[语言类考试复习资料大全]金融英语初级模拟4

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金融英语初级模拟4金融英语初级模拟4Part One ListeningSection OneDirections: In this section, you will hear 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 ma

2、rked A, 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 the center. (如需获取本MP3听力录音请搜索标题名) 1.A.Debt isnt a stimulant to growth.B.Debt can stimulate growth.C.Debt is the only stimulate to growth.D.Money can stimulate gro

3、wth.答案:B解析Debt, of course, can be a stimulant to growth.2.A.Very few types of health insurance programs have been devised.B.Various types of health insurance programs have been devised.C.People dont want to deal with the unforeseeable risks to health through accident or illness.D.Unforeseeable risks

4、 to health should be dealt with.答案:B解析To deal with the unforeseeable risks to health through accident or illness, various types of health insurance programs have been devised.3.A.About one third of the members are specialists.B.The specialists dont act as dealers and brokers.C.About one - fourth of

5、the members are specialists.D.Half of the members are specialists.答案:C解析About one - fourth of the members are specialists, who act as both dealers and brokers.4.A.The currency of one country can be used for making payments on another country.B.Different nations have the same monetary units.C.The use

6、 of foreign exchange arises because different nations have different monetary units.D.Foreign exchange doesnt exist now.答案:C解析The use of foreign exchange arises because different nations have different monetary units, and the currency of one country cannot be used for making payments in another coun

7、try.5.A.The aim of such control is to raise the demand for foreign exchange.B.The aim of such control is to decrease the supply of foreign exchange.C.The aim of such control isnt to maintain a stable exchange rate.D.The aim of such control is to maintain a stable exchange rate.答案:D解析The aim of such

8、control is to limit the demand for and to increase the supply of foreign exchange in order to maintain a stable exchange rate. (如需获取本MP3听力录音请搜索标题名) 6.A.Risks may emerge at any time in the course of operation and management.B.When the project is completed, risks will not emerge.C.When the project is

9、transferred to operation, risks will not emerge.D.Risks will not emerge in the course of operation and management.答案:A解析Even if the project is completed and transferred to operation, risks may emerge any time in the course of operation and management.7.A.Now the news media are filled with reports of

10、 businesses separating into different parts.B.In the past few years, a lot of businesses combined and split to form new businesses.C.There are no reports of businesses combined to form new businesses recently.D.There are very few reports of businesses combined to form new businesses recently.答案:B解析I

11、n the past few years, the news media has been filled with reports of businesses combining and splitting to form new businesses.8.A.The World Trade Organization.B.The World Health Organization.C.The International Bank for Reconstruction and Development.D.The International Labor Organization.答案:C解析The

12、 International Bank for Reconstruction and Development, also known as the World Bank, is a specialized agency of the United Nations.9.A.The bank doesnt charge anything for exchanging foreign currency.B.The bank charges a certain amount of money for exchanging foreign currency.C.You cant change forei

13、gn currency,.D.You can change foreign currency in that bank.答案:B解析The bank charges a certain fee for exchanging foreign currency.10.A.Most banks only provide consultant and information service.B.Most banks dont provide consultant and information service.C.Most banks provide not only the banking busi

14、ness but also consultant and information service.D.Most banks only provide the banking business.答案:C解析Besides the banking business most banks provide their customers with consultant and information service.Section TwoDirections: In this section, you will hear ten short conversations. At the end of e

15、ach conversation, a question will be asked about what was said. The conversation and the question will be spoken only once. During the pause, you must read the four choices marked A, B, C, D, and decide which is the best answer. Then mark the corresponding letter on the ANSWER SHEET with a single li

16、ne through the center. (如需获取本MP3听力录音请搜索标题名) 1.A.The woman wants to open a checking- savings account.B.The woman wants to deposit a large sum of money.C.The woman neednt deposit a large sum of money.D.The woman must deposit a large sum of money.答案:A解析W: Do I have to deposit a large sum of money if I

17、want to open a checking- savings account?M: Not necessarily.Q: Which of the following statements is true?2.A.No, not necessarily.B.Yes, she should recognize them immediately.C.Yes. But she can refer to file record of their signatures.D.No, she neednt do so.答案:C解析W: Will I have to learn to recognize

18、all our customers authentic signatures?M: Yes, you will. Any check we cash must have a genuine signature. But we keep a file of them that you call refer to.Q: Is it necessary for her to recognize all our customers authentic signatures?3.A.She wants to stay in Germany.B.She wants to stay in the U. S.

