金融英语考试题型

金融英语考试题型
金融英语考试题型

考试题型

I.Choose the best answer to complete the passages below.(two passages) (每小题1分,

共1分×10题=10分)

II.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 "Not mentioned".(3 passages)(每小题1分,共1分×10题=10分)

III.There are 3 passages in this section. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A, B, C, and D.

You should make the best choice. (每小题2分,共2分×15题=30分)(3 passages)IV.Match the terms with their definitions. (每小题1分,共10分)V.Translation. (40分)

Section A. Put the following terms into Chinese. (每小题2分,共10分)

Section B. Put the following terms into English. (每小题2分,共10分)

Section C. Put the underlined parts into Chinese.(每小题10分,共20分)

参考术语、释义及短文

1. a rental property

2.APR (annual percentage

rate)

3.ATM

4.Bank Cards

5.Branch Banking

6.collateral

https://www.360docs.net/doc/9a15393609.html,mercial Banks

8.Corporate banking

9.cover (v.)

10.Credit Cards

11.Currency exchange

12.current accounts

13.current deposit

14.Debit Cards

15.deflation

16.deposit

17.depreciate (v.) 18.down payment

19.fixed accounts

20.foreclosure

21.foreign exchange

22.inflation

23.Installment

24.Insurance policy

25.Insurer

26.interest rate

27.Internet Banking

28.investment

29.Joint-equity commercial

banks

30.loans

31.mature (v.)

32.Mobile Banking

33.Mortgage loan

34.Opening an account

35.Overdraft

36.Personal banking

37.Personal Banking

38.PIN(personal

identification number )

39.Policy Banks

40.Portfolio

41.principal

42.repayment

43.real estate

44.savings account

45.secured loans

46.Stock Market

47.Telephone Banking

48.The Central Bank

49.unsecured loans

50.withdraw (v.)

1.money or property which is used as a guarantee that someone will repay a loan.

2.foreign currency that is obtained through the foreign exchange system.

3. a bank card that you can use to pay for things. When you use it the money is taken out of

your bank account immediately.

4. a contract (generally a standard form contract) between the insurer and the insured, known as

the policyholder, which determines the claims which the insurer is legally required to pay.

5.banking that requires banking institutions to carry out business transactions and dealings

directly with their customers and the consumers of their products, rather than directly with other banks or corporations.

6. a sum of money which is in a bank account or savings account, especially a sum which will

be left there for some time.

7.the combination of investments that a particular person or company owns.

8. a specific legal process in which a lender attempts to recover the balance of a loan from a

borrower who has stopped making payments to the lender by forcing the sale of the asset used as the collateral for the loan.

9.the original amount of the loan, on which you pay interest.

10. a thing that is borrowed, especially a sum of money that is expected to be paid back with

interest

11. a general increase in the prices of goods and services in a country.

12.to take out money from a bank

13.(of a loan, security, etc)to reach the end of its term and be due for payment

14.to lose in value

15.to protect by insurance

Passage 1

There are two main kinds of loans - secured and unsecured loans. The key difference between the two types of loans is that with secured loans you are required to provide security or collateral against the amount you are borrowing whereas an unsecured loan does not. But the difference does not end there. Each type of loan entails different repayment terms and interest rates and depending on your circumstances one or the other may be a better choice for you.

Secured loans entail the borrower providing some form of security to the lender, like a home or car. If you cannot repay the loan this may mean the loss the home or car as the lender seeks to recover the amount they lent you and the interest on the loan. Secured loans usually give you the option of higher borrowing limits and lower interest rates and are generally easier to obtain. The amount you can borrow will be partly determined by the value of the asset you are borrowing against. Secured loans are sometimes called Homeowner loans.

Unsecured loans do not require any form of collateral so you will not lose your house or car if you cannot keep up with payments. The lender will make a decision to give you a loan based on your income and your credit history. Common types of unsecured loans include Personal loans, student loans and payday loans. Unsecured loans typically carry a higher interest rate than secured loans.

