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【关键字】英语外国语学院学生主要外语水平及职业资格证书考试汇总一、国外留学英语水平考试（5）1.TOEFL(Test of English as a Foreign Language) 是由教育测验服务社（ETS）举办的英语能力考试，全名为“检定非英语为母语者的英语能力考试”，中文音译为“托福”。
新托福满分是120分。
TOEFL考试的有效期为两年，从考试日期开始计算。
2.IELTS（International English Language Testing System，中文名为国际英语语言尝试系统）是由英国文化协会（The British Council，即英国驻华大使馆/总领事馆文化教育处）、剑桥大学考试委员会（CESOL）和澳大利亚教育国际开发署（IDP Australia）共同举办的国际英语水平尝试。
此项考试是为申请赴英语国家（美国、、、、等）、的非英语国家学生而设，用来评定考生运用英语的能力。
GRE，全称Graduate Record Examination,中文名称为美国研究生入学考试，适用于除法律与商业外的各专业。
由美国教育考试服务处(Educational Testing Service，简称ETS)主办，GRE是美国、加拿大的大学各类研究生院（除管理类学院，法学院）要求申请者所必须具备的一个考试成绩，也是教授对申请者是否授予奖学金所依据的最重要的标准。
3.GMAT 是Graduate Management Admission Test的缩写，中文名称为经企管理。
GMAT的主办方GMAC(Graduate Management Admission Council，是总部位于美国的一个非营利性教育协会)，其成员包括世界各地许多知名的商学院，所以GMAT成绩获得全球各大商学院的普遍认可，是目前世界范围内申请攻读MBA时最被普遍要求申请者所提供的一个考试成绩。
它是一种标准化考试，目前已经被广泛地用做的入学考试，是当前最为可靠的尝试考生是否具备顺利完成工商管理硕士项目学习能力的考试项目，专门帮助各商学院或工商管理硕士项目评估申请人是否具备在工商管理方面继续深造学习的资格。
金融考研英语二真题答案一、阅读理解Passage 11. C2. B3. APassage 24. D5. A6. CPassage 37. A 8. D 9. B二、完形填空10. C 11. D 12. B 13. B 14. C15. A 16. D 17. B 18. C 19. A20. D 21. C 22. A 23. B 24. D25. A 26. B 27. C 28. D 29. C30. B三、综合阅读填空31. F 32. G 33. D 34. E 35. C36. A 37. H 38. B 39. C 40. F41. G 42. H 43. E 44. D 45. A四、翻译46. 参加这个考试的人数远远超过了预期。
47. 因为她的资历和经验，她被任命为部门经理。
48. 金融市场的波动可能会导致投资者的损失。
49. 这个项目在规定的时间内完成了，这是我们的重要成绩之一。
50. 自从经济危机以来，许多公司都采取了削减开支的措施。
五、作文题目：中国金融市场的发展与挑战随着中国经济的迅速崛起，中国金融市场也经历了快速发展。
然而，在这一过程中，金融市场也面临着一些挑战。
本文将探讨中国金融市场的发展现状以及所面临的主要挑战。
首先，中国金融市场的发展取得了显著的成就。
中国已成为全球第二大经济体，具有庞大的消费市场和潜力巨大的投资机会。
在金融领域，中国的股票市场、债券市场和期货市场迅速增长，并与国际市场融合。
同时，中国还积极推动金融创新，包括在线支付、数字货币等，为经济发展提供了新的动力。
然而，中国金融市场也面临着一些挑战。
首先，金融风险是发展中国金融市场的主要威胁之一。
目前，中国金融市场对外开放程度的提高使得外部冲击因素增加，金融市场波动性加大。
其次，市场监管和风险防范体系仍然不完善，监管能力、监管水平等需要进一步提升。
此外，金融市场的不均衡发展也是一个问题，一些地区和行业相对较弱，与一线城市相比，发展水平还有差距。
2022金融英语证书考试报名金融英语证书考试制度(FinancialEnglihCertificateTet)是1994年经中国人民银行和原国家教委联合发文(银发[1994]107号)批准建立的我国第一个国家级行业性专业外语水平证书考试制度。
旨在通过统一的标准化考试程序和测试标准，为中国金融业提供金融英语水平行业参考标准，测试并认定应试人员的金融英语语言水平及应用能力，促进金融从业人员及相关社会人员不断提高。
2022金融英语证书考试工作还没展开，相关的公告还没公布，敬请期待相关资讯内容的持续更新。
2022年度金融英语证书考试工作的通知金融英语证书考试委员会各委员单位，各省(自治区、直辖市)考试领导小组，深圳、大连、青岛考区：2022年度金融英语证书考试将于2022年10月23日在全国举行。
为确保考试顺利进行，请考委会各委员单位、各考试领导小组及各考区加强领导，周密部署，创新工作思路，认真做好考试组织、宣传、服务工作，现将2022年度金融英语证书考试工作有关事项通知如下：一、考试时间及方式2022年度金融英语证书考试时间定于2022年10月23日上午9:00至11:30。
金融英语证书考试采用机考方式。
二、报名时间2022年度金融英语证书考试报名时间为2022年5月16日0:00-9月30日23:00。
三、报名及缴费方式四、考试地点2022年度金融英语证书考试在全国各省、自治区、直辖市等34个考区的44个省会城市、地级市和具备条件的县市设立预约机考考点(详见附件1)，具体考点根据各考区报名情况进行配置(考区、考点设置及约考相关说明详见附件1)。
五、考试内容及相关教材2、考试内容以金融英语证书考试委员会2022年颁布的《金融英语证书考试大纲》为准。
3、考试涉及的金融理论与业务的内容参阅《金融英语证书考试要点汇总》(随考试教材赠阅)。
六、其他事项2、请考委会各委员单位、各考试领导小组及各考区认真学习《2022年金融英语证书考试公告》做好考试咨询服务工作。
1.adverse selection: The problem created by asymmetric information before a transactionoccurs : the people who are the most undesirable from the other party’s point of view are the ones who are most likely to want to engage in the financial transaction.逆向交易：在交易发生之前与信息不对称引起的问题：从交易对手的视角看最不受欢迎的人是最有可能积极参与金融交易的人。
2.asymmetric information : The inequality of knowledge that each party to a transaction has about the other party.信息不对称：交易各方对彼此情况的掌握程度存在不对等的现象。
3.behavioral finance : The field of study that applies concept from other social sciences,such as anthropology, sociology, and particularly psychology, to understand the behavior of securities prices.行为金融学：该项研究借用其他社会科学的概念，如人类学，社会学，特别是心理学的概念来解释证券价格的表现。
