初级银行综合类-1(听力部分暂无答案)及答案解析.doc

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1、初级银行综合类-1(听力部分暂无答案)及答案解析(总分：97.00，做题时间：90 分钟)一、B听力题/B(总题数：2，分数：10.00)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, B, C and D,

2、and decide which is the best answer. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center.（分数：5.00）A.They will write to their home.B.They will write to their head quarter.C.They will ask for their rights.D.They will wait for an officer.A.We thank you for your

3、doing kindness to us.B.We hope you will send us your check as soon as possible.C.We thank you because you provide us convenience in checking.D.You will have to pay us 50 000.A.You need to obtain a signature of Bank of China on the draft.B.The account book is to be countersigned by Bank of China.C.Th

4、e draft should be countersigned by a bank of China.D.The time draft neednt any other signature because your signature is true.A.How do credit card companies provide money?B.How are credit cards important to companies?C.How do the companies exchange credit cards for money?D.How do the companies make

5、profits?A.They planned a total buying.B.They went on higher stage in business.C.They managed to accept a buying bid.D.They wanted to overtake other companies.（分数：5.00）A.Retail business needs a lot of cash.B.Whole sale business needs only credit cards.C.Retail and wholesale businesses are quite the s

6、ame.D.Retail and wholesale businesses are done in different ways.A.The difference of our prices is big.B.You offered me a price on the counter.C.My price and your offer are not the same.D.My price and your offer are not different.A.I need some cash.B.I want some money to send a telegraph.C.I am orde

7、red to mail some money.D.I want to exchange the order for money.A.Many banks in America accept accounts with the Bank of China, Shanghai.B.Many banks in America start business with the Bank of China, Shanghai.C.Many banks in America have accounts with the Bank of China, Shanghai.D.Many banks in Amer

8、ica owe money to the Bank of China, Shanghai.A.Ive come to ask you to do something.B.I dont think your insurance is good.C.I need your insurance service.D.I want to ask some questions about the insurance service provided by you.二、B单项选择/B(总题数：15，分数：15.00)1.“You are allowed to write up to ten checks w

9、ithout a service charge.“Thats all? You mean ten checks is the _?“（分数：1.00）A.A. balance B.B. maximum C.C. minimum2.If you need money I can _ you some.（分数：1.00）A.A. pay back B.B. borrow C.C. lend3.The bank charges a _ to cover the cost of bookkeeping.（分数：1.00）A.A. payee B.B. transaction C.C. fee4.Man

10、y banks work with so many different customers and accounts that they need _ to record all transactions.（分数：1.00）A.A. deposit slips B.B. computers C.C. parties5.If you _ your car loan, the bank will take possession of your car.（分数：1.00）A.A. pay off B.B. default on C.C. compute6.In order to calculate

11、the monthly payments on your loan, the bank adds the interest to the _ and divides the total by the number of months.（分数：1.00）A.A. tenure B.B. principal C.C. charge account7.James has not paid back two loans. He must have a terrible _.（分数：1.00）A.A. credit rating B.B. charge card C.C. principal8.An a

12、ccount that two or more people hold is a _.（分数：1.00）A.A. joint account B.B. term -deposit account C.C. savings account9.When my friend needed a loan he offered the bank his house as _.（分数：1.00）A.A. debt B.B. term C.C. collateral10.You have to _ your check in order to cash it.（分数：1.00）A.A. withdraw B

13、.B. endorse C.C. accommodate11.A check that can be signed over to a third party is _.（分数：1.00）A.A. subtracted B.B. negotiable C.C. overdrawn12.I wrote a check for more money than I have in my account. Im afraid Im _.（分数：1.00）A.A. overdrawn B.B. insufficient funds C.C. minimum balance13.In order to w

14、ithdraw money the bank requires your _.（分数：1.00）A.A. depositor B.B. interest C.C. signature14.The bank records all transactions of an account in the customers _.（分数：1.00）A.A. withdrawal slip B.B. assets C.C. passbook15.The monthly statement gives you a record of all the _ of your checking account.（分

15、数：1.00）A.A. subtracted B.B. negotiable C.C. transactions三、B完型填空/B(总题数：1，分数：20.00)Directions: Insert the correct words or phrases in the appropriate spaces in the passage below.investigate, quantity, discount, negligence, replements, discrepancy, packing list, unsaleable, inferior, penalty clause, up

