[金融英語考試密押資料]金融英語初級模擬2

1、金融英語考試密押資料金融英語初級模擬2金融英語考試密押資料金融英語初級模擬2金融英語初級模擬2Part One ListeningSection OneDirections: 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

2、and D, and decide which is tile best answer. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center. (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 1.A.Mr. Lin is not in his office at the moment.B.Mr. Lins secretary would like to see you.C.Mr. Lin has just left and will be back in ten mi

3、nutes or so.D.Mr. Lin is at the meeting and will be seeing you in ten minutes or so.答案:D解析Mr. Lin is in conference just now but he will be able to see you in ten minutes or so.2.A.You can draw a certain sum of money from your credit card.B.You can supply a certain sum of money.C.We can supply you wi

4、th a certain sum of money against your credit card.D.We can advance any amount of money against your credit card.答案:C解析We can advance a certain stun of money against your credit card.3.A.Eight hundred dollars is left.B.Five hundred dollars is left.C.Three hundred dollars is left.D.Four hundred dolla

5、rs is left.答案:B解析Three hundred dollars from eight hundred leaves five hundred.4.A.Could you help me change foreign money?B.Could you tell me where I can change foreign money?C.Could you direct me to where you sell foreign money?D.Could you instruct me how I can get foreign money?答案:B解析Could you dire

6、ct me to where you change foreign money?5.A.You cannot get your notes back.B.Your notes are forgery.C.Your forged notes cannot be returned to you.D.Our regulations conform with international practice.答案:C解析According to our regulations and international practice, forged notes must be confiscated. So

7、we cant return them to you. (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 6.A.Commercial banks mainly provide short- term loans for the capital market.B.The capital market mainly depends on the acquired deposits and the funds from other channels.C.Short - term loans are mainly from the acquired deposits and the funds from o

8、ther channels.D.Commercial banks mainly depend on the capital market for deposits and the funds.答案:A解析Commercial banks are mainly to provide short- term loans for the capital market with tile acquired deposits and the funds from other channels.7.A.Your countersign conforms with the specimen signatur

9、es.B.Your countersign has to be consistent with the specimen signatures.C.Your countersign doesnt conform with the specimen signatures.D.Your countersign must conform with the specimen signatures.答案:C解析Your countersign is inconsistent with the specimen signatures.8.A.The credit cannot be used until

10、the issuing bank agrees to amend it.B.Please go to the issuing bank to have your credit amended.C.Please ask the issuing bank when it can amend the credit.D.The credit doesnt need any amendment once it is issued.答案:B解析Please ask the issuing bank to make an amendment of the credit.9.A.Exchange rates

11、change daily within the limits set in the exchange regulations.B.Exchange rates are laid down in the exchange regulations.C.Exchange rates fluctuate daily sometimes beyond tile limits set in the exchange regulations.D.Exchange rates fluctuate daily several times within the limits in the exchange reg

12、ulations.答案:A解析Exchange rates fluctuate daily within the limits laid down in the exchange regulations.10.A.Financial reporting is meant to provide information helpful for making investment and lending decisions.B.Financial reporting is primarily used to make investment and lending decisions.C.Invest

13、ment and lending decisions cannot be made without financial reporting.D.The primary objective of financial reporting is to make investment and lending decisions.答案:A解析The primary objective of financial reporting is to provide information useful for making investment and lending decisions.Section Two

14、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 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

15、answer. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center. (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 1.A.The man lost his checkbooks.B.The man lost his passport.C.The man lost his password.D.The man lost his passbook.答案:D解析W: It looks like you me worried. May I help you?M: Yes,

16、 I hope so. Ive lost my passbook.Question: Which of the following is true?2.A.Housing loan.B.Foreign currency loan.C.Dollar loan.D.Credit loan.答案:A解析M: Id like to know something about mortgage loans. Can I get some information from you?W: All fight. We have certain requirements for lending money to

17、individuals.Question: What are they talking about?3.A.January 24.B.February 31.C.January 25.D.February 26.答案:C解析W: Whats the expiry date of the L/C?M: The L/C will expire on January 25.Question: When will the letter of credit expire?4.A.Payment by demand drafts.B.Payment by collection.C.Payment by l

18、etters of credit.D.Payment by remittance.答案:A解析M: Can you give me a brief account of the usual modes of payment?W: Generally, there are three types: payment by remittance, payment by collection and payment by letters of credit.Question: Which of the following is not among the usual modes of payment

19、mentioned by the woman?5.A.To avoid problems arising from inflation.B.To prevent possible fraud.C.To avoid problems arising from fluctuations of exchange rote.D.To prevent overdrawing.答案:A解析W: Why should it be deposited within such a short time?M: To avoid problems arising from fluctuations of excha

