金融英语中级银行业务汇总真题二(暂缺听力音频)

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金融英语中级银行业务汇总真题二(暂缺听力音频)
[单项选择]The ratio of liquid assets to liquid liabilities of a commercial bank shall not fall short of _______ per cent .
A. 25
B. 8
C. 75
D. 10
[单项选择]_____ may make wage demands based on the accounting information that shows their employer' s reported income.
A. Creditors
B. Employees
C. Labor union
D. B & C Above
[单项选择]When the collecting bank receives from the presenting bank the documents for collection,it_______________.
A. should examine all documents to ascertain whether or not they appear,or on their face, to be in compliance with them.
B. may examine either the documents or the instructions to collect the proceeds.
C. will examine documents in order to obtain instructions.
D. will not examine documents in order to obtain instructions .
[单项选择]Before making a loan, potential lenders determine the borrower's ability to meet ______
[单项选择]Not all of those _____ takeovers continue to run the business they have bought.
A. to be carried out
B. carrying out
C. being carried out
D. carried out
[填空题]Section3(5%)
[单项选择]State interference carried with it an implied guarantee, so bankers paid no heed _____ the financial risks they were undertaking.
A. to
B. at
C. towards
D. against
[单项选择]In February 2001, when the currency union fell ________, the official reserves had fallen to less than $2400 million.
A. apart
B. To
C. across
D. under
[单项选择]The minimum registered capital for the establishment of a commercial bank shall be RMB _______ yuan.
A. 10 million
B. 100 million
C. 1 billion
D. 10 billion
[填空题]Section TWO(5%) Directions Translate the following sentences into Chinese. Write your translation on the ANSWER SHEET.Investment banking are banking activities associated with securities underwriting ,making a market in securities ,and arranging mergers, acquisitions and restructing .
[单项选择]Passage three Accounting provides the techniques for gathering economic data and the language for com-municating such data to different individuals and institutions. Investors in a business enterprise need information about its financial status and its future prospects. Bankers and suppliers appraise the financial soundness of a business organization and assess the risks involved before making loans or granting credit. Government agencies are concerned with the financial activities of business organizations for purposes of taxation and reg-ulation. Employees and their union representatives are also vitally interested in the stability and profitability of the organization that hires them. All of them, individuals or institutions, can obtain necessary information and make their appropriate decisions with the help of account-ing techniques. For example, comparison of past performance with planned objectives may re-veal the means of acceleration, favorable trends and reducing those that
A. Right
B. Wrong
C. Doesn’t say
[单项选择]Passage 1 When a savings account is opened in a bank, The depositor must sign a deposit agree-ment . By signing agreement , the depositor agrees to abide by the rules and regulations of the bank. These rules and regulations vary with different banks and may be altered and amended from time to time. At this time, a passbook may be given to the depositor. This is a small book in which the bank teller enters the date and amount of each deposit or withdrawal and initials the entry . The passbook is to be presented at the bank or mailed to the bank along with a de-posit or withdrawal slip each time money is deposited or withdrawn from the account . An alter-native practice for depositing or withdrawing money from a savings account is to give the deposi-tor a small register for recording deposits and withdrawals and a pad of deposit - withdrawal forms. This procedure eliminates the use of the passbook. Each time a deposit or withdrawal from savings is made, the appropriate part of one of th
A. For interest
B. For transfer of funds
C. For accumulating funds with interest
D. For making profits
[单项选择]Passage Two
A. hotel expenses
B. stock exchange
C. plane expenses
D. restaurant expenses
[单项选择]Passage One
A. 1994
B. 1996
C. 1998
D. 1995
[单项选择]Passage Three Banking organizations are highly geared, much more than commercial or industrial compa-nies. They have custody of large volume of monetary items, which makes them vulnerable to misappropriation and fraud. They therefore need to establish formal operating procedures, well defined limits for individual discretion rigorous system of internal control. Banking organiza-tions engage in a large volume and variety of transactions. This necessarily requires complex accounting and internal control system and widespread use of electronic data processing. Bank-ing organizations often assume significant commitments without any transfer of funds. These items may not involve accounting entries and consequently the failure to record such items may be difficult to detect. And most importantly, the failure of a bank, unlike most commercial firms, affect more than the fortunes of its shareholders and creditors, and may destabilized the whole economy. Effective supervision of banking organ
