1、初级银行综合类-3(听力部分暂无答案)及答案解析(总分：100.00，做题时间：90 分钟)一、B听力题/B(总题数：2，分数：10.00)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 marked A, B, C and D,
2、 and decide which is the best answer. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center. （分数：5.00）A.Our publicity is dealt with by a professional company.B.A public relation problem arises.C.The public relation officer has a firm attitude in handling the pr
3、oblem.D.Our company will go public.A.We hope our funds can be increased.B.To get back the money is our hope.C.We hope our funds can be kept without danger.D.To make more profit is our hope.A.We would like to be paid for the stock.B.We would like to adapt ourselves to the present situation.C.Installm
4、ent is acceptable for the transactions at present.D.We would like to store our money here.A.Its a responsibility to calculate the invoice.B.Its a responsibility to accumulate the values.C.There will be a taxation on the invoices.D.There will be a taxation which will be calculated according to the am
5、ount on the invoice.A.Accountants have to understand the accounting data and reports.B.The international accounting is important.C.The translating of data and report is accountable.D.The responsibility of accountants is to translate the accounting data and reports.（分数：5.00）A.Please ask your London b
6、ank to hand out this.B.Please ask your subsidiary bank to do this.C.Please ask a similar London bank to deal with the problem.D.Please ask the bank in London which has a correspondent relationship with you to deal with the problem.A.The tax return is not shown in the income.B.The income is not accur
7、ate in taxation.C.The tax should be returned according to the income.D.The tax return is not in accordance with the income that should be taxed.A.The indicating machines need to be repaired in the future.B.All indicators explain the improvement of the future.C.Major indexes show a better near future
8、D.All the leaders gave advice on the future.A.Here is the discount window.B.The discount rate of the window dressing must be put in figures.C.We must reduce the price of the window dressing a lot.D.We buy the window dressing at a cheaper price.A.The plan of spending money sets us a standard.B.The p
9、lan of expending controls every aspect of our work.C.The budgetary authority has provided a lot of support.D.There should be specific budgetary controls.二、B单项选择 /B(总题数：10，分数：10.00)1.You have to pay high _ on an estate.（分数：1.00）A.A. trust funds B.B. taxes C.C. returns2.Under FOB terms the bill of lad
10、ing would state _.（分数：1.00）A.goods loaded on board freight paidB.goods loaded on board freight payable at destinationC.goods received for shipment freight paidD.goods received for shipment freight payable at destination3.The spot rate of United States dollars is 1.591.60; the three month premium is
11、0.500.45 cents. What is the rate at which a UK bank would buy dollars under a three -month fixed forward contract?（分数：1.00）A.1. 5945B.1. 5955C.1. 6045D.1. 60504.According to the Commercial Banking Law of our country the total sum of the working capital to be allocated to all branches shall not excee
12、d _ of the total capital of the commercial bank.（分数：1.00）A.50%B.40%C.60%D.70%5.In the U. S. , people must fill out their tax _ by April 15.（分数：1.00）A.A. returns B.B. appraisals C.C. bequests6.She _ 10 000 to charity in her will.（分数：1.00）A.A. audited B.B. settled C.C. bequeathed7.The _ will distribut
13、e the property of the deceased according to his last will and testament.（分数：1.00）A.A. heir B.B. executor C.C. returns8.From the point of view of a Chinese bank, _ is our banks account in the books of an overseas bank denominated in foreign currency.（分数：1.00）A.a vostro accountB.a nostro accountC.a mi
14、rror accountD.a record account9.My lawyer will _ my will.（分数：1.00）A.A. draw up B.B. name as C.C. probate10.There are four main methods of securing payment in international trade: (1) payment under documentary credit (2) open account (3) collection that is documents against payment or acceptance of a
15、 bill of exchange (4) payment in advance From an exporters point of view the order of preference is _.（分数：1.00）A.(1), (2), (3), (4)B.(4), (3), (1), (2)C.(4), (I), (3), (2)D.(2), (4), (1), (3)三、B完型填空/B(总题数：1，分数：20.00)abbreviations, overseas, addressee, efficient, punctuation, hyphenated, telegraphic,
16、 brief, minimum, urgentA telegram sent to another country is often called a U(21) /U When there is an U(22) /U message to give or a demand to make, the telegram is the quickest and most U(23) /U communication. It gives a U(24) /U message in the U(25) /U number of words, to reduce the cost.The langua
17、ge of telegrams is often difficult, as there is no U(26) /U with the exception of the word “STOP“. Recognized U(27) /U such as CIF, are also used but you must be careful to write signs which are recognized U(28) /U. There are various rules about the number of words. For example, U(29) /U words, such
