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1、2021金融英语考试真题卷本卷共分为1大题35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35题，每题2分。每题的备选项中，只有一个最符合题意） 1.Government - to - government bilateral loans are generally in the form of grants or credits with very low interest rates and long maturities. The closest meaning of bilateral is _ A. bilingual B. bilabial C. a d
2、ouble side D. biped 2.The international payments system of the buyer's country is not being hampered by exchange controls. The word hamper means _ A. hinder B. put off C. postpone D. hold up 3.If the components _ delivered earlier we might have been able to start work on time. A. might have been
3、 B. were C. had been D. were to 4.The number of orders went up _ we increased our prices by 15%. A. when B. although C. because D. since 5.When a commercial bank which was established _ is found to have its ratios of assets and liabilities at variance with the stipulations within a designated time l
4、imit. A. superior to the promulgating of this law B. inferior to the promulgation of this law C. priority to the promulgation of this law D. prior to the promulgation of this law 6.The People's Bank of China shall _ and exercise supervision and control over the financial industry under the leade
5、rship of the State Council. A. formulate and implement monetary policies B. invent and use monetary policies C. provide and harness monetary policies D. create and apply monetary policies 7.Owners' equity is measured by subtracting liabilities from assets. This sentence can be described as the f
6、ollowing equation _ A. ASSETS - LIABILITIES + OWNER'S EQUITY B. ASSETS - LIABILITIES = OWNER'S EQUITY C. OWNER'S EQUITY = ASSETS + LIABILITIES D. OWNER'S EQUITY = LIABILITIES - ASSETS 8._ are assets that are expected to be converted to cash, sold, or consumed during the next 12 month
7、s or within the business's normal operating cycle if longer than a year. A. Long - term assets B. Long - term liabilities C. Current liabilities D. Current assets 9.The interdependence between China's economy and the world economy _ significantly. A. deeped B. deepened C. dependent D. depend
8、s 10.Securities subject to mortgage are _ A. deeds, fire policies, and stocks and shares and other chooses in action B. title deeds, fire policies, and equities and other chooses in action C. title deeds, life policies, and stocks and shares and other chooses in action D. title deeds, life policies,
9、 and equities and other chooses in action 11.Financial markets can be classified as _ A. debt and equity markets B. primary and secondary markets C. money and capital markets D. all of tile above 12.The primary source of funds of fire and casualty insurance companies includes _ A. savings deposits B
10、. premiums from policies C. commercial paper, stocks and bonds D. all of the above 13.Another name for junk bonds is _ A. high- yield securities B. non- investment grade securities C. speculative investment securities D. any of the above 14.What does IPO stand for? A. Initial Pact Organization B. In
11、itial Public Offering C. International Public Offering D. Intellectual Property Organization 15.A repurchase agreement is a transaction in which _ A. a lender agrees to buy back securities at a specified future date at a predetermined price B. a borrower agrees to buy back securities at a specified
12、future date at a predetermined price C. a borrower agrees to sell back securities at a specified future date at a predetermined price D. none of the above 16.These are four main methods of securing payment in international trade: (1) payment under documentary credit (2) open account (3) collection,
13、that is document against payment or acceptance of a bill of exchange (4) payment in advance From an exporter's point of view, the order of preference is _. A. (4), (2), (3), (1) B. (4), (3), (1), (2) C. (4), (1), (3), (2) D. (2), (4), (1), (3) 17.International payments and other messages are oft
14、en sent through an international computer network called _ A. CHAPS B. SWIFT C. BACS D. EIMT 18.A check payable to Johnson is endorsed by him pay Parry Smith only What type of endorsement is this? A. Blank B. General C. Restrictive D. Special 19.In a syndicated loan, _ handles the negotiations with
15、the borrower, prepares the relevant documentation and disburses the full amount of the loan to the borrower. A. the lead bankB. the accounting bank C. the participating bank D. the agent bank 20.Which of the following statements is false? _ A. To increase cash, debit the account B. To increase reven
16、ue, credit the account C. To decrease a receivable, debit the account D. To increase a receivable, debit the account 21.By purchasing government securities commercial banks are _ A. borrowing from the government B. acquiring earning assets C. making a loan to the government D. both B and C 22.A life
17、 insurance policy that has a constant premium through the life of the policy is called a _ A. term life policy B. whole life policy C. universal life policy D. fixed -rate life policy 23.Which of the following is not the distinction between bonds and stocks? A. Bonds are debt whereas stocks are equi
18、ty. B. The bondholder does not share in the profits if a company does well, while the shareholder does. C. A sock's price fluctuates while that of a bond is fixed. D. In the case of bankruptcy, a bondholder will get paid before a shareholder does. 24.ABC company is the beneficiary of a confirmed
19、 irrevocable letter of credit. bank (s) will assure the company that it will be paid. A. One B. Two C. Three D. None 25.Under FOB terms the bill of lading would state goods _ A. loaded on board, freight paid B. loaded on board, freight payable at destination C. received for shipment, freight paid D.
20、 received for shipment, freight payable at destination 26.Which of the following is not true of forfaiting? _ A. Forfaiting is a form of trade finance with recourse B. Forfaiting is the act of purchasing an exporter's receivables (the amount the importer owes the exporter) at a discount by payin
21、g cash C. The forfeiter takes over the buyer risk D. The purchase is usually guaranteed by a bank in the buyer's country 27.Market risk refers to the risk of _ A. default B. financial prices fluctuation C. fraud D. deferred payment 28.Which of the following is true of a mortgage? _ A. The mortga
22、gee retains possession of the mortgaged property B. The mortgagor retains possession of the mortgaged property C. The lender acquires the right to retain the mortgaged property until the mortgage debt is repaid D. None of the above 29.Which of the following is usually least important as a measure of
23、 short - term liquidity? _ A. Quick ratio B. Current ratio C. Debt ratio D. Cash flows from operating activities 30.Which of the following statements is true? _ A. To decrease a receivable, debit the account B. To decrease revenue, debit the account C. To increase owner's equity, debit the accou
24、nt D. To increase an expense account, credit the account 31.Investment banks are _ A. banks that specialize in the management of wealthy people's investments B. financial institutions that make loans to corporations C. dealers in primary markets D. none of the above 32.What is the name of the do
25、cument which can make a buyer feel confident that goods are of a certain standard? _ A. Certificate of origin B. Commercial invoice C. Insurance policy D. Inspection certificate 33.In documentary collection, the exporters present the documents to _ after goods have been shipped. A. the remitting ban
26、k B. the collecting bank C. the reimbursing bank D. the opening bank 34.John writes a check on his ABC Bank account to pay for goods at Peter. Who is the drawee? A. John B. ABC Bank C. Peter D. Both A and C 35.From a Chinese bank's point of view, the currency account which it maintains abroad is
27、 known as _, while a RMB account operated in China for a foreign bank is termed A. a vostro account.a nostro account B. a nostro account.a vostro account C. a mirror account.a nostro account D. a vostro account.a mirror account第10页 共10页第 10 页 共 10 页第 10 页 共 10 页第 10 页 共 10 页第 10 页 共 10 页第 10 页 共 10 页第 10 页 共 10 页第 10 页 共 10 页第 10 页 共 10 页第 10 页 共 10 页第 10 页 共 10 页