20、nge rate and to prevent possible fraud or overdrawing.Question: Which of the following is not among the reasons given by the man? (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 6.A.Inspection certificate.B.Certificate of origin.C.Insurance policy.D.Bill of lading.答案:D解析W: As for the documents they consist of bill of lading,

21、insurance policy, inspection certificate, invoice, certificate of origin and packing list. The most important document is the bill of lading.M: Wait a minute, let me take them down in my notebook.Question: Which document is the most important?7.A.Bank clerk and customer.B.Receptionist and foreign gu

22、est.C.Customs officer and traveler.D.Business associates.答案:A解析M: Can I convert some American dollars into Chinese yuan here? I will stay in Beijing for several weeks.W: Yes, we are an authorized foreign exchange bank and can change them for you.Question: What is the possible relationship between th

23、e two speakers?8.A.FourB.TwoC.ThreeD.Five答案:C解析M: And what margins will the lending bank charge?W: Margins mainly depend on these factors: evaluation of credit risk, maturity of credit, and the starting point from which onwards the rate of interest shall be firm.Question: How many factors do margins

24、 charged by the lending bank mainly depend on?9.A.Improper packing.B.Rough handling.C.Damaged goods.D.Defective goods.答案:C解析M: We got news this rooming that the tea sets arrived at the destination yesterday were seriously damaged.W: Have you found the cause of damage?Question: What me they talking a

25、bout?10.A.At the bank.B.At the travel agency.C.At the customs.D.At the company office.答案:C解析M: Have you got anything to declare, madam?W: No, I havent got any dutiable things with me.Question: Where does tiffs conversation most probably take place?Section ThreeDirections: In this section you will he

26、ar 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 SHEET wi

27、th a single line through the center.Passage One (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 1.A.1992B.1993C.1994D.1995答案:C解析 21-23 The Chinese currency is the Remninbi. China has maintained a unified managed floating exchange rate since January 1994. The exchange rate of the Renminbi is determined by the inter bank foreig

28、n exchange market. The Peoples Bank of China armounces a reference rate for the Renmiabi against the U.S. dollar, the Hong Kong dollar, and the Japanese yen based on the weighted average price, of foreign exchange transactions during the previous days trading. Daily movement of the exchange rate of

29、the Renminbi against the U.S. dollar in inter - bank foreign exchange market is limited to 0.3 % on either side of the reference rate as announced by the PBC. The buying and selling rates of the Renmiabi against the Hong Kong dollar and the Japanese yen may not deviate more than 1% on either side of

30、 the reference rate. In the case of other currencies, the deviation may not exceed 0.5 % on either side of their respective rates. 21. When did China begin to maintain a unified managed floating exchange rate?2.A.The Peoples Bank of China.B.China Foreign Exchange Trading Center.C.Inter- bank foreign

31、 exchange market.D.The State Administration of Foreign Exchange.答案:C解析Who determines the exchange rate of the Renminbi?3.A.1%B.0.3%C.0.5%D.0.4%答案:B解析What is the deviation allowed on daily movement of the exchange rate of Renmiubi against the U.S. dollar?Passage Two (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 1.A.High risk

32、.B.A type of credit product.C.High interest.D.A kind of revolving loan.答案:D解析 24-27 Consumer Credits are high risk and high interest credit products, which are usually classified into three sorts: amortization loans, credit cards and non - installment loans for purchasing cars, non - structure house

33、s or investing a little amount and so on. Their maturity usually range from two to five years. Education loans just one type of amortization loans. Credit cards, first issued by Franklin National Bank in 1952, are a kind of revolving loan, and are getting more and more popular. Non- installment loan

34、s are a kind of short - term loan to meet temporary need and are supposed to be paid back at one time. They are. also called bridge loans. 24. Which of the following is not one of the features of Consumer Credits?2.A.Collateral loan.B.Education loan.C.Mortgage loan.D.Commercial loan.答案:B解析Which of t

35、he following is one type of amortization loans?3.A.1952B.1958C.1962D.1968答案:A解析When ware credit cards first issued?4.A.It is a kind of short - term loan.B.It is also called bridge loan.C.It is supposed to pay back at one time.D.Its maturity exceeds five years.答案:D解析Which of the following is not true

36、 about non - installment loans?Passage Three (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 1.A.A rise in Tokyo stock.B.Japans life insurance firms.C.Negative spread.D.Japanese life insurers difficult situation.答案:B解析 28-30 TOKYO: A rise in Tokyo stock prices helped Japans big life insurance firms report an improvement in th

37、eir financial health last Thursday, but a drop in the value of outstanding policies showed public confidence in the insurers remained low. Japanese share prices rose nearly 30 per cent in the April - September period. That helped improve the balance sheets of long - struggling life insurers, althoug

38、h it was not enough to close the negative spread between insurers investment returns and the returns they need in order to meet obligations to policyholders. Because of a rise in domestic stock prices, life insurers managed to get out of their crisis - like situation, said Hidetaka Kawakita, a profe

