金融英语第2

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。

当前位置：首页. \阅读. \Part 2. \Exercise. \1. Multiple Choice1. Multiple ChoiceDirections：There are 10 incomplete sentences. Each has four choices marked a, b, c and d. Choose the ONE that best completes the sentence.(1) According to Basel Accord issued in 1988, the capital adequacy ratio should be higher than ________.A. 6%B. 7%C. 8%D. 9%(2)Basle Accord issued in 1988 divides the capital of a bank into ________.A. tier one and tier twoB. pass and special mentionC. outstanding and excellentD. standard and substandard(3) In CAMELS system, the best performance is rated as ________.A. 1B. passC. 5D. outstanding(4) In China, _________has the power to carry out financial supervision obligation.A. central bankB. the CBRCC. fiscal departmentD. the State Council(5) The 'C' in CAMELS system refers to _________.A. capacityB. currencyC. capitalD. capability(6) There are _______kinds of risk weight about assets quality in Basel Accord.A. 3B. 4C. 5D. 6(7) ________is the core of bank licensing process.A. An information pre-filing stageB. The application stageC. The organizing stageD. The operation stage(8) The supervision authority will not scrutinize __________ when licenses a proposed bank.A. the qualification of managersB. business siteC. the source of capitalD. operation plan(9) The aim of financial supervision is ________.A. to save failing banksB. to protect all savings accountC. to maintain reputation of financial systemD. to control asset quality(10) In China, the minimum capital requirement for a national-level commercial bank is RMB________billion.A. 1B. 150C. 180D. 200当前位置：首页. \阅读. \Part 2. \Exercise. \2. True or False2. True or FalseDirections: Read the following sentences and decide whether they are true or false.(1) The banking organizations are not so highly geared as the industrial companies.A. trueB. false(2) The limit on the deposit insurance coverage also serves to minimize moral hazard on thepart of the depositors.A. trueB. false(3) Bank charter is usually granted by the central bank or a separate supervisory body of acountry.A. trueB. false(4) Banking, by its nature, entails taking a wide array of risks.A. trueB. false(5) The most important types of operational risk involve breakdowns in external controls orcorporate governance.A. trueB. false(6) Reputation risk is particularly damaging for banks since the nature of their businessrequires maintaining the confidence of depositors, creditors, and the general marketplace.A. trueB. false(7) From the bank supervisor's perspective, the most attractive approach is to try to encouragethe assisted merger of the failing bank into a sound institution.A. trueB. false(8) If a bank has already licensed, it need not inform the supervision authority that the directoror the senior management has changed.A. trueB. false(9) The banking supervision authority in a country has the right to supervise all kinds offinancial institutions.A. trueB. false(10) Selling unprofitable assets is a kind of measures to improve the bank's capital level.A. trueB. false当前位置：首页. \阅读. \Part 2. \Exercise. \3. Cloze3. ClozeDirections: Read the following paragraphs and then put the suitable words or phrases into the blanks.positionsratesvisibleincreaseopen12345Banks face a risk of losses in ________ arising from movements in exchange rates. Established accounting principles cause these risks to be typically most ________ in a bank's trading activities. Banks act as "market-makers" in foreign exchange markets by quoting ________ to their customers and by taking ________ positions in foreign currencies. The risks inherent in foreign exchange business, particularly in running open foreign exchange positions, ________ during periods of instability in exchange rates.Under CAMELS rating system, banks rated "1" are ________in every aspect, while those rated "5" are likely to________ in the absence of immediate and substantial corrective action and external support. The composite is not determined by calculating a simple________ of the separate components. Rather, it is the result of a ________assessment by the examiner-in-charge of the overall condition of the bank. The composite includes additional considerations, such as the bank's competitive position, including its future prospects and trends in its financial performance. Thus, the summary rating provides a broad ________of the examiner's findings regarding a bank's overall financial condition and immediate prospects.soundaveragefailmeasurecomprehensive12345A key ingredient of a good lending function is a strong and independent credit administration department. This department's functions________ independent analysts charged with the review and analysis of borrower's financial condition and prospects. The department also evaluates loan ________and adherence to loan covenants, reviews statistical data and trends in the portfolio, and identifies ________to policies and procedures. Much of this information is regularly shared with senior management and, where necessary, with the board of directors. The internal review should also focus on the types of ________being extended, the level of risk concentration in particular areas, the loss experience in various segments of the_______, and the need for changes in credit standards and guidelines.creditrequireexceptionsportfolioperformance12345有错！正确答案是:1.positions;2.visible;3.rates;4.open;5.increase.有错！正确答案是:1.sound;2.fail;3.average;prehensive;5.measure.有错！正确答案是:1.require;2.performance;3.exceptions;4. credit;5.portfolio.当前位置：首页. \阅读. \Part 2. \Exercise. \4. Translation4. TranslationDirections: Translate the following paragraphs into Chinese.(1) Effective supervision of banking organizations is an essential component of a strong economic environment in that the banking system plays a central role in making payments and mobilizing and distributing savings.(2) Deciding on the appropriate level of systemic protection is by and large a policy question to be taken by the relevant authorities (including the central bank), particularly where it may result in a commitment of public funds.(3) A key aspect of the licensing process is an evaluation of the competence, integrity andqualifications of proposed management, including the board of directors.(4) If there will be a corporate shareholder with a significant holding, an assessment of the financial condition of the corporate parent should be made, including its capital strength.(5) The host authority should also consider whether the home country supervisor capably performs its supervisory task on a consolidated basis.(6) 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 appropriate.(7) Banks are particularly susceptible to legal risks when entering new types of transactions and when the legal right of a counterparty to enter into a transaction is not established.(8) Under the loan classification system, criteria used to assign credit quality ratings are primarily based upon the degree of risk and the likelihood of orderly repayment, and their effect ona bank's safety and soundness.(9) Pending factors may include a proposed merger or acquisition, liquidation proceedings, capital injection, preferring liens on additional collateral, or refinancing plans.(10) Bank failures can serve a useful purpose by rewarding strong managements and penalizing weak ones.(11) Prudential requirements cover a broad spectrum of banking activities and play an important part in assuring the effectiveness of the supervisory process. Of which, there are five key areas where the extensive prudential policies have been implemented by bank regulators of most countries, these are capital adequacy, asset concentrations, loan classification system and adequacy of loan loss reserves, liquidity and risk management and internal controls.(12) Banking supervisors recognize that banking is a business of taking risks in order to earn profit and assumes varied and complex risks that warrant a risk-oriented supervisory approach. Consequently, bank regulators in many countries have adopted risk-based approach to supervise banks. Under this approach, supervisors do not attempt to restrict risk-taking but rather determine whether banks identify, understand and control the risks they assume.(13) Supervisors must assess the ownership structure of banking organizations including the bank's direct and indirect controlling and major direct or indirect shareholders. This assessment should review the controlling shareholders' past banking and non-banking business ventures and their integrity and standing in the business community, as well as the financial strength of all major shareholders and their ability to provide further financial support should it be needed. As part of the process of checking integrity and standing, the supervisor should determine the source of the initial capital to be invested.Where a bank will be part of a larger organization, licensing and supervisory authorities should determine that the ownership and organizational structure will not be a source of weakness and will minimize the risk to depositors of contagion from the activities conducted by other entities within the larger organization. The other interests o f the bank's major shareholders should be reviewed and the financial condition of these related entities assessed.。

