[語言類考試復(fù)習(xí)資料大全]初級銀行綜合類模擬(聽力部分暫無答案14

1、書山有路勤為徑，學(xué)海無涯苦作舟。祝愿天下莘莘學(xué)子：學(xué)業(yè)有成，金榜題名！語言類考試復(fù)習(xí)資料大全初級銀行綜合類模擬(聽力部分暫無答案14初級銀行綜合類模擬(聽力部分暫無答案14一、聽力題Directions: 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

2、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聽力錄音請搜索標(biāo)題名) 1.A.Spot rate + dealing commission.B.The same as the spot rate.C.Spot rate + premium or discount.D.Spot rate + bank charge.答案:

3、解析What is a forward rate in foreign exchange dealing?2.A.On Sundays this bank is open till 4: 00 p. m.B.On Sundays this bank is open till 4: 30 p. m.C.On Sundays this bank is closed at 4: 30 p. m.D.On Saturdays this bank opens at the usual time.答案:解析This bank opens at 8: 30 a. m. and closes at4: 30

4、p. m. , Monday through Friday, but on Saturdays and Sundays it opens an hour later and closes half an hour earlier.3.A.VISA Card, Access, American Express and Diners Card are all credits.B.Credit cards are the same thing as charge cards.C.Another name for credit card is charge card.D.American Expres

5、s is not credit card in the real sense.答案:解析Credit cards, such as British Visa, Access, should not be confused with charge cards like American Express and Diners Cards.4.A.USD 3 674 596.09B.USD 3 674 593.01C.USD 3 674 596.09D.USD 3 374 593.09答案:解析The balance of your account this month is three milli

6、on six hundred seventy-four thousand five hundred ninety-three point zero one US dollars.5.A.Due from banksB.Due to banksC.Accounts Receivable答案:解析The interest receivable from other banks should be posted into (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 6.A.The collecting bank is the bank at the sellers country.B.The coll

7、ecting bank acts only as an agent for the remitting bank.C.The collecting bank knows the buyer very well.D.The collecting bank noticed that the draft and the document were received.答案:解析Acting as an agent for the remitting bank, the collecting bank notifies the buyer upon receipt of the draft and th

8、e documents.7.A.We usually pay a visit to that bank.B.We usually write to that bank for permission.C.We exchange some staff each other.D.We exchange the control document and test keys.答案:解析Basically, what do we do if we establish a correspondent relationship with a foreign bank?8.A.This company is w

9、orth of financing.B.This company is highly rated in credit status.C.This company is rated lower in credit standing.D.This company runs a greater risk to make loans.答案:解析This company is a speculative grade. You will run a greater risk to make a loan facility to it.9.A.two separate spot transactionsB.

10、one spot and the other forward transactionC.a one month swapD.the call option答案:解析In spot dealing, you buy US dollar against Japanese Yen and a month later you buy back the Yen against the dollar. Youre doing _10.A.Youre required to secure the money you borrowed.B.Youre required to show your credit

11、rating.C.Youre required to offer a security for a loan from bank.D.Youre required to improve the security.答案:解析A security is required if you want to borrow money from bank.二、單項(xiàng)選擇問題:1. The word finance signifies capital in monetary, that is, _, normally for capital purposes, through financial markets

12、 or financial institutions.A.in the way of capitalsB.in the form of funds lent or borrowedC.in the method of fundsD.on the form of funds lent or borrowed答案:B問題:2. A financial market consists of foreign exchange market, money market, bond market and equity market. The last two markets usually fall in

13、to the category of _.A.preferred stock market or liquidation marketB.stock market or debt marketC.securities market or capital marketD.securities market or liquidation market答案:C問題:3. _ relates to the liability of the issuing bank, whereas _ relates to the responsibility of the correspondent bank or

14、 other banks.A.Revocable or inrevocable, unconfirmed or confirmedB.Cancelled or cancellate, confirmative or confirmedC.Revocable or inrevocable, confirmative or confirmedD.Cancelled or incancelled, unconfirmed or confirmative答案:A問題:4. A documentary collection can be defined as the collection of a su

15、m due from a buyer by a bank _ against delivery of certain documents.A.acting on behalf of a buyerB.behaving on behalf of an exporterC.acting on behalf of an importerD.acting on behalf of a seller答案:D問題:5. A forward exchange rate can move for two reasons: (1) because the spot rate moves, and _.A.bec

16、ause of changes in interest rate which affect the forward ratesB.because of changes in interest rate which affect the forward differentialC.for the changes in interest rate affect the forward ratesD.because of changes in interest rate which affect the spot rates答案:B問題:6. Government - to - government

17、 bilateral loans are generally in the form of grants or credits with very low interest rates and long maturities. The closest meaning of bilateral is _.A.bilingualB.bilabialC.a double sideD.biped答案:C問題:7. The international payments system of the buyers country is not being hampered by exchange contr

18、ols. The word hamper means _.A.hinderB.put offC.postponeD.hold up答案:A問題:8. If the components _ delivered earlier we might have been able to start work on time.A.might have beenB.wereC.had beenD.were to答案:C問題:9. The number of orders went up _ we increased our prices by 15%.A.whenB.althoughC.becauseD.

