金融硕士英语阅读理解习题及答案

金融英语模拟试题及答案Reading Comprehension: (10 points)Joseph Glass, CFA, is a consultant who provides advisory services to large manufacturing companies. Glass has been retained by ABCO, a leading manufacturer of widgets for automobiles in the United States. ABCO has hired Glass to evaluate the possibility of e*panding their current base of operations by building an additional facility in South America. Management of ABCO has identified an increase in demand for widgets in South America over the past decade, and any new manufacturing facility would produce goods to satisfy that void and would be distributed and sold across South America.Glass is not familiar with the current economic climate in South America, but is aware that several governments have attempted to encourage economic development in their countries through the enactment of pro-business legislation. Two of these countries, Venezuela and Peru, both have the reputations of being “friendly” to foreign economic investment withintheir borders. The two countries share some similarities: both, until the past twenty years, were primarily agricultural economies with little industrial development. Also, both countries can offer a relatively low-cost labor force, although their workers in general, are not highly skilled.The government of Peru has declared that protecting the country’s environment is of utmost importance, and has established a regulatory body that oversees any environmental concerns that may arise as the country becomes more industrialized. Fairly stringent regulations have already been put into place in order to ensure that going forward, the operating practices of manufacturers within their country’s borders will be in balance with the government’s concern for their county’s natural resources. Regulations cover areas of concern such as air emissions, water conservation and the use of sustainable resources. Glass advised ABCO that a cost-benefit analysis must be performed to accurately determine both the direct and indirect costs of compliance with the regulations.The Venezuelan government has taken steps to ensurethat it can carefully manage the development of its country’s emerging economy, and to ensure that a competitive market is maintained. A regulatory agency was established five years ago to provide guidance for any new manufacturing concern seeking to operate in Venezuela. The head of the agency is Juan Santos, the former CEO of one of the first modernized manufacturing facilities in the country. During his tenure as head of the agency, he has demonstrated his ability to render decisions that attempt to simultaneously satisfy legislators, industry participants, and consumers. Glass is impressed by Santos’ work so far, but realizes that over the past five years, Venezuela has e*perienced a period of relatively slow economic development. Glass believes that Santos’ skills will truly be put to the test in the upcoming years of the anticipated economic e*pansion.Glass acknowledges the need for governmental regulation of industry, but recognizes that there always are offsetting costs, both short-term and long-term of such controls. Based upon his knowledge of events that have occurred in the United States over thepast thirty years, Glass recommends that ABCO continue to carefully monitor economic developments in both countries even after a site for a new manufacturing facility is selected.Part 1)Should ABCO build a new facility in either of the two countries, it is almost a certainty that they would be the low-cost producer of widgets, with the capacity to satisfy nearly all demand in the region. A natural monopolist operating in an unregulated industry will produce at the point where:A. Marginal costs equal marginal revenue.B. Average costs equal marginal revenue.C. Average costs equal average revenue.D. The marginal cost curve intersects the demand schedule.Part 2)The social regulation policies enacted by the government of Peru would least likely to cause which of the following outcomes? ()A. Higher costs of production.B. A disproportionately higher compliance e*pensefor larger firms rather than smaller firms.C. Higher prices for the end consumer.D. Attempts by industry participants to avoid compliance through creative response.Part 3)If ABCO were to build its new facility in Peru, compliance with the country’s regulatory policies will increase the price of their product by appro*imately ten percent. Some consumers may respond by not replacing the widgets in their automobiles as frequently as before, which will cause decreased fuel efficiency. This unintended effect of regulation is an e*ample of: ()A. The capture hypothesis.B. A creative response.C. A