中财金融硕士考研英语阅读理解试题(二)
中央财经大学金融硕士考研真题答案

20XX年中央财经大学金融硕士考研真题答案各位考研的同学们,大家好!我是才思的一名学员,现在已经顺利的考上中央财经大学,今天和大家分享一下这个专业的笔记,方便大家准备考研,希望给大家一定的帮助。
多项选择1.在银行以不同方式卖出外汇时汇率水平通常是()。
A.电汇汇率低于信汇汇率B.电汇汇率高于票汇汇率C.电汇汇率高于信汇汇率D.信汇汇率高于票汇汇率E.信汇汇率低于票汇汇率2.一项外币资产成为外汇应具备的条件是()。
A.自由兑换性B.高价值性C.普遍接受性D.可偿性E.稳定性3.法定平价是()下汇率决定的基础。
A.信用货币制度B.金币本位制C.金块本位制D.金汇兑本位制E.金银复本位制4.相对购买力平价认为()。
A.开放经济条件下不同国家可贸易商品遵循“一价定律”B.开放经济条件下不可能所有商品都遵循“一价定律”C.某一时点两国汇率取决于两国物价总水平之比D.汇率由一定时期两国通货膨胀率差异决定E.汇率决定的基础是两国货币购买力之比5.若其他条件不变,一国货币贬值的影响是()。
A.有利于增加进口B.有利于增加出口C.有利于抑制进口D.有利于抑制出口E.有利于降低国内物价水平6.以本币资产与外币资产之间具有完全替代性为假设条件分析汇率变动因素的理论是()。
A.相对购买力平价理论B.绝对购买力平价理论C.弹性价格货币分析法D.粘性价格货币分析法E.金融资产说7.本币贬值对一国资本流动的影响是()。
A.若市场预期贬值幅度不够,则引起资本流出B.若市场预期贬值幅度不够,则引起资本流入C.若市场预期贬值幅度合理,则引起资本流入D.若市场预期贬值幅度过大,则引起资本流出E.若市场预期贬值幅度过大,则引起资本流入8.通过本币贬值影响进出口需要具备的条件是()。
A.出口商品需求弹性高B.进口商品为非必需品C.进口商品为必需品D.国内总供给能力强E.国内具有闲置资源9.目前我国实行的银行结售汇制的内容是()。
A.无条件地售汇B.有条件地购汇C.无条件地购汇D.有条件地售汇E.以上都不对10.牙买加体系下的汇率制度具有以下性质()。
中央财经大学金融硕士真题资料与答案解析

中央财经大学金融硕士真题资料与答案解析凯程教育人大金融老师点评:今年人大金融专硕专业课偏难,延续了人大考研靠“专业课与英语”卡人的风格;题型出现较大变化,增加了名词解释这一题型;考察内容的风格依然是“细节热点计算”,符合凯程预期;凯程学员考研成绩预计将再创佳绩,真题附凯程日常授课关联点;凯程预计今年人大金融分数线特征为“专业课,公共课不挂”,即可进入复试。
金融学部分一单选政策性银行成立时间?年年年年(凯程模拟题库原题)资产组合理论提出者?(人大考研细节题,凯程上课必讲)人民币汇率升值,币值怎样变化?升值贬值无法确定?黄金自由铸造,自由流通,自由兑换的货币制度是?(经典考点,凯程暑期班第一讲重点知识)金块本位金币本位金条本位金汇兑本位中国通胀率高于美国通胀率,中国利率高于美国利率,根据购买力平价与利率平价,长期来看人民币是升值还是贬值?美国国债价格下降,利差变化?(凯程考前热点预测:退出对美国债市的影响)金本位下的汇率波动,信用货币的特点(人大题库题,期末考题也是,必讲),基础货币的定义(凯程预测卷核心知识考点)以银行为主导的国家有哪些,与汇率有关的理论和规则二名词解释:格雷欣法则(凯程国庆班精讲考点,还出了专门的测试题)商业银行净息差铸币税(经典考点,老师必讲,学生必会)贷款五级分类格拉斯斯蒂格尔法案凯恩斯流动性偏好理论(经典理论,肯定学生都会的)金融脱媒金融机制(经典题,老师必讲,学生必会)宏观审慎监管(凯程考前热点预测,也是今年经济热点第一重点)中央银行逆回购(央行货币工具之一,考试必讲,学员一定会)三用托宾值来阐述货币政策的传导机制(’)(传导机制是金融学必会内容,课上重点强调,学生练习了专门习题)比较分析种期限结构理论,并说明他们的区别(’)(期限结构理论,考察多次,模考日常测试多次,学员必会)四“利率逆反”现象:增长降低而贷款利率走高。
央行月出台的降息政策(包括降低存款利率和贷款利率并扩大利差倍数)()解释“利率逆反”现象的原因()”利率逆反”与我国利率市场化的关系()央行月降息政策的对利率市场化的影响和对宏观经济的影响公司理财部分五选择题(知识点)计算销售利润率,股利派发的计算,资产组合理论的提出者,购买力平价(讲了不下三次,学生不能不会),利率与通胀六判断题记得的知识点:(罗斯课后经典题目,学生必会)资产负债比,(罗斯课后经典题目,学生必会)企业价值乘数,夏普比率(凯程罗斯经典题目总结题,学生必会),增加负债对权益资本风险的影响。
经验分享-2016年中央财经大学金融硕士考研-英语复习 资料笔记 题型结构

好消息!好消息!中财金院金融硕士进入复试112人,录取92人,育明教育学员8人,进入复试6人,全部录取!未进入复试学员成功调剂东北财经金融专硕。
首先说下英语,(完型运气好6分,阅读+新题型+翻译33.5,大小作文共19分)作为英语渣,我四六级都没到过480,我觉得从小学到现在背单词对于我几乎没用,我相信很多人和我有同样遭遇,当你经常盯着一个单词边写边读时,其实是在走思,到头来还是不会做题(试想高中学语文,汉字全都懂但是阅读理解还是拿不了满分,想想你语文是背字典而学好的吗?)。
非常建议朱伟的恋练有词,讲课很实用很吸引人。
40个单元,每周完成5个单元就不错了,每天用一个小时左右复习一下昨天的单元内容,一定要坚持,当你完成10个单元会感觉有点质的飞跃,当你听完20个单元时,要开始做真题,近十年真题要做3遍,如果没有时间至少近五年要做3遍。
最后一年要留到考前一个月再做。
拒绝其他任何模拟题!96年到2003年的真题做做阅读和作文就好,这些真题难度最低,但也有不少经典的题目,如果没时间就只写写作文。
