[語言類考試復(fù)習資料大全]現(xiàn)代金融業(yè)務(wù)(綜合)模擬1

1、書山有路勤為徑，學海無涯苦作舟。祝愿天下莘莘學子：學業(yè)有成，金榜題名！語言類考試復(fù)習資料大全現(xiàn)代金融業(yè)務(wù)(綜合)模擬1現(xiàn)代金融業(yè)務(wù)(綜合)模擬1Part 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. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center. (如需獲取本MP3聽力錄音請搜索標題名) 1.A.On Sundays the bank is open till 4:00 p.m.B.On Sundays the bank is open till 4:30 p. m.C.On Sundays the bank i

3、s closed at 4:30 p. m.D.On Sundays the bank opens at the usual time.答案:A解析On Sundays the bank doesnt open at the usual time and it is closed at 4:00 p. m.錄音原文指出周日銀行下午4點關(guān)門，也就是一直營業(yè)到下午4點。2.A.A Legal tender is the money recognized as a legal medium of exchange.B.Money is used as legal tender if it is a

4、medium of exchange.C.Money is not used as legal tender until it is a medium of exchange.D.Legal tender is the money recognized as a medium of exchange.答案:A解析Once money is recognized by the state as a legal medium of exchange, it becomes a legal tender.題目單句意思為“被國家看作是合法的交易媒介的錢被認為是法定貨幣”，A項意思最為接近。3.A.A

5、business has an obligation to report the use of the assets to the creditors and owners.B.A business has an obligation to report the accounts of the company to directors.C.The creditors and owners have an obligation to report the use of the assets to the business.D.The assets are not owned by the bus

6、iness, but by the creditors and owners.答案:A解析The business owns the assets and must account for the use of the assets to the creditors and owners.題目單句意思為“企業(yè)擁有資產(chǎn)而且必須就資產(chǎn)的用途進行審計以供債權(quán)人和所有者使用”，選項A意思最為接近。4.A.The aim of such control is to raise the demand for foreign exchange.B.The aim of such control is to

7、decrease the supply of foreign exchange.C.The aim of such control isnt to maintain a stable exchange rate.D.The aim of such control is to maintain a stable exchange rate.答案:D解析The aim of such control is to limit the demand for and to increase the supply of foreign exchange in order to maintain a sta

8、ble exchange rate.單句的意思為：“這種監(jiān)管是為了限制外匯需求，同時增加外匯供給以達到維持匯率穩(wěn)定的目標?！庇纱丝梢娖淠繕嗽谟凇癿aintain a stable exchange rate”。5.A.Money brokers generally buy and sell CDs among themselves.B.The buyer and seller of CDs will generally trade through the brokers.C.Money brokers never buy and sell CDs among themselves.D.CDs

9、are generally bought and sold through the bank.答案:B解析Money brokers do not generally hold CDs, but they put parties who wish to trade CDs in touch with each other.單句意思為“銀行經(jīng)紀人一般不會持有可轉(zhuǎn)讓定期存單，但他們會讓想對它進行買賣的雙方互相聯(lián)系”。B項意思最為準確。 (如需獲取本MP3聽力錄音請搜索標題名) 6.A.The check is out of date.B.The check is post-dated.C.The

10、check is in too large amount.D.The check is a crossed one.答案:B解析This check is dated tomorrow. We have to charge you some money if you want to cash it today.根據(jù)錄音，支票要明天才到期，所以應(yīng)是post-dated。7.A.The cost principle states that assets and services that are acquired should be recorded at their current price.

11、B.The cost principle states that assets and services that are acquired should be recorded at their actual historical cost.C.The Reliability Principle states that assets and services that are acquired should be recorded at their current cost.D.The Reliability Principle states that assets and services

12、 that are acquired should be recorded at their actual historical cost.答案:B解析The cost principle states that assets and services that are acquired should be recorded at their actual cost.錄音單句意思為“成本原則認為所購資產(chǎn)和服務(wù)應(yīng)以它們的實際成本記錄”。8.A.The collecting bank is the bank at the sellers country.B.The collecting bank

13、acts only as an agent for the remitting bank.C.The collecting bank knows the buyer very well.D.The collecting bank noticed that the draft and the documents were received.答案:B解析Acting as an agent for the remitting bank, the collecting bank notifies the buyer upon the receipt of the draft and the docu

