[語(yǔ)言類考試復(fù)習(xí)資料大全]初級(jí)銀行綜合類模擬(聽(tīng)力部分暫無(wú)答案13

1、書山有路勤為徑，學(xué)海無(wú)涯苦作舟。祝愿天下莘莘學(xué)子：學(xué)業(yè)有成，金榜題名！語(yǔ)言類考試復(fù)習(xí)資料大全初級(jí)銀行綜合類模擬(聽(tīng)力部分暫無(wú)答案13初級(jí)銀行綜合類模擬(聽(tīng)力部分暫無(wú)答案13一、聽(tīng)力題Part OneDirections: In this section, you will bear some short conversations. At the end of each conversation, a question will be asked about what was said. The conversation and the question will be spoken only

2、 once. During the pause, you must read the four suggested answers marked A, B, C and D, and decide which is the 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(tīng)力錄音請(qǐng)搜索標(biāo)題名) 1.A.the budgetB.the salesC.the estimationD.the prospect of t

3、he company答案:解析M: Im happy that the budget forecast is almost finished. Can we assume A答案:解析M: Why do you suggest an option contract instead of a forward contract for me?W: Because with an option, you can kill off the downside risk and keeps the upside possibility.Q: What does the woman mean?3.A.86-

4、81B.68-18C.18-68D.86-18答案:解析M: This week was fantastic. The price went up and up. Yesterday it reached 86-18.W: Wow. That is almost 12% more than the level where you bought it.Q: What is the highest point they are talking about?4.A.to buy a land and build a new plantB.to lease a facilityC.to buy a n

5、ew plantD.to give up答案:解析M: We were surprised by your recommendation, George. We felt there should have been at least one facility that could buy or lease, rather than our having to build a new plant.W: I inspected every facility in the area, and not one of them was adequate.Q: What is Georges recom

6、mendation?5.A.I hope we have enough coverings.B.I hope we have covered the lorries well.C.I hope we have adequate damage compensations from insurers.D.I hope we are warm and healthy.答案:解析M: The vehicle insurers say the lorries are completely write offs.W: I hope we are covered all right.Q: What does

7、 the man mean?Part TwoDirections: In this section, you will hear 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. T

8、hen mark the corresponding letter on the ANSWER SHEET with a single line through the center.Passage one (如需獲取本MP3聽(tīng)力錄音請(qǐng)搜索標(biāo)題名) 1.A.Cash should not abandoned.B.Cash is as good as credit card.C.It is good to give up using cash.D.Cash is electronic record.答案:解析 6-8 We will live in a society where cash no

9、 longer exists. Instead, cash is electronic, as in bank card systems. Currency and coin are abandoned. Its benefits would be profound and fundamental. Theft of cash would become impossible. Bank robberies and cash-register robberies would simply cease to occur. Attacks on shopkeepers, taxi drivers,

10、and cashiers would all end. Purse snatchings would become a thing of the past. Urban streets would become safer. Retail shops in once-dangerous areas could operate in safety. Security costs and insurance rates would fall. Property values would rise. Neighbonrhoods would improve. In the long run, a c

11、hange from cash to recorded electronic money would be a fluid transition. Previously unpaid income-tax rates could be lowered or the national debt reduced. Cash has been the root of much social and economic evil. The emergence of electronic funds transfer technology makes it possible to change the n

12、ature of money and to divorce it from evil. Eighty percent of Americans regularly use credit cards. The development of a federal system to handle the countrys 300 billion annual cash transactions in the United States electronically is within reach. A national electronic-money system would operate as

13、 a debit-card system. Each individuals money would be held in his money-system account. A transaction would effect an instant transfer of money from his account to that of another account holder. 6. According to the passage, which of the following statements is true?2.A.lowerB.higherC.the sameD.unpr

14、edictable答案:解析What will be the national debt in a no cash society?3.A.impossibleB.conditionalC.possibleD.unconditional答案:解析Can we handle cash transactions electronically in the United States?Passage Two (如需獲取本MP3聽(tīng)力錄音請(qǐng)搜索標(biāo)題名) 1.A.a national electronic-money systemB.a bank-card systemC.lowered income -

15、 tax ratesD.fund - transfer technology答案:解析 9-10 Only cash would be supplanted by electronic money. The use of checks, drafts, money orders, travelers checks, cashiers checks, as well as letters of credits, acceptances, and other financial instruments would remain in regular use. The credit card and

16、 automatic-teller-machine system would not necessarily change, although you could no longer obtain cash at ATMs. Deposits into your electronic-money account would be made by direct electronic transfer, via a terminal, from any other money-system account. To deposit checks, money orders, and other no

17、n-electronic instruments into your money-system account, you would negotiate them at a commercial bank, which would transmit them through a clearing-house. There would be no such thing as a withdrawal: rather, you could only transfer funds from your account into some-one elses account (or a differen

18、t account of your own) via the money-system terminal. For the majority of people who now use credit and debit cards, learning to use the new money system would be a snap. Even those unfamiliar with bank cards would find it easy. Transforming Americas cash to a federal electronic-money system would b