04到10年难度增加,10年以后很难,必须要钻研透彻(每个题型每个单词每个句子都要弄懂)!这里说下怎么做真题,每套题要严格按照考试时间来,下午2点到5点,去淘宝买下英语和政治的答题卡,然后去打印店用A3的纸复印,我每次大小作文模拟也是用答题纸,这样可以和考试做到最大可能的一致,否则和真正考试稍有一点不一样也会耽误你一会儿时间的。
以下是我的答题顺序,仅供参考:2点到2.15小作文,2.15-2.55前两篇阅读,2.55-3.35大作文,3.35-4.15后两篇阅读,4.15-4.35翻译,4.35-4.50新题型,最后十分完型,因为我英语很渣所以大作文用时间长,我说的时间都包括涂卡的时间!完型是用来调节时间的,没时间就直接涂在卡上!阅读理解的网课推荐唐迟老师和李剑,结合真题分析的很透彻。
李剑老师前几节课很好,后面就有些啰嗦了(我在淘宝买的李剑的专项阅读班才10块-_-||)基础不好的可以听完如果基础还可以只听前几节课就好了。
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)。
2018年中央财经大学金融硕士(MF)金融学综合真题试卷(题后含答案及解析)

2018年中央财经大学金融硕士(MF)金融学综合真题试卷(题后含答案及解析)题型有:1. 选择题 2. 不定项选择题 4. 名词解释 5. 计算题 6. 简答题7. 论述题单项选择题1.关于货币形式的阐述正确的是( )。
A.与实物货币相比,金属货币具有易于保存的优点B.金属货币的价值随着金银开采量的增减而频繁变动,因此被纸币所取代C.纸币和存款货币都是中央银行产生后创造的货币形式D.存款货币都是由商业银行业务派生出来的正确答案:A解析:与实物货币相比,金属货币易于保存,A选项正确;金属货币的价值相对于纸币价值还是稳定的,其被纸币取代,更多在于其供给量跟不上经济的发展,B选项错误;纸币是代替金属货币执行流通手段的由国家(或某些地区)发行的强制使用的价值符号,它在中央银行产生之前就出现了,如我国北宋出现的交子,C选项错误;存款货币包括原始货币和派生货币,并不是都由商业银行业务派生出来的,D选项错误。
2.关于目前的国际货币制度的阐述正确的是( )。
A.由于国际储备多元化,会产生“劣币驱逐良币”现象B.美元与黄金保持固定比价,因此产生了“特里芬难题”C.从汇率制度角度看,欧元区属于固定汇率制D.目前人民币汇率制度属于有管理的独立浮动汇率制正确答案:D解析:在国际储备货币多元的牙买加体系下,会产生货币替代现象,即所谓“良币替代劣币”,A选项错误:特里芬难题是指国际储备货币国在对外输出流动性和汇率稳定之间存在不可调和的矛盾,B选项错误:欧元区对外采用联合浮动汇率制度,C选项错误。
3.汇率变化对证券市场影响的说法正确的是( )。
A.本币升值,国际资金流出,股票价格上升B.本币升值,出口企业业绩下滑,引起股票价格下降C.本币贬值,使得本国企业的国际竞争力下降,引起股票价格下降D.本币贬值,吸引本国投资资金流入,引起证券价格上升正确答案:B解析:本币升值,会引起国际资金流入,A选项错误;本币贬值,国际资金外流,但有利于出口,C选项和D选项错误。
中财金融--2015年中央财经大学金融硕士考研真题及分析@才思

中财金融--2015年中央财经大学金融硕士考研真题及分析@才思各位考研的同学们,大家好!我是才思的一名学员,现在已经顺利的考上中央财经大学,今天和大家分享一下这个专业的真题,方便大家准备考研,希望给大家一定的帮助。
重点难点释疑如何把握我国金融机构体系的构成?我国的金融机构体系既包括祖国大陆的金融机构体系,还包括香港、澳门和台湾的金融机构体系。
经过 20多年的改革开放,中国大陆的金融机构体系已逐步发展成为多元化的金融机构体系,由中国人民银行、中国银行业监督管理委员会、中国证券监督管理委员会、中国保险监督管理委员作为最高金融管理机构,对各类金融机构实行分业监管。
各类金融机构主要包括:(1)银行业;中国大陆的金融机构体系以银行业为主体,目前银行业的金融机构主要有两个体系,一是商业银行体系,一是政策性银行体系,它们都受中国银行业监督管理委员会的监管;(2)证券业;目前证券业的金融机构主要有:)证券公司;证券交易所;基金管理公司;各种中介服务机构,如证券登记结算公司、证券评级机构、证券投资咨询机构、会计师事务所、律师事务所等;合格的境外机构投资者;(3)保险业。
香港是以国际金融资本为主体,以银行业为中心,外汇、黄金、证券、期货、共同基金和保险金融市场高度发达的多元化的国际金融中心。
主要特点是:(1)香港金融机构体系分为银行与非银行金融机构两种。
香港银行业实行三级管理制度,只有三类金融机构获准向公众吸收存款,这三类是持牌银行、持牌接受存款公司、注册接受存款公司。
香港银行业的同业组织是香港银行公会。
与一般自愿性同业组织不同,它是由香港政府立法成立的,所有持牌银行必须成为会员纳入银行业监管体系。
香港保险业经营的主要业务包括财产保险、人寿保险和出口信用保险。
香港政府保险业监理处为主要的监管机构。
香港股票交易所是亚洲较早成立的证券交易所之一,成立于1891年。
1969年-1972年又新建远东、金银和九龙交易所。
1986年港英政府将四家交易所合并为香港联合交易所。
中央财经大学金融硕士考研真题资料 (2)

中央财经大学金融硕士考研真题资料名词解释1.名义货币需求——名义货币需求是指社会各经济部门在一定时点所实际持有的货币单位的数量,通常以Md表示。
2.实际货币需求——实际货币需求,是指名义货币数量在扣除了物价变动因素之后那部分货币余额,它等于名义货币需求除以物价水平,即Md/P。
3.交易方程式——即 MV=PT,它认为,流通中的货币数量对物价具有决定性作用,而全社会一定时期一定物价水平下的总交易量与所需要的名义货币量之间也存在着一个比例关系1/V。
