1、金融英语初级-2 及答案解析(总分：100.00，做题时间：90 分钟)一、BPart One Listen(总题数：2，分数：10.00)Section 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 answers marked A,
2、 B, C and D, and decide which is the best answer. Then mark tile corresponding letter on the ANSWER SHEET with a single line through the center.（分数：5.00）A.Mortgage loans are profitable but high - risking compared to corporate lending.B.Mortgage loans are more profitable and low- risking compared to
3、corporate lending.C.Corporate lending is unprofitable but carries low risk.D.Corporate lending is less profitable but carries low risk.A.A grace period of three days is allowed.B.Three days are allowed before payment.C.Payment is allowed to last for three days.D.That will be a disgrace if payment is
4、 not made within three days.A.There is no money available in your bank account.B.There are one thousand yuan left with your bank account.C.The balance of your break account is one thousand yuan.D.You can overdraw one thousand yuan from your bank account.A.The government should confiscate property fo
5、r public use.B.The government should keep confiscated property for public use.C.The public can use property confiscated by the government.D.The public can confiscate property for government use.A.Watermark is a useful way to recognize a note.B.Recognizing watermark is a useful way to tell whether th
6、e note is a forgery.C.Distinguishing whether watermark is a forgery is very useful and helpful.D.Recognizing watermark is a useful way to prevent forgery of the note.A.If you dont negotiate your L/C in time, that will bring shame on you.B.If you dont negotiate your L/C in time, the bank will refuse
7、to pay you.C.You must negotiate with the bank in time, or you cannot get money.D.You must negotiate with the bank in time, or you cannot keep good credit.A.It is essential for the exporter to make sure that the contract conforms with the L/C.B.Some exporters will make use of the discrepancy of the L
8、/C to cheat in the transaction.C.It is essential for the buyer to be careful about the agreement of the L/C and the contract.D.There is a tendency that some exporters deliberately cheat in the transaction.A.Some enterprises are not wise enough to get loans because they are not creditworthy.B.Some en
9、terprises are not creditworthy, so they fail to get loans from banks.C.Some banks are not wise because they grant loans to some unworthy enterprises.D.Some banks should first find whether some enterprises are creditworthy before granting loans to them.二、BSection Two/B(总题数：2，分数：10.00)Directions: In t
10、his 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 must read the four choices marked A, B, C, D, and decide which is the best answer. Then mar
11、k the corresponding letter on the ANSWER SHEET With a single line through the center.（分数：5.00）A.Hes drawn a lot of money on his account.B.He has about US $ 200 in his account.C.He is US $ 600 in the rod.D.His account is overdrawn.A.Contact the woman or her bank as soon as he can.B.He will be directe
12、d to the issuing bank.C.He will get a refund.D.He will get new cheeks.A.They cant make exceptions.B.The international financial market is not stable.C.The Western economy is going down.D.The competition is very fierce.A.Our manufacturers will have to change the production schedule:B.We are not sure
13、about what the production schedule can fulfill.C.It is very probable that prompt shipment will be made.D.Our production schedule is full at the moment.A.Periods of insurance.B.Destinations and routes.C.Degree of risks.D.Kinds of goods.A.Where to buy travellers cheques.B.How much money is charged whe
14、n cashing travellers cheques.C.Whether a charge is required when cashing travellers cheques.D.Where to cash travellers cheques.A.Interest rate of a foreign currency is much higher.B.There are risks of losing money sometimes to open a foreign currency account.C.Foreign currencies exchange rates are r
15、elatively stable.D.It is advisable to open a foreign currency account.A.During summer holidays.B.Between January and February.C.At Christmas time.D.In the last two months of the year.A.The first woman has applied for a capital loan.B.The first woman is an old customer of the second woman.C.The secon
16、d woman is from a bank.D.The second woman is going to assess the first womans loan application.A.The woman got the remittance of US $ 1000.B.The woman would like $ 300 in Renmiubi.C.The woman would like $ 200 in Benminbi.D.The woman would like $ 500 in travellers cheques.三、BSection Three(总题数：1，分数：3.
