初级银行综合类模拟试卷8

初级银行综合类模拟试卷8

一、单项选择（本题共不题，每题7.0分，共乃分。）

1、Anaccountthattwoormorepeopleholdisa.

A^jointaccount

B、term-depositaccount

C、savingsaccount

标准答案：A

知识点解析：暂无解析

2、Inordertowithdrawmoneythebankrequiresyour.

A^depositor

B、interest

C^signature

标准答案：C

知识点解析：暂无解析

3、Thebankrecordsalltransactionsofanaccountinthecustomer's.

A^withdrawalslip

B、assets

C>passbook

标准答案：A

知识点解析：暂无解析

4、Manybanksworkwithsomanydifferentcustomersandaccountsthattheyneed

torecordalltransactions.

A、depositslips

B>computers

C、parties

标准答案：B

知识点解析：暂无解析

5、Youhavetoyourcheckinordertocashit.

A、withdraw

B、endorse

C、accommodate

标准答案：B

知识点解析：暂无解析

6、Thebankchargesatocoverthecostofbookkeeping.

A、payee

transaction

C、fee

标准答案：C

知识点解析：暂无解析

7、IwroteacheckfbrmoremoneythanIhaveinmyaccount.PmafraidTm

A^overdrawn

B、insufficientfunds

C、minimumbalance

标准答案：A

知识点解析：暂无解析

8、Themonthlystatementgivesyouarecordofalltheofyourchecking

account.

A>subtracted

B、negotiable

Cxtransactions

标准答案：C

知识点解析：暂无解析

9、Acheckthatcanbesignedovertoathirdpartyis.

A、subtracted

B、negotiable

C>overdrawn

标准答案：B

知识点解析：暂无解析

10>"Youareallowedtowriteuptotencheckswithoutaservicecharge.”"That'sall?

Youmeantenchecksisthe?”

A、balance

B、maximum

C、minimum

标准答案：B

知识点解析：暂无解析

11>IfyouneedmoneyIcanyousome.

A、payback

borrow

C^lend

标准答案：C

知识点解析：暂无解析

12、Whenmyfriendneededaloanheofferedthebankhishouseas.

A^debt

B、term

C、collateral

标准答案：C

知识点解析：哲无解析

13、Jameshasnotpaidbacktwoloans.Hemusthaveaterrible.

A^creditrating

B、chargecard

C^principal

标准答案：A

知识点解析：暂无解析

14、Ifyouyourcarloan,thebankwilltakepossessionofyourcar.

A、payoff

B>defaulton

C、compute

标准答案：B

知识点解析：暂无解析

15、InordertocalculatethemonthlypaymentsonyourIoan,thebankaddstheinterest

totheanddividesthetotalbythenumberofmonths.

A、tenure

B、principal

C、chargeaccount

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7.0分，共10分。）

Portfoliomanagementisbecomingan[21]partofthecreditprocess.Inthe

managementoftheirportfolio,commercialbanksemphasizetheimportanceofassetand

earning[22],theimmediaterecognitionaslossesofallcreditjudgedtobe[23]、and

themaintenanceofappropriatecreditloss[24].Allidentifiedlossesshouldbe

immediately[25]

16、

A、integral

B、internal

C^international

D、interesting

标准答案：A

知识点解析：暂无解析

17、

A、classification

B、diversification

C>ability

D、adequacy

标准答案：B

知识点解析：暂无解析

18、

A、overdue

collectable

C、uncollectible

D、sound

标准答案：C

知识点解析：暂无解析

19、

A、preparation

position

C、difference

D^allowance

标准答案：D

知识点解析：暂无解析

20、

A、writtenoff

B>excluded

C^included

D、paidoff

标准答案：A

知识点解析：暂无解析

Investmentinstitutions[26]thethirdmajorcategoryinourfinancialsystem.These

institutionscombinetherelativelysmallamountsofsavingsfrommanyindividualsand

investthe[27]infinancialassets.Mutualfundspurchasecorporatestocksandbondsas

wellasgovernmentsecurities.Realestateinvestmenttrustsinvestin[28]and

mortgages.Moneymarketfundsinvestinshort-termdebtsecurities.Whileindividual

investorscaninvestdirectlyinsuchsecurities,investmentinstitutions[29]small

investorsdiversificationandexperiencedmanagementoftheirfunds.Thefourthcategory

consistsoffinancialcompanies.Thesecompaniesprovideloansdirectlytoconsumers

andbusinesses.Salesandconsumerfinancecompanieslendtoindividuals.Salesfinance

companiesfinanceinstallmentloanpurchasesofautomobilesandother[30]goods.

Consumerfinancecompaniesprovidesmallloanstoindividualsandhouseholds.The

fifthcategoryconsistsofsecuritiesmarketinstitutionsthatareinvolvedinthesavings-

investmentprocessandthemarketingandtransferringofclaimstowealth.Credit-

reportingandcredit-ratingorganizationsaidlendersindecidingwhethertoextendcredit

toconsumersandbusinesses.

