金融英语模拟题3.docx

金融英语模拟题3.docx

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金融英语模拟题3

Test3

PartOne　　　　　　　　　Listening

SectionOne（10%）

Directions:

Inthissectionyouwillhearl0shortstatements.Eachstatementwillbespokenonlyonce.Aftereachstatementtherewillbeapause.Duringthepause,youmustreadthefoursuggestedanswersmarkeda,b,candd,anddecidewhichisthebestanswer.

Nowyouwillheartheexample:

　　ShewenttothebankwithMr.Smith.

Youwillread:

　　A.Shewenthome.　　　　　　C.Shewenttothebank.

　　B.ShelikedMr.smith.　　　　　D.ShewenttoMr.Smith'shouse.

　　StatementC."Shewenttothebank"istheclosestinmeaningtothestatement"ShewenttothebankwithMr.Smith."Therefore,youshouldchooseanswerC.Nowlistentothestatements.

1.A.Thecompanyisworthoffinancing.

B.Thiscompanyishighlyratedincreditstatus.

C.Thiscompanyisratedlowerincreditstanding.

D.Thiscompanyrunsagreaterrisktomakeloans.

2.A.VisaCard,Access,AmericanExpressandDiner'sCardare

allcredits.

B.Creditcardsarethesamethingaschargecards.

C.Anothernameforcreditcardischargecard.

D.AmericanExpressisnotcreditcardintherealsense.

3.A.Twoseparatespottransactions

B.Onespotandtheotherforwardtransaction

C.a"onemonthswap"

D.thecalloption

4.4.A.USD3657897.05

B.USD3576987.06

C.USD3567897.05

D.USD3657879.06

5.5.A.Surplusincrease

B.deficitincreas

C.noeffect

D.alloftheabove

.6.A.Theywanttoclosetheiraccountsinthebank.

B.Thebankmightclosetheircurrentaccounts.

C.Thecustomers'overdrawnaccountsmustbeclosed.

D.Thebankclosedtheiroverdrawnaccounts.

7.A.Theiroperationsmustbebrisk.

B.Theyhavealargeprofitfortheyear'soperations.

C.Therehasbeenalargedeficitintheyear.

D.Theyanticipateagreatexcessofdebtsoverincome

fortheyear'soperations.

8..A.CHAPSB.SWIFTC.CHIPSD.CHATS

9..A.Thecheckisoutofdate.

B.Thecheckispost-dated.

C.Thecheckisintoolargeamount.

D.Thecheckisacrossedone.

10.A.Ifaremittingbankcannottakepropercareincollection,

theexporterwilldoithimself.

B.Ifaremittingbankcannotfulfillitsobligationincollection,

theexporterwillclaimindemnityonit.

C.Ifaremittingbankcannottakepropercareincollection,

itwillloseacustomer.

D.Ifaremittingbankcannotfulfillitsobligationincollection,

Itwillcauselosstotheexporter.

SectionTwo（10%）

　　Directions:

Inthissection,youwillhearl0shortconversations.Attheendofeachconversationaquestionwillbeaskedaboutwhatwassaid.Theconversationsandquestionswillbespokenonlyonce.DuringthePause,youmustreadthefoursuggestedanswersmarkeda,b,c,andd,anddecidewhichisthebestanswer.

Nowyouwillhear:

M:

DoesourbankhaveadirectcorrespondentrelationshipwiththeBradalys'Bank?

W:

No,wedon't.SowehavetoadvisethisL/Cviaanotherbank.

Q:

Whichofthefollowingisright?

Nowyouwillread:

　　A.WecanadvisethisL/CtotheBradlays'Bank.

　　B.TheBradlays'Bankisourcorrespondent.

　　C.TheL/Chastobeadvisedbyathirdbank.

　　D.WeshouldadvisethisL/Cbyourselves.

FromtheconversationweknowthatwehavetoadvisethisL/Cviaanotherbank.ThebestanswerisC.ThereforeyoushouldchooseanswerC.

11.A.9a.m.B.12noonC.3p.m.D.6p.m.

12A.January1,1999B.July1,1999C.January1,2002D.July1,2002

13.A.tochangepoundstoyuanB.tosendmoneytoLondon

C.togetapermitD.toknowtherateofexchange

14.A.peoplewhohassteadyincome

B.Peoplewhohasagoodworkrecord.

C.Peoplewhohasmuchmoney

D.Bothaandb

15.A.ofthehousevalue.B.ofthemortgagevalue.

C.ofthebank'sappraisedvalue.D.ofthedepreciatedvalue.

16.A.AlibrarianB.AprofessorC.AnaccountantD.Areporter

17.A.8875689B.8758679C.8756879D.8576789

18.A.studentandteacherB.employeeandbossC.customerandbroker

D.twobankclerks

19.A.AbouttheamountofRMBdepositedwiththebank.

B.AbouttherateofinterestforRMBdepositedwiththebank.

C.Aboutthetermsofdepositwiththebank.

D.Abouttheconditionsofdepositwiththebank.

20.A.Hegotacreditcardofhisfriendandcometoaskhowtouseit.

B.Hegotacardanddidnotknowwhosecarditis.

C.Hehaslosthiscreditcardandcometoaskwhattodo.

D.Hehasfoundacreditcardandcometoaskwhattodo

SectionThree（10%）

　　Directions:

Inthissection,youwillhear3shortpassages.Attheendofeachpassageyouwillsomequestionsaboutwhatwassaid.Thepassagesandquestionswillbespokenonlyonce.Duringthepause,youmustreadthefoursuggestedanswersmarkeda,b,c,andd,anddecidewhichisthebestanswer.

