金融英语期末复习

1、金融英语期末复习1. broker a ) 经济人 b ) 经纪人 c ) 承销商2. life insurance a ) 人寿保险 b ) 财产保险 c ) 海上保险3. capital adequacy ratio a ) 资本充足率 b ) 资本利润率 c ) 资金利用率4. run on a bank a ) 贷款 b ) 存款 c ) 挤兑5. financial crisis a ) 金融风险 b ) 金融监管 c ) 金融危机6. legal reserves requirement a ) 公开市场业务 b ) 法定存款准备金 c ) 再贴现率7. exchange rate

2、 a ) 汇率 b ) 利率 c ) 红利8. monetary market a ) 资本市场 b ) 票据市场 c ) 货币市场9. option a ) 期货 b ) 期权 c ) 互换10. common stock a ) 普通股 b ) 优先股 c ) 债券11. bull market a ) 牛市 b ) 熊市 c ) 套利12. central bank a ) 中央银行 b ) 商业银行 c ) 投资银行 13. simple interest a ) 复利 b ) 单利 c ) 本金14. liquidity a ) 流动性 b ) 赢利性 c ) 风险性15. bala

3、nce sheet a ) 现金流量表 b ) 利润表 c ) 资产负债表16. off-shore banking a ) 国际银行业务 b ) 离岸银行业务 c ) 结算业务17. structural improvement a ) 结构调整 b ) 结构优化 c ) 结构失调18. moral hazard a ) 道德风险 b ) 逆向选择 c ) 信息不对称19. fixed cost a ) 固定成本 b ) 边际成本 c ) 平均成本 20. stagflation a ) 通货膨胀 b ) 通货紧缩 c ) 滞胀21. widespread affects not only

4、the nations international balance of payment but also the sales of home industries. a ) speculating b ) smuggling c ) streamlining d )stocktaking22. banks will not make a loan to any borrower unless they make sure the latter is .a ) prosperous b ) rich c ) solvent d ) honest23. the “ford ”is designe

5、d to assist some outstanding scholars in their efforts to do outstanding researches.a ) foundation b ) sponsorship c ) fund d ) funds24. all bondholders will be paid at value of the bond on maturity.a ) agreed b ) security c ) paper d ) par25. for a deposit of $10000 at the annual interest rate of 6

6、%, one may receive a total of $10600 on maturity for his and interest.a ) original b ) stake c ) principal d ) deposit26. in those years, many foreign investors withdrew from the country because of disappointing rate of investment.a ) gains of b ) yield of c ) return on d ) return of27. majority bus

7、inessmen benefit from the difference between price and wholesale price.a ) distribution b ) bit c ) lot d ) retail28. as a rule, the construction contactor has to submit to the client a sum about 10% of contract price as of contract performance.a ) mortgage b ) promise c ) commitment d ) security 29

8、. the investment of a firm may fell into two categories: the first is for investment in fixed assets, the second is for in its day-to-day operation.a ) turnover b ) wages c ) bonus d ) incentive30. in theory, those pertain to the firms assets.a ) accounts receivable b ) receivable accounts c ) payab

9、le accounts d ) accounts payable31. the percentage analysis of increases and decreases in corresponding items in comparative financial statements is called _.a ) vertical analysis b ) horizontal analysis c ) external analysis d ) comparative analysis 32. the documentary collection provides the selle

10、r with a greater degree of protection than shipping on _.a ) open account b ) bank's letter of guaranteec ) banker's draft d ) documentary credit33. when gbp/usd rate goes from 1.6150 to 1.8500, we say the dollar _.a ) appreciates by 12.70% b ) depreciates by 14.55%c ) depreciates by 12.70%

11、d ) appreciates by 14.55%34. the price in the foreign exchange market is called _.a ) the trade surplus b ) the currency rate c ) the money price d ) the exchange rate35. what function is money serving when you buy a ticket to a movie? _.a ) transaction demand b ) a medium of exchange c ) store of v

