[金融英语考试密押资料]现代金融业务(综合)模拟13

1、金融英语考试密押资料现代金融业务(综合)模拟13金融英语考试密押资料现代金融业务(综合)模拟13现代金融业务(综合)模拟13Part One ListeningSection One 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 answer

2、s 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 (如需获取本MP3听力录音请搜索标题名) 1.A.The check is out of date.B.The check is post-dated.C.The check is in too large amount.D.The check is a crossed one.答案:B解

3、析This check is dated tomorrow. We have to charge you some money if you want to cash it today.根据录音，支票要明天才到期，所以应是post-dated。2.A.The cost principle states that assets and services that are acquired should be recorded at their current price.B.The cost principle states that assets and services that are a

4、cquired should be recorded at their actual historical cost.C.The Reliability Principle states that assets and services that are acquired should be recorded at their current cost.D.The Reliability Principle states that assets and services that are acquired should be recorded at their actual historica

5、l cost.答案:B解析The cost principle states that assets and services that are acquired should be recorded at their actual cost.录音单句意思为“成本原则认为所购资产和服务应以它们的实际成本记录”。3.A.The collecting bank is the bank at the sellers country.B.The collecting bank acts only as an agent for the remitting bank.C.The collecting b

6、ank knows the buyer very well.D.The collecting bank noticed that the draft and the documents were received.答案:B解析Acting as an agent for the remitting bank, the collecting bank notifies the buyer upon the receipt of the draft and the documents.录音单句意思为“作为汇人行的代理人，托收银行一收到汇票和单据就必须通知进口商”，所以选项B意思最为接近。4.A.T

7、he relationship between the drawee and collecting bank will be taken into consideration first of all.B.The remitting bankers instructions will be paid much more attention.C.The remitting bankers instructions will be less important than the relationship between the drawee and collecting bank.D.The re

8、mitting banker must consider the relationship between the drawee and collecting bank.答案:B解析The instructions of the remitting bank override the relationship, if any, between the drawee and collecting bank.录音单句意思为“汇出行的指示胜过付款人和托收行之间的关系。”5.A.Not all the customers are allowed by Internet banking to trans

9、act business.B.Internet banking allows any customer to transact business from certain places.C.Internet banking allows any customer to transact business from certain time.D.All customers are allowed by Internet banking to transact business.答案:D解析Internet banking allows any customer to transact busin

10、ess from anywhere, at any time.单句意思为“网上银行使客户可以在任何地点、任何时间进行交易”。Section Two 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 m

11、ust 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. (如需获取本MP3听力录音请搜索标题名) 1.A.It means being convenient to be carried.B.It means being readily to be divided.C.It means being eas

12、ily identified.D.It means being carried in a big basket.答案:A解析M: The paper money required little effort to carry. If you need large amount of money, you can use a check or credit card to make the payment.W: This nature of money is called portability and it provides convenience in settling transactio

13、ns.Q: What does the word portability mean?portability意为“可携带，轻便”。纸币易于携带，但如果要携带大量的钱的话，最好是用信用卡。2.A.Four.B.Two.C.Three.D.Five.答案:C解析M: What margins will the lending bank charge?W: Margins mainly depend on these factors: evaluation of credit risk, maturity of credit, and the starting point from which onw

14、ards the rate of interest shall be firm.Q: How many factors do margins charged by the lending bank mainly depend on?录音原文提到Margins mainly depend onthe rate of interest shah be firm所以C选项正确。3.A.A contractual arrangement.B.A counterpart.C.Many types of risks.D.Credit risk.答案:D解析M: Can you give an exampl

15、e of types of risks Banks face?W: Yes. The major type of risks is called credit risk. It means a counterpart fails to perform according to a contractual arrangement.Q: What are they talking about?他们在谈论银行所面临的风险，女士说“The major type of risks is called credit risk.”，所以D选项符合题意。4.A.Bills of lading.B.Consul

16、ar invoice.C.Insurance policy.D.Certificate of origin.答案:B解析M: Could you tell me what specific document you will provide?W: Together with the draft, well also send you a complete set of bills of lading, an invoice, an export license, an insurance policy, a certificate of origin, and a certificate of

17、 inspection.Q: What document the woman did not mention?录音原文中只提到了an invoice，并没有提到consular invoice，所以B选项是文中没有提到的。5.A.He got a credit card of his friend and come to ask how to use it.B.He got a card and did not know whose card it is.C.He has lost his credit card and come to ask what to do.D.He has foun

18、d a credit card and come to ask what to do.答案:C解析M: Ive lost my credit card issued by your bank. What should I do, please?W: I am sorry for that. But you have to go to that counter over there for the card business.Q: Why does the customer come to the bank?录音原文中男士说：Ive lost my credit card issued by y

19、our bank，即他丢失了信用卡，来银行想知道该怎么办。Section Three 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 choi

20、ces marked A, B, C and D. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center. Passage One (如需获取本MP3听力录音请搜索标题名) 1.A.Bank card business.B.Bank card fraud.C.Technologies used in bank.D.International card fraud.答案:B解析 21-23 Credit card fraud is a big problem. Ca