feedback effect.D. The share-the-gains, share-the-pains theory.Part 4)The appointment of Santos, an industry “insider”, to head the regulatory agency in Venezuela has the potential to cause a reaction predicted by which of the following theories of regulatory behavior? ()A. Rate-of-return regulation.B. Share-the-gains, share-the-pains theory.C. The capture hypothesis.D. Cost-of-service regulation.Part 5)Santos, as the head of the main regulatory body in Venezuela, must decide how to manage the effects of an unanticipated sharp increase in the cost of electricity. Santos proposed regulation that will allow manufacturers to pass on the increased costs at scheduled intervals over a five year period. This approach is an e*ample of: ()A. Rate of return regulation.B. Cost-of-service regulation.C. Share-the-gains, share-the-pains theory.D. Social regulation.E*planations of terms：(10 points)1. Liquidity2. Cost-push inflation3. Surveillance4. E*ternal debt5. Foreign reserveQuestion3: How many factors to e*plain the reserveholdings?Question4: What is The Monetary Policy Instruments of the Central Bank?Question5: What is Concept of Trust Market？And what the composition of it is?Question6: What is the Money Laundering?。

考研英语经济类阅读理解及参考答案阅读理解，我们在考研之前英语考试上造就做过了，但是还没有针对性地做过经济的吧。

下面是店铺给大家整理的考研英语经济类阅读理解及答案，供大家参阅!考研英语经济类阅读理解及答案：Crude awakeningA battle between two energy exchangesOPEN-OUTCRY trading is supposed to be a quaint, outdated practice, rapidly being replaced by sleeker, cheaper electronic systems. Try telling that to theNew York Mercantile Exchange (NYMEX), the world's largest commodities exchange. On November 1st the NYMEX opened an open-outcry pit in Dublin to handle Brent crude futures, the benchmark contract for pricing two-thirds of the world's oil.The NYMEX is trying to snatch liquidity from London's International Petroleum Exchange (IPE), which trades the most Brent contracts; the New York exchange has hitherto concentrated on West Texas Intermediate, an American benchmark grade. The new pit is a response to the IPE's efforts to modernise. On the same day as NYMEX traders started shouting Brent prices in Dublin, the IPE did away with its morning open-outcry session: now such trades must be electronic, or done in the pit after lunch.The New York exchange claims that customers, such as hedge funds or energy companies, prefer open-outcry because it allows for more liquidity. Although most other exchanges are heading in the opposite direction, in commodity markets such as the NYMEX, pressure from "locals"--self-employed traders--is helping to prop up open-outcry, although some reckon that customers pay up to five times as much as with electronicsystems. Even the IPE has no plans to abolish its floor. Only last month it signed a lease, lasting until 2011, for its trading floor in London.Dublin's new pit is "showing promise", says Rob Laughlin, a trader with Man Financial, despite a few technical glitches. On its first day it handled 5,726 lots of Brent (each lot, or contract, is 1,000 barrels), over a third of the volume in the IPE's new morning electronic session. By the year's end, predicts Mr Laughlin, it should be clear whether the venture will be viable. It would stand a better chance if it moved to London. It may yet: it started in Ireland because regulatory approval could be obtained faster there than in Britain.Ultimately, having both exchanges offering similar contracts will be unsustainable. Stealing liquidity from an established market leader, as the NYMEX is trying to do, is a hard task. Eurex, Europe's largest futures exchange, set up shop in Chicago this year, intending to grab American Treasury-bond contracts from the Chicago Board of Trade. It has made little headway. And the NYMEX has dabbled in Brent contracts before, without success.Given the importance of liquidity in exchanges, why do the IPE and the NYMEX not band together? There have been merger talks before, and something might yet happen. Some say that the freewheeling NYMEX and the more staid IPE could never mix. For now, in any case, the two exchanges will slug it out--across the Irish Sea as well as across the Atlantic.--------------------------------------------------------------------------------Economist; 11/6/2004, Vol. 373 Issue 8400, p78-78, 1/2p, 1c 注(1)：本文选自Economist;11/6/2004, p78-78, 1/2p, 1c;注(2)：本文习题命题模仿2001年真题text 2第1题(1)，text 4第2题(2)，text 1第2题(4)，2002年真题text 2第2题(3)，text 3第4题(5);1.The NYMEX and IPE are___________.[A] both using open outcry trading as a major trading form[B] partners that are reciprocal in their business activities[C] rivals that are competing in the oil trading market[D] both taking efforts to modernize their trading practice2.According to the author, one of the reasons that the NYMEX takes open-outcry tradingis__________.