初級銀行綜合類模擬試卷1

初級銀行綜合類模擬試卷1

一、單項選擇（本題共70題，每題7.0分，共10分。）

1、ThePeople'sBankofChinashallandexercisesupervisionandcontrolover

thefinancialindustryundertheleadershipoftheStateCouncil.

A、formulateandimplementmonetarypolicies

B、inventandusemonetarypolicies

C、provideandharnessmonetarypolicies

D、createandapplymonetarypolicies

標準答案：A

知識點解析：暫無解析

2、Owners'equityismeasuredbysubtractingliabilitiesfromassets.Thissentencecan

bedescribedasthefollowingequation.

A、ASSETS-LIABILITIES+OWNER'SEQUITY

B、ASSETS-LIABILITIES=OWNER'SEQUITY

C、OWNER'SEQUITY=ASSETS+LIABILITIES

D、OWNER'SEQUITY=LIABILITIES-ASSETS

標準答案：B

知識點解析：暫無解析

3、areassetsthatareexpectedtobeconvertedtocash,sold,orconsumedduring

thenext12monthsorwithinthebusiness'snormaloperatingcycleiflongerthanayear.

A、Long-termassets

B、Long-termliabilities

C、Currentliabilities

D^Currentassets

標準答案：D

知識點解析：暫無解析

4、TheinterdependencebetweenChina'seconomyandtheworldeconomy

significantly.

A、deeped

deepened

C、dependent

D、depends

標準答案：B

知識點解析：暫無解析

5、Securitiessubjecttomortgageare.

A^deeds,firepolicies,andstocksandsharesandotherchoosesinaction

B、titledeeds,firepolicies,andequitiesandotherchoosesinaction

C、tidedeeds,lifepolicies,andstocksandsharesandotherchoosesinaction

D、titledeeds,lifepolicies,andequitiesandotherchoosesinaction

標準答案：C

知識點解析：暫無解析

6、Financialmarketscanbeclassifiedas.

A、debtandequitymarkets

primaryandsecondarymarkets

C^moneyandcapitalmarkets

D、alloftileabove

標準答案：D

知識點解析：暫無解析

7、Theprimarysourceoffundsoffireandcasualtyinsurancecompaniesincludes

A、savingsdeposits

B、premiumsfrompolicies

C、commercialpaper,stocksandbonds

D、alloftheabove

標準答案：B

知識點解析：暫無解析

8、Anothernameforjunkbondsis.

A^high-yieldsecurities

B、non-investmentgradesecurities

C^speculativeinvestmentsecurities

D^anyoftheabove

標準答案：C

知識點解析：暫無解析

9^WhatdoesIPOstandfor?

A、InitialPactOrganization

InitialPublicOffering

C、Internationa]PublicOffering

D、InlclleciualPropeilyOiganizaliun

標準答案：B''

知識點解析：暫無解析

10、Arepurchaseagreementisatransactioninwhich.

A、alenderagreestobuybacksecuritiesataspecifiedfuturedateatapredetermined

price

aborroweragreestobuybacksecuritiesataspecifiedfuturedateatapredetermined

price

C、abonoweragreestosellbacksecuritiesataspecifiedfuturedateatapredetermined

price

D、noneoftheabove

標準答案：B

知識點解析：暫無解析

二、完型填空（本題共10題，每題1.0分，共10分。）

Liquidityriskarisesfromtheinabilityofabanktoaccommodateunexpecteddecreasesin

[21]ortofundincreasesin[22].Whenabankhas[23]liquidity,itcannotobtain

sufficientfunds,eitherbyincreasingliabilitiesorby[24]assetspromptly,ata

reasonablecost,therebyaffectingprofitability.Inextremecases,insufficientliquidity

camleadtothe[25]ofabank.

