金融英语复习题 (2)
词汇 Capital adequacy ratio 资本充足率 资本充足率是指
资本总额与加权风险资产总额的比例。资本充足率反映商业银
行在存款人和债权人的资产遭到损失之前，该银行能以自有资本承担损失的程度。规定该项指标的目的在于抑制风险资产的过度膨胀，保护存款人和其他债权人的利益、保证银行等金融机构正常运营和发展。各国金融管理当局一般都有对商业银行资本充足率的管制，目的是监测银行抵御风险的能力 信用违约互换(credit default swap，CDS)是国外债券市场中
最常见的信用产品。在信用违约互换交易中，其中希望规避信用风险的一方称为信用保护购买方，而另一方即愿意承担信用风险，向风险规避方提供信用保护的一方称为信用保护出售方，违约互换购买者将定期向违约互换出售者支付一定费用(称为信用违约互换点差)，而一旦出现信用类事件(主要指债券主体无法偿付)，违约互换购买者将有权利将债券以面值递送给违约互换出售者，从而有效规避信用风险。由于
信用违约互换产品定义简单、容易实现标准化，交易简洁，自90年代以来，该金融产品在国外发达金融市场得到了迅速发展。
Credit default swapsMoral hazard道德风险 道德风险并不
等同于道德败坏。道德风险是80年代西方经济学家提出的一个经济哲学范畴的概念，即“从事经济活动的人在最大限度地增进自身效用的同时做出不利于他人的行动。” 或者说是：当签约一方不完全承担风险后果时所采取的自身效用最大化的自私行为。道德风险亦称道德危机 Securities underwriting 证券承销，是证券经营机构代理证券发行人发行证券的行为。它是证券经营机构最基础的业务活动之一。 Bought deal 先买式交易（包销） 指证券承销商对发行人发行的股票、债券或其他有价证券全部或部分买入，再销售给其他投资者的行为 Money multiplier 货币乘数 是指在基础货币(高能货币)基础上货币供给量通过商业银行的创造存款货币功能产生派生存款的作用产生的信用扩张倍数，是货币供给扩张的倍数。 Asset securitization资产证券化 是指经过投资银行把某公司的一定资产作为担保而进行的证券发行，是一种与传统债券筹资十分不同的新型融资方式。进行资产转化的公司称为资
产证券发起人。发起人将持有的各种流动性较差的金融资产，如住房抵押贷款、信用卡应收款等，分类整理为一批资产组合，出售给特定的交易组织，即金融资产的买方（主要是投资银行），再由特定的交易组织以买下的金融资产为担保发行资产支持证券，用于收回购买资金。这一系列过程就称为资产证券化。 Risk premium风险溢价，是一个人在面对不同风险的高低、且清楚高风险高报酬、低风险低报酬的情况下，会如何因个人对风险的承受度影响其是否要冒风险获得较高的报酬，或是只接受已经确定的收入，放弃冒风险可能得到的较高报酬。 确定的收入与较高的报酬之间的差，即为风险溢价。 Contingent claim 衍生工具， 金融市场最重要的发展就是期货、期权及相关衍生工具市场的成长。这些衍生工具为我们提供了取决于其他各类资产价值的支付手段,这些资产价值有商品价格、债权与股票的价格或市场指数值。由于这一原因,这些工具有时被称为衍生资产 (derivative assets)或或有债权(contingent claims) Sinking fund 偿债基金，为确保债券能干到期日有足够的资金以偿还债权人的本金，发行公司于债券未到期前预先按期提存的基金。 Seigniorage 铸币税 由货币发行主体垄断性地享受“通货币面价值超出生产成本”的收益 Swap transaction 掉期交易 指在买入或卖出即期外汇的同时，卖出或买进同一货币的远期外汇，以防止汇率风险的一种外汇交易。 Stock warrant 认股权证 授予持有人的一项权利，在到期日前(也可能有其它附加条款)以行使价购买公司发行的新股(或者是库藏的股票)。 Capital structure 资本结构 指长期负债与权益(普通股、特别股、保留盈余)的分配情况，或者企业各种资本的价值构成及其比例。（债务和权益资本的关系） Loan commitment 贷款承诺 银行承诺在一定时期内或者某一时间按照约定条件提供贷款给借款人的协议，属于银行的表外业务，是一种承诺在未来某时刻进行的直接信贷。 Forward transaction 远期交易 即将在未来约定日期开始的交易。 Market maker 做市商 持有某些股票或债券或其他金融产品的存货，并以此承诺维持这些股票和债券或金融产品的双向买卖交易的维持双向买卖交易的商家就是做市商。 Franchising 特许经营权 是指有权利当局授予个人或法人实体的一项特权。 Frictional unemployment 摩擦性失业 人们在不同的地区、职业或生命周期的不同阶段，不停地变动工作而引起的失业 Endorsement 背书 在票据或单证的背面签名。表示该票据或单证的权利，由背书者转让给被背书者。 判断改错 1 .The price of the convertible bonds normally is higher than the price of comparable nonconvertible bonds. 2. T-Bills are normally issued at a discount from par. 3. The term "monetary policy" refers to what the central bank does to influence the money supply in the economy. 4. The distribution of a firm’s capital between debt and equity is its capital structure. 5. The existence of a financial market is an important but not necessary condition for the creation and exchange of a financial asset. 6. The inducement for firms to acquire funds depends on the required return of borrowed money. 7. The term "monetary policy" refers to what the central bank does to influence the money supply in the economy. 8. One of goals of monetary policy is that keep stable balance of payments. 9. The banking industry exists primarily to provide short-term loans and to accept short-term deposits with a efficiency advantage. 10. M1 consists of currency and traveler’s checks plus checking deposits owned by individuals and businesses 11. Preferred stock is an equity claim that entitles the investor to receive a fixed dollar amount. 12 A private placement bond is a non-underwritten, unregistered corporate bond sold directly to a single investor or a small group of investors. 13. Non-option contingent claims also involve fees for the bank but not necessarily impose a contingent liability on the bank. 14. Commercial banks usually have the right to determine whether or not to honor a loan commitment. 15 A credit instrument is a written or printed paper by means of which funds are transferred from one person to another. 16. Compensating balance requirements are deposit balances that the borrower must keep with the bank during the period of their commitment relationship.