12、alue d ) a unit of account36. these are four main methods of securing payment in international trade:(1) payment under documentary credit(2) open account(3) collection, that is document against payment or acceptance of a bill of exchange(4) payment in advancefrom an exporter's point of view, the

13、 order of preference is _.a ) (4) , (1) , (3) , (2) b ) (4) , (2) , (3) , (1) c ) (4) , (3) , (1) , (2) d ) (2) , (4) , (1) , (3)37. the risk that is specific to individual stocks is called _.a ) systematic risk b ) country risk c ) unsystematic risk d ) market risk38. money _.a ) serves as the crit

14、ical function of a medium of exchange b ) facilitates trade in goods and servicesc ) overcomes the inefficiencies of barter d ) all of the above39. mr wang, a lawyer, is a better typist than his secretary, but he still has her to do the typing. what economic principle, much used in trade theory, doe

15、s this illustrated? _ a ) absolute advantage b ) economies of scale c ) diminishing returns d ) comparative advantage 40. the economics situation at home and abroad, including the interest rate, the exchange rate, ease money (expansion of money supply) or tight money (contraction of money supply), h

16、as a long term influence on stock prices.41. the function of the world bank is to provide a mechanism for supplying for long periods of time 20 or 30 years the foreign exchange needed to rebuild and develop economies.42. spot transactions are foreign exchange transactions that have to be settled pro

17、mptly, forward transactions have to be settled on an agreed future date.43. through years of reform efforts, china has developed a banking system consisting mainly of the wholly state-owned commercial banks and joint-equity commercial banks under the supervision of the central bank, the people's

18、 bank of china.44. the use of foreign exchange arises because different nations have different monetary units and the currency of one country cannot be used for making payment in another country.45. venture capital company pools the partners assets and use these assets to help a fresh enterprise to

19、begin its new cause.46. one of the main functions of banks is to take in deposit from surplus regions and then make loans to the deficit regions.47. the implementation of the stabilization and structural measures has been a major factor underlying the resilience of the chinese economy in the context

20、 of the crisis in asian financial markets and the recent weakening of global economic activity.48. asymmetric information is present in loan market because lenders have less information about the investment opportunities and activities of borrowers than borrowers do.49. the functions of futures mark

21、ets are price discovery, price risk hedging, and market efficiency improving.directions：read the following passages, and determine whether the sentences are “right” or “wrong”. if there is not enough information to answer “right” or “wrong”, choose “doesnt say”. passage 1 liquidity is a measure of h

22、ow quickly an item may be converted to cash. therefore, cash is the most liquid asset. account receivable is a relatively liquid asset because the business expects to collect the amount in cash in the near future. supplies are less liquid than accounts receivable. users of financial statements are i

23、nterested in liquidity because business difficulties often arise owing to shortage of cash. how quickly can the business convert an asset to cash and pay a debt? how soon must a liability be paid? these are questions of liquidity.50. long-term assets are all assets other than current assets.a ) righ

24、t b ) wrong c) doesnt say51. supplies are less liquid than accounts receivable, and furniture and buildings are even less so.a) right b ) wrong c) doesnt52. people are interested in liabilities on the balance sheet because it is relatively liquid.a ) right b )wrong c) doesnt saypassage 2 whereas the

25、 money markets provide very short-term loans, the capital market takes account of medium and long-term loans. it serves the needs of industry and commerce, government and local authorities. private sector firms borrow their working capital (current assets minus current liabilities) from the money ma

26、rket, which used to be mainly via commercial banks; the role of banks as middlemen has now diminished, even for the working capital requirements. private sector firms raise their fixed capital by the issue of shares or commercial paper bonds. government and local authorities borrow medium and long-t

27、erm capital by issuing gilt-edged stocks and bands. the main market place for lending and borrowing medium and long-term capital in the uk is the stock exchange in london.53. an industrial corporate can meet its financial needs by seeking funds from the capital markets.a ) right b )wrong c) doesnt s