14、ments.錄音單句意思為“作為匯人行的代理人，托收銀行一收到匯票和單據(jù)就必須通知進口商”，所以選項B意思最為接近。9.A.The relationship between the drawee and collecting bank will be taken into consideration first of all.B.The remitting bankers instructions will be paid much more attention.C.The remitting bankers instructions will be less important than t

15、he relationship between the drawee and collecting bank.D.The remitting banker must consider the relationship between the drawee and collecting bank.答案:B解析The instructions of the remitting bank override the relationship, if any, between the drawee and collecting bank.錄音單句意思為“匯出行的指示勝過付款人和托收行之間的關(guān)系?！?0.

16、A.Not all the customers are allowed by Internet banking to transact business.B.Internet banking allows any customer to transact business from certain places.C.Internet banking allows any customer to transact business from certain time.D.All customers are allowed by Internet banking to transact busin

17、ess.答案:D解析Internet banking allows any customer to transact business from anywhere, at any time.單句意思為“網(wǎng)上銀行使客戶可以在任何地點、任何時間進行交易”。Section Two Directions: In this section, you will hear ten short conversations. At the end of each conversation, a question will be asked about what was said. The conversatio

18、n 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 mark the corresponding letter on the ANSWER SHEET with a single line through the center. (如需獲取本MP3聽力錄音請搜索標題名) 1.A.It means being convenient to be car

19、ried.B.It means being readily to be divided.C.It means being easily identified.D.It means being carried in a big basket.答案:A解析M: The paper money required little effort to carry. If you need large amount of money, you can use a check or credit card to make the payment.W: This nature of money is calle

20、d portability and it provides convenience in settling transactions.Q: What does the word portability mean?portability意為“可攜帶，輕便”。紙幣易于攜帶，但如果要攜帶大量的錢的話，最好是用信用卡。2.A.Four.B.Two.C.Three.D.Five.答案:C解析M: What margins will the lending bank charge?W: Margins mainly depend on these factors: evaluation of credit

21、 risk, maturity of credit, and the starting point from which onwards the rate of interest shall be firm.Q: How many factors do margins charged by the lending bank mainly depend on?錄音原文提到Margins mainly depend onthe rate of interest shah be firm所以C選項正確。3.A.A contractual arrangement.B.A counterpart.C.M

22、any types of risks.D.Credit risk.答案:D解析M: Can you give an example of types of risks Banks face?W: Yes. The major type of risks is called credit risk. It means a counterpart fails to perform according to a contractual arrangement.Q: What are they talking about?他們在談?wù)撱y行所面臨的風險，女士說“The major type of risk

23、s is called credit risk.”，所以D選項符合題意。4.A.Bills of lading.B.Consular invoice.C.Insurance policy.D.Certificate of origin.答案:B解析M: Could you tell me what specific document you will provide?W: Together with the draft, well also send you a complete set of bills of lading, an invoice, an export license, an

24、 insurance policy, a certificate of origin, and a certificate of inspection.Q: What document the woman did not mention?錄音原文中只提到了an invoice，并沒有提到consular invoice，所以B選項是文中沒有提到的。5.A.He got a credit card of his friend and come to ask how to use it.B.He got a card and did not know whose card it is.C.He h

25、as lost his credit card and come to ask what to do.D.He has found a credit card and come to ask what to do.答案:C解析M: Ive lost my credit card issued by your bank. What should I do, please?W: I am sorry for that. But you have to go to that counter over there for the card business.Q: Why does the custom

26、er come to the bank?錄音原文中男士說：Ive lost my credit card issued by your bank，即他丟失了信用卡，來銀行想知道該怎么辦。 (如需獲取本MP3聽力錄音請搜索標題名) 6.A.High credit limitsB.High annual fee.C.Low interest rates.D.Monthly statements.答案:B解析M: Some credit cards are called gold cards because they offer higher credit limits and lower inte

27、rest rates.W: But the card holders should pay a significant annual fee, perhaps as high as 50.Q: What is the disadvantage for gold cards holders?男士提到金卡的優(yōu)點后，女士接著指出其缺點，即pay a significant annual fee，perhaps as high as 50，也就是年費高，B項正確。7.A.The methods of financial statements.B.The necessity of careful ana