19、e historic. Details have yet to be worked out on matters such as whether or not to leave coins in circulation, coordinating with the banking industry, selecting communication and computer systems, implementing the systems, working out international monetary arrangements, and so on. 9. What is needed

20、 to realize a no-cash society?2.A.ATMB.debit cardC.withdrawalD.clearing house答案:解析What will not appear in an electronic money system?二、單項(xiàng)選擇問(wèn)題:1. You customer asks your bank to handle a colleetion outwards on his behalf. Your bank are _.A.the reimbursing bankB.the negotiating bankC.the remitting bank

21、D.the collecting bank答案:C問(wèn)題:2. A cheque crossed account payee _.A.can only be accepted for the account of the named payeeB.can be accepted for the credit of an account other than that of the named payee provided the collecting bank makes enquiriesC.prevents negotiation of the cheque and, therefore,

22、has the same effect as a notnegotiable crossingD.is an example of a special crossing答案:B問(wèn)題:3. The following are the basic functions of a bill of lading except to act as _.A.a receipt for the goods from the shipping company to the exporterB.a certificate of origin, which certifies that the goods were

23、 produced in a particular countryC.a document of title to goods being shipped overseasD.a quasi negotiable document答案:B問(wèn)題:4. In extending loans, one of the principles that a commercial bank persists in is _.A.free from interference of local governmentB.against collateralC.based on sole responsibilit

24、y to its profits and lossesD.in pursuance of the law of the Peoples Bank of China答案:B問(wèn)題:5. A cheque payable to ABC Company is credited to the personal account of Mr. Gao. The bank _.A.is correct in crediting the accountB.is merely doing what is requested by its customerC.has committed an act of negl

25、igenceD.will make a claim on its principal答案:C問(wèn)題:6. Customers trading abroad in foreign currencies may protect against the exchange risk by arranging _.A.a contract of international sale of goodsB.a contract of marine insuranceC.a forward contract to fix the exchange rate in advanceD.contract for th

26、e delivery of goods by installment答案:C問(wèn)題:7. A company that has the use of a vehicle upon payment of a sum of money on a regular basis over a long period of time is using the finance service of _.A.factoringB.hire purchaseC.leasingD.installment credit答案:C問(wèn)題:8. A rise in interest rate will cause _.A.a

27、n increase in borrowing and a slowing - down of credit creationB.a decrease in borrowing and an increase in credit creationC.an increase in borrowing and an increase in credit creationD.a decrease in borrowing and a decrease in credit creation答案:D問(wèn)題:9. There are three ways in which a banker may take

28、 security for an advance: (1) lien (2) by pledge (3) by mortgage (4) by indemnity A.(1), (2), (3)B.(1), (2), (4)C.(2), (3), (4)D.(1), (3), (4)答案:A問(wèn)題:10. International payments and other messages are often sent through an international computer network called _.A.CHAPSB.SWIFTC.CHIPSD.CHATS答案:B三、完型填空

29、accept , discount, against, dishonoured, attached , hypothecation, credit, draw, ownership, amount When a Letter of Credit has been confirmed, the agent bank in the sellers country usually asks for the shipping documents, and often corite to the seller to say that they are willing to 1 a draft on th

30、em for the 2 . This draft (another name for Bill of Exchange) is often 3 to the shipping documents and is called a Documentary Bill of Exchange. Banks often state that the seller can 4 on them for the amount of the Credit. A buyer or his bank may ask the seller if he is willing to allow them a perio

31、d of 30, 60, or 90 days to pay. They may write. can you present your drafts for 60 d/s? this is a form of 5 and allows the buyer time to pay. The agent bank will normally accept a draft 6 documents, because they need them to make sure that the title to 7 has been transferred. Some times the bank dem

32、ands a letter of 8 so that they have the right to sell the goods if the Bill of Exchange is 9 , that is, if the buyer or his bank do not pay. This does not apply to irrevocable documentary credit. However, the bank can 10 the Bill of Exchange by deducting the interest for the period the draft has to

33、 go before maturity. 1.答案: draw2.答案: amount3.答案: attached4.答案: accept5.答案: hypothecation6.答案: against7.答案: ownership8.答案: credit9.答案: dishonoured10.答案: discount四、閱讀理解 A note receivable is a negotiable instrument, which means it is readily transferable from one business or person to another and may b

34、e sold for cash. To get cash quickly, payees sometimes sell a note receivable to another party before the note matures. The payee endorses the note and hands it over to the note purchaser-often a bank-who collects the maturity value of the note at the maturity date. Selling a note receivable before

35、maturity is called discounting a note receivable because the payee of the note receives less than its maturity value. This lower price decreases the amount of interest revenue the payee earns on the note. Giving up some of this interest is the price the payee is willing to pay for the convenience of

36、 receiving cash early. Assume that the maturity date of the Dorman note is January 18, 1995 and that General Electric discounts the Dorman note at First City National Bank on December 9, 1994. The discount period-which is the number of days from the date of discounting to the date of maturity (this

37、is the period the bank will hold the note) - is 40 days; 22 days in December, and 18 days in January. Assume the bank applies a 12 percent annual interest rate in computing the discount value of the note. The bank will want to use a discount rate that is higher than the interest rate on the note in