19、since答案:B問題:10. When a commercial bank which was established _ is found to have its ratios of assets and liabilities at variance with the stipulations within a designated time limit.A.superior to the promulgating of this lawB.inferior to the promulgation of this lawC.priority to the promulgation of

20、this lawD.prior to the promulgation of this law答案:D三、完型填空 Required, honour, dispatched, resulted, received, irrevocable, release, declared, prepared, handed Goods should not be 1 direct to address of a bank or consigned to a bank without prior agreement on the part of that bank. In the event of good

21、s being dispatched direct to the address of a bank or consigned to a bank for delivery to a drawee against payment or acceptance or upon other terms without prior agreement on the part of that bank, the bank has no obligation to take delivery of the goods, which remain at the risk and responsibility

22、 of the party dispatching the goods. In practice, great careis 2 when goods ale consigned to the bank as large losses have 3 from incorrect procedures being followed. Quite often, goods consigned to the bank will arrive by air before the supporting documents have been 4 . At this stage we will have

23、little indication of the value of the collection other than the 5 value of the goods for customs purposes. It is therefore important that a letter of 6 is only 7 to the drawee who is undoubted and is 8 to sign an 9 undertaking to 10 the documents upon presentation regardless of the terms of those do

24、cuments. 1.答案: despatched2.答案: required3.答案: resulted4.答案: received5.答案: declared6.答案: release7.答案: handed8.答案: prepared9.答案: irrevocable10.答案: honour四、閱讀理解 The balance of payments is a statistical record of all the economic transaction between residents of the reporting country and residents of the

25、 rest of the world during a given time period. The usual reporting period for all the statistics included in the accounts is a year. A good or bad set of figures can have an influential effect on the exchange rate and can lead policy makers to change the content of their economic policies. Deficits

26、may lead to the government raising interest rate or reducing public expenditure to reduce expenditure on imports. Alternatively, deficits may lead to calls for protection against foreign imports or capital controls to defend the exchange rate. A key definition that needs to be resolved at the outset

27、 is that of a domestic and foreign resident. It is important to note that citizenship and residency are not necessarily the same thing from the viewpoint of the balance of payments statistics. The term residents comprises individuals, households, firms and the public authorities. There are some prob

28、lems that arise with respect to the definition of a resident. Multinational corporations are by definition resident in more than one country. For the purposes of balance - of - payments reporting the subsidiaries of a multinational are treated as being a resident in the country in which they are loc

29、ated even if their shares are actually owned by domestic residents. Another problem concerns the treatment of international organizations such as the International Monetary Fund, the World Bank, United Nations and so forth. These institutions are treated as being foreign residents even though they m

30、ay actually be located in the reporting country. For example although the International Monetary Fund is located in Washington, contributions by the US government to the Fund are included in the US balance -of-payments statistics because they are regarded as transactions with a foreign resident. Tou

31、rists are regarded as being foreign residents if they stay in the reporting country for less than a year. The criterion for a transaction to be included in the balance of payments is that it must involve a transaction between a resident of the reporting country and a resident from the rest of the wo

32、rld. Purchases and sales between residents from the same country are excluded. 1. What is the balance of payments?A.The balance of payments is a digital table of all the economic transactions between residents of the reporting country and residents of the rest of the world during a given time period

33、.B.The balance of payments is a figured table of all the economic transactions between residents of the reporting country and residents of the rest of the world during a given time period.C.The balance of payments is a statistical record of all the economic transactions between residents of the repo

34、rting country and residents of the rest of the world during a given time period.D.The balance of payments is a digital record of all the economic transactions between residents of the reporting country and residents of the rest of the world during a given time period.答案:C2. It is important to note t

35、hat _.A.citizenship and residency are the same thing from the viewpoint of the balance of payments statisticsB.citizenship and residency are almost the same thing from the viewpoint of the balance of payments statisticsC.citizenship and residency are indeed the same thing from the viewpoint of the b

36、alance of payments statisticsD.citizenship and residency are not necessarily the same thing from the viewpoint of the balance of payments statistics答案:D3. Which of the following statements is tree?A.Deficits may lead government to reduce interest rate.B.Deficits may lead government to raise expendit

37、ure on imports.C.Surplus may lead government to stimulate imports from foreign counties.D.Surplus may lead government to reduce expenditure on imports.答案:C4. Which of the following transactions is not included in Chinese balance of payments?A.Bond transaction with Citibank.B.Service transaction betw

38、een local enterprise and Sino -foreign joint company incorporated in China.C.Capital inflow to Beijing subsidiary of Swiss multinationals.D.Loan from IMF.答案:B5. What is the alternative name for the World Bank?A.International Bank for Reconstruction and Development.B.International Finance Corporation

