[語言類考試復(fù)習(xí)資料大全]現(xiàn)代金融業(yè)務(wù)(綜合)模擬6

1、書山有路勤為徑，學(xué)海無涯苦作舟。祝愿天下莘莘學(xué)子：學(xué)業(yè)有成，金榜題名！語言類考試復(fù)習(xí)資料大全現(xiàn)代金融業(yè)務(wù)(綜合)模擬6現(xiàn)代金融業(yè)務(wù)(綜合)模擬6Part One ListeningSection 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 sugges

2、ted answers marked A, B, C and D, and decide which is the best answer. (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 1.A.Banks current base rates are higher than those on small deposits.B.Banks current base rates are lower than those on small deposits.C.Banks current base rates are not floating rates.D.Banks current base ra

3、tes are usually floating rates.答案:A解析The interest rates on these small deposits are usually floating rates, and they are usually 2%- 5% below the banks current base rates. 根據(jù)錄音原文可知，The interest rates on these small deposits為浮動匯率，而不是the banks current base rates，而且要比銀行當(dāng)前的基準(zhǔn)匯率低。 2.A.Investors can cope

4、with any problems they may meet.B.Investors cant cope with problems when they meet with difficulty.C.Investors can cope with some investment problems by confining their investments to those that involve only modest risk.D.Investors can cope with easy problems.答案:C解析Investors can cope with some inves

5、tment problems by confining their investments to those that involve only modest risk. 單句意思為“投資者從事風(fēng)險小的投資活動可以避免一些投資問題?！?3.A.the income statementB.the balance sheetC.the financial statementD.the statement of cash flow答案:A解析If a statement that presents a summary of the revenues and expenses of a busines

6、s unit for a specific period, what is it called? 單句問的是“在一特定日期總結(jié)一家事業(yè)單位收益和虧損的報表是什么報表”，根據(jù)所學(xué)知識，這應(yīng)是指損益表。 4.A.Each month the cardholder receives a statement and the amount of all the transactions.B.Each month the bank gives the cardholder a statement showing the total amount outstanding.C.Each month the b

7、ank gives the cardholder a statement showing the compound interest.D.Each month the bank gives the cardholder a statement showing any minimum amount that needs to be paid.答案:B解析Each month the cardholder receives a statement from the bank, which lists the details of all the transactions in the month,

8、 together with the total amount outstanding. statement與the amount of all the transactions不是并列關(guān)系，而是包含關(guān)系，A項錯誤；C、D項未提及。 5.A.People are discouraged to do business with a lower discount rate.B.People are encouraged to borrow more money if the discount rate is lowered.C.People are encouraged to borrow mor

9、e money if the discount rate is raised.D.People are discouraged to borrow less money with a lower discount rate.答案:B解析When the Fed wishes to encourage business activity, it may lower the discount rate to boost borrowing. 單句意為“當(dāng)聯(lián)邦想增加商業(yè)活動時，它可能降低貼現(xiàn)率來刺激借款”，也就是通過降低貼現(xiàn)率來鼓勵人們borrowing，B項意思正確。 (如需獲取本MP3聽力錄音請

10、搜索標(biāo)題名) 6.A.Smart card is light but can resist shock.B.Smart card is convenient, safe and durable.C.Smart card is the exact size of a credit card.D.Smart card contains a computer with as much power as the original minicomputer.答案:B解析A smart card is a secure, portable, tamper-resistant data-storage de

11、vice. 單句意思為“智能卡是一種安全、便攜且防損的數(shù)據(jù)存儲工具”。A、C、D三項內(nèi)容在錄音單句中并未提及。 7.A.If a drawee is bankrupt, presentment may be made to his trustee.B.If a drawee is bankrupt, presentment can not be made to him.C.If a drawee is bankrupt, presentment can not be made to his assignee.D.If a drawee is bankrupt, presentment must

12、 be made to his trustee.答案:A解析When the drawee is bankrupt, presentment may be made to him or to his trustee. 單句意思為“如付款人破產(chǎn)，可向該付款人或其受托人作承兌提示”。 8.A.A bill can not be accepted after it has been dishonored by a previous refusal to accept.B.If a bill has been dishonored by non-payment, it may not be accep

13、ted by another person.C.If a bill has been dishonored by a previous refusal to accept, it may be accepted by another person.D.A bill can not be accepted after it has been dishonored by non-payment.答案:C解析A bill may be accepted after it has been dishonored by a previous refusal to accept, or by nonpay

14、ment. 單句意思為“一張以前拒付的匯票可能之后會被接受。” 9.A.A cheque can be accepted by the bank on which it is drawn.B.A bill can not be accepted by the bank on which it is drawn.C.The rules relating to acceptance of bills are not applicable to cheques.D.The rules relating to acceptance of bills are applicable to cheques.

