[语言类考试复习资料大全]银监财经专业模拟23

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银监财经专业模拟23银监财经专业模拟23一、经济金融基础知识单项选择题在每题给出的四个选项中，只有一项是符合题目要求的。问题:1. 在一般情况下，厂商得到的价格若低于以下_成本就停止营业。A.平均B.平均可变C.边际D.平均固定答案:B解析 当厂商的平均收益AR等于平均可变成本AVC时，厂商可以继续生产，也可以不生产，也就是说，厂商生产或不生产的结果都是一样的。所以当价格等于AVC时成为停止营业点或者是关闭点。问题:2. 商业信用工具主要是_。A.银行存款B.政府债券C.商业票据D.现金答案:C解析 按

2、信用形式划分，信用工具可分为商业信用工具，如各种商业票据等；银行信用工具，如银行券和银行票据等；国家信用工具，如国库券等各种政府债券；证券投资信用工具，如债券、股票等。问题:3. 价格是影响需求的最重要的因素，一般来说，价格和需求的变动呈_。A.正方向变化B.反方向变化C.不相关D.完全等价答案:B解析 一般而言，产品自身价格和需求的变动呈反方向变化。问题:4. 需求量的变动是指_。A.由于消费者收入的变动引起的需求的变动B.由于消费者偏好的变动引起的需求的变动C.同一条需求曲线上点的移动D.需求曲线的移动答案:C解析 选项ABD都是关于需求变动的描述。需求量的变动，是假定其他因素不变，价格变

3、动对需求的影响。需求量的变动是由价格的变动引起的，是同一条需求曲线上点的移动，价格上升，需求减少；价格下降，需求增加。问题:5. 菲利普斯曲线表明工资增长与失业水平之间存在着_。A.正相关关系B.负相关关系C.完全相关关系D.不完全相关关系答案:B解析 菲利普斯曲线表明工资增长与失业水平之间存在着负相关关系。二、银监财经类专业单项选择题在每题给出的四个选项中，只有一项是符合题目要求的。问题:1. 下列选项中，不属于银行信用风险的是_。A.信用质量发生变化B.交易对手未能履行合同C.外部欺诈D.债务人未能履行合同答案:C解析 信用风险又称为违约风险，是指债务人或交易对手未能履行合同所规定的义务或

4、信用质量发生变化，从而给银行带来损失的可能性。对大多数银行来说，信用风险几乎存在于银行的所有业务中，既存在于传统的贷款、债券投资等表内业务中，也存在于信用担保、贷款承诺等表外业务中，还存在于场外衍生品交易中。因此，信用风险是银行最为复杂的风险种类，也是银行面临的最主要的风险。问题:2. 菲利普斯曲线是一条_。A.水平线B.向右下方倾斜的曲线C.垂线D.向右上方倾斜的曲线答案:B解析 菲利普斯曲线反映的是失业率和通货膨胀率之间此消彼长的关系，即通货膨胀率上升，则失业率下降；通货膨胀率下降，则失业率上升。因而，它是一条向右下方倾斜的曲线。问题:3. 利率期货的基础资产为价格随市场利率波动的_。A.

5、股票产品B.债券产品C.基金产品D.外汇产品答案:B解析 所谓利率期货是指以债券类证券为标的物的期货合约，它可以回避银行利率波动所引起的证券价格变动的风险。问题:4. 关于银行贷款风险，下列陈述正确的是_。A.为减少贷款风险，应扩大抵质押贷款比重B.为减少贷款风险，应对存、贷款实行固定利率C.为减少贷款风险，应尽量延长贷款期限D.为减少贷款风险，应减少贷款损失准备金提取答案:A解析 抵质押贷款属于担保贷款，风险较小，所以A选项正确；对存、贷款实行固定利率，不能有效的规避贷款中的利率风险；贷款期限越长，风险越大；贷款损失准备金是根据贷款风险引起的可能损失提取的，减少贷款损失准备金不能降低贷款风险

6、。问题:5. 银行监管人员关注金融集团并表监管的主要原因是_。A.保护集团内各实体债权人B.评估集团内其他实体可能对集团内银行造成的风险C.确保集团内各法人实体均满足资本监管要求D.保证银行不向集团内企业发放信贷答案:B解析 并表监管的主要对象是银行集团的整体风险状况，关注母银行与附属机构、附属机构之间的交易，以及非银行业务及境外业务可能带来的风险。问题:6. 根据中华人民共和国银行业监督管理法，银监会应根据银行业金融机构的_和风险状况，确定对其现场检查的频率、范围和需要采取的其他措施。A.评级情况B.业务范围C.机构性质D.网点数量答案:A解析 中华人民共和国银行业监督管理法第27条规定，国