39、ssor at Japans Chuo University and a former fund manager at top insurer Nippon Life Insurance Co. But looking at the bigger picture, nothing has really changed, and their negative spreads remain huge. 28. What is this passage mainly about?2.A.Rise.B.Fall.C.Remain unchanged.D.Not sure.答案:A解析How do yo

40、u report Japanese share prices in the April - September period?3.A.The value of outstanding policies went down.B.Life insurers negative spreads tended to grow small.C.Public confidence in the insurers remained low.D.A rise in Tokyo stock helped improve the balance sheets of life insurers.答案:B解析Which

41、 of the following statements is not true according to the passage?Part Two ReadingSection OneDirections: Each of the following sentences is provided with four choices. Choose tile one that best completes rite sentence.問題:1. Although the company showed a profit, the balance sheet looks increasingly _

42、.A.brightB.dimC.shallowD.fragile答案:D問題:2. _ money refers to currency issued on the basis of banks credit instead of gold reserve.A.FairB.FiduciaryC.FixedD.Deposit答案:B問題:3. Increased flows of world capital intensify financial competition among nations. This trend places pressures on national governme

43、nt to their domestic markets and liberalize international capital movements.A.removeB.settleC.deregulateD.control答案:C問題:4. Many financial transactions are _ sheet items such as interest rate swaps and are not clearly identified through the usual reporting channels.A.zeroB.capitalC.off-balanceD.major

44、答案:C問題:5. The bankers _ the steel companys new shares, which means the share issue will be sold to the bankers instead of the public directly.A.underwriteB.underchargeC.undertakeD.underestimate答案:A問題:6. With no interest rate _ on deposits or restrictions on maturities, banks can offer any deposit pr

45、oduct customers demand.A.cutB.ceilingsC.demandD.contract答案:B問題:7. From banks perspective, liabilities have become more interest elastic, so that small rate changes can produce large fluctuations in _ balances.A.outstandingB.outreachingC.remainingD.demanding答案:A問題:8. Checks are attractive because the

46、y are readily accepted and provide formal _ of payment.A.creditB.verificationC.clarityD.collection答案:B問題:9. Normally, _ capital loans are secured by accounts receivable or by pledges of inventory and carry a floating interest rate on the amounts actually borrowed against the approved credit line.A.c

47、urrentB.stockC.workingD.long-term答案:C問題:10. Dealers in government and private securities need short - term financing to purchase new securities and carry their existing portfolios of securities until those securities are sold to customers or reachA.businessB.marketsC.maturityD.objective答案:CSection T

48、woDirections: There are a number of blanks in each of the following 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 One The Secur

49、ities Exchange Act of 1934 established the Securities and Exchange 1 (SEC) and gave it authority 2 the securities markets. All brokers and dealers doing business in the organized markets must register 3 the SEC. A broker assists the trading process by buying or selling securities in the market for a

50、(n) 4 . A dealer satisfies investors trades by buying and selling securities from his own inventory. In addition, attempts to 5 securities prices were declared illegal. 1.A.CommitteeB.CommissionC.CongressD.Convention答案:B2.A.overB.onC.aboveD.for答案:A3.A.inB.onC.withD.from答案:C4.A.buyerB.sellerC.investo

51、rD.producer答案:C5.A.manipulateB.controlC.adjustD.follow答案:APassage Two In addition to federal regulation of investment banking, most states have blue - sky laws to protect investors 1 fraudulent security offerings. Blue - sky laws apparently get their mine from the efforts of some unscrupulous operat

52、ors 2 , if not restricted, would promise to sell investors pieces of the blue sky. Because state laws differ 3 their specific regulations, the federal government is the 4 regulator of investment banking. The most common 5 of state blue - sky laws is that of misrepresenting the financial condition an

53、d asset position of companies. 1.A.toB.onC.inD.from答案:D2.A.whomB.whoC.whereD.whose答案:B3.A.fromB.inC.onD.at答案:B4.A.secondaryB.mainC.alternativeD.primary答案:D5.A.mistakeB.errorsC.fraudD.violation答案:DSection ThreeDirections: Read the following passages and determine whether the sentences are Right or Wr

54、ong. If there is not enough information to answer Right or Wrong, choose Doesnt say. Then mark the corresponding letter on the ANSWER SHEET by drawing a single line through the center.Passage One There are three key objectives of off - site surveillance. The first is to identify banking institutions

55、 that, while currently basically healthy, may face problems in the short or medium term. Through forward - looking surveillance techniques, the supervisor can address problems before they become unmanageable. Surveillance is particularly important in countries where onsite examinations are generally

56、 spaced apart by a year or even longer, and the potential for problems to develop and expand between bank examinations is great. The second major objective is to monitor very closely banking institutions already identified as having significant problems. This improves the supervisors ability to prevent existing problems from growing. It also provides the supervisor with the information necessary, on a continual basis