金融英语复习参考题.doc

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1、金融英语复习材料期末考试题型及分值分布：1：单项选择 20*1=202：阅读理解两篇 10*2=203：汉译英 5*3=154：英译汉 6*5=305：专业问答 15 Multiple choice.1. What function is money serving when you buy a ticket to a movie? A. store of value B. a unit of account C. transaction demand D. a medium of exchange2. Which of the following statements is not true

2、 of central banks? A. they pay the governments salaries B. they are always the lender of last resortC. they always undertake the regulation of the banking systemD. none of the above3. What is the reserve requirement? A. The requirement for cash reserves B. The requirement for deposits in cashC. The

3、percentage of a banks deposits in the form of cash reservesD. The requirement of a bank to deposit a percentage of money4. Regulation of the money supply and financial markets is referred to as A. fiscal policy B. monetary policy C. income policy D. budgetary policy5. Financial markets serve to chan

4、nel funds from .A. savers to investors B. investors to consumers C. consumers to producers D. the government to contractors6. If the central bank wishes to increase the level of bank reserves temporarily, it should .A. purchase government securities outrightB. raise reserve requirementC. buy governm

5、ent securities under a repurchase agreementD. sell government securities under a reserve repurchase agreement7. A commercial bank wishing to increase its capital should A. issue new stock B. acquire new deposit C. make more commercial loans D. acquire government securities8. The following are the th

6、ree main instruments used by the central bank to implement its monetary policy except A. reserve requirement ratio B. credit quotaC. open market operation D. discount rate9. are the major target which the central bank buys and sells in the open market.A. financial institution bonds B. corporate bond

7、s C. stocks D. government securities10. Financial intermediaries are institutions A. that borrow funds from investors in productive facilitiesB. that act as middlemen in transferring funds from ultimate lenders to ultimate borrowersC. that lend funds to small savers D. all of the above11. Financial

8、markets can be classified as A. debt and equity markets B. primary and secondary marketC. money and capital markets D. all of the above12. Commercial banks participate in the money market as A. lenders only B. borrowers only C. both lender and borrowers D. trustees only13. The major expense of comme

9、rcial bank is A. wages and salaries B. dividend payments to stockholders C. interest on deposits D. taxes14. Stocks are also referred to as A. securities B. equities C. shares D. all of above15. Which of the following is not a type of bond? A. corporate B. treasury C. Eurodollar D. municipal16. Whic

10、h of the following is a debt instrument found in the capital market? A.U.S. treasury bill B. commercial paper C. residential mortgage D. demand deposit17. The foreign exchange market is organized as A. a physical market B. a capital market C. a speculative market D. over-the-counter market18. Exchan

11、ge control require the government A. to ensure that the foreign-exchange market is perfectly competitiveB. to stop buying foreign exchangeC. to sell more foreign exchange than it buysD. to balance inflows and outflows of foreign exchange at the current exchange rate19. The forward rate is calculated

12、 by adjusting the spot rate by a A. premium B. discount C. margin D. difference20. When the U.S. real interest rate is low, owning U.S. assets is and so U.S. net foreign investment is A. more attractivehigh B. more attractivelowC. less attractivehigh D. less attractivelow21.The main liability on a b

13、ank balance sheet is _.A. deposits B. capital and reserves C. loans and overdrafts D. cash22. Why must the liabilities and assets of a bank be actively managed? _.A. Because assets and liabilities are not evenly matched on the same time scaleB. Because assets and liabilities are evenly matchedC. Bec

14、ause the interbank market uses LIBORD. Because assets and liabilities can be underwritten23. Financial intermediaries by borrowing short and lending long find themselves in difficult financial situations because A. short-term rates are falling B. long-term rates are rising C. deposits increase too r

15、apidlyD. short-term rates rise relative to rates of their holdings E. long-term rates rise more sharply than short-term rates24. Banks manage their assets considering _.A. risk B. some optimum combination of the above C. earnings D. liquidity25. Indirect finance is also known as .A. financial interm

16、ediation B. intangible finance C. disintermediation D. the futures market26. Which of the following financial institutions have the most assets? A. life insurance company B. private pension funds C. commercial banks D. credit unions27. By purchasing government securities commercial banks are .A. bor

17、rowing from the government B. acquiring earning assetsC. making a “loan” to the government D. both B and C28. Which of the following financial intermediaries operate in primary securities markets? A. brokers B. dealers C. commercial banks D. investment banks29. Which of the following would be consid

18、ered a disadvantage of allocating resources using a market system? A. Income will tend to be unevenly distributed.B. Significant unemployment may occur.C. The wastage of scarce economic resources cannot be prevented.D. A misallocation of resources may occur where there is a discrepancy between priva

19、te and social costs.30. Which of the following is not a factor of production according to economists? A. Land B. Labor C. Entrepreneurship D. Trademark31. Which of the following is not a function of money? A. To act as a medium of exchange B. To act as a unit of accountC. To act as a store of value

20、D. To act as a means of paymentE. To provide a double coincidence of want.32. Legal tender includes .A. coins only B. notes only C. notes and coins D. notes, coins and checks33. Commercial bank deposits with the central bank are part of the banks A. net worth B. demand deposits C. loan portfolio D.

