初级银行综合类模拟试卷3

初级银行综合类模拟试卷3

一、单项选择（本题共70题，每题7.0分，共70分0）

1、Amortgageisatypeof.

A、supply

B、conveyance

C、limit

标准答案：B

知识点解析：暂无解析

2、Hewantstogetaloantosomeimprovementsinhisfactory.

A、fluctuate

B、adjust

C、finance

标准答案：C

知识点解析：暂无解析

3、Interestralesarehighbecausemoneyis.

A、guaranteed

B、variable

C^tight

标准答案：C

知识点解析：暂无解析

4、They'llnevergetamortgage;they'rebad.

A^risks

B、mortgages

C、finance

标准答案：A

知识点解析：暂无解析

5、Therewillbenochangeintheinterestrateduringtheofthemortgage.

A、life

B>limit

C、tide

标准答案：A

知识点解析：暂无解析

6、We'repayingfbrthefurnitureweboughtinmonthly.

A^installments

B、budgets

C、creditbureau

标准答案：A

知识点解析：暂无解析

7、Thebankusesatofindouthowprospectiveborrowersrepaidtheirpast

debts.

A、profile

B>loanagreement

C^creditbureau

标准答案：C

知识点解析：暂无解析

8、Mr.Harris'sapplicationfbraIoanwasapprovedbecauseheis.

A、creditworthy

B、ontime

Cxcapacity

标准答案：A

知识点解析：暂无解析

9、Becausetheborrowerdefaultedonhisrepaymentoftheloan,thebankwillholdthe

responsible.

A^reportingagency

B、co-signer

C^budget

标准答案：B

知识点解析：暂无解析

10、LisaandFrankEdwardsdevelopedaofmonthlyexpensestoseehowmuch

moneytheywouldhaveleftovertomakeloanpaymentsonarefrigerator.

A、data

B、profile

C、consumercredit

标准答案：B

知识点解析：暂无解析

二、完型填空（本题共70题，每题1.0分，共70分。）

trade,above,expiration,respond,strike,profitable,seller,how,most,financialIn

general,anoptiongivestothebuyertheright,butnottheobligation,tobuyorsella

good,whereastheoptionsellermust[21]accordingly.Manydifferenttypesofoption

contractsexistinthe[22]world.Thetwomajortypesofcontracts[23]onorganized

optionsexchangesarecallsandputs.Acallgivestothebuyeroftheoptioncontractthe

righttobuyaspecifiednumberofunitsofanunderlyingasset,ataspecifiedpricecalled

theexerciseor[24]price,onorbeforeaspecifieddatecalledtheexpirationdateor

strikedate.Aputgivesitsthebuyertherighttosellaspecifiednumberofunitsofan

underlyingassetataspecifiedpriceonorbeforeaspecifieddate.Inallcasesthe[25]

oftheoptioncontract,thewriter,issubordinatetothedecisionofthebuyer,andthe

buyerexercisestheoptiononlyifitis[26]tohimorher.Thebuyerofacallbenefitsif

thepriceoftheassetis[27]theexercisepriceatexpiration.Thebuyerofaputbenefits

iftheassetpriceisbelowtheexercisepriceatexpiraticn.Thecompletedefinitionofan

optionmustclearlyspecify[28]theoptioncanbeexercised.AEuropean-typeoption

canonlybeexercisedonaspecifieddate,usuallythe[29]date.AnAmerican-type

optioncanonlybeexercisedbythebuyeratanytimeuntiltheexpirationdate.American

optionsareusedon[30]oftheorganizedoptionsexchangesintheworld.Bothtypesof

optionscanbefreelytradedatanytimeuntilexpiration.

11、

标准答案：respond

知识点解析：暂无解析

12、

标准答案：financial

知识点解析：暂无解析

13、

标准答案：traded

知识点解析：暂无解析

14、

标准答案：strike

知识点解析：暂无解析

15、

标准答案:seller

知识点解析：暂无解析

16、

标准答案：profitable

知识点解析：暂无解析

17、

标准答案：above

知识点解析：暂无解析

18、

标准答案：how

知识点解析：暂无解析

19、

标准答案：expiration

知识点解析：暂无解析

20、

标准答案：most

知识点解析：暂无解析

三、阅读理解（本题共4题，每题1.0分，共4分。）

CreditandcredibilityInpursuitofanewsourceofprofit,manyoftheentitiesthatcall

themselvesbankshavestrayedfarfromthebusinessoftakingandsafeguardingthe

public'sdepositsandrunningthepaymentsystem.Competitionhasforcedbankstorange

sofar,insomanydirectionsandatsuchalickthat,pciiiapsforthefirsttimesincethe

daysofShylock,itisnecessarytostoptoaskquitewhatisabank.Thegalesofchange

willleavemanybankslookingdifferentinformandsubstancefromadecadeago.

