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1、2023年金融英语考试考前冲刺卷本卷共分为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.An account that two or more people hold is a _ A. joint account B. term -deposit account C. savings account 2.In order to withdraw money the bank requires your _ A. depositor B. interest C. signature 3.The ba
2、nk records all transactions of an account in the customer's _ A. withdrawal slip B. assets C. passbook 4.Many banks work with so many different customers and accounts that they need _ to record all transactions. A. deposit slips B. computers C. parties 5.You have to _ your check in order to cash
3、 it. A. withdraw B. endorse C. accommodate 6.The bank charges a _ to cover the cost of bookkeeping. A. payee B. transaction C. fee 7.I wrote a check for more money than I have in my account. I'm afraid I'm _ A. overdrawn B. insufficient funds C. minimum balance 8.The monthly statement gives
4、you a record of all the _ of your checking account. A. subtracted B. negotiable C. transactions 9.A check that can be signed over to a third party is _ A. subtracted B. negotiable C. overdrawn 10.You are allowed to write up to ten checks without a service charge.That's all? You mean ten checks i
5、s the _? A. balance B. maximum C. minimum11.If you need money I can _ you some. A. pay back B. borrow C. lend 12.When my friend needed a loan he offered the bank his house as _ A. debt B. term C. collateral 13.James has not paid back two loans. He must have a terrible _ A. credit rating B. charge ca
6、rd C. principal 14.If you _ your car loan, the bank will take possession of your car. A. pay off B. default on C. compute 15.In order to calculate the monthly payments on your loan, the bank adds the interest to the _ and divides the total by the number of months. A. tenure B. principal C. charge ac
7、count 16.A mortgage is a type of _ A. supply B. conveyance C. limit 17.He wants to get a loan to _ some improvements in his factory. A. fluctuate B. adjust C. finance 18.Interest rates are high because money is _ A. guaranteed B. variable C. tight 19.They'll never get a mortgage; they're bad
8、 _ A. risks B. mortgages C. finance 20.There will be no change in the interest rate during the _ of the mortgage. A. life B. limit C. title 21.We're paying for the furniture we bought in monthly _ A. installments B. budgets C. credit bureau 22.The bank uses a _ to find out how prospective borrow
9、ers repaid their past debts. A. profile B. loan agreement C. credit bureau 23.Mr. Harris's application for a loan was approved because he is _ A. creditworthy B. on time C. capacity 24.Because the borrower defaulted on his repayment of the loan, the bank will hold the _ responsible. A. reporting
10、 agency B. co-signer C. budget 25.Lisa and Frank Edwards developed a _ of monthly expenses to see how much money they would have left over to make loan payments on a refrigerator. A. data B. profile C. consumer credit 26.She _ 10 000 to charity in her will. A. audited B. settled C. bequeathed 27.You
11、 have to pay high _ on an estate. A. trust funds B. taxes C. returns 28.The _ will distribute the property of the deceased according to his last will and testament. A. heir B. executor C. returns 29.In the U. S. , people must fill out their tax _ by April 15. A. returns B. appraisals C. bequests 30.
