1、金融英语初级-8 及答案解析(总分：100.00，做题时间：90 分钟)一、BPart One Listen(总题数：2，分数：10.00)Section One 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 mall the four suggested answers marked A,
2、 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 tile center.（分数：5.00）A.A bank can transfer money to a recipient according to a clients request.B.A bank will charge fees for transferring money to a recipient.C.A bank
3、will transfer money on behalf of the recipient.D.A bank will act on behalf of the client at the request of the recipient.A.He got loan for his car from the bank.B.He raised mortgage loan for his car from the bank.C.He raised a mortgage on his car from the bank.D.He mortgaged a house for his car.A.Th
4、e bank must consider carefully where the loan is to be used.B.The bank must consider carefully whether the loan is legal or not.C.The bank must consider carefully whether the loan is acquired by speculators.D.The bank must consider carefully where speculators will put the loan.A.Some customers may n
5、ot know clearly how to require loan.B.Some customers may estimate accurately the amount of loan required.C.Some customers may not estimate accurately the amount of loan required.D.Some customers may not require a large amount of loan.A.The cardholder has to pay the bill in full within a grace period
6、 without interest.B.The cardholder can choose to pay the bill in full within a grace period without interest.C.The cardholder can choose to pay the bill in full and interest within a grace period.D.The cardholder has to pay the bill in full and interest within a grace period.A.886.83 yuan RMB to 100
7、 US dollars.B.866.63 yuan RMB to 100 US dollars.C.866.83 yuan RMB to 100 US dollars.D.868.63 yuan RMB to 100 US dollars.A.People cannot afford expensive objects without loans.B.People can often pay for expensive objects in full at once.C.People often pay for expensive items with loans from bank.D.Pe
8、ople can choose to pay for expensive items by installments.A.He lost all his money and property in the fire.B.He insured his property against fire.C.The insurance company compensated for his loss in the fire.D.The insurance company refused to compensate for his loss in the fire.A.The documents shoul
9、d conform with the clauses of L/C when negotiating.B.The bank will dishonour L/C when exporters cannot provide the documents.C.The documents should be, provided by exporters rather than the bank.D.The documents do not necessarily conform with the clauses of L/CA.Personal cheques above 10,000 dollars
10、 can only be encashed at the issuing bank.B.Personal cheques below 10,000 dollars can be paid to a third party through a third bank.C.Personal cheques above 10,000 dollars can only be encashed at the opening bank.D.Personal cheques below 10,000 dollars can be paid to a third party at a branch.二、BSec
11、tion Two/B(总题数：2，分数：10.00)Directions: In this section, you will hear ten short conversations. At the end of each conversation, a question will be asked about what was said. The conversation and question will be spoken only once. During the pause, you must read the four choices marked A, B, C, D, and
12、 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.Regular savings accounts.B.Maturities of fixed accounts.C.Interest rates.D.Withdrawing money from bank accounts.A.Customs officer mid travelers.B.Employer and emp
13、loyee.C.Business associates.D.Bank clerk and customer.A.Mail transfer is slow but it is cheap.B.There are three ways for you to choose to send your remittance.C.Telegraphic transfer is faster but more expensive.D.Demand draft is the inost expensive way of remitting money.A.16,000B.60,000C.6,000D.8,0
14、00A.Cash letters of credit.B.Savings certificate.C.Cashiers.D.Certified checks.A.843 - 4609B.849 - 3589C.846 - 3589D.856 - 3589A.He wants to open a current account.B.He wants to deposit some money in the bank.C.He wants to rent a safe deposit box.D.He wants to open a fixed time deposit accounts.A.Ma
15、yB.SeptemberC.OctoberD.NovemberA.People prefer checks to bank drafts.B.Whoever signs the check guarantees payment.C.A bank draft is issued and guaranteed by a bank.D.People prefer bank drafts to checks.A.He wants to cash travelers checks:B.He wants to claim refund from the issuing bank.C.He lost his
16、 travelers checks.D.He wants someone to contact the issuing bank for him.三、BSection Three(总题数：1，分数：4.00)Directions: In this section you will hear three short passages. At the end of each passage, you Mil hear mine questions. The passages and the questions will be, spoken only once. After you hear a
17、question, you must choose the best answer from the four choices marked A, B, C and D. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center. BPassage One/B（分数：4.00）A.Tamper-resistance.B.Portability.C.Security.D.Simplicity.A.50 million.B.20 million.C.70 million.