11、

A、liabilities

B、assets

C、sufficiency

D、supply

標準答案：A

知識點解析：暫無解析

12、

A、liabilities

B、assets

C、efficiency

D、profitability

標準答案：B

知識點解析：暫無解析

13、

A、adequate

B、inadequate

C、accurate

D、inaccurate

標準答案：B

知識點解析：暫無解析

14、

A、changing

B、exchanging

C、converting

D、turning

標準答案：C

知識點解析：哲無解析

15、

A、efficiency

B、ability

C、solvency

D、insolvency

標準答案：D

知識點解析：暫無解析

Chinawillcontinuetopursuea[26]monetarypolicy,andseekrefinementsinthe

conductofmonetarypolicybyrelyingon[27]policyinstruments.First,openmarket

operationwillbeexpanded,andthequalityoftherelevantdecision-makingwillbe

improvedto[2S1therimingandscaleofopenmarketrransactions.Transaction

frequencywillbe[29]andfine-tuningmeasureswillbetakenastheoccasion

warrants.Flexibilitywillbeexercisedinselectingmodesoftransactionsogivefurther

playtotheopenmarketinguiding[30]interestrates.

16、

A、open

B、sound

C、safe

D、overall

標準答案：B

知識點解析：暫無解析

17、

A、indirect

prudential

C>direct

D、complicated

標準答案：A

知識點解析：暫無解析

18、

A^enlarge

B、optimize

C、widen

D、re4tuce

標準答案：B

知識點解析：暫無解析

19、

A、increase

B、created

C、decreased

D、cutdown

標準答案：A

知識點解析：暫無解析

20、

A、long-term

B、lending

C、short-term

D、borrowing

標準答案：C

知識點解析：暫無解析

三、閱讀理解(本題共8題，每題1.0分，共8分。)

Whocanspottherisks?Thegrandcirclethatregulatorshavetosquareisthis:howto

establishaframeworkofregulationthataccommodatesthecharacteristicsofthe

traditionalspecialisedbankingsystemandmarkitofffromotherbusinesses.Withthe

sortofdiversifiedfinancialservicesthatareactuallyevolving,theeraofstrictly

compartmentalisedfinancialinstitutionsispassing,leavingtheregulatorysystem

designedtomatchitlookingincreasinglyoutofdate.Asingleomnipotent,omniscient

regulatorforallfinancialservicesremainsdream.Manysayitwillstaythatway,

pointingouthowlongittooktogetagreementjustonrudimentaryinternationalrulesfor

thecapitaladequacyofbanks.Yetregulatorseverywhereacknowledgetheneedto

cooperatemorecloselywiththeiroppositenumbersacrossindustrialandgeographical

boundaries.Theyalsoagreethatgreaterharmonisationofregulatorystandardson

everythingfromreportingrequirementstoriskassessmentwillcomesurely,ifslowly.

Muchofthatislikelytobemeretidyingup.AgoodplacetostartinAmericawouldbe

scrappingtheseparateregulationofthrifts,Iftheyhavebeenthereislittlereasonnotto

regulatethemasbanks(andespeciallygiventhemessthriftregulatorshavemadeofthe

job).ItiswhatJapanhassensiblydonebymakingitsequivalentofthrifts,sogobanks,

choosetobeeithercreditunionsortobecomecommercialbanks.Britain,too,haslet

thoseofitsbuildingsocietieswithambitionstobebanks,andtoberegulatedassuch.

