1、金融英語期末復習1. brokerA）經濟人2. lifeinsuranceA）人壽保險B）經紀人B）財產保險3. capitaladequacyratioA）資本充足率4. runonabankA）貸款5. financialcrisisA）金融風險B）資本利潤率B）存款B）金融監管6.legalreservesrequirementA）公開市場業務7. exchangerateA）匯率8. monetarymarketA）資本市場9. optionA）期貨monstockA）普通股11.bullmarketA）牛市12.centralbankA）中央銀行13.simpleinterestA

2、）復利14.liquidityA）流動性15. balancesheetA）現金流量表16. off-shorebankingA）國際銀行業務C）承銷商C）海上保險C）資金利用率C）擠兌C）金融危機B）利率C）紅利B）票據市場C）貨幣市場B）期權C）互換B）優先股C）/芬B）熊市C）套利B）法定存款準備金C）再貼現率C）投資銀行B）商業銀行B）單利C）本金B）贏利性資產負債表B）離岸銀行業務C）結算業務17.structuralimprovementA）結構調整18.moralhazardA）道德風險19.fixedcostA）固定成本20.stagflationA）通貨膨脹21.Widesp

3、read結構優化逆向選擇邊際成本通貨緊縮C）結構失調C）信息不對稱C）平均成本C）滯脹affectsnotonlythenation'sinternationalbalanceofpaymentbutalsothesalesofhomeindustries.A）speculatingB）smugglingC)streamliningDstocktaking22. Bankswillnotmakealoantoanyborrowerunlesstheymakesurethelatteris.A)prosperousB)richC)solventD)honest23. The"F

4、ord"isdesignedtoassistsomeoutstandingscholarsintheireffortstodooutstandingresearches.A)FoundationB)SponsorshipC)FundD)Funds24. Allbondholderswillbepaidatvalueofthebondonmaturity.A)agreedB)securityC)paperD)par25. Foradepositof$10000attheannualinterestrateof6%,onemayreceiveatotalof$10600onmaturit

5、yforhisandinterest.A)originalB)stakeC)principalD)deposit26. Inthoseyears,manyforeigninvestorswithdrewfromthecountrybecauseofdisappointingrateofinvestment.A)gainsofB)yieldofC)returnonD)returnof27. Majoritybusinessmenbenefitfromthedifferencebetweenpriceandwholesaleprice.A)distributionB)bitC)lotD)retai

6、l28. Asarule,theconstructioncontactorhastosubmittotheclientasumabout10%ofcontractpriceasofcontractperformance.A)mortgageB)promiseC)commitmentD)security29. Theinvestmentofafirmmayfellintotwocategories:thefirstisforinvestmentinfixedassets,thesecondisforinitsday-to-dayoperation.A)turnoverB)wagesC)bonus

7、D)incentive30. Intheory,thosepertaintothefirm'sassets.A)accountsreceivableB)receivableaccountsC)payableaccountsD)accountspayable31. Thepercentageanalysisofincreasesanddecreasesincorrespondingitemsincomparativefinancialstatementsiscalled.A)verticalanalysisB)horizontalanalysisC)externalanalysisD)c

8、omparativeanalysis32. Thedocumentarycollectionprovidesthesellerwithagreaterdegreeofprotectionthanshippingon.A)openaccountB)bank'sletterofguaranteeC)banker'sdraftD)documentarycredit33. WhenGBP/USDrategoesfrom1.6150to1.8500,wesaythedollar.A)appreciatesby12.70%B)depreciatesby14.55%C)depreciates

9、by12.70%D)appreciatesby14.55%34.Thepriceintheforeignexchangemarketiscalled.A)thetradesurplusB)thecurrencyrateC)themoneypriceD)theexchangerate35. Whatfunctionismoneyservingwhenyoubuyatickettoamovie?.A)transactiondemandB)amediumofexchangeC)storeofvalueD)aunitofaccount36. Thesearefourmainmethodsofsecur

10、ingpaymentininternationaltrade:(1)paymentunderdocumentarycredit(2)openaccount(3) collection,thatisdocumentagainstpaymentoracceptanceofabillofexchange(4)paymentinadvanceFromanexporter'spointofview,theorderofpreferenceis.A)(4),(1),(3),(2)B)(4),(2),(3),(1)C)(4),(3),(1),(2)D)(2),(4),(1),(3)37. Theri

11、skthatisspecifictoindividualstocksiscalled.A)systematicriskB)countryriskC)unsystematicriskD)marketrisk38.Money.A)servesasthecriticalfunctionofamediumofexchangeB)facilitatestradeingoodsandservicesC)overcomestheinefficienciesofbarterD)alloftheabove39. MrWang,alawyer,isabettertypistthanhissecretary,but

