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1、2022河北金融英语考试模拟卷（6）本卷共分为1大题50小题，作答时间为180分钟，总分100分，60分及格。一、单项选择题（共50题，每题2分。每题的备选项中，只有一个最符合题意） 1.BPassage Two/B Commercial paper may either be dealer placed or directly placed. If it is dealer placed, the U (61) /U sells its promissory notes to one of the ten-regular commercial paper dealers, which, in
2、 turn, sells it to others. If commercial paper is directly placed, the issuing corporation sells its notes directly in the market, without the intermediation of the U (62) /U . This is the method used primarily by sales-finance companies because they U (63) /U in the market on a virtually continuous
3、 basis. Sales-finance companies are companies that supply the credit for the installment purchase of major U (64) /U items, for example, automobiles, refrigerators, and television sets. These companies find the commercial paper U (65) /U particularly well suited to their needs since it enables them
4、to adjust to swings in demand for installment purchases. AmerchantBcompanyCmiddleman dealerDbank 2.BPassage Two/B A major type of risk that banks face is credit risk or the failure of a counter-party to perform according to a contractual arrangement. This risk applies not only to loans but also to o
5、ther on-and-off balance sheet exposures such as guarantees, acceptances and securities investments. Serious banking problems have arisen from the failure of banks to recognize impaired assets, to create reserves for writing off these assets, and to suspend recognition of interest income when appropr
6、iate.Reserves for writing off impaired assets are unnecessary. AA. RightBB. WrongCC. Doesnt say 3. Directions: Read the following passages and determine whether the sentences are Right or Wrong. If there is not enough information to answer Right or Wrong, choose Doesnt say. BPassage One/B Commercial
7、 banks that supply services to other commercial banks are called correspondent banks. The correspondent banks are paid indirectly, in the form of income from deposit balances maintained by its bank customers, as well as by direct money payments. Small banks may have 5 or 6 correspondent banks, which
8、 provide many services: bookkeeping services (especially those that require large computers); assistance in the sale or purchase of assets (including the consolidation of purchases with other buyers); and the provision of information about capital markets (including the sale of equity shares in thei
9、r banks). Large banks may have as many as 30 correspondent banks that provide services and representation in other localities (including foreign countries) and specialized services that the correspondents can offer at a smaller cost. Until 1981 the Federal Reserve had provided free check-clearing fa
10、cilities to its members, but nonmember banks relied entirely on correspondent banks to clear their checks. The correspondent banks often clear nonmember banks checks through the Federal Reserve. In 1979, the Federal Reserve cleared 32 billion checks, totaling $ 35 trillion. The total amount of cheek
11、s debited against all insured banks in October 1982 was $ 93.5 trillion, of which 42 percent was from New York banks. Private clearing houses owned by groups of banks handled a large amount and so did the Federal Reserve, which began charging for that service.The Federal Reserve has been providing f
12、ree check-clearing facilities to all the banks. AA. RightBB. WrongCC. Doesnt say 4.BPassage Two/B Commercial paper may either be dealer placed or directly placed. If it is dealer placed, the U (61) /U sells its promissory notes to one of the ten-regular commercial paper dealers, which, in turn, sell
13、s it to others. If commercial paper is directly placed, the issuing corporation sells its notes directly in the market, without the intermediation of the U (62) /U . This is the method used primarily by sales-finance companies because they U (63) /U in the market on a virtually continuous basis. Sal
14、es-finance companies are companies that supply the credit for the installment purchase of major U (64) /U items, for example, automobiles, refrigerators, and television sets. These companies find the commercial paper U (65) /U particularly well suited to their needs since it enables them to adjust t
15、o swings in demand for installment purchases. AsellBparticipateCsupplyDissue 5.BPassage Three/B Foreign exchange is by definition foreign to the holder; otherwise, it would be domestic exchange or in modem practice, local currency and legal tender. Foreign exchange typically is not legal tender and
16、is therefore not acceptable in exchange for goods and services to whom it is being offered; hence, the desire to exchange it into something closer to home in terms of acceptability. Foreign exchange markets are nearly always markets that convert issues of foreign money for local units. The New York
17、foreign exchange market, for example, is essentially a market for exchange foreign currencies against the US dollar. It is possible in New York to exchange French francs for Swedish kronor, but the normal practice would be to sell French francs for U.S. as a first step and then to sell US dollars an
18、d buy Swedish kronor as a second step in order to complete the transaction. Markets in other countries would be similar in structure and mechanical operation.The New York foreign exchange market is a market for exchanging foreign currencies against any convertible currencies. AA. RightBB. WrongCC. D
19、oesnt say 6. Directions: Read the following passages and determine whether the sentences are Right or Wrong. If there is not enough information to answer Right or Wrong, choose Doesnt say. BPassage One/B Commercial banks that supply services to other commercial banks are called correspondent banks.
