[金融英語考試密押資料]現(xiàn)代金融業(yè)務(wù)(綜合)模擬(暫無語音只提供參考12

1、金融英語考試密押資料現(xiàn)代金融業(yè)務(wù)(綜合)模擬(暫無語音，只提供參考12金融英語考試密押資料現(xiàn)代金融業(yè)務(wù)(綜合)模擬(暫無語音，只提供參考12現(xiàn)代金融業(yè)務(wù)(綜合)模擬(暫無語音，只提供參考12Part One ListeningSection OneDirections:In this section, you will hear ten short statements. Each statement will he spoken only once. After each statement, there will be a pause. During the pause, you must

2、 read the four suggested answers marked A, B, C and D, and decide which is the best answer. 1.A.People can draw the money on CDs whenever they want.B.People can sell their CDs in the money market whenever they want.C.A CD is a demand deposit as opposed to a term security.D.CDs dont have a specified

3、maturity date.答案:B解析 Although CDs cannot be withdrawn, they can be marketed, that is sold, at any time 單句意思為“可轉(zhuǎn)讓定期存單不能隨便提取，但可以任意買賣?！盉項正確， 其他選項均表述錯誤。 2.A.The Bank of China is not a state-owned enterprise.B.The Bank of China is a foreign exchange bank.C.The Bank of China is not a foreign exchange bank

4、.D.The Bank of China is not very important.答案:B解析 The bank of China is a state-owned enterprise and is a specialized foreign exchange bank of the Peoples RepubliC of China 單句意思為“中國銀行是國有商業(yè)銀行，它是中國的外匯專業(yè)銀行?！?3.A.The amount on the cheque is larger than in the account.B.The car can be covered with your ch

5、eque.C.The cheque you wrote can not cover the car.D.The amount on your cheque is just that in your account.答案:A解析 Im afraid there isnt enough money in your account to cover the cheque you wrote for your new car 單句意思為“恐怕您賬戶里余額不足，您所開的支票無力購買此新車。” 4.A.The bank must take the purpose of loan into consider

6、ation carefully.B.The bank wonders if the loan is used for illegal or speculative purpose.C.The bank worries that the loan is used for illegal or speculative purpose.D.The bank must consider a way for the loan to be used for speculative purpose.答案:A解析 The bank must consider carefully whether the loa

7、n is to be used in any illegal activity or for speculative purpose 單句意思為“銀行必須仔細審查，看貸款是否是用于非法活動或是投機行 為。” 5.A.The discount rate and the stock prices move in the same direction.B.The discount rate and the stock prices move in the adverse directions.C.When the Fed raises stock prices, the discount rate

8、is likely to move downward.D.When the Fed lowers stock prices, the discount rate tends to rise.答案:B解析 Historically, when the Fed lowers the discount rate, stock prices tend to rise when the Fed raises the discount rate. stock prices are likely to move downward. 根據(jù)錄音可知，股票價格隨著貼現(xiàn)率的變化而變化，且方向相反。 6.A.They

9、 will write to their home.B.They will write to their headquarter.C.They will ask for their rights.D.They will wait for an officer.答案:B解析 They will write to their home office to waive their claim 單句意思為“他們將寫信給他們的總公司，告之將放棄他們的索賠。” 7.A.If a shareholder owns more shares, he can receive more cash dividends

10、.B.Cash dividends are paid to each shareholder on the date of declaration.C.The number of shares has little impact on cash dividends paid to each shareholder.D.Cash dividends will be paid from the proceeds of the share issuance.答案:A解析 Cash dividends are paid to each shareholder based on the number o

11、f shares that a shareh01der owns 單句意思為“現(xiàn)金股利的支付額要基于股東擁有的份額”。 8.A.The banks have an incalculable liability under the documentary credit revolving in value.B.The banks prefer to issue the documentary credit revolving in value.C.The buyer has less liability under the documentary credit revolving in valu

12、e.D.The banks are involved in less liability by issuing the documentary credit revolving in value.答案:A解析 A revolving documentary credit in relation to value involves the buyer and the banks in an incalculable liability 單句意思為“有一定價值的可循環(huán)跟單信用證使得買方和銀行要承擔不可計 量的債務(wù)。” 9.A.If future contracts are standardized

13、, brokers would not assess contract specifi cations.B.As long as future contracts are standardized, floor trading would be made slow accordingly for brokers to evaluate contract specifications.C.Whether future contracts are standardized or not, floor trading will not be influenced.D.Futures contract

14、s must be standardized, otherwise, floor trading would be made very slowly since specifications of each contract would be assessed.答案:D解析 Future contracts have to be standardized. or floct trading would be slowed down considerably as brokers would have to assess contract specifications. 單句意思為“期貨合約必須

