1、现代金融业务（综合）模拟试卷 16及答案与解析 单句理解 （ A） Bank s current base rates are higher than those on small deposits. （ B） Banks current base rates are lower than those on small deposits. （ C） Banks current base rates are not floating rates. （ D） Bank s current base rates are usually floating rates. （ A） Investors c
2、an cope with any problems they may meet. （ B） Investors cant cope with problems when they meet with difficulty. （ C） Investors can cope with some investment problems by confining their investments to those that involve only modest risk. （ D） Investors can cope with easy problems. （ A） the income sta
3、tement （ B） the balance sheet （ C） the financial statement （ D） the statement of cash flow （ A） Each month the cardholder receives a statement and the amount of all the transactions. （ B） Each month the bank gives the cardholder a statement showing the total amount outstanding. （ C） Each month the b
4、ank gives the cardholder a statement showing the compound interest. （ D） Each month the bank gives the cardholder a statement showing any minimum amount that needs to be paid. （ A） People are discouraged to do business with a lower discount rate. （ B） People are encouraged to borrow more money if th
5、e discount rate is lowered. （ C） People are encouraged to borrow more money if the discount rate is raised. （ D） People are discouraged to borrow less money with a lower discount rate. （ A） Smart card is light but can resist shock. （ B） Smart card is convenient, safe and durable. （ C） Smart card is
6、the exact size of a credit card. （ D） Smart card contains a computer with as much power as the original minicomputer. （ A） If a drawee is bankrupt, presentment may be made to his trustee. （ B） If a drawee is bankrupt, presentment can not be made to him. （ C） If a drawee is bankrupt, presentment can
7、not be made to his assignee. （ D） If a drawee is bankrupt, presentment must be made to his trustee. （ A） A bill can not be accepted after it has been dishonored by a previous refusal to accept. （ B） If a bill has been dishonored by non-payment, it may not be accepted by another person. （ C） If a bil
8、l has been dishonored by a previous refusal to accept, it may be accepted by another person. （ D） A bill can not be accepted after it has been dishonored by non-payment. （ A） A cheque can be accepted by the bank on which it is drawn. （ B） A bill can not be accepted by the bank on which it is drawn.
9、（ C） The rules relating to acceptance of bills are not applicable to cheques. （ D） The rules relating to acceptance of bills are applicable to cheques. （ A） Once the title documents are entrusted, the goods are at the disposal of the collecting bank. （ B） The title documents enable the remitting ban
10、k to dispose the goods according to the instruction given in the collection order. （ C） The title documents are usually issued by the drawee. （ D） In spite of the possession of the title documents, the bank can not deal with the goods without the allowance of the drawer. 对话理解 （ A） $100 （ B） $120 （ C
11、） 1200 （ D） 1000 （ A） It is a plastic card. （ B） People can lend it to others. （ C） It can carry a line of credit ranging from several hundred to several thousand or more. （ D） It is very convenient. （ A） The loan proposal. （ B） His repayment capability. （ C） The banks money. （ D） Her own money. （ A
12、） 3%. （ B） 5%. （ C） 11%. （ D） None. （ A） Representatives. （ B） Agencies. （ C） Branches. （ D） Subsidiaries. （ A） The amount. （ B） The address. （ C） The name. （ D） The account number. （ A） Vertical method. （ B） Horizontal method. （ C） Balance sheet. （ D） Both A and B （ A） Because she lost her bill. （
13、B） Because her bill didn t mature. （ C） Because she forgot the rules. （ D） Because her bill was not duly presented. （ A） Documentary credit. （ B） Documentary collection. （ C） Payment in advance. （ D） Open account. （ A） A debit card cannot be used to pay for services. （ B） A debit card cannot be used
14、 to pay for goods. （ C） A debit card cannot be used to pay for meals. （ D） A debit card cannot be used to overdraw money. 短文理解 （ A） The same system as in the western countries. （ B） A mono-banking system. （ C） A modern banking system. （ D） A commercial banking system. （ A） More than twenty years. （
15、B） Nearly ten years. （ C） Nearly forty years. （ D） Nearly thirty years. （ A） Profitability. （ B） Non-performing and bad loans. （ C） Capital adequacy requirements. （ D） All above. （ A） Three items. （ B） $10.8. （ C） A blue one. （ D） U. S. Dollars. （ A） Measures. （ B） Rulers. （ C） Money. （ D） A medium
16、of exchange. （ A） The income we get and the wealth we have in our homes. （ B） Our net revenue we receive. （ C） Investments and life insurance. （ D） Pension funds, stocks and bonds. （ A） The Investments in financial assets. （ B） The accumulation of past savings of income. （ C） The money we hold in ca
17、sh. （ D） The net revenue in the transaction. （ A） the Nasdaq （ B） the NYSE （ C） the OTC （ D） the AMEX （ A） At each trading post. （ B） At the brokerage firm. （ C） Via telephone. （ D） Outside the trading floor. （ A） By the negotiation among the sellers, buyers and the exchange. （ B） By using an auctio
