答案：C解析：答案为C项。
按照1913年美国国会通过的联邦储备法，在全国划分12个储备区，每区设立一个联邦储备银行分行。
每家区域性储备银行都是一个法人机构，拥有自己的董事会。
因此，美国共有12家联邦储备银行。
故本题选C项。
知识模块：金融英语业务知识2．Federal Reserve banks do all of the following except______.A．hold member banks’ reserves on depositB．make loans to member banksC．issue bank notesD．serve as bankers to the federal governmentE．hold deposits of households正确答案：E解析：答案为E项。
美国联邦储备银行系统起中央银行作用，具有发行货币、代理国库、对私人银行进行管理监督和为美国政府制定和执行金融货币政策等职能。
联邦储备银行不吸收家庭存款。
故本题选E项。
知识模块：金融英语业务知识3．Monetary policy in the US is operated by the Federal Open Market Committee. Which entity is responsible for making day-to-day transactions on its behalf?______.A．The Federal Reserve BoardB．The chairman of the Federal Reserve banksC．The New York Federal Reserve bankD．The fiscal agent正确答案：C解析：答案为C项。
《金融英语》试卷(I卷)
常熟理工学院2012〜2013学年第二学期20XX 级后续课《金融英语》考查试卷（I 卷）试题总分：Part I Listening Comprehension©' 25=50')Section A Short ConversationsListe n carefully and choose the best an swer to the questi on after each conv ersatio n.1. Which of the following is NOT among the four major commercial banks of China?A. Ba nk of China.B. China Co nstruction Ba nk.C. I ndustrial and Commercial Ba nk of Chi na.D. The People's Bank of Chi na.2. Which of the following is NOT mentioned in the dialog?A. China Mercha nts Ban k.B. I ndustrial Ba nk Co., Ltd.C. China Citic Bank.D. Chi na Min she ng Banking Corp. Ltd. 3. What is the man accord ing to the dialog?A. A bank man ager.B. A clerk of a foreig n bank.C. A uni versity stude nt.D. A teacher from a college.4. Which of the followi ng has the right to decide the preside nt of BOC?A. The shareholders.B. The shareholders' meet ing.C. The Board of Directors.D. The Preside nt Office.5. A. The man lost his checkbooks.B. The man lost his passport.C. The man lost his password.D. The man lost his passbook. 6. A. Hous ing loa n.B. Foreig n curre ncy loa n.C. Dollar loa n.D. Credit loa n. 7. A. Jan uary 24. B. February 31. C. Jan uary 25. D. February 26.8. A. Payme nt by dema nd drafts. B. Payme nt by collectio n.C. Payme nt by letters of credit.D. Payme nt by remitta nee. 9. A. To avoid problems aris ing from in flatio n.B. To preve nt possible fraud.C. To avoid problems aris ing from fluctuati ons of excha nge rate.D. To preve nt overdraw ing. 10. A. In spect ion certificate. B. Certificate of origi n. C. In sura nee policy. D. Bill of ladi ng.Section B Long ConversationListe n to the conv ersati on carefully and choose the best an swer to each of the questio ns below.11. Which of the following statements was mentioned in the magazine The Banker?A. BOC ranked the 9th amo ng the world's top 1,000 banks in 2007.B. BOC is one of the four big commercial banks of China.C. The developme nt of BOC is un believable.D. The top man ageme nt of BOC is young and effective. 12. What are the main sect ions un der the top man ageme nt of BOC?A. Corporate banking sect ion and retail banking sect ion.B. Security sect ion and supervisory sect ion.C. Operati onal sect ion and supervisory sect ion.D. Audit ing sect ion and in spect ion secti on. 13. Which do you think is NOT the duty of the supervisory section?A. Audit ing the ban k's acco un ts.B. Han dli ng gen eral affairs.C. Being resp on sible for the security of the ban k..D. Oversee ing the banking operati on. 14. What is the bus in ess scope of the operati onal secti on?A. Banking bus in ess.B. Gen eral bus in ess.C. Support ing bus in ess.D. All items men ti oned above.15. Which of the followi ng is NOT men ti oned among the bus in esses offered by BOC?A. Retail banking.B. Docume ntary letter of credit.C. On li ne banking or e-ba nking.D. Finan cial advisory service. Section C PassagesDirecti ons: In this sect ion, you will hear three short passages. At the end of each passage, you will hear some questi ons. 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. The n mark the corresp onding letter on the ANSWER SHEET with a si ngle line through the cen ter.Passage One16. A. 1992 B. 1993 C. 1994 D. 199517. A. The People's Bank of China. B. China Foreig n Excha nge Tradi ng Cen ter.C. I nter-ba nk Foreig n Excha nge Market.D. The State Admi nistratio n of Foreig n Excha nge.18. A. 1%0.3% C. 0.5% Passage Two19. A. High risk. B. A type of credit product. 