4.credit-rating agencies: Investment advisory firms that rate the quality of corporate and municipal bonds in terms of the probability of default.信用评级机构：一种根据违约概率来划分公司和市政债券质量等级的投资咨询公司。
常熟理工学院2012〜2013学年第二学期20XX 级后续课《金融英语》考查试卷（I 卷）试题总分：Part I Listening Comprehension©' 25=50')Section A Short ConversationsListe n carefully and choose the best an swer to the questi on after each conv ersatio n.1. Which of the following is NOT among the four major commercial banks of China?A. Ba nk of China.B. China Co nstruction Ba nk.C. I ndustrial and Commercial Ba nk of Chi na.D. The People's Bank of Chi na.2. Which of the following is NOT mentioned in the dialog?A. China Mercha nts Ban k.B. I ndustrial Ba nk Co., Ltd.C. China Citic Bank.D. Chi na Min she ng Banking Corp. Ltd. 3. What is the man accord ing to the dialog?A. A bank man ager.B. A clerk of a foreig n bank.C. A uni versity stude nt.D. A teacher from a college.4. Which of the followi ng has the right to decide the preside nt of BOC?A. The shareholders.B. The shareholders' meet ing.C. The Board of Directors.D. The Preside nt Office.5. A. The man lost his checkbooks.B. The man lost his passport.C. The man lost his password.D. The man lost his passbook. 6. A. Hous ing loa n.B. Foreig n curre ncy loa n.C. Dollar loa n.D. Credit loa n. 7. A. Jan uary 24. B. February 31. C. Jan uary 25. D. February 26.8. A. Payme nt by dema nd drafts. B. Payme nt by collectio n.C. Payme nt by letters of credit.D. Payme nt by remitta nee. 9. A. To avoid problems aris ing from in flatio n.B. To preve nt possible fraud.C. To avoid problems aris ing from fluctuati ons of excha nge rate.D. To preve nt overdraw ing. 10. A. In spect ion certificate. B. Certificate of origi n. C. In sura nee policy. D. Bill of ladi ng.Section B Long ConversationListe n to the conv ersati on carefully and choose the best an swer to each of the questio ns below.11. Which of the following statements was mentioned in the magazine The Banker?A. BOC ranked the 9th amo ng the world's top 1,000 banks in 2007.B. BOC is one of the four big commercial banks of China.C. The developme nt of BOC is un believable.D. The top man ageme nt of BOC is young and effective. 12. What are the main sect ions un der the top man ageme nt of BOC?A. Corporate banking sect ion and retail banking sect ion.B. Security sect ion and supervisory sect ion.C. Operati onal sect ion and supervisory sect ion.D. Audit ing sect ion and in spect ion secti on. 13. Which do you think is NOT the duty of the supervisory section?A. Audit ing the ban k's acco un ts.B. Han dli ng gen eral affairs.C. Being resp on sible for the security of the ban k..D. Oversee ing the banking operati on. 14. What is the bus in ess scope of the operati onal secti on?A. Banking bus in ess.B. Gen eral bus in ess.C. Support ing bus in ess.D. All items men ti oned above.15. Which of the followi ng is NOT men ti oned among the bus in esses offered by BOC?A. Retail banking.B. Docume ntary letter of credit.C. On li ne banking or e-ba nking.D. Finan cial advisory service. Section C PassagesDirecti ons: In this sect ion, you will hear three short passages. At the end of each passage, you will hear some questi ons. The passages and the questions will be spoken only once. After you hear a question, you must choose the best answer from the four choices marked A, B, C and D. The n mark the corresp onding letter on the ANSWER SHEET with a si ngle line through the cen ter.Passage One16. A. 1992 B. 1993 C. 1994 D. 199517. A. The People's Bank of China. B. China Foreig n Excha nge Tradi ng Cen ter.C. I nter-ba nk Foreig n Excha nge Market.D. The State Admi nistratio n of Foreig n Excha nge.18. A. 1%0.3% C. 0.5% Passage Two19. A. High risk. B. A type of credit product. 