试卷详情
-
金融英语初级-1
-
[单项选择]How many forms of interest rate risk were mentioned
A. 5
B. 3
C. 2
D. 4
-
[单项选择]Which of the following is not correct
A. Internal controls must be supported by an effective audit function.
B. In case of internal control weakness identified by auditors, management needs to take appropriate corrective action.
C. Banking supervisors must ensure that banks only observe banking laws and regulations.
D. Sound internal controls and strong risk management practices are critical for the safe and sound operation of banking organizations.
-
[简答题]China will continue to pursue a sound monetary policy, and seek refinements in the conduct of monetary policy by relying mainly on indirect policy instruments. First, open market operations will be expanded, and tile quality of the relevant decision - making will be improved to optimize the timing and scale of open market transactions. Transaction frequency will be increased and fine - turning measures will be taken as the occasion warrants.
-
[单项选择]A physical commodity that is valued in its own ______ and also used as a means of payment is commodity money.
A. character
B. term
C. norm
D. right
-
[单项选择]What will be introduced to improve the basis for the required reserves
A. The role of rediscount.
B. The role of market adjustment.
C. The concept of average balance.
D. Indirect policy instruments.
-
[单项选择]The buyer has to pay the seller fully in advance in this ease.
-
[单项选择]Repricing risk comes from ______.
A. changes in the slope and shape of the yield curve.
B. the express or implied options imbedded in many bank assets, liabilities and off- balance sheet portfolio.
C. timing differences in the maturity and repricing of bank assets, liabilities and off- balance sheet positions.
D. None of the above.
-
[单项选择]The IFC's policy is to favor joint ventures that have some local capital ______ at the outset.
A. initiated
B. committed
C. commemorated
D. commigled
-
[单项选择]Applicable to the entire World Bank Group is the ______ of most governmental borrowers for multinational loans.
A. like
B. influence
C. affect
D. preference
-
[单项选择]While expanding the scope of bills eligible for discount, the ceiling on discount interest rate will be, gradually increased in support of the market - based interest rate reform.
-
[单项选择]To date, there have been no ______ on loans made by the World Bank.
A. fraud
B. cheat
C. mistakes
D. defaults
-
[单项选择]Why is flexibility needed in selecting modes of open market transactions
A. To improve the settlement and clearing system.
B. To enhance the role of open market in guiding short - term interest rates.
C. To optimize the timing and scale of open market transactions.
D. To increase transaction frequency.
-
[单项选择]Excessive interest rate risk impacts ______.
-
[单项选择]Cash in advance applies when the manufacturing process or services delivered are labor intensive.
-
[单项选择]At such a price, the VCR ______ the cost of home movie watching.
A. countered
B. sliced
C. slashed
D. dived
-
[单项选择]With the advent of Web- based commerce, start - ups are not a threat to other companies.
-
[单项选择]The applicants sometimes provide short - term loans to the beneficiary.
-
[单项选择]The IDA charges only three fourths of 1 percent as a service charge on ______ loan balances.
A. debt
B. outperforming
C. outdoing
D. disbursed
-
[单项选择]Internal control consists of ______.
A. management control.
B. risk identification.
C. correction of deficiencies.
D. All of the above.
-
[单项选择]Why is it necessary for banks to maintain adequate liquidity
A. To meet the demand for withdrawals from deposits.
B. To fulfill promises to lend at a specific time.
C. To prepare for inter- bank settlements.
D. All of the above.
-
[单项选择]How may banks provide for liquidity
A. By reserving cash.
B. By stopping borrowing money.
C. By drawing new deposits.
D. Both A and C
-
[单项选择]What is the minimum liquidity ratio a bank is required to have
A. 25 % per year.
B. 25 % in each calendar month.
C. the stun of liquefiable assets and qualifying liabilities.
D. unspecified.
-
[单项选择]Internet banking obscures the service boundaries of banks and therefore reduces the risks.
-
[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. Tomorrow morning.