16、 to standardComplaints are often received by companies who ship consignments overseas. These complaints are sometimes about the U(26) /U of goods received. Perhaps not enough goods were sent, perhaps too many. And sometimes it is a complaint that the wrong goods were sent.Often there are complaints

17、about U(27) /U packing, which can cause damage to the goods. Sometimes the complaint is about inferior quality. Buyers in this case often complain that the goods are not U(28) /U There may be a U(29) /U between the description of the goods in the brochure and the goods which actually arrived.A compl

18、aint may be about a delay in shipment, although companies often have a U(30) /U in their contract to protect them against loss from delay.Complaints about damage are usually the business of insurance companies, but if the damage is caused by the U(31) /U of the packers, then the insurance companies

19、will not accept responsibility.When there is a complaint that the wrong goods were sent, or too many, or too few, then it is always necessary to check the U(32) /U for the cases, as well as the invoice. Then the agent must U(33) /U what happened. The goods may still be in the port of unloading.Bad,

20、inferior or inadequate packing may cause damage to goods in transit. The buyers may accept damaged goods if the supplier offers a U(34) /U, but if the goods arc badly damaged they may be U(35) /U, and in this case the buyer will demand replacements.（分数：20.00）(1).（分数：2.00）填空项 1:_填空项 1:_填空项 1:_填空项 1:_

21、填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_四、B阅读理解/B(总题数：2，分数：12.00)B We meets the challenge of globalization/BTen years ago, US bankers and brokers talked about globalization. Capital barriers would fall, there would be seamless 24 - hour trading across time zones and full - service institutions wou

22、ld serve farmers in Iowa to car workers in Osaka.As the US capital markets enter the 1990s, the reality is that globalization is still in its early stages and next decade as it was in the last. There has, however, been a qualitative change in the rhetoric.Then, globalization was seen in the US as an

23、 opportunity. Now the US is far less confident of its ability to dominate the global market and is showing signs of falling behind its competitors. Globalization is now an urgent challenge.Mr. Curtis Welling, managing director in charge of equities at First Boston, says, “The US has had a very geoce

24、ntric view. Our hegemony over world capital flows was almost regarded as a birthright. As far as important capital flows are concerned, there was a real danger of the world passing us by. The US was in danger of becoming irrelevant.“While the US was once slow to realise its competitive position in w

25、orld financial markets could be eroded. Mr. Welling believes that there is a growing awareness of the need to act quickly to position the nations markets and financial institutions for the future.This concern has been crystallised in regulatory initiatives, legislative proposals and product innovati

26、ons. Progressive attitudes at both the US Federal Reserve and the Securities and Ex- change Commission (SEC) are central to these efforts.The SEC, which has just formed an Office of International Affairs, has shifted into top gear to harmonise regulations with overseas counterparts to promote the fr

27、ee and efficient flow of capital. The nuts and bolts of clearance and settlement, for example, are a priorty.Mr. Welling of First Boston, puts the challenge in graphic terms: We have gone about as far as we can go with broadbrush conceptual descriptions of the global market. We can see the house, it

28、 looks great but nobody can live in it until the plumbing and electricity is in place.In spite of all the talk of the global markets, it is startling that US pension funds have committed less than 3% of their 2 600 billion in assets to non - US securities. One key reason for this is that investors a

29、nd traders have to negotiate a minefield of different regulations when operating in overseas markets.（分数：6.00）(1).What was the American view of globalization ten years ago?（分数：2.00）A.That it was a utopian idea, impossible to achieve.B.They thought it would soon create a single world banking system.C

30、.Different areas of the world would still require different banks.D.Difference in time around the world would still cause problems.(2).In what ways were the American attitudes to globalization mistaken?（分数：2.00）A.The US believed it had an automatic right to lead the world banking system.B.The US did

31、 not act competitively enough.C.The US thought the rest of the world was irrelevant.D.America looked at globalization from its own viewpoint.E.All of the above.(3).Which of the following statements is true?（分数：2.00）A.The SEC has set up a special body to work on institutional matters.B.Details on how

