金融英语模拟题二T2P2Reading.docx
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金融英语模拟题二T2P2Reading.docx
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金融英语模拟题二T2P2Reading
金融英语模拟题
(二)
Parttwo Reading
SectionOne(10%)
Directions:
Therearetenstatementsinthissection.ForeachstatementtherearefourchoicesmarkedA,B,C,D.Youshouldchoosethebestanswer.
31.Whichactivitiesarenottheinvestmentbankingactivities?
A.underwritingnewissues
B.financialadvising
C.dealingandbroking
D.savings'taking
32.___________isthepurchaseofonecompanybyanotherusingmainlyborrowedfunds.
A.Ahorizontalmerger
B.Aleveragedbuyout
C.Averticalmerger
D.AMBO
33.Thebillofladingisevidenceofownership.Itthusfunctionsasa________.
A.receiptforgoods
B.contractfordelivery
C.titledocument
D.negotiableinstrument
34.Liquidity______________.
A.isameasureofhowquicklyanitemmaybeconvertedtoforeigncurrencies
B.isameasureofhowquicklyanitemmaybeconvertedtocash
C.isameasureofhowquicklyanitemmaybeconvertedtoliabilities
D.isameasureofhowquicklyanitemmaybeconvertedtofixedcapital
35.Amongvariousworriesconcerningtheinternetbanking,thefirstandforemostistheproblemof__________.
A.profit
B.interest
C.client
D.security
36.Accordingtotherulesofdebitandcreditforbalancesheetaccounts______________.
A.decreasesinasset,liabilities,andowner'sequityaccountsarerecordedbydebits
B.increasesinliabilitiesandowner'sequityaccountsarerecordedby
credits
C.decreasesinliabilitiesandassetarerecordedbycredits
D.increasesinassetandowner'sequityarerecordedbydebits
37._________consistofasimultaneoussaleorpurchaseofcurrency.
A.Spottransactions
B.Forwardtransactions
C.Optionforwardtransactions
D.Swaptransaction
38.Cashinflowsfromfinancingactivitiesforabankexclude:
________.
A.receivingdeposits
B.issuanceofequitysecurities(capitalstock)
C.issuanceofdebtsecurities(bond,notes,mortgages)
D.redemptionofdebt
39.Whenabankholdssomevaluablesonbehalfofitscustomer,therelationshipbetweenthebankandcustomeris___________.
A.debtor-----creditor
B.bailor--------bailee
C.principal-----agent
D.trustor-------trustee
40.Theredclausedocumentarycreditisoftenusedasamethodof______.
A.providingthesellerwithfundspriortoshipment
B.providingthebuyerwithfundspriortoshipment
C.providingthesellerwithfundsaftershipment
D.providingthebuyerwithfundsaftershipment
SectionTwo(10%)
Directions:
Thereare10blanksinthefollowingpassages.ForeachblankstherearefourchoicesmarkedA,B,C,D.Youshouldchoosethebestanswer.
PassageOne
Commercialbanks___41______manyfunctions,somecentraltotheirmainroleintheeconomyandothersmoreperipheral.Althoughlendinganddeposit_____42______havebeentheepicenterofcommercialbanking,thelastfewyearshavewitnesseda_______43_______inboththetypesandthevolumeofbankingservices.Thissurgehas____44____inpartbygovernment_____45_____,butmostimportantlybycompetitivepressures.
41.
A.do
B.entail
C.perform
D.work
42.
A.allocating
B.taking
C.saving
D.mobilizing
43.
A.increase
B.improvement
C.decrease
D.surge
44.
A.beeninduced
B.caused
C.attributed
D.been
45.
A.relaxation
B.control
C.regulation
D.deregulation
PassageTwo
Therearegenerallyseveraltypesofcredits.A(n)"___46____"guaranteespaymenttothebeneficiary,providedthatthecredittermsandconditionsaremetandthestandingoftheadvisingbankinthebeneficiary'scountryissound.A(n)"____47______"maybecancelledatanytimeuptothemomenttheadvisingbankpays.Thistypeofcreditis___48_____favorabletotheexporter.Thereisariskthatgoodsmaybeshippedandthecreditrevokedbeforedocumentsarepresentedtotheadvisingbank.A(n)"____49______"maynotbecancelledorevenamendedwithouttheconsentofallthepartiesinvolved.Thistypeofcreditguaranteesthatnosinglepartywillrevokethecontractalreadysigned.A(n)"____50_____",likeacommercialcredit,isapromisebytheissuertohonorthebeneficiary'spresentationofthecredit.
46.
A.stand-bycredit
B.revocablecredit
C.irrevocablecredit
D.confirmedcredit
47.
A.confirmedcredit
B.revocablecredit
C.irrevocablecredit
D.stand-bycredit
48.
A.themost
B.theleast
C.far
D.much
49.
A.confirmedcredit
B.revocablecredit
C.irrevocablecredit
D.stand-bycredit
50.
A.stand-bycredit
B.revocablecredit
C.irrevocablecredit
D.confirmedcredit
SectionThree(10%)
Directions:
Readthefollowingpassages,anddeterminewhetherthesentencesare"Right"or"wrong".Ifthereisnotenoughinformationtoanswer"right"or"wrong''.choose"Doesn'tsay".
