中国人民银行校园招聘英语类模拟试题.docx

中国人民银行校园招聘英语类模拟试题.docx

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中国人民银行校园招聘英语类模拟试题

中国人民银行校园招聘英语类模拟试题4

PartTwoReadingSectionone（10%）

Directions:

Therearetenstatementsinthissection.ForeachstatementtherearefourchoicesmarkedA,B,CandD,youshouldchoosethebestanswerandmarkthecorrespondingletterontheANSWERSHEETbydrawingasinglelinethroughthecenter.

31.Whenthecollectingbankreceivesfromthepresentingbankthedocumentsforcollecting,it

A.shouldexaminealldocumentstoascertainwhetherornottheyappear,orontheirface,tobeincompliancewiththem.

B.mayexamineeitherthedocumentsortheinstructionstocollecttheproceeds

C.willexaminedocumentsinordertoobtaininstructions

D.willnotexaminedocumentsinordertoobtaininstructions

32.Acreditmaybeadvisedtoabeneficiarythroughanotherban（theadvisingbank）withoutengagementonthepartoftheadvisingbank,butthatbank,ifitelectstoadvisethecredit.Shall

A.informtheissuingbankofthecreditwhichitadviseswithoutdelay.

B.endorsetheamountnegotiatedonthereverseofthecreditwhichitadvises.

C.addhisconfirmationtothecreditwhichitadvises.

D.takereasonablecaretochecktheapparentauthenticityofthecreditwhichitadvises.

33.Applicants,attimes,requesttheissuingbanktoissuethedocumentarycreditcontainingexcessivedetailsforthebeneficiarytocomplywithunderthedocumentarycredit.Banksshould

A.encouragethisattemptB.discouragethisattemptC.rejectthisattemptD.becompelledtodoso

34.Thepurchaserofadraftdrawn/documentspresentedunderastraightdocumentarycreditonlyhastheright

A.toprotesttheissuingbankB.topresentthedrafts/documentsonbehalfofthebeneficiary

C.topurchasethebeneficiary’sdrafts/documentsD.topresentthedraft/documentsbyhimself

35.UnderD/P.allthedocuments,andusuallytitletothegoods,arereleasedtothebuyerupon

A.hisacceptanceofthedraftforpaymentataspecifiedlaterdate

B.hispaymentoftheamountspecifiedunderreserve

C.hispartialpaymentofthebillamount

D.hispaymentoftheamountspecified

36.TheminimumregisteredcapitalfortheestablishmentofacommercialbankshallbeRMByuan.

A.10millionB.100millionC.1billionD.10billion

37.Theratioofliquidassetstoliquidliabilitiesofacommercialbankshallnotfallshortofpercent.

A.25.B.8C.75D.10

38.Ifwehaveaquoteof1.4950/1.4960for$/DM,

A.thefirstrateisthebuyingrateforthedollarB.thefirstrateisthebuyingratefortheDM

C.thesecondrateisthebuyingrateforthedollarD.thesecondrateisthesellingratefortheDM.

39.Theexportationofdomesticcurrencyislimitedtoperpersonperexit

A.RMB5,000yuanB.RMB6,000yuanC.RMB4,000yuanD.RMB10,000yuan

40.Abank’sliquidassetsincludefollowingitemsexcept

A.notes,coinsandbullionB.currentbalanceswithcentralandotherbanks

C.moneyatcallandshortnoticeD.bank’spremises

SectionTwo（10%）

Directions:

Thereare10blanksinthefollowingpassages,ForeachblanktherearefourchoicesmarkedA,B,CandD.YoushouldchoosethebestanswerandmarkthecorrespondingletterontheANSWERSHEETbydrawingasinglelinethroughthecenter.

Passage1

Thebank41borrowersenoughinteresttopaytheexpenseofthebankandhavesomethingleftoverfor42.Theinterestcannotbehigherthanthelegalate,whichisestablishedbystatelawandinmoststatesis6%peryear,43bigloans,theinterestrateismuchless,evenaslowas2%,Thefatedependsonthemoneymarket,Whenthereisplentyofmoney44tobeborrowed,bankschargelowratesofinterest.Asavingsbankmaypayitsdepositors2%andlendthemoneyat3.5%or4%.Butwhenmoneyistight,interestratesgoup,andasavingsbankmaytryto45depositorsbyoffering4%or4.5%orevenmoreadlendingthemoneyat5%or6%.

41.A.receivesB.getsC.chargesD.pays

42.A.profitB.interestC.surplusD.income

43.A.IncaseofB.InthecaseofC.InconsequenceofD.Inconjunctionwith

44.A.availableB.costlyC.adaptableD.receivable

45.A.absorbB.attractC.mobilizeD.Channel

Passage2

Ifapayingbanrequestsareceivingbanktoreturnoradjustapaymentbymeansof46orbymeansofmosttypesofelectronictransmission,butdoesnotissuethe47inconnection48itsrequestortherequestsays“Noindemnity”,thepayingbankshallnotbeliabletothereceivingbankforanylossandexpense,49reasonableattorney’sfees,incurredythereceivingbankastheresultofitsreturnoradjustmentofthe50.