15、答案:C解析A cheque is never accepted by the bank on which it is drawn. Hence, the rules relating to acceptance of bills do not apply to cheques. 單句意思為“支票絕不會由作為受票人的銀行來承兌，因此，有關(guān)匯票承兌的原則不適用于支票”。 10.A.Once the title documents are entrusted, the goods are at the disposal of the collecting bank.B.The title docu

16、ments enable the remitting bank to dispose the goods according to the instruction given in the collection order.C.The title documents are usually issued by the drawee.D.In spite of the possession of the title documents, the bank can not deal with the goods without the allowance of the drawer.答案:B解析

17、Under the general rules, once the documents are passed to the remitting bank by the drawer, the bank has an absolute right over the goods through the title documents. 單句意思為“按通常規(guī)定，一旦出票人將單據(jù)移交給托收行，托收行因有物權(quán)憑證而擁有處置貨物的絕對權(quán)利?！?Section Two Directions: In this section, you will hear ten short conversations. At

18、 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. (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 1.A.The minimum deposit reserve.B.Adjusting

19、 the base interest rate.C.Regulating rediscounting.D.Open market operations.答案:A解析W: What kind of monetary policy instruments may your bank use?M: They include adjusting the base interest rate, regulating rediscounting and open market operations.Q: Which of the following wasnt mentioned by the man a

20、s a monetary policy? 對話談?wù)摰氖秦泿耪吖ぞ叻N類的問題，男士提到了調(diào)整基準(zhǔn)利率、規(guī)定再貼現(xiàn)政策和公開市場操作，他沒有提及最低存款準(zhǔn)備金。 2.A.880 yen.B.794 yen.C.719 yen.D.888 yen.答案:B解析W: What is the rate of exchange for pound sterling into yen today?M: For cash it is seven hundred and ninety four yen to the pound and for travelers cheques it is eight hun

21、dred and eighteen yen to the pound.Q: Whats the exchange rate for cash? 女士問的是今日英鎊兌日元的匯率，男士的回答是：英鎊兌日元的現(xiàn)金匯率是794日元每英鎊，旅行支票匯率是880日元每英鎊，所以選項B為正確項。 3.A.A bill of exchange with a 90-day maturity for $ 6,075.00.B.A bill of exchange with a 60-day maturity for $ 6,075.00.C.A bill of exchange with a 90-day mat

22、urity for $ 6,750.00.D.A bill of exchange with a 60-day maturity for $ 6,750.00.答案:D解析W: Excuse me, sir. Can you tell me what kind of a bill you have?M: Yes, its a ninety-day bill for $ 6,750.00. It matures about two months from now. I didnt think wed have to discount it, but I need the working capi

23、tal right now. How do I discount it?Q: What kind of bill does the man have? 根據(jù)男士的回答，他持有一張金額為6，750.00美元的兩個月到期的遠(yuǎn)期匯票。兩個月是60天，因此選C。 4.A.Cash.B.Sight deposit.C.Cash dispenser.D.Cheque.答案:A解析M: What should I do with my sight deposit if I need some money right now?W: Oh, thats easy. You can either use the

24、cash dispensers or you can write cheques.Q: What does the man want to have now? 男士現(xiàn)在需要的是“some money”，即現(xiàn)金，所以選項A正確。 5.A.To make investment.B.To record data.C.To provide useful information.D.To understand some basic accounting principles.答案:C解析M: The primary objective of financial reporting is to provi

25、de information useful for making investment and lending decisions.W: The information must be relevant, reliable, and comparable.Q: What is the primary objective of financial reporting? 根據(jù)男士的說法，財務(wù)報告的作用在于為投資決策和籌資決策提供有用的信息。 (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 6.A.￥90,000 in notes and ￥68,000 in travelers cheques.B.￥6

26、8,000 in notes and ￥90,000 in travelers cheques.C.￥6,800 in notes and ￥9,000 in travelers cheques.D.￥9,000 in notes and ￥6,800 in travelers cheques.答案:B解析M: Excuse me, Madam, could you tell me what you are going to convert, bank notes or travelers cheques?W: Well, ￥68,000 in notes and ￥90,000 in tra

27、velers cheques. Here are my notes and travelers cheques.Q: What is the customer going to convert? 根據(jù)女士的回答，知她要換取68，000元的紙幣和90，000元的旅行支票。 7.A.All the main commercial banks in Britain agreed to issue a standardized form of cheque card.B.British banks started to issue credit cards.C.Customers of British