28、lysis of financial statementsC.The relationship among financial statements.D.The purpose of financial statements.答案:B解析M: There are several reasons why careful analysis of financial statements is necessary. What are they?W: First, financial statements are general-purpose statements. Secondly, the re

29、lationships between amounts on successive financial statements are not obvious without analysis. And thirdly, users of financial statements may be interested in seeing how well a company is performing.Q: What are they talking about?男士問的是仔細分析財務(wù)報表的必要性的理由，故B選項符合。D項說的是財務(wù)報表的目的，并非分析財務(wù)報表的目的。8.A.Both endors

30、e the instrument.B.Neither of them endorses the instrument.C.A authorizes B to endorse the instrument.D.B authorizes A to endorse the instrument.答案:B解析M: If an instrument is payable to the order of both A and B who are not partners, what should they do?W: Both of them must endorse, unless one has au

31、thority to endorse for the other.Q: Which of the following is not right according to the woman?女士回答的是“除非其中一方有權(quán)為另一方背書，否則兩者都得背書”。由此可知選項B不正確。9.A.The man will probably wait for the payment for 30 days.B.The man can get his payment right away.C.The man will send an order to the company.D.The woman will n

32、ot pay the man at sight.答案:B解析M: Could your company accept bills of exchange payable 30 days after sight?W: No, we dont accept any draft; instead, we usually make payment at sight.Q: What can we infer from the conversation?從女士所說的“make payment at sight”，即即期付款，可知B項正確。10.A.He wants to withdraw some pou

33、nds.B.He wants to transfer some money to London.C.He wants to know how to transfer money from London to him.D.He wants to exchange some pounds for yen.答案:C解析M: Would you please tell me what I should do to have funds transferred to me here from London?W: The fastest way is by telegraphic transfer fro

34、m your bank in London to us.Q: What does the man want to do?男士問的是如何“have funds transferred to me here from London”，所以C項正確。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 sp

35、oken 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 corresponding letter on the ANSWER SHEET with a single line through the center. Passage One (如需獲取本MP3聽力錄音請搜索標題名) 1.A.Bank card business.B.Bank card fraud.C.Technologie

36、s used in bank.D.International card fraud.答案:B解析 21-23 Credit card fraud is a big problem. Card fraud in the U.S. involving bank cards alone totaled $ 680 million last year, which represented an increase of more than 35% over a 10-year period. However, the tide is beginning to turn, and the growth p

37、ercentage of fraud is diminishing technologies are becoming more widely used. In 1994, Visa card fraud in the U. S. was as new equal to the figure posted in 1992. At Master Card, bogus card transactions rose 14% from 1993 to 1994. Even so, the growth rate has slowed considerably from the beginning o

38、f the decade. That looks good news for bankers and for average card holders as well. 21. What is the passage mainly about? 錄音原文開頭提到Credit card fraud is a big problem由此可知B選項正確。2.A.$ 680 millionB.$ 860 millionC.$ 680 billionD.$ 860 billion答案:A解析How much did bank card fraud involve in U.S. last year?錄音

39、原文提到Card fraud in the U.S. involving$680 million last year，所以A選項正確。3.A.Its the same over the 10-year period.B.Its getting worse over the 10-year period.C.Its getting better over the 10-year period.D.There is no way to solve the problem.答案:C解析What conclusion can we draw concerning card fraud?錄音原文最后提到

40、the growth rate hasfor average card holders as well過去10年以來，信用卡違約增長率在不斷的下降，這對銀行和信用的持有者來說是一件好事。Passage Two (如需獲取本MP3聽力錄音請搜索標題名) 1.A.To follow the banks rules and regulations.B.To have the right to make full use of the banks facilities.C.To open an account in the bank.D.To protect the depositors intere

41、st.答案:A解析 24-26 When a savings account is opened in a bank, the depositor must sign a deposit agreement. By signing agreement, the depositor agrees to abide by the rules and regulations of the bank. At this time, a passbook may be given to the depositor. This is a small book in which the bank teller

42、 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 deposit or withdrawal slip each time money is deposited or withdrawn from the account. An alternative practice for depositing or withdrawin