Thesearemovesinanotherrightdirectiontoswitchawayfromregulationbyinstitution,

asmostlyhappensnow,toregulationbyfunction.Thismeansthatregulationbecomesa

matterofsupervisingwhatisdoneratherthanwhodoesit.Unsystematicderegulationhas

broughtthesystemtoitspresentuglypass.Thishasleftanincreasingnumberof

competitiveanomalies.Muchofthepressurefor,andresistanceto,furtherchangecomes

fromthoseinstitutionsthatwishtoalleviateorentrenchtheirmarketdisadvantage.In

bothAmericaandJapan,thedebatesaboutreformingthedomesticfinancialsystems,and

inparticularaboutupdatingGlass-SteagallandArticle65respectively,havebeen

slowedbypoliticalhorse-trading.Thisismakingworseasituationinwhichcompetition

iskeepingthepricesofmanyfinancialservicesartificiallylowandcapacityartificially

greatinawaythatcannotbesustainedforlong.Systemicriskgetsgreater,notless,the

longerthesystemisskewed.Thepointislongpastatwhichregulatorsmighthavebeen

abletoforcemarketpracticesbackintotheoldregulatoryframework.Theglobal

competitiveandtechnologicalforcesagainstthemarctoopowerful.Neitheristheoption

ofturningbacktheclockthroughre-regulationfeasible,andfewregulatorsshowsigns

eitherofwantingtoundertakesuchacourse,orofhavingthestomachforthepolitical

fightitwouldentail.EveninJapan,whereregulatorsholdaswayovertheirindustries

thattheircounterpartsinEuropeandAmericacanonlyenvy,andwherethefinancial

systemisbeingemergingneweconomy.Thisisbeingdonewiththegrainofmarket

forces,notagainstit.

21、Which"circle"do"theregulatorshavetosquare"accordingtoparagraph1?

A^Tocreatearegulatorysystemthatcontrolsbankstightlyenough.

B、Tocreatearegulatorysystemthattreatsbanksexactlylikeotherfinancial

institutions.

C、Tocreatearegulatorysystemwhichlimitsfinancialinnovations.

D、Tocreatearegulatorysystemwhichprovidesaspecialpositionfbrbanks.

標準答案：A

知識點解析：暫無解析

22NWhichofthefollowingsentencesdoyouthinkisthefirstsentenceofParagraph3?

A、Thehistoryofattemptedbankregulationextendsfarbacktotheearlydaysofthe

foundationoftheBankofEngland.

B、BankersinAmericaarecomplainingthatproposedderegulationoffinancial

institutionstherewillopenthewaytoincreaseforeigncompetition.

C、Nonetheless,fewforeseeanythingbutthemostlimitedmergingofexisting

regulatoryagencies,evenwithinsinglecountries.

D、Japan'scentralbankhasjustannouncedliberalisedarrangementsforbankswishing

toraisemorecapital.

標準答案：A

知識點解析：暫無解析

23、Thefirstsentenceofthenextparagraphis"Unsysrematicderegulationhasbrought

thesys-temtoitspresentuglypass."Youthinkthemaintopicofthisparagraphwillbe:

A、adescripiionofthefauksofthepresentsystem.

adescriptionofthepositivepointsofthepresentsystem.

C、adescriptionofthefuturechangesinthesystem.

D、adescriptionoftheregulationscontrollinginsurancecompanies.

標準答案：B」「

知識點解析：暫無解析

24、WhichofthefollowingarementionedinParagraph5asbeingproblemsinthe

presentsys-tem?

A^Pricesarctoohighandcapacitytoolow.

B、Changeisbeingstoppedbyvestedinterests.

C>Politicsarepreventingreforminsomecountries.

D、Riskisdecreasingbykeepingthepresentsystem.