担保贷款要求借款人提供某种形式的抵押品给贷款人,如房子或车辆。无法偿还贷款可能意味着你将失去抵押的房子或车辆,因为贷款人会力图弥补所贷款项和利息。担保贷款通常可以给你较高的借款额度和较低的利息,而且一般比较容易获得。借款金额一定程度上由借款所购买的资产的价值所决定。

金融专业英语单词

金融专业英语单词内部编号:(YUUT-TBBY-MMUT-URRUY-UOOY-DBUYI-0128)

金融专业英语词汇大全 a flat percentage rate of income 统一比率的所得税税率 a long position 多头部位,利多形势 a long positio 多头寸;买进的期货合同 a put option on a debt security 债务证券的卖出期权 a sales slip 签购单据,售货清单 a short position 空头部位,短缺头寸 a short position 空头;卖出的期货合同 a tax return 税务申报表 abnormal depreciation 特别折旧abnormal spoilage 非 正常损坏 aboriginal cost 原始成本 acceptance bank 票 据承兑行 acceptance method 承兑方式 acceptance risks 承兑风险 accepting bank 承兑银行 accessory risks 附加保险,附加险 accident insurance 意外保险(不包括海 上,火灾和人寿险) accommodation of funds 资金融通 accompany vt. 附 带,伴随,陪同 account charges 账户费用 account current (A/C,a/c) 往来帐 户 account number (A/N) 帐号 account statement 帐户清单 accounting exposure 会计风险 accounting risks 会计风险 accounting value 帐面价值 accounts of assured 保险帐户 accrued bond interest 应计债券利息 accrued depreciation 应计折旧 accrued dividend 应计股利

金融英语词汇

常见银行英文词汇 储蓄 银行及金融机构 会计 经济政策 金融债券 FORFAITING 储蓄(save) account number帐目编号depositor存户 pay-in slip存款单 a deposit form存款单 a banding machine自动存取机to deposit存款 deposit receipt存款收据private deposits私人存款certificate of deposit存单deposit book,passbook存折credit card信用卡 principal本金 overdraft,overdraw透支 to counter sign双签 to endorse背书 endorser背书人 to cash兑现 to honor a cheque兑付 to dishonor a cheque拒付 to suspend payment止付cheque,check支票 cheque book支票本 order cheque记名支票 bearer cheque不记名支票crossed cheque横线支票 blank cheque空白支票 rubber cheque空头支票cheque stub,counterfoil票根cash cheque现金支票 traveler's cheque旅行支票cheque for transfer转帐支票outstanding cheque未付支票canceled cheque已付支票

forged cheque伪支票 Bandar's note庄票,银票 银行及金融机构(Banks and financial organizations) banker银行家 president行长 savings bank储蓄银行 Chase Bank大通银行 National City Bank of New York花旗银行 Hongkong Shanghai Banking Corporation汇丰银行 Chartered Bank of India,Australia and China麦加利银行 Banque de I'IndoChine东方汇理银行 central bank,national bank,banker's bank中央银行 bank of issue,bank of circulation发行币银行 commercial bank商业银行,储蓄信贷银行 member bank,credit bank储蓄信贷银行 discount bank贴现银行 exchange bank汇兑银行 requesting bank委托开证银行 issuing bank,opening bank开证银行 advising bank,notifying bank通知银行 negotiation bank议付银行 confirming bank保兑银行 paying bank付款银行 associate banker of collection代收银行 consigned banker of collection委托银行 clearing bank清算银行 local bank本地银行 domestic bank国内银行 overseas bank国外银行 unincorporated bank钱庄 branch bank银行分行 trustee savings bank信托储蓄银行 trust company信托公司 financial trust金融信托公司 unit trust信托投资公司 trust institution银行的信托部 credit department银行的信用部 commercial credit company(discount company)商业信贷公司(贴现公司)neighborhood savings bank,bank of deposit街道储蓄所 credit union合作银行 credit bureau商业兴信所

复试金融专业英语(传世版)