翻译 1. One of goals of monetary policy is that keep stable balance of payments. 货币政策的目标之一是维持国际收支平衡 2. Restrictive covenants include rules and restrictions on managers designed to protect the bondholders’ interests. 契约包括管理条约和限制性条款,旨在保护债券持有人的利益. 3. The primary reason that individuals and firms choose to borrow long-term is to reduce the risk that interest rates will rise before they pay off their debt. 个人与企业选择举借长期债务的主要原因是为了降低债务
金融英语模拟试题及答案
金融英语模拟试题及答案Reading Comprehension: (10 points)Joseph Glass, CFA, is a consultant who provides advisory services to large manufacturing companies. Glass has been retained by ABCO, a leading manufacturer of widgets for automobiles in the United States. ABCO has hired Glass to evaluate the possibility of e*panding their current base of operations by building an additional facility in South America. Management of ABCO has identified an increase in demand for widgets in South America over the past decade, and any new manufacturing facility would produce goods to satisfy that void and would be distributed and sold across South America.Glass is not familiar with the current economic climate in South America, but is aware that several governments have attempted to encourage economic development in their countries through the enactment of pro-business legislation. Two of these countries, Venezuela and Peru, both have the reputations of being “friendly” to foreign economic investment withintheir borders. The two countries share some similarities: both, until the past twenty years, were primarily agricultural economies with little industrial development. Also, both countries can offer a relatively low-cost labor force, although their workers in general, are not highly skilled.The government of Peru has declared that protecting the country’s environment is of utmost importance, and has established a regulatory body that oversees any environmental concerns that may arise as the country becomes more industrialized. Fairly stringent regulations have already been put into place in order to ensure that going forward, the operating practices of manufacturers within their country’s borders will be in balance with the government’s concern for their county’s natural resources. Regulations cover areas of concern such as air emissions, water conservation and the use of sustainable resources. Glass advised ABCO that a cost-benefit analysis must be performed to accurately determine both the direct and indirect costs of compliance with the regulations.The Venezuelan government has taken steps to ensurethat it can carefully manage the development of its country’s emerging economy, and to ensure that a competitive market is maintained. A regulatory agency was established five years ago to provide guidance for any new manufacturing concern seeking to operate in Venezuela. The head of the agency is Juan Santos, the former CEO of one of the first modernized manufacturing facilities in the country. During his tenure as head of the agency, he has demonstrated his ability to render decisions that attempt to simultaneously satisfy legislators, industry participants, and consumers. Glass is impressed by Santos’ work so far, but realizes that over the past five years, Venezuela has e*perienced a period of relatively slow economic development. Glass believes that Santos’ skills will truly be put to the test in the upcoming years of the anticipated economic e*pansion.Glass acknowledges the need for governmental regulation of industry, but recognizes that there always are offsetting costs, both short-term and long-term of such controls. Based upon his knowledge of events that have occurred in the United States over thepast thirty years, Glass recommends that ABCO continue to carefully monitor economic developments in both countries even after a site for a new manufacturing