32、 to move capital between countries are finalised.C.Mr. Welling feels more work is needed on the global market concept.D.“nuts and bolts“ (line 53) and “plumbing and electricity“ (line 62 - 3) have similar meanings.Correspondent banking faces a problem of definition. Five years ago the business was p

33、reoccupied with electronic funds transfer. The spread of Swifts messaging network and the developing of the equally efficient clearing systems promised to elevate the medium through which banks communicate and fitted the traditional concept of correspondent banks talking to each other.By streamlinin

34、g this function, however, the nature of the business changed and the importance of nurturing interbank relationships dwindled in the eyes of some correspondent bankers. Technology tends to lead to concentration, because the customer has gone to the bank that is bigger and faster, and can handle more

35、 volume, explains Ian Cormack, who heads Citicorps financial institutions group in London and sits on the council of the clearing system in the UK.Moving or receiving money has always been at the heart of interbank activity. Lawrence Grand, international banking director at Barclays, makes the funda

36、mental point that correspondent banking will always exist in a world where banks have to talk to other banks to conduct money transmissions. This view is shared at Manufacturers Hanover, where Joseph Long-aberdi, a banking vice president and senior representative, believes funds transfer business is

37、 still the major product over which correspondent banks wage battle.But while the need to balance interbank accounts remains a core function of the business, the complexion of the funds passing through the payments system has altered dramatically. The rise and rise of financial activity has displace

38、d trade - related flows, particularly in the period after Big Bang, until today around 90 per cent of the business consists of financial transactions, estimates Mr. Cormack.Volumes continue to rise significantly in the major clearing centres, largely feeding off growth in securities processing and f

39、oreign exchange. The value of dollar - dominated transactions passing through New Yorks clearing house inter - bank payments system (Chips) increased by 23.7 percent last year to a daily average of $ 526 billion, equivalent to 126 840 transactions a day, and compared with $ 425 billion and 113 758 t

40、ransactions in 1986.In Londons sterling market the value of daily transactions passing through the clearing house automated payments system (Chaps) climbed by 28.5 percent in the year ending March 1988 to 45 billion, or 23 441 transactions a day, compared with 3 billion and 20 958 in the previous mo

41、nths.Keeping pace with growth has not been easy, particularly for the banks which for reasons of size, cost and strategy have been confined to a marginal role in the business. Commitment to the technological infrastructure is vital. Five years ago Manufacturers Hanover had 75 million invested in a w

42、orldwide telecommunications network. Anyone who baulked at such an investment five years ago would find it difficult to enter the market today.（分数：6.00）(1).Read this article and decide which of the following headlines it originally had.A. Technology threatens correspondent banking.B. Correspondent b

43、anking remains traditional.C. Correspondent banking- technology demonstrates its worth.（分数：2.00）A.B.C.(2).Finish the statement below with the ending that is best according to the text.Five years ago（分数：2.00）A.it looked as if technology would fundamentally change correspondent banking.B.it seemed as

44、if technology would reinforce correspondent bankings previous role.C.correspondent banking was totally dependent on technology.D.technology was only just being introduced to correspondent banking.(3).Finish the statement below with the ending that is best according to the text.Contrary to expectatio

45、ns, improved communications _.（分数：2.00）A.increased the need for correspondent banks to work closely together.B.had little effect on correspondent banking.C.reduced the importance of correspondent banking interrelationships.D.led to a decrease in correspondent banking business.五、B英释汉/B(总题数：2，分数：10.00

46、)16.Money guarantees that there is always a double coincidence of wants .（分数：5.00）_17.The participants in the financial system can be classified into five broad groups: savers; investors and other borrowers; financial intermediaries; brokers and advisers; and regulators.（分数：5.00）_六、B判断正误/B(总题数：2，分数：

47、10.00)B A bank manager speaks/BMy name is Jane Carson and Im the manager of a savings bank in Portland, Oregon. My bank is open every day from 8: 30 in the morning until 4: O0 in the afternoon. On Fridays the bank remains open until 6:30 in the evening.Friday is our busiest day. Many people get thei

48、r paychecks on Fridays and they come into deposit them. I find that on Fridays I have to keep six windows open all day long. My bank tries very hard to reduce the amount of time that customers have to waif for service. We have many signs to remind people that they need their passbooks for all transactions and