46.A.telexB.letterC.telephoneD.SWIFT

47.A.letterofcreditB.indemnityC.guaranteeD.billofexchange

48.A.ofB.withC.forD.to

49.A.besideB.exceptC.includingD.excluding

50.A.creditB.paymentC.proceedsD.expenses

SectionThree（10%）

Directions:

Readthefollowingpassages,anddeterminewhetherthesentencesare“Right”or“Wrong”,Ifthereisnotenoughinformationtoanswer“Right”or“Wrong”,choose“Doesn’tsay”,ThenmarkthecorrespondingletterontheANSWERSHEETbydrawingasinglelinethroughthecenter.

Passage1

Oneofthemostimportantfunctionsoftheaccountingprocessistoaccumulateandreportaccountinginformationthatshowsanorganization’sfinancialpositionandtheresultsofitsoperations,Manybusinessespublishsuchfinancialstatementsatleastannually,Thesubdivisionoftheaccountingprocessthatproducesthesegeneral-purposereportsisreferredtoasfinancialaccounting.Anothermajorfunctionofaccountingistoprovidemanagementwiththedataneededfordecision-makingandforefficientoperationofthefirm.

Althoughmanagementpeopleroutinelyreceivethefinancialreports,theyalsorequirevariousotherinformation,suchastheunitcostofaproduct,estimatesoftheprofitearnedfromaspecificsalesactivity,costcomparisonsofalternativecoursesofactionandlong-rangebudgets.Theprocessofgeneratingandanalyzingsuchdataisoftenreferredtoasmanagerialaccounting.

51.Thepurposeofmanagerialaccountingistopreparefinancialstatementseveryyear.

A.RightB.WrongC.Doesn’tsay

52.Financialstatementsincludebalancesheet,incomestatementandcashflowstatement.

A.RightB.WrongC.Doesn’tsay

53.Financialstatementsareusedonlybytheoutsidersofafirm.

A.RightB.WrongC.Doesn’tsay

54.Themanagementofafirmneedstousetheresultsofbothfinancialaccountingaswellasmanagerialaccounting.

A.RightB.WrongC.Doesn’tsay

Passage2

Assetsaretheeconomicresourcesofthebusinessthatcanbeusefullyexpressedinmonetaryterms,Liabilities,orcreditor’sequity,aretheobligations,ordebts,thatthefirmmustpayinmoneyorservicesatsometimeinthefuture.Theythereforerepresentcreditor’sclaimsontheassetsofthefirm.Theowner’sinterestisequaltothenetassetsofthebusiness,whichisdefinedasthedifferencebetweentheassetsandliabilities.Thus,owner’sequityistheresidualclaim-aclaimtotheassetsremainingafterthedebttocreditorshasbeendischarged.

55.Assetsandliabilitiesofafirmarebothshownonthefirm’sbalancesheet.

A.RightB.WrongC.Doesn’tsay

56.Theequityamountofabalancesheetisthecreditor’s,claimsonthefirm.

A.RightB.WrongC.Doesn’tsay

57.Expensesofafirmshouldbeshownonthefirm’sincomestatement.

A.RightB.WrongC.Doesn’tsay

Passage3

Fromthebank’spointofview,leverageratiosvaryfromconservative（highestcalculatedleverage）toliberal（lowestcalculatedleverage）Themostconservativeleveragerationsshowthemostdebtandleastnetworth,Therefore,thetotalliabilities/tangiblenetworthratiowillproducethehighestleverageandthusbethemostconservativebecauseallliabilitiesareincluded.Onthenetworthside,equityhasbeenreducedbytheintangibleassetsonthebalancesheet,Intangibleassetsdonotnecessarilyyieldcash,soitismoreconservativetosubtracttheseassetsfromnetworth,Conversely,theseniorliabilities/capitalfundsratiowouldshowlessleveragebecauseonlyseniorliabilitiesareshownasdebt,andnetworthbasbeenaugmentedbytheamountsofsubordinateddebtoutstanding.

58.Financialleveragereferstohowmuchmoneyafirmusesforassets.

A.RightB.WrongC.Doesn’tsay

59.Conservativeleverageratiomeansusingthemostdebtandleastnetworthincalculatingleverage.

A.RightB.WrongC.Doesn’tsay

60.Fromthebank’spointofview,aliberalleveragecalculationisbetter.

A.RightB.WrongC.Doesn’tsay

SectionFour（20%）

Directions:

Thereare4passagesinthesection,Eachpassageisfollowedbysomequestionsorunfinishedstatements,ForeachofthemtherearefourchoicesmarkedA,B,CandD,correspondingletterontheANSWERSHEETbydrawingasinglelinethroughthecenter.

Passage1

Whenasavingsaccountisopenedinabank,thedepositormustsignadepositagreement,Bysigningtheagreement,thedepositoragreestoabidebytherulesandregulationsofthebank.Theserulesandregulationsvarywithdifferentbanksandmaybealteredandamendedfromtimetotime.Atthistime,apassbookmaybegiventothedepositor,Thisisasmallbookinwhichthebanktellerentersthedateandamountofeachdepositorwithdrawalandinitialstheentry,Thepassbookistobepresentedatthebankormailedtothebankalongwithadepositorwithdrawalslipeachtimemoneyisdepositedorwithdrawnfromtheaccount.Analternativepracticefordepositingorwithdrawingmoneyfromasavingsaccountistogivethedepositorasmallregisterforrecordingdepositsandwithdrawalsandapadofdeposit-withdrawalforms,Thisprocedureeliminatestheuseofthepassbook.Eachtimeadeposito