facility is selected.Part 1)Should ABCO build a new facility in either of the two countries, it is almost a certainty that they would be the low-cost producer of widgets, with the capacity to satisfy nearly all demand in the region. A natural monopolist operating in an unregulated industry will produce at the point where:A. Marginal costs equal marginal revenue.B. Average costs equal marginal revenue.C. Average costs equal average revenue.D. The marginal cost curve intersects the demand schedule.Part 2)The social regulation policies enacted by the government of Peru would least likely to cause which of the following outcomes? ()A. Higher costs of production.B. A disproportionately higher compliance e*pensefor larger firms rather than smaller firms.C. Higher prices for the end consumer.D. Attempts by industry participants to avoid compliance through creative response.Part 3)If ABCO were to build its new facility in Peru, compliance with the country’s regulatory policies will increase the price of their product by appro*imately ten percent. Some consumers may respond by not replacing the widgets in their automobiles as frequently as before, which will cause decreased fuel efficiency. This unintended effect of regulation is an e*ample of: ()A. The capture hypothesis.B. A creative response.C. A feedback effect.D. The share-the-gains, share-the-pains theory.Part 4)The appointment of Santos, an industry “insider”, to head the regulatory agency in Venezuela has the potential to cause a reaction predicted by which of the following theories of regulatory behavior? ()A. Rate-of-return regulation.B. Share-the-gains, share-the-pains theory.C. The capture hypothesis.D. Cost-of-service regulation.Part 5)Santos, as the head of the main regulatory body in Venezuela, must decide how to manage the effects of an unanticipated sharp increase in the cost of electricity. Santos proposed regulation that will allow manufacturers to pass on the increased costs at scheduled intervals over a five year period. This approach is an e*ample of: ()A. Rate of return regulation.B. Cost-of-service regulation.C. Share-the-gains, share-the-pains theory.D. Social regulation.E*planations of terms：(10 points)1. Liquidity2. Cost-push inflation3. Surveillance4. E*ternal debt5. Foreign reserveQuestion3: How many factors to e*plain the reserveholdings?Question4: What is The Monetary Policy Instruments of the Central Bank?Question5: What is Concept of Trust Market？And what the composition of it is?Question6: What is the Money Laundering?。
国际金融英文版第十五版复习资料
前言学弟学妹们,当你们看到这篇复习资料的时候, 学长已经在文档上传的当天上午参加了国际金融的考试, 本复习资料主要针对对象为成都信息工程学院(CUIT)英语系大三学生, 且立足教材也基于托马斯·A ·普格尔(Thomas A. Pugel)先生所著国际金融英文版·第15版, 其他版本或者相似教材也可作为参考, 本资料的整理除了参考维基百科,百度百科以及MBA 智库百科,当然最重要的是我们老师的课件. 为了帮助同学们顺利通过考试, 当然是拿到高分, 希望此资料能够帮助你们节省时间, 达到高效复习的效果.外国语学院2011级,陈爵歌(Louis) 2014年1月6日晚于宿舍 Chapter 2Transnationality Index (跨国化指数)(TNI ) is a means of ranking multinational corporations that is employed by economists and politicians. (反映跨国公司海外经营活动的经济强度，是衡量海外业务在公司整体业务中地位的重要指标) Foreign assets to total assets(外国资产占总资产比)Foreign sales to total sales(海外销售占总销售)Foreign employees to total employees(外籍雇员占总雇员)跨国化指数的构成联合国跨国公司与投资司使用的跨国化指数由三个指标构成：国外资产对公司总资产的百分比；国外销售对公司总销售的百分比；国外雇员人数对公司雇员总人数的百分比关于TNI 的计算公式:International Economic Integration( 国际经济一体化)International economic integration refers to the extent and strength of real -sector and financial -sector linkages among national economies.(国际经济一体化是指两个或两个以上的国家在现有生产力发展水平和国际分工的基础上，由政府间通过协商缔结条约，让渡一定的国家主权，建立两国或多国的经济联盟，从而使经济达到某种程度的结合以提高其在国际经济中的地位)Real Sector(实际经济部门): The sector of the economy engaged in the production and sale of goods and services(指物质的、精神的产品和服务的生产、流通等经济活动。
金融英语试题
金融英语试题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 provide a double coincidence of wantsE.To act as a means of payment2.The price in the foreign exchange market is called ______。