15、標準化，否則場內(nèi)交易將會大大地減慢，因為經(jīng) 紀人要對合同的各種細則進行評估。” 10.A.We paid you early as required.B.Your documents came to us as required.C.Your documents have been correctly presented as required.D.You did not present the documents as required.答案:D解析 We found that the documents we received did not comply with the require

16、ments 單句意思為“我們發(fā)現(xiàn)我們收到的單據(jù)與所要求的不一致?！?Section TwoDirections: 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 andquestion will be spoken only once. During the pause, you must read the four choicesmarke

17、dA, B, C, D, and decide which is the best answer. 1.A.Customs officer and travelers.B.Employer and employee.C.Business associates.D.Bank clerk and customer.答案:D解析 W: Since I have some spare cash in my account, I would like to open a time deposit account here. Can you give me some information please?

18、 M: With pleasure. We have many kinds of time deposit accounts: 1 month, 3 month, 6 month and 1 year Q: What is the possible relationship between the two speakers? 根據(jù)對話，女士是想開立一個定期存款賬戶，并請求對方提供相關(guān)信息，男 士則介紹了幾種定期存款賬戶類型，由此可推知兩者為銀行職員與客戶之間的關(guān) 系。 2.A.4%.B.4.5%.C.5%.D.5.5%.答案:C解析 W: Well. yes. What about inter

19、ests on those accounts? Im interested in fixed time deposits accounts. M: There are three kinds of fixed deposits, Madame. They are three-month， six-month and twelve-month deposits. The interest on a three-month deposit is 4.5% per annum. on six month 5%. on twelve month 5.5%. Q: What is the interes

20、t rate on a six month deposit? 根據(jù)男士回答“On six month 5%”，可知答案為C選項。 3.A.July.B.August.C.September.D.October.答案:C解析 M: We have agreed on the terms of payment. Is it possible to effect shipment in August? W: Im afraid not. Mid September. I think Q: When is the earliest possible time of shipment? 當男士問八月是否

21、能出貨時，女士給予了否定回答，她認為可能要到“Mid September”，所以選項C為正確項。 4.A.Rate on the personal loan.B.Base rate of the bank.C.The amount of payment.D.Personal loans time period.答案:A解析 M: The rate on a personal loan is fixed according to the base rate at the time when the loan is made W: But it is always higher than the

22、base rate, isnt it? Q: What is determined when a personal loan is made? 根據(jù)對話中“The rate on a personal loan is fixed”可知A項正確。 5.A.Profit and JossB.Owners equity.C.LiabilitiesD.Assets.答案:A解析 M: Can you tell me something about a balance sheet? W: Yes. It is divided into three sections: assets, liabilitie

23、s, and owners equity and it is used to sullmlarize a companys financial position on a given date Q: Which of the following is not a section of a balance sheet? 根據(jù)女士回笞資產(chǎn)負債表分為三部分，即“assets”，“l(fā)iabilities”和 “owners equity”，A項未提及。 6.A.To endorse his cheques.B.To show his passport.C.To cash some travelers

24、cheques.D.To open a checking account.答案:C解析 M: May I cash these travelers checks for $300 here? W: Of course. Would you please countersign them here? Also write place and date as specified. Q: What does the man want to do according to the conversation? 根據(jù)男士的話，他是想“cash these travelers checks”，所以選項C正確

25、。 7.A.To withdraw some money.B.To exchange some foreign currencies.C.To discount some bills.D.To cash some travelers checks.答案:C解析 M: Bank of China. May I help you9 W：Yesplease.Id like to get some information about discounting a bill of exchange. Q: What does the customer want to do.? 根據(jù)女士回答，她是想獲得一些

26、關(guān)于匯票貼現(xiàn)方面的信息，可見她是想將匯 票貼現(xiàn)。 8.A.Presentation of bill of exchange for payment.B.Documents required for a collection operation.C.Application for a letter of credit.D.What are contained in a collection order.答案:B解析 M: Well. what other documents shall I hand in to your bank besides billS of lading? W: A Si

27、ght draft, an insurance policy, and a collection order which contains instructions on collection operation to our bank. Q: What are they talking about? 男士問對方，除了遞交提單外還得遞交哪些單據(jù)。女士的回答是a sight draft，an insurance policy，and a collection order，即即期匯票、 保險單及托收委托書，由此可推知答案為B。 9.A.700 yuan.B.600 yuan.C.650 yuan.