18、n process. （ C） By the exchange. （ D） By the negotiation among the sellers and the buyers. 一、单项选择题 31 These are four main methods of securing payment in international trade： (1)payment under documentary credit (2)open account (3)collection, that is document against payment or acceptance of a bill of
19、 exchange (4)payment in advance From an exporter s point of view, the order of preference is_. （ A） (4),(2),(3),(1) （ B） (4),(1),(3),(2) （ C） (4),(3),(1),(2) （ D） (2),(4),(1),(3) 32 The balance sheet is divided into_sections;_. （ A） two. . . assets and liabilities （ B） two. . . incomes and expenditu
20、res （ C） three. . . assets, liabilities and owner s equity （ D） three. . . incomes, expenditures, and equity 33 The marketplace where short-term debt securities are traded is referred to as_. （ A） a mortgage market （ B） a stock market （ C） a bond market （ D） a money market 34 A bank s liquid assets
21、include following items except_. （ A） notes, coins and bullion （ B） current balances with central and other banks （ C） money at call and short notice （ D） bank s premises 35 A financial_should be carried out for any potential venture in the manufacturing sector, in order to assess the relationship b
22、etween production volume, production cost and profits. （ A） break-even analysis （ B） benefit streams （ C） IRR analysis （ D） capital cost 36 Department of Credit must consider budgetary target, net revenue and_. （ A） risk （ B） cost （ C） liquidity （ D） others 37 In credit mix, tenor refers to_. （ A） t
23、erm of loan （ B） term structure of loan （ C） term of asset （ D） term structure of asset 38 What insurance document will be issued as evidence of cover when an exporter sells goods insured under an open cover agreement? _. （ A） A third party inspection certificate （ B） An insurance policy （ C） A blac
24、k list certificate （ D） An insurance certificate 39 The task of an auditor is to certify that the accounts and balance sheet show_. （ A） an accurate statement of income and expenditure （ B） that the figures stated are accurate and correct （ C） a true and fair view of the business （ D） that the reser
25、ves are enough 40 The revenue, expense, and drawing accounts are_used in classifying and summarizing changes in capital during the accounting period. （ A） temporary accounts （ B） permanent accounts （ C） income summary （ D） terminal accounts 二、完形填空 40 A certificate of deposit(CD)is issued by a deposi
26、tory institution【 56】 that the holder has deposited at the institution a certain mount of money for a certain period of time. By issuing a certificate of deposit, a bank, or【 57】 institution, gives its pledge to【 58】 the certificate at maturity and to pay a certain rate of interest for the use of th
27、e deposited funds. Certificates of deposit are issued in several different forms. They may be negotiable or nonne-gotiable. If a CD is negotiable it may be sold on the secondary market【 59】 to maturity. Usually only large CDs are issued in negotiable form. CDs may also be issued either in bearer or
28、registered form. Negotiable CDs are usually always issued in bearer form because of the ease with which ownership may be【 60】 41 【 56】 （ A） evidence （ B） fact （ C） proof （ D） prove 42 【 57】 （ A） depositing （ B） depository （ C） thrift （ D） commercial 43 【 58】 （ A） exchange （ B） redeem （ C） change （ D
29、） pay 44 【 59】 （ A） previous （ B） ahead （ C） prior （ D） preceding 45 【 60】 （ A） transferred （ B） transited （ C） transmitted （ D） transparent 45 In the foreign exchange market, which is made up of banks traders and brokers, prices【 61】 every minute【 62】 to supply and demand. For safety s sake, a bran
30、ch will get a rate from their traders lor a big transaction. Therefore the traders give their branches lists of exchange rates【 63】 they may buy and sell notes and payments in the main currencies. Whenever a bank in Britain makes a payment in foreign currency, or makes a payment in sterling to a non
31、-resident, the payment has first to【 64】 under British exchange control regulations. The bank itself can usually authorize the payment after seeing a document such as an invoice to show that the payment is due; but cases【 65】 borrowing and lending have to be referred to the Bank of England. 46 【 61】
32、 （ A） alter （ B） vary （ C） turn （ D） convert 47 【 62】 （ A） in response （ B） respondent （ C） responding （ D） answering 48 【 63】 （ A） of which （ B） on which （ C） in which （ D） at which 49 【 64】 （ A） authorizing （ B） authorize （ C） be authorized （ D） have been authorized 50 【 65】 （ A） involving （ B） in
33、volve （ C） will involve （ D） being involved 三、判断正误 50 The BIS is the central bankers central bank. It is very discreet, and very influential. It was founded in 1930 to act as a trustee for the loans associated with the Young Plan for Germany Reparations. The first members of the bank were the centra