专业英语汇总 1. How to define the aggregate price level? 如何衡量价格指数? Three measures of the aggregate price level are commonly encountered in economic data. (1)The first is the GDP deflator(GDP平减指数), which is defined as nominal GDP divided by real GDP. (2)Another popular measure of the aggregate price level is the Producer Price Index (生产者价格指数) which is a measure of the cost of a basket of goods and services bought by firms. (3) The measure of the aggregate price level that is most frequently reported in the press is the Consumer Price Index (消费者价格指数), which is measured by pricing a basket of goods and services bought by a typical urban household. 2. What’s the disadvantage and advantage of holding equity rather than debt? 持有股权的优劣? (1)The main disadvantage of ow ning a corporation’s equities rather than its debt is that an equity holder is a residual claimant (剩余求偿权), that is, the corporation must pay all its debt holders before it pays its equity holders . (2)The main advantage of holding equities is that equity holders benefit directly from any increases in the corporation’s profitability or asset value because equities confer ownership rights on the equity holders. Debt holders do not share in this benefit, because their payments are fixed.

金融专业英语及翻译

Opposite指“位置、方向、地位、性质、意义等对立的、相反的”, 如: 如: “True” and “ false ” have opposite meanings. “真”与“假”有着相反的意思。 Contrary指“两物朝相反的方向发展”, 含有“互相冲突, 不一致”的意思, 如: Your plan is contrary to mine. 你的计划与我的相反。 Inverse 颠倒的;倒数的 Evil is the inverse of good. Reverse 反过来,翻转 He reversed the car. 他倒车. 教育类 素质教育 education for all-round development 应试教育 the examination-oriented education 义务教育 compulsory education 片面追求升学率 place undue emphasis on the proportion of students' entering school of a higher level 高分低能 good scores but low qualities 扩招 expand enrollment 教书育人 impart knowledge and educate people 因材施教 teach students according to their aptitude 提高身心素质 improve the health and psychological quality 大学生创业 the university students' innovative undertaking 社会实践 social practice 文凭 diplomas and certificates 复合型人才 interdisciplinary talents 文化底蕴 the rich cultural deposits 适应社会的改变 adjust to the social changes 满足社会的急需 meet the urgent needs the society 工作类 人才流动和双向选择 talent flow and a dual-way selection 试用期 probationary period 跳槽 job-hopping 自由职业 freelance work 拜金主义 money worship 获得名利 achieve fame and wealth 充分发挥个人的潜力 develop fully one's potential and creativity 工作出色 excel in one's work 社会和个人的尊重 social and personal esteem 生计问题 a bread and butter issue 人才交流 talents exchange 培养人才 cultivate talents 人才外流 brain drain 失业问题 unemployment problems 下岗职工 the laid-off workers 自谋生路 be self-employed 劳动力短缺 shortage of manpower 医药卫生类 卫生环境 sanitary environment 营养不良 malnutrition

金融英语词汇表

unit one division of labor 劳动分工 commodity money 商品货币 legal tender 法定货币 fiat money 法定通货 a medium of exchange交换媒介 legal sanction法律制裁 face value面值 liquid assets流动资产 illiquidl assets非流动资产 the liquidity scale 流动性指标 real estate 不动产 checking accounts,demand deposit,checkable deposit 活期存款time deposit 定期存款 negotiable order of withdrawal accounts 大额可转让提款单money market mutual funds 货币市场互助基金 repurchase agreements 回购协议 certificate of deposits存单 bond 债券 stock股票 travelers'checks 旅行支票 small-denomination time deposits小额定期存款 large-denomination time deposits大额定期存款 bank overnight repurchase agreements 银行隔夜回购协议 bank long-term repurchase agreements 银行长期回购协议 thrift institutions 存款机构 financial institution 金融机构 commercial banks商业银行 a means of payment 支付手段 a store of value储藏手段 a standard of value价值标准 unit two reserve 储备 note 票据 discount贴现 circulate流通 central bank 中央银行 the Federal Reserve System联邦储备系统 credit union 信用合作社 paper currency 纸币 credit creation 信用创造 branch banking 银行分行制 unit banking 单一银行制