20. A. Collateral loan. B. Educati on loa n.21. A.1952 B.1958 D. 0.4% C. High in terest. D . A ki nd of revolvi ng loa n C. Mortgage loa n. D . Commercial loa n. C.1962 D . 1968C. Public con fide nce in the in surers rema ined low.D. A rise in Tokyo stock helped improve the bala nce sheets of life in surers.Part II. Reading Comprehension (30 ')Section A (1 '*10=10 ')Directions: Each of the following sentences is provided with four choices. Choose the one that best completes the sentence.26. Although the compa ny showed a profit, the bala nce sheet looks in creas in gly .A. brightB. dimC. shallowD. fragile 27. _ money refers to curre ncy issued on the basis of ban k's credit in stead of gold reserve. A. Fair B. Fiduciary C. FixedD. Deposit 28. In creased flows of world capital inten sify finan cial competiti on among n ati ons. This trend places pressures on n ati onal gover nment to their domestic markets and liberalize intern ati onal capital moveme nts.A. removeB. settleC. deregulateD. con trol 29. Many finan cial tran sacti ons are _ sheet items such as in terest rate swaps and are not clearly ide ntified through the usual report ingcha nn els.A. zeroB. capitalC. off-bala nceD. major30. The ban kers _ the steel compa ny's new shares, which means the share issue will be sold to the ban kers in stead of the public directly. A. un derwrite B. un dercharge C. un dertakeD. un derestimate 31. With no in terest rate _ on deposits or restrict ions on maturities, banks can offer any deposit product customers dema nd. A. cutB. ceili ngsC. dema ndD. con tract 32. From ban k's perspective, liabilities have become more in terest elastic, so that small rate cha nges can produce large fluctuati ons in bala nces.A. outsta ndingB. outreach ingC. rema iningD. dema nding33. Checks are attractive because they are readily accepted and provide formal _______________ of payment. A. credit B. verificati onC. clarityD. collectio n 34. Normally, ____ capital loans are secured by accounts receivable or by pledges of inventory and carry a floating interest rate on theamounts actually borrowed aga inst the approved credit line.A. curre ntB. stockC. work ingD. Ion g-term35. Dealers in gover nment and private securities n eed short-term financing to purchase new securities and carry their exist ing portfolios ofsecurities un til those securities are sold to customers or reach ________ .A. bus in essB. marketsC. maturityD. objectiveSection B (2*10=20 * Directi ons: Read the passages and choose the right an swer for each questio n.Passage 1Text ?36. How many types of banks or banking in stitutio ns are men ti oned in the lecture?A. 5.B. 4.C. 52.D. 183.37. Which of the follow ing is NOT a join t-equity commercial bank? A. China Min she ng Ba nki ng Corp. Ltd. B. Bank of East Asia.C. China Citic Bank.D. Bank of Commun icati ons.38. How many bran ches and sub-bra nches have foreig n banks set up in China accord ing to the speaker?A. 264.B. 177.C. 183.D. 235. 