金融英语期末复习

1、金融英语期末复习1. brokerA）经济人2. lifeinsuranceA）人寿保险B）经纪人B）财产保险3. capitaladequacyratioA）资本充足率4. runonabankA）贷款5. financialcrisisA）金融风险B）资本利润率B）存款B）金融监管6.legalreservesrequirementA）公开市场业务7. exchangerateA）汇率8. monetarymarketA）资本市场9. optionA）期货monstockA）普通股11.bullmarketA）牛市12.centralbankA）中央银行13.simpleinterestA

2、）复利14.liquidityA）流动性15. balancesheetA）现金流量表16. off-shorebankingA）国际银行业务C）承销商C）海上保险C）资金利用率C）挤兑C）金融危机B）利率C）红利B）票据市场C）货币市场B）期权C）互换B）优先股C）/芬B）熊市C）套利B）法定存款准备金C）再贴现率C）投资银行B）商业银行B）单利C）本金B）赢利性资产负债表B）离岸银行业务C）结算业务17.structuralimprovementA）结构调整18.moralhazardA）道德风险19.fixedcostA）固定成本20.stagflationA）通货膨胀21.Widesp

3、read结构优化逆向选择边际成本通货紧缩C）结构失调C）信息不对称C）平均成本C）滞胀affectsnotonlythenation'sinternationalbalanceofpaymentbutalsothesalesofhomeindustries.A）speculatingB）smugglingC)streamliningDstocktaking22. Bankswillnotmakealoantoanyborrowerunlesstheymakesurethelatteris.A)prosperousB)richC)solventD)honest23. The"F

4、ord"isdesignedtoassistsomeoutstandingscholarsintheireffortstodooutstandingresearches.A)FoundationB)SponsorshipC)FundD)Funds24. Allbondholderswillbepaidatvalueofthebondonmaturity.A)agreedB)securityC)paperD)par25. Foradepositof$10000attheannualinterestrateof6%,onemayreceiveatotalof$10600onmaturit

5、yforhisandinterest.A)originalB)stakeC)principalD)deposit26. Inthoseyears,manyforeigninvestorswithdrewfromthecountrybecauseofdisappointingrateofinvestment.A)gainsofB)yieldofC)returnonD)returnof27. Majoritybusinessmenbenefitfromthedifferencebetweenpriceandwholesaleprice.A)distributionB)bitC)lotD)retai

6、l28. Asarule,theconstructioncontactorhastosubmittotheclientasumabout10%ofcontractpriceasofcontractperformance.A)mortgageB)promiseC)commitmentD)security29. Theinvestmentofafirmmayfellintotwocategories:thefirstisforinvestmentinfixedassets,thesecondisforinitsday-to-dayoperation.A)turnoverB)wagesC)bonus

7、D)incentive30. Intheory,thosepertaintothefirm'sassets.A)accountsreceivableB)receivableaccountsC)payableaccountsD)accountspayable31. Thepercentageanalysisofincreasesanddecreasesincorrespondingitemsincomparativefinancialstatementsiscalled.A)verticalanalysisB)horizontalanalysisC)externalanalysisD)c

8、omparativeanalysis32. Thedocumentarycollectionprovidesthesellerwithagreaterdegreeofprotectionthanshippingon.A)openaccountB)bank'sletterofguaranteeC)banker'sdraftD)documentarycredit33. WhenGBP/USDrategoesfrom1.6150to1.8500,wesaythedollar.A)appreciatesby12.70%B)depreciatesby14.55%C)depreciates

9、by12.70%D)appreciatesby14.55%34.Thepriceintheforeignexchangemarketiscalled.A)thetradesurplusB)thecurrencyrateC)themoneypriceD)theexchangerate35. Whatfunctionismoneyservingwhenyoubuyatickettoamovie?.A)transactiondemandB)amediumofexchangeC)storeofvalueD)aunitofaccount36. Thesearefourmainmethodsofsecur

10、ingpaymentininternationaltrade:(1)paymentunderdocumentarycredit(2)openaccount(3) collection,thatisdocumentagainstpaymentoracceptanceofabillofexchange(4)paymentinadvanceFromanexporter'spointofview,theorderofpreferenceis.A)(4),(1),(3),(2)B)(4),(2),(3),(1)C)(4),(3),(1),(2)D)(2),(4),(1),(3)37. Theri

11、skthatisspecifictoindividualstocksiscalled.A)systematicriskB)countryriskC)unsystematicriskD)marketrisk38.Money.A)servesasthecriticalfunctionofamediumofexchangeB)facilitatestradeingoodsandservicesC)overcomestheinefficienciesofbarterD)alloftheabove39. MrWang,alawyer,isabettertypistthanhissecretary,but