[A] the preference of its customers[B] the standard practice of energy exchange[C] the long tradition of this trading practice[D] the nostalgic feeling it arouses3.The word “glitches” (Line 2, Paragraph 4) most probably means_________.[A] backwardness[B] disappointments[C] engineers[D] problems4.From Paragraph 4 we can infer that_________.[A] trading volume in the IPE's new morning electronic session is falling[B] London is a better business location for energy exchanges than Dublin[C] Britain’s regulators are less efficient than those of Ireland[D] the Dublin pit of the NYMEX will be more prosperous next year5.We can draw a conclusion from the text that___________.[A] it’s very unlikely that the NYMEX and the IPE could combine their businesses[B] the NYMEX will fail in Ireland as many precedents have shown[C] the two energy exchanges will figure out a way to cooperate with each other[D] the market environment for both energy exchanges is getting better答案：C A D B A篇章剖析本文介绍了两家能源交易所之间的商战。

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。

金融英语考试试题金融英语考试试题金融英语考试是衡量金融从业人员英语水平的重要指标之一。

这种考试旨在测试考生在金融领域的专业英语知识和技能。

下面将介绍一些常见的金融英语考试试题，以帮助考生更好地准备考试。

一、阅读理解阅读理解是金融英语考试中常见的题型之一。

考生需要阅读一篇关于金融领域的文章，并回答相关问题。

以下是一个例子：文章：The Role of Central Banks in the EconomyCentral banks play a crucial role in the economy by controlling the money supply and interest rates. They are responsible for maintaining price stability and promoting economic growth. Central banks achieve this through various monetary policy tools, such as open market operations and reserve requirements.Question: What is the role of central banks in the economy?答案：The role of central banks in the economy is to control the money supply and interest rates, maintain price stability, and promote economic growth.二、词汇选择词汇选择题是考察考生对金融领域词汇的理解和应用能力。

以下是一个例子：Question: The process of converting an asset into cash is called _______.a) liquidityb) inflationc) diversificationd) leverage答案：a) liquidity三、填空题填空题是考察考生对金融英语词汇和术语的掌握程度。

金融英语真题和答案Financial English Certificate Test( Banking: Comprehensive)2007Part One ListeningPart One ListeningSection One (10%)Directions: In this section, you will hear ten short statements. Each statement will be spoken only once. After each statement there will be a pause. During the pause, you must read the four suggested answers marked A, B, C and D, and decide which is the best answer. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center. Now you will hear the example:She went to the bank with Mr. Smith. ,A. She went home.B. She liked Mr. Smith.C. She went to the bank.D. She went to Mr. Smith's house.Sentence C, " She went to the bank." is the closest in meaning to the statement " She went to the bank with Mr. Smith. " Therefore, you should choose answer C. Now listen to the statements.1. A.House mortgage has a short history.B.House mortgage appeared in recent years in China.C. Nowadays, people still couldn't accept the idea of house mortgage.D.Many years ago people accepted house mortgage in China.2. A. If a country wants to be a member of the World Bank, itshould first be the member of the International Monetary Fund.B. The membership of the International Monetary Fund is not so important.C. The membership o f the International Monetary Fund is not important at all.D. A few countries want to be members of the World Bank.3.A.Face value is not important. B.Maturity date is not important.C. Coupon rate is important.D.Nothing is important.4. A.The value of the U.S. dollar changed a lot.B. The value of the U.S. dollar didn't change a lot.C. The value of U. S. dollar had no change.D. The value of the U.S. dollar had little change.5.A.They will pay 100 francs in advance. B.They will pay 130 francs in advance.C.They will pay 130 francs later.D.They will pay 120 francs later.6.A. He forgot to bring his safe. B. He forgot to close his safe.C. He forgot the code of his safe.D.He forgot to open his safe.7.A. In the U.S., the Federal Gold Reserve acts as the central bank.B. In the U.S., the central bank is the commercial bank.C. In the U.S., there is no central bank.D.In the U.S. , the central bank is not so important.8.A. Don't change your ideas. B.Don't change the accounts.C. Don't leave the bank.D. Don't forget to take your change.9. A. Barter trade was very important.B. Barter trade was not the original form.C. Money was very important.D. Barter Trade was the original form of international transaction.10.A.If you lose your bank notes, you will not get them back.B. If you lose your bank notes, you will get compensation.C. If you lose your bank notes, you can get them back soon.D.If you lose your bank notes, most probably, you will not get them back.Section Two (10 marks)Directions: In this section, you will hear ten short conversations. At the end of each conversation, a question will be asked about what was said. The conversation and the question will be spoken only once. During the pause, you must read the four choices marked A, B, C, D, and decide which is the best answer. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center. Now you will hear: M: Does our bank have a direct correspondent relationship with the Bradlays' Bank? W: No, we don't. So we have to advise this L/C via another bank.Q: Which of the following is right? ; r ;Now you will read:A.We can advise this L/C to the Bradlays' Bank.B.The Bradlays' Bank is our correspondent.C.The L/C has to be advised by a third bank.D.We should advise this L/C by ourselves.From the conversation we know that we have to advise this L/C via another bank. The best answer isC.Therefore you should choose answer C.11.A. You must report the loss of your card immediately tothe bank.B. You will be scolded.C.You must give a new card to the bank.D. You must pay for the new card.12.A.Checks. B.Traveler's checks. C. Travelers' letters of credit.D. Securities. '13. A.The third bank is the issuing bank.B.The third bank is not the confirming bank.C. The letter of credit should be confirmed by the third bank.D. The letter of credit should be confirmed by the issuing bank.14.A.The beneficiary doesn't want to carry the money with himself.B. The beneficiary does so for the sake of safety.C. The beneficiary does so for the sake of convenience.D.The beneficiary doesn't want to pay the money.15.A.In order to avoid problems arising from fluctuations of exchange rate.B. In order to get more money.C.In order to use the money as soon as possible.D. In order to overdraw the money.16. A.In Australia. B.In Austria. C.In China. D.In the U.S.17. A.I won't advertise.B. I don't want to report to the police station.C. 1 will be worried about this.D.I'll advertise or report to the police station.18. A. Three - month. B. Six - month. C. 15 days. D. Twelve - month.19.A.RMB. B.Hongkong Dollar. C. Dollar. D. Franc.20. A.The government. B.The banks. C.The leaders. D.The fund authoritiesSection three (10 marks)Directions: In this section you will hear three short passages. At the end of each passage, you will hear some questions. 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.Then mark the corresponding letter on the ANSWER SHEETwith a single line through the center.Passage One21. A.1994 B.1996 C.1998 D.199522. A.280 million B.I80 million C.280 billion D.I80 billion23. A.small projects B. financing key state construction projectsC.hope projectsD.private projectsPassage Two24.A.hotel expenses B.stock exchangeC.plane expensesD.restaurant expenses25.A. It can avoid the necessity of carrying large amount of cash.B. You needn't purchase large amounts of traveler's checks.C. You needn't use personal checks in places other than your own locality.D.It can't provide an instant cash service in case you run out of money.26. A. very useful and convenient B. uselessC. a waste of moneyD. not popular27. A. American Express B. Chinese Peony Card C. DragonCard D. Credit Card Passage Three28. A.The Asian markets are in recession.B. No investment is worth keeping if it robs of your sleep.C. If you need the money today, you should have sold the stocks now.D.It is easy to be brave and keep buying during a bull market.29. A.50 B.15 C.60 D.7030. A. You can live a happy life.B. Though you are not rich, you can enjoy a long and happy life.C. You can have a big mansion in Spain.D. You can live to see your granddaughter's graduation.Tart Two.ReadingSection One(lOmarks)Directions: There are ten statements in this section. For each statement there are foure choices markedA, B, C and D. You should choose the best answer and mark the corresponding letter on the ANSWER SHEET by drawing a single line through! the center.31.Before making a loan, potential lenders determine the borrower's ability to meet ______A. scheduled paymentB. his creditorC. the government s requirementsD. the stockholders'requirements32. _____ may make wage demands based on the accounting information that shows their employer' s reported income.A. CreditorsB. EmployeesC. Labor unionD. B & C Above33. Not all of those _____ takeovers continue to run the business they have bought.A. to be carried outB. carrying outC. being carried outD. carried out34. In February 2001, when the currency union fell ________, the official reserves had fallen to less than $2400 million.A. apartB. ToC. acrossD. under35. When the collecting bank receives from the presenting bank the documents forcollection,it_______________.A.should examine all documents to ascertain whether or not they appear,or on theirface, to be in compliance with them.B.may examine either the documents or the instructions to collect the proceeds.C.will examine documents in order to obtain instructions.D.will not examine documents in order to obtain instructions .36 .The minimum registered capital for the establishment ofa commercial bank shall be RMB_______ yuan.A.10millionB.100millionC.1billionD.10 billion37 .The ratio of liquid assets to liquid liabilities of a commercial bank shall not fall short of_______ per cent .A. 25B. 8C.75D.1038 . If we have a quote of 1 . 