现代金融业务综合7 1.docx
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现代金融业务综合7 1.docx
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现代金融业务综合71
现代金融业务(综合)-7
(总分:
73.93,做题时间:
90分钟)
一、{{B}}PartOneListening{{/B}}(总题数:
2,分数:
10.00)
{{B}}SectionOne{{/B}}
Directions:
Inthissection,youwillheartenshortstatements.Eachstatementwillbespokenonlyonce.Aftereachstatement,therewillbeapause.Duringthepause,youmustreadthefoursuggestedanswersmarkedA,B,CandD,anddecidewhichisthebestanswer.
{{B}}SectionOne{{/B}}
Directions:
Inthissection,youwillheartenshortstatements.Eachstatementwillbespokenonlyonce.Aftereachstatement,therewillbeapause.Duringthepause,youmustreadthefoursuggestedanswersmarkedA,B,CandD,anddecidewhichisthebestanswer.
(分数:
5.00)
A.Creditcardholderswillstateiftheydon'tbuyanything.
B.Creditcardholderswillreceivetheirstatementsfromthebankeverymonth. √
C.Creditcardholderscanchargepurchasestotheirbankaccounts.
D.Creditcardholdershavetomakepurchaseseverymonth.
解析:
[听力原文]Creditcardholderscanchargepurchasestotheircreditcardaccounts,andtheyreceivemonthlystatements.单句意思为“信用卡持有者可以把消费额累加到信用卡账户上,银行每月会提供财务报告”。
A.Theforeignbanksshouldhavesetuparepresentativeoffice. √
B.Theforeignbankscan'tapplyforabranch.
C.Theforeignbankscan'texpandbusinessinChina.
D.Theforeignbanksareforbiddentosetuparepresentativeoffice.
解析:
[听力原文]TheforeignbanksshouldhavesetuparepresentativeofficeinChinatwoyearsbeforetheycanapplyforabranch.单句意思为“外国银行若要申请在中国建立分行,那他们应该提前两年在中国设立办事处。
”
A.Youcanhavethecheckencashednow.
B.Youwillhavethemoneyinoneortwodays.
C.Youcannothavethecheckencashed.
D.Youhavetowaitforthepaymenttillthematurity. √
解析:
[听力原文]Yourcheckisaforwardone.Wewillmakepaymentatthematurity.单句意思为“你的支票为远期支票,支票到期时我们才付款。
”
A.Interestrateriskisanormalpartofbankingoperations. √
B.Interestrateriskisaterriblethreattobankingoperations.
C.Abank'searningsandcapitalbaseisanormalpartofbanking.
D.Abank'searningsandcapitalbasecanposeasignificantthreattobanking.
解析:
[听力原文]Althoughitisanormalpartofbanking,excessiveinterestrateriskcanposeasignificantthreattoabank'searningsandcapitalbase.单句意思为“尽管利率风险是银行业常见的风险,但它可以对银行收入和资本基础造成严重威胁”。
只有A项意思正确。
A.Theyusuallyholdsavingsaccounts.
B.Theyhavecurrentaccounts.
C.Theyspecializeinlong-termsavingsaccountsandmortgages. √
D.Theydealinshort-termsavingsaccounts.
解析:
[听力原文]Theyspecializeinlong-termsavingsaccountsandusuallylendmoneyformortgages.单句意思为“他们专门从事长期储蓄而且通常为他人提供抵押贷款。
”
(分数:
5.00)
A.Themajorityofsmartcardsusersaregovernmentsandcommercialorganizations. √
B.Manyusersofsmartcardsarepowerfulingovernmentsandcommercialorganizations.
C.ThedominantusersofsmartcardsarebanksinChinabynow.
D.ThedominantusersofsmartcardsusedtohebanksinChina.
解析:
[听力原文]Actually,inChinabynow,thedominantusersofsmartcardsarenotbanks,butgovernmentsandcommercialorganizations.单句意思为“事实上,目前在中国,智能卡的主要使用者不是银行,而是政府和商业机构。
”B项对“dominant”一词理解有误,C项与句意相反,D项没有提及。
A.Ifaremittingbankcannottakepropercareincollection,theexporterwilldoithimself.
B.Ifaremittingbankcannotfulfillitsobligationincollection,theexporterwillclaimindemnifyforit.