28、D.750 yuan.答案:A解析 M：Im leaving for America and still have some RMB with me. There is about 700 yuan left. Can I change it back into US dollars? W: Yes, we can convert your leftover RMB back into foreign money. Q: How much RMB yuan does the customer want to exchange for US dollars? 男士是想將人民幣兌換外幣，并說他還剩

29、 700 yuan，所以A選項正確。 10.A.Every month.B.Every quarter.C.Every year.D.Half a year.答案:B解析 M: Do you keep the transferred amount in a special account that I cant contr017 W: Yes, we keep those balances in a tax accrual trust account specifically reserved for tax payments. Usually the balances will be use

30、d every quarter for tax liability payments. Q: How often will the balance be used for tax liability payments? 根據(jù)女士同答the balances will be used every quarter，可知答案應(yīng)為 B選項。 Section ThreePassage One 1.A.With little concern.B.With calm.C.With great interest.D.With confusion.答案:B解析 The Tokyo stock market re

31、sponded calmly yesterday to the collapse of two Japanese financial institutions，with prices finishing higher on strength in high-tech issues. The US dolfar fell back against the Japanese yen The dol far started higher in Tokyo amid concern about the collapse of the nations largest credit union and H

32、yogo Bank, a regional bank based in Kobe. It reached 99.40 yen at one point, its highest level since 99.45 yen on February 8. At late afternoon, the dolfar was traded at 97.46 yen, down 1.32 yen from late Wednesday in Tokyo and also sharply below its overnight New York level of 99.01 yenThe US curre

33、ncy ranged in Tokyo between 96.82 yen and 99.40 yen. Meanwhile. share price rose as higher future prices and rising high-tech issues supported the whole market. Export-related high-tech stocks have gained Significantly, supported by the stronger dollar. How did the Tokyo stock market respond to the

34、collapse of two Japanese financial institutions? 錄音原文提到The Tokyo stock market responded calmly yesterday to the collapse of two Japanese financial institutions，東京股票交易所昨天對日本兩大金融機構(gòu)破產(chǎn)的消息反應(yīng)平靜。 2.A.99.40 yen.B.97.46 yen.C.99.01 yen.D.96.82 yen.答案:B解析 What was the price of the dol far against Japanese yen

35、 at late afternoon? 錄音原文提到At late afternoon, the dollar was traded also sharply below its overnight.在下午晚些時候，美元對日元價格為97.46uSD/JYP，與上星期三相比，下降了1.32日元，當然隔夜匯率也急劇下降。 3.A.Share price.B.High-tech stocks.C.Japanese yen.D.Most of the stocks.答案:B解析 What kind of stocks has risen in the Tokyo stock market? 錄音原文最

36、后提到Export-related high-tech stocks have gained significantly，supported by the stronger dolfar。與出口相關(guān)的高科技股受美元強勁影響，股價明顯上漲。 Passage Two 1.A.Business development loans.B.House improvement loans.C.Farm development loans.D.Overdrafts.答案:D解析 Some banks offer other types of loans repayable by monthly install

37、ments, such as business development loans, house improvement lcans, and farm development lcans. These may be either secured or unsecured.Secured lcans attract a slightly lower rate of interest than unsecured lcans. Some banks offer revolving credit schemes. These normally involve lcans repayable by

38、regular monthly instal lments, but they differ from other lcans repayable by installments in two respects. First, the borrower need not take up the full amount of the lcan at the outset. Secondly. as his repayments reduce hiS indebtedness. he can top up hiS lcan by borrowing more, provided that the

39、total debt outstanding does not exceed his agreed credit 1imit. In 1967 some banks introduced a new form of account called abudget account. The object is to al low personal customers to spread the incidence of normal personal and household expenditure. Which of the following lcans is not repaid by i

40、nstallments? 錄音原文一開始提到Some banks offerand farm development loans.一 些銀行推出其他種類按月分期還款的貸款，例如商業(yè)發(fā)展貸款、住房改善貸款和 農(nóng)業(yè)發(fā)展貸款。 2.A.Secured loans.B.Unsecured loans.C.Business development loans.D.House improvement loans.答案:A解析 Which of the following loans would attract a lower rate of interest? 錄音原文提到Secured loans at

41、tract a slightly lower rate of interest than unsecured loans. 抵押貸款獲得比信用貸款更低的利率。 3.A.By taking up the full amount of the loan.B.By borrowing more.C.By stopping borrowing.D.By reducing his indebtedness.答案:B解析 How does a borrowertop uphis loan? 錄音原文提到Secondly, as his repayments reduceexceed his agreed