4950/1 . 4960 for $ /DM , __________ .A. the first rate is the buying rate for the dollarB. he first rate is the buying rate for the DMC. the second rate is the buying rate for the dollarD. the second rate is the selling rate for the DM39. Recovery from the turmoil in Asian financial markets has been remarkably rapid butthe problems have left _____ scars on the local banking system.A. lastB. lastingC. to lastD. lasted40. State interference carried with it an implied guarantee, so bankers paid no heed _____ the financial risks they were undertaking.A. toB. atC. towardsD. againstSection Two (10 marks)Directions: There are a number of blanks in each of thefollowing passages. For each blank there are four choices marked A, B, C and D. You are supposed to choose the best answer and mark the corresponding letter on the ANSWER SHEET by drawing a single line through the center.Passage OneAll foreign exchange _ 41 _ 42 _account transactions shall be repatriated, unless otherwiseby domestic establishments from43_ by the State Council. All foreign exchange receipts from capital transactions ___44 __ in foreign exchange account 45 _ at designated foreign exchange banks in accordance with the relevant state regulation, such revenues can also be sold to a designated foreign exchange bank upon the approval by the SAFE.41.A.expenditure B.receipts C. surplus D. yields42. A. current B. foreign exchange C. capital D. gold43. A. specified B. appointed C. designated D. approved44. A. may be deposited B. shall be deposited C. may be credited D. can be debited45. A. held B. Owned C. possessed D. drawnPassage TwoIn the foreign exchange market, which is made up of banks' traders and brokers, prices _ 46 _ every minute _ 47 _ to supply and demand. For safety's sake, a branch will get a rate from their traders fora big transaction. This process would be too cumbersome, however, for every small transaction. Therefore the traders give their branches lists of exchange rates _ 48 _ they may buy and sell notes and payments in the main currencies.Whenever a bank in Britain makes a payment in foreign currency, or makes a payment in sterling to a non - resident, the payment has first to _ 49 _under British exchange control regulations. The bank itself can usually authorize the payment after seeinga document such as an invoice to show that the payment is due; but cases _ 50_ borrowing and lending have to be referred to the Bank of England.46. A.alter B. vary C.turn D. convert47. A.in response B. respondent C.responding D. Answering48. A. of which B. on which C. in which D. at which49. A. Authorizing B. Authorize C. be authorized D. have been authorized50. A. Involving B. Involve C. will involve D. being involvedSection Three (10%)Directions: Read the following passages, and determine whether the sentences are " Right" or "Wrong" . If there is not enough information to answer "Right" or "Wrong" , choose "Doesn' t say". Then mark the corresponding letter on the ANSWER SHEET by drawing a single line through the center.Passage 1One of the most important functions of the accounting process is to accumulate and reportac-counting information that shows an organization's financial position and the results of itsopera-tions . Many businesses publish such financial statements at least annually. The subdivisionof the accounting, process that produces these general - purpose reports is referred to as financial accounting. Another major function of accounting is to provide management with the data neededfor decision making and for efficient operation of the firm.Although management people routinely receive the financialreports , they also require var-iousother information, such as the unit cost of a product, estimates of the profit earned from a specific sales activity, cost comparisons of alternative courses of action and long- range bud-gets . Theprocess of generating and analyzing such data is often referred to as managerial ac-counting .51.The purpose of managerial accounting is to prepare financial statements every