A.the trade surplusB.the exchange rateC.the money priceD.the currency rate3.Market risk refers to the risk of______。
A.financial prices fluctuationsB.defaultC.fraudD.deferred payments4.Which of the following is not among the generally accepted accounting principles？______。
A.Cash basisB.PrudenceC.ConsistencyD.Going concernE.Money measurement。
5.What is a documentary letter of credit？ ______。
A.A conditional bank undertaking to pay an exporter on production of stipulated documentationB.A method of lending against documentary securityC.An international trade settlement system biased in favour of importersD.All of the above6.Holding a group of assets reduces risk as long as the assets ______。
金融英语期末试题及答案
金融英语期末试题及答案一、选择题1. What is the time value of money?A. The concept of money having different values at different times.B. The concept of money having the same value at all times.C. The concept of money having no value over time.D. The concept of money having a fixed value regardless of time.答案：A2. Which of the following is a type of risk in finance?A. Exchange rate riskB. Market riskC. Interest rate riskD. All of the above答案：D3. What is the purpose of diversification in investment?A. To concentrate investments in a single assetB. To reduce the overall risk of a portfolioC. To increase the potential return of a portfolioD. To eliminate all risk from a portfolio答案：B4. What is the function of a stock exchange?A. To regulate the trading of stocks and other securitiesB. To provide loans to individuals and businessesC. To monitor interest rates in the economyD. To facilitate international trade transactions答案：A5. What is the role of a financial analyst?A. To analyze economic trends and make investment recommendationsB. To issue and sell financial products to customersC. To manage the day-to-day operations of a financial institutionD. To set monetary policies for an economy答案：A二、填空题1. The process of buying and selling securities on the stock market is known as _________.答案：trading2. A document that outlines the terms and conditions of a loan is called a _________.答案：loan agreement3. The risk that an investment will lose value due to changes in the overall market is known as _________ risk.答案：market4. The interest rate at which banks lend money to each other overnight is called the _________ rate.答案：overnight5. The process by which a company raises capital by selling shares to the public is known as _________.答案：initial public offering (IPO)三、简答题1. Explain the difference between stocks and bonds.答案：Stocks represent ownership in a company and give investors the right to share in the company's profits and voting rights. Bonds, on the other hand, are debt securities issued by companies or governments to raise capital. Bondholders lend money to the issuer in exchange for periodic interest payments and the return of the principal amount at maturity.2. What factors can affect currency exchange rates?答案：Currency exchange rates can be influenced by factors such as interest rates, inflation, political stability, economic performance, and market speculation. Changes in these factors can cause the value of a currency to fluctuate relative to other currencies.3. What is the difference between a mutual fund and an exchange-traded fund (ETF)?答案：A mutual fund is a pooled investment vehicle that collects money from multiple investors to invest in a diversified portfolio of securities. Investors in mutual funds buy shares directly from the fund at the net asset value (NAV) price. An ETF, on the other hand, is a type of investment fund that is traded on a stock exchange like a common stock. ETFs can be bought and sold throughout the trading day at market prices, and their prices may deviate slightly from the underlying asset value.四、解释题1. Explain the concept of compound interest.