Loan Commitment下面我们介绍贷款承诺。

1. A loan commitment is a promise to lend up to a prespecified amount to a prespecified customer at prespecified terms. Such a promise is tenable for a prespecified time period (not to be confused with the maturity of the loan).The terms usually specify how the interest rate on the loan will be computed, the maturity of the loan, and the use to which borrowed funds will be put. The bank’s compensation for selling the commitment comes in a variety of forms, used in various combinations. It can take the form of a commitment fee that is expressed as a percentage of the total commitment and paid up front by the borrower when the commitment is negotiated. It can also take the form of a usage fee that is levied on the used portion of the edit line (for example, 25 to50 basis points per year).A loan commitment is a promise to lend up to a prespecified amount to a prespecifiedcustomer at prespecified terms.贷款承诺是一项对特定客户在特定条件下提供特定数量贷款的承诺。

金融专业英语第二版课后答案1、During the Spring Festival, people in Northern China usually eat _______ as a traditional Chinese food. [单选题] *A. pizzaB. dumplings(正确答案)C. hamburgersD. noodles2、The plane arrived at London airport _______ Wednesday morning. [单选题] *A. on(正确答案)B. atC. inD. for3、The little girl held _____ in her hand. [单选题] *A. five breadsB. five piece of breadsC. five piece of breadD. five pieces of bread(正确答案)4、Many people prefer the bowls made of steel to the _____ made of plastic. [单选题] *A. itB. ones(正确答案)C. oneD. them5、You have been sitting on my hat and now it is badly out of（）. [单选题] *A. dateB. shape(正确答案)C. orderD. balance6、You cannot see the doctor _____ you have made an appointment with him. [单选题] *A. exceptB.evenC. howeverD.unless(正确答案)7、There are trees on both sides of the broad street. [单选题] *A. 干净的B. 狭窄的C. 宽阔的(正确答案)D. 宁静的8、One effective（）of learning a foreign language is to study the language in its cultural context. [单选题] *A. approach(正确答案)B. wayC. mannerD. road9、62．--There is? ? ? ? ? sale on in the shop today. Let’s go together.--Please wait? ? ? ? ? ?minute. I’ll finish my homework first. [单选题] *A．a; theB．a; a(正确答案)C．the; aD．the; the10、We sent our children to school to prepare them for the time _____ they will have to work for themselves. [单选题] *A. thatB. when(正确答案)C. whileD. as11、We have ______ homework today. （）[单选题] *A. too manyB. too much(正确答案)C. much tooD. very much12、My English teacher has given us some _______ on how to study English well. [单选题] *A. storiesB. suggestions(正确答案)C. messagesD. practice13、31．That's ______ interesting football game. We are all excited. [单选题] *A．aB．an(正确答案)C．theD．/14、( )Keep quiet, please. It’s ________ noisy here. [单选题] *A. many tooB. too manyC. too muchD. much too(正确答案)15、—Look at those purple gloves! Are they ______, Mary?—No, they aren’t. ______ are pink. （）[单选题] *A. you; IB. your; MyC. yours; Mine(正确答案)D. you; Me16、The twins _______ us something about their country. [单选题] *A. told(正确答案)B. saidC. talkedD. spoke17、Neither she nor her friends ______ been to Haikou. [单选题] *A. have(正确答案)B. hasC. hadD. having18、I often _______ music from the Internet. [单选题] *A. download(正确答案)B. spendC. saveD. read19、It is reported（）three people were badly injured in the traffic accident. [单选题] *A. whichB. that(正确答案)C.whileD.what20、Everyone here is _______ to me. [单选题] *A. happyB. wellC. kind(正确答案)D. glad21、His mother’s _______ was a great blow to him. [单选题] *A. diedB. deadC. death(正确答案)D. die22、Grandpa pointed to the hospital and said, “That’s _______ I was born?”[单选题] *A. whenB. howC. whyD. where(正确答案)23、45．—Let's make a cake ________ our mother ________ Mother's Day.—Good idea. [单选题] *A．with; forB．for; on(正确答案)C．to; onD．for; in24、69．Online shopping is easy, but ________ in the supermarket usually ________ a lot of time. [单选题] *A．shop; takesB．shopping; takeC．shop; takeD．shopping; takes(正确答案)25、80．Thousands of ________ from other countries visit the village every year. [单选题] *A．robotsB．postcardsC．tourists(正确答案)D．bridges26、Chinese people spend _____ money on travelling today as they did ten years ago. [单选题] *A. more than twiceB. as twice muchC. twice as much(正确答案)D. twice more than27、How beautiful the flowers are! Let’s take some _______. [单选题] *A. photos(正确答案)B. potatoesC. paintingsD. tomatoes28、Don’t ______. He is OK. [单选题] *A. worriedB. worry(正确答案)C. worried aboutD. worry about29、His father always _______ by subway. [单选题] *A. go to workB. go to schoolC. goes to bedD. goes to work(正确答案)30、____ is standing at the corner of the street. [单选题] *A. A policeB. The policeC. PoliceD. A policeman(正确答案)。