中国的金融业及答案解析.doc

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1、中国的金融业及答案解析(总分：52.00，做题时间：90 分钟)一、B/B(总题数：10，分数：20.00)1.衍生产品市场（分数：2.00）_2.国库券（分数：2.00）_3.特定风险（分数：2.00）_4.清算体系（分数：2.00）_5.资源配置（分数：2.00）_6.投机风险（分数：2.00）_7.激励机制（分数：2.00）_8.清算程序（分数：2.00）_9.贴现业务（分数：2.00）_10.不良贷款（分数：2.00）_二、B/B(总题数：5，分数：10.00)11.A comprehensive risk monitoring and warning system, which fo

2、cuses on the safety, liquidity and profitability of financial institutions has been established.（分数：2.00）_12.The first phase of restructuring aims at making them profit-driven entities with sound internal controls, internationally compatible prudential accounting rules, well-designed incentive struc

3、tures and appropriate disclosure standards.（分数：2.00）_13.To encourage competition from foreign financial institutions, China has expanded the list of areas open to foreign banking establishments to include all large cities throughout the country.（分数：2.00）_14.Banks have been called upon to strengthen

4、internal control and particularly separate loan approval from loan release.（分数：2.00）_15.Then, viable wholly state-owned commercial banks will be allowed to reorganize into share-holding banks with the state holding the controlling share and, when conditions permit, to be listed on the stock market.（

5、分数：2.00）_三、B/B(总题数：7，分数：7.00)16.Since the enactment of the Law of the Peoples Bank of China in March 1995, the PBC has no longer played the role of financing fiscal deficits in national budgetary.（分数：1.00）填空项 1:_17.The indirect policy instruments include required reserve ratio, interest rate adjustm

6、ent, and credit ceiling.（分数：1.00）填空项 1:_18.The wholly state-owned commercial banks in China today used to be known as stateowned specialized banks.（分数：1.00）填空项 1:_19.The Bank of China is considered as the sole policy bank.（分数：1.00）填空项 1:_20.Commercial banks in China today have broadened their scope

7、of business to include deposit taking, international settlement, financial consulting, and private banking.（分数：1.00）填空项 1:_21.The increase of the presence of foreign banks in China is likely to introduce new products and expertise.（分数：1.00）填空项 1:_22.The further reform of the wholly state-owned comme

8、rcial banks will aim at introducing best modern banking practice, diversified ownership structure, advanced expertise in management, and intensified state control over the governance.（分数：1.00）填空项 1:_四、B/B(总题数：1，分数：15.00)用下面的词汇填空 risks, savings, financial, funds, deposits, heart, complex, subject, ap

9、pear,repay, as, lose, reserve, returns, balanceBanks are crucial to a countrys economy; they serve as the center point of the exchange of money throughout the economy. They gatherU (1) /Ufrom small and large depositors, make loans, run the payments system, and coordinateU (2) /Utransactions. In deve

10、loping countries, they usually are the U (3) /Uof the financial market and in industrial countries withU (4) /Ufinancial markets they still have a role as primary providers of financial services.It is difficult for the layman to know if a bank is financially solid. Banks mayU (5) /Umore solid than t

11、hey really are. A bank that has loaned money to a borrower who is unable toU (6) /Umay keep the bad loan on itsU (7) /Usheet us long as possible, though the loan might never be paid back. Moreover, bankU (8) /Uare also somewhat precarious. A bank normally cannot refuse to accept deposits, but if, fo

12、r whatever reason, its depositorsU (9) /Uconfidence in the banks soundness, they may withdraw theirU (10) /Unot only from that bank but also from other perfectly sound banks.In seeking profits, banks lend on the basis of their customers deposits, but not all deposits can be lent out. A certain share

13、 must be held inU (11) /U. Competing institutions providing financial services are in a different situation since they are usually notU (12) /Uto reserve and prudential requirements. Firms selling equities do not promise fixedU (13) /Uand neither equities nor bonds are payable on demand,U (14) /Uare

14、 most bank deposits. Because of the pivotal role of banks and their vulnerability to unusualU (15) /U, there seem to be good reasons to protect deposits through an appropriate insurance scheme and, in this way, to protect both the bank and the banking system.（分数：15.00）(1).（分数：1.00）填空项 1:_填空项 1:_填空项

15、1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_中国的金融业答案解析(总分：52.00，做题时间：90 分钟)一、B/B(总题数：10，分数：20.00)1.衍生产品市场（分数：2.00）_正确答案：()解析：derivatives market2.国库券（分数：2.00）_正确答案：()解析：Treasury bonds3.特定风险（分数：2.00）_正确答案：()解析：particular risk4.清算体系（分数：2.00）_正确答案：()解析：clearing

16、 system5.资源配置（分数：2.00）_正确答案：()解析：resource allocation6.投机风险（分数：2.00）_正确答案：()解析：speculative risk7.激励机制（分数：2.00）_正确答案：()解析：incentive structures8.清算程序（分数：2.00）_正确答案：()解析：liquidation procedures9.贴现业务（分数：2.00）_正确答案：()解析：discount business10.不良贷款（分数：2.00）_正确答案：()解析：non-performing loan二、B/B(总题数：5，分数：10.00)11