19、C.She wants to buy some American dollars with DM.D.She wants to buy some DM with American dollars.答案:D解析M: I want to get some DM for my stay in Germany. Can I Buy them with American dollars?W: Of course, we are an authorized foreign exchange bank and can exchange them for you.Q: What does the man wa

20、nt to do?4.A.Service fee.B.Cable and fax fee.C.Indirect fees.D.Tax.答案:B解析W: What about the service fee?M: For our long - term clients we only charge some direct fees like cable or fax fee.Q: What will they charge for long- term clients?5.A.820.76B.820.73C.830.76D.820.67答案:A解析W: Whats the rate of US

21、dollar against RMB Yuan today?M: Let me see, the buying rate is RMB 820.76 yuan per hundred dollars.Q: What is the buying rate? (如需获取本MP3听力录音请搜索标题名) 6.A.In a supermarket.B.In a department store.C.In a bank.D.In an office.答案:C解析W: Can I help you?M: Yes, Id like to open a bank account.Q: Where is the

22、man?7.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.答案:B解析W: Can you talk about the characteristics of credit cards ?M: The credit card is a plastic card carrying a line of credit

23、 ranging from several hundred to several thousand douars or more.Q: Which of the following is not the characteristic of credit cards?8.A.DollarB.EuroC.French FrancD.Swiss Franc答案:D解析W: Do you know the name of the currency of Switzerland?M: Yes, Swiss Franc.Q: What is the name of currency of Switzerl

24、and?9.A.RMB 20B.RMB 12C.$ 20D.RMB 21答案:A解析W: How much is the service fee of the Peony card?M: For the common card, the yearly fee is RMB 20.Q: How much is the yearly service fee of the Peony card?10.A.She criticizes ABC Bank.B.She wants to expand their business into China.C.She thinks highly of ABC

25、Bank.D.She praises ABC Bank.答案:B解析W: ABC Bank as one of the worlds leading banks, it has made a significant contribution to world trade and development, so we want to expand our business into China.M: You are welcome.Q: What does the woman want to do?Section ThreeDirections: In this section you will

26、 hear three short passages. At the end of each passage, you will hear some questions. The passages and the questions will be spoken only once. After you hear a 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 SHEE

27、T with a single line through the center.Passage One (如需获取本MP3听力录音请搜索标题名) 1.A.$ 1 million.B.$ 1 trillion.C.$ 2 trillion.D.$ 20 million.答案:B解析 21-23 BOASTING a global network and nearly US $ I trillion in assets, tile Hong Kong and Shanghai Banking Corporation has many advantages over its competitors.

28、 Now its planning to bring those to China when it opens tile sector to private investment. HSBC is a London - based banking conglomerate, established in 1865 to finance the growing trade between China and Europe. It generates over a third of its profits from Asia and, like nearly all big banks, is e

29、yeing Chinas US $ 1.2 trillion in savings for future exploitation. China is just beginning to open up to foreign banks, part of reforms promised in return for tile countrys entry into the World Trade Organization (WTO). HSBCs global franchise, which is evenly distributed across Asia, Europe and the

30、Americas on a profit basis, is something any bank would envy. 21. How much money does HSBC have in assets?2.A.In 1865.B.In 1965.C.In 1968.D.In 1869.答案:A解析When was HSBC established?3.A.HSBC has many advantages over its competitors.B.HSBC is a foreign bank.C.HSBC is a London - based banking conglomera

31、te.D.HSBCs global franchise is something ally bank would envy.答案:B解析Which of the following is not true?Passage Two (如需获取本MP3听力录音请搜索标题名) 1.A.Industrial and Commercial Bank of China.B.Agricultural Bank.C.Bank of Communications.D.The State Development Bank.答案:D解析 24-26 In China, the personal money mana

32、gement services are still in the stage of exploration. Industrial and Commercial Bank of China, Bank of China, Agricultural Bank and Bank of Communications have put forward the conception but have not yet established some mature modes as well as a series of effective operational processes and servic

33、e concepts. As far as market space is concerned, the situation is just the opposite. Foreign banks have entered the Chinese market but the scope of business is small; the domestic banks have fewer restrictions but are lagging behind in services. Hence, the Chinese and foreign banks have both strong

34、points as well as weak points, and they are engaged in an unequaled game on the market of Chinas personal financial services. 24. In China, some banks have put forward the concept of personal financial services, but havent carried it out. Which of the following doesnt belong to these banks?2.A.The s

35、cope of business of foreign banks is small.B.The domestic banks have more restrictions.C.The domestic banks are lagging behind in services.D.The domestic banks have fewer restrictions.答案:B解析Which of the following is not true about the differences between Chinese banks and foreign banks?3.A.The domes

36、tic banks.B.The foreign banks.C.The personal money management services.D.The different banks.答案:C解析Whats the passage mainly about?Passage Three (如需获取本MP3听力录音请搜索标题名) 1.A.Credit cardB.Electronic moneyC.BankD.Cash答案:D解析 27-30 Cash has been the root of much social and economic evil. The emergence of ele

37、ctronic funds - transfer technology makes it possible to change the nature of money and to divorce it from evil. Eight percent of Americans regularly use credit cards. The development of a federal system to handle the countrys 300 billion annual cash transactions in the United States electronically

38、is within reach. The procedure for using electronic money commercially would be practically the same as it is with present - day credit - card transactions and hardly requires explaining. Well over 95 % of cash transactions are in commercial settings. The use of cash has diminished substantially sin

