试卷详情
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金融英语初级-6
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[单项选择]The purpose of the syndicated loan is usually to provide finance to ______.
A. a house buyer
B. a car buyer
C. a company to meet its temporary needs
D. None of the above is correct.
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[单项选择]In the case of mortgage, ______.
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[单项选择]The buyer has to prove his promise in an open account.
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[单项选择]Alerting the authorities would be justified if tile fraud is likely to result in a ______ gain or loss for any one person or group of people.
A. magnificent
B. material
C. great
D. superficial
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[单项选择]A standby letter of credit ______.
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[单项选择]In the case of an ordinary lien, ______.
A. the creditor is file owner of the property, so it has a right to sell it
B. the borrower is the owner of the property, but he has no right to sell it
C. the borrower is the owner of the property, and has right to sell it
D. the creditor is not only the owner of the property, but also in actual or constructive possession of the property
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[单项选择]Ten months later, before a company can produce another annual report, it goes ______.
A. wrong
B. down
C. void
D. bust
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[单项选择]If a promissory note is not paid on time, it cannot be protested.
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[单项选择]The larger a corporation's taxable income, the closer its average tax rate comes to the higher ______ pate.
A. marginal
B. interest
C. exchange
D. ceiling
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[单项选择]{{B}}Section One{{/B}}
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 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.
A. House mortgage has a short history.
B. House mortgage appeared in recent yearn in China.
C. Nowadays, people still couldn’t accept the idea of house mortgage.
D. Many years ago people accepted house mortgage in China.
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[简答题]The increasing presence of foreign banks has been an important aspect of banking reform in China. This will help improve the quality of regulation and information disclosure, as it will force the domestic banks to improve their cost structure and the range and quality of their services.
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[单项选择]A commercial letter of credit is used when ______.
A. the underlying transaction is consummated by the applicant
B. the underlying transaction is not performed by the applicant
C. something will go wrong or a negative event will occur
D. it is necessary to assure the performance of non - monetary obligations
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[单项选择]A single bank may not be able or willing to extend loans of large amount partly because of ______.
A. the lending limits made by the parent of the bank
B. the risks of the large amount loan
C. the fact that its portfolio policy forbids large amount loan
D. the fact it is impossible for a single bank to extend loans of large amount
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[单项选择]Companies measure the performance of their brands internally and decide how to ______.resources from one brand to another.
A. allocate
B. translate
C. transfer
D. retain
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[单项选择]In the US and most other countries, the corporate form of organization is the most important in terms of dollar value of assets ______.
A. owed
B. owned
C. outstanding
D. balance
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[单项选择]Countries like the UK, wishing to maintain their own attractions, may well push their own rates lower, ______ further rounds of tax cutting.
A. instigating
B. augmenting
C. sparking
D. integrating
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[单项选择]A promissory note is the same as a bill.
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[单项选择]In the case of pledge, ______.
A. before the debt is discharged, both the pledgor and the pledgee are entitled to tile possession of tile property
B. before the debt is discharged, the pledgor is entitled to the exclusive possession of the property
C. after the debt is discharged, the pledgee is entitled to the exclusive possession of the property
D. before the debt is discharged, the pledgee is entitled to the exclusive possession of the property
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[单项选择]Documents presented to the bank under a commercial letter of credit may include all of the following except ______.
A. invoices
B. insurance documents
C. packing lists
D. a document certifying that "the borrower is in default"
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[单项选择]Expenditure may be seen as no more than an ______ of forecast profits.
A. allocation
B. appropriation
C. income
D. expanding
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[单项选择]Under normal circumstances, the auditor's first step would be to alert the client's management to the existence of ______.
A. mistake
B. fraudulent
C. fraud
D. misstatement
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[单项选择]Through open account, the seller will. manufacture goods before payment is required.
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[单项选择]The 40 per cent is tax deductible, suggesting that the provision was made simply to take advantage of this tax ______.