答案：Compound interest is the interest that is earned on both the initial principal amount and any accumulated interest from previous periods. In other words, it is interest on interest. As interest is added to the principal, the total amount grows over time, and subsequently, the amount of interest earned in each period also increases. This compounding effect allows investments to grow at an accelerated rate compared to simple interest, where interest is only calculated on the initial principal.2. What is diversification in investment and why is it important?答案：Diversification refers to the practice of spreading investments across different assets, industries, or geographical regions to reduce risk. By diversifying a portfolio, an investor can decrease the impact of any single investment's performance on the overall portfolio. Different investments may have different risk levels and may react differently to economic or market conditions. Therefore, if one investment performs poorly, other investments in the portfolio may provide a buffer against potential losses. Diversification can help to achieve a more balanced risk-return profile and enhance the potential for long-term investment success.五、翻译题Translate the following sentence into English:中国货币政策的调整对全球金融市场有重要影响。
《金融英语》习题答案unit1-10
“高职高专商务英语专业规划教材”Unit 1 Financial Market Research练习参考答案I.Read through the text and answer the following questions.1.A financial market is a mechanism that allows people to easily buy andsell (trade) financial securities (such as stocks and bonds), commodities (such as precious metals or agricultural goods), and other fungible items of value at low transaction costs and at prices that reflect the efficient-market hypothesis.2.The raising of capital ;the transfer of risk and international trade3.Capital markets,commodity markets,money markets, derivative markets,insurance markets and foreign exchange markets .4.Financial markets fit in the relationship between lenders andborrowers.5.Individuals, companies, governments, municipalities and publiccorporations.II. Paraphrase the following expressions or abbreviations and translate them into ChineseCheck the answers from the Special Term Lists.III. Fill in the blanks with the proper wordsThe global financial crisis, brewing for a while, really started to show its effects in the middle of 2007 and into 2008. Around the world stock markets have fallen, large financial institutions have collapsed or been bought out, and governments in even the wealthiest nations have had to come up with rescue packages to bail out their financial systems.On the one hand many people are concerned that those responsible for the financial problems are the ones being bailed out, while on the other hand, a global financial meltdown will affect the livelihoods of almost everyone in an increasingly inter-connected world. The problem could have been avoided, if ideologues supporting the current economics models weren’t so vocal, influential and inconsiderate of others’ viewpoints and concerns.IV.Translation.1.金融市场包括很多方面，包括资本市场，华尔街，甚至是市场本身。
金融英语考试辅导练习题
金融英语考试辅导练习题金融英语考试辅导练习题好学则老而不衰，可免好得之患。
以下是店铺为大家搜索整理的金融英语考试辅导练习题，希望能给大家带来帮助!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".Interest on Lawyers’ Trust Accounts IOLTAs, are offered to lawyers and firms to comply with the handling of funds being held in trust on behalf of clients. Interest earned on these accounts will be paid to the Texas Equal Access to Justice Foundation.1. Accounts may be opened without a minimum deposit.2. Interest will be calculated based on the average daily balance for the month. No minimum balance is required for this account to earn interest for the month. Interest will be credited to the account on the first of each month before being withdrawn and remitted to the Texas Equal Access to Justice Foundation.3. A maximum of $10.00 handling/service charge per account will be deducted from the