20. A. Collateral loan. B. Educati on loa n.21. A.1952 B.1958 D. 0.4% C. High in terest. D . A ki nd of revolvi ng loa n C. Mortgage loa n. D . Commercial loa n. C.1962 D . 1968C. Public con fide nce in the in surers rema ined low.D. A rise in Tokyo stock helped improve the bala nce sheets of life in surers.Part II. Reading Comprehension (30 ')Section A (1 '*10=10 ')Directions: Each of the following sentences is provided with four choices. Choose the one that best completes the sentence.26. Although the compa ny showed a profit, the bala nce sheet looks in creas in gly .A. brightB. dimC. shallowD. fragile 27. _ money refers to curre ncy issued on the basis of ban k's credit in stead of gold reserve. A. Fair B. Fiduciary C. FixedD. Deposit 28. In creased flows of world capital inten sify finan cial competiti on among n ati ons. This trend places pressures on n ati onal gover nment to their domestic markets and liberalize intern ati onal capital moveme nts.A. removeB. settleC. deregulateD. con trol 29. Many finan cial tran sacti ons are _ sheet items such as in terest rate swaps and are not clearly ide ntified through the usual report ingcha nn els.A. zeroB. capitalC. off-bala nceD. major30. The ban kers _ the steel compa ny's new shares, which means the share issue will be sold to the ban kers in stead of the public directly. A. un derwrite B. un dercharge C. un dertakeD. un derestimate 31. With no in terest rate _ on deposits or restrict ions on maturities, banks can offer any deposit product customers dema nd. A. cutB. ceili ngsC. dema ndD. con tract 32. From ban k's perspective, liabilities have become more in terest elastic, so that small rate cha nges can produce large fluctuati ons in bala nces.A. outsta ndingB. outreach ingC. rema iningD. dema nding33. Checks are attractive because they are readily accepted and provide formal _______________ of payment. A. credit B. verificati onC. clarityD. collectio n 34. Normally, ____ capital loans are secured by accounts receivable or by pledges of inventory and carry a floating interest rate on theamounts actually borrowed aga inst the approved credit line.A. curre ntB. stockC. work ingD. Ion g-term35. Dealers in gover nment and private securities n eed short-term financing to purchase new securities and carry their exist ing portfolios ofsecurities un til those securities are sold to customers or reach ________ .A. bus in essB. marketsC. maturityD. objectiveSection B (2*10=20 * Directi ons: Read the passages and choose the right an swer for each questio n.Passage 1Text ?36. How many types of banks or banking in stitutio ns are men ti oned in the lecture?A. 5.B. 4.C. 52.D. 183.37. Which of the follow ing is NOT a join t-equity commercial bank? A. China Min she ng Ba nki ng Corp. Ltd. B. Bank of East Asia.C. China Citic Bank.D. Bank of Commun icati ons.38. How many bran ches and sub-bra nches have foreig n banks set up in China accord ing to the speaker?A. 264.B. 177.C. 183.D. 235. 39. Which of the follow ing was once ran ked amon gst the top three stron gest banks in Chin a's mainland?A. Chi na In dustrial Ba nk.B. Ba nk of East Asia.C. China Mercha nts Ba nk.D. Sha nghai Pudo ng Developme nt Ban k.40. Which of the following is a wholly foreign-owned bank?A. Chi na Min she ng Ba nki ng Corp., Ltd.B. Chi na Citic Bank.C. Hong Kong & Shan ghai Banking Corporati on Limited.D. China Export & Import Bank.Passage 2Liabilities are "outsider claims ” , whiche economic obligations, debts payable to outsiders. These outside parties are called creditors.Financial statement users such as creditors are interested in the due dates of an entity's liabilities. The sooner a liability must be paid, the more curre nt it is. Liabilities that must be paid on the earliest future date create the greatest