(完整版)金融专业专业课和英文面试复试真题

1.什么是欧洲货币市场,欧洲货币市场的信用创造与其他货币市场的信用创造有什么不同. 欧洲货币市场的特点是什么? 2.什么是国家主权债务危机,(希腊啊),你认为造成欧洲主权债务危机的原因是什么? 3.英语:股权和债券的区别---英语难在怎么用英语的专业词汇表述,多看后面的英语专业目 录. 4.如何治理高房价和汇率的问题. 5.英语:本科的专业和所报专业有什么关系 6.汇率对本国物价的影响 7.身边的金融产品 8.资本自由化对发展中国家的影响 9.英语:中央银行的功能 10.利率的抛补平价和利率风险 11.英语:为什么考研,专业是什么(跟老师自我介绍时,无关痛痒的不要说,有关专业的多说点. 面试40%,笔试50%,本科成绩10%;复试60%,但是复试差别不大,最主要的还是初试) 12.英语:商业银行的职能 13.高油价高房价 14.显著性检验—计量经济学 15.清迈协定 16.市场的有效性,外汇市场的有效性如何 17.英语:有没有在网上购物,网上购物的优点和缺点(还没说缺点呢就让她出来了) 18.期权价格的影响因素,衍生金融工具 19.图书馆占座 20.英语:如果给1万美元,你会怎么去用 21.货币乘数和存款乘数,给一个图形,让你看是正相关关系还是负相关关系(复试,货币银行 和金融市场比较多) 22.通货膨胀的原因和开放基金的流动风险 23.拟合优度 24.肯德基麦当劳开店的相似性 25.英语:本科专业跟金融的相关性 26.固定汇率制度下的国际收支的自动调节机制 27.衍生工具的特征和功能 28.英语:通货膨胀的主要原因 29.单位根检验 30.中国存款类金融机构和非存款类金融机构的问题和发展格局 31.留存盈余成本和外部权益成本的区别与联系 32.英语:the function of the central bank 33.汇率决定理论的发展 34.给了一个表格,工资跟学历是不是有关----计量 35.英语:where do you come from? local housing price 36.英语:本科是数学吗?学这个专业的优势和弱势(国际金融的时政的考得挺多的)(专硕复试 笔试:15道单选,15道判断,没有多选了,计算,名词解释,简答,论述由2道变为1道了 37.货币乘数的影响因素 38.国际收支的调节政策 39.英语:on-line shopping

金融英语习题

1. Usually the low interest rate currency trades at a ______ to the high interest rate currency in the forward market. A. premium B. par C. discount D. bar 2. 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 bond in their legal standing and method of operation D. They are unlike a tender bond with its fixed expiry date 3. The most liquid of all assets is ______. A. the stock of commercial banks B. M 1 C. intelligence D. the debt of major corporations 4. Beta and standard deviation differ as risk measures in that beta measures ______. A. only unsystematic risk,while standard deviation measures total risk B. only systematic risk,while standard deviation measures total risk C. both systematic and unsystematic risk,while standard deviation measures only unsystematic risk D. both systematic and unsystematic risk,while standard deviation measures only systematic risk 5. What information would you find in a statement of cash flows that you would not be able to get from the other two primary financial statements?______. A. Cash provided by or used in financing activities B. Cash balance at the end of the period C. Total liabilities due to creditors at the end of the period D. Net income 6. An analyst estimates that a stock has the following probabilities of return depending on the state of the economy: State of economyProbabilityReturn Good 0.1 15% Normal 0.6 13% Poor 0.3 7%The expected return of the stock is ______. A. 7.8% B. 11.4% C. 11.7% D. 13.0% 7. According to the rules of debit and credit for balance sheet accounts ______. A. increases in asset,liability,and owner’s equity accounts are recorded by debits B. decreases in asset and liability accounts are recorded by credits C. increases in asset and owner’s equity accounts are recorded by debits D. decreases in liability and owner’s equity accounts are recorded by debits 8. 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 9. When a country’s currency appreciates,the country’s goods abroad become ______ and foreign goods in that country become ______. A. cheaper... more expensive B. more expensive... cheaper C. cheaper...cheaper D. more expensive... more expensive 10. A US company is bidding for a contract in China. Its Chinese customer asks for a