18、 ms ready -made, are counted as one word.The name of the U(30) /U is included in the number of words.（分数：20.00）(1).（分数：2.00）填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_四、B阅读理解/B(总题数：2，分数：10.00)B Credit and credibility/BIn pursuit of a new source of profit, many of the entit
19、ies that call themselves banks have strayed far from the business of taking and safeguarding the publics deposits and running the payment system. Competition has forced banks to range so far, in so many directions and at such a lick that, perhaps for the first time since the days of Shylock, it is n
20、ecessary to stop to ask quite what is a bank.The gales of change will leave many banks looking different in form and substance from a decade ago. Banking is traditionally thought of as one business, not least of all by bankers. Yet, as Mr. Thomas Steiner of Mckinsey, a management consultancy, points
21、 out, it comprises around 150 different lines of business. There is little that is special about many of them. In future, plenty of these activities will be done by others, either instead of or as well as by banks. On the other side of the coin, many of the things that other financial institutions n
22、ow do will be- come the business of some banks. Banking will still be a principality in the kingdom of financial services, but its heartland will shrink. Outsiders will move in. Much of the native population will settle elsewhere. The bankers diaspora will be wide.Crossing the dividesThis change is
23、already seen in America, Europe and Japan. American and Japanese commercial banks are pushing their merchant banking as deeply into the securities business as they feel the regulators will let them get away with. Citicorp and J. P. Morgan have all been al- lowed to set up securities - underwriting a
24、ffiliates slipping through the Section 20 loophole of the legislation separating commercial and investment banking. The two businesses have become so interwoven that, as Mr. Dennis Weatherstone, president of J. P. Morgan, says, we really have to rip the fabric to separate the threads.For their part,
25、 investment banks and securities houses have become direct suppliers of credit to wide range of financial and non - financial customers. They offer investment products that are virtual substitutes for interest - earning demand deposits. They own and operate non - bank banks that give access to payme
26、nt systems. In short, they have become providers of services that commercial banks have traditionally offered. Though forbidden from commercial banking in their home market, American and Japanese investment banks and securities houses happily run such banking affiliates abroad.It is not only the bou
27、ndaries between the banking and securities industries that are becoming blurred. So are those with insurance and commerce. Bankers are becoming everyday occurrences. Japans Nippon Life joined the act in February by taking a 4% stake in Spains Banco Bilbao Vizcaya for 250m. At home, Japanese insurers
28、 already have affiliations with banks, through the web of cross - shareholdings of the big industrial groups. Americas third biggest re- tail stock broking firm, Pru - Bache, has dipped in the waters of banking by buying a small bank in Georgia and more recently a thrift. Everywhere ordinary commerc
29、ial firms are making deep insurance into financial services. Retailers and manufacturers own securities companies, insurance firms thrifts and non - bank banks. They offer a wide range of credit, investment - banking and insurance services, to companies and individuals alike.（分数：6.00）(1).What does t
30、he pronoun “themselves“ (line 2) refer to in the text?（分数：2.00）A.sourcesB.entitiesC.hanksD.companies(2).Which of the following statements is False according to the text?（分数：2.00）A.Competition is gradually forcing banks to question their identity.B.Most of the different activities done by banks could
31、 be done by other types of institution.C.Regulations in America and Japan are preventing commercial banks from getting into the securities business.D.Separating the commercial and investment banking activities of some American banks would be very difficult.(3).What does this sentence mean? “Banking
32、will still be a principality in the kingdom of financial services, but its heartland will shrink.“（分数：2.00）A.Banking will still be the most important part of financial services.B.Banking will be absorbed by other areas of financial service.C.Banking will remain an independent but smaller area of fin
33、ancial services.D.Bankings position within financial services will be unchanged.B Single, but not level/BThe 1992 programme is going to run a bit late for the European Communitys financial services companies. The earliest that the whole - more or less - of the industry will be able to take advantage