17、00)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 choices marked A, B, C and D. Then mark the c
18、orresponding letter on the ANSWER SHEET with a single line through the center. BPassage One/B（分数：3.00）A.Problem Bank Situations.B.Inadequate Supervision of The Bank.C.Serious Deterioration in A Banks Financial Condition.D.Weak Bank Management.A.Failed banks lack comprehensive policies.B.Failed banks
19、 lack procedures limiting risk taking.C.Bank loan officers are not well guided in developing a sound loan portfolio.D.Loan policies are poorly defined.A.Its the boards responsibility to ensure the capability of the banks management.B.The board must work with management in developing a strategic plan
20、.C.A strategic plan includes the banks business goals and its programs for achieving these goals.D.The good intentions of bank management and the efforts of bank supervisors can prevent banks from getting into trouble.四、BPassage Two/B(总题数：1，分数：4.00)A.The cardholders can buy goods beyond a credit lim
21、it given on tire credit card account.B.The cardholder is billet for any outstanding balance.C.Banks will set different credit lines to different groups of cardholders.D.The cardholder must sign a sales slip in the presence of tile seller when he/she uses a credit card for purchasing.A.The details of
22、 the card.B.The details of the sale.C.The amount of the sale.D.The amount unpaid.A.The details of all the transactions.B.The total amount unpaid.C.Any minimum amount unpaid.D.The amount of a compound interest.A.Annual fee from the cardholder.B.The percentage of the sales revenue paid by the seller.C
23、.A compound interest charged oil the outstanding balance.D.The fee charged on the purchase of a credit card.五、BPassage Three(总题数：1，分数：3.00)A.70%B.75%C.80%D.85%A.30 years.B.More than 30 years.C.3 years.D.More than 3 years.A.2B.3C.4D.5六、BPart Two Readin(总题数：10，分数：10.00)1.In a barter economy, transacti
24、ons costs am high because people have to satisfy a “double _ of wants“.（分数：1.00）A.encounterB.concordC.coincidenceD.incidence2.The need for financial provision _ not only to producers but also to consumers.（分数：1.00）A.is connectedB.is linkedC.links upD.relates3.Bemuse checks are also accepted as payme
25、nt for purchases, _ account deposits are considered money as well.（分数：1.00）A.changeB.checkC.checkersD.checking4.Money is file most liquid asset of all because it is the medium of exchange; it does not have to be _ into anything else in order to make purchases.（分数：1.00）A.transmittedB.conversedC.conve
26、rtedD.converge5.A financial system must therefore meet the needs of such enterprises by locating, securing, and _ funds for firms which wish to invest.（分数：1.00）A.shippingB.transportingC.channelingD.funneling6.Money also functions as a store of value; it is a _ of purchasing power over time.（分数：1.00）
27、A.repositoryB.depositorC.repertoryD.repercussion7.Economists define money (or, equivalently, the money supply) as anything that is generally accepted iu payment for goods or services or in the _ of debts.（分数：1.00）A.paymentB.payingC.repaymentD.return8.Many people are only able to purchase by borrowin
28、g either from a commercial bank or from a finance company by means of purchase.（分数：1.00）A.wholesaleB.retailC.hireD.order9.Money is a _ that allows the economy to run more smoothly by lowering transactions costs, thereby encouraging specialization and file division of labor.（分数：1.00）A.lucrativeB.lubr
29、icateC.lubricantD.lucid10.The solution to the problem is to introduce money into the economy and have all prices quoted _ units of that money.（分数：1.00）A.in the light ofB.in accordance withC.in terms ofD.in七、BSection Two/B(总题数：5，分数：5.00)A.moneyB.capitalC.cashD.equityA.disastrousB.terribleC.horribleD.
30、enormousA.created upB.formedC.establishedD.foundedA.ownersB.countriesC.contributorsD.membersA.positionedB.centeredC.surroundedD.headquartered八、BPassage Two/B(总题数：5，分数：5.00)A.loansB.assetC.budgetD.draftA.plentifulB.more thanC.sufficientD.adequateA.givenB.extendedC.honoredD.madeA.thatB.asC.toD.inA.iss
31、uedB.developedC.deliveredD.created九、BSection Three(总题数：3，分数：3.00)21.Commercial banks in China are now transferring from time traditional deposit taking and lending business to a broad range of intermediary services such as international settlement, bankcards, private banking, and financial consultin
32、g.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say22.The wholly state - owned commercial banks will be reformed on a step - by - step basis.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say23.The joint- equity banks are not new among the commercial banks and operate on an entirely commercial basis.（分数：1.