7、务院银行业监督管理机构应当建立银行业金融机构监督管理评级体系和风险预警机制，根据银行业金融机构的评级情况和风险状况，确定对其现场检查的频率、范围和需要采取的其他措施。问题:7. 金融宏观调控的核心是_。A.财政政策B.产业政策C.货币政策D.收入政策答案:C解析 金融宏观调控以货币政策为核心。问题:8. 内部时滞的长短取决于_。A.央行对金融的调控能力强弱B.政策操作力度C.金融部门、企业部门对政策工具的弹性大小D.我国金融形势特点答案:A解析 内部时滞的长短取决于央行对金融的调控能力强弱。问题:9. 介于货币政策工具变量和货币政策目标变量之间的变量指标是_。A.操作目标B.最终目标C.中介目

8、标D.基本目标答案:C解析 中介目标又称为中间目标、中间变量，是介于货币政策工具和货币政策最终目标变量之间的变量指标。问题:10. 金本位制下，_是决定两国货币汇率的基础。A.货币含金量B.铸币平价C.中心汇率D.货币实际购买力答案:B解析 铸币平价即铸币本身的价值的对比。问题:11. 假设一国货币供给量为18亿元，基础货币为6亿元，则该国的货币乘数为_。A.2B.3C.4D.6答案:B解析 货币乘数=货币供给量/基础货币。问题:12. 下列属于银行附属资本的是_。A.盈余公积B.资本公积C.未分配利润D.长期次级债券答案:D解析 本题考查附属资本包括的内容。附属资本包括重估储备、一般准备、优

9、先股、可转换债券和长期次级债券。问题:13. 凯恩斯的货币需求函数中，投资品货币需求主要受_的影响。A.投机性B.利率水平C.国民收入D.物价水平答案:B解析 凯恩斯的货币需求函数中，投资品货币需求主要受利率水平的影响。问题:14. 下列资产中，商业银行随时可调度、使用的资金头寸是_。A.法定存款准备金B.派生存款C.超额准备金D.存款准备金答案:C解析 超额准备金是指商业银行及存款性金融机构的存款准备金减去法定存款准备金后的剩余部分，是商业银行随时可以调度、使用的资金头寸。问题:15. _是金融市场上最活跃的交易者，在金融市场上扮演着资金需求者和资金供给者的双重身份。A.家庭B.企业C.金融

10、机构D.政府答案:C解析 本题考查金融市场主体的相关知识。金融机构是金融市场上最活跃的交易者，在金融市场上扮演着资金需求者和资金供给者的双重身份。问题:16. 如果一国出现了短期利率、资产价格的急剧、短暂、超周期的恶化，则说明该国出现了_。A.货币危机B.银行危机C.外债危机D.系统性金融危机答案:D解析 狭义的金融危机也就是系统性金融危机，是全部或大部分金融指标，短期利率、资产(证券、房地产、土地)价格、商业破产数和金融机构倒闭数的急剧、短暂和超周期的恶化。问题:17. _是指有关主体(主要是跨国公司)在因合并财务报表而引致的不同货币的相互折算中，因汇率在一定时间内发生意外变动，而蒙受账面经

11、济损失的可能性。A.交易风险B.折算风险C.经济风险D.投资风险答案:B解析 一个国际企业组织的全部活动中，即在它的经营活动过程、结果、预期经营收益中，都存在着由于外汇汇率变化而引起的外汇风险，在经营活动中的风险为交易风险，在经营活动结果中的风险为会计风险、预期经营收益的风险为经济风险。投资风险是指对未来投资收益的不确定性，在投资中可能会遭受收益损失甚至本金损失的风险。问题:18. 凯恩斯把货币供给量的增加并未带来利率的相应降低，而只是引起人们手持现金增加的现象叫_。A.资产泡沫B.货币紧缩C.流通性陷阱D.货币膨胀答案:C解析 本题考查流动性陷阱的概念。问题:19. 金融自由化与金融监管的关

12、系是_。A.金融自由化就不应再有金融监管B.金融自由化与金融监管完全没有矛盾C.要加强金融监管，就不能有金融自由化D.金融自由化并不否认金融监管答案:D解析 金融自由化并不否认金融监管。问题:20. 狭义的短期政府债券仅指_。A.国库券B.政府代理机构所发行的债券C.地方政府发行的债券D.国家财政部门发行的债券答案:A解析 狭义的短期政府债券仅指国库券。三、银监财经类专业多项选择题下面各题，每题至少有两个正确答案。问题:1. 根据近代世界各国发生通货紧缩的情况分析，通货紧缩的成因有_。A.货币紧缩B.资产泡沫破灭C.流动性陷阱D.多种结构性因素 A B C D答案:ABCD解析 货币紧缩如美国