34、l banks of Belgium, France, Germany, Italy, Japan and the United Kingdom, together with three private U. S. banks. The Federal Reserve Bank subsequently became a member alone with all the major European central banks. Current membership consists of 30 central banks, of which 25 are European plus the
35、 United States, Canada, Australia , and South Africa.(The BIS was unique in having Albania and South Africa as co-member.)The board of directors is composed of the governors of the central banks of Belgium, France, Germany , Italy, and the United Kingdom, together with co-opted directors from among
36、the governors of those member central banks that do not have a representative on the board. The BIS has three main functions. It acts as a bank, primarily as a central bankers bank; it acts as a gathering place for central bankers, a vehicle for international monetary cooperation; and it acts as tru
37、stee for various international loans. The BIS s role as an intermediary provides a number of advantages to other central banks. The first is anonymity: sometimes it is not convenient for a central bank to be seen to withdraw its funds from the market. The second is risk spreading; a deposit with the
38、 BIS is very safe since the bank is highly liquid. Finally, deposits placed with the BIS can usually be withdrawn at very short notice. 51 Albania and South Africa share a seat in the BIS. （ A） Right （ B） Wrong （ C） Doesnt say 52 Each governor of the central banks of all member countries are on the
39、board of directors of the BIS. （ A） Right （ B） Wrong （ C） Doesnt say 53 As a central bankers bank, BIS holds routine meetings to coordinate activities for international Monetary understanding. （ A） Right （ B） Wrong （ C） Doesnt say 54 As a trustee for various international loans, the BIS is very care
40、ful and considerate of its customers interests. （ A） Right （ B） Wrong （ C） Doesnt say 54 The handy ATM/debit card you ve packed for your big overseas vacation may be packed with fees. Many banks charge fees whenever a customer uses an ATM/debit card outside the United States. Debit cards, such as th
41、e Visa Check Card and MasterCard Money, are linked to a cardholder s checking account and can be used for purchases and to withdraw money from overseas ATMs. Foreign-fee double whammy. Most banks zap customers with USD1. 50 to USD5 fees for using overseas ATMs. And now some major banks are charging
42、customers 2-percent fees for each debit card purchase made while traveling abroad. These new fees come on top of 1 percent fees long charged by Visa and MasterCard for transactions involving foreign currency. “ If your bank is adding 2 percent it s simply because they see it as a way of getting extr
43、a money out of you,“ says Ed Perkins, a nationally syndicated travel columnist and consumer advocate. “By the time your bank gets the charge it s already in dollars. “ When you make a purchase with a credit card or debit card, you pay an overseas merchant in local currency. But the charge that shows
44、 up on your credit card bill or bank statement is in US dollars. 55 When you re paying for your meal in Swiss francs,your bank statement will list the cost of your dinner in US dollars. （ A） Right （ B） Wrong （ C） Doesnt say 56 When you make a purchase with a credit card or debit card, you pay an ove
45、rseas merchant in local currency. （ A） Right （ B） Wrong （ C） Doesnt say 57 Many banks charge fees whenever a customer uses an ATM/debit card inside the United States. （ A） Right （ B） Wrong （ C） Doesnt say 57 Assets are the economic resources of the business that can be usefully expressed in monetary
46、 terms. Liabilities, or creditors, equity, are the obligations, or debts, that the firm must pay in money or services at some time in the future. They therefore represent creditor s claims on the assets of the firm. The owner s interest is equal to the net assets of the business, which is defined as
47、 the difference between the assets and liabilities. Thus, owner s equity is the residual claim a claim to the assets remaining after the debt to creditors has been discharged. 58 Assets and liabilities of a firm are both shown on the firm s balance sheet. （ A） Right （ B） Wrong （ C） Doesnt say 59 The
48、 equity amount of a balance sheet is the creditor s claims on the firm. （ A） Right （ B） Wrong （ C） Doesnt say 60 Expenses of a firm should be shown on the firms income statement. （ A） Right （ B） Wrong （ C） Doesnt say 四、阅读理解 60 Commercial bank deposits, including demand deposits, are subject to immed
49、iate withdrawal during regular banking hours at the request of the depositor with the exception of certain time deposits , discussed in this section. Demand deposits may be withdrawn in the form of currency or coin, or they may be transferred to another account at any commercial bank. Demand deposits at commercial banks can be transferred by bank check and are sometimes called checking accounts. No money interest is paid on demand deposits. Checkable NOW accounts, or share drafts at credi