PassageOne
Internetbankinghasmanyadvantagesforbanks.Itismuchcheapertoserviceacustomerwhomakescontactonlybyphone,interactiveTV,computerorotherterminals,doingwithouttheexpensivebranchnetwork.Nevertheless,withInternetbanking,customersdomuchofthebasicdatainputtingthemselves,furthersavingstafftimeofbanks.Bankscaninvestthesavedresourcesofhumanpowerandcapitalonutilizingtheinformationofitscustomerswhentheyaretransacting,i.e.toroute,analyze,andintegratedataintomeaningfulpatterns.Processedcustomerinformationisandwillremaintobeaninvaluableassetofbanks.Andthereisanelementofselfselectionbyhigherearningcustomers-theInternetbankingcustomerstendtobethosewhoarerelativelywealthyandgeneratethebanks'profits.TheseadvantagesthereforesuggestthattheInternetisregardedasanincreasinglyimportantcommercialtoolbyagrowingnumberofbanks.
51.Internetbankingservicescustomersbyphone,interactiveTV,computerorotherterminals.
A.Right
B.Wrong
C.Doesn'tsay
52.Internetbankingcansavehumanpowerandcapital.
A.Right
B.Wrong
C.Doesn'tsay
53.Internetbankinghasmanydisadvantagesforbankssuchastherisksanduncertaintyofoutcome.
A.Right
B.Wrong
C.Doesn'tsay
PassageTwo
Revocablecreditistheonewhichcanbeamendedorcancelledatanytime,buttheissuingbankisboundtopaydrawingunderthecreditnegotiatedbytheadvisingbankorthetransmittingbankpriortothereceiptbyitofthenoticeofrevocationorofamendment.Anirrevocablecredit,however,carriestheirrevocableundertakingoftheissuingbanktopayalldrawingsmadeintermsofthecredit.Suchacreditcanonlybeamendedorcancelledwiththeconsentofallpartiestoit,thatistheapplicant,theissuingbank,theintermediarybank,ifany,andthebeneficiary.
Wheretheconfirmationofanintermediarybankisaddedtoanirrevocableletterofcredit,thecreditisaconfirmedcredit,ormoreexactly,aconfirmedirrevocablecredit,andsuchaconfirmationconstitutesadefiniteundertakingoftheconfirmingbankinadditiontotheundertakingoftheissuingbank.
54.Arevocablecreditcanbeamendedinanycircumstances.
A.Right
B.Wrong
C.Doesn'tsay
55.Anirrevocableconfirmedcreditgivesthebeneficiaryadoubleassuranceofpayment.
A.Right
B.Wrong
C.Doesn'tsay
56.Anirrevocablecreditcannotbecancelled.
A.Right
B.Wrong
C.Doesn'tsay
57.Wheretheconfirmationofintermediarybankisaddedtoarevocableletterofcredit,thecreditisaconfirmedrevocablecredit.
A.Right
B.Wrong
C.Doesn'tsay
PassageThree
ThesourceofforeignexchangeforoverseasinvestmentbydomesticentitiesaresubjecttoreviewbytheSAFEbeforetheapplicationforsuchinvestmentisfiledwiththerelevantgovernmentagencies.
ProfitsorotherforeignexchangeincomeofChineseinvestorsfromtheiroverseasinvestmentmustberemittedhomewithineightmonthsafterthecloseofeachlocalaccountingyearandsurrenderedorkeptinforeignexchangeaccountsinaccordancewiththeregulations.UnlessotherwiseapprovedbytheSAFE,Chineseinvestorsmaynotdivertforeignexchangereceiptstoanyotherpurposesorkeepthemabroad.Wheneveranenterprisewindsupitsoverseasbusiness,theinvestorshallrepatriatealloftheassets.
58.SAFEistheabbreviationoftheStatedAdministrationofForeignExchange.
A.Right
B.Wrong
C.Doesn'tsay
59.Whenacorporationendsitsoverseasbusiness,theinvestorshallrepatriatealloftheassets.
A.Right
B.Wrong
C.Doesn'tsay
60.Chineseinvestorscannotdivertforeignexchangereceiptstoanyother
purposesorkeepthemabroad.
A.Right
B.Wrong
C.Doesn'tsay
SectionFour(20%)
Directions:
Thereare4passagesinthissections.Eachpassageisfollowedbysomequestionsorunfinishedstatements.ForeachofthemtherearefourchoicesmarkedA,B,C,D.Youshouldchoosethebestanswer.
PassageOne
Arevolvingdocumentarycreditisonebywhich,underthetermsandconditionsthereof,theamountisrenewedorreinstatedwithoutspecificamendmentstothedocumentarycreditbeingrequired.Therevolvingdocumentarycreditmayberevocableorirrevocable,andmayrevolveinrelationtotimeorvalue.
Inthecaseofadocumentarycreditthatrevolvesinrelationtotime,e.g.whichisinitiallyavailableforuptoUSD15,000.00permonthduringafixedperiodoftime,say,sixmonths,thedocumentarycreditisautomaticallyavailableforUSD15,000.00eachmonthirrespectiveofwhetheranysumwasdrawnduringthepreviousmonth.Adocumentarycreditofthisnaturecanbecumulativeornon-cumulative.Ifitisstatedtobe'cumulative,'anysumnotutilised
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