Bankingistraditionallythoughtofasonebusiness,notleastofallbybankers.Yet,as

Mr.ThomasSteinerofMckinsey,amanagementconsultancy,pointsout,itcomprises

around150differentlinesofbusiness.Thereislittlethatisspecialaboutmanyofthem.

Infuture,plentyoftheseactivitieswillbedonebyothers,eitherinsteadoforaswellas

bybanks.Ontheothersideofthecoin,manyofthethingsthatotherfinancialinstitutions

nowdowillbe-comethebusinessofsomebanks.Bankingwillstillbeaprincipalityin

thekingdomoffinancialservices,butitsheartlandwillshrink.Outsiderswillmovein.

Muchofthenativepopulationwillsettleelsewhere.Thebankers'diasporawillbewide.

CrossingthedividesThischangeisalreadyseeninAmerica,EuropeandJapan.

AmericanandJapanesecommercialbanksarepushingtheirmerchantbankingasdeeply

intothesecuritiesbusinessastheyfeeltheregulatorswillletthemgetawaywith.

CiticorpandJ.P.Morganhaveallbeenal-lowedtosetupsecurities-underwriting

affiliatesslippingthroughtheSection20loopholeofthelegislationseparating

commercialandinvestmentbanking.Thetwobusinesseshavebecomesointerwoven

that,asMr.DennisWeatherstone,presidentofJ.P.Morgan,says,wereallyhavetorip

thefabrictoseparatethethreads.Fortheirpart,investmentbanksandsecuritieshouses

havebecomedirectsuppliersofcredittowiderangeoffinancialandnon-financial

customers.Theyofferinvestmentproductsthatarevirtualsubstitutesforinterest-

earningdemanddeposits.Theyownandoperatenon-bankbanksthatgiveaccessto

paymentsystems.Inshort,theyhavebecomeprovidersofservicesthatcommercial

bankshavetraditionallyoffered.Thoughforbiddenfromcommercialbankingintheir

homemarket,AmericanandJapaneseinvestmentbanksandsecuritieshouseshappilyrun

suchbankingaffiliatesabroad.Itisnotonlytheboundariesbetweenthebankingand

securitiesindustriesthatarebecomingblurred.Soarethosewithinsuranceand

commerce.Bankersarebecomingeverydayoccurrences.Japan'sNipponLifejoinedthe

actinFebruarybytakinga4%stakeinSpain'sBancoBilbaoVizcayafor250m.At

home,Japaneseinsurersalreadyhaveaffiliationswithbanks,throughthewebofcross-

shareholdingsofthebigindustrialgroups.America'sthirdbiggestre-tailstockbroking

firm,Pru-Bache,hasdippedinthewatersofbankingbybuyingasmallbankinGeorgia

andmorerecentlyathrift.Everywhereordinarycommercialfirmsaremakingdeep

insuranceintofinancialservices.Retailersandmanufacturersownsecuritiescompanies,

insurancefirms'thriftsandnon-bankbanks.Theyofferawiderangeofcredit,

investment-bankingandinsuranceservices,tocompaniesandindividualsalike.

21、Whatdoesthepronoun''themselves"(line2)refertointhetext?

sources

B、entities

C、hanks

D^companies

标准答案：B

知识点解析：暂无解析

22>WhichofthefollowingstatementsisFalseaccordingtothetext?

A、Competitionisgraduallyforcingbankstoquestiontheiridentity.

B、Mostofthedifferentactivitiesdonebybankscouldbedonebyothertypesof

insiiiuiion.

C^RegulationsinAmericaandJapanarcpreventingcommercialbanksfromgettinginto

thesecuritiesbusiness.

D、SeparatingthecommercialandinvestmentbankingactivitiesofsomeAmerican

bankswouldbeverydifficult.

