[语言类考试复习资料大全]初级银行综合类模拟(听力部分暂无答案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初级银行综合类模拟(听力部分暂无答案12初级银行综合类模拟(听力部分暂无答案12一、听力题Directions: In this section, you will hear ten 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

2、marked 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.Our publicity is dealt with by a professional company.B.A public relation problem arises.C.The public relation officer has

3、 a firm attitude in handling the problem.D.Our company will go public.答案:解析A public relations firm is handling all our publicity.2.A.We hope our funds can be increased.B.To get back the money is our hope.C.We hope our funds can be kept without danger.D.To make more profit is our hope.答案:解析We hope ou

4、r funds can be recouped safely and quickly.3.A.We would like to be paid for the stock.B.We would like to adapt ourselves to the present situation.C.Installment is acceptable for the transactions at present.D.We would like to store our money here.答案:解析We would like to adopt payment by installments fo

5、r our present transaction.4.A.Its a responsibility to calculate the invoice.B.Its a responsibility to accumulate the values.C.There will be a taxation on the invoices.D.There will be a taxation which will be calculated according to the amount on the invoice.答案:解析The duty shall be calculated against

6、the invoice value.5.A.Accountants have to understand the accounting data and reports.B.The international accounting is important.C.The translating of data and report is accountable.D.The responsibility of accountants is to translate the accounting data and reports.答案:解析The interpretation of accounti

7、ng data and reports is an important responsibility of accountants. (如需获取本MP3听力录音请搜索标题名) 6.A.Please ask your London bank to hand out this.B.Please ask your subsidiary bank to do this.C.Please ask a similar London bank to deal with the problem.D.Please ask the bank in London which has a correspondent

8、relationship with you to deal with the problem.答案:解析Please ask your correspondent bank in London to handle this.7.A.The tax return is not shown in the income.B.The income 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 i

9、ncome that should be taxed.答案:解析The tax return does not show accrued income.8.A.The indicating machines need to be repaired in the future.B.All indicators explain the improvement of the future.C.Major indexes show a better near future.D.All the leaders gave advice on the future.答案:解析All leading indi

10、cators suggest an upswing in the near future.9.A.Here is the discount window.B.The discount rate of the window dressing must be put in figures.C.We must reduce the price of the window dressing a lot.D.We buy the window dressing at a cheaper price.答案:解析We must discount the window dressing in the figu

11、res.10.A.The plan of spending money sets us a standard.B.The plan of expending controls every aspect of our work.C.The budgetary authority has provided a lot of support.D.There should be specific budgetary controls.答案:解析Budgetary controls provide us with a specific yardstick.二、单项选择问题:1. She _ 10 000

12、 to charity in her will.A.auditedB.settledC.bequeathed答案:C问题:2. You have to pay high _ on an estate.A.trust fundsB.taxesC.returns答案:B问题:3. The _ will distribute the property of the deceased according to his last will and testament.A.heirB.executorC.returns答案:B问题:4. In the U. S. , people must fill ou

13、t their tax _ by April 15.A.returnsB.appraisalsC.bequests答案:A问题:5. My lawyer will _ my will.A.draw upB.name asC.probate答案:C问题:6. The spot rate of United States dollars is 1.591.60; the three month premium is 0.500.45 cents. What is the rate at which a UK bank would buy dollars under a three -month f

14、ixed forward contract?A.1. 5945B.1. 5955C.1. 6045D.1. 6050答案:B问题:7. There are four main methods of securing payment in international trade: (1) payment under documentary credit (2) open account (3) collection that is documents against payment or acceptance of a bill of exchange (4) payment in advanc

15、e From an exporters point of view the order of preference is _. A.(1), (2), (3), (4)B.(4), (3), (1), (2)C.(4), (I), (3), (2)D.(2), (4), (1), (3)答案:C问题:8. According to the Commercial Banking Law of our country the total sum of the working capital to be allocated to all branches shall not exceed _ of

16、the total capital of the commercial bank.A.50%B.40%C.60%D.70%答案:C问题:9. Under FOB terms the bill of lading would state _.A.goods loaded on board freight paidB.goods loaded on board freight payable at destinationC.goods received for shipment freight paidD.goods received for shipment freight payable at

17、 destination答案:B问题:10. From the point of view of a Chinese bank, _ is our banks account in the books of an overseas bank denominated in foreign currency.A.a vostro accountB.a nostro accountC.a mirror accountD.a record account答案:B三、完型填空 abbreviations, overseas, addressee, efficient, punctuation, hyph

18、enated, telegraphic, brief, minimum, urgent A telegram sent to another country is often called a 1 When there is an 2 message to give or a demand to make, the telegram is the quickest and most 3 communication. It gives a 4 message in the 5 number of words, to reduce the cost. The language of telegra

19、ms is often difficult, as there is no 6 with the exception of the word STOP. Recognized 7 such as CIF, are also used but you must be careful to write signs which are recognized 8 . There are various rules about the number of words. For example, 9 words, such ms ready -made, are counted as one word.