34、 of its single market now looks like being mid - 1994.That is the European Commissions unstated timetable for EC member countries to implement its third life - insurance directive, whose draft is published on February 20th. The directive, which follows similar directive on non -life insurance publis
35、hed in draft a few months ago, is the last big element in its push to open financial markets that are still highly protected.The broad idea is that financial service companies should have the right to operate through- out the EC on the basis of a single “passport“, issued by the supervisory authorit
36、y in their home country. The commission hoped to have the main insurance - all liberalised together at the end of 1992. Now it looks as if only the banking directive, adopted by the Council of Ministers in December 1989, will be operative in time.A draft investment services directive was submitted b
37、y the commission to the council in January 1989, and is much further along the legislative road than the two insurance directives. Yet the obstacles that it has run into make it probable that even it will miss the end - 1992 deadline.The directive would let investment banks and stockbrokers serve cl
38、ients throughout the EC and trade on all EC exchanges, subjected only to home - country control. Problems arose last November, when France proposed to curb their freedom to trade securities outside recognised exchanges. This has split the EC into the usual north/south, liberal/interventionist groups
39、 The 12 finance ministers will try again on February 25th, but progress is unlikely.Eventually, a compromise will no doubt be reached, probably one saying that small investors should have their orders executed on official markets unless they want otherwise. But all this will take time to negotiate.
40、 The council is unlikely to adopt the directive formally much before the end of this year. Governments will then be hard put to get it on to their national statute books by mid-1993.Do the delays in the investment services and insurance directives matter? The EC is adept at missed deadlines, and end
41、 - 1992 was never carved in stone. The trouble is that banks, investment houses and insurers are now in competition with each other. Banks therefore will have a head start over their non - banking rivals in selling competitive products across the EC. Instead of the single, level playing field for fi
42、nancial services that the Community talks of, the field will indeed be single but still sloping from one end to the other.Senior commission officials say that it is up to national governments to get a move on. This is wishful thinking. On February 19th the British government began consulting with in
43、terested parties on last autumns non -life -insurance draft directive. This process will take months to complete, and only then, say the British, will they be able to begin serious negotiations in the Council of Ministers.The draft life directive, while sharing some principles with the non-life draf
44、t, also poses new problems that will take time to resolve. These concerns such issues as consumer protection (that is, disclosure, supervision and so on), calculating technical provisions to meet insurers liabilities, and the removal of certain national provisions like Belgiums ban on life - insuran
45、ce policies linked to unit trusts.（分数：4.00）(1).Match the following ideas to the paragraphs they refer to. (i) The directive about insurance is the final element for the new open market. (ii) The British Government is not moving as quickly as the European Commission wants. (iii) Reaching a compromise
46、 over French objections will take time. (iv) Problems with the draft life-insurance directive are delaying its progress. (v) The single European financial market will not come about before 1994. (vi) If banking unification occurs first it will give banks a competitive advantage in the single market.
47、 (vii) French objections on stock trading have slowed investment services authorisation. (viii) Permission for financial institutions to act throughout the EC will be provided by one authorisation. (ix) Investment services legislation is more advanced than for insurance.（分数：2.00）(2).Look Carefully a
48、t Paragraph 7. Then decide which of the following is the best explanation of the last sentence in that paragraph.（分数：2.00）A.Banks will not be in competition with insurance companies and investment service companies after 1992.B.Only banks will be allowed to alter their areas of activity after 1992.C.Banks will have an unfair advantage over other financial institutions from 1922.D.The European Commission wishes to give banks a special position in the single market.五、B英释汉/B(总题数：2，分数：20.00)11.From a technical point of vi