C.Ifaremittingbankcannottakepropercareincollection,itwillloseacustomer. √
D.Ifaremittingbankcannotfulfillitsobligationincollection,itwillcauselosstotheexporter.
解析:
[听力原文]Ifaremittingbankfailstotakepropercareintheoutwardcollection,theexporterwillsoontransferhisaccounttoonewhichdoes.单句意思为“如果汇出行没能及时处理好出口托收,出口商将把它的账户立即转到另一家银行。
”
A.Thecustomershouldfirstnotifythedraweebankofthelossofhisdraft.
B.Thecustomershouldfirstnotifythedrawerbankofthelossofhisdraft. √
C.Thecustomershouldfirstnotifytheremittingbankofthelossofhisdraft.
D.Thecustomershouldfirstnotifythecollectingbankofthelossofhisdraft.
解析:
[听力原文]Ifacustomerinformshisbankthatadraftwhichhasbeenissuedtohimhasbeenlost,thedraweebankshouldbenoticedimmediately.单句意思为“当客户丢失了银行开给他的汇票,则应立即通知付款行。
”
A.TheU.S.companyhastoexchangedollarsforpoundstomakesettlementforthegoodsimportedfromU.K. √
B.TheU.S.companymustexchangesomepoundsfordollarsbeforethetransactionismade.
C.TheU.S.companymaydirectlypurchasegoodsinBritaininsterlingpounds.
D.TheU.S.companymustexchangedollarsforeurosfirst.
解析:
[听力原文]IfaU.S.companywantstopurchasegoodsinBritainandthetransactionissettledinsterlingpounds,ithastoexchangedollarsforpoundsfirst.单句意思为“若一家美国公司要在英国购买货物,而交易又是以英镑结算,那么这家美国公司首先要将其美元兑换成英镑。
”
A.Cashiscrucialtoacountry'seconomy.
B.Moneyiscrucialtoacountry'seconomy.
C.Capitaliscrucialtoacountry'seconomy.
D.Banksarecrucialtoacountry'seconomy. √
解析:
[听力原文]Banksarecrucialtoacountry'seconomy,theyserveasthecenterpointoftheexchangeofmoneythroughouttheeconomy.录音说的是银行对一国的经济很重要。
二、{{B}}SectionTwo{{/B}}(总题数:
2,分数:
10.00)
Directions:
Inthissection,youwillheartenshortconversations.Attheendofeachconversation,aquestionwillbeaskedaboutwhatwassaid.Theconversationandquestionwillbespokenonlyonce.Duringthepause,youmustreadthefourchoicesmarkedA,B,C,D,anddecidewhichisthebestanswer.
Directions:
Inthissection,youwillheartenshortconversations.Attheendofeachconversation,aquestionwillbeaskedaboutwhatwassaid.Theconversationandquestionwillbespokenonlyonce.Duringthepause,youmustreadthefourchoicesmarkedA,B,C,D,anddecidewhichisthebestanswer.
(分数:
5.00)
A.Thusshecanknowthemostappropriateinvestmentandthebesttimeofinvestment. √
B.Thusshecanearnalotofmoney.
C.Thusshecanhelpothers.
D.Thusshecanknowabouthowmuchmoneyshehas.
解析:
[听力原文]W:
Isitnecessaryformetomakeanoteofallmyassets?
M:
Yes,ofcourse,thusyoucanworkoutwhatsortofinvestmentsuitsyouandoverwhattimeframe.Q:
Whyshouldthewomanmakeanoteofallherassets?
根据男士的回答将全部资产记录下来是很有必要的,这样就可以确定适合的投资种类和投资期限。
A.Haveanaccount.
B.Drawonthisbranch.
C.Cashacheck. √
D.Somethingpersonal.
解析:
[听力原文]M:
DoIhavetohaveanaccountheretocashapersonalcheck?
W:
Notifit'sdrawnonthisbranch.Q:
Whatwillthemanprobablydo?
男士问:
我是否有必要在这儿开立账户以方便使用个人支票提现?
女士答:
如果在同一家银行分支机构就不必开户。
由此可推断出女士所在机构和支票开出行是同一家银行的分支机构,男士可以直接提现。
A.Timedeposit.
B.Savingsaccount.
C.Currentaccount.
D.Instantsavingsaccount. √
解析:
[听力原文]M:
Timedepositsarenotallowedtobewithdrawnwithoutnotice,isit?
