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1、2023年甘肃金融英语(FECT)考试真题卷本卷共分为1大题32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32题，每题2分。每题的备选项中，只有一个最符合题意） 1.To date, there have been no _ on loans made by the World Bank.AfraudBcheatCmistakesDdefaults 2.The buyer has to pay the seller fully in advance in this ease.AA. RightBB. WrongCC. Doesnt say 3.The seller
2、 can deal with the funds before the shipment of the goods through cash in advance.AA. RightBB. WrongCC. Doesnt say 4.Alternatively, _ may lead to call for protection against foreign imports or capital controls to defend the exchange rate.AdebtsBloansCregulationDdeficits 5.The beneficiary will have t
3、o comply with excessive details requested by the bank.AA. RightBB. WrongCC. Doesnt say 6.The applicants sometimes provide short - term loans to the beneficiary.AA. RightBB. WrongCC. Doesnt say 7.Internet banking obscures the service boundaries of banks and therefore reduces the risks.AA. RightBB. Wr
4、ongCC. Doesnt say 8.Rough information is required to be contained by the applicants in the documentary credit.AA. RightBB. WrongCC. Doesnt say 9.With the advent of Web- based commerce, start - ups are not a threat to other companies.AA. RightBB. WrongCC. Doesnt say 10.Cash in advance applies when th
5、e manufacturing process or services delivered are labor intensive.AA. RightBB. WrongCC. Doesnt say 11.The worlds of banking have been made more complicated and uncertain because of the internet as an increasingly important commercial tool.AA. RightBB. WrongCC. Doesnt say 12.Internet banking can save
6、 banks resources of human power and capital.AA. RightBB. WrongCC. Doesnt say 13.Why is flexibility needed in selecting modes of open market transactionsATo improve the settlement and clearing system.BTo enhance the role of open market in guiding short - term interest rates.CTo optimize the timing an
7、d scale of open market transactions.DTo increase transaction frequency. 14.In sequencing of interest rate liberalization _.Alocal currency interest rate policies will be reformed before those governing foreign currency rates.Brural rate policies are reformed following those for urban financial insti
8、tutions.Cbank lending rates arc reformed ahead of deposit rates.DAll of the above. 15.While expanding the scope of bills eligible for discount, the ceiling on discount interest rate will be, gradually increased in support of the market - based interest rate reform.AA. RightBB. WrongCC. Doesnt say 16
9、.In what way do banks act as market - makers in foreign exchange marketsABy buying foreign currencies.BBy quoting exchange rates to customers.CBy avoiding the risks of the market.DBoth A and B 17.There will be no control over retail deposit interest rates and a flexible management of large amount de
10、posit interest rates.AA. RightBB. WrongCC. Doesnt say 18.How many forms of interest rate risk were mentionedA5B3C2D4 19.Excessive interest rate risk impacts _.Athe earnings of a bank.Beconomic value of a banks assets.Ccapital base of a bank.DAll of the above. 20.What will be introduced to improve th
11、e basis for the required reservesAThe role of rediscount.BThe role of market adjustment.CThe concept of average balance.DIndirect policy instruments. 21.Running open foreign exchange positions is _, especially during periods of instability in exchange rates.Aof law riskBof high riskCof no riskDvisib
12、le 22.Repricing risk comes from _.Achanges in the slope and shape of the yield curve.Bthe express or implied options imbedded in many bank assets, liabilities and off- balance sheet portfolio.Ctiming differences in the maturity and repricing of bank assets, liabilities and off- balance sheet positio
13、ns.DNone of the above. 23.What does liquidity squeeze meanAThere is enough available cash.BThere is a shortage of cash and liquid assets.CLiquid asset can be obtained from different sources.DBanks dont have to worry. 24.How may banks provide for liquidityABy reserving cash.BBy stopping borrowing mon
14、ey.CBy drawing new deposits.DBoth A and C 25.Why is it necessary for banks to maintain adequate liquidityATo meet the demand for withdrawals from deposits.BTo fulfill promises to lend at a specific time.CTo prepare for inter- bank settlements.DAll of the above. 26.The higher the level of liquidity a
15、 bank maintains, the more, profit the bank can gain.AA. RightBB. WrongCC. Doesnt say 27.What is the minimum liquidity ratio a bank is required to haveA25 % per year.B25 % in each calendar month.Cthe stun of liquefiable assets and qualifying liabilities.Dunspecified. 28.To prevent money laundering, _
16、.Abanks need an effective audit.Bbanks need to focus mi know- your- customer policies.Cbanks need to detect and report suspicious transactions.DBoth B and C 29.To a banking organization, effective risk management and internal control can help ensure _.Athat the bank will achieve long- term profitabi
17、lity targets.Bthat the risks are identified and under control.Cthat the bank will comply with relevant laws and regulations.DAll of the above. 30.The function of an effective and it is _.Ato decrease the risk of unexpected losses or damage to the banks reputations.Bto help file bank achieve long - t
18、erm profitability targets.Cto independently assess the adequacy, operational effectiveness and efficiency of the control systems within an organization.DAll of the above. 31.Which of the following is not correctAInternal controls must be supported by an effective audit function.BIn case of internal
19、control weakness identified by auditors, management needs to take appropriate corrective action.CBanking supervisors must ensure that banks only observe banking laws and regulations.DSound internal controls and strong risk management practices are critical for the safe and sound operation of banking organizations. 32.Internal control consists of _.Amanagement control.Brisk identification.Ccorrection of deficiencies.DAll of the above.