39、ce World War II. Some economists believe that cash in the United States will eventually be completely overtaken by checks and credit cards in coming years. 27. What has been the root of much social and economic evil?2.A.Eighteen percentB.Eighty percentC.Eight percentD.Twenty- eight percent答案:C解析How

40、many Amercians regularly use credit card?3.A.95%B.59%C.19%D.15%答案:A解析Over how much percent of cash transactions are in commercial settings?4.A.The use of cash has increased substantially since World War .B.The cash in the U.S. will eventually be completely overtaken by checks and credit cards in com

41、ing years.C.The cash in tile U.S. will not be completely overtaken.D.The procedure for using electronic money commercially would be different as it is with present- day credit card transactions.答案:B解析Which of the following statements is true?Part Two ReadingSection OneDirections: Each of the followi

42、ng sentences is provided with four choices. Choose tile one that best completes the sentence.问题:1. If rates fall to the _ conversion price, the investor is locked an at that rate for the remaining life of the bond.A.requiredB.retainedC.groundD.set答案:D问题:2. _ allow management, which seldom owns a maj

43、ority of the shares, to control a majority of the votes and implement its decisions.A.ProxiesB.OfficialsC.ControllersD.Officers答案:A问题:3. The stock owner may cast all these _ votes for one director or divide them among several.A.commonB.keyC.cumulativeD.calculating答案:C问题:4. If exercised, the _ right

44、prevents dilution of ownership control when additional stock is issued.A.preferredB.preemptiveC.exemptD.exclusive答案:B问题:5. Financial markets have grown more _ since exchange rates were freed in 1973.A.weakB.liquidC.voidD.volatile答案:D问题:6. The result is that companies worldwide have been forced to co

45、me to _ with their financial risks.A.conditionsB.termsC.normsD.standard答案:B问题:7. As many have found to their _ , ignoring interest rate, currency or commodity risks car, hurt a company just as badly as tbe failure of a new product.A.feetB.surpriseC.standD.cost答案:D问题:8. Forwards are traded over - the

46、 - counter and can be _ to suit buyers needs.A.specifiedB.fundedC.customizedD.produced答案:C问题:9. A second general trend is that firms are _ the power of the computer to provide a sensitivity analysis of positions.A.nursingB.buildingC.raisingD.harnessing答案:D问题:10. A _ that bears repeating is that the

47、test of a dealer is not the ability to make profit but the ability to take losses early rather than hang on mail too late.A.teachingB.sayingC.moralD.truism答案:DSection TwoDirections: There. are. a number of blanks in each of the following passages. For each blank there are four choices marked A, B, C

48、 and D. You are supposed to choose the best answer and mark the corresponding letter on the ANSWER SHEET by drawing a single line through the center.Passage One In a simple economy 1 which only metallic coins were used, it was easy to define money, because only one form of generally 2 medium of exch

49、ange was in use. As forms of payment increased to 3 the needs of the U.S. economy, defining money became more complex. Differences of opinion developed about the items that should be 4 in the money supply. One definition of the money supply that evolved included currency and coin in the 5 of the pub

50、lic plus demand deposits held by the public in commercial banks. 1.A.inB.ofC.fromD.by答案:A2.A.grantedB.acceptedC.permittedD.allowed答案:B3.A.fillB.meetC.changeD.follow答案:B4.A.includedB.exercisedC.handledD.circulated答案:A5.A.homeB.pocketC.handsD.safe答案:CPassage Two By the mid - 1970s, this 1 of the money

51、 supply was denoted as M1 by the Fed. The Ma measure added time deposits and savings 2 held by the public in commercial banks to M1 but did not include certificates of deposit with denominations of $ 100,000 or more. At that time, Ms included all of the items in MI and M2 3 deposits at savings banks

52、 and S 答案:D2.A.accountsB.receiptsC.certificateD.deposits答案:D3.A.plusB.addingC.withoutD.except答案:A4.A.AtB.InC.ForD.By答案:D5.A.happeningB.makingC.taking placeD.continuing答案:CSection ThreeDirections: Read the following passages and determine whether the sentences are Right or Wrong. If there is not enou

53、gh information to answer Right or Wrong, choose Doesnt say. Then mark tile corresponding letter on the ANSWER SHEET by drawing a single line through the center.Passage One Providing for a payments mechanism is a costly activity. Indeed, managing the payments mechanism can absorb up to a third of tot

54、al bank costs. Cost items include wages for tellers and bookkeepers, computers and maintenance, advertising, and substantial amounts of other equipments and supplies. A large portion of employee time is spent performing the payments mechanism function. Service charges do not cover all of these expen

55、ses. The expansion of computerized payment systems promises to reduce the employee time and paperwork involved in transferring funds. The introduction of automatic teller machines (ATMs) has heralded the inauguration of computerized systems that permit 24 - hour banking services, such as electronic

56、withdrawal of cash from ones deposit accounts. Highly advanced ATMs offer customers such additional services as access to their mutual fund account, purchase or sale of stocks, payment of utility and store bills, and printouts of bank statements. Another related electronic development has been the trend toward Internet banking based on the IT (Information Technology). Inter