39. Which of the follow ing was once ran ked amon gst the top three stron gest banks in Chin a's mainland?A. Chi na In dustrial Ba nk.B. Ba nk of East Asia.C. China Mercha nts Ba nk.D. Sha nghai Pudo ng Developme nt Ban k.40. Which of the following is a wholly foreign-owned bank?A. Chi na Min she ng Ba nki ng Corp., Ltd.B. Chi na Citic Bank.C. Hong Kong & Shan ghai Banking Corporati on Limited.D. China Export & Import Bank.Passage 2Liabilities are "outsider claims ” , whiche economic obligations, debts payable to outsiders. These outside parties are called creditors.Financial statement users such as creditors are interested in the due dates of an entity's liabilities. The sooner a liability must be paid, the more curre nt it is. Liabilities that must be paid on the earliest future date create the greatest stra in on cash. Therefore, the bala nce sheet lists liabilities in the order in which they are due. Knowing how many of a bus in ess's liabilities are curre nt and how many are Ion g-term helps creditors assess the likelihood of collecting from the entity. Balance sheets usually have at least two liability classifications: current liabilities and Iong-term liabilities.Current liabilities are debts that are due to be paid with in one year or with the en tity's operati ng cycle. Notes payable due with in one year, salary 22. A. It is a ki nd of short-term loa n.C. It is supposed to pay back at one time.Passage Three23. A. A rise in Tokyo stock.B. It is also called bridge loa n. D. Its maturity exceeds five years.C. Negative spread.24. A. Rise. B. Fall. 25. A. The value of outsta nding policies went dow n. B. Japa n's life in sura nee firms. D. Japa nese life in surers' difficult situati on.C. Rema in un cha nged.D. Not sure. B. Life in surers' n egative spreads ten ded to grow small.payable, unearned reve nue, and in terest payable owed on no tes payable are curre nt liabilities.Long-term liabilities are those liabilities other than current ones.41. The liabilities are classified as current or Iong-term liabilities according to _ .A. the liquidity of the liabilityB. the future date when the liability must be paidC. the operati ng cycleD. one year42. Liabilities are __ .A. money borrowed from banksB. money received from creditorsC. "outsider claims ” which are economic obligations, debts payable to outsidersD. notes receivable43. Which of the followi ng is current liability?A. cashB. inventoryC. salary payableD. money from the bank44. Which of the following is Iong-term liability?A. debt payable due with 10 yearsB. inven toryC. unearned revenueD. note payable due withi n 6 mon ths45. For a note payable to be paid in in stallme nts with in 5 years, which of the follow ing stateme nts is correct?A. The first installment due within one year is a current liability.B. The first installment due within one year is a Iong-term liability.C. All the in stallme nts due are Ion g-term liabilities.D. All the in stallme nts due are curre nt liabilities.Part ill. Translation (2‘ *=10')Part IV. Writing (10 ')Directions: You are asked to write a report on Bank of China with 120 words to make the brief introduction of BOC s orga ni zati ons and developme nt.。
frm报名条件FRM（金融风险管理师）证书是国际认可的资格认证，由美国金融风险管理协会（Global Association of Risk Professionals，GARP）认可，由GARP考试委员会考试授予。
FRM考试的参加者需要具备一定的基础知识才能通过考试，以获得FRM证书。
FRM报名条件：1、参加FRM考试需要满足以下条件：（1）年满18周岁；（2）具备有护照；（3）具备有良好的英语水平；（4）有两年以上的金融风险管理行业工作经验；（5）具备良好的计算机技能；（6）持有高等教育学历，或正在攻读高等教育学历者。
2、FRM报名阶段参加FRM考试需要进行报名。
要报名参加FRM考试，可以通过GARP官网报名，也可以找官方考点报名。
报名时，准备好相关资料，如身份证，护照，英语水平证明，学历证明，金融风险管理行业经验证明等，以备报考时提交。
报名完成后，将收到一份考试报名确认函，其中显示了考生的考试日期和时间、考试地点、复核考卷等信息。