21、rd fraud in the U.S. involving bank cards alone totaled $ 680 million last year, which represented an increase of more than 35% over a 10-year period. However, the tide is beginning to turn, and the growth percentage of fraud is diminishing technologies are becoming more widely used. In 1994, Visa c

22、ard fraud in the U. S. was as new equal to the figure posted in 1992. At Master Card, bogus card transactions rose 14% from 1993 to 1994. Even so, the growth rate has slowed considerably from the beginning of the decade. That looks good news for bankers and for average card holders as well. 21. What

23、 is the passage mainly about? 录音原文开头提到Credit card fraud is a big problem由此可知B选项正确。2.A.$ 680 millionB.$ 860 millionC.$ 680 billionD.$ 860 billion答案:A解析How much did bank card fraud involve in U.S. last year?录音原文提到Card fraud in the U.S. involving$680 million last year，所以A选项正确。3.A.Its the same over the

24、10-year period.B.Its getting worse over the 10-year period.C.Its getting better over the 10-year period.D.There is no way to solve the problem.答案:C解析What conclusion can we draw concerning card fraud?录音原文最后提到the growth rate hasfor average card holders as well过去10年以来，信用卡违约增长率在不断的下降，这对银行和信用的持有者来说是一件好事。

25、Passage Two (如需获取本MP3听力录音请搜索标题名) 1.A.To follow the banks rules and regulations.B.To have the right to make full use of the banks facilities.C.To open an account in the bank.D.To protect the depositors interest.答案:A解析 24-26 When a savings account is opened in a bank, the depositor must sign a deposit

26、 agreement. By signing agreement, the depositor agrees to abide by the rules and regulations of the bank. At this time, a passbook may be given to the depositor. This is a small book in which the bank teller enters the date and amount of each deposit or withdrawal and initials the entry. The passboo

27、k is to be presented at the bank or mailed to the bank along with a deposit or withdrawal slip each time money is deposited or withdrawn from the account. An alternative practice for depositing or withdrawing money from a savings account is to give the depositor a small register for recording deposi

28、ts and withdrawals and a pad of deposit withdrawal rotors. This procedure eliminates the use of the passbook. 24. What is the purpose of signing a deposit agreement? 录音原文中提到By signing agreement，the depositorrules and regulations of the bank通过签订存储协议，存款人会遵守银行的规则。2.A.He makes deposits with a bank.B.He

29、withdraws money from a savings account.C.He withdraws money from a checking account.D.Both and .答案:D解析What does a depositor do with a passbook?存款人用存折来取钱或存钱。所以D选项符合题意。3.A.To attract deposits.B.To improve bank services.C.To eliminate the use of the passbook.D.To promote banking business.答案:C解析What is

30、the aim of a small register and a pad of deposit withdrawal forms?录音原文中提到a savings account is to give the depositoreliminates the use of the passbookPassage Three (如需获取本MP3听力录音请搜索标题名) 1.A.cashB.notes and coinsC.recorded electronic funds-transfer systemD.paper gold答案:C解析 27-30 We will live in a socie

31、ty when cash no longer exists. Instead, cash would be electronic, as in bank-card systems. Notes and coins would be abandoned. Its benefits would be profound and fundamental. Theft of cash would become impossible. Bank robberies and cash-register robberies would cease to occur. Urban streets would b

32、ecome safe. Retail shops in once dangerous areas could operate in safety. Neighborhoods would improve. National electronic-money system would operate as a debit-card system. Each individuals money would be held in his money-system account. A transaction would affect an instant transfer of money from

33、 his account to that of another account holder. Only cash would be supplanted by electronic money. Credit card and automatic-teller-machine system would not necessarily change, although you could no longer obtain cash at ATMs. 27. In future, what kind of form will the money be? 录音原文提到We will live in

34、 a societywould be electronic，as in bank-card systems2.A.Cash would be no longer in use.B.There would be more safety guards.C.More prisons would be set up.D.People would be better off.答案:A解析According to the passage, why would the neighborhoods improve?因为有了银行的电子系统，现金就不再使用了，因而也就不用担心小偷，城市周围就会安全了很多。3.A.

35、Letters of creditB.Electronic funds-transfer technologyC.Credit cardsD.Travelers checks答案:B解析What make(s) it possible to divorce money from evil?根据录音原文，B选项符合题意。4.A.In a cash-free society, bank robberies and cash register robberies would not occur.B.Retail shops could operate in safety.C.Automatic-te

36、ller-machine system would have to change.D.Purse snatching would simply become impossible.答案:C解析According to the passage, which of the following statements is false?录音原文最后一句提到Credit card and automatic-teller-machine system would notobtain cash at ATMs. automatic-teller-machine system没有必要改变。Part Two

37、ReadingSection One Directions: There are three passages in this section. Each passage is followed by some questions or unfinished statements. For each of them, there are four choices marked A, B, C and D. You should make the best choice and mark the corresponding letter on the ANSWER SHEET by drawin

38、g a single line through the center. Passage 1 Commercial bank deposits, including demand deposits, are subject to immediate withdrawal during regular banking hours at the request of the depositor with the exception of certain time deposits, discussed in this section. Demand deposits may be withdrawn