20、The name of the 10 is included in the number of words. 1.答案: cable2.答案: urgent3.答案: efficient4.答案: telegraphic5.答案: minimum6.答案: punctuation7.答案: abbreviation8.答案: brief9.答案: hyphenated10.答案: addressee四、阅读理解 Credit and credibility In pursuit of a new source of profit, many of the entities that call

21、themselves banks have strayed far from the business of taking and safeguarding the publics deposits and running the payment system. Competition has forced banks to range so far, in so many directions and at such a lick that, perhaps for the first time since the days of Shylock, it is necessary to st

22、op to ask quite what is a bank. The gales of change will leave many banks looking different in form and substance from a decade ago. Banking is traditionally thought of as one business, not least of all by bankers. Yet, as Mr. Thomas Steiner of Mckinsey, a management consultancy, points out, it comp

23、rises around 150 different lines of business. There is little that is special about many of them. In future, plenty of these activities will be done by others, either instead of or as well as by banks. On the other side of the coin, many of the things that other financial institutions now do will be

24、- come the business of some banks. Banking will still be a principality in the kingdom of financial services, but its heartland will shrink. Outsiders will move in. Much of the native population will settle elsewhere. The bankers diaspora will be wide. Crossing the divides This change is already see

25、n in America, Europe and Japan. American and Japanese commercial banks are pushing their merchant banking as deeply into the securities business as they feel the regulators will let them get away with. Citicorp and J. P. Morgan have all been al- lowed to set up securities - underwriting affiliates s

26、lipping through the Section 20 loophole of the legislation separating commercial and investment banking. The two businesses have become so interwoven that, as Mr. Dennis Weatherstone, president of J. P. Morgan, says, we really have to rip the fabric to separate the threads. For their part, investmen

27、t banks and securities houses have become direct suppliers of credit to wide range of financial and non - financial customers. They offer investment products that are virtual substitutes for interest - earning demand deposits. They own and operate non - bank banks that give access to payment systems

28、. In short, they have become providers of services that commercial banks have traditionally offered. Though forbidden from commercial banking in their home market, American and Japanese investment banks and securities houses happily run such banking affiliates abroad. It is not only the boundaries b

29、etween the banking and securities industries that are becoming blurred. So are those with insurance and commerce. Bankers are becoming everyday occurrences. Japans Nippon Life joined the act in February by taking a 4% stake in Spains Banco Bilbao Vizcaya for 250m. At home, Japanese insurers already

30、have affiliations with banks, through the web of cross - shareholdings of the big industrial groups. Americas third biggest re- tail stock broking firm, Pru - Bache, has dipped in the waters of banking by buying a small bank in Georgia and more recently a thrift. Everywhere ordinary commercial firms

31、 are making deep insurance into financial services. Retailers and manufacturers own securities companies, insurance firms thrifts and non - bank banks. They offer a wide range of credit, investment - banking and insurance services, to companies and individuals alike. 1. What does the pronoun themsel

32、ves (line 2) refer to in the text?A.sourcesB.entitiesC.hanksD.companies答案:B2. Which of the following statements is False according to the text?A.Competition is gradually forcing banks to question their identity.B.Most of the different activities done by banks could be done by other types of institut

33、ion.C.Regulations in America and Japan are preventing commercial banks from getting into the securities business.D.Separating the commercial and investment banking activities of some American banks would be very difficult.答案:B3. What does this sentence mean? Banking will still be a principality in t

34、he kingdom of financial services, but its heartland will shrink. A.Banking will still be the most important part of financial services.B.Banking will be absorbed by other areas of financial service.C.Banking will remain an independent but smaller area of financial services.D.Bankings position within

35、 financial services will be unchanged.答案:ASingle, but not level The 1992 programme is going to run a bit late for the European Communitys financial services companies. The earliest that the whole - more or less - of the industry will be able to take advantage of its single market now looks like bein

36、g mid - 1994. That is the European Commissions unstated timetable for EC member countries to implement its third life - insurance directive, whose draft is published on February 20th. The directive, which follows similar directive on non -life insurance published in draft a few months ago, is the la

37、st big element in its push to open financial markets that are still highly protected. The broad idea is that financial service companies should have the right to operate through- out the EC on the basis of a single passport, issued by the supervisory authority in their home country. The commission h