W:
Yes,butthereisanexception.Wecandrawlimitedamountfromakindoftimedepositscalledinstantsavingsaccountatatimewithoutgivinganynoticetothebank.Q:
Whatistheexceptionmentionedinthedialogue?
女士提到定期存款中有一种instantsavingsaccount(即时可取存款账户),可以不必提前通知银行即可从银行取出一定限额的存款。
A.Aboutlong-termrelationshipbetweenthebankerandtheclient.
B.Aboutlong-termloans.
C.Abouthousingloans. √
D.Aboutshort-termloans.
解析:
[听力原文]M:
What'stheinterestrateonmortgageloans?
W:
Itfluctuatesalittledependingonthevariousfactorsintheloan,butaround8.75%forlong-timeclients.Q:
Whataretheytalkingabout?
男士问的是按揭贷款的利率怎么样,女士做出了针对性回答,可知他们谈论的是住房贷款,因为按揭贷款一般用于住房贷款。
A.Husbandandwife.
B.Teacherandstudent.
C.Bankerandhiscustomer. √
D.Employerandemployee.
解析:
[听力原文]M:
Soyourdivisioninthebankistoensurethatyourcustomersreceivepaymentforthegoodstheyexpect.W:
That'swherewecanhelpanexporterlikeyourcorporation.Weoftenhearpeoplesaythatexportingiseasy,buttogetpaidishardwork.Q:
Whatistherelationshipbetweenthespeakers?
男士问:
你在银行的任务就是保证你们的客户能够收回期盼的货款?
女士答:
这正是我们银行能够帮助与你公司相类似出口商的地方。
我们常常听说出口容易,收款难。
由此不难推断出他们是银行和客户的关系。
(分数:
5.00)
A.Theperformanceofacompany.
B.Thefinancialstatements. √
C.Thedetailedinformation.
D.Anextensiveannualreport.
解析:
[听力原文]M:
Theformalyardstickofperformanceofabusinessisthefinancialstatements.Theyareissuedatperiodicintervals.W:
Youareright.Ifindthecomparisonoffinancialstatementsbetweenoneyearandthenext,particularlyhelpfulinunderstandingacompany'sperformance.Q:
Whataretheytalkingabout?
男士说:
衡量一家商业企业营运状况好坏的正式标准是财务报表,它们是定期报告。
女士说:
我发现通过对某年和其次年的财务报表进行比较,对于了解该公司的营运状况特别有用。
由此推断出他们谈论的是财务报表。
A.Creditcard.
B.Passport.
C.Traveler'scheques. √
D.I.D.card.
解析:
[听力原文]M:
Goodmorning!
I'velostmytraveler'scheques.Iwonderifyoucouldgetintouchwiththeissuingbanktoclaimrefundforme.W:
Don'tworry,Sir.ButIneedsomedetailedinformationbeforeIcontactyourissuingbank.Q:
Whatdidthemanlost?
根据男士的问话可知他丢失了旅行支票,想知道女士是否可以为他联系支票发行方,要求偿还支票款项。
A.Thedraweebankwillrefusetopaythedraft.
B.Thedraweebankwillissueanotherdrafttothecustomer.
C.Thedraweebankwillinvestigateintothecasefirst. √
D.Thedraweebankwillpaythedraftimmediately.
解析:
[听力原文]M:
Ifacustomerlosthisdraft,willthebankstillpaythedrafttohim?
W:
Thedraweebankmayinvestigatethetitleofthepersonwhoholdsit.Ifhehasagoodtitle,thedraftwillbepaid.Q:
Whatwillthedraweebankdoafterbeinginformedoflossofadraft?
根据女士回答,付款行将调查持票人是否具有对货物的所有权,如果有,银行将对汇票付款。
因此,汇票丢失后,银行将进行调查。
A.Itistotransferthecontractfrombanktocustomer.
B.Itistotransferthepaymentobligationfrombuyertosellerthroughbanks. √
C.Itistotransfertheconfirmationfromtheissuingbanktoconfirmingbank.
D.Itistotransferthedocumentsfromadvisingbanktoissuingbank.
解析:
[听力原文]M:
Asameansofinternationalsettlement,whatisthemainroleofacreditcard?
W:
Itsmainroleistotransferthepaymentobligation
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