42、credit limit. 在借款人未清償總債務(wù)沒有超過事先商定好的信用額度前提下， 由于還款減少了債務(wù)，他可以通過借入更多款項積累貸款額。 4.A.To allow personal customers to spread the incidence of normal personal and household expenditure.B.To make the payment of fuel bills, rates, season tickets.C.To pay ear insurance and school fees by installments.D.To transfer

43、some amount by twelve equal monthly installments.答案:A解析 What is the objective of introduction of the budget account? 錄音原文提到In 1967 some banks introducedhousehold expenditure 1967年，一些銀行引入一種新的賬戶，名為預(yù)算賬戶。其目的在于擴大個人支 出貸款和住房支出貸款的影響范圍。 Passage Three 1.A.2.B.5.C.4.D.3.答案:D解析 If you want to invest money at sh

44、ort term, youve got several possibilities: first, a current account. ThiS gives you the possibility of having all your money at your immediate disposal. It also entitles you to a cheque-book. Second, youve got a deposit account，which usually pays about 3.5%interest. less tax. In that respect. a depo

45、sit accounts a better investment than a current account. However. though you are entitled to a cheque book，you can only withdraw up to a certain sum each month. For large amounts, you must give the bank a few months notice.Finally， you have certificares of depositThese pay in the order of 6.5% inter

46、est. How many possibilities are there for a customer to invest money at short term? 綜合整篇錄音原文，它提first, Second， Finally， 因此推斷出客 戶可采用三種方法進行短期投資。 2.A.Certificates of deposit.B.Deposit account.C.Current account.D.Both B and .答案:A解析 With what kind of deposit can a customer NOT use a cheque-book? 錄音原文提到的三種

47、方法包括活期存款、儲蓄存款、大額存單，只有大額存 單不能使用支票簿，其他兩種部提到了，盡管有所差別。 3.A.3.55%.B.1.5%.C.3.5%.D.3.75%.答案:C解析 What is the interest rate for maintaining a deposit account? 錄音原文提到Second, youve got a deposit account, which usually pays about 3.5%interest, less tax. 儲蓄存款支付稅前利率3.5%。 Part Two ReadingSection OneDirections: Th

48、ere are three 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.Passage 1 Fractional reserve banking is the practice of keeping only a traction of deposits in the form of reserves. Depository in

49、stitutions (commercial banks, savings and loan associations, mutual savings banks, and credit unions) are able to do this because only a small fraction of their depositors is expected to turn up during any given day or week to withdraw their deposits. The bulk of deposits is invested in financial as

50、sets, from which the depository institutions earn most of their income. Those income-earning financial assets range from bills, notes, and bonds issued by private corporations and by the federal, state, and municipal governments to mortgage loans for housing. Each type of financial institution has a

51、 different type of portfolio of assets, which reflects their area of special expertise in managing financial assets. To demonstrate how depository institutions create money under the present system of fractional reserve banking, hypothetical example of a commercial bank, Southwest National Bank, wil

52、l be used. It is assumed that federal regulations require Southwest National Bank to hold a percentage of its deposits in the form of cash reserves. This is the reserve requirement. The reserves may be held in the form of currency and coin on the premises, a form of reserves called vault cash, or th

53、ey may be held in a deposit at a regional Federal Reserve Bank. Assume that the Southwest National Bank management, taking into account the reserve requirement and the projected amount of withdrawals arid deposits, decides to keep 20 percent of its deposits in rescues. 1. Why do the depository insti

54、tutions have the fractional reserve banking?A.Because they can keep a large amount of deposits from their depositors in the form of reserves.B.Because most of their depositors would withdraw their deposits.C.Because only a small fraction of their depositors would deposit money during a day or week.D

55、.Because they can meet the need of withdrawing of their depositors and make investments in other financial assets.答案:D文章第一段提到Depository institutionsweek to withdraw their deposits。存款準備金是指金融機構(gòu)為保證客戶提取存款和資金清算需要而準備的在中央銀行的存款。存款機構(gòu)能這樣做是因為存款者在不定的時間內(nèi)會提取存款。只有D選項的意思是與題意相符。2. What is the main source of income o

56、f the depository institutions?A.Different types of portfolio.B.Bills, notes and bonds.C.Deposits invested in financial assets.D.Large amount of assets.答案:C文章第二段提到Those income-earning financial assetsmortgage loans for housing。銀行的收入來源很廣，包括與個人與簽訂的bills, notes, and bonds等等，概括起來就是Deposits invested in financial assets。3. How can we know the management of financial assets?A.From the assets area of special expertise.B.From the portfolio of the assets.C.From the scale of the assets.D.From the reserve banks.答案:B文章第二段提到a different type of portfolio of assetsi