38、oped to have the main insurance - all liberalised together at the end of 1992. Now it looks as if only the banking directive, adopted by the Council of Ministers in December 1989, will be operative in time. A draft investment services directive was submitted by the commission to the council in Janua

39、ry 1989, and is much further along the legislative road than the two insurance directives. Yet the obstacles that it has run into make it probable that even it will miss the end - 1992 deadline. The directive would let investment banks and stockbrokers serve clients throughout the EC and trade on al

40、l EC exchanges, subjected only to home - country control. Problems arose last November, when France proposed to curb their freedom to trade securities outside recognised exchanges. This has split the EC into the usual north/south, liberal/interventionist groups. The 12 finance ministers will try aga

41、in on February 25th, but progress is unlikely. Eventually, a compromise will no doubt be reached, probably one saying that small investors should have their orders executed on official markets unless they want otherwise. But all this will take time to negotiate. The council is unlikely to adopt the

42、directive formally much before the end of this year. Governments will then be hard put to get it on to their national statute books by mid-1993. Do the delays in the investment services and insurance directives matter? The EC is adept at missed deadlines, and end - 1992 was never carved in stone. Th

43、e trouble is that banks, investment houses and insurers are now in competition with each other. Banks therefore will have a head start over their non - banking rivals in selling competitive products across the EC. Instead of the single, level playing field for financial services that the Community t

44、alks of, the field will indeed be single but still sloping from one end to the other. Senior commission officials say that it is up to national governments to get a move on. This is wishful thinking. On February 19th the British government began consulting with interested parties on last autumns non

45、 -life -insurance draft directive. This process will take months to complete, and only then, say the British, will they be able to begin serious negotiations in the Council of Ministers. The draft life directive, while sharing some principles with the non-life draft, also poses new problems that wil

46、l take time to resolve. These concerns such issues as consumer protection (that is, disclosure, supervision and so on), calculating technical provisions to meet insurers liabilities, and the removal of certain national provisions like Belgiums ban on life - insurance policies linked to unit trusts.

47、4. Match the following ideas to the paragraphs they refer to. (i) The directive about insurance is the final element for the new open market. (ii) The British Government is not moving as quickly as the European Commission wants. (iii) Reaching a compromise over French objections will take time. (iv)

48、 Problems with the draft life-insurance directive are delaying its progress. (v) The single European financial market will not come about before 1994. (vi) If banking unification occurs first it will give banks a competitive advantage in the single market. (vii) French objections on stock trading ha

49、ve slowed investment services authorisation. (viii) Permission for financial institutions to act throughout the EC will be provided by one authorisation. (ix) Investment services legislation is more advanced than for insurance. 答案:(略)5. Look Carefully at Paragraph 7. Then decide which of the followi

50、ng is the best explanation of the last sentence in that paragraph.A.Banks will not be in competition with insurance companies and investment service companies after 1992.B.Only banks will be allowed to alter their areas of activity after 1992.C.Banks will have an unfair advantage over other financia

51、l institutions from 1922.D.The European Commission wishes to give banks a special position in the single market.答案:B五、英释汉问题:1. From a technical point of view, international economic integration can be a limited process, i. e. the elimination of tariffs and quantitative restrictions.答案:从法律角度看，世界经济全球化

52、是一个受到限制的过程，比如，一个清除关税和数量限制的过程。问题:2. The globalization of the insurance industry has been accelerating as mergers and acquisitions have continued to cross country borders.答案:随着兼并愈来愈跨国界地进行，保险业的全球化一直在加速。六、判断正误 The most basic tool of the account is the accounting equation. This equation presents the asse

53、ts of the business and the claims to those assets. Assets are economic resources of a business that are expected to be of benefit in the future. Cash, office supplies merchandise, furniture, land and buildings are examples; Claims to those assets come from two sources. Liabilities are outside claims

54、, which are economic obligations, debts payable to outsiders. These outside parties are called creditors. For example a creditor who has loaned money to a business has a claim- a legal right - to a part of the assets until the business pays the debt, insider claims are called owners equity or capita

55、l. These are the claims held by the owners of the business. Owners equity is measures by subtracting liabilities from assets. 1. The owners of a business are those who have invested their money in the business. There- fore, they are the only persons who have the right of claims to the assets of the

56、business.A.RightB.WrongC.Doesnt say答案:B2. The amount of liabilities of business tells us how much the business owes to outsiders.A.RightB.WrongC.Doesnt say答案:A3. Assets is measures by subtracting owners equity from liabilities.A.RightB.WrongC.Doesnt say答案:B There are usually two kinds of ledgers: 1. General ledger: It contains the controlling accounts for each of the subsidiary ledgers. A controlling account in the general ledger shows in summary form what appears in detail in the corresponding subsidiary ledger. There is often a separate controlling account for each subsidiary