21、

A、found

B、setup

C、establish

D、makeup

标准答案：D

知识点解析：暂无解析

22、

A、money

B、total

C、final

D、amount

标准答案：B

知识点解析：暂无解析

23、

A、stocks

property

C、asset

D、houses

标准答案：B

知识点解析：暂无解析

24、

A、offer

B、provide

C、produce

D、deliver

标准答案：A

知识点解析：暂无解析

25、

A、tangible

B、family

C^industrial

D、durable

标准答案：D

知识点解析：暂无解析

三、阅读理解（本题共10题，每题1.0分，共10分。）

Capitalisatthetopofanybanksupervisor'slist.Themostbasicformofcapitalisequity

capital,whichistheshareholder'sfinancialinterestornetworth.Equitycapitalserves

severalpurposes:itprovidesapermanentsourceofrevenuefortheshareholdersand

fundingforthebank;itisavailabletobearriskandabsorblosses;itprovidesabasefbr

furthergrowth;anditgivestheshareholdersreasontoensurethatthebankismanagedin

asafeandsoundmanner.Minimumcapitaladequacyratiosarcnecessarytoreducethe

riskoflosstodepositors,creditorsandotherstakeholdersofthebankandtohelp

supervisorspursuetheoverallstabilityofthebankingindustry.BasleCommittee's''core

principlesforeffectivebankingsupervision"requirethatsupervisionssetprudentand

appropriateminimumcapitaladequacyrequirementsandencouragebankstooperatewith

capitalinexcessoftheminimum.Whenitappearsappropriateduetotheparticularrisk

profile,uncertaintiesregardingtheassetquality,riskconcentrationsorotheradverse

characteristicsofabank'sfinancialcondition,considerationsofrequiringhigherthan

minimumcapitalratiosareencouraged.Ifabank'sratiofallsbelowtheminimum,

bankingsupervisionswillacttoensurethatithasrealisticplanstorestoretheminimum

inatimelyfashion,ormayconsiderputtingadditionalrestrictionsonthebank's

operations.

26、What'sthesubjectofthepassage?

A、capital

B、restrictionsonbanks'operations

C、supervision

D、capitaladequacy

标准答案：D

知识点解析：暂无解析

27、Banksupervisorsthinkmostimportant.

A^capital

B、financialinterest

C、shareholders

D^capitalminimum

标准答案：A

知识点解析：暂无解析

28、Whichofthefollowingisnotthepurposeofequitycapital?

A、Providingapermanentsourceofrevenue.

B、Bearingrisksandabsorbinglosses.

C>Disclosingreserves.

D>Facilitatingfurthergrowth.

标准答案：C

知识点解析：暂无解析

29>Whatcanweinferfromthepassage?

A、TheBasleCommittee'scoreprinciplesrequiretheminimumcapitaladequacy

requirements.

B、TheBasicCommitteeencouragesbankstooperatewithcapitaloftheminimum.

C、TheBasleCommitteehelpsbanksupervisorstoreducetheriskofloss.

D^TheBasleCommitteeensuresbankstopursuethestabilityofthebankingindusWy.

标准答案：D'

知识点解析：暂无解析

30、Whichofthefollowingisimpliedinthepassage?

A、Averyimportantpurposeofbank-supervisionistoprovideadequatecapitalfor

theiroperation.

B、Averyimportantpurposeofbank-supervisionisloensurebankstooperatewith

adequatecapital.

C、Averyimportantpurposeofbank-supervisionistoputadditionalrestrictionsonthe

banks'operations.

D、Averyimportantpurposeofbank-supervisionisloconcentrateonrisks.

标准答案：B

知识点解析：暂无解析

Thereliabilityprinciplerequiresthataccountinginformationbedependable-freefrom

significanterrorandbias.Usersofaccountinginformationrelyonitstruthfulness.Tobe

reliable,informationmustbeverifiablebypeopleoutsidethebusiness;Financial

statementusersmayconsiderinformationreliableifindependentexpertswouldagree

thattheinformationisbasedonobjectiveandhonestmeasurement.Considertheerrorin

acompany'sfailuretoaccrueinterestrevenueattheendofanaccountingperiod.This

errorresultsinunderstatedinterestrevenueandunderstatednetincome.Clearly,this

company'saccountinginformationisunreliable.Biasedinformation—datapreparedfrom

aparticularviewpointandnotbasedonobjectivefacts-isalsounreliable.Supposea

companypurchasedinventoryfor$25.000.Attheendoftheaccountingperiod,the

inventoryhaddeclinedinvalueandcanbereplacedfbr$20000.Underthelowerofcost

ormarketrule,thecompanymustrecorda$5000lossforthedecreaseintheinventory's

value.Companymanagementmaybelievesthattheappropriatevaluefortheinventoryis

$22000,butthatamountisonlyanopinion.Ifmanagementreportsthe$22000figure,

totalassetsandowner'sequitywillbeoverstatedonthebalancesheet.Incomewillbe

overstatedontheincomestatement.Toestablishareliablefigurefortheinventory's

value,iiiaiiaguiiiuiilcouldgelauununlpricelistfioindieinventorysupplierorcallinan

outsideprofessionalappraisertorevaluetheinventory.Evidenceobtainedfromoutside

thecompanyleadstoreliable,verifiableinformation.Thereliabilityprincipleappliesto

allfinancialaccountinginformation-fromassetsloowner'sequityonthebalancesheet

andfromrevenuetonetincomeontheincomestatement.