標準答案：A

知識點解析：暫無解析

TypesofrisksSofarwehaveusedtheterm"risk*'ratherloosely.Onetypeofriskis

defaultrisk,thatis,theriskthattheborrowerwillsimplynotrepaytheloan,duetoeither

dishonestyorplaininabilitytodoso.Anothertypeofrisk,calledpurchasing-power

risk,istheriskthat,duetoanunexpectedlyhighinflationrate,thefutureinterest

payments,andtheprincipaloftheloanwhenfinallyrepaid,willhavelesspurchasing

powerthanthelenderanticipatedatthetimetheloanwasmade.Asimilarriskisfaced

byborrowers.Aborrowermaycheerfullyagreetopay,say,15percentinterest,expecting

thata12percentinflationratewillreducetherealvalueoftheloan.Butinflationmaybe

only4percent.Athirdtypeofriskiscalled"interest-raterisk"or"marketrisk'1,thatis,

theriskthatthemarketvalueofasecuritywillfallbecauseinterestrateswillrise.We

willdiscussthisfurtherlater;herewcjustpresenttheintuitiveidea.Supposethatfive

yearsagoyouboughtaten-year1000bondcarryinga6percentinterestrate,andtile

interestratenowobtainableonsimilarbondsalsohavefiveyearstogountiltheymature

is8percent.Wouldanyonepay1000foryourbond?Surelynot,becausetheycouldearn

80peryearbybuyinganewbond,andonly60peryearbybuyingyourbond.Hence,to

sellyourbondyouwouldhavetoreduceitsprice.Butsupposethebond,insteadof

havingfiveyearstomaturity,wouldmaturein,say,ninetydays,whatwoulditspricebe

then?ItwouldstillbelessthanI000sincethebuyerwouldget6percentinsteadof8

percentinterestforninetydays;butsincegettingalowerinterestsellforonlyninetydays

doesnotinvolvemuchofaloss,thebondwouldsellforsomethingcloseto1000.Hence,

whileholdinganysecuritywithafixedinterestraleinvolvessomeinterest-raterisk,the

closertomaturityasecurityis,theloweristhisrisk.Ontheotherhand,ifinterestrates

fallyougainbecauseyourbondisworthmore;andthelongerthetimeuntilthebond

matures,thegreaterisyourgain.Butthefactthatyoumaygainaswellaslosedoesnot

meanthatyouarctakingnorisk.DiversificationAllthreetypesofrisksarcrelevantfor

decidingwhatassetstoincludeinaportfolio,andwhatdebtstohaveoutstanding.(The

termportfoliomeansthecollectionofassetsoneowns.)Anyoneholdingmorethanone

typeofassethastoconsidernottheriskofeachassettakenbyitself,butthetotalityof

theriskonvariousassetsanddebtsjointly.Supposesomeoneholdsstockinacompany

thatislikelytogainfrominflation.Theriskinessofaportfoliothatcombinesbothof

thesestocksmaybelessthantheriskinessofeachstocktakenseparately.Aport-folio

consistingofassetsthatarcaffectedinoppositedirectionsbygivenfutureeventsisless

riskythanaretheassetsthatcomposeitwhentakenindividually.Hencealow-risk

portfolioneednotcontainonlyassetsthatindividuallyhavelittlerisk;sometimesone

reducestheriskinessofaportfoliobyaddingsomehigh-riskassetsthatoffsettherisks

ofotherassetsinit.

25、ForParagraph1choosethesummarywhichyouthinkbestexpressesthemainidea.

A、Theexistenceofinflationproducespurchasing-powerrisk.

B、Purchasing-powerriskinvolvesalossinthevalueofmoneyloanedorborrowedbe-

causeofhigherorlowerinflationthanexpected.

C^Purchasing-powerriskproducedbyaninflationhigherthanexpectedaffectslenders

only.

標準答案：A

知識點解析：暫無解析

26、ChoosethesummarythatbestexpressesthemainideaofParagraph2.

A、Ifyouhavepurchasedafixedinterest-ratesecurity,thenboththecash-invalueand

theinterestyoureceiveremainconstantthroughoutthelifeofthatsecurity.

Buyingafixedinterest-ratesecurityofalimitedtermisveryriskybecauseany

interestratechangeswillproducealossofcash-invalue.

C、Buyingafixedlengthsecuritywithafixedinterestratemeansthatthecash-invalue

ofthatsecuritywillchangeasinterestratesingeneralchange.

標準答案：C

知識點解析：智尢解析

27、ChoosethesummarythatbestexpressesthemainideaofParagraph3.

A、Theriskfactorinaportfoliocanbereducedbyincludingassetswhoserisksare

complementary,i.e.,ifonelosesvaluebecauseofpanicularcircumstancestheother

gainsbecauseofthosecircumstances.

B、Oneshouldtrytoeliminateallrisksfromone'sportfoliobyonlybuyingverysafe

shares.

C^Undernocircumstancesshouldacarefulinvestoraddhighriskassetstohis/her

portfolioeventhoughtheincomeorcapitalgainthatmaybereceivedfromthathighrisk

assetcouldbeverylarge.