B. This evening.
C. This afternoon.
D. Tomorrow.
-
[单项选择]The beneficiary will have to comply with excessive details requested by the bank.
-
[单项选择]In what way do banks act as "market - makers" in foreign exchange markets
A. By buying foreign currencies.
B. By quoting exchange rates to customers.
C. By avoiding the risks of the market.
D. Both A and B
-
[简答题]请按信函格式以下列内容给英国伦敦某银行用英语写一封信。
1) 要求与贵行建立业务往来关系。
2) 我方的确很高兴注意到,我们两国之间的贸易量一直在快速地增长。为了处理我们两行之间日益增加的银行业务,我方很乐于与贵行建立业务往来关系。
3) 出于这一良好意愿,我方现随函附上2001年年度报告一份供您参考。
4) 一旦收到贵方函复,我方将很高兴发送给贵方我方的控制文件。盼佳音。
-
[单项选择]The function of an effective and it is ______.
-
[单项选择]The worlds of banking have been made more complicated and uncertain because of the internet as an increasingly important commercial tool.
-
[单项选择]What does liquidity squeeze mean
-
[单项选择]Rough information is required to be contained by the applicants in the documentary credit.
-
[单项选择]The historic ______ ceiling is $ 940, but scarcity of resources has long limited access to IDA funds to countries with per capita incomes less than $ 580.
A. payment
B. repayment
C. eligibility
D. demand
-
[单项选择]To a banking organization, effective risk management and internal control can help ensure ______.
A. that the bank will achieve long- term profitability targets.
B. that the risks are identified and under control.
C. that the bank will comply with relevant laws and regulations.
D. All of the above.
-
[单项选择]During tile Great Depression, the four years from 1929 to 1933, unemployment ______ almost one fifth of the labor force in the industrial world.
A. induced
B. afflicted
C. incurred
D. affixed
-
[单项选择]Directions: In this section you will hem’ 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 hark the corresponding letter on the ANSWER SHEET with a single line through the center.
{{B}}Passage One{{/B}}
A. the cashier will give you a sales slip
B. the cashier will check your I. D
C. the cashier will examine the sales slip carefully
D. the cashier will scold you for not taking cash with you
-
[单项选择]There will be no control over retail deposit interest rates and a flexible management of large amount deposit interest rates.
-
[单项选择]Internet banking can save banks' resources of human power and capital.
-
[单项选择]Alternatively, ______ may lead to call for protection against foreign imports or capital controls to defend the exchange rate.
A. debts
B. loans
C. regulation
D. deficits
-
[单项选择]The World Bank's efforts to direct its hard loans to private enterprise have created a record of decades of ______ lending.
A. botched
B. misled
C. distorted
D. capital
-
[单项选择]In sequencing of interest rate liberalization ______.
A. local currency interest rate policies will be reformed before those governing foreign currency rates.
B. rural rate policies are reformed following those for urban financial institutions.
C. bank lending rates arc reformed ahead of deposit rates.
D. All of the above.
-
[单项选择]Running open foreign exchange positions is ______, especially during periods of instability in exchange rates.
A. of law risk
B. of high risk
C. of no risk
D. visible
-
[单项选择]The higher the level of liquidity a bank maintains, the more, profit the bank can gain.
-
[单项选择]The seller can deal with the funds before the shipment of the goods through cash in advance.
-
[单项选择]{{B}}Section One{{/B}}
Directions: 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 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. $ 300 in traveler’s checks, $ 200 in U.S. dollars.
B. $ 200 in traveler’s checks, $ 500 in U.S. dollars.
C. $ 500 in traveler’s checks, and the balance in U.S. dollars.
D. $ 500 in traveler’s checks, $ 200 in U.S. dollars.
-
[单项选择]To prevent money laundering, ______.
A. banks need an effective audit.
B. banks need to focus mi "know- your- customer" policies.
C. banks need to detect and report suspicious transactions.
D. Both B and C