标准答案：B,

知识点解析：暂无解析

23、Whatdoesthissentencemean?"Bankingwillstillbeaprincipalityinthekingdom

offinancialservices,butitsheartlandwillshrink."

A、Bankingwillstillbethemostimportantpartoffinancialservices.

B、Bankingwillbeabsorbedbyotherareasoffinancialservice.

C>Bankingwillremainanindependentbutsmallerareaoffinancialservices.

D、Banking'spositionwithinfinancialserviceswillbeunchanged.

标准答案：A

知识点解析：暂无解析

Single,butnotlevelThe1992programmeisgoingtorunabitlatefortheEuropean

Community'sfinancialservicescompanies.Theearliestthatthewhole-moreorless-

oftheindustrywillbeabletotakeadvantageofitssinglemarketnowlookslikebeing

mid-1994.ThatistheEuropeanCommission'sunstatedtimetableforECmember

countriestoimplementitsthirdlife-insurancedirective,whosedraftispublishedon

February20th.Thedirective,whichfollowssimilardirectiveonnon-lifeinsurance

publishedindraftafewmonthsago,isthelastbigelementinitspushtoopenfinancial

marketsthatarestillhighlyprotected.Thebroadideaisthatfinancialservicecompanies

shouldhavetherighttooperatethrough-outtheEConthebasisofasingle"passport",

issuedbythesupervisoryauthorityintheirhomecountry.Thecommissionhopedtohave

themaininsurance-allliberalisedtogetherattheendof1992.Nowitlooksasifonlythe

bankingdirective,adoptedbytheCouncilofMinistersinDecember1989,willbe

operativeintime.Adraftinvestmentservicesdirectivewassubmittedbythecommission

tothecouncilinJanuary1989,andismuchfurtheralongthelegislativeroadthanthetwo

insurancedirectives.Yettheobstaclesthatithasrunintomakeitprobablethatevenit

willmisstheend-1992deadline.Thedirectivewouldletinvestmentbanksand

stockbrokersserveclientsthroughouttheECandtradeonallECexchanges,subjected

onlytohome-countrycontrol.ProblemsaroselastNovember,whenFranceproposedto

curbtheirfreedomtotradesecuritiesoutsiderecognisedexchanges.ThishassplittheEC

intotheusualnorth/south,liberal/interventionistgroups.The12financeministerswilltry

againonFebruary25th,butprogressisunlikely.Eventually,acompromisewillnodoubt

bereached,probablyonesayingthatsmallinvestorsshouldhavetheirordersexecutedon

officialmarketsunlesstheywantotherwise.Butallthiswilltaketimetonegotiate.The

councilisunlikelytoadoptthedirectiveformallymuchbeforetheendofthisyear.

Governmentswillthenbehardputtogetitontotheirnationalstatutebooksbymid-

1993.Dothedelaysintheinvestmentservicesandinsurancedirectivesmatter?TheEC

isadeptatmisseddeadlines,andend-1992wasnevercarvedinstone.Thetroubleisthat

banks,investmenthousesandinsurersarenowincompetitionwitheachother.Banks

thereforewillhaveaheadstartovertheirnon-bankingrivalsinsellingcompetitive

productsacrosstheEC.Insteadofthesingle,levelplayingfieldforfinancialservicesthat

theCommunitytalksof,thefieldwillindeedbesinglebutstillslopingfromoneendto

theother.Seniorcommissionofficialssaythatitisuptonationalgovernmentstogeta

moveon.Thisiswishfulthinking.OnFebruary19ththeBritishgovernmentbegan

consultingwithinterestedpartiesonlastautumn'snon-life-insurancedraftdirective.

Thisprocesswilltakemonthstocomplete,andonlythen,saytheBritish,willtheybe

abletobeginseriousnegotiationsintheCouncilofMinisters.Thedraftlifedirective,

whilesharingsomeprincipleswiththenon-lifedraft,alsoposesnewproblemsthatwill

taketimetoresolve.Theseconcernssuchissuesasconsumerprotection(thatis,

(iisclosure,supervisionandsoon),calculatingtechnicalprovisionstomeetinsurers'

liabilities,andtheremovalofcertainnationalprovisionslikeBelgium'sbanonlife-

insurancepolicieslinkedtounittrusts.

