剑桥商务英语高级-123

剑桥商务英语高级-123(总分：92.00，做题时间：90分钟)一、Exercise1(总题数：10，分数：20.00)1.The1980swereagoodtimeforfinancialinstitutionstolendmoneytodevelopingcountries.（分数：2.00）A.正确B.错误√解析：2.Aloanismadetoacompanytogetadividend.（分数：2.00）A.正确B.错误√解析：3.Whenthereistoomuchmoneyinaneconomy,agovernmentwillencouragelending.（分数：2.00）A.正确B.错误√解析：4.Merchantbanksmainlydealwiththegeneralpublic.（分数：2.00）A.正确B.错误√解析：5.Acceptinghousesbuyhousesfortheirclientsandallowthemtopaybackthemoneyovertwenty-fiveyears.（分数：2.00）A.正确B.错误√解析：6.TheTrusteeSavingsBankisagovernmentinstitution.（分数：2.00）A.正确B.错误√解析：7.Fiscalpolicyisconcernedwithgeneraltaxation.（分数：2.00）A.正确√B.错误解析：8.TheNationalSavingsBankisaprivateinstitution.（分数：2.00）A.正确√B.错误解析：9.Therearenocontrolsoveracommercialbank'slendingpolicy.（分数：2.00）A.正确B.错误√解析：10.TheStockExchangeonlydealsinshares.（分数：2.00）A.正确B.错误√解析：二、Exercise2(总题数：1，分数：2.00)11.Exporters1willreceiveforeigncurrencyandimporters2havetobuyforeigncurrencywilloftenselltheirrightstothosecurrenciestobanksatspotrates3aretheratesofexchangeatpresent,sothatitwillbethebank4willcarrytheriskofcurrencychanges5mayhappenwhenthemoneyisfinallypaid.（分数：2.00）填空项1:__________________（正确答案：who;who;which;who;which）解析：三、Exercise3(总题数：1，分数：15.00)12.ExpansionofMoneybyBanksBanksarepermittedtocreatemoneyoutof"multipleexpansionofbankdeposits."Theygenerateaboutfivedollarsofnewmoneyforeverydollarofreserves.Letussupposethatapersonbrings$100intoabankfordeposit.Ifthebankweretohold100percentreserves,itwouldkeepthetotalamountinthevault.However,aswehavelearned,thelawrequiresthatonlyasmallpercentagebekept.Letusassumetheamountrequiredatthistimeis20percent.Withthe$80thatdoesnothavetobedepositedwiththeFederalReserve,thebankmaybuygovernmentbondsandlendthemoney,thusassistingbusinessexpansion,makingmortgagesonproperty,andthelike.Notethatthedepositorstillhas$100inthebank,butthebank,inturn,hascreated$80ofnewmoneybylendingit.Thepersonwhoborrowedthe$80willprobablydepositsomeorallofthemoneyinthesamebankorinsomeotherbank:whatisnotdepositedimmediatelywillprobablybespentandsubsequentlydepositedinanotherbank.Eventuallythenthebankingsystemreceivesatotalof$80inthenewdeposits—the$80thatwasborrowedfromthefirstbank.Asinthefirstinstance,theotherbanks,referredtoassecond-generationbanks,keeponly20percentofthenew$80,or$16,andloanout$64.Andsoitcontinues,aseachlatergenerationbankretains20percentandoffersthenew80percentforloan.Throughthischainprocess,thebankingsystemeventuallyendsupwithtotaldepositsequaltofivetimestheoriginal$100.（分数：15.00）__________________________________________________________________________________________正确答案：(银行使货币量增加银行可以从“银行存款的多倍扩张”中创造货币。这个过程可使储备中的每一美元大约可增生五个新美元。假定有人将一百美元存入一家银行。如果这家银行要有百分之一百的储备，它就会把这笔钱全部存入金库。然而我们已经知道，按照法律规定只须留一小部分作为储备。假定此时银行需保留的金额为百分之二十，这家银行就可以用不必存入联邦储备银行的八十美元购买政府债券或将之贷给他人。以此来帮助企业扩展业务，提供以财产作为抵押的借款等等。要注意的是，存款者在银行里仍然存有一百美元，而这家银行通过发放贷款却另行创造了八十美元货币。借了这八十美元的人可能把该款的一部或全部存入同一家银行或别的某一家银行；没有立即存入银行的部分可能被花掉，因而终于还会被存入另一家银行。这样，银行系统最后收进总数八十美元的新存款——这笔钱就是从第一家银行借出来的那八十美元。正如第一种情况一样，另外那一家银行，或称为第二代银行，也只保留这八十美元新存款的百分之二十，即十六美元，而将其余六十四美元贷出。以此类推，每一代银行都保留百分之二十，而将百分之八十的新货币作为贷款放出。