Questions21--23arebasedonpassage1

21A.JCBcardB.Diner'sClubC.VisacardD.Federal-Master

22.A.$590millionB.$16billionC.$590billionD.$16million

23.A.fromfeescollectedfromitscustomerswhopayfortheir

chargesinmonthlyinstallments.

B.fromfeescollectedfromthestoresthatacceptcreditcard

C.bychargingitscustomeryearlyfees

D.bychargingitscustomerforoverduepayment

Questions24-26arebasedonpassage2

24.A.Bankcardbusiness.B.Bankcardfraud.

C.Technologiesusedinbank.D.Internationalcardfraud.

25.A.680milliondollars

B.860milliondollars

C.680billiondollars

D.860billiondollars

26.A.It'sthesameoverthe10-yearperiod.

B.It'sgettingworseoverthe10-yearperiod.

C.It'sgettingbetteroverthe10-yearperiod.

D.Thereisnowaytosolvetheproblem.

Questions27-30arebasedonPassage3

27.A.acontractualagreementbetweenthebankerandtheclient.

B.Thecreditor-debtorrelationship.

C.Theprincipal-agentrelationship.

D.allofabove

28.A.Thosewhoborrowfundsfromthebank.

B.Thosewhodepositmoneywiththebank.

C.Thosewhohavebusinessdealingwiththebank.

D.Thosewhoarethecustomersofthebank.

29.A.Itactsasanagenttodowhateverthecustomerrequires.

B.Itactsasanagenttoprovideallkindsofservices.

C.Itactsasanagenttooffermanykindsofbanking

andfinancialservices.

D.Itactsasanagenttosellthecustomer'sproducts.

30.A.Payrollmanagement.B.Factoringservice.

C.Financialmanagement.D.Investmentadvices.

Parttwo　　　　　　　　　Reading

SectionOne（10%）

Directions:

Therearetenstatementsinthissection.ForeachstatementtherearefourchoicesmarkedA，B，C，D.Youshouldchoosethebestanswer.

31.BasleAccordissuedin1988dividesthecapitalofabankinto_______.

A.tieroneandtiertwoB.passandspecialmention

C.outstandingandexcellentD.standardandsubstandard

32.The'C'inCAMELSsystemrefersto_________.

A.capacityB.currencyC.capitalD.capability

33.Thedifferencebetweenthebuyingrateandsellingrateisknownasthe________.

A.spreadB.premiumC.discounttD.par

34.Theeconomicresourcesofabusinessarecalled________.

A.liabilityB.assetC.owner'sequityD.expenses

35.whichitemisnotamajorsectioninstatementofcashflows_________.

A.operatingactivityB.financingactivityC.repairingactiviy

　D.investmentactivity

36.Workingcapitalis__________.

A.owner'sequitylessliability

　B.currentassetlesscurrentliability

　C.assetpluscurrentliability

　D.long-termloanlesscurrentasset

37.Inrealestateloan,maximumamountofwhichis_______oftheproperty.

A.50%B.60%C.70%D.80%

38.___________isafinancialmarketinwhichsecuritiesthathavebeenpreviouslyissuedcanberesold.

A.AprimarymarketB.AsecondarymarketC.Anissuingmarket

　D.Thecapitalmarket.

39.Underthetransferredletterofcredit,_________istheaccountparty.

A.buyerB.middlemanC.sellerD.bank

40.Asinbusinessaccounting,thebalanceofpaymentsrecordsincreasesinassetsanddecreasesinliabilitiesas__________,anddecreasesinassetsandincreasesinliabilitiesas________.

A.debit;creditB.debits;creditsC.credit;debitD.credits;detits

SectionTwo（10%）

Directions:

Thereare10blanksinthefollowingpassages.ForeachblankstherearefourchoicesmarkedA,B,C,D.Youshouldchoosethebestanswer.

PassageOne

　　Banksare__41____lenderstobusinessandconsumerfinancecompaniesunderlineofcreditarrangements.Financecompaniesareananomalyinthattheypermanentlyrelyon__42____.Theysatisfytherestperiodrequirementsoflineofcreditborrowing_43_____rotatingfromonebanktoanother,_44_____onebank'sloanwithloanproceedsfromotherbanks.Largefinancecompanies___45_______significantlytocommercialpaperinrecentyearsandhavedramaticallyreducedtheirrelianceonbankloans.

41.A.majorB.minorC.keyD.important

42.A.short-termlendingsB.long-termlendings

　C.short-termborrowingsD.long-termborrowings

43.A.withB.atC.onD.by

44.A.payingforB.payingoffC.payingdownD.paying

45.A.havechangedB.changedC.haveshiftedD.shifted

PassageTwo

　　However,investorsexpectthefinancecompaniestohavebankcreditlines___46______theirissuesofcommercialpaperderivedfromafirm's_47_______cashflows,primarilyearnings.Loanproceedsaregenerallyusedforpermanentincreasesin___48______orforfixed-assetpurchases.Inapuretermloan,theproceedsaredisbursedallatonceorwithinashortperiodoftime___49______closingtheloanagreement.Termloansmaybesecuredorunsecured,dependingonthepurposeoftheborrowing.Inreality,termloansprovideintermediate-termcredit;maturitiesareusuallylimitedto__50_____andaremostlyinthetwotofive-yearrange.

46.A.insupportofB.insupportC.inorderD.inorderthat

47.A.flowingB.makingC.doingD.op