24、LookCarefullyatParagraph7.Thendecidewhichofthefollowingisthebest

explanationofthelastsentenceinthatparagraph.

A、Bankswillnotbeincompetitionwithinsurancecompaniesandinvestmentservice

companiesafter1992.

B、Onlybankswillbeallowedtoaltertheirareasofactivityafter1992.

C、Bankswillhaveanunfairadvantageoverotherfinancialinstitutionsfrom1922.

D、TheEuropeanCommissionwishestogivebanksaspecialpositioninthesingle

maiket.

标准答案：B

知识点解析：暂无解析

四、英释汉（本题共2题，每题7.0分，共2分。）

25Becauseinsurancecontractsarecomplicated,theymustbeapprovedbythe

regulatoryauthoritiestoensurethattheinsurance-buyingpublicwillnotbemistreated

asaresultofun-fairprovisions.

标准答案：因为保险合同很复杂，监管当局必须先审批以保证购买保险的公众不会

因为不利的条款而受损。

知识点解析：暂无解析

26、Increasinglygloballyintegratedfinancialmarketsposesignificantchallengestothe

regulationofsecuritiesandfuturesmarket.

标准答案：日益在全球范围整合的金融市场给金融市场的监管带来了巨大的挑战.

知识点解析：暂无解析

五、判断正误(本题共6题，每题1.0分，共6分。)

Therearetwogeneralwaysinwhichtheterm"market"isusedineconomics.First,a

marketisthoughtofasaformalorinformalorganizationofbuyersandsellerswho

conducttradesinparticularcommoditiesorservices.Themarketmaybelocatedata

geographicalmeetingplace,suchasyourfriendlyneighborhoodbookstoreorshopping

center(aretailmarket).Amarketmaybeorganizedoverwideareasconnectedthrough

phonesorcomputerterminals.AlthoughthetradingroomoftheNewYorkStock

ExchangeislocatedinNewYorkCity,buyersandsellerswhoactivelyparticipateinthis

marketmayconducttheirtradesfromdistantlocations.Thisdescriptionisthe

institutionalwayoflookingalamarket.Thesecondmeaningoftheword"market"is

usedinformaleconomicmodels.Heretheequationsthatexplainthedemandandsupply

ofacommoditysuchasmoneyaresometimesgroupedtogether.Althoughmoneyis

tradedinallmarkets,thereasonsforsupplyingandholdingmoneyarethoughttobe

specificenoughtowarrantseparateequations.Thisisanabstractwaytothinkofthe

moneymarket.Newfinancialassetsaretradedinprimarymarkets.Financialassetsthat

areresoldaretradedinsecondarymarkets.Finnsthatspecializeintradingeithernewor

reissuedfinancialassetsarecalledprimaryandsecondarydealers,respectively.Bothnew

andreissuedsecuritiesaretradedinmanymarkets,suchastheU.Smoneymarket.The

NewYorkStockExchange,however,isasecondarymarket.

27、Afinancialmarketmaybethoughtofasanordinarymarketinwhichtradersmay

buyorsellparticularfinancialcommodities.

A、Right.

BNWrong.

C、Doesn'tsay.

标准答案：A

知识点解析：暂无解析

28、Wecanlearnfromthesecondpartofthepassagethattherearesomeequationsof

marketwhichcanexplainthedemandandsupplyofthecurrencyofacountry.

A^Right.

B、Wrong.

C、Doesn'tsay.

标准答案：C

知识点解析：暂无解析

29、IfaconsumerwantstosellhisCDsbeforethematuritydate,hewoulddoitinthe

primarymarkets.

A、Right.

BNWrong.

C、Doesn'tsay.

标准答案：B

知识点解析：暂无解析

Aconsumerwithanunusedlineofcreditonhisorhercreditcardaccountmaymake

retailpurchasewithoutpresentingademanddepositcheckorcash.Unutilizedcreditcard

creditisusedinstead.Thelineofunutilizedcreditavailabletocardholdersmaybea

goodcandidateforinclusioninthedefinitionofmoney.Thesecreditlinesserveasa

mediumofexchangeforthepurchaseofawidevarietyofgoodsandservices.Linesof

unutilizedcreditcardcreditaresimilartounutilizeddemanddepositoverdraftfacilities,

whichallowcustomerstoissuechecksformoremoneythantheyhaveondeposit.

Overdrafts,which