標準答案：A、

知識點解析：暫無解析

28、Findwordsinthetextthathavethemeaningoffailuretokeepanagreement:

A、default

B、lose

CNgain

D、anticipate

標準答案：A

知識點解析：暫無解析

四、英釋漢（本題共2題，每題分，共2分。）

29、Securitiesregulators,atboththedomesticandinternationallevels,shallbeguided

byaconstantconcernforinvestorprotection.

標準答案：無論國內(nèi)或國際的證券監(jiān)管者都必須以時刻關(guān)注保護投資者為指導(dǎo)原

則。

知識點解析：暫無解析

30、TheNewBasicCapitalAccordismoreextensiveandcomplexthanthe1988Basle

Accord,whichisanaturalreflectionoftheadvancementandinnovationsinthefinancial

marketplaceandtheneedforamorerisk-sensitiveframework.

標準答案：《巴塞爾新資本協(xié)議》(NewBasleCapitalAccord)比1988年《巴塞爾

協(xié)議》(1988BasleAccord)更復(fù)雜，覆蓋面更廣，自然反映了金融市場的發(fā)展卻創(chuàng)

新以及對風(fēng)險更敏感的金融體系的需要。

知識點解析：暫無解析

五、判斷正誤(本題共7題，每題1.0分，共7分。)

Themostbasictooloftheaccountistheaccountingequation.Thisequationpresentsthe

assetsofthebusinessandtheclaimstothoseassets.Assetsareeconomicresourcesofa

businessthatareexpectedtobeofbenefitinthefuture.Cash,officesupplies

merchandise,furniture,landandbuildingsareexamples;Claimstothoseassetscome

fromtwosources.Liabilitiesare"outsideclaims",whichareeconomicobligations,debts

payabletooutsiders.Theseoutsidepartiesarecalledcreditors.Forexampleacreditor

whohasloanedmoneytoabusinesshasaclaim-alegalright-toapartoftheassets

untilthebusinesspaysthedebt,"insiderclaims"arccalledowners'equityorcapital.

Thesearetheclaimsheldbytheownersofthebusiness.Owners'equityismeasuresby

subtractingliabilitiesfromassets.

31、Theownersofabusinessarethosewhohaveinvestedtheirmoneyinthebusiness.

There-fore,theyaretheonlypersonswhohavetherightofclaimstotheassetsofthe

business.

A、Right

Wrong

C、Doesn'tsay

標準答案：B

知識點解析：暫無解析

32、Theamountofliabilitiesofbusinesstellsushowmuchthebusinessowesto

outsiders.

A、Right

B>Wrong

C、Doesn'tsay

標準答案：A

知識點解析：暫無解析

33、Assetsismeasuresbysubtractingowners'equityfromliabilities.

A^Right

B、Wrong

C、Doesn'tsay

標準答案：B

知識點解析：暫無解析

Thereareusuallytwokindsofledgers:1.Generalledger:Itcontainsthecontrolling

accountsforeachofthesubsidiaryledgers.Acontrollingaccountinthegeneralledger

showsinsummaryformwhatappearsindetailinthecorrespondingsubsidiaryledger.

Thereisoftenaseparatecontrollingaccountforeachsubsidiaryledger.ThusDuefrom

Bankscontrollingaccountshowsinsummaryformthetotalsofallthedebitsandcredits

appearinginthecorrespondentbanks*accountsintheDuefromBankssubsidiaryledgers.

Thebalancesinthegeneralledgerforasset,liabilityandcapitalaccountsbecomethe

basisfordatasetforthinthebalancesheet.Thebalancesintheincomeandexpense

accountsbecomethebasisfbrdatasetforthintheProfitandLossStatements.2.

Subsidiaryledger:Itisaledgermaintainedforsubsidiaryaccountsofahomogeneous

nature.Thebalancesoftheaccountinthesubsidiaryledgerequalthetotalofthebalance

showninthecontrollingaccount