A. concession
B. compromise
C. accommodation
D. renewal
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[简答题]请按信函格式以下列内容给美国纽约某银行用英语写一封信。
1)回复贵行2003年5月7日信函,说明迟付货款的原因。
2)贵方银行在来信中提到延迟偿付的事项。我行希望告知对方,收到单据和偿付之间的时差有如下原因:
①我方于2003年4月19日和20日收到单据,而这两天是中国的公众假日。
②由于转让人ABC公司不是我方客户,我方将单据和讯息通过该公司的往来银行转让给该公司用了更多的时间。
③信用证要求由转让人替换单据,这又用了更多的时间。
④我行希望贵行能对上述解释表示满意。
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[单项选择]The seller in an open account must know that in some circumstances he can present open account receivable to a law institution for acceptance.
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[单项选择]In the multiple currency accounting system, all foreign currency transactions are. only in ______.
A. local currency, and a separate entry being maintained for each currency used
B. natural currency, and a separate currency ledger being maintained for each currency used
C. base currency, and a double entry being maintained for each currency used
D. foreign currency, and a separate currency ledger being maintained for each currency used
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[单项选择]None of the following statements is true except ______.
A. the lead bank in a syndicated loan is not, allowed to underwrite a large portion of the credit
B. all the banks involved in a syndicated loan must under underwrite a equal portion of the credit
C. the lead bank always underwrites a large portion of the credit
D. the negotiating bank in a syndicated loan is also referred to as the "lead" bank
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[单项选择]Standby letters of credit can ______.
A. only be used to provide payment
B. be used to provide payment
C. be used when the exporter has delivered the goods to the beneficiary
D. be used when a positive event has occurred
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[单项选择]The maker of a promissory note premises to pay the holder at a future date on some conditions.
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[单项选择]Investment banks are more or less the same as the commercial banks and other savings - collecting institutions.
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[单项选择]All of the following statements are tree except ______.
A. there are several ways in which a bank may take security for an advance, they include charge, lien, mortgage and pledge
B. there are several ways in which a hank may take security tbr an advance, they include hypothecation, lien, mortgage and pledge
C. there are several ways in which a bank may take security for an advance, they include charge, lien, mortgage and pawn
D. There are several ways in which a bank may take security for an advance, they include charge, lien,mortgage and credit
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[单项选择]Investment banks perform the functions of market intermediaries.
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[单项选择]The agent bank in a syndication loan normally receives a fee ______.
A. which is similar to the front end fee
B. which is from the lead bank
C. which is paid together with front end fee
D. which is paid by the borrower
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[单项选择]The development of investment banking has a lot to do with the capital markets.
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[单项选择]Investment banking helps the holders of the accumulated wealth who wish to re - allocate their assets in the financial markets.
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[单项选择]The fact that interest _-- are tax deductible while dividends are not is a major consideration in the financial structure of an overseas subsidiary.
A. rates
B. earnings
C. inputs
D. charges
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[单项选择]Which of the following statements is not true
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[单项选择]Directions: In this section you will 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 an tile ANSWER SHEET with a single line through the center.
{{B}}Passage One{{/B}}
A. 1994
B. 1996
C. 1998
D. 1995
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[单项选择]A syndicated loan is a large credit negotiated between ______.
A. a borrower rout several banks
B. banks
C. a borrower and a single bank
D. None of the above is correct.
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[单项选择]In dual currency system, all ledgers are maintained ______.
A. in foreign currency, with foreign currency transactions being recorded in local currency equivalents
B. in natural currency, with foreign currency transactions being recorded in local currency equivalents
C. in local currency, with foreign currency transactions being recorded in local currency equivalents
D. in base currency, with foreign currency transactions being recorded in local currency equivalents
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[单项选择]Directions: 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 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 line through the center.
A. You must report the loss of your card immediately to the bank.
B. You will be scolded.
C. You must give a new card to the hank.
D. You must pay for tile new card.
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[单项选择]If the British branch of an American bank is selling Australian dollars to a German bank, the natural currency is ______.
A. American dollar
B. Australian dollar
C. British Pounds
D. Deutsche Mark
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[单项选择]Two accounting systems car generally be used to account for foreign exchange transactions, namely, ______.
A. the single entry system and the double entry system
B. the single entry system and the multiple currency accounting system
C. the double entry system and the multiple currency accounting system
D. None of the above is true.