stra in on cash. Therefore, the bala nce sheet lists liabilities in the order in which they are due. Knowing how many of a bus in ess's liabilities are curre nt and how many are Ion g-term helps creditors assess the likelihood of collecting from the entity. Balance sheets usually have at least two liability classifications: current liabilities and Iong-term liabilities.Current liabilities are debts that are due to be paid with in one year or with the en tity's operati ng cycle. Notes payable due with in one year, salary 22. A. It is a ki nd of short-term loa n.C. It is supposed to pay back at one time.Passage Three23. A. A rise in Tokyo stock.B. It is also called bridge loa n. D. Its maturity exceeds five years.C. Negative spread.24. A. Rise. B. Fall. 25. A. The value of outsta nding policies went dow n. B. Japa n's life in sura nee firms. D. Japa nese life in surers' difficult situati on.C. Rema in un cha nged.D. Not sure. B. Life in surers' n egative spreads ten ded to grow small.payable, unearned reve nue, and in terest payable owed on no tes payable are curre nt liabilities.Long-term liabilities are those liabilities other than current ones.41. The liabilities are classified as current or Iong-term liabilities according to _ .A. the liquidity of the liabilityB. the future date when the liability must be paidC. the operati ng cycleD. one year42. Liabilities are __ .A. money borrowed from banksB. money received from creditorsC. "outsider claims ” which are economic obligations, debts payable to outsidersD. notes receivable43. Which of the followi ng is current liability?A. cashB. inventoryC. salary payableD. money from the bank44. Which of the following is Iong-term liability?A. debt payable due with 10 yearsB. inven toryC. unearned revenueD. note payable due withi n 6 mon ths45. For a note payable to be paid in in stallme nts with in 5 years, which of the follow ing stateme nts is correct?A. The first installment due within one year is a current liability.B. The first installment due within one year is a Iong-term liability.C. All the in stallme nts due are Ion g-term liabilities.D. All the in stallme nts due are curre nt liabilities.Part ill. Translation (2‘ *=10')Part IV. Writing (10 ')Directions: You are asked to write a report on Bank of China with 120 words to make the brief introduction of BOC s orga ni zati ons and developme nt.。
新编金融英语教程试题答案
新编金融英语教程试题答案一、选择题1. The concept of "leverage" in finance refers to:A. The use of borrowed funds to increase potential returnsB. The process of fixing a broken financial systemC. The ability to move a company to a new locationD. The practice of buying and selling goods in different markets答案：A2. Which of the following is NOT a primary function of the Federal Reserve System in the United States?A. To regulate the nation's monetary policyB. To supervise and regulate banksC. To enforce international trade lawsD. To maintain financial stability答案：C3. A "bear market" is characterized by:A. Rising stock prices and strong investor confidenceB. Falling stock prices and weak investor confidenceC. A market with a surplus of bears (the animal)D. A market where only bear-related products are traded答案：B4. The term "forex" is short for:A. Foreign exchangesB. Forest exchangeC. Forming excellent relationshipsD. Financial expert report答案：A5. Which of the following is a type of financial derivative?A. StockB. BondC. FutureD. Report答案：C二、填空题1. The __________ (一种金融衍生工具) is a contract that gives the buyer the right, but not the obligation, to buy an underlying asset at a predetermined price within a certain period.答案：option2. The __________ is the process by which a company raises capital by issuing new securities to the public for the first time.答案：initial public offering (IPO)3. __________ is the practice of analyzing financial data to make investment decisions.答案：fundamental analysis4. A __________ is a financial instrument that derives its value from a good or an index, such as shares of stock in a company.答案：future5. __________ is the term used to describe the risk that a party to a financial contract may default on their payment obligation.答案：credit risk三、简答题1. Explain the difference between a traditional bank and a shadow bank.答：传统银行是指持有银行牌照、受金融监管机构监管的金融机构，它们提供存款、贷款和其他金融服务。