3、FRM考试科目FRM考试分为两部分，即FRM Part I考试和FRM Part II考试，分别包括FRM Part I考试中的Foundations of Risk Management，Quantitative Analysis，Financial Markets，andProducts以及FRM Part II考试中的Market Risk Measurement and Management，CreditRiskMeasurement and Management，Operational and Integrated Risk Management，Risk Management and Investment Management等。
考试形式以选择题为主，考试时间分别为Part I考试和Part II 考试2个小时。
4、FRM结束考试条件FRM考试结束条件有：（1）考生需要在规定时间完成考试；（2）按照考试要求完成所有题目；（3）达到考试分数线，即Part I考试最低分数线要达到60%，而Part II考试最低分数线要达到50%；（4）缴纳考试费，这笔费用分以上文提到的2个部分，即Part I考试费和Part II考试费；（5）等待FRM证书确认。
5金融英语证书综合考试正受到越来越多人的关注，其难度也让部分考生望而却步。
本文从金融术语、知识体系、听力、阅读理解、翻译写作等几方面梳理了金融英语证书综合考试的备考策略。
金融英语证书综合考试；备考策略金融英语证书制度的由来金融专业英语证书考试制度是1994年经中国人民银行和原国家教委联合发文批准建立的我国第一个国家级行业性外语证书考试制度。
为进一步完善金融专业英语证书考试制度，金融专业英语证书考试委员会经讨论决定，自2009年开始，金融专业英语证书考试结构进行适当调整。
调整后，原“金融专业英语证书考试”更名为“金融英语证书考试”。
金融英语证书考试共设两级，分别为金融英语证书综合考试和金融英语证书高级考试。
考试每年举办一次，考试成绩可用作金融系统员工录用、职称评定、职务晋升及出国培训人员或外派人员专业英语水平的参考证明（2013）。
金融英语证书考试制度自推行以来，吸引了越来越多的金融从业者和有志于从事金融业的学子。
报名考试的人数呈逐年递增的态势，金融英语证书业已成为颇受金融业界认可的行业英语等级证书。
在此，我们对金融英语证书综合考试的备考策略进行梳理。
金融英语证书综合考试题型及分值分布金融英语证书综合考试满分100分。
试卷分为三个部分。
第一部分听力30分；第二部分阅读45分，其中包括四项内容，传统的四选一的阅读理解文章，三篇15分；单项选择题10道题，10分；完型填空两篇10分；判断正误的阅读理解文章两篇或三篇，10分。
最后是写作25分，涉及三项内容，填写流程图，5分；翻译英语句子，分；作文，分。
■王立莉/文金融英语证书综合考试备考策略21010金融英语证书综合考试的特点金融英语证书综合考试的特点是内容涉及广泛，知识比较庞杂。
其内容涉及银行中间业务、外汇、金融监管、银行信贷、证券、期货、会计、国际结算、保险以及金融函电写作。
眼花缭乱的内容常常让报考者望而生畏，因为即使是金融从业人员在日常工作中也不可能涉及如此广泛的领域。
根据《2012年度金融英语证书考试公告》获知，2012年金融英语证书考试时间为2012年6月2日、6月3日。
点击查看具体考试时间考试安排如下：6月2日 09：00—11:30 综合考试科目—现代金融业务14:00—16：30 高级考试必考科目—现代金融理论与实务6月3日 09:00—11：30 高评级考试选考科目—银行业务与管理金融英语证书综合水平考试考试大纲—《现代金融业务》一、考试目的本考试为金融英语证书综合水平考试，旨在测试并认定应试人员的金融英语语言水平与实际运用英语处理业务的能力。
本考试的证书可作为在金融部门从事相应的涉外业务工作、参加涉外培训、职称评定和各类毕业学生进入金融部门就业等方面的参考依据。
二、考试对象本考试对象为全国金融系统具备一定金融专业知识和英语水平的金融从业人员、大专院校相关专业学生及其他有志于在金融业发展的人员。
三、考试要求及范围本考试要求应试人员具备在金融业务中较熟练地运用英语的能力。
参加本考试的应试人员应掌握7000个基础英语及金融专业英语词汇，熟悉基本的业务概念和术语及一般的业务程序和原理，能听懂日常会话和一般的业务交谈，具有在篇章水平上运用英语基本语法知识的能力。
能看懂与金融业务有关的一般文字材料，拟写一般的业务文件。
四、考试范围1、中国金融业概述1.1 银行业1.2 证券业1.3 保险业2、银行和金融机构监管2.1 银行业2.2 证券业2.3 保险业3、中国外汇体制3.1 概述3.2 外汇体系3.3 金融机构外汇业务3.4 对外汇账户的监管3.5 经常账户处理3.6 资本项目处理3.7 国际收支统计申报3.8 外汇业务4、会计4.1 财务会计4.2 管理会计4.3 银行会计5、银行中间业务5.1 中间业务5.2 金融市场5.3 投资银行业5.4 网上银行业6、银行信贷6.1 贷款种类6.2 信贷计划6.3 借款人的筛选6.4 信贷风险管理7、国际结算7.1 票据7.2 国际结算方式7.3 国际结算中使用的单据7.4 贸易融资7.5 《贸易术语通则2000》8、证券、期货市场8.1 概述8.2 证券市场8.3 期货市场8.4 法律体制9、保险基础9.1 保险原则和保险合约9.2 保险种类9.3 保险市场9.4 保险业务10、金融函电10.1 银行业务信函10.2 电传10.3 SWIFT10.4 备忘录10.5 电子邮件五、考试构成本考试包括听力和笔试两部分，主要从以下方面测试应试人员运用英语处理日常银行业务能力：听力部分（占30％）：包括简短会话、报告、陈述、访谈、讨论、电话通讯对话、接待客户、介绍业务、提供服务等。
金融英语考试试题及答案金融英语是金融领域中不可或缺的一部分，对于从事金融行业的人士来说，掌握金融英语的知识非常重要。
为了帮助大家更好地备考金融英语考试，本文将为大家提供一些常见的金融英语考试试题及答案。
一、选择题1. What is the meaning of IPO?a) Initial Public Offeringb) International Purchase Orderc) Investment Portfolio Optimizationd) International Partnership Organization答案：a) Initial Public Offering2. What does the term "capital market" refer to?a) The market for physical capitalb) The market for financial assets with a maturity of less than a yearc) The market for financial assets with a maturity of more than a yeard) The market for real estate properties答案：c) The market for financial assets with a maturity of more than a year3. Which of the following is an example of a derivative?a) Stockb) Bondc) Optiond) Certificate of Deposit答案：c) Option4. What is the opposite of a deficit?a) Surplusb) Debtc) Liabilityd) Equity答案：a) Surplus5. What is the term for a loan that is secured by collateral?a) Unsecured loanb) Subordinated loanc) Secured loand) Revolving loan答案：c) Secured loan二、填空题1. The study of how individuals and institutions make financial decisions and how these decisions affect the allocation of resources is known as__________.