12、hestillhashertodothetyping.Whateconomicprinciple,muchusedintradetheory,doesthisillustrated?A)absoluteadvantageB)economiesofscaleC)diminishingreturnsD)comparativeadvantage40.Theeconomicssituationathomeandabroad,includingtheinterestrate,theexchangerate,easemoney(expansionofmoneysupply)ortightmoney(con

13、tractionofmoneysupply),hasalongterminfluenceonstockprices.41. ThefunctionoftheWorldBankistoprovideamechanismforsupplyingforlongperiodsoftime20or30yearstheforeignexchangeneededtorebuildanddevelopeconomies.42. Spottransactionsareforeignexchangetransactionsthathavetobesettledpromptly,forwardtransaction

14、shavetobesettledonanagreedfuturedate.43. Throughyearsofreformefforts,Chinahasdevelopedabankingsystemconsistingmainlyofthewhollystate-ownedcommercialbanksandjoint-equitycommercialbanksunderthesupervisionofthecentralbank,thePeople'sBankofChina.44. Theuseofforeignexchangearisesbecausedifferentnatio

15、nshavedifferentmonetaryunitsandthecurrencyofonecountrycannotbeusedformakingpaymentinanothercountry.45. VentureCapitalcompanypoolsthepartners'assetsandusetheseassetstohelpafreshenterprisetobeginitsnewcause.46. Oneofthemainfunctionsofbanksistotakeindepositfromsurplusregionsandthenmakeloanstothedef

16、icitregions.47. TheimplementationofthestabilizationandstructuralmeasureshasbeenamajorfactorunderlyingtheresilienceoftheChineseeconomyinthecontextofthecrisisinAsianfinancialmarketsandtherecentweakeningofglobaleconomicactivity.48. Asymmetricinformationispresentinloanmarketbecauselendershavelessinforma

17、tionabouttheinvestmentopportunitiesandactivitiesofborrowersthanborrowersdo.49. Thefunctionsoffuturesmarketsarepricediscovery,priceriskhedging,andmarketefficiencyimproving.Directions：Readthefollowingpassages,anddeterminewhetherthesentencesareRight'or“Wrong”.Ifthereisnotenoughinformationtoanswer“R

18、ight"or"Wrong”,choose“Doesn'tsay"Passage1Liquidityisameasureofhowquicklyanitemmaybeconvertedtocash.Therefore,cashisthemostliquidasset.Accountreceivableisarelativelyliquidassetbecausethebusinessexpectstocollecttheamountincashinthenearfuture.Suppliesarelessliquidthanaccountsreceivab

19、le.Usersoffinancialstatementsareinterestedinliquiditybecausebusinessdifficultiesoftenariseowingtoshortageofcash.Howquicklycanthebusinessconvertanassettocashandpayadebt?Howsoonmustaliabilitybepaid?Thesearequestionsofliquidity.50. Long-termassetsareallassetsotherthancurrentassets.A)rightB)wrongC)Doesn

20、'tsay51. Suppliesarelessliquidthanaccountsreceivable,andfurnitureandbuildingsareevenlessso.A)RightB)WrongC)Doesn't52. Peopleareinterestedinliabilitiesonthebalancesheetbecauseitisrelativelyliquid.A)RightB)wrongC)Doesn'tsayPassage2Whereasthemoneymarketsprovideveryshort-termloans,thecapital

21、markettakesaccountofmediumandlong-termloans.Itservestheneedsofindustryandcommerce,governmentandlocalauthorities.Privatesectorfirmsborrowtheirworkingcapital(currentassetsminuscurrentliabilities)fromthemoneymarket,whichusedtobemainlyviacommercialbanks;theroleofbanksasmiddlemenhasnowdiminished,evenfort

22、heworkingcapitalrequirements.Privatesectorfirmsraisetheirfixedcapitalbytheissueofsharesorcommercialpaperbonds.Governmentandlocalauthoritiesborrowmediumandlong-termcapitalbyissuinggilt-edgedstocksandbands.Themainmarketplaceforlendingandborrowingmediumandlong-termcapitalintheUKistheStockExchangeinLond

23、on.53. Anindustrialcorporatecanmeetitsfinancialneedsbyseekingfundsfromthecapitalmarkets.A)RightB)wrongC)Doesn'tsay54. Nowadaysaprivatebusinessusuallyobtainsitsworkingcapitalthroughacommercialbank.A)RightB)wrongC)Doesn'tsay55. IntheUKcommercialbanksoftenraisefundsbyissuingbandsandstocks.A)Rig