金融英语试题及答案
金融英语试题及答案一、选择题（每题2分，共20分）1. Which of the following is not a type of financial instrument?A. StockB. BondC. DerivativeD. Commodity2. The term "leverage" in finance refers to:A. The use of borrowed funds to increase the potential return of an investment.B. The amount of money invested in a project.C. The process of buying and selling securities.D. The risk associated with a particular investment.3. What does the acronym "IPO" stand for?A. International Public OfferingB. Initial Public OfferingC. Internal Private OfferingD. International Private Offering4. The primary market is where:A. Securities are issued for the first time to the public.B. Securities are traded after they have been issued.C. Companies buy back their own securities.D. Investors sell their securities to other investors.5. A bear market is characterized by:A. A prolonged period of falling prices.B. A period of economic growth.C. A period of high inflation.D. A period of low unemployment.6. The term "risk management" in finance involves:A. Predicting future market trends.B. Identifying potential risks and taking steps tomitigate them.C. Maximizing returns on investments.D. Managing the day-to-day operations of a financial institution.7. A "blue chip" stock refers to:A. A stock that is considered to be of high quality and carries a lower risk.B. A stock that is traded on a blue-colored chip.C. A stock that is considered to be very risky.D. A stock that is traded on a major stock exchange.8. The process of "short selling" involves:A. Borrowing securities and selling them in the hope of buying them back at a lower price.B. Selling securities that the investor does not own.C. Buying securities with the expectation that their price will increase.D. Holding securities for a long period of time.9. What is the role of a "broker" in finance?A. To provide financial advice to clients.B. To facilitate the buying and selling of securities between investors.C. To manage a company's financial transactions.D. To underwrite securities for companies.10. The "efficient market hypothesis" suggests that:A. Stock prices fully reflect all available information.B. It is possible to consistently beat the market by picking individual stocks.C. Investors are irrational and make poor decisions.D. The market is always undervalued.二、填空题（每题1分，共10分）11. The _______ is the process by which a company raisescapital by issuing shares to the public for the first time. 12. A _______ is a financial contract that obligates thebuyer to purchase an asset or the seller to sell an asset ata predetermined future date and price.13. The _______ is the market where existing securities are bought and sold.14. The _______ is a measure of the risk of an investment compared to the return it is expected to generate.15. When the stock market is experiencing a significant and sustained increase in prices, it is known as a _______ market.16. A _______ is a financial institution that acceptsdeposits and provides various types of loans to customers. 17. The _______ is a measure of the ability of a company to pay its current debts with its current assets.18. A _______ is a financial statement that shows a company's financial performance over a period of time.19. The _______ is a type of investment strategy that focuseson long-term growth potential.20. An _______ is a financial instrument that derives its value from an underlying asset.三、简答题（每题5分，共30分）21. Explain the difference between a "mutual fund" and a "hedge fund".22. Describe the concept of "diversification" in investment.23. What is "inflation" and how does it affect the value of money?24. Discuss the role of "central banks" in the economy.四、论述题（每题20分，共20分）25. Discuss the impact of globalization on the financial markets and provide examples to support your argument.五、案例分析题（每题20分，共20分）26. Analyze a recent financial crisis and discuss the factors that contributed to it, the impact it had on the global economy, and the lessons that can be learned from it.答案：一、选择题1-5 D A B A A6-10 B A A B A二、填空题11. Initial Public Offering (IPO)。
