[语言类考试复习资料大全]现代金融业务(综合)模拟(暂无语音只提供参考12

1、书山有路勤为径，学海无涯苦作舟。祝愿天下莘莘学子：学业有成，金榜题名！语言类考试复习资料大全现代金融业务(综合)模拟(暂无语音，只提供参考12现代金融业务(综合)模拟(暂无语音，只提供参考12Part One ListeningSection OneDirections:In this section, you will hear ten short statements. Each statement will he spoken only once. After each statement, there will be a pause. During the pause, you mus

2、t read the four suggested answers marked A, B, C and D, and decide which is the best answer. 1.A.People can draw the money on CDs whenever they want.B.People can sell their CDs in the money market whenever they want.C.A CD is a demand deposit as opposed to a term security.D.CDs dont have a specified

3、 maturity date.答案:B解析 Although CDs cannot be withdrawn, they can be marketed, that is sold, at any time 单句意思为“可转让定期存单不能随便提取，但可以任意买卖。”B项正确， 其他选项均表述错误。 2.A.The Bank of China is not a state-owned enterprise.B.The Bank of China is a foreign exchange bank.C.The Bank of China is not a foreign exchange ban

4、k.D.The Bank of China is not very important.答案:B解析 The bank of China is a state-owned enterprise and is a specialized foreign exchange bank of the Peoples RepubliC of China 单句意思为“中国银行是国有商业银行，它是中国的外汇专业银行。” 3.A.The amount on the cheque is larger than in the account.B.The car can be covered with your c

5、heque.C.The cheque you wrote can not cover the car.D.The amount on your cheque is just that in your account.答案:A解析 Im afraid there isnt enough money in your account to cover the cheque you wrote for your new car 单句意思为“恐怕您账户里余额不足，您所开的支票无力购买此新车。” 4.A.The bank must take the purpose of loan into conside

6、ration carefully.B.The bank wonders if the loan is used for illegal or speculative purpose.C.The bank worries that the loan is used for illegal or speculative purpose.D.The bank must consider a way for the loan to be used for speculative purpose.答案:A解析 The bank must consider carefully whether the lo

7、an is to be used in any illegal activity or for speculative purpose 单句意思为“银行必须仔细审查，看贷款是否是用于非法活动或是投机行 为。” 5.A.The discount rate and the stock prices move in the same direction.B.The discount rate and the stock prices move in the adverse directions.C.When the Fed raises stock prices, the discount rate

8、 is likely to move downward.D.When the Fed lowers stock prices, the discount rate tends to rise.答案:B解析 Historically, when the Fed lowers the discount rate, stock prices tend to rise when the Fed raises the discount rate. stock prices are likely to move downward. 根据录音可知，股票价格随着贴现率的变化而变化，且方向相反。 6.A.The

9、y will write to their home.B.They will write to their headquarter.C.They will ask for their rights.D.They will wait for an officer.答案:B解析 They will write to their home office to waive their claim 单句意思为“他们将写信给他们的总公司，告之将放弃他们的索赔。” 7.A.If a shareholder owns more shares, he can receive more cash dividend

10、s.B.Cash dividends are paid to each shareholder on the date of declaration.C.The number of shares has little impact on cash dividends paid to each shareholder.D.Cash dividends will be paid from the proceeds of the share issuance.答案:A解析 Cash dividends are paid to each shareholder based on the number

11、of shares that a shareh01der owns 单句意思为“现金股利的支付额要基于股东拥有的份额”。 8.A.The banks have an incalculable liability under the documentary credit revolving in value.B.The banks prefer to issue the documentary credit revolving in value.C.The buyer has less liability under the documentary credit revolving in val

12、ue.D.The banks are involved in less liability by issuing the documentary credit revolving in value.答案:A解析 A revolving documentary credit in relation to value involves the buyer and the banks in an incalculable liability 单句意思为“有一定价值的可循环跟单信用证使得买方和银行要承担不可计 量的债务。” 9.A.If future contracts are standardize

13、d, brokers would not assess contract specifi cations.B.As long as future contracts are standardized, floor trading would be made slow accordingly for brokers to evaluate contract specifications.C.Whether future contracts are standardized or not, floor trading will not be influenced.D.Futures contrac