12、hestillhashertodothetyping.Whateconomicprinciple,muchusedintradetheory,doesthisillustrated?A)absoluteadvantageB)economiesofscaleC)diminishingreturnsD)comparativeadvantage40.Theeconomicssituationathomeandabroad,includingtheinterestrate,theexchangerate,easemoney(expansionofmoneysupply)ortightmoney(con

13、tractionofmoneysupply),hasalongterminfluenceonstockprices.41. ThefunctionoftheWorldBankistoprovideamechanismforsupplyingforlongperiodsoftime20or30yearstheforeignexchangeneededtorebuildanddevelopeconomies.42. Spottransactionsareforeignexchangetransactionsthathavetobesettledpromptly,forwardtransaction

14、shavetobesettledonanagreedfuturedate.43. Throughyearsofreformefforts,Chinahasdevelopedabankingsystemconsistingmainlyofthewhollystate-ownedcommercialbanksandjoint-equitycommercialbanksunderthesupervisionofthecentralbank,thePeople'sBankofChina.44. Theuseofforeignexchangearisesbecausedifferentnatio

15、nshavedifferentmonetaryunitsandthecurrencyofonecountrycannotbeusedformakingpaymentinanothercountry.45. VentureCapitalcompanypoolsthepartners'assetsandusetheseassetstohelpafreshenterprisetobeginitsnewcause.46. Oneofthemainfunctionsofbanksistotakeindepositfromsurplusregionsandthenmakeloanstothedef

16、icitregions.47. TheimplementationofthestabilizationandstructuralmeasureshasbeenamajorfactorunderlyingtheresilienceoftheChineseeconomyinthecontextofthecrisisinAsianfinancialmarketsandtherecentweakeningofglobaleconomicactivity.48. Asymmetricinformationispresentinloanmarketbecauselendershavelessinforma

17、tionabouttheinvestmentopportunitiesandactivitiesofborrowersthanborrowersdo.49. Thefunctionsoffuturesmarketsarepricediscovery,priceriskhedging,andmarketefficiencyimproving.Directions：Readthefollowingpassages,anddeterminewhetherthesentencesareRight'or“Wrong”.Ifthereisnotenoughinformationtoanswer“R

18、ight"or"Wrong”,choose“Doesn'tsay"Passage1Liquidityisameasureofhowquicklyanitemmaybeconvertedtocash.Therefore,cashisthemostliquidasset.Accountreceivableisarelativelyliquidassetbecausethebusinessexpectstocollecttheamountincashinthenearfuture.Suppliesarelessliquidthanaccountsreceivab

19、le.Usersoffinancialstatementsareinterestedinliquiditybecausebusinessdifficultiesoftenariseowingtoshortageofcash.Howquicklycanthebusinessconvertanassettocashandpayadebt?Howsoonmustaliabilitybepaid?Thesearequestionsofliquidity.50. Long-termassetsareallassetsotherthancurrentassets.A)rightB)wrongC)Doesn

20、'tsay51. Suppliesarelessliquidthanaccountsreceivable,andfurnitureandbuildingsareevenlessso.A)RightB)WrongC)Doesn't52. Peopleareinterestedinliabilitiesonthebalancesheetbecauseitisrelativelyliquid.A)RightB)wrongC)Doesn'tsayPassage2Whereasthemoneymarketsprovideveryshort-termloans,thecapital

21、markettakesaccountofmediumandlong-termloans.Itservestheneedsofindustryandcommerce,governmentandlocalauthorities.Privatesectorfirmsborrowtheirworkingcapital(currentassetsminuscurrentliabilities)fromthemoneymarket,whichusedtobemainlyviacommercialbanks;theroleofbanksasmiddlemenhasnowdiminished,evenfort

22、heworkingcapitalrequirements.Privatesectorfirmsraisetheirfixedcapitalbytheissueofsharesorcommercialpaperbonds.Governmentandlocalauthoritiesborrowmediumandlong-termcapitalbyissuinggilt-edgedstocksandbands.Themainmarketplaceforlendingandborrowingmediumandlong-termcapitalintheUKistheStockExchangeinLond

23、on.53. Anindustrialcorporatecanmeetitsfinancialneedsbyseekingfundsfromthecapitalmarkets.A)RightB)wrongC)Doesn'tsay54. Nowadaysaprivatebusinessusuallyobtainsitsworkingcapitalthroughacommercialbank.A)RightB)wrongC)Doesn'tsay55. IntheUKcommercialbanksoftenraisefundsbyissuingbandsandstocks.A)Rig