28、 banks may cash their cheques in European countries.D.Commercial banks in the United States began to issue cheque card.答案:A解析M: What is a cheque card?W: It was originally issued in UK. British banks started to issue cheque cards in 1965, and as from 1969 all the main commercial banks in Britain agre

29、ed to issue a standardized form of cheque card.Q: What happened to British banks in 19697 根據(jù)女士回答：支票卡最先在1965年由英國銀行發(fā)行，從1969年開始，英國各大商業(yè)銀行協(xié)定發(fā)行標(biāo)準(zhǔn)化的支票卡。 8.A.The bank will cash the check immediately.B.The bank will issue a new bank account and deposit the money for him.C.The bank will cash it for him until

30、the proceeds are collected from the paying bank.D.The bank will endorse the check before payment.答案:C解析M: I want to cash this check for my mother, but the teller told me to bring it here.W: Yes, Sir. Thats an out-of-town personal check. We wouldnt be able to cash it for you until the proceeds are co

31、llected from the paying bank.Q: How will the bank deal with the mans check? 根據(jù)女士的說法，男士不能直接使用個人支票提取現(xiàn)金，因為這張個人支票跨出了地域范圍，需要等到支付行付了手續(xù)費后，才能提取現(xiàn)金。 9.A.Collection Order.B.Bill of Lading.C.Letter of Credit.D.Certificate of Origin.答案:C解析M: Would you tell me about the main contents of the document?W: Name, qual

32、ity, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/C.Q: What may be the name of the document? 根據(jù)女士的回答，單據(jù)上面含有商品名稱、數(shù)量、金額、單價，裝貨和運輸目的地港口，總價金額和支付條款，運輸單，最遲運輸日期和單證合法性等各方面信息。由此可以推斷出此單證就是信用證。 10.A.Cheq

33、ue cards.B.Credit cards.C.Debit cards.D.Smart cards.答案:D解析W: What is a smart card?M: A smart card is a secure, portable, tamper-resistant data-storage device. It has the exact size of a credit card and contains a computer with as much power as the original minicomputer.Q: What arc they talking about

34、? 女士問智能卡是什么，男士回答智能卡的特點和功能。可知他們談?wù)摰氖侵悄芸ā?Section Three 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

35、 four choices marked A, B, C and D. Passage One (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 1.A.A slight increase in prices.B.Rapid growth of economy.C.Decrease of workers salary.D.Soaring prices.答案:D解析 21-24 Hyperinflation is defined as an economic condition during which there is a steep increase in prices. In accordance

36、 with the laws of economics, three factors combine to create this condition. First, demand must be much greater than the supply of available goods. Second, the country must continuously create and thereby build up an ever-increasing supply of money. Third, the governmental processes that are used to

37、 collect taxes must be crippled. Lets imagine a country where production is barely accomplishing its goal: to keep up with demand. When this happens, the government should decrease the salaries of the workers by raising taxes. But the government is powerless to collect the taxes, so it prints more m

38、oney to compensate for the goods it must purchase. This new money goes to the workers who produced the goods; as a result, the people are not forced to give up certain things for a whilethey actually become richer. While this might appear to be a positive step, it is actually regressive. Every month

39、 the government is forced to print more and more money, thereby increasing its liabilities until, it is destroyed. The only way to prevent total economic collapse in such a situation is for the government to increase taxes in a manner that is characterized by impartiality to everyone involved. 21. W

40、hich of the following might occur during hyperinflation? 錄音原文提到Hyperinflation is defined as.a steep increase in prices. 惡性通貨膨脹被定義為價格急劇上漲的經(jīng)濟(jì)環(huán)境。價格急劇上漲即D項的Soaring prices。 2.A.Hyperinflation is just a passing phase in the economic development.B.People could benefit a lot from hyperinflation.C.Hyperinfla

41、tion is used by a government to raise taxes.D.Hyperinflation may cause the downfall of a government.答案:D解析What does the passage imply? 錄音原文提到Every month the government is forced.until it is destroyed.每月政府被迫印刷越來越多的紙幣，負(fù)債不斷增加直至垮臺。因此惡性通貨膨脹可能導(dǎo)致政府垮臺。 3.A.Harmful.B.Negative.C.Going back.D.Progressive.答案:C解

42、析What does the word regressive probably mean? 錄音原文提到While this might appear to be a positive step, it is actually regressive.盡管政府不斷印鈔表面上看來推動經(jīng)濟(jì)前行，實際導(dǎo)致經(jīng)濟(jì)衰退。going back即經(jīng)濟(jì)衰退。 4.A.The cause of hyperinflation.B.The dangers that hyperinflation brings to a country.C.The relationship between taxes and hyperi