20、The correspondent banks are paid indirectly, in the form of income from deposit balances maintained by its bank customers, as well as by direct money payments. Small banks may have 5 or 6 correspondent banks, which provide many services: bookkeeping services (especially those that require large comp
21、uters); assistance in the sale or purchase of assets (including the consolidation of purchases with other buyers); and the provision of information about capital markets (including the sale of equity shares in their banks). Large banks may have as many as 30 correspondent banks that provide services
22、 and representation in other localities (including foreign countries) and specialized services that the correspondents can offer at a smaller cost. Until 1981 the Federal Reserve had provided free check-clearing facilities to its members, but nonmember banks relied entirely on correspondent banks to
23、 clear their checks. The correspondent banks often clear nonmember banks checks through the Federal Reserve. In 1979, the Federal Reserve cleared 32 billion checks, totaling $ 35 trillion. The total amount of cheeks debited against all insured banks in October 1982 was $ 93.5 trillion, of which 42 p
24、ercent was from New York banks. Private clearing houses owned by groups of banks handled a large amount and so did the Federal Reserve, which began charging for that service.The amount of checks debited against New York banks in October 1982 was 39.27 trillion, which was 42% of the aggregate amount
25、of checks of all the insured banks that month. AA. RightBB. WrongCC. Doesnt say 7.BPassage Two/B Commercial paper may either be dealer placed or directly placed. If it is dealer placed, the U (61) /U sells its promissory notes to one of the ten-regular commercial paper dealers, which, in turn, sells
26、 it to others. If commercial paper is directly placed, the issuing corporation sells its notes directly in the market, without the intermediation of the U (62) /U . This is the method used primarily by sales-finance companies because they U (63) /U in the market on a virtually continuous basis. Sale
27、s-finance companies are companies that supply the credit for the installment purchase of major U (64) /U items, for example, automobiles, refrigerators, and television sets. These companies find the commercial paper U (65) /U particularly well suited to their needs since it enables them to adjust to
28、 swings in demand for installment purchases. AcapitalBimportedCexportedDconsumer 8.BPassage Two/B Commercial paper may either be dealer placed or directly placed. If it is dealer placed, the U (61) /U sells its promissory notes to one of the ten-regular commercial paper dealers, which, in turn, sell
29、s it to others. If commercial paper is directly placed, the issuing corporation sells its notes directly in the market, without the intermediation of the U (62) /U . This is the method used primarily by sales-finance companies because they U (63) /U in the market on a virtually continuous basis. Sal
30、es-finance companies are companies that supply the credit for the installment purchase of major U (64) /U items, for example, automobiles, refrigerators, and television sets. These companies find the commercial paper U (65) /U particularly well suited to their needs since it enables them to adjust t
31、o swings in demand for installment purchases. AnotesBmarketCdealersDissuers 9.BSection One/B 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 answe
32、rs marked A, B, C and D, and decide which is the best answer. ACredit card holders will state if they dont buy anything.BCredit card holders will receive their statements from the bank every month.CCredit card holders can charge purchases to their bank accounts.DCredit card holders have to make purc
33、hases every month. 10.BSection One/B 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 marked A, B, C and D, and decide which is the best an
34、swer. AThe foreign banks should have set up a representative office.BThe foreign banks cant apply for a branch.CThe foreign banks cant expand business in China.DThe foreign banks are forbidden to set up a representative office. 11.BSection One/B Directions: In this section, you will hear ten short s
35、tatements. 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. AYou can have the check encashed now.BYou will have the money in one or two days.CYou
36、 can not have the check encashed.DYou have to wait for the payment till the maturity. 12.BSection One/B 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 sugg
37、ested answers marked A, B, C and D, and decide which is the best answer. AInterest rate risk is a normal part of banking operations.BInterest rate risk is a terrible threat to banking operations.CA banks earnings and capital base is a normal part of banking.DA banks earnings and capital base can pos
38、e a significant threat to banking. 13.BSection One/B 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 marked A, B, C and D, and decide whic
39、h is the best answer. AThey usually hold savings accounts.BThey have current accounts.CThey specialize in long-term savings accounts and mortgages.DThey deal in short-term savings accounts. 14.AThe performance of a company.BThe financial statements.CThe detailed information.DAn extensive annual repo
40、rt. 15. Directions: In this section, you will hear ten short conversations. At the end of each conversation, a question will be asked about what was said. The conversation and question will be spoken only once. During the pause, you must read the four choices marked A, B, C, D, and decide which is t
41、he best answer. AThus she can know the most appropriate investment and the best time of investment.BThus she can earn a lot of money.CThus she can help others.DThus she can know about how much money she has. 16.BSection One/B Directions: There are three passages in this section. Each passage is foll
42、owed by some questions or unfinished statements. For each of them, there are four choices marked A, B, C and D. Passage 1 Larger banks in large cities often specialize in particular ancillary services in addition to the bank deposit services they supply. They may have foreign branches in order to pr
43、ovide banking services in particular foreign countries. Large banks may sell consumer credit card services; that is, they allow individual banks to join their credit card network. They may be brokers in the federal funds markets, a market for short-term loans in which commercial banks participate. B
44、anks may specialize in handling trust agreements. Large banks often provide many of these services for their depositors as well as selling these ancillary services to other banks. This provision of services to other banks is called correspondent banking. The degree of competition in the market for b
45、anking services may be related to the number of depository intermediaries in a particular locality. If there is one commercial bank and no thrifts in a small town in a remote area, most of the residents may deposit their funds in the local bank. If there are no financial intermediaries offering simi
46、lar services, such as business loans, the local bank supplies most of these loans. In most areas, other financial intermediaries and nearby banks compete for loan business. Larger loans made to larger local businesses may not be supplied solely by banks in the local area. Unlike the cost of transporting physical property, the cost of transporting money by check is negligible. The capital market, the market for borrowing funds, cannot easily be subdivided by geographical areas. This consideration makes the measurement of competition for large-loan business in a given geographical area a diffi