year.A. RightB.WrongC.Doesn't say52.Financial statements include balance sheet, income statement and cash flow statement.A.RightB.WrongC. Doesn't say53 . Financial statements are used only by the outsiders of a firm .A.RightB.WrongC.Doesn't say54 .he management of a firm needs to use the results of both financial accounting as well as managerial accounting.A.RightB.WrongC.Doesn't sayPassage TwoDuring this period a number of important structural measures have been taken with partic-ular significance for thebanking sector. The first was the unification of the Renminbi (RMB) exchange rates and foreign exchange markets in January 1994. Second, the passage of central banking and commercial banking laws in 1995 has provided legal basis for the banking system in China. Third, the acceptance of the obligations of Article VIII of the Articles of Agreement of the International Monetary Fund in December 1996, namely commitment to RMB current-ac-count convertibility,has officially removed the remaining restrictions on international payments for trade and service transactions.55. foreign exchange can be bought or sold without any restrictions in foreign exchange mar-kets.A. RightB. WrongC. Doesn't say56. The passage of cantral banking and commercial banking laws has made the banking systemof China healthier, stronger and more vigorous.A. RightB. WrongC. Doesn't say57. International payments for trade and service transactions can be made freely because RMB current accounts are convertible since 1996.A. RightB. WrongC. Doesn't sayPassage threeAccounting provides the techniques for gathering economicdata and the language forcom-municating such data to different individuals and institutions.Investors in a business enterprise need information about its financial status and its future prospects. Bankers and suppliers appraise the financial soundness of a business organization and assess the risks involved before making loans or granting credit. Government agencies are concerned with the financial activities of business organizations for purposes of taxation and reg-ulation. Employees and their union representatives are also vitally interested in the stability and profitability of the organization that hires them. All of them, individuals or institutions, can obtain necessary information and make their appropriate decisions with the help of account-ing techniques. For example, comparison of past performance with planned objectives may re-veal the means of acceleration, favorable trends and reducing those that are unfavorable.58. The financial position and future prospects are of the concern of business investors.A.RightB.WrongC. Doesn't say59. Before making loans to customers, banks would try to get rid of risks involved.A.RightB.WrongC. Doesn't say60.Employees may show little concern in the earnings of a business enterprise in which they work.A.RightB.WrongC. Doesn't saySection Four (20%)Directions : There are ten statements in this section . For each statement there are four choices marked A , B , C and D . You should choose the best answer and mark the corre-sponding letter on the ANSWER SHEET by drawing a single line through the center.Passage 1When a savings account is opened in a bank, The depositor must sign a deposit agree-ment . By signing agreement , the depositor agrees to abide by the rules and regulations of the bank. These rules and regulations vary with different banks and may be altered and amended from time to time. At this time, a passbook may be given to the depositor. This is a small book in which the bank teller enters the date and amount of each deposit or withdrawal and initials the entry . The passbook is to be presented at the bank or mailed to the bank along with a de-posit or withdrawal slip each time money is deposited or withdrawn from the account . An alter-native practice for depositing or withdrawing money from a savings account is to give the deposi-tor a small register for recording deposits and withdrawals and a pad of deposit - withdrawal forms. This procedure eliminates the use of the passbook. Each time a deposit or withdrawal from savings is made, the appropriate part of one of the forms is filled in, signed, recorded in the register and presented or mailed to the bank with deposit items or other documents. The bank gives a machine - printed receipt to the depositor or returns it by mail . There should be a separate savings account in the ledger to record these activities.Traditionally, the principal differences between a savings account and a checking account are that interest is paid regularly by the bank on a savings account and withdrawals from a sav-ings account may be made at the bank or by mail by the depositor