43、nflation.D.The supply of money and hyperinflation.答案:A解析What does the author centers on in this passage? 錄音原文提到In accordance with the laws of economics, three factors combine to create this condition.根據(jù)經(jīng)濟(jì)規(guī)律，三方面原因?qū)е聬盒酝ㄘ浥蛎浀陌l(fā)生。可推斷出該文旨在說明惡性通貨膨脹的原因。 Passage Two (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 1.A.It consists of one

44、 commercial credit and one standby credit.B.It consists of two entirely separate documentary credits.C.It consists of a credit and some commercial documents.D.It consists of a bill of exchange and a bill of lading.答案:B解析 25-27 Back-to-Back credits consist of two entirely separate documentary credits

45、, but one credit may act as security for the other. They apply in transactions when actual suppliers and ultimate buyers deal through a middleman. If the supplier insists on a documentary credit, the middleman may apply to his bank for a credit on his behalf. If the middlemans bank is satisfied with

46、 his creditworthiness, the bank will issue the credit in the normal way and no other formalities will apply. However, the back-to-back credit comes into use if the bank insists that the middleman obtain a documentary credit in his favor from the ultimate buyer as security for the back-to-back credit

47、 in favor of the actual supplier. Only the middleman and his banker know the back-to-back credit, and only they are concerned with credit. 25. What do the back-to-back credits consist of? 錄音原文提到“Back-to-Back”credits consist of two entirely separate documentary credits,背對背信用證由兩個完全不相關(guān)的信用證組成。 2.A.When

48、actual suppliers and ultimate buyers deal through a middleman.B.When buyers and sellers agree to make settlement by means of letters of credit.C.When buyers dont agree to make payment on collection basis.D.When sellers insists on a documentary credit.答案:A解析In which situation do the back-to-back cred

49、its apply? 錄音原文提到They apply in transactions when.through a middleman.背對背信用證適用于最初供貨商和最終買方通過中間商進(jìn)行的交易。 3.A.The ultimate buyer.B.The middleman.C.The issuing bank.D.The actual supplier.答案:C解析In whose favor is the back-to-back credit issued.? 錄音原文提到However, the back-to-back credit comes into use if. back-

50、to-back. credit in favor of the actual supplier. 背對背信用證的產(chǎn)生是由于中間商銀行堅持中間商持有一個來自最終買方的以銀行自己為收款人的跟單信用證，作為其開立以供貨方為收款人的信用證的擔(dān)保。由此看出背對背信用證對中間商銀行有利。 Passage Three (如需獲取本MP3聽力錄音請搜索標(biāo)題名) 1.A.A long-term interest rate.B.A long-term loan.C.A short-term interest rate.D.A short-term loan.答案:C解析 28-30 The inter-bank

51、market is important because through banks lending and borrowing, a short-term interest rate can be determined. This interest rate indicates the marginal cost of acquiring short-term liquidity needed by banks in the money market. Thus, the lending is usually for short-term liquidity needs which is us

52、ually overnight. Some lending transactions may be arranged for a longer period of time, usually up to 3 months. The inter-bank money market is well established and active in Hong Kong, with an average daily turnover of HK $ 38 billion in late 1991. Lenders are mostly the locally incorporated banks a

53、nd major borrowers are the foreign banks that do not have adequate deposit base in local currency. 28. What can be determined through inter-bank lending and borrowing? 錄音原文提到The inter-bank market is important because.can be determined. 銀行間市場很重要是因為通過銀行問的借與貸，短期利率得以決定。 2.A.One night.B.One year.C.Three

54、days.D.Three months.答案:A解析How long is the usual period of short-term liquidity needed by banks? 錄音原文提到Thus, the lending is usually for short-term liquidity needs which is usually overnight. 因此借貸通常用來滿足短期流動性需求，通常是隔夜借貸。 3.A.The foreign banks.B.The locally incorporated banks.C.The government.D.Inhabitan

55、t in Hong Kong.答案:B解析Who are the major lenders in the inter-bank market? 錄音原文提到Lenders are mostly the locally incorporated banks and.貸款人絕大多數(shù)是當(dāng)?shù)亟M成公司的銀行。 Part Two ReadingSection One Directions: There are three passages in this section. Each passage is followed by some questions or unfinished statement

56、s. For each of them, there are four choices marked A, B, C and D. Passage 1 Banking organizations are highly geared, much more than commercial or industrial companies. 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 organizations engage in a large volume and variety of transactions. This necessarily requires complex accounting and internal control system and widespread