试卷详情
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金融英语初级-2
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[单项选择]Economists define money (or, equivalently, the money supply) as anything that is generally accepted iu payment for goods or services or in the ______ of debts.
A. payment
B. paying
C. repayment
D. return
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[单项选择]Which of tile following statements is the mast accurate
A. Accounting records and statements are based on the data available.
B. Accounting records and statements are based on the some of the reliable data.
C. Accounting records and statements are, based on the most reliable data available.
D. Accounting records and statements are based on the recorded data.
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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 tile corresponding letter on the ANSWER SHEET with a single line through the center.
A. Mortgage loans are profitable but high - risking compared to corporate lending.
B. Mortgage loans are more profitable and low- risking compared to corporate lending.
C. Corporate lending is unprofitable but carries low risk.
D. Corporate lending is less profitable but carries low risk.
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[单项选择]The actual chartering processes and scrutinizing factors considered by different chartering authorities may he. different.
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[单项选择]A clean bill of lading could indicate that ______.
A. the goods carried are clean
B. the goods are not damaged when received for shipment by the shipping company
C. the bill of lading has no soiled spot on its the
D. the bill of lading is not accompanied by other documents
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[单项选择]The joint- equity banks are not new among the commercial banks and operate on an entirely commercial basis.
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[单项选择]Tico Co. Ltd. bought a computer at the price of US $ 300, though the real price on the market was US $ 100. And the general manager thought it was worth of only US $ 90. So the price of the computer shall be booked at the price of ______.
A. US $ 300
B. US $ 100
C. US $ 90
D. US $ 200
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[单项选择]Any transferee for value who takes possession of an endorsed bill of lading obtains a good title to it, provided the transferor had a good title in the first place. Hem "any transferee for value" and "good title" means' ______.
A. "any valuable transferee" and" good name" respectively
B. "any transferee who has paid the price" and" effective ownership" respectively
C. "any valuable transferee" and" effective ownership" respectively
D. "any transferee who has paid the price" and" good name" respectively
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[单项选择]All of the following are the functions of bill of lading except ______.
A. the bill of lading is proof of the contract for carriage
B. a bill of lading acts as a receipt of the goods from the shipping company to the shipper
C. a bill of lading is a completely negotiable document
D. a bill of lading acts as a document of ownership to goods being, shipped
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[单项选择]With mortgage loans, unless and until the occurrence of default or full repayment, ______.
A. the ownership of the property remains in borrowers arid the possession of property usually remains in mortgagors
B. both the ownership and the possession of the property remain in mortgagors
C. both the ownership and the possession of the property remain in mortgagees
D. The ownership of the property remains in mortgagees and the possession of property usually remains in mortgagors
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[单项选择]In a detailed capital and operating plan, the bank needs to show what are tire expected incomes, dividends, assets, liabilities and capital over the next year or two.
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[单项选择]The wholly state - owned commercial banks will be reformed on a step - by - step basis.
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[单项选择]The goods will be released from the port only against production of one of the original bills of lading. Here" production" means ______.
A. preparation
B. creation
C. presentment
D. manufacturing
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[单项选择]Bemuse checks are also accepted as payment for purchases, ______ account deposits are considered money as well.
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[单项选择]Money is a ______ that allows the economy to run more smoothly by lowering transactions costs, thereby encouraging specialization and file division of labor.
A. lucrative
B. lubricate
C. lubricant
D. lucid
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[单项选择]A usance bill is a bill ______.
A. which is payable on presentation to the drawee
B. which has no documents attached to it
C. which is payable either at some fixed future date or a number of months or days after the bill has been sighted
D. which is payable when it is sighted by the payer
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[单项选择]The need for financial provision ______ not only to producers but also to consumers.
A. is connected
B. is linked
C. links up
D. relates
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[单项选择]The solution to the problem is to introduce money into the economy and have all prices quoted ______ units of that money.
A. in the light of
B. in accordance with
C. in terms of
D. in
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[单项选择]Money is file most liquid asset of all because it is the medium of exchange; it does not have to be ______ into anything else in order to make purchases.
A. transmitted
B. conversed
C. converted
D. converge
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[单项选择]In a barter economy, transactions costs am high because people have to satisfy a "double ______ of wants".
A. encounter
B. concord
C. coincidence
D. incidence
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[简答题]请按信函格式以下列内容给美国纽约甲银行用英语写一封信。
1)我行无法验证贵行第35797号信用证上第2341号签名的真伪。
2)我行持有的贵行印签册中,签名的最大编号为1430。
3)请调查此事,并告知我行是否奇过上述签字样本,以更新我行所持有的印签册内容。
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[单项选择]When a bank's problems have affected its capital base, in order to restore its capital position, the bank might raise new equity capital, sell unprofitable assets or business and accelerate the pace of expansion.