or an authorized agent. De-positors use checking accounts primarily as a convenient means of making payments, while sav-ings accounts are used primarily as a means of accumulating funds with interest . An increasing-ly common practice is for the bank to combine savings and checking accounts and get deposi-tors' permission to make automatic transfers of funds from the savings portion to the checking portion whenever the latter falls below a specified minimum balance . This amounts to giving the depositor an interest - earning checking account.61 . What is the primary purpose of a savings account?A .For interestB .For transfer of fundsC .For accumulating funds with interestD .For making profits62 .What is the aim of a small register and a pad of deposit withdrawal forms?A.To attract depositsB.To improve bank servicesC .to eliminate the use of the passbookD .To promote banking business63 .What is the purpose of signing a deposit agreement?A.To follow the bank's rules and regulationsB.To have the right to make full use of the bank's facilitiesC.To open an account in the bankD.To protect the depositor's interest64 .What does a depositor do with a passbook?A.He makes deposits with a bankB.He withdraws money from a savings accountC .He withdraws money from a checking accountD.Both A and B65 .For what purpose does a bank try to combine a savings account and a checking account?A.For holding more fundsB.For covering the checking account falling below the specified minimum balanceC .For automatic transfer of fundsD .Both B and CPassage TwoDocument against acceptance ( D/A) is exactly like document against payment ( D/P) except that, instead of signing the sight draft and paying on presentation of documents to re-ceive the bill (s) of lading, the importer accepts the usance (time) draft that creates an obli-gation similar to a promissory note called a trade acceptance. This can be used for finance pur-poses under some conditions. This is a promise to pay in a certain number of days, after ac-cepting the documents, usually for a term of between 30 and 180 days. D/A terms are more secure than open account because the transaction and receipt of goods are evidenced by a nego-tiable instrument. It is much easier to enforce a financial instrument than an account receiv-able, which must be proven to the courts. However, a sharp increase in risk over D/A oc-curs because the importer now has the goods, and the exporter only has a promise to pay. The bank has no responsibility to collect the funds on or after the due date. Both your bank and the foreign bank are purely agents for transmittion and collection. Itis very important not to confuse a banker's acceptance, which carries the credit of a bank, with a trade acceptance mentioned here. The latter is no better than the credit and integrity of the buyer as opposed to the bank.66.If D/A terms are used to settle international transaction, then ______.A.the seller must pay on presentation of documents.B.B. A sight draft is usually usedC.The importer can get the bill (s) of lading only after he accepts the time draftD.A promissory note is created67.In the passage, the sentence "this can be used for finance purposes under some condi-tions" means that ______.A. the buyer gives credit to the sellerB. the buyer can get the goods and even sell it before he has to payC. the buyer promises to pay in 30 daysD. an obligation is created68.To the seller, which of the following is disadvantage of D/A?A. It is much more secure in comparison with open account.B.It is much more enforceable than an account receivaleC . The seller has to incur much higher risk of dishonor ,of the bills .D . The collecting bank is responsible for the payment in the event of the dishonor of thebills.69.The most important difference between a banker's acceptance and a trade acceptance is that______ .A. the acceptances are made by different agentsB. credits are given by different agentsC. the banker's acceptance is inferior to a trade acceptanceD. the banker's acceptance depends on the bank's credit , while the later depends onthe credit of the buyer70. The word "conduits" in the passage means ______ .A . The banks assume no responsibility if the buyers fail to meet their payment obligation specifiedin the commercial contractB. the banks assume no responsibility for consequences arising from any causes beyond theircontrolC .just acting as agents , the banks transmit documents and collect money in accordancewith the directions given by the principalD . all of the abovePassage FourBanking organizations are highly geared, much more than commercial or industrial compa-nies. They have custody of large volume of monetary items, which makes them vulnerable