accumulation of all interest paid on this type of account.4. All other terms, conditions and fees apply according to the Membership and Account Agreement, Truth-In-Savings Rate and Fee Schedule and Funds Availability Policy Disclosure.51. IOLTAs must be opened with a minimum deposit.A. RightB.WrongC.Doesn’t say52. No minimum balance is required for this account to earn interest for the month.A. RightB. WrongC. Doesn’t say53. Interest on Lawyers’ Trust Accounts, are offered to lawyers and firms tocomply with the handing of funds being held in trust on behalf of clients.A. RightB. WrongC. Doesn’t say54. IOLTAs’ main clients are accounters.A. RightB. WrongC. Doesn’t say。
金融英语复习
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• 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 • capital stock股本 at par以票面价值计 electronic banking电子银行 banking holding company 公司银行 the gold standard金本位 the Federal Reserve （Board） 联邦储备委员会 the stock market crash 股市风暴 reserve ratio 准备金比率 deficit 亏损，赤字 default不履约，违约 broker经纪人
• • • • • • • • • • • •
economic recession 经济衰退 economic depression 经济萧条 economic crisis 经济危机 economic recovery 经济复苏 inflation 通货膨胀 deflation 通货收缩 devaluation 货币贬值 revaluation 货币增值 international balance of payment 国际收支平衡 favourable balance 顺差 adverse balance 逆差 hard currency 硬通货 Asian Infrastructure Investment Bank 亚洲基础设施投资银行， 简称亚投行， AIIB
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• premium升水 discount贴水 par平价 future期货 capital movements资本流动 foreign exchange dealings外汇交易 balance of payment国际收支平衡 spot rate 即期汇率 forward rate远期汇率 cross rate交叉汇率 decimal system十进制 invoice发票，发货单 letter of credit 信用证 • signature 签字 • banking hours, business hours 营业时间
完整word版金融英语复习word文档良心出品
1*10 单选2*5 判断）中英互译8*5（中译英3，英译中2 5*6 名词解释小作文10*1+论据（5到6句话）结论单项选择比考点港币hongkongHKDGermany 德国马克（Deutsche Mark）DEM瑞士法郎SWITZERLAND 瑞士CHFsweden 瑞典瑞典克朗SEK Belgium 比利时比利时法郎BEF 加拿大元Canada CAD美元USDGREAT BRITAIN 英镑GBPItaly 意大利里拉ITLholland 荷兰盾NLG挪威克郎norway NOK 丹麦克朗denmark DKKfrance 法国法郎FRF日元JPY澳元Aud西班牙ESP0.01% one hundredth of one percent 基点名词解释Central bank:and government by the central to formulate a financial institution designated implement monetary policy and to supervise and regulate the financial industry中央政府指定的金融机构，负责制定和实施货币政策，监督和规范金融行业。
)活期储蓄存款：Savings（current）deposit(Savings deposit is a method of deposit that sets no limit on length of maturity,timeand amount of deposit and withdrawn.储蓄存款是一种对存款期限、期限和存款额不设限制的存款方式。
Time deposit (定期存款):It is a kind of deposit with a definite length of maturity ,deposited and, withdrawn together with the interest in a lump sum or by installment它是一种具有一定期限的存款物，存放和提取，连同对一次或分期付款的利息。
金融英语考试辅导试题
金融英语考试辅导试题金融英语考试辅导试题金融英语主要涉及金融方面的的知识并结合英语学习，有银行，证券，金融方面的内容以下是店铺为大家搜索整理的金融英语考试辅导试题，希望能给大家带来帮助!Directions: There are 10 blanks in the following passages. For each blanks there are four choices marked A, B, C, D. You should choose the best answer.When the exporter is well acquainted with ___1___ of the buyer and entertains ____2___ doubt about his solvency, or when the exporter sells goods to his own overseas branch or subsidiary, he may be prepared to ship his goods ___3___ open account. Under this device, the exporter sends his documents to the buyer who remits in due course or at agreed intervals the agreed price either by T/T or by M/T through a bank. The exporter makes ______ date for payments of the goods shipped. Instead, he is prepared to rely on his past experience of the buyer’s integrity to effect settlement at the proper time.As there may be a period of waiting in between the dispatch of goods and payment, it may become necessary to render financial aid to ___5___ the buyer ___6___ the exporter. Here banks often grant export finance in a variety of forms of which the following are the principal ones:The exporter’s bank may make an advance to him ____7___ his shipping documents with or without a bill of exchange during