[外语类试卷]现代金融业务(综合)模拟试卷12及答案与解析.doc
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1、现代金融业务(综合)模拟试卷 12及答案与解析 单句理解 ( A) Lending covenants now are often made at compound interest. ( B) Lending transactions now are often made at compound interest. ( C) Lending decisions now are often made at compound interest. ( D) Lending proposals now are often made at compound interest. ( A) Assumin
2、g inappropriately large financial risk can cause investors to lose sleep. ( B) Financial risk will not cause investors to lose sleep. ( C) Seeking to maximize profits appropriately can cause investors to lose sleep. ( D) No matter how much they earn, the investors will lose sleep. ( A) We are the cr
3、edit card holders. ( B) We are the bank who can encash the card. ( C) We are the credit card company. ( D) We stopped your card losing. ( A) A bank or insurance company issues an advance payment bond. ( B) A bank or insurance company issues a tender bond. ( C) A bank or insurance company issues a ma
4、intenance bond. ( D) A bank or insurance company issues a performance bond. ( A) There is a higher rate of interest on deposit account. ( B) There is a higher rate of interest on savings account. ( C) The rate of interest on deposit accounts is always much higher than that on savings accounts. ( D)
5、The rate of interest on deposit accounts is usually much lower than that on savings accounts. ( A) The financial reporting is to provide information for the investors and lenders only. ( B) The main aim of financial reporting is to offer information useful for decision-making. ( C) Investment and le
6、nding decisions can be made from the financial reporting. ( D) Investment and lending decisions can not be made from the financial reporting. ( A) The bank s foreign exchange department has to record the positions in the various currencies. ( B) The bank s foreign exchange department has to record t
7、he positions in the various currencies. ( C) The bank s foreign branches department has to record the various foreign currency liabilities. ( D) The bank s foreign branches department has to record the positions in the various currencies. ( A) The tax return is not shown in the income. ( B) The inco
8、me is not accurate 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) From an early date the banker have charged a commission for their services. ( B) From an early date the banker has an obligatio
9、n to serve the customers. ( C) From an early date the customers have charged a commission. ( D) From an early date the customer has an obligation to serve the banker. ( A) Banks may guarantee the buyer or the seller in documentary collection. ( B) Banks act as agents without responsibility of guaran
10、tee on either side. ( C) Banks offer bank guarantee to both the buyer and the seller in documentary collection. ( D) Banks are only responsible for the buyer in documentary collection. 对话理解 ( A) Interest rate of a foreign currency is much higher. ( B) There are risks of losing money sometimes to ope
11、n a foreign currency account. ( C) Foreign currencies exchange rates are relatively stable. ( D) It is advisable to open a foreign currency account. ( A) That she needs $200 to open an account. ( B) That savings accounts earn low interest. ( C) That she should not open an account. ( D) That $2,000 w
12、ill earn reasonable interest. ( A) Overdrafts. ( B) Mortgages. ( C) Personal loans. ( D) Letter of credit. ( A) The interest rate of savings account. ( B) The discounting rate for drafts. ( C) The rediscounting rate. ( D) The interest rate for loans. ( A) Accounting basis. ( B) Cash basis accounting
13、. ( C) Accounting control. ( D) The chart of accounts of a bank. ( A) Returning the cheque. ( B) Drawing the cheque in ink. ( C) Drawing the cheque in lead-pencil. ( D) Going to the paying bank. ( A) The payments of her draft. ( B) The collection of her draft. ( C) The exchange of some dollars. ( D)
14、 The opening of her account. ( A) Standard Chartered Bank, London is one of our correspondent banks. ( B) We can advise this L/C through Standard Chartered Bank, London. ( C) We will send the advice of the L/C directly to the beneficiary. ( D) Another bank will be chosen as the advising bank of this
15、 L/C ( A) Counter No. 12. ( B) Counter No. 6. ( C) Counter No. 15. ( D) Counter No. 16. ( A) A savings account. ( B) A fixed account. ( C) A check account. ( D) An automatic transfer account. 短文理解 ( A) Dealers in foreign exchange. ( B) Dealers in government bonds. ( C) Dealers in IPO. ( D) Dealers i
16、n government uses funds for its raw materials labor, and recovers funds, hopefully in excess of the a-mount. The raw materials purchased are funds instead of steel, clothing, or groceries. As in non-financial business a band management s basic objective should be to maximize the value of the owner s
17、 investment in the bank. Useful information on the appropriate tradeoffs between made and risks taken is obtained from relatively efficient markets for most publicly held banks. The management of smaller banks seeks to achieve the highest returns for the risk level deemed appropriate by the sharehol
18、ders. 58 The recovery of funds of a commercial bank is ideally managed on a parallel with its expenditure. ( A) Right ( B) Wrong ( C) Doesnt say 59 A commercial bank should try its best to increase the profits of its creditor and ownership sources. ( A) Right ( B) Wrong ( C) Doesnt say 60 Relatively
19、 efficient market can usually provide information on the credit worthiness of a commercial bank. ( A) Right ( B) Wrong ( C) Doesnt say 四、阅读理解 60 Fractional reserve banking is the practice of keeping only a traction of deposits in the form of reserves. Depository institutions(commercial banks, saving
20、s and loan associations, mutual savings banks, and credit unions)are able to do this because only a small fraction of their depositors is expected to turn up during any given day or week to withdraw their deposits. The bulk of deposits is invested in financial assets, from which the depository insti
21、tutions earn most of their income. Those income-earning financial assets range from bills, notes, and bonds issued by private corporations and by the federal, state, and municipal governments to mortgage loans for housing. Each type of financial institution has a different type of portfolio of asset
22、s, which reflects their area of special expertise in managing financial assets. To demonstrate how depository institutions create money under the present system of fractional reserve banking, hypothetical example of a commercial bank, Southwest National Bank, will be used. It is assumed that federal
23、 regulations require Southwest National Bank to hold a percentage of its deposits in the form of cash reserves. This is the reserve requirement. The reserves may be held in the form of currency and coin on the premises, a form of reserves called vault cash, or they may be held in a deposit at a regi
24、onal Federal Reserve Bank. Assume that the Southwest National Bank management, taking into account the reserve requirement and the projected amount of withdrawals arid deposits, decides to keep 20 percent of its deposits in rescues. 61 Why do the depository institutions have the fractional reserve b
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- 外语类 试卷 现代 金融业务 综合 模拟 12 答案 解析 DOC
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