金融英语业务知识练习试卷45(题后含答案及解析)
金融英语业务知识练习试卷45(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 is a determinant of asset demand?______.A．Expected returnB．RiskC．LiquidityD．All of the above正确答案：D解析：答案为D项。
资产需求的决定因素(determinant of asset demand)包括预期收益、风险、流动性和财富(wealth)。
故本题选D项。
知识模块：金融英语业务知识2．Which of the following items are reported as a current liability on the balance sheet?______.A．Short-term notes payableB．Accrued payroll taxesC．Estimated warrantiesD．All of the above正确答案：D解析：答案为D项。
短期应付票据、应计未付工资税金和预估(产品)担保均是流动负债。
故本题选D项。
知识模块：金融英语业务知识3．Which of the following is not true of fiscal policy?______.A．Time lags occur with fiscal policy.B．Automatic stabilizers help the economy.C．Crowding out is not a problem of fiscal policy.D．None of the above.正确答案：C解析：答案为C项。
time lag“时滞”。
财政政策有时滞；自动稳定器有利于经济；挤出效应存在于财政政策中。
本题中C项的说法错误，故选C项。
知识模块：金融英语业务知识4．What distinguishes the mortgage markets from other capital markets?______.A．Securities in the mortgage markets are collateralized by real estate.B．The mortgage markets usually involve long-term funds.C．Borrowers in the mortgage markets include individuals and businesses.D．All of the above.正确答案：A解析：答案为A项。
金融英语业务知识练习试卷6(题后含答案及解析)
金融英语业务知识练习试卷6(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 is not a function of money?______.A．To act as a medium of exchangeB．To act as a unit of accountC．To act as a store of valueD．To act as a means of paymentE．To provide a double coincidence of wants正确答案：E解析：答案为E项。
货币有四种主要职能，即流通手段(medium of exchange)、价值尺度(unit of account)、贮藏手段(store of value)和支付手段(means of payment)。
其中价值尺度和流通手段是货币的基本职能也是最先出现的职能。
本题中只有E项不是货币的职能，故选E项。
知识模块：金融英语业务知识2．What function is money serving when you buy a ticket to a movie?______.A．store of valueB．a unit of accountC．transaction demandD．a medium of exchange正确答案：D解析：答案为D项。
本题之意货币主要行使了流通手段的职能，故选D项。
知识模块：金融英语业务知识3．Which of the following statements is not true of central banks?______.A．They pay the government’s salariesB．They are always the lender of last resortC．They always undertake the regulation of the banking systemD．None of the above正确答案：C解析：答案为C项。
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金融英语考试试题
金融英语考试试题
金融英语考试是衡量金融从业人员英语水平的重要指标之一。
这种考试旨在测试考生在金融领域的专业英语知识和技能。
下面将介绍一些常见的金融英语考试试题，以帮助考生更好地准备考试。
一、阅读理解
阅读理解是金融英语考试中常见的题型之一。
考生需要阅读一篇关于金融领域的文章，并回答相关问题。
以下是一个例子：
文章：The Role of Central Banks in the Economy
Central banks play a crucial role in the economy by controlling the money supply and interest rates. They are responsible for maintaining price stability and promoting economic growth. Central banks achieve this through various monetary policy tools, such as open market operations and reserve requirements.
Question: What is the role of central banks in the economy?
答案：The role of central banks in the economy is to control the money supply and interest rates, maintain price stability, and promote economic growth.
二、词汇选择
词汇选择题是考察考生对金融领域词汇的理解和应用能力。
以下是一个例子：Question: The process of converting an asset into cash is called _______.
a) liquidity
b) inflation
c) diversification
d) leverage
答案：a) liquidity
三、填空题
填空题是考察考生对金融英语词汇和术语的掌握程度。
以下是一个例子：Question: The _______ is the rate at which banks lend money to each other overnight.
答案：overnight rate
四、翻译题
翻译题是考察考生对金融英语的翻译能力。
以下是一个例子：
Question: Translate the following sentence into English: "这家公司的盈利能力在过去几年中持续增长。
"
答案：The profitability of this company has been steadily increasing in the past few years.
五、写作题
写作题是考察考生对金融英语的应用能力。
考生需要根据所给的题目或问题，写一篇关于金融领域的文章或报告。
以下是一个例子：
Question: Write a report on the impact of interest rate changes on the housing market.
答案：(根据题目要求，自行撰写一篇关于利率变动对房地产市场的影响的报告) 金融英语考试试题的种类多样，涵盖了金融领域的各个方面。
考生在备考过程中应注重积累金融英语词汇和术语，提高阅读理解和写作能力。
通过不断练习
和模拟考试，考生可以更好地应对金融英语考试，提升自己的英语水平。