33、00）A.A. Right B.B. Wrong C.C. Doesnt say十、BPassage Two/B(总题数：3，分数：3.00)24.The actual chartering processes and scrutinizing factors considered by different chartering authorities may he. different.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say25.The licensing process can guarantee flint a bank will b
34、e well run after it opens.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say26.In most countries banks must acquire a license in order to undertake banking business.（分数：1.00）A.A. Right B.B. Wrung C.C. Doesnt say十一、BPassage Three(总题数：4，分数：4.00)27.Banks with serious problems will have to launch a remedial
35、 action program based on the natures of the problems.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say28.Non - performing assets and loan charge - offs refer to the assets that can be recovered and the loans that are cancelled.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say29.When a banks problems have
36、affected its capital base, in order to restore its capital position, the bank might raise new equity capital, sell unprofitable assets or business and accelerate the pace of expansion.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say30.In a detailed capital and operating plan, the bank needs to show wh
37、at are tire expected incomes, dividends, assets, liabilities and capital over the next year or two.（分数：1.00）A.A. Right B.B. Wrong C.C. Doesnt say十二、BSection Four/(总题数：5，分数：5.00)31.Which of the following is correct? A bill of exchange can be i) a sight bill, ii) a term bill, iii) a bill of lading, _.
38、（分数：1.00）A.either i) or ii)B.either i) or iii)C.either ii) or iii)D.both i) and iii)32.A usance bill is a bill _.（分数：1.00）A.which is payable on presentation to the draweeB.which has no documents attached to itC.which is payable either at some fixed future date or a number of months or days after the
39、 bill has been sightedD.which is payable when it is sighted by the payer33.A bill of exchange is an (a) _.（分数：1.00）A.unconditional promise in writingB.unconditional order in writing, payable only on demandC.conditional order in writing, addressed by one person to anotherD.unconditional order in writ
40、ing, payable on demand or at a fixed or determinable future time34.A bill is payable _.（分数：1.00）A.only within a fixed period after the date of the billB.on demand or within a fixed period after the date of the billC.only at a specified time after acceptance by the draweeD.immediate after the drawer
41、signs it35.When a bill is payable on demand or at sight, the drawee is required to _.（分数：1.00）A.pay immediately when the bilk is presented to himB.pay within a fixed period after the date of the billC.accept the bill immediately when it is presented to himD.receive immediate payment on presentation
42、of the documents十三、BPassage Two/B(总题数：5，分数：5.00)36.Any transferee for value who takes possession of an endorsed bill of lading obtains a good title to it, provided the transferor had a good title in the first place. Hem “any transferee for value“ and “good title“ means _.（分数：1.00）A.“any valuable tra
43、nsferee“ and“ good name“ respectivelyB.“any transferee who has paid the price“ and“ effective ownership“ respectivelyC.“any valuable transferee“ and“ effective ownership“ respectivelyD.“any transferee who has paid the price“ and“ good name“ respectively37.The goods will be released from the port onl
44、y against production of one of the original bills of lading. Here“ production“ means _.（分数：1.00）A.preparationB.creationC.presentmentD.manufacturing38.The bill of lading is _.（分数：1.00）A.a contractB.is not a contractC.is a contract between the shipping company and the carrierD.is a receipt issued by t
45、he shipper39.All of the following are the functions of bill of lading except _.（分数：1.00）A.the bill of lading is proof of the contract for carriageB.a bill of lading acts as a receipt of the goods from the shipping company to the shipperC.a bill of lading is a completely negotiable documentD.a bill o
46、f lading acts as a document of ownership to goods being, shipped40.A clean bill of lading could indicate that _.（分数：1.00）A.the goods carried are cleanB.the goods are not damaged when received for shipment by the shipping companyC.the bill of lading has no soiled spot on its theD.the bill of lading i
47、s not accompanied by other documents十四、BPassage Three(总题数：5，分数：5.00)41.Which of tile following statements is the mast accurate?（分数：1.00）A.Accounting records and statements are based on the data available.B.Accounting records and statements are based on the some of the reliable data.C.Accounting reco
48、rds and statements are, based on the most reliable data available.D.Accounting records and statements are based on the recorded data.42.Still in the above case, three months after the transaction, the market price of the same computer rose by US $ 150. So the price of the computer shall bc booked at
49、 the price _.（分数：1.00）A.US $ 300B.US $ 100C.US $ 90D.US $ 25043.Tico Co. Ltd. bought a computer at the price of US $ 300, though the real price on the market was US $ 100. And the general manager thought it was worth of only US $ 90. So the price of the computer shall be booked at the price of _.（分数：1.00）A.US $ 300B.US $ 100C.US $ 90D.US $ 20044.Which of the following stateme