常用金融英语词汇大全必备单词

常用金融英语词汇大全必备单词 在英语的学习中,词汇量的积累无疑是很重要的,有关金融方面的英语单词你知道多少呢,下面是学习啦小编整理的一些常用金融英语词汇,希望对大家有帮助。 常用金融英语词汇:H 合理预期 rational expectation 核心资本 core capital 合资企业 joint-venture enterprises 红利 dividend 宏观经济运营良好 sound macroeconomic performance 宏观经济基本状况 macroeconomic fundamentals 宏观调控 macroeconomic management(or adjustment) 宏观调控目标 macroeconomic objectives(or targets) 坏账 bad debt 还本付息 debt service 换汇成本 unit export cost;local currency cost of export earnings 汇兑在途 funds in float 汇兑支出 advance payment of remittance by the beneficiary's bank 汇率并轨 unification of exchange rates 活期存款 demand deposits 汇率失调 exchange rate misalignment 混合所有制 diversified(mixed)ownership 货币政策态势 monetary policy stance 货款拖欠 overdue obligations to suppliers 常用金融英语词汇:J 基本建设投资 investment in infrastructure 基本经济要素 economic fundamentals 基本适度 broadly appropriate 基准利率 benchmark interest rate

金融学专业考研复试专业英语题目

1. How to define the aggregate price level? 如何衡量价格指数? Three measures of the aggregate price level are commonly encountered in economic data. (1)The first is the GDP deflator (GDP平减指数), which is defined as nominal GDP divided by real GDP. (2)Another popular measure of the aggregate price level is the Producer Price Index (生产者价格指数) which is a measure of the cost of a basket of goods and services bought by firms. (3) The measure of the aggregate price level that is most frequently reported in the press is the Consumer Price Index (消费者价格指数), which is measured by pricing a basket of goods and services bought by a typical urban household. 2. What’s the disadvantage and advantage of holding equity rather than debt? 持有股权的优劣? (1)The main disadvantage of owning a corporation’s equities rather than its debt is that an equity holder is a residual claimant (剩余求偿权), that is, the corporation must pay all its debt holders before it pays its equity holders . (2)The main advantage of holding equities is that equity holders benefit directly from any increases in the corporation’s profitability or asset value because equities confer ownership rights on the equity holders. Debt holders do not share in this benefit, because their payments are fixed. 3. What’s the difference between primary and secondary market? 一级市场与二级市场的区别? (1)A primary market is a financial market in which new issues of a security, such as a bond or a stock, are sold to initial buyers by the corporation or government agency borrowing the funds. (2)A secondary market is a financial market in which securities that have been previously issued can be resold. 4. What’s the difference between foreign bond and Eurobond? 外国债券和欧洲债券的区别? (1)Foreign bonds are sold in a foreign country and are denominated in that country’s currency. For example, a bond issued by a Chinese company denominated in U.S. dollars sold in New York.

金融英语证书考试试题

金融英语证书考试(FECT)Exercises-1(1) 1.Which of the following is not a function of money?______。? A.To act as a medium of exchange B.To act as a unit of account C.To act as a store of value D.To provide a double coincidence of wants E.To act as a means of payment 2.The price in the foreign exchange market is called ______。 A.the trade surplus B.the exchange rate C.the money price D.the currency rate 3.Market risk refers to the risk of______。 A.financial prices fluctuations B.default C.fraud D.deferred payments 4.Which of the following is not among the generally accepted accounting principles?______。 A.Cash basis B.Prudence C.Consistency D.Going concern

E.Money measurement。 5.What is a documentary letter of credit?______。 A.A conditional bank undertaking to pay an exporter on production of stipulated documentation B.A method of lending against documentary security C.An international trade settlement system biased in favour of importers D.All of the above 6.Holding a group of assets reduces risk as long as the assets ______。 A.are perfectly correlated B.are completely independent C.do not have precisely the same pattern of returns D.have a correlation coefficient greater than one 7.An amount,payable in money goods,or service,owed by a business to a creditor,is known as a/an 。 A.liability B.debt C.equity D.asset 8.What function is money serving when you buy a ticket to a movie?______。 A.store of value

金融专业英语

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