4.剑桥方程式——即M = KPY,这一理论认为货币需求是一种资产选择行为,它与人们的财富或名义收入之间保持一定的比率,并假设整个经济中的货币供求会自动趋于均衡。
5.交易动机——是凯恩斯提出的人们持有货币的三种动机之一,是指人们为了日常交易的方便,而在手头保留一部分货币,基于交易性动机而产生的货币需求就称之为货币的交易需求。
6.谨慎动机——是凯恩斯提出的人们持有货币的三种动机之一,又称预防动机,是指人们需要保留一部分货币以备未曾预料的支付。
凯恩斯认为,人们因谨慎动机而产生的货币需求,也与收入同方向变动。
因为人们拥有的货币越多,预防意外事件的能力就越强。
这类货币需求就称之为货币的预防需求。
7.投机动机——是凯恩斯提出的人们持有货币的三种动机之一,是指人们根据对市场利率变化的预测,需要持有货币以便满足从中投机获利的动机,由此产生的货币需求称为货币的投机需求。
8.平方根定律——鲍莫尔运用存货理论深入分析了由交易动机产生的货币需求同利率的关系。
认为货币的交易需求同样具有利率弹性,并用公式表明最适度的现金余额交易量和手续费的变化关系,这一公式为。
9.立方根定律——惠伦、米勒和奥尔等人认为谨慎动机产生的货币需求同样也是利率的递减函数。
并给出预防性货币需求的最佳值的公式它表明最佳预防性货币余额的变化与货币支出分布的方差()、转换现金的手续费(C)、持有货币的机会成本(r)呈立方根关系,假定一种净支出的正态分布确定后,其最佳预防性货币余额将随着收入和支出的平均额的立方根的变化而变化,而持币的机会成本取决于市场利率。
2017中财金融硕士考研英语阅读理解测试习题

2017中财金融硕士考研英语阅读理解测试习题2017中财金融硕士考研英语阅读理解测试习题Text1In order to “changelives for the better”and reduce “dependency”George Osborne, Chancellor of theExchequer, introduced the “upfront work search”scheme. Only if the joblessarrive at the jobcentre with a CV, register for online job search, and startlooking for work will they be eligible for benefit and then they should reportweekly rather than fortnightly. What could be more reasonable?Moreapparent reasonableness followed. There will now be a seven-day wait for thejobseeker’s allowance. “Those first few days should be spent looking for work,not looking to sign on.”he claimed. “We’re doing these things becausewe know they help people stay off benefits and help those on benefits get intowork faster.”Help? Really? On first hearing, this was the socially concernedchancellor, trying to change lives for the better, complete with “reforms”toan obviously indulgent system that demands too little effort from the newlyunemployed to find work, and subsidises laziness. What motivated him, we wereto understand, was his zeal for “fundamental fairness”—protecting thetaxpayer, controlling spending and ensuring that only the most deserving claimantsreceived their benefits.Losinga job is hurting: you don’t skip down to the jobcentre with a song in yourheart, delighted at the prospect of doubling your income from the generousstate. It is financially terrifying, psychologically embarrassing and you knowthat support is minimal and extraordinarily hard to get. You are now notwanted;you support is minimal and extraordinarily hard to get. You are now notwanted; you are now excluded from the work environment that offers purpose andstructure in your life. Worse, the crucial income to feed yourself and yourfamily and pay the bills has disappeared. Ask anyone newly unemployed what theywant and the