14、ts must be standardized, otherwise, floor trading would be made very slowly since specifications of each contract would be assessed.答案:D解析 Future contracts have to be standardized. or floct trading would be slowed down considerably as brokers would have to assess contract specifications. 单句意思为“期货合约必

15、须标准化，否则场内交易将会大大地减慢，因为经 纪人要对合同的各种细则进行评估。” 10.A.We paid you early as required.B.Your documents came to us as required.C.Your documents have been correctly presented as required.D.You did not present the documents as required.答案:D解析 We found that the documents we received did not comply with the requir

16、ements 单句意思为“我们发现我们收到的单据与所要求的不一致。” Section TwoDirections: 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 andquestion will be spoken only once. During the pause, you must read the four choicesmark

17、edA, B, C, D, and decide which is the best answer. 1.A.Customs officer and travelers.B.Employer and employee.C.Business associates.D.Bank clerk and customer.答案:D解析 W: Since I have some spare cash in my account, I would like to open a time deposit account here. Can you give me some information please

18、? M: With pleasure. We have many kinds of time deposit accounts: 1 month, 3 month, 6 month and 1 year Q: What is the possible relationship between the two speakers? 根据对话，女士是想开立一个定期存款账户，并请求对方提供相关信息，男 士则介绍了几种定期存款账户类型，由此可推知两者为银行职员与客户之间的关 系。 2.A.4%.B.4.5%.C.5%.D.5.5%.答案:C解析 W: Well. yes. What about inte

19、rests on those accounts? Im interested in fixed time deposits accounts. M: There are three kinds of fixed deposits, Madame. They are three-month， six-month and twelve-month deposits. The interest on a three-month deposit is 4.5% per annum. on six month 5%. on twelve month 5.5%. Q: What is the intere

20、st rate on a six month deposit? 根据男士回答“On six month 5%”，可知答案为C选项。 3.A.July.B.August.C.September.D.October.答案:C解析 M: We have agreed on the terms of payment. Is it possible to effect shipment in August? W: Im afraid not. Mid September. I think Q: When is the earliest possible time of shipment? 当男士问八月是

21、否能出货时，女士给予了否定回答，她认为可能要到“Mid September”，所以选项C为正确项。 4.A.Rate on the personal loan.B.Base rate of the bank.C.The amount of payment.D.Personal loans time period.答案:A解析 M: The rate on a personal loan is fixed according to the base rate at the time when the loan is made W: But it is always higher than the

22、 base rate, isnt it? Q: What is determined when a personal loan is made? 根据对话中“The rate on a personal loan is fixed”可知A项正确。 5.A.Profit and JossB.Owners equity.C.LiabilitiesD.Assets.答案:A解析 M: Can you tell me something about a balance sheet? W: Yes. It is divided into three sections: assets, liabiliti

23、es, and owners equity and it is used to sullmlarize a companys financial position on a given date Q: Which of the following is not a section of a balance sheet? 根据女士回笞资产负债表分为三部分，即“assets”，“liabilities”和 “owners equity”，A项未提及。 6.A.To endorse his cheques.B.To show his passport.C.To cash some travelers

24、 cheques.D.To open a checking account.答案:C解析 M: May I cash these travelers checks for $300 here? W: Of course. Would you please countersign them here? Also write place and date as specified. Q: What does the man want to do according to the conversation? 根据男士的话，他是想“cash these travelers checks”，所以选项C正

25、确。 7.A.To withdraw some money.B.To exchange some foreign currencies.C.To discount some bills.D.To cash some travelers checks.答案:C解析 M: Bank of China. May I help you9 W：Yesplease.Id like to get some information about discounting a bill of exchange. Q: What does the customer want to do.? 根据女士回答，她是想获得一

26、些关于汇票贴现方面的信息，可见她是想将汇 票贴现。 8.A.Presentation of bill of exchange for payment.B.Documents required for a collection operation.C.Application for a letter of credit.D.What are contained in a collection order.答案:B解析 M: Well. what other documents shall I hand in to your bank besides billS of lading? W: A S