A. The supervisory authorities require them to do so.
B. The shareholders expect a reasonable return on their investment.
C. The banks have to keep safe large volume of monetary items raised from all sources .
D. The banks engage in a large volume and variety of transactions .
[单项选择]Passage Three
A. The Asian markets are in recession.
B. No investment is worth keeping if it robs of your sleep.
C. If you need the money today, you should have sold the stocks now.
D. It is easy to be brave and keep buying during a bull market.
[单项选择]Passage 1 One of the most important functions of the accounting process is to accumulate and report ac-counting information that shows an organization’s financial position and the results of its opera-tions . Many businesses publish such financial statements at least annually. The subdivision of the accounting, process that produces these general - purpose reports is referred to as financial accounting. Another major function of accounting is to provide management with the data needed for decision making and for efficient operation of the firm. Although management people routinely receive the financial reports , they also require var-ious other information, such as the unit cost of a product, estimates of the profit earned from a specific sales activity, cost comparisons of alternative courses of action and long- range bud-gets . The process of generating and analyzing such data is often referred to as managerial ac-counting .The purpose of managerial accounting is to prepare financi
A. Right
B. Wrong
C. Doesn’t say
[单项选择]Recovery from the turmoil in Asian financial markets has been remarkably rapid but the problems have left _____ scars on the local banking system.
A. last
B. lasting
C. to last
D. lasted
[单项选择]If we have a quote of 1 . 4950/1 . 4960 for $ /DM , __________ .
A. the first rate is the buying rate for the dollar
B. the first rate is the buying rate for the DM
C. the second rate is the buying rate for the dollar
D. the second rate is the selling rate for the DM
[单项选择]Passage Two During this period a number of important structural measures have been taken with partic-ular significance for the banking sector. The first was the unification of the Renminbi (RMB) exchange rates and foreign exchange markets in January 1994. Second, the passage of central banking and commercial banking laws in 1995 has provided legal basis for the banking system in China. Third, the acceptance of the obligations of Article VIII of the Articles of Agreement of the International Monetary Fund in December 1996, namely commitment to RMB current-ac-count convertibility, has officially removed the remaining restrictions on international payments for trade and service transactions.foreign exchange can be bought or sold without any restrictions in foreign exchange markets.
A. Right
B. Wrong
C. Doesn’t say
[单项选择]Passage Two In the foreign exchange market, which is made up of banks’ traders and brokers, prices _ 46 _ every minute _ 47 _ to supply and demand. For safety’s sake, a branch will get a rate from their traders for a big transaction. This process would be too cumbersome, however, for every small transaction. Therefore the traders give their branches lists of exchange rates _ 48 _ they may buy and sell notes and payments in the main currencies.Whenever a bank in Britain makes a payment in foreign currency, or makes a payment in sterling to a non - resident, the payment has first to _ 49 _ under British exchange control regulations. The bank itself can usually authorize the payment after seeing a document such as an invoice to show that the payment is due; but cases _ 50_ borrowing and lending have to be referred to the Bank of England.
A. alter
B. vary
C. turn
D. convert
[单项选择]Passage One All foreign exchange _ 41 _ 42 _account transactions shall be repatriated, unless otherwise by domestic establishments from_43_ by the State Council. All foreign exchange receipts from capital transactions ___44 __ in foreign exchange account 45 _ at designated foreign exchange banks in accordance with the relevant state regulation, such revenues can also be sold to a designated foreign exchange bank upon the approval by the SAFE.
A. expenditure
B. receipts
C. surplus
D. yields
[单项选择]Passage Two Document against acceptance ( D/A) is exactly like document against payment ( D/P) except that, instead of signing the sight draft and paying on presentation of documents to re-ceive the bill (s) of lading, the importer accepts the usance (time) draft that creates an obli-gation similar to a promissory note called a trade acceptance. This can be used for finance pur-poses under some conditions. This is a promise to pay in a certain number of days, after ac-cepting the documents, usually for a term of between 30 and 180 days. D/A terms are more secure than open account because the transaction and receipt of goods are evidenced by a nego-tiable instrument. It is much easier to enforce a financial instrument than an account receiv-able, which must be proven to the courts. However, a sharp increase in risk over D/A oc-curs because the importer now has the goods, and the exporter only has a promise to pay. The bank has no responsibility to collect the funds on or after the due
A. the seller must pay on presentation of documents.
B. A sight draft is usually used
C. The importer can get the bill (s) of lading only after he accepts the time draft
D. A promissory note is created