通过这一连锁过程，最终使银行系统的存款总数达到原来那一百美元的五倍。)解析：四、Exercise4(总题数：1，分数：14.00)explainpromiseapologizethankadmitrefusesuggestadvise（分数：14.00）(1).Whydon'tyouthinkitoverforafewdaysandgetbacktome?______（分数：2.00）填空项1:__________________（正确答案：suggest）解析：(2).I'mafraidwecannotextendyouroverdraft.______（分数：2.00）填空项1:__________________（正确答案：refuse）解析：(3).Ithinkyoushouldconsiderourtermsbeforemakingadecision.______（分数：2.00）填空项1:__________________（正确答案：advise）解析：(4).I'lldefinitelyletyouhavethedetailstomorrow.______（分数：2.00）填空项1:__________________（正确答案：promise）解析：(5).ItappearsthatwemadeamistakeonyourOctoberstatement.______（分数：2.00）填空项1:__________________（正确答案：admit）解析：(6).Youunderstandthatthebankwillwantabout120%insecuritiestocoverthiscredit.______（分数：2.00）填空项1:__________________（正确答案：explain）解析：(7).Weareverysorryforthedelayinreplyingyourrequest.______（分数：2.00）填空项1:__________________（正确答案：apologize）解析：五、Exercise5(总题数：7，分数：14.00)13.Whydon'tyouthinkitoverforafewdaysandgetbacktome?______（分数：2.00）填空项1:__________________（正确答案：(She)suggestedthat(I)thinkitoverforafewdays.）解析：14.I'mafraidwecannotextendyouroverdraft.______（分数：2.00）填空项1:__________________（正确答案：(She)refusedtoextend(my)overdraft.）解析：15.Ithinkyoushouldconsiderourtermsbeforemakingadecision.______（分数：2.00）填空项1:__________________（正确答案：(She)advisedustoconsider(their)termsbeforemakingadecision.）解析：16.I'lldefinitelyletyouhavethedetailstomorrow.______（分数：2.00）填空项1:__________________（正确答案：(She)promisedtolet(me)havethedetailsthenextday.）解析：17.ItappearsthatwemadeamistakeonyourOctoberstatement.______（分数：2.00）填空项1:__________________（正确答案：(She)admittedtomakingamistakeon(my)Octoberstatement.）解析：18.Youunderstandthatthebankwillwantabout120%insecuritiestocoverthiscredit.______（分数：2.00）填空项1:__________________（正确答案：(She)explainedthatthebankwouldwantabout120%insecuritiestocoverthecredit.）解析：19.Weareverysorryforthedelayinreplyingyourrequest.______（分数：2.00）填空项1:__________________（正确答案：(She)apologizedforthedelayinreplyingto(my)request.）解析：六、Exercise6(总题数：1，分数：16.00)informchargesdocumentsdrawactingvalidsettleopenedTheAccountant9April2007PaulDiderot56Kingwood,Houston713226Tx,USADearSir,L/CNo.123456/BOCWeare(1)onbehalfofBankofChina,Beijing,andwouldliketo(2)youthattheabovedocumentarycreditforUS$60000hasbeen(3)inyourfavourbyyourcustomersDuduDateLtd.Thecreditis(4)until15Mayandallbank(5)havebeenpaid.Pleasebringthefollowing(6)totheaboveaddress:AirWaybillInvoiceforfullvalueofthesalec.i.fShanghaiInsuranceCertificateCertificateofOriginWouldyoualso(7)asightdraftforthefullamountoftheinvoiceonussothatwecan(8)thisaccount.Thankyouinadvance.Yoursfaithfully,BillWoodmanDocumentaryCreditsManager（分数：16.00）填空项1:__________________（正确答案：acting）解析：填空项1:__________________（正确答案：inform）解析：填空项1:__________________（正确答案：opened）解析：填空项1:__________________（正确答案：valid）解析：填空项1:__________________（正确答案：charges）解析：填空项1:__________________（正确答案：documents）解析：填空项1:__________________（正确答案：draw）解析：填空项1:__________________（正确答案：settle）解析：七、Exercise7(总题数：1，分数：11.00)20.Mostcountriescanproduceanyproductiftheyarewilling(invest)capital.Artificialclimatesarecreatedingr