24、htB)wrongC)Doesn'tsayPassage3Acommercialbankshallformulateitsbusinessrules,establishandimproveitsbusinessmanagement,thesystemofcashcontrolanditssecuritysysteminaccordancewiththestipulationsofthePeople'sBankofChina.Acommercialbankshallestablishandimproveitssystemsofexaminingandcheckingdeposit

25、s,loanssettlementsandbadanddoubtfulaccounts.ThePBCcanexerciseexaminationofacommercialbankatanytimeinaccordancewiththerelevantprovisions.Thepersonnelinchargeoftheexaminationandsupervisionshouldproducetheirlegitimateatthetimeofconductingexaminationandsupervision.Acommercialbankshallprovidefinancialacc

26、ountinginformation,businesscontractsandotherinformationaboutitsbusinessandmanagementattherequestofthePeople'sBankofChina.Acommercialbankissubjecttotheauditcontrolbytheauditingauthoritiesinaccordancewiththeauditlawandregulations.57. ThePBCcanexerciseexaminationofacommercialbankatanytime.A)RightB)

27、wrongC)Doesn'tsay58. Acommercialbankshallestablishandimproveitssystemofinternalcontrolaccordingtolaw.A)RightB)wrongC)Doesn'tsay59. AmemberstaffofthePBCshouldpresenthislegitimatecertificateforon-siteexamination.A)RightB)wrongC)Doesn'tsay60. Theauditingauthoritiescannotexercisetheauditcont

28、roloveracommercialbank.A)RightB)wrongC)Doesn'tsay1. off-shorebankingA)离岸银行业务B)国际银行业务C)结算业务2. capitaladequacyratioA)资本充足率B)资本利润率C)资金利用率3. moralhazardA)信息不对称B)逆向选择C)道德风险4. structuralimprovementA）结构失调B）结构优化C）结构调整5. commercialbankA）中央银行B）商业银行C）投资银行6. dividendA）汇率B）利率C）红利7. legalreservesrequirementA）

29、再贴现率B）法定存款准备金C）公开市场业务8. compoundinterestA）复利B）单利C）本金9. balance sheetA ）利润表 10. average costA）固定成本11. monetary marketA ）资本市场 12. common stockA ）普通股13. liquidityA ）风险性 14. bear marketA ）牛市 15. brokerA ）经纪人16. futureA ）期货 17. life insuranceA）财产保险18. depositA ）挤兑 19. financial crisisA）金融风险20. inflationA

30、）通货膨胀B ）现金流量表B ）边际成本B）票据市场B ）优先股B ）赢利性B ）熊市B ）经济人B ）期权C ）资产负债表C ）平均成本C ）货币市场C ）债券C ）流动性C ）套利C ）承销商C ）互换C ）贷款C ）滞胀B）人寿保险C ）海上保险B ）存款B ）金融监管C ）金融危机B）通货紧缩21. TheBankofChinahasbeenrecognizedastheAAAbankbyaJapanesecreditAgencythatisveryauthoritativeininternationalfinancialcommunity.A）evaluatingB）assessin

31、gC）appraisalD）rating22. Owingtohisgoodreputation,Mr.WhitecanbuythingsinnearbyshopA）withoutmoneyB）oncreditC）forlockofmoneyD）atorder23. Foradepositof$1000attheannualinterestrateof5%,onemayreceiveatotalof$1050onmaturityforhisandinterest.A)originalB)stakeC)principalD)deposit24. Ifwemeantolearnforeignadv

32、ancedtechnologyandmanagementintheoperation,we'dbetterestablishajointwithforeignfirmratherthanworkonyourown.A)businessB)corporationC)firmD)venture25. Ifyouhaveadraftandisbadlyinneedofmoneybeforematurityofpayment,youmaysellitatforcashtothebankorothersatthecommercialpapermarket.A)discountB)premiumC

33、)depreciationD)expense26. Wehavetoclosedownthebranchbankinthatregioninthatitsisfarfromcoveringtheexpensesincurred.A)currencyB)depositC)reservesD)earnings27. Whatfunctionismoneyservingwhenyoubuyatickettoamovie?.A) storeofvalueB) amediumofexchangeC) transactiondemandD) aunitofaccount28. Thepriceintheforeignexchangemarketiscalled.A)thetradesurplusB)theexchangerateC)themoneypriceD)thecurrencyrate29. What'stheinterestrateona20-yearmortgageloan?30. Althoughcapitalmarketdevelopmentisexpectedtospeedup,banksinChina,whichcurrentlyprovideabout75percento