31、Whatdocsthereliabilityprincipleofaccountinginformationinvolve?

A、Theaccountinginformationshoulddependontheprinciple.

B、Theaccountinginformationshouldbefreefromsignificanterrorandbias.

C^Theaccountinginformationreliesonindependentexperts.

D、Theaccountinginformationmustbeverifiablebypeopleoutside.

标准答案：D

知识点解析：暂无解析

32^Accordingtothereliabilityprinciple,whatshouldpeopledowiththeiraccounting

information?

A、Theyjusirelyonitstruthfulness.

B>Theymustverifytheinformationcarefully.

C、Theyshouldaskindependentexpertstoverifytheinformationtoseewhetheritis

basedonobjectiveandhonestmeasurement.

DNTheymayconsidertheinformationreliable.

标准答章.C

知识点露析：暂无解析

33、Whatistheresultifacompanyfailstomaketheentryofaccruedinterestrevenaeon

theaccountingstatement?

A、Theerrorwillresultinunderstatedinterestrevenueandunderstatednetincome.

B、Theaccountingstatementwillberevised.

C、Theerrorwillreducethecompany'snetincome.

D、Peoplewillnotrelyontheaccountinginformation.

标准答案：A

知识点解析：暂无解析

34、Whyisbiasedaccountinginformationunreliable?

A、Becausetheinformationisnotbasedonobjectivefacts.

B、Becausetheinformationconsistsofsomestatedata.

C、Becausetheinformationispreparedonthebasisoffacts.

D、Becausetheinformationismadeaccordingtotheinventoryvalueofthebusiness

firm.

标准答案：A

知识点解析：暂无解析

35、Whatwouldhappenifthecompanyintheexamplerecordedthelossof$5000on

theaccountingstatement?

A、Thecompany'sinventorywoulddeclineinvalue.

B、Thetotalassetswouldbereportedtwiceonthebalancesheet.

C、Theowner'sequitywillbeoverstatedontheincomestatement.

D、Theaccountinginformationisreliableandthetotalassetsand'owner'sequitywill

beslatedcorrectlyonthebalancesheet.

标准答案：D'

知识点解析：暂无解析

四、英释汉(本题共2题，每题分，共2分。)

36、Statisticsalsomeansthemethodsusedtocalculatethesummarynumbersandto

generalizefromthem.

标准答案：统计也意味着计算汇总的收据并对其归纳的方法。

知识点解析：暂无解析

37、Inflationpressurewereconcentratedinawidevarietyofmarketsforcollectibles

(includingarts,jewelryandsoon)andcontributedtointensefinancialactivityinvolving

mergersandacquisitions.

标准答案：通货膨胀的压力会影响收藏品市场(包括艺术品、珠宝等)，并导致合并

和收购等金融风潮。

知识点解析：暂无解析

五、判断正误(本题共7题，每题1.0分，共7分。)

Acreditcardisaplasticcard(oritsequivalent)tobeuseduponpresentationbythe

cardholdertoobtainmoney,goods,orservices,possiblyunderalineofcreditestablished

bythecardissuer.Thecai'dholderisbilledforanyoutstandingbalance.Creditcard

customersaregivenacreditlimitonthecreditcardaccountandcanbuygoodsand

servicesuptothisamount.Normally,bankswillsetdifferentcreditlinestothedifferent

groupsofcardholders.Everytimecardholderusesacreditcardforpurchasing,he/shc

mustsignasalesslipinthepresenceoftheseller,andthesignatureisthencomparedto

thesignatureonthecard.Copiesofthesalesslipshavethedetailsofthecardandthey

alsoshowthedetailsandamountofthesale.Eachmonththecardholderreceivesa

statementfromthebankwhichdetailsallthetrans-actionsinthemonth,togetherwith

thetotalamountoutstandingandanyminimumamountthatneedstobepaid.Whenthe

fullbalanceisnotsettledeachmonth,thecardholderischargedacompoundinterest(say

0.05%)ontheoutstandingbalance,andthisissupposedtoprovidethebankwitha

mainsourceofincome(althoughinChina,thisrevenueisstilllowbecausepeopleare

reluctanttorunintodebt).Othertwomajorsourcesofcreditcardservicesaretheannual

feefromthecardholdersandthepercentageofthesalesrevenueasthecommissionpaid

bytheseller.

38、Acreditcardisaplasticcardandtheliketobeusedtoobtainmoney,goods,or

servicesandanoverdraftisnotallowed.

A、Right

Wrong

C、Doesn'tsay

标准答案：C

知识点解析：暂无解析

39、Normally,bankswillsetdifferentcreditlimitsondifferentcustomers'creditcard

accounts.

A^Right

B、Wrong

C、Doesn'tsay

标准答案：A

知识点解析：暂无解析

40、Eachmonththecreditcardholderwillreceiveastatementfromthebankshowing

diede-tailsofthetiansactioiise