12、My lawyer will _ my will. A. draw up B. name as C. probate 31.The spot rate of United States dollars is 1.591.60; the three month premium is 0.500.45 cents. What is the rate at which a UK bank would buy dollars under a three -month fixed forward contract? A. 1. 5945 B. 1. 5955 C. 1. 6045 D. 1. 6050
13、32.There are four main methods of securing payment in international trade: (1) payment under documentary credit (2) open account (3) collection that is documents 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
14、 _. A. (1), (2), (3), (4) B. (4), (3), (1), (2) C. (4), (I), (3), (2) D. (2), (4), (1), (3) 33.According to the Commercial Banking Law of our country' the total sum of the working capital to be allocated to all branches shall not exceed _ of the total capital of the commercial bank. A. 50% B. 40
15、% C. 60% D. 70% 34.Under FOB terms the bill of lading would state _ A. goods loaded on board' freight paid B. goods loaded on board' freight payable at destination C. goods received for shipment' freight paid D. goods received for shipment' freight payable at destination 35.From the
16、point of view of a Chinese bank, _ is our bank's account in the books of an overseas bank' denominated in foreign currency. A. a vostro account B. a nostro account C. a mirror account D. a record account 36.You customer asks your bank to handle a colleetion outwards on his behalf. Your bank
17、are _ A. the reimbursing bank B. the negotiating bank C. the remitting bank D. the collecting bank 37.A cheque crossed account payee _ A. can only be accepted for the account of the named payee B. can be accepted for the credit of an account other than that of the named payee provided the collecting
18、 bank makes enquiries C. prevents negotiation of the cheque and, therefore, has the same effect as a notnegotiable crossing D. is an example of a special crossing 38.The following are the basic functions of a bill of lading except to act as _ A. a receipt for the goods from the shipping company to t
19、he exporter B. a certificate of origin, which certifies that the goods were produced in a particular country C. a document of title to goods being shipped overseas D. a quasi negotiable document 39.In extending loans, one of the principles that a commercial bank persists in is _ A. free from interfe
20、rence of local government B. against collateral C. based on sole responsibility to its profits and losses D. in pursuance of the law of the People's Bank of China 40.A cheque payable to ABC Company is credited to the personal account of Mr. Gao. The bank _ A. is correct in crediting the account
21、B. is merely doing what is requested by its customer C. has committed an act of negligence D. will make a claim on its principal 41.Customers trading abroad in foreign currencies may protect against the exchange risk by arranging _ A. a contract of international sale of goods B. a contract of marine
22、 insurance C. a forward contract to fix the exchange rate in advance D. contract for the delivery of goods by installment 42.A company that has the use of a vehicle upon payment of a sum of money on a regular basis over a long period of time is using the finance service of _ A. factoring B. hire pur
23、chase C. leasing D. installment credit 43.A rise in interest rate will cause _ A. an increase in borrowing and a slowing - down of credit creation B. a decrease in borrowing and an increase in credit creation C. an increase in borrowing and an increase in credit creation D. a decrease in borrowing a
24、nd a decrease in credit creation 44.There are three ways in which a banker may take security for an advance: (1) lien (2) by pledge (3) by mortgage (4) by indemnity A. (1), (2), (3) B. (1), (2), (4) C. (2), (3), (4) D. (1), (3), (4) 45.International payments and other messages are often sent through
25、 an international computer network called _ A. CHAPS B. SWIFT C. CHIPS D. CHATS 46.The word finance signifies capital in monetary, that is, _, normally for capital purposes, through financial markets or financial institutions. A. in the way of capitals B. in the form of funds lent or borrowed C. in
26、the method of funds D. on the form of funds lent or borrowed 47.A financial market consists of foreign exchange market, money market, bond market and equity market. The last two markets usually fall into the category of _ A. preferred stock market or liquidation market B. stock market or debt market
27、 C. securities market or capital market D. securities market or liquidation market 48._ relates to the liability of the issuing bank, whereas _ relates to the responsibility of the correspondent bank or other banks. A. Revocable or inrevocable, unconfirmed or confirmed B. Cancelled or cancellate, co
28、nfirmative or confirmed C. Revocable or inrevocable, confirmative or confirmed D. Cancelled or incancelled, unconfirmed or confirmative 49.A documentary collection can be defined as the collection of a sum due from a buyer by a bank _ against delivery of certain documents. A. acting on behalf of a b
29、uyer B. behaving on behalf of an exporter C. acting on behalf of an importer D. acting on behalf of a seller 50.A forward exchange rate can move for two reasons: (1) because the spot rate moves, and (2) _ A. because of changes in interest rate which affect the forward rates B. because of changes in interest rate which affect the forward differential C. for the changes in interest rate affect the forward rates D. because of changes in interest rate which affect the spot rates