21、reserves34. The key factor limiting how much a commercial bank has immediately available to lend is the amount of its A. demand deposits B. excess reserves C. vault cash D. savings deposits35. Which of the following central bank action would be appropriate to combat rapid inflation? A. A reduction i

22、n the discount rate B. A reduction in reserve requirement C. A cut in tax D. A sale of government securities36. A commercial bank wishing to increase its capital should A. issue new stock B. acquire new deposits C. make more commercial loans D. acquire government securities37. The price in the forei

23、gn market is called A. the trade surplus B. the money price C. the exchange rate D. the currency rate37. Monetary policy and policy are the two basic tools used by the government to influence the course of economic activity.A. accounting B. fiscal C. financial D.trade38. if the nominal rate of inter

24、est is 10 percent and the expected rate of inflation is 7 percent, the real rate of interest is .A.27 percent B. minus 3 percent C. plus 3 percent D. minus 27 plus39. A money market instrument usually used for import/export payment is known as .A. repurchase agreement B. Eurodollar C. Certificate of

25、 deposit D. Bankers acceptance40. Bonds that can be changed to shares of common stock are said to be .A. callable B. general obligation C. convertible D. zero-coupon41. Preferred stockholders receive .A. coupon payments B. fixed dividend payments C. variable dividend payments D. payment in the form

26、of additional stock42. Bank manage their assets considering .A. risk B. liquidity C. earnings D. some optimum combination of the above43. Which of the following would be considered a loan secured by real estate? A. A credit card loan B. Subordinated debt C. Bank capital D. A mortgage44. will be eith

27、er the sole or the main source of a project loan repayment.A. capital funds B. investment gains C. the cash flow arising from the projects D. all of the above45. In a syndicated loan, handles the negotiations with the borrower, prepares the relevant documentation and disburses the full amount of the

28、 loan to the borrower.A. the lead bank B. the accounting bank C. the participating bank D. the agent bank46. Repayment of a borrowing for working capital purposes usually comes from .A. profits B. sale of fixed assets C. cash flow D. capital introduced47. A loan agreement is normally prepared by and

29、 reviewed by .A. the lending banks legal counselthe borrowers attorneyB. the borrowers attorney the lending banks legal counsel C. a third party other than the lending bank and the borrower the lending banks legal counselD. none of the above48. For the most bank, are the largest and most obvious sou

30、rce of credit risk.A. guarantees B. interbank transactions C. loans D. equities49. A customer has deposited a gold watch with the bank for safe-keeping. This is an example of A. lien B. pledge C. bailment D. mortgage50. A pledge provides a bank with .A. possession of the goods B. rights over items h

31、eld in safe custodyC. legal ownership of the goods D. the ability to transfer interests in certain assets51. Which of the following is true of a mortgage? A. the mortgage retains possession of the mortgaged propertyB. the mortgagor retains possession of the mortgaged propertyC. the lender acquires t

32、he right to retain the mortgaged property until the mortgaged debt is repaidD. none of the above汉译英练习题：1.我们银行经办定期存款、活期 存款和定活两便存款。2.对于活期储蓄存款，您可以随时存取，存款期限不受限制。3.商业银行可以帮助个人和家庭实现购房、购车和教育方面的财务目标。4.小额消费信贷是一种由贷款人向具有良好资信状况的借款人提供的用于资助其正常消费，劳务和其他支出的消费性贷款。5.银行代理的股票交易类业务包括银证转账业务和股票交易结算业务。6.商业银行收费业务也叫做中间业务。7.银行可

33、以通过购进未到期银行承兑汇票和商业承兑汇票向企业授信。8.人民币流动资金贷款的借款人必须是企业或机构法人。9.统一授信业务可以满足客户对于融资服务快捷和便利性的要求。10.银行按照国际惯例对出口买方信贷业务收取管理费和佣金两种费用。英译汉重点掌握的句子：（1）第9页supervisor and regulator这一段：as a regulator .a regional basis.（2）第14页Line 7-L13：从the PBCs main function.state administration of foreign exchange.（3）第19页第3段Line 1-L3：从th

34、e bank offers a wide range.and wireless banking services.（4）第32页第2段Line 1-L6：从fist of all you should know that.savings optional deposit.（5）第34页第2段Line 2-L4：从it refers to savings deposit.is repaid when on due date.（6） 第36页第6段：从all convertible foreign exchange remitted.and then deposited in the bank.（

35、7）第49页第2段：从as far as the borrowing limit is concerned.as provided by the lender.(8) 第53页第2段：从state educational loans belongs to.limited to commercial loans.(9) 第55页第2段：从The length of maturity of a state educational.本段结束。(10) 第64页第1段：从第4行this first question any one may ask本段结束。（11）第67页第1段：从D/D is a m

36、ethod of remittance.本段结束。（12）第69页第1段：从it refers to firm foreign exchange dealings.set by the bank.（13）第72页第1段Line 3-L7：从The next thing the clientin a single day is RMB 5000。（14）第81页票据贴现第2段：从as an efficient financing method.improve the efficiency of fund utilization.（15）第85页Line 37-L11：从well, what we

37、 can provide to you is RMB.high revolving nature and lower cost。（16）第88页最后一段Line 2-L8：从the applicant should haveand credit policies.（17）第91页最后一段Line 1-L5：从it refers to the practice thatas the guarantee.（18）第91页最后一段Line 5-L7：从this financing mode airport, bridge, etc.（19）第107页Line 3-L5：从export buyers credit refers toand electrical products.(20) 第108页倒数第六行开始，从commercial contract under export buyers credit.本段结束。专业问答复习题：1. What is the role of the peoples bank of china?2. Who can apply for export buyers credit?3. How many ways are there in remitting out foreign currency?4. What is a housing loan?