24、htB)wrongC)Doesn'tsayPassage3Acommercialbankshallformulateitsbusinessrules,establishandimproveitsbusinessmanagement,thesystemofcashcontrolanditssecuritysysteminaccordancewiththestipulationsofthePeople'sBankofChina.Acommercialbankshallestablishandimproveitssystemsofexaminingandcheckingdeposit

25、s,loanssettlementsandbadanddoubtfulaccounts.ThePBCcanexerciseexaminationofacommercialbankatanytimeinaccordancewiththerelevantprovisions.Thepersonnelinchargeoftheexaminationandsupervisionshouldproducetheirlegitimateatthetimeofconductingexaminationandsupervision.Acommercialbankshallprovidefinancialacc

26、ountinginformation,businesscontractsandotherinformationaboutitsbusinessandmanagementattherequestofthePeople'sBankofChina.Acommercialbankissubjecttotheauditcontrolbytheauditingauthoritiesinaccordancewiththeauditlawandregulations.57. ThePBCcanexerciseexaminationofacommercialbankatanytime.A)RightB)

27、wrongC)Doesn'tsay58. Acommercialbankshallestablishandimproveitssystemofinternalcontrolaccordingtolaw.A)RightB)wrongC)Doesn'tsay59. AmemberstaffofthePBCshouldpresenthislegitimatecertificateforon-siteexamination.A)RightB)wrongC)Doesn'tsay60. Theauditingauthoritiescannotexercisetheauditcont

28、roloveracommercialbank.A)RightB)wrongC)Doesn'tsay1. off-shorebankingA)離岸銀行業務B)國際銀行業務C)結算業務2. capitaladequacyratioA)資本充足率B)資本利潤率C)資金利用率3. moralhazardA)信息不對稱B)逆向選擇C)道德風險4. structuralimprovementA）結構失調B）結構優化C）結構調整5. commercialbankA）中央銀行B）商業銀行C）投資銀行6. dividendA）匯率B）利率C）紅利7. legalreservesrequirementA）

29、再貼現率B）法定存款準備金C）公開市場業務8. compoundinterestA）復利B）單利C）本金9. balance sheetA ）利潤表 10. average costA）固定成本11. monetary marketA ）資本市場 12. common stockA ）普通股13. liquidityA ）風險性 14. bear marketA ）牛市 15. brokerA ）經紀人16. futureA ）期貨 17. life insuranceA）財產保險18. depositA ）擠兌 19. financial crisisA）金融風險20. inflationA

30、）通貨膨脹B ）現金流量表B ）邊際成本B）票據市場B ）優先股B ）贏利性B ）熊市B ）經濟人B ）期權C ）資產負債表C ）平均成本C ）貨幣市場C ）債券C ）流動性C ）套利C ）承銷商C ）互換C ）貸款C ）滯脹B）人壽保險C ）海上保險B ）存款B ）金融監管C ）金融危機B）通貨緊縮21. TheBankofChinahasbeenrecognizedastheAAAbankbyaJapanesecreditAgencythatisveryauthoritativeininternationalfinancialcommunity.A）evaluatingB）assessin

31、gC）appraisalD）rating22. Owingtohisgoodreputation,Mr.WhitecanbuythingsinnearbyshopA）withoutmoneyB）oncreditC）forlockofmoneyD）atorder23. Foradepositof$1000attheannualinterestrateof5%,onemayreceiveatotalof$1050onmaturityforhisandinterest.A)originalB)stakeC)principalD)deposit24. Ifwemeantolearnforeignadv

32、ancedtechnologyandmanagementintheoperation,we'dbetterestablishajointwithforeignfirmratherthanworkonyourown.A)businessB)corporationC)firmD)venture25. Ifyouhaveadraftandisbadlyinneedofmoneybeforematurityofpayment,youmaysellitatforcashtothebankorothersatthecommercialpapermarket.A)discountB)premiumC

33、)depreciationD)expense26. Wehavetoclosedownthebranchbankinthatregioninthatitsisfarfromcoveringtheexpensesincurred.A)currencyB)depositC)reservesD)earnings27. Whatfunctionismoneyservingwhenyoubuyatickettoamovie?.A) storeofvalueB) amediumofexchangeC) transactiondemandD) aunitofaccount28. Thepriceintheforeignexchangemarketiscalled.A)thetradesurplusB)theexchangerateC)themoneypriceD)thecurrencyrate29. What'stheinterestrateona20-yearmortgageloan?30. Althoughcapitalmarketdevelopmentisexpectedtospeedup,banksinChina,whichcurrentlyprovideabout75percento