27、ight draft, an insurance policy, and a collection order which contains instructions on collection operation to our bank. Q: What are they talking about? 男士问对方，除了递交提单外还得递交哪些单据。女士的回答是a sight draft，an insurance policy，and a collection order，即即期汇票、 保险单及托收委托书，由此可推知答案为B。 9.A.700 yuan.B.600 yuan.C.650 yuan

28、.D.750 yuan.答案:A解析 M：Im leaving for America and still have some RMB with me. There is about 700 yuan left. Can I change it back into US dollars? W: Yes, we can convert your leftover RMB back into foreign money. Q: How much RMB yuan does the customer want to exchange for US dollars? 男士是想将人民币兑换外币，并说他还

29、剩 700 yuan，所以A选项正确。 10.A.Every month.B.Every quarter.C.Every year.D.Half a year.答案:B解析 M: Do you keep the transferred amount in a special account that I cant contr017 W: Yes, we keep those balances in a tax accrual trust account specifically reserved for tax payments. Usually the balances will be us

30、ed every quarter for tax liability payments. Q: How often will the balance be used for tax liability payments? 根据女士同答the balances will be used every quarter，可知答案应为 B选项。 Section ThreePassage One 1.A.With little concern.B.With calm.C.With great interest.D.With confusion.答案:B解析 The Tokyo stock market r

31、esponded calmly yesterday to the collapse of two Japanese financial institutions，with prices finishing higher on strength in high-tech issues. The US dolfar fell back against the Japanese yen The dol far started higher in Tokyo amid concern about the collapse of the nations largest credit union and

32、Hyogo Bank, a regional bank based in Kobe. It reached 99.40 yen at one point, its highest level since 99.45 yen on February 8. At late afternoon, the dolfar was traded at 97.46 yen, down 1.32 yen from late Wednesday in Tokyo and also sharply below its overnight New York level of 99.01 yenThe US curr

33、ency ranged in Tokyo between 96.82 yen and 99.40 yen. Meanwhile. share price rose as higher future prices and rising high-tech issues supported the whole market. Export-related high-tech stocks have gained Significantly, supported by the stronger dollar. How did the Tokyo stock market respond to the

34、 collapse of two Japanese financial institutions? 录音原文提到The Tokyo stock market responded calmly yesterday to the collapse of two Japanese financial institutions，东京股票交易所昨天对日本两大金融机构破产的消息反应平静。 2.A.99.40 yen.B.97.46 yen.C.99.01 yen.D.96.82 yen.答案:B解析 What was the price of the dol far against Japanese ye

35、n at late afternoon? 录音原文提到At late afternoon, the dollar was traded also sharply below its overnight.在下午晚些时候，美元对日元价格为97.46uSD/JYP，与上星期三相比，下降了1.32日元，当然隔夜汇率也急剧下降。 3.A.Share price.B.High-tech stocks.C.Japanese yen.D.Most of the stocks.答案:B解析 What kind of stocks has risen in the Tokyo stock market? 录音原文

36、最后提到Export-related high-tech stocks have gained significantly，supported by the stronger dolfar。与出口相关的高科技股受美元强劲影响，股价明显上涨。 Passage Two 1.A.Business development loans.B.House improvement loans.C.Farm development loans.D.Overdrafts.答案:D解析 Some banks offer other types of loans repayable by monthly instal

37、lments, such as business development loans, house improvement lcans, and farm development lcans. These may be either secured or unsecured.Secured lcans attract a slightly lower rate of interest than unsecured lcans. Some banks offer revolving credit schemes. These normally involve lcans repayable by

38、 regular monthly instal lments, but they differ from other lcans repayable by installments in two respects. First, the borrower need not take up the full amount of the lcan at the outset. Secondly. as his repayments reduce hiS indebtedness. he can top up hiS lcan by borrowing more, provided that the

39、 total debt outstanding does not exceed his agreed credit 1imit. In 1967 some banks introduced a new form of account called abudget account. The object is to al low personal customers to spread the incidence of normal personal and household expenditure. Which of the following lcans is not repaid by

40、installments? 录音原文一开始提到Some banks offerand farm development loans.一 些银行推出其他种类按月分期还款的贷款，例如商业发展贷款、住房改善贷款和 农业发展贷款。 2.A.Secured loans.B.Unsecured loans.C.Business development loans.D.House improvement loans.答案:A解析 Which of the following loans would attract a lower rate of interest? 录音原文提到Secured loans a