answer is always: a job.But in Osborneland, your first instinct is to fall into dependency —permanent dependency if you can get it —supported by a state only too ready toindulge your falsehood. It is as though 20 years of ever-tougher reforms of thejob search and benefit administration system never happened. The principle ofBritish welfare is no longer that you can insure yourself against the risk ofunemployment and receive unconditional payments if the disaster happens. Eventhe very phrase “jobseeker’s allowance”—invented in 1996 —is aboutredefining the unemployed as a “jobseeker”who had no mandatory right to abenefit he or she has earned through making national insurance contributions.Instead, the claimant receives a time-limited “allowance,”conditional onactively seeking a job; no entitlement and no insurance, at £71.70 a week, oneof the least generous in the EU.1. George Osborne’s scheme was intended to[A]provide the unemployed with easieraccess to benefits.[B]encourage jobseekers’active engagementin job seeking.[C]motivate the unemployed to reportvoluntarily.[D]guarantee jobseekers’legitimate rightto benefits.2. The phrase, “to sign on”(Line 3, Para.2) most probably means[A]to check on the availability of jobs atthe jobcentre.[B]to accept the government’s restrictionson the allowance.[C]to register for an allowance from thegovernment.[D]to attend a governmental job-trainingprogram.3. What prompted the chancellor to develophis scheme?[A]A desire to secure a better life forall.[B]An eagerness to protect the unemployed.[C]An urge to be generous to the claimants.[D]A passion to ensure fairness fortaxpayers.4. According to Paragraph 3, beingunemployed makes one feel[A]uneasy[B]enraged.[C]insulted.[D]guilty.5. To which of the following would theauthor most probably agree?[A]The British welfare system indulgesjobseekers’laziness.[B]Osborne’s reforms will red uce the riskof unemployment.[C]The jobseekers’allowance has met theiractual needs.[D]Unemployment benefits should not be madeconditional.中财金融硕士考研联考逻辑辅导四字诀:信、练、时、技第一是“信”,要树立自信,正视专业背景很多考生向我咨询时提出,“老师,逻辑是什么啊?我大学是文科,从来没有接触过啊?”、“老师,我大学是理科,也有课程讲过逻辑,但是和考试内容没有任何关系啊?”事实上,大部分考生在大学里都没接触过逻辑或是没有接受过系统的逻辑训练,所以要正视专业背景,树立自信。
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中财金融硕士考研英语阅读理解试题(二)
Text 2
All around theworld, lawyers generate more hostility than the members of any otherprofession—with the possible exception of journalism. But there are few placeswhere clients have more grounds for complaint than America.