39、 in the form of currency or coin, or they may be transferred to another account at any commercial bank. Demand deposits at commercial banks can be transferred by bank check and are sometimes called checking accounts. No money interest is paid on demand deposits. Checkable NOW accounts, or share draf

40、ts at credit unions, which are available to consumers but not business depositors, pay interest. Technically, they are savings accounts that are accessible by a negotiable order of withdrawal. Savings deposits at commercial banks and thrifts can usually be withdrawn as currency or coin, or as a cash

41、iers check of the bank (a check drawn against the issuing bank) ; they may be trans-fenced into the depositors demand deposit account at the same bank, although technically the bank may refuse to withdraw or transfer a savings account for 30 days. Time deposit accounts with specified maturities are

42、exceptions to the convention that commercial bank deposits should be convertible to cash on demand. Prior to the date of maturity, the bank may refuse to exchange such a time deposit claim or may impose a penalty fee. The time deposit pays interest, giving it one of the characteristics of other priv

43、ate bonds. Consumer or personal time deposits include CDs in denominations of less than $100,000. They are non-negotiable; that is, they cannot be sold and must be returned to the issuing bank by the original purchaser. Until 1976, there were effective ceilings on interest payments. In 1973, consume

44、r CDs were first authorized with ceiling interest yields closer to market interest rates. They were called money market certificates. 1. Which of the following is excluded from the commercial bank deposits?A.Demand deposits.B.Time deposits.C.Checking accounts.D.Treasury bills.答案:Dtreasury bills(短期国库

45、券)文中没有提到。demand deposits活期存款。time deposits定期存款。checking accounts支票存款账户。后三项都是商业银行的经营范围。2. How do people draw money with a commercial bank against a NOW account?A.By a bank check.B.By a demand.C.By a negotiable order of withdrawal.D.By a draft.答案:C文章第一段最后提到Checkable NOW accounts, they are savings acco

46、unts that are accessible by a negotiable order of withdrawal。NOW accounts的提取只要个人填写一张议付取款单即可。在商业银行里需要进行商洽后，才能取得。所以C选项正确。3. Into what kind of account can a savings deposit be transferred at the same bank?A.A time deposit account of the depositor.B.A demand deposit account of the depositor.C.A NOW acco

47、unt of the depositor.D.A fixed time account of the depositor.答案:B文章第二段提到Savings deposits may be transferred into the depositors demand deposit account at the same bank，savings deposit在文中指活期存储账户，所以B选项正确。4. What can we learn from the third part of the passage?A.Time deposit accounts are not subject to

48、 the convention so that they can not be converted to cash before their maturity date.B.Commercial banks may impose a penalty fee on all kinds of accounts.C.People can get interest payment when they exchange their tired deposits for private bonds.D.Banks may refuse to transfer a time deposit into a s

49、avings deposit.答案:A第三段主要在讲定期存款，该段第一句指出Time deposit accountsshould be convertible to cash on demand。定期存款有一个specified maturities(指定到期时间)在指定的到期时间没有到来时，一般是不能提款的，否则会impose a penalty fee。5. Which of the following is not mentioned in the passage?A.CDs are a kind of consumer time deposits.B.All the consumer

50、 or personal time deposits are non-negotiable.C.No money interest is paid on personal time deposits.D.The interest yields of consumer CDs are closer to market interest rates.答案:C文章最后一段提到there were effective ceilings on interest payments，由此可知C选项错误。 Passage 2 The balance of payments is a statistical r

51、ecord of all the economic transaction between residents of the reporting country and residents of the rest of the world during a given time period. The usual reporting period for all the statistics included in the accounts is a year. A good or bad set of figures can have an influential effect on the

52、 exchange rate and can lead policy makers to change the content of their economic policies. Deficits may lead to the government raising interest rate or reducing public expenditure to reduce imports. Alternatively, deficits may lead to calls for protection against foreign imports or capital controls

53、 to defend the exchange rate. A key definition that needs to be resolved at the outset is that of a domestic and foreign resident. It is important to note that citizenship and residency are not necessarily the same thing from the viewpoint of the balance of payments statistics. The term residents co

54、mprises individuals, households, firms and the public authorities. There are some problems that arise with respect to the definition of a resident. Multinational corporations are by definition resident in more than one country. For the purposes of balance-of-payments reporting, the subsidiaries of a

55、 multinational are treated as being a resident in the country in which they are located even if their shares are actually owned by domestic residents. Another problem concerns the treatment of international organizations such as the International Monetary Fund, the World Bank and the United Nations.

56、 These institutions are treated as being foreign residents even though they may actually be located in the reporting country. For example although the International Monetary Fund is located in Washington, contributions by the US government to the Fund are included in the US balance-of-payments stati

57、stics because they are regarded as transactions with a foreign resident. Tourists are regarded as being foreign residents if they stay in the reporting country for less than one year. The criterion for a transaction to be included in the balance of payments is that it must involve a transaction between a resident of the reporting country and a resident from the rest of the world. Purchases and sales between residents from the same country are excluded. 6. What is the balance of payments?A.The