13、19201921年，资产泡沫如20世纪80年代末期的日本，多种结构性因素如军费、赤字、科技进步、全球化、壁垒打破等造成物价长期下跌，流动性陷阱如20世纪90年代的日本，都是通货紧缩的表现。问题:2. 弗里德曼把影响货币需求量的诸因素划分为_。A.各种金融资产B.恒常收入与财富结构C.各种资产预期收益和机会成本D.各种随机变量 A B C D答案:BCD解析 弗里德曼把影响货币需求量的因素划分为三组：恒常收入和财富结构；各种资产的预期收益和机会成本；各种随机变量。问题:3. 按照金融工具的交易程序不同，金融市场可划分为_。A.资本市场B.流通市场C.发行市场D.传统金融市场 A B C D答案:

14、BC解析 按照金融工具的交易程序不同，金融市场可以分为发行市场和流通市场。问题:4. 目前中国人民银行采取的利率工具主要包括_。A.调整中央银行基准利率B.调整金融机构法定存贷款利率C.制定金融机构存贷款利率的浮动范围D.制定相关政策对各类利率结构和档次进行调整 A B C D答案:ABCD解析 选项ABCD即为中国人民银行采用的主要利率工具内容。问题:5. 下列选项属于中央银行投放基础货币的主要渠道的有_。A.实施从紧的货币政策B.对商业银行等金融机构的再贷款C.购买政府部门(财政部)的债券D.收购金、银、外汇等储备资产投放的货币 A B C D答案:BCD解析 中央银行投放基础货币的主要渠

15、道有三条：对商业银行等金融机构的再贷款；收购金、银、外汇等储备资产投放的货币；购买政府部门(财政部)的债券。四、英语阅读理解题阅读下列短文，从每题所给的四个选项(A、B、C和D)中，选出最佳选项。 If the trade unionist Jimmy Hoffa were alive today, he would probably represent civil servant. When Hoffas Teamsters were in their prime in 1960, only one in ten American government workers belonged to

16、 a union; now 36 do. In 2009 the number of unionists in Americas public sector passed that of their fellow members in the private sector. In Britain, more than half of public-sector workers but only about 15of private-sector ones are unionized. There are three reasons for the public-sector unions th

17、riving. First, they can shut things down without suffering much in the way of consequences. Second, they are mostly bright and well- educated. A quarter of Americas public-sector workers have a university degree. Third, they now dominate left-of-centre politics. Some of their ties go back a long way

18、. Britains Labor Party, as its name implies, has long been associated with trade unionism. Its current leader, Ed Miliband, owes his position to votes from public-sector unions. At the state level their influence can be even more fearsome. Mark Baldassare of the Public Policy Institute of California

19、 points out that much of the states budget is patrolled by unions. The teachers unions keep an eye on schools, the CCPOA on prisons and a variety of labor groups on health care. In many rich countries average wages in the state sector are higher than in the private one. But the real gains come in be

20、nefits and work practices. Politicians have repeatedly backloaded public-sector pay deals, keeping the pay increases modest but adding to holidays and especially pensions that are already generous. Reform has been vigorously opposed, perhaps most egregiously in education, where charter schools, acad

21、emies and merit pay all faced drawn-out battles. Even though there is plenty of evidence that the quality of the teachers is the most important variable, teachers unions have fought against getting rid of bad ones and promoting good ones. As the cost to everyone else has become clearer, politicians

22、have begun to clamp down. In Wisconsin the unions have rallied thousands of supporters against Scott Walker, the hardline Republican governor. But many within the public sector suffer under the current system, too. John Donahue at Harvards Kennedy School points out that the norms of culture in Weste

23、rn civil services suit those who want to stay put but is bad for high achievers. The only American public-sector workers who earn well above ￥250,000 a year are university sports coaches and the president of the United States. Bankers fat pay packets have attracted much criticism, but a public-secto

24、r system that does not reward high achievers may be a much bigger problem for America. 1. It can be learned from the first paragraph that _.A.Teamsters still have a large body of membersB.Jimmy Hoffa used to work as a civil servantC.unions have enlarged their public-sector membershipD.the government

25、 has improved its relationship with unionists答案:C解析 本文第一段的关键句是“In Britain, more than half of public-sector workers but only about 15% of private-sector ones are unionized.”由此可以推断出组织已经扩大了。所以答案是C。2. Which of the following is true of Paragraph 2? _A.Public-sector unions are prudent in taking actionsB.E

26、ducation is required for public-sector union membershipC.Labor Party has long been fighting against public-sector unionsD.Public-sector unions seldom get in trouble for their actions答案:A解析 本题的关键句是“First, they can shut things down without suffering much in the way of consequences”通过下文提示，综合可以推断出Public