43、g money from a savings account is to give the depositor a small register for recording deposits and withdrawals and a pad of deposit withdrawal rotors. This procedure eliminates the use of the passbook. 24. What is the purpose of signing a deposit agreement? 錄音原文中提到By signing agreement，the depositor

44、rules and regulations of the bank通過簽訂存儲協(xié)議，存款人會遵守銀行的規(guī)則。2.A.He makes deposits with a bank.B.He withdraws money from a savings account.C.He withdraws money from a checking account.D.Both and .答案:D解析What does a depositor do with a passbook?存款人用存折來取錢或存錢。所以D選項符合題意。3.A.To attract deposits.B.To improve bank

45、 services.C.To eliminate the use of the passbook.D.To promote banking business.答案:C解析What is the aim of a small register and a pad of deposit withdrawal forms?錄音原文中提到a savings account is to give the depositoreliminates the use of the passbookPassage Three (如需獲取本MP3聽力錄音請搜索標題名) 1.A.cashB.notes and coi

46、nsC.recorded electronic funds-transfer systemD.paper gold答案:C解析 27-30 We will live in a society when cash no longer exists. Instead, cash would be electronic, as in bank-card systems. Notes and coins would be abandoned. Its benefits would be profound and fundamental. Theft of cash would become impos

47、sible. Bank robberies and cash-register robberies would cease to occur. Urban streets would become safe. Retail shops in once dangerous areas could operate in safety. Neighborhoods would improve. National electronic-money system would operate as a debit-card system. Each individuals money would be h

48、eld in his money-system account. A transaction would affect an instant transfer of money from his account to that of another account holder. Only cash would be supplanted by electronic money. Credit card and automatic-teller-machine system would not necessarily change, although you could no longer o

49、btain cash at ATMs. 27. In future, what kind of form will the money be? 錄音原文提到We will live in a societywould be electronic，as in bank-card systems2.A.Cash would be no longer in use.B.There would be more safety guards.C.More prisons would be set up.D.People would be better off.答案:A解析According to the

50、passage, why would the neighborhoods improve?因為有了銀行的電子系統(tǒng)，現(xiàn)金就不再使用了，因而也就不用擔心小偷，城市周圍就會安全了很多。3.A.Letters of creditB.Electronic funds-transfer technologyC.Credit cardsD.Travelers checks答案:B解析What make(s) it possible to divorce money from evil?根據(jù)錄音原文，B選項符合題意。4.A.In a cash-free society, bank robberies and

51、cash register robberies would not occur.B.Retail shops could operate in safety.C.Automatic-teller-machine system would have to change.D.Purse snatching would simply become impossible.答案:C解析According to the passage, which of the following statements is false?錄音原文最后一句提到Credit card and automatic-teller

52、-machine system would notobtain cash at ATMs. automatic-teller-machine system沒有必要改變。Part Two ReadingSection One Directions: There are three passages in this section. Each passage is followed by some questions or unfinished statements. For each of them, there are four choices marked A, B, C and D. Yo

53、u should make the best choice and mark the corresponding letter on the ANSWER SHEET by drawing a single line through the center. Passage 1 Commercial bank deposits, including demand deposits, are subject to immediate withdrawal during regular banking hours at the request of the depositor with the ex

54、ception of certain time deposits, discussed in this section. Demand deposits may be withdrawn in the form of currency or coin, or they may be transferred to another account at any commercial bank. Demand deposits at commercial banks can be transferred by bank check and are sometimes called checking

55、accounts. No money interest is paid on demand deposits. Checkable NOW accounts, or share drafts at credit unions, which are available to consumers but not business depositors, pay interest. Technically, they are savings accounts that are accessible by a negotiable order of withdrawal. Savings deposi

56、ts at commercial banks and thrifts can usually be withdrawn as currency or coin, or as a cashiers check of the bank (a check drawn against the issuing bank) ; they may be trans-fenced into the depositors demand deposit account at the same bank, although technically the bank may refuse to withdraw or

57、 transfer a savings account for 30 days. Time deposit accounts with specified maturities are exceptions to the convention that commercial bank deposits should be convertible to cash on demand. Prior to the date of maturity, the bank may refuse to exchange such a time deposit claim or may impose a penalty fee. The time deposit pays interest, g