38、order to increase its earnings. GE may be willing to accept this higher rate in order to get cash quickly. The discounted value, called the proceeds, is the amount that GE receives from the bank. The proceeds are computed as follows: General Electrics entry to record discounting the note is: Dec. 9,

39、 1994cash $ 15 170 Note receivable Dorman Builders $ 15 000 Interest Revenue $ 170 TO RECORD DISCOUNTING NOTE RECEIVABLE At maturity the bank collects 15 375 from the maker of the note, earning 205 of interest revenue. Observe two points in the above computation: (1) The discounting is computed on t

40、he maturity value of the note (principal plus interest) rather than on the original principal amount, and (2) the discounting period extends backwards from the maturity date (January 18, 1995) to the date of discounting (December 9, 1994). 1. What is a note receivable?A.It is a note received by a pa

41、yer.B.It is paper currency paid for documents as well as notes.C.It is a negotiable instrument which may be used to transfer funds from one person to another.D.It is a negotiable instrument which may be transferable from one person to another.答案:D2. What does a payee have to do when he discounts a n

42、ote receivable with a bank?A.He has to collect the maturity value of the note on the discounting date.B.He has to endorse the note.C.He has to sell it to the note purchaser.D.He has to get cash quickly.答案:B3. What is called discounting a note receivable?A.Purchasing a note receivable.B.Receiving les

43、s money than the principal amount of the note.C.Selling a note receivable before maturity.D.Giving up some of tile interest revenue of the note.答案:C4. How is discounting period calculated?A.From December 9, 1994 to January 18, 1995.B.The discounting period begins with the date of making the note and

44、 end with date of selling it to the note purchaser.C.The number of the days is calculated from the date of discounting to the date of maturity.D.The days of discounting period involve the discounting date and the maturity date.答案:C5. How much interest revenue does General Electric receive in discoun

45、ting the note receivable?A.15 000B.15 170C.15 357D.170答案:D What determines the rate of exchange between currencies will be examined later in this booklet, but first it is useful to consider the mechanics of international transactions. To enable a UK importer to pay his American supplier, for example

46、, the facilities of two or more banks are used, firstly in handling the often complex documentation and secondly, through the foreign exchange market, in obtaining the currency required. At one time payments to and from other countries were made by bills of exchange; hence in part the term exchange

47、rate, which was maintained even though other methods of payment have largely superseded the bill of exchange. The British importer will probably need to pay his American supplier in dollars and his British bank can offer him several alternative methods of settlement. It can provide him with a banker

48、s draft drawn in dollars. The bank is able to do this because it will have an account with another bank (called a correspondent bank) in an American city and it simply issues a dollar cheque or draft drawn on that account. The British importer can then send this draft by airmail to the supplier. Sin

49、ce there is a danger that the draft may be lost or fall into the wrong hands the safer and more normal method would be for the British bank to arrange for payment by mail transfer. Instructions are sent by airmail to the correspondent bank in the US to pay on behalf of its customer the required sum

50、to the named recipient from the British banks dollar account. This mail transfer system is very flexible since the instructions for payment can be varied or elaborated to suit practically every kind of requirement. 6. How many methods of settlement are mentioned in this passage when the British impo

51、rter needs dollar to pay his Americans supplier?A.Two.B.Three.C.One.D.Several.答案:B7. Why is the British bank able to offer its customer a bankers draft drawn in dollar?A.Its US correspondent bank prefers to make the payment.B.It will send dollar in cash by airmail.C.It has a dollar account with anot

52、her bank in an American city where the beneficiary lives.D.Its customer has a dollar account with it.答案:C8. What will the correspondent bank do in the settlement according to this passage?A.It will make payment in dollars against the bankers draft.B.It will send the draft to the bank in Britain.C.It

53、 will issue a documentary credit.D.It will have an agreement with the bank mentioned.答案:A9. What is the safer and more normal method for the importers bank to effect the settlement?A.To issue a bankers draft.B.To arrange for payment by mail transfer.C.To make the payment to its correspondent bank.D.

54、To ask the importer to pay the money on his dollar account.答案:B10. Who is the recipient in the settlement?A.The correspondent bank.B.The British bank.C.The British importer.D.The American supplier.答案:D五、英釋漢問(wèn)題:1. Bancassurance refers to the sale of insurance products through bank distribution.答案: 銀行保

55、險(xiǎn)是指在銀行的網(wǎng)點(diǎn)銷售保險(xiǎn)產(chǎn)品。問(wèn)題:2. Commodity futures refer to contracts to supply quantities of the underlying commodity at a future date.答案: 商品期貨是指在未來(lái)某一日期提供大量基礎(chǔ)商品的合約。六、判斷正誤 There are two general ways in which the term market is used in economics. First, a market is thought of as a formal or informal organizatio

56、n of buyers and sellers who conduct trades in particular commodities or services. The market may be located at a geographical meeting place, such as your friendly neighborhood bookstore or shopping center (a retail market). A market may be organized over wide areas connected through phones or computer terminals. Although the trading room of the New York Stock Exchange is located in New York City, buyers and sellers who actively participate in this marke