答案：finance2. When a company issues shares for the first time and offers them to the public, it is called an ____________.答案：IPO (Initial Public Offering)3. The interest rate that a commercial bank charges its most creditworthy customers is known as the _________.答案：prime rate4. A financial instrument that represents ownership in a corporation is called a ___________.答案：stock5. The basic economic problem of having seemingly unlimited human wants in a world of limited resources is known as ________.答案：scarcity三、解答题1. Explain the concept of time value of money.答案：The time value of money refers to the idea that a dollar today is worth more than a dollar in the future. This is because money can be invested and earn interest over time. Therefore, receiving a dollar today ismore desirable than receiving the same amount in the future. The time value of money is an important concept in finance and is used to calculate the present value of future cash flows.2. What are the main functions of a central bank?答案：The main functions of a central bank include:- Monetary policy: Central banks are responsible for formulating and implementing monetary policy to control the money supply and interest rates in an economy. This is done to achieve specific macroeconomic objectives, such as price stability and economic growth.- Banker to the government: Central banks act as the government's bank and provide services such as managing the government's accounts, issuing government securities, and acting as a lender of last resort.- Banker to commercial banks: Central banks also provide banking services to commercial banks, including maintaining accounts, providing short-term loans, and overseeing the stability of the banking system.- Currency issuance: Central banks are responsible for issuing and circulating the national currency.- Financial stability: Central banks play a crucial role in maintaining financial stability and monitoring risks in the banking system.总结：本文为大家提供了一些常见的金融英语考试试题及答案。
金融英语证书考试（FECT ）Exerci sesI. Which of the following is not a function of money ? ______A. To act as a medium of excha ngeB. To act as a unit of acco untC. To act as a store of valueD. To provide a double coin cide nee of wantsE. To act as a mea ns of payme nt2. ______________________________________________ T he price in the foreig n excha nge market is called ___________________________________A. the trade surplusB. the excha nge rateC. the money priceD. the curre ncy rate3. _____________________________ Market risk refers to the risk ofA. fi nan cial prices fluctuati onsB. defaultC. fraudD. deferred payme nts4. Which of the follow ing is not among the gen erally accepted acco un ti ng principles ? ________ 。
A. Cash basisB. Prude neeC. C on siste ncyD. Go ing concernE. M oney measureme nt。
5. What is a documentary letter of credit ? ______ 。
A. A conditional bank undertaking to pay an exporter on production of stipulated docume ntati onB. A method of lending aga inst docume ntary securityC. A n intern ati onal trade settleme nt system biased in favour of importersD. All of the above6. Holdi ng a group of assets reduces risk as long as the assets ____ 。