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[单项选择]The licensing process can guarantee flint a bank will be well run after it opens.
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[单项选择]Non - performing assets and loan charge - offs refer to the assets that can be recovered and the loans that are cancelled.
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[单项选择]Consumer Credits are high risk and high interest credit products, which are usually classified into three sorts, they are ______.
A. amortization loan, real estate loan and mortgage loan
B. amortization loan, syndicated loan and mortgage loan
C. real estate loan, amortization loan and mortgage loan
D. amortization loan, credit card and bridge loan
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[单项选择]Banks with serious problems will have to launch a remedial action program based on the natures of the problems.
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[单项选择]Which of the following statements is not correct
A. Reliable data are verifiable.
B. Reliable data may be confirmed by any independent observer.
C. Accounting records based on whims and opinions without reliability principle would be subject to dispute.
D. Ideally, accounting records arc based on information that flows from activities that are documented by subjective impression.
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[单项选择]Which of the following is correct A bill of exchange can be i) a sight bill, ii) a term bill, iii) a bill of lading, ______.
A. either i) or ii)
B. either i) or iii)
C. either ii) or iii)
D. both i) and iii)
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[单项选择]A bill is payable ______.
A. only within a fixed period after the date of the bill
B. on demand or within a fixed period after the date of the bill
C. only at a specified time after acceptance by the drawee
D. immediate after the drawer signs it
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[单项选择]Still in the above case, three months after the transaction, the market price of the same computer rose by US $ 150. So the price of the computer shall bc booked at the price ______.
A. US $ 300
B. US $ 100
C. US $ 90
D. US $ 250
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[单项选择]Many people are only able to purchase by borrowing either from a commercial bank or from a finance company by means of purchase.
A. wholesale
B. retail
C. hire
D. order
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[单项选择]Money also functions as a store of value; it is a ______ of purchasing power over time.
A. repository
B. depositor
C. repertory
D. repercussion
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[单项选择]A bill of exchange is an (a) ______.
A. unconditional promise in writing
B. unconditional order in writing, payable only on demand
C. conditional order in writing, addressed by one person to another
D. unconditional order in writing, payable on demand or at a fixed or determinable future time
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[单项选择]Commercial banks in China are now transferring from time traditional deposit taking and lending business to a broad range of intermediary services such as international settlement, bankcards, private banking, and financial consulting.
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[单项选择]Consumer credit can be used to extend loans to the borrower for ______.
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[单项选择]The bill of lading is ______.
A. a contract
B. is not a contract
C. is a contract between the shipping company and the carrier
D. is a receipt issued by the shipper
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[单项选择]The accounting entity is ______.
A. a separate section of an organization
B. an Organization
C. an individual as an separate economic unit
D. All above.
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[单项选择]When a bill is payable on demand or at sight, the drawee is required to ______.
A. pay immediately when the bilk is presented to him
B. pay within a fixed period after the date of the bill
C. accept the bill immediately when it is presented to him
D. receive immediate payment on presentation of the documents
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[单项选择]Maturity of mortage loans is usually ______.
A. 20 years and the interest rates are fixed
B. 30 years and the interest rates are variable
C. 30 years and the interest rates are fixed
D. 20 years and the interest rates are variable
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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 on the ANSWER SHEET with a single line through the center.
{{B}}Passage One{{/B}}
A. Problem Bank Situations.
B. Inadequate Supervision of The Bank.
C. Serious Deterioration in A Bank’s Financial Condition.
D. Weak Bank Management.
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[单项选择]In most countries banks must acquire a license in order to undertake banking business.
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[单项选择]A financial system must therefore meet the needs of such enterprises by locating, securing, and ______ funds for firms which wish to invest.
A. shipping
B. transporting
C. channeling
D. funneling
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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 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. He’s drawn a lot of money on his account.
B. He has about US $ 200 in his account.
C. He is US $ 600 in the rod.
D. His account is overdrawn.
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[简答题]The banking sector has played an important role in facilitating the implementation of the stabilization and structural measures as well sustaining strong economic growth. Tile macroeconomic stability and structural improvement in turn have enabled the banking sector to develop vigorously.
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[单项选择]According to the passage, a home mortgage plan ______.
A. is similar to a mortgage loan
B. is absolutely different from a mortgage loan
C. has more benefits than a mortgage loan
D. None of the above is correct.