the course of collection abroad. The advance would be for ___8___ the value of the bill or documents both of which serve as collateral, and interest at ___9___ would be charged on the amount of the advance until the proceeds are ____50___.1.A. the positionB. the situationC. the statusD. the financial status2.A. noB. inC. withD. on3.A. inB. onC. toD. for4.A. preciseB. exactC. definiteD. no precise5.A. bothB. neitherC. eitherD. whether6.A. andB. norC. orD. or not7.A. againstB. onC. forD. to8.A. any percentage ofB. an fixed percentage ofC. an agreed percentage ofD. a determinable percentage of9.A. affixed rateB. a determinable rateC. any rateD. an agreed rate10.A. paidB. prepaidC. collectedD. received下载全文。
金融英语考试试题及答案
金融英语考试试题及答案金融英语是金融领域中不可或缺的一部分，对于从事金融行业的人士来说，掌握金融英语的知识非常重要。
为了帮助大家更好地备考金融英语考试，本文将为大家提供一些常见的金融英语考试试题及答案。
一、选择题1. What is the meaning of IPO?a) Initial Public Offeringb) International Purchase Orderc) Investment Portfolio Optimizationd) International Partnership Organization答案：a) Initial Public Offering2. What does the term "capital market" refer to?a) The market for physical capitalb) The market for financial assets with a maturity of less than a yearc) The market for financial assets with a maturity of more than a yeard) The market for real estate properties答案：c) The market for financial assets with a maturity of more than a year3. Which of the following is an example of a derivative?a) Stockb) Bondc) Optiond) Certificate of Deposit答案：c) Option4. What is the opposite of a deficit?a) Surplusb) Debtc) Liabilityd) Equity答案：a) Surplus5. What is the term for a loan that is secured by collateral?a) Unsecured loanb) Subordinated loanc) Secured loand) Revolving loan答案：c) Secured loan二、填空题1. The study of how individuals and institutions make financial decisions and how these decisions affect the allocation of resources is known as__________.答案：finance2. When a company issues shares for the first time and offers them to the public, it is called an ____________.答案：IPO (Initial Public Offering)3. The interest rate that a commercial bank charges its most creditworthy customers is known as the _________.答案：prime rate4. A financial instrument that represents ownership in a corporation is called a ___________.答案：stock5. The basic economic problem of having seemingly unlimited human wants in a world of limited resources is known as ________.答案：scarcity三、解答题1. Explain the concept of time value of money.答案：The time value of money refers to the idea that a dollar today is worth more than a dollar in the future. This is because money can be invested and earn interest over time. Therefore, receiving a dollar today ismore desirable than receiving the same amount in the future. The time value of money is an important concept in finance and is used to calculate the present value of future cash flows.2. What are the main functions of a central bank?答案：The main functions of a central bank include:- Monetary policy: Central banks are responsible for formulating and implementing monetary policy to control the money supply and interest rates in an economy. This is done to achieve specific macroeconomic objectives, such as price stability and economic growth.- Banker to the government: Central banks act as the government's bank and provide services such as managing the government's accounts, issuing government securities, and acting as a lender of last resort.- Banker to commercial banks: Central banks also provide banking services to commercial banks, including maintaining accounts, providing short-term loans, and overseeing the stability of the banking system.- Currency issuance: Central banks are responsible for issuing and circulating the national currency.- Financial stability: Central banks play a crucial role in maintaining financial stability and monitoring risks in the banking system.总结：本文为大家提供了一些常见的金融英语考试试题及答案。