A. are perfectly correlatedB. are completely in depe ndentC. do not have precisely the same patter n of retur nsD. have a correlatio n coefficie nt greater tha n one7. An amount, payable in money goods , or service , owed by a creditor , is known as a/an 。
A. liabilityB. debtC. equityD. asset8. What function is money serv ing whe n you buy a ticket to a movieA. store of valueB. a medium of excha ngeC. tra nsacti on dema ndD. a un it of acco unt9.lf foreigners expect that the future price of sterling will be lower。
A. supply of sterli ng will in crease , dema nd forsterli ng will fallexcha nge rate will fallbus in ess to a,theand theB. supply of sterli ng will in crease , dema nd for sterli ng will rise and theexcha nge rate may or may not in creaseC. supply of sterli ng will fall , dema nd for sterl ing will in crease , and the excha nge rate will riseD. supply of sterli ng will fall , dema nd for sterli ng will fall , and the excha nge rate may or may not falllO.The docume ntary collecti on provides the seller with a greater degree ofprotecti on tha n shipp ing on ____ 。
A. ope n acco untB. ba nk's letter of guara nteeC. ba nker's draftD. docume ntary credit11. Which of the following statements is not true of central banks ? ______ 。
A. They pay the gover nmen t's salariesB. They always un dertake the regulati on of the banking systemC. They are always the len der of last resortD. None of the above12.When GBP/USD rate goes from 1.6150 to 1.8500 , we say the dollar ______A. appreciates by 12.70%B. depreciates by 14.55%C. depreciates by 12.70%D. appreciates by 14.55% 13.Accordi ng todiversificati on prin ciple in inv estme nt, suppose you in vestStock X and Stock Y with equal funds , which of the following is not true ? _____________A.If X and Y are totally independent with each other , the riskof the portfoliois reduced is n either reduced nor in creased14. These are four main methods of securing payment in international trade (1) payment under documentary creditB. If X and Y are perfectly n egatively correlated is perfectly offsetC. If X and Y are perfectly positively correlated is n either reduced nor in creasedD. I f X and Y are perfectly n egatively,the risk of the portfolio,the risk of the portfolio,the risk of the portfolio(2) open account(3) collection , that is document against payment or acceptanee of a bill of exchange (4) payment in advaneeA.(4) , (2) , (3) , (1) B.(4) , (1)C. (4) ,(3) D. (2) ,(4)15. ________________________________________ The main liability on a bank bala nee sheet is _____________________________________A. depositsB. capital and reservesC. loans and overdraftsD. cash16. shows that net in come for a specified period of time and how it was calculated 。
A. The in come stateme ntB. The capital stateme ntC. The acco un ti ng stateme ntD. The statement of financial conditionFrom an exporter's point of view,the order of preferenee is ______(3), (2) (1), (2) (1), (3)17. ___________________________________________________________________ W hy must the liabilities and assets of a bank be actively man aged__________________________________________________________________________ 。
A. Because assets and liabilities are not evenly matched on the same time scaleB. Because assets and liabilities are eve nly matchedC. Because the in terba nk market uses LIBORD. Because assets and liabilities can be un derwritte n18.lf the expected returns of two risky assets have a perfect negativecorrelati on , the n risk 。