17、.A comprehensive risk monitoring and warning system, which focuses on the safety, liquidity and profitability of financial institutions has been established.（分数：2.00）_正确答案：()解析：一个重点在于监测金融机构的安全性、流动性和盈利性的综合性风险监测和预警系统已经建立起来了。12.The first phase of restructuring aims at making them profit-driven entities

18、 with sound internal controls, internationally compatible prudential accounting rules, well-designed incentive structures and appropriate disclosure standards.（分数：2.00）_正确答案：()解析：第一阶段的重组旨在使它们成为营利性的实体，拥有健全的内部监控、与国际接轨的谨慎会计规则、精心设计的激励机制和适当的信息披露标准。13.To encourage competition from foreign financial instit

19、utions, China has expanded the list of areas open to foreign banking establishments to include all large cities throughout the country.（分数：2.00）_正确答案：()解析：为了鼓励来自国外银行的竞争，中国已经把允许外资开办银行的城市名单扩大到全国各个大城市。14.Banks have been called upon to strengthen internal control and particularly separate loan approval

20、from loan release.（分数：2.00）_正确答案：()解析：银行已经被要求加强内部监控，尤其是把贷款审批与贷款发放的权力分开实施。15.Then, viable wholly state-owned commercial banks will be allowed to reorganize into share-holding banks with the state holding the controlling share and, when conditions permit, to be listed on the stock market.（分数：2.00）_正确答

21、案：()解析：然后，可行的国有独资商业银行将被允许重组为国家控股的股份制银行，并在条件许可的情况下挂牌上市。三、B/B(总题数：7，分数：7.00)16.Since the enactment of the Law of the Peoples Bank of China in March 1995, the PBC has no longer played the role of financing fiscal deficits in national budgetary.（分数：1.00）填空项 1:_ （正确答案：T）解析：17.The indirect policy instrume

22、nts include required reserve ratio, interest rate adjustment, and credit ceiling.（分数：1.00）填空项 1:_ （正确答案：F）解析：18.The wholly state-owned commercial banks in China today used to be known as stateowned specialized banks.（分数：1.00）填空项 1:_ （正确答案：T）解析：19.The Bank of China is considered as the sole policy ba

23、nk.（分数：1.00）填空项 1:_ （正确答案：F）解析：20.Commercial banks in China today have broadened their scope of business to include deposit taking, international settlement, financial consulting, and private banking.（分数：1.00）填空项 1:_ （正确答案：T）解析：21.The increase of the presence of foreign banks in China is likely to i

24、ntroduce new products and expertise.（分数：1.00）填空项 1:_ （正确答案：T）解析：22.The further reform of the wholly state-owned commercial banks will aim at introducing best modern banking practice, diversified ownership structure, advanced expertise in management, and intensified state control over the governance.

25、（分数：1.00）填空项 1:_ （正确答案：F）解析：四、B/B(总题数：1，分数：15.00)用下面的词汇填空 risks, savings, financial, funds, deposits, heart, complex, subject, appear,repay, as, lose, reserve, returns, balanceBanks are crucial to a countrys economy; they serve as the center point of the exchange of money throughout the economy. The

26、y gatherU (1) /Ufrom small and large depositors, make loans, run the payments system, and coordinateU (2) /Utransactions. In developing countries, they usually are the U (3) /Uof the financial market and in industrial countries withU (4) /Ufinancial markets they still have a role as primary provider

27、s of financial services.It is difficult for the layman to know if a bank is financially solid. Banks mayU (5) /Umore solid than they really are. A bank that has loaned money to a borrower who is unable toU (6) /Umay keep the bad loan on itsU (7) /Usheet us long as possible, though the loan might nev

28、er be paid back. Moreover, bankU (8) /Uare also somewhat precarious. A bank normally cannot refuse to accept deposits, but if, for whatever reason, its depositorsU (9) /Uconfidence in the banks soundness, they may withdraw theirU (10) /Unot only from that bank but also from other perfectly sound ban

29、ks.In seeking profits, banks lend on the basis of their customers deposits, but not all deposits can be lent out. A certain share must be held inU (11) /U. Competing institutions providing financial services are in a different situation since they are usually notU (12) /Uto reserve and prudential re

30、quirements. Firms selling equities do not promise fixedU (13) /Uand neither equities nor bonds are payable on demand,U (14) /Uare most bank deposits. Because of the pivotal role of banks and their vulnerability to unusualU (15) /U, there seem to be good reasons to protect deposits through an appropr

31、iate insurance scheme and, in this way, to protect both the bank and the banking system.（分数：15.00）(1).（分数：1.00）填空项 1:_ （正确答案：savings）解析：填空项 1:_ （正确答案：financial）解析：填空项 1:_ （正确答案：heart）解析：填空项 1:_ （正确答案：complex）解析：填空项 1:_ （正确答案：appear）解析：填空项 1:_ （正确答案：repay）解析：填空项 1:_ （正确答案：balance）解析：填空项 1:_ （正确答案：deposits）解析：填空项 1:_ （正确答案：lose）解析：填空项 1:_ （正确答案：funds）解析：填空项 1:_ （正确答案：reserve）解析：填空项 1:_ （正确答案：subject）解析：填空项 1:_ （正确答案：returns）解析：填空项 1:_ （正确答案：as）解析：填空项 1:_ （正确答案：risks）解析：