[金融英语考试密押资料]现代金融业务(综合)模拟(暂无语音只提供参考11

金融英语考试密押资料现代金融业务(综合)模拟(暂无语音，只提供参考11金融英语考试密押资料现代金融业务(综合)模拟(暂无语音，只提供参考11现代金融业务(综合)模拟(暂无语音，只提供参考11Part One ListeningSection OneDirections: 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 suggested answers marked A, B, C and D, and decide which is the best answer. 1.A.Sometimes the interest rates on time deposits are not fixed.B.People can draw these deposits at any time.C.The interest rates on time deposits are fixed.D.The interest rates on time deposits are floating.答案:A解析 These time deposits earn higher interest rates, which may be fixed or floating, but no withdrawals are allowed until the term has ended. 单句意思为"定期存款会获得一个固定的或浮动的更高利率，但如果不到期则不允许取款"。只有A项意思正确。 2.A.The objective of financial reporting is to provide information useful for making investment and lending decisions.B.The financial reporting is useless.C.The financial reporting cant help people to decide whether they invest on something or not.D.The financial reporting has no objectives.答案:A解析 The financial reporting is used to provide information useful for making investment and lending decision. 单句的意思为"财务报告被用来为投资及借贷决策提供有用信息。" 3.A.Some borrowers are engaged in undesirable activities which are considered immoral.B.Some lenders are engaged in undesirable activities which are considered immoral.C.Most borrowers dont engage in activities that are undesirable or immoral.D.Most lenders dont engage in activities that are undesirable or immoral.答案:A解析 From the lenders viewpoint, moral hazard is the risk in financial markets that some borrowers may engage in activities that are undesirable or immoral. 单句意思为"贷方认为一些借方可能会从事不合需要或不道德的活动而造成金融市场的道德风险"。B、D项错误，C项没有明确指出。 4.A.An irrevocable L/C can not be committed to amendment.B.An irrevocable L/C can not be cancelled without permission.C.An irrevocable L/C can not be cancelled or amended.D.Neither cancellation nor amendment without permission can be made to the irrevocable L/C.答案:D解析 If a letter of credit is issued irrevocably, it cant be canceled nor amended without permission. 单句意思为"如果信用证是不可撤销的，那就表示未 单句意思为“如果信用证是不可撤销的，那就表示未经允许信用证是不可以取消或是修改的。” 5.A.The paying bank sends the check to the remitting bank for repayment.B.The remitting bank sends the check to the paying bank for repayment.C.The collecting bank sends the check to the remitting bank for repayment.D.The remitting bank sends the check to the collecting bank for repayment.答案:A解析The encashing bank forwards the cheque to the drawerS bank for payment and reimbursement 单句意思为“兑现银行开出支票给出票几银行以获得偿款。”兑现银行指的就是付款银行，而出票银行指的是托收银行。 6.A.The shareholders are the owners of limited companies.B.Shareholders deposit their money in the limited companies.C.The shareholders can sell shares of limited companies to the public.D.Shareholders of limited companies are able to make profits continuously.答案:A解析The owllers of limited companies are people who have bought shares in the Company 单句意思为“有限公司的拥有者是那些购买公司股份的份额”。 7.A.A forward transaction is done on a future date.B.A forward purchase is to buy foreign currency in future.C.A forward purchase is to buy a foreign currency with settlement on a future date.D.A forward transaction is to buy a foreign currency on future date.答案:C解析In foreign exchange transactions，a forward purchase is an undertaking to buy a partieular amount of foreign currency for delivery and settlement of a future date 单句意思为“在外汇交易中，远期交易就是购入一定量的外币准备在未来某一日期交付和结算。” 8.A.Banks make money in foreign exchange business because of profit margin.B.Banks make money from the price spread in the foreign exchange market.C.Banks make money in foreign exchange business on profit as well as on volume.D.Banks make money in foreign exchange business because of the great volume.答案:D解析 Banks make money in the foreign exchange dealings not on profit margin but on volume 单句意思为“银行在外汇交易中挣钱不是来自于边际利润而是来自于交易量。” 9.A.The company is a sun-rising firm so it is worthwhile to extend the loan.B.The company has some accounting problems, some improvement is needed.C.The company is short of funds because it is sun-rising.D.The company has some accounting problems because it is sun-rising.答案:B解析 Although the said company is a sun riSing firmits accounting management should be improved before the lcan is extended to it 单句意思为“尽管我们谈及的企业是成长性企业，但是在我们贷款给对方之前，它应该要完善它的财务会计管理。” 10.A.A currency swap is a better way to convert the long-term transaction into a spot transaction.B.A currency swap makes long-term transaction exposure to exchange rate fluctuations.C.A currency swap is a better way to reduce the risks of the long-term transactions owing to the exchange rate fluctuations.D.A currency swap can in no way reduce the risk of exchange rate fluctuation