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1、金融英语考试密押资料现代金融业务(综合)模拟4金融英语考试密押资料现代金融业务(综合)模拟4现代金融业务(综合)模拟4Part One ListeningSection One Directions: 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 m
2、arked A, B, C and D, and decide which is the best answer. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center. (如需获取本MP3听力录音请搜索标题名) 1.A.If the time period of the loan is one year, the simple interest and compound interest are the same.B.If the time period of
3、the loan is the same, the simple interest and compound interest are the same.C.When the full principal plus interest is paid together, compound interest and simple interest are of the same dollar amount.D.When the full principal plus interest is paid together, compound interest and simple interest a
4、re not of the same dollar amount.答案:A解析For one full year when the full principal plus interest is paid together, compound interest and simple interest yield the same dollar amount.单句意思为“当本金和利息整整一年才一起支付时，复利计息和单利计息的数额一样”。2.A.Commercial banks mainly provide short-term loans for the capital market.B.The
5、 capital market mainly depends on the acquired deposits and the funds from other channels.C.Short-term loans are mainly from the acquired deposits and the funds from other channels.D.Commercial banks mainly depend on the capital market for deposits and the funds.答案:A解析Commercial banks are mainly to
6、provide short-term loans for the capital market with the acquired deposits and the funds from other channels.单句意思为“商业银行主要是利用其所拥有的存款及通过其他渠道获得的资金来源为资本市场提供短期贷款。”3.A.Back-to-back credit.B.Reciprocal credit.C.Documentary credit.D.Stand-by credit.答案:D解析What is it called if a letter of credit is issued for
7、 guarantee of performance rather than payment?单句问的是“为了确保履行协议而非真正付款的信用证称为什么信用证?”，答案应为stand-by credit，即备用信用证。back-to-back credit背对背信用证。reciprocal credit互惠信用证。documentary credit跟单信用证。4.A.The bank makes profits only from its own money.B.The bank makes profits from not only the deposits but also its own
8、money.C.The bank has special obligation to make profits.D.The bank makes profits by having special obligations to depositors.答案:B解析The bank has special obligation to depositors, because it makes profits from their money as well as its own.单句意思为“银行对于存款人担有特殊的义务，因为它的收益部分来自存款，部分来自自身的资本金。”5.A.Depositors
9、are usually full of confidence, but not the creditors.B.Banks should maintain the confidence of depositors and creditors.C.The nature of banks business particularly damages their reputation.D.Maintaining the confidence of depositors, creditors and the general marketplace particularly damages banks r
10、eputation.答案:B解析Reputation risk is particularly damaging for banks since the nature of their business requires maintaining the confidence of depositors, creditors and the general marketplace.单句意思为“由于银行自身的经营特点，银行需要存款人、债权人和一般市场对银行维持信任。如果遭遇信誉风险，银行将受到毁灭性的打击。” (如需获取本MP3听力录音请搜索标题名) 6.A.If both the drawer
11、and drawee of an instrument are the same person, the instrument may be treated as a promissory note.B.In any case, the holder can treat the instrument as a bill of exchange or a promissory note.C.If both the drawer and drawee of an instrument are the same person, the instrument can only he treated a
12、s a promissory note.D.When the drawer and drawee of a bill are the same person, the holder may treat the instrument neither as a bill of exchange nor as a promissory note.答案:A解析When the drawer and drawee of a bill are the same person, the holder may treat the instrument either as a bill of exchange
13、or as a promissory note.单句意思为“当出票人和付款人是同一人时，持票人可把此票当成汇票。”7.A.The payees signature can make the endorsement valid.B.The drawers duly authorized agent can make the endorsement valid.C.The payers signature can make the endorsement valid.D.The drawees duly authorized agent can make the endorsement valid
14、.答案:A解析The signature of the payee or of his duly authorized agent is essential to the validity of an endorsement.单句意思为“收款人或是收款人委托的代理行的签名能证实背书的有效性。”8.A.You have to deposit your money once a month.B.You can use your money at any time you need it.C.Your money is immediately run out.D.Your money can imm
15、ediately make more money.答案:B解析With a current account, your money is immediately available.单句意思为“开立一个活期账户，你可以随时取钱。”9.A.The credit card can be used at any shop without paying cash.B.The credit card can he used at any appointed shop together with cash.C.The credit card can be used at any appointed shop without paying cash.D.The credit card can be used to withdraw any amount of cash.答案:C解析The holder of credit card can buy goods against the card at any shop that has joined the scheme without cash.单句意思为“此信用证的持有者可以在任何一家加盟的商店用此卡购物而无需用现金。”10.A.Our company prefers an L/C t