During the decade before the economic crisis, spending on legalservices in America grew twice as fast as inflation. The best lawyers madeskyscrapers-full of money, tempting ever more students to pile into lawschools. But most law graduates never get a big-firm job. Many of them insteadbecome the kind of nuisance-lawsuit filer that makes the tort system a costlynightmare.
There are manyreasons for this. One is the excessive costs of a legal education. There isjust one path for a lawyer in most American states: a four-year undergraduatedegree in some unrelated subject, then a three-year law degree at one of 200law schools authorized by the American Bar Association and an expensivepreparation for the bar exam. This leaves today’s average law-school graduatewith $100,000 of debt on top
of undergraduate debts. Law-school debt means thatmany cannot afford to go into government or non-profit work, and that they haveto work fearsomely hard. Reforming the system would help bothlawyers and their customers. Sensible ideas have been around for a long time,but the state-level bodies that govern the profession have been tooconservative to implement them. One idea is to allow people to study law as anundergraduate degree. Another is to let students sit for the bar after only twoyears of law school. If the bar exam is truly a stern enough test for awould-be lawyer, those who can sit it earlier should be allowed to
do so. Students who do not need the extratraining could cut their debt mountain by a third.
The other reasonwhy costs are so high is the restrictive guild-like ownership structure of thebusiness. Except in the District of Columbia, non-lawyers may not own any shareof a law firm. This keeps fees high and innovation slow. There is pressure
forchange from within the profession, but opponents of change among the regulatorsinsist that keeping outsiders out of a law firm isolates lawyers from thepressure to make money rather than serve clients ethically.
In fact,allowing non-lawyers to own shares in law firms would reduce costs and improveservices to customers, by encouraging law firms to use technology and to employprofessional managers to focus on improving firms’efficiency. After all, othercountries, such as Australia and Britain, have started liberalizing their legalprofessions. America should follow.
1.a lot of students take up law as theirprofession due to
[A]the growing demand from clients.
[B]the increasing pressure of inflation.
[C]the prospect of working in big firms.
[D]the attraction of financial rewards.
2.Which of the following adds to the costsof legal education in most American states?
[A]Higher tuition fees for undergraduatestudies.
[B]Admissions approval from the barassociation.
[C]Pursuing a bachelor’s degree in anothermajor.
[D]Receiving training by professionalassociations.
3.Hindrance to the reform of the legalsystem originates from
[A]lawyers’and clients’strong resistance.
[B]the rigid bodies governing theprofession.
[C]the stem exam for would-be lawyers.
[D]non-professionals’sharp criticism.
4.The guild-like ownership structure isconsidered “restrictive”partly because it
[A]bans outsiders’involvement in theprofession.
[B]keeps lawyers from holding law-firmshares.
[C]aggravates the ethical situation in thetrade.
[D]prevents lawyers from gaining dueprofits.
5.In this text, the author mainlydiscusses
[A]flawed ownership of America’s law firmsand its causes.
[B]the factors that help make a successfullawyer in America.
[C]a problem in America’s legal professionand solutions to it.
[D]the role of undergraduate studies inAmerica’s legal education.。