27、-sector unions are prudent in taking actions。答案是A。3. It can be learned from Paragraph 4 that the income in the state sector is _.A.illegally securedB.indirectly addedC.excessively increasedD.fairly adjusted答案:B解析 根据本段上下文分析，可以推断出国营部门的收入是间接增加的。关键句是“keeping the pay increases modest but adding to holida

28、ys and especially pensions that are already generous”。4. The example of the unions in Wisconsin shows that unions _.A.often run against the current political systemB.can change peoples political attitudesC.may be a barrier to public-sector reformsD.are dominant in the government答案:A解析 关键句是“In Wiscon

29、sin the unions have rallied thousands of supporters against Scott Walker, the hardline Republican governor. But many within the public sector suffer under the current system, too.”由此结合上下文可以推出答案是A。5. John Donahues attitude towards the public-sector system is one of _.A.disapprovalB.appreciationC.tole

30、ranceD.indifference答案:A解析 关键句是“John Donahue at Harvards Kennedy School points out that the norms of culture in Western civil services suit those who want to stay put but is had for high achievers.”由此结合上下文可以推断出John Donahue对待国营部门的态度是不赞同的。 Exercise is one of the few factors with a positive role in long

31、-term maintenance of body weight. Unfortunately, that message has not gotten through to the average American, who would rather try switching to light beer and low-calorie bread than increase physical exertion. The Centers for Disease Control, for example, found that fewer than one-fourth of overweig

32、ht adults who were trying to shed pounds said they were combining exercise with their diet. In rejecting exercise, some people may be discouraged too much by caloric-expenditure charts: for example, one would have to briskly walk three miles just to work off the 275 calories in one delicious Danish

33、pastry (小甜饼). Even exercise professionals concede half a point here. Exercise by itself is a very tough way to lose weight, says York Onnen, program director of the Presidents Council on Physical Fitness and Sports. Still, exercises supporting role in weight reduction is vital. A study at the Boston

34、 University Medical Center of overweight police officers and other public employees confirmed that those who dieted without exercise regained almost all their old weight, while those who worked exercise into their daily routine maintained their new weight. If you have been sedentary (极少活动的) and deci

35、de to start walking one mile a day, the added exercise could burn an extra 100 calories daily. In a years time, assuming no increase in food intake, you could lose ten pounds. By increasing the distance of your walks gradually and making other dietary adjustments, you may lose even more weight. 6. W

36、hat is said about the average American in the passage? _A.They tend to exaggerate the healthful effect of light beerB.They usually ignore the effect of exercise on losing weightC.They prefer light beer and low-calorie bread to other drinks and foodD.They know the factors that play a positive role in

37、 keeping down body weight答案:B解析 在第一段中提到“that message has not gotten through to the average American, who would rather try switching to light beer and low-calorie bread than increase physical exertion”。这里的that message(那一信息)肯定应该在前一句，也就是“Exercise is one of the few factors with a positive role in long-t

38、erm maintenance of body weight”(锻炼是对长期保持体重起积极作用的少有因素之一)。词组“has not gotten through to”指的是“在中并不流行”，这里的意思就是那一信息对于一般美国人来说并没有受到重视。who引导了一个从句，是对一般美国人的描述。这里使用了would rather.than(宁可，也不)句型，意思是美国人宁可把兴趣投向淡爽啤酒和低卡路里面包，也不增加身体锻炼。四个选项中，B符合文意。7. Some people dislike exercise because _.A.they think it is physically exh

39、austingB.they find it hard to exercise while on a dietC.they dont think it possible to walk 3 miles every dayD.they find consulting caloric-expenditure charts troublesome答案:B解析 第二段专门对有些人不喜欢锻炼的原因进行了说明，主要有两句话。第一句“some people may be discouraged too much by caloric-expenditure charts”，这句话的意思是“卡路里消耗表会使有些

40、人非常泄气”，后面给出了原因，即锻炼消耗的卡路里太少。由此看来，并不是他们觉得参考卡路里消耗表麻烦，D的说法不对。第二句借专业人士之口说出了原因“Exercise by itself is a very tough way to lose weight.”“tough”这个词强调艰苦、艰难性，也就是说用锻炼来减肥太过于艰难了。与前面消耗卡路里的说法结合起来就是：因为锻炼消耗的卡路里非常少，所以要想减肥的话，锻炼的投入要非常大才能起到效果。8. Even exercise professionals concede halfa point here(Line 3,Para. 2) means They _.A.agree that the calories in a small piece of pastry can be difficult to work off by exerciseB.partially believe