39、.C.International Development Association.D.International Settlement Bank.答案:A A Red Clause Documentary Credit is a Documentary Credit with a special condition incorporated into it that authorizes the Confirming Bank or any other Nominated Bank to make advances to the Beneficiary before presentation

40、of the documents. The clause is incorporated at the specific request of the Applicant, and the wording is de- pendent upon his requirements. The Red Clause Documentary Credit is so called because the clause was originally written in red ink to draw attention to the unique nature of this Documentary

41、Credit. The clause specifies the amount of the advance authorized, which, in some in- stances, may be for the full amount of the Documentary Credit. The Red Clause Documentary Credit is often used as a method of providing the seller with funds prior to shipment. Therefore, it is of value to middleme

42、n and dealers in areas of commerce that require to a form of pre - financing and when a buyer would be willing to make special concessions of this nature. For example, it could be used by a wool importer in England to enable a wool shipper in Australia to obtain funds to pay the actual suppliers (ei

43、ther by direct purchase or through the wool auctions) by obtaining a loan from the Australian bank, either on an unsecured basis or against the security of interim documents. This would enable repayment of the loan, plus interest, from the proceeds due to the Australian Beneficiary when the wool was

44、 shipped and documents were presented in accordance with the terms of the Documentary Credit. If, however, the Beneficiary failed to ship the wool so as to repay the loan by presenting documents called for by the Documentary Credit, the Australian bank would have the right to demand repayment, with

45、interest, from the Issuing Bank and that bank would have a similar right of recourse against the Applicant. This kind of arrangement places the onus of final repayment on the applicant, who would be liable for repayment of the advances if the Beneficiary failed to present the documents called for un

46、der the Documentary Credit, and who would also be liable for all costs-such as interest or foreign exchange hedging- incurred by the Issuing Bank, the Confirming Bank, if any, or any other Nominated Bank. 6. What does a Red Clause Documentary Credit mean?A.It is a kind of Documentary Credit with a s

47、pecial condition incorporated into it that authorizes the Confirming Bank to make loans to the sellers prior to shipment.B.It is a Documentary Credit without recourse as a Confirming Bank to the Issuing Bank, which clearly did not request or authorizes the bank to add its confirmation.C.It is a Docu

48、mentary Credit with a special condition incorporate into it that authorizes the Confirming Bank or any other Nominated Bank to provide the Beneficiary with funds before presentation of the documents.D.It is a Documentary Credit that may provide for automatic reinstatement immediately upon presentati

49、on of the specified documents.答案:C7. Why was the Red Clause Documentary Credit written in red ink?A.Because it can analyse the nature of the Documentary Credit.B.Because it has the effect of the Documentary Credit.C.Because it can draw attention to the unique nature of the Documentary Credit.D.Becau

50、se it can make people believe the nature of the Documentary.答案:C8. How is the Red Clause Documentary Credit used?A.It is often used as a means of supplying the seller with funds before shipment.B.It is served as a way of providing the seller for funds prior to shipment.C.It is often used for the met

51、hod of providing the seller for funds prior to shipment.D.It is often used as a means of supplying the seller for funds before shipment.答案:A9. What would the Australian bank do, if the Beneficiary failed to ship the wool so as to re- pay the loan by presenting documents?A.The Australian bank will ha

52、ve had the right to demand repayment, with interest, from the Issuing Bank.B.The Australian bank would have been entitled to demand repayment, with interest, from the Issuing Bank.C.The Australian bank would have had the right to demand repayment, with interest, from the Issuing Bank.D.The Australia

53、n bank would be entitled to demand repayment, with interest, from the Issuing Bank.答案:D10. What function does a Red Clause Documentary Credit have?A.It puts the liability of repayment on the Applicant.B.It places the liability of final repayment on the Applicant.C.It has the responsibility of final

54、repayment at the Applicant.D.It takes the responsibility of final repayment at the Applicant.答案:B五、英釋漢問題:1. Because insurance contracts are complicated, they must be approved by the regulatory authorities to ensure that the insurance - buying public will not be mistreated as a result of un- fair pro

55、visions.答案:因?yàn)楸ｋU合同很復(fù)雜，監(jiān)管當(dāng)局必須先審批以保證購買保險的公眾不會因?yàn)椴焕臈l款而受損。問題:2. Increasingly globally integrated financial markets pose significant challenges to the regulation of securities and futures market.答案:日益在全球范圍整合的金融市場給金融市場的監(jiān)管帶來了巨大的挑戰(zhàn)。六、判斷正誤 Many people have two accounts in a bank, A savings account and a check

56、ing account. When people deposit money in a savings account, it earns interest. They can withdraw their savings at any time, unless it is a special notice account. A special notice account earns higher interest, but you must give the bank 90 days notice before withdrawing money from it. People use c

57、hecking accounts for convenience. They deposit some money and write checks when they want to pay bills. This way they do not have to send cash through the mail. They do not have to carry a lot of cash with them, for they can write a check instead. At the end of the month, the bank returns the checks they have written and have been cashed. The b