28、ay54. nowadays a private business usually obtains its working capital through a commercial bank.a ) right b )wrong c) doesnt say55. in the uk commercial banks often raise funds by issuing bands and stocks.a ) right b )wrong c) doesnt say passage 3 a commercial bank shall formulate its business

29、rules, establish and improve its business management, the system of cash control and its security system in accordance with the stipulations of the peoples bank of china. a commercial bank shall establish and improve its systems of examining and checking deposits, loans settlements and bad and doubt

30、ful accounts. the pbc can exercise examination of a commercial bank at any time in accordance with the relevant provisions. the personnel in charge of the examination and supervision should produce their legitimate at the time of conducting examination and supervision. a commercial bank shall provid

31、e financial accounting information, business contracts and other information about its business and management at the request of the peoples bank of china. a commercial bank is subject to the audit control by the auditing authorities in accordance with the audit law and regulations.57. the pbc can e

32、xercise examination of a commercial bank at any time.a ) right b )wrong c ) doesnt say58. a commercial bank shall establish and improve its system of internal control according to law.a ) right b )wrong c ) doesnt say59. a member staff of the pbc should present his legitimate certificate for on-site

33、 examination.a ) right b )wrong c ) doesnt say60. the auditing authorities can not exercise the audit control over a commercial bank.a ) right b )wrong c ) doesnt say1. off-shore banking a ) 离岸银行业务 b ) 国际银行业务 c ) 结算业务 2. capital adequacy ratio a ) 资本充足率 b ) 资本利润率 c ) 资金利用率3. moral hazard a ) 信息不对称 b

34、 ) 逆向选择 c ) 道德风险4. structural improvement a ) 结构失调 b ) 结构优化 c ) 结构调整5. commercial bank a ) 中央银行 b ) 商业银行 c ) 投资银行6. dividend a ) 汇率 b ) 利率 c ) 红利7. legal reserves requirement a ) 再贴现率 b ) 法定存款准备金 c ) 公开市场业务8. compound interest a ) 复利 b ) 单利 c ) 本金9. balance sheet a ) 利润表 b ) 现金流量表 c ) 资产负债表10. avera

35、ge cost a ) 固定成本 b ) 边际成本 c ) 平均成本11. monetary market a ) 资本市场 b ) 票据市场 c ) 货币市场12. common stock a ) 普通股 b ) 优先股 c ) 债券13. liquidity a ) 风险性 b ) 赢利性 c ) 流动性14. bear market a ) 牛市 b ) 熊市 c ) 套利15. broker a ) 经纪人 b ) 经济人 c ) 承销商16. future a ) 期货 b ) 期权 c ) 互换17. life insurance a ) 财产保险 b ) 人寿保险 c ) 海上

36、保险18. deposit a ) 挤兑 b ) 存款 c ) 贷款19. financial crisis a ) 金融风险 b ) 金融监管 c ) 金融危机20. inflation a ) 通货膨胀 b ) 通货紧缩 c ) 滞胀21. the bank of china has been recognized as the aaa bank by a japanese credit agency that is very authoritative in international financial community.a ) evaluating b ) assessing c

37、) appraisal d ) rating22. owing to his good reputation, mr. white can buy things in nearby shop .a ) without money b ) on credit c ) for lock of money d ) at order23. for a deposit of $1000 at the annual interest rate of 5%, one may receive a total of $1050 on maturity for his and interest.a ) origi

38、nal b ) stake c ) principal d ) deposit24. if we mean to learn foreign advanced technology and management in the operation, wed better establish a joint with foreign firm rather than work on your own.a )business b ) corporation c ) firm d ) venture25. if you have a draft and is badly in need of money before maturity of payment, you may sell it at for cash to the bank or others at the commercial paper market.a ) discount b ) premium c ) depreciation d ) expense26. we have to close down the branch bank in that region in that its is far from covering the expenses incurred.a ) curren