18、D.60 million.A.Germany.B.Finland.C.France.D.Italy.A.A keyboard.B.A liquid crystal display.C.Portability.D.Identity establishment.四、BPassage Two/B(总题数：1，分数：3.00)A.Future Prospects of On - Line BankingB.The Challenging Issues in Internet BankingC.On- Line Banking ProductsD.Prospect of Investment Banki
19、ngA.2B.3C.4D.5A.AccessibilityB.Customized serviceC.QualityD.Convenience五、BPassage Three(总题数：1，分数：3.00)A.11%B.12%C.13%D.15.3%A.10%B.10.3%C.11%D.not fixedA.UpwardB.DownwardC.OutwardD.Inward六、BPart Two Readin(总题数：10，分数：10.00)1.Commercial banks perform a very important service to all sectors of the econ
20、omy by providing facilities for the _ of savings and making them available for economically and socially desirable purposes.（分数：1.00）A.depositB.makingC.contributionD.pooling2.In addition to financing the agricultural, commercial, and industrial activities of the natian, commercial banks facilitate c
21、onsumption by making _ loans.（分数：1.00）A.fixedB.consumptionC.consumerD.short- tram3.Individuals who have accumulated an estate, even of moderate size, have an interest in _ for the distribution of the assets before death.（分数：1.00）A.making upB.lookingC.pursuingD.providing4.Trust departments serve as t
22、rustees in connection with bond issues and as _ agents and registrars for corporations.（分数：1.00）A.residentB.transferC.homeD.individual5.The process becomes a bit more complicated, time - consuming, and expensive when checks are _ between banks located In different parts of the country.（分数：1.00）A.cle
23、anedB.paidC.distributedD.cleared6.If the money supply lags behind production, tike economy may suffer from _ with equally undesirable effects.（分数：1.00）A.inflationB.crisisC.debtD.deflation7.Many of these individuals have made wills and have asked trust departments to act as _.（分数：1.00）A.principalB.ex
24、ecutorC.managerD.supervisor8.The objective of Federal Reserve policy is to provide a money - supply _ with the national objectives of stable prices, ,sound economic growth, and a high level of employment.（分数：1.00）A.commensurateB.relatedC.connectedD.linked9.The primary function of commercial banks is
25、 the _ of credit to worthy borrowers.（分数：1.00）A.distributionB.disbursementC.extensionD.payment10._ deposits are assuming a larger portion of the transaction load, and they are being used more efficiently.（分数：1.00）A.Long-termB.RequirementC.DemandD.Bank七、BSection Two/B(总题数：5，分数：5.00)A.numberB.figureC.
26、factD.amountA.negotiatedB.talkedC.bargainedD.concludedA.withdrawnB.drawnC.givenD.chosenA.giveB.offerC.provideD.presentA.formerB.latterC.nextD.previous八、BPassage Two/B(总题数：5，分数：5.00)A.moreB.lessC.fewD.muchA.availableB.readyC.allowedD.suitableA.the otherB.anotherC.moreD.alternativeA.viewB.aspectC.view
27、pointD.pointA.cashB.fundingC.capitalD.borrowing九、BSection Three(总题数：3，分数：3.00)21.For the stability of the banking industry, the minimum capital adequacy ratios are not necessary.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say22.According to The Basle Committees “Core principles fur effective banking
28、supervision“, banks are not encouraged to operate with capital lower than the minimum.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say23.A banks capital position is under close scrutiny of the bank supervisors.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say十、BPassage Two/B(总题数：3，分数：3.00)24.The upper li
29、mit of the percentage of bank capital that may be extended to a private sector non - bank barrower is set at 10%.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say25.Supervisors monitoring the banks handling of risk concentrations may require that bank report their exposures over a specified limit.（分数：1
30、.00）A.A. Right B.B. Wrong C.C. Doesnt say26.It would be very risky ff a large percentage of bank capital is extended to a company with highly- leveraged transactions.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say十一、BPassage Three(总题数：4，分数：4.00)27.Normally, banks will set different credit limits on d
31、ifferent customers credit card accounts.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say28.A credit card is a plastic card and the like to be used to obtain money, goods, or services and an overdraft is not allowed.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say29.If the balance of the credit card is n
32、ot fully settled, the cardholder will have to pay a compound interest on the outstanding amount.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say30.Each month the credit cardholder will receive a statement from the bank showing the details of the transactions, excluding tire total amount outstanding.（分
33、数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say十二、BSection Four/(总题数：5，分数：5.00)31.A cheque is expressed to be payable to _.（分数：1.00）A.the drawerB.the payerC.the draweeD.None of the above.32.Presentment for payment of a promissory note is _.（分数：1.00）A.always required to make the maker liableB.not always