41、ttract a slightly lower rate of interest than unsecured loans. 抵押贷款获得比信用贷款更低的利率。 3.A.By taking up the full amount of the loan.B.By borrowing more.C.By stopping borrowing.D.By reducing his indebtedness.答案:B解析 How does a borrowertop uphis loan? 录音原文提到Secondly, as his repayments reduceexceed his agreed

42、 credit limit. 在借款人未清偿总债务没有超过事先商定好的信用额度前提下， 由于还款减少了债务，他可以通过借入更多款项积累贷款额。 4.A.To allow personal customers to spread the incidence of normal personal and household expenditure.B.To make the payment of fuel bills, rates, season tickets.C.To pay ear insurance and school fees by installments.D.To transfer

43、 some amount by twelve equal monthly installments.答案:A解析 What is the objective of introduction of the budget account? 录音原文提到In 1967 some banks introducedhousehold expenditure 1967年，一些银行引入一种新的账户，名为预算账户。其目的在于扩大个人支 出贷款和住房支出贷款的影响范围。 Passage Three 1.A.2.B.5.C.4.D.3.答案:D解析 If you want to invest money at s

44、hort term, youve got several possibilities: first, a current account. ThiS gives you the possibility of having all your money at your immediate disposal. It also entitles you to a cheque-book. Second, youve got a deposit account，which usually pays about 3.5%interest. less tax. In that respect. a dep

45、osit accounts a better investment than a current account. However. though you are entitled to a cheque book，you can only withdraw up to a certain sum each month. For large amounts, you must give the bank a few months notice.Finally， you have certificares of depositThese pay in the order of 6.5% inte

46、rest. How many possibilities are there for a customer to invest money at short term? 综合整篇录音原文，它提first, Second， Finally， 因此推断出客 户可采用三种方法进行短期投资。 2.A.Certificates of deposit.B.Deposit account.C.Current account.D.Both B and .答案:A解析 With what kind of deposit can a customer NOT use a cheque-book? 录音原文提到的三

47、种方法包括活期存款、储蓄存款、大额存单，只有大额存 单不能使用支票簿，其他两种部提到了，尽管有所差别。 3.A.3.55%.B.1.5%.C.3.5%.D.3.75%.答案:C解析 What is the interest rate for maintaining a deposit account? 录音原文提到Second, youve got a deposit account, which usually pays about 3.5%interest, less tax. 储蓄存款支付税前利率3.5%。 Part Two ReadingSection OneDirections: T

48、here are three passages in this section. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A, B, C and D.Passage 1 Fractional reserve banking is the practice of keeping only a traction of deposits in the form of reserves. Depository i

49、nstitutions (commercial banks, savings 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 a

50、ssets, from which the depository institutions 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

51、a different type of portfolio of assets, 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, wi

52、ll be used. It is assumed that federal 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 t

53、hey may be held in a deposit at a regional 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. 1. Why do the depository inst

54、itutions have the fractional reserve banking?A.Because they can keep a large amount of deposits from their depositors in the form of reserves.B.Because most of their depositors would withdraw their deposits.C.Because only a small fraction of their depositors would deposit money during a day or week.

55、D.Because they can meet the need of withdrawing of their depositors and make investments in other financial assets.答案:D文章第一段提到Depository institutionsweek to withdraw their deposits。存款准备金是指金融机构为保证客户提取存款和资金清算需要而准备的在中央银行的存款。存款机构能这样做是因为存款者在不定的时间内会提取存款。只有D选项的意思是与题意相符。2. What is the main source of income

56、of the depository institutions?A.Different types of portfolio.B.Bills, notes and bonds.C.Deposits invested in financial assets.D.Large amount of assets.答案:C文章第二段提到Those income-earning financial assetsmortgage loans for housing。银行的收入来源很广，包括与个人与签订的bills, notes, and bonds等等，概括起来就是Deposits invested in financial assets。3. How can we know the management of financial assets?A.From the assets area of special expertise.B.From the portfolio of the assets.C.From the scale of the assets.D.From the reserve banks.答案:B文章第二段提到a different type of p