34、 required to make the maker liableC.not required to make indorsers liableD.required to make the drawee liable33.The drawee of a cheque is _.（分数：1.00）A.a bankerB.a payeeC.a drawerD.payer34.As for differences between a cheque and a promissory note, which of the following statements is not true?（分数：1.0
35、0）A.A check is an unconditional order, whereas a promissory note is a promise.B.A check essentially involves three parties, whereas a promissory note has only two parties.C.Most cheques are usually not negotiated, whereas promissory notes arc usually negotiated.D.Both check and promissory note shoul
36、d be made unconditionally in writing.35.A promissory note is _.（分数：1.00）A.a conditional promise in writing made by one person to another signed by the maker.B.an unconditional order in writing made by one person to another signed by the maker.C.an unconditional promise made by the banker to pay a sp
37、ecified person or bearer.D.an unconditional promise in writing to pay a sum certain in money.十三、BPassage Two/B(总题数：5，分数：5.00)36.With through bill of lading, the first part of the journey _.（分数：1.00）A.is covered by a sea voyageB.is covered by land transportationC.is covered either by a sea voyage or
38、by land transportationD.is covered by air transportation37.In many cases, a through bill of lading involves _.（分数：1.00）A.only one carrierB.not more than twO carriersC.two or more carriersD.only one form of transport38.Transhipment bill of lading is used when _.（分数：1.00）A.any port of the journey is c
39、overed by a sea voyageB.the whole journey is covered by sea voyage and when the goods have to be transferred from one ship to another at a named transhipment portC.the whole journey is covered by land transportationD.the ship owner is prepared to transship the cargo at an intermediate port at his ex
40、pense39.Combined transport bill of lading may evidence that _.（分数：1.00）A.the goods have been transported to a port in the country of exportB.the goods have been delivered to a port in the country of importC.the goods have been collected from a named inland place of importD.two types of bill of ladin
41、g are combined together40.Container bills of lading are. issued _.（分数：1.00）A.to dispatch the goods only from the port of export to the port of importB.to collect the goods from the port of exportC.to dispatch the goods only from an inland container depot In exporters country to an inland container d
42、epot in the importers countryD.sometimes to dispatch the goods from the port of export to the port of import十四、BPassage Three(总题数：5，分数：5.00)41.Which of the following statements is correct?（分数：1.00）A.Liquidity is a measure of how quickly an item may be converted to cash.B.Current assets have the most
43、 liquidity.C.All other assets except cash are long- term assets.D.Current assets include cash, accounts receivable and notes receivable only.42.Which of the following is the most liquid asset?（分数：1.00）A.accounting receivableB.cashC.note receivableD.land43.Which of the following is not long term - as
44、sets?（分数：1.00）A.machineB.buildingC.landD.inventory for the retailer44.A business operating cycle is _.（分数：1.00）A.12 monthsB.half a yearC.the time span during which cash is used to acquire goods and servicesD.always longer than a year45.Which of tile following does not belong to current assets?（分数：1.
45、00）A.cashB.account payableC.account receivableD.note receivable十五、BPassage Four/(总题数：5，分数：5.00)46.The cash flow statement reflects all of the following but _.（分数：1.00）A.the investing activities of the firmB.the change of cash over timeC.the effectiveness of management in receipt and use of cashD.the
46、 exact way firms generate and absorb cash47.The repayment of the proposed loan _.（分数：1.00）A.is the bankers only concernB.is the borrowers only concernC.is one of the bankers concernsD.is the borrowers only responsibility48.The purpose of analyzing cash flow is to _.（分数：1.00）A.finance cash disburseme
47、ntsB.understand the usage of cashC.know whether or not cash at hand is enough to repay the loanD.None of the above is correct.49.All of the following statements are correct except _.（分数：1.00）A.quick ratio is one of the current ratiosB.quick ratio is used to measure the liquidityC.quick ratio is a mo
48、re accurate measurement of liquidity of the current ratioD.quirk ratio is exact the same as the current ratio50.The companys ability to meet its obligations as they come, due _.（分数：1.00）A.is only determined by the amount and timing of its cash availableB.is only determined by the amount and timing of calls on its cashC.is only determined by the amount of its cash available and the amount of calls on its :ashD.is determined by both the amount and timing of cash available and the amount and timing of calls on cash十六、BPart Three Writ(总题数：1，分数：5.00)51. （分数：5.00）_