to misappropriation and fraud. They therefore need to establish formal operating procedures, well defined limits for individual discretion rigorous system of internal control. Banking organiza-tions engage in a large volume and variety of transactions. This necessarily requires complex accounting and internal control system and widespread use of electronic data processing. Bank-ing organizations often assume significant commitments without any transfer of funds. These items may not involve accounting entries and consequently the failure to record such items may be difficult to detect. And most importantly, the failure of a bank,unlike most commercial firms, affect more than the fortunes of its shareholders and creditors, and may destabilized the whole economy.Effective supervision of banking organizations is an essential component of a strong eco-nomic environment in that the banking system play a central role in making payments and mobi-lizing and distributing savings . Strong and effective banking supervision provides a public good that may not be readily available in the marketplace. Along with effective macroeconomic poli-cy , it is critical financial stability in any country . While the cost of banking supervision is in-deed high, the cost of poor supervision has proved to be even higher.For all these reasons, banks throughout the world are generally accorded a higher degree of official , supervision and regulation than other types of businesses . At the same time , banks are also provided with important elements of official protection . For example , the central bank usually acts as a lender of last resort to protect commercial banks against a temporary liquidity drain. This protection is an important component of the official safety net bankstopping the banking system. Another major aspect of that safety net takes the form of deposit insurance fund to guarantee bank depositors that they will get their money back in the event of a bank failure .71. Why should banks need to establish formal operating procedures?A. The supervisory authorities require them to do so.B. The shareholders expect a reasonable return on their investment.C . The banks have to keep safe large volume of monetary items raised from all sources .D . The banks engage in a large volume and variety of transactions .72 . Which of the following requirements is NOT mentioned in successfully dealing with largevolume and variety of transactions?A . A large number of skillful staff and expertise .B. Effective internal control systemC . Complex accounting systemD . Wide - spread use of electronic data processing73. "Vulnerable to in line 3 probably means __________ .A. subject toB. easy to be attacked byC . of great volumeD. likely to damage74 . A high degree of official supervision and regulation on bank organizations are importantbe-cause __________ .A . The governments of many countries want to control banksB . There are too much trouble in banking sectorC . It is crucial to stabilize the financial sector and the whole economyD. The banks make much more deposit insurance fund75 . What is the main function of deposit insurance fund?A . To ensure that the banks have sufficient fund to finance other economic sectors .B . To protect the banks from all kinds of risks arising from their operationC . To meet requirements of financial needs of the publicD . To pledge to depositors that their money is safe whenevera bank is insolvencyPart Three (20%) WritingSection One (5%)See the chart ,fill the gap with the correct answer.(see the answer).Section TWO(5%)DirectionsTranslate the following sentences into Chinese. Write your translation on the ANSWERSHEET.1.Investment banking are banking activities associated with securities underwriting ,makinga market in securities ,and arranging mergers, acquisitions and restructing .2. The source of foreign exchange for overseas investment by domestic entities must be reviewed by the SAFE before the application for such investment is filed with the relevant government agencies.3.Bank accounting basis refers to methods for recognizing revenues expenses, assets and liabilities in accounting statements. Major bases of accounting include the accrual, cash and modified cash bases。

金融英语试题及答案一、选择题（每题2分，共20分）1. Which of the following is not a type of financial instrument?A. StockB. BondC. DerivativeD. Commodity2. The term "leverage" in finance refers to:A. The use of borrowed funds to increase the potential return of an investment.B. The amount of money invested in a project.C. The process of buying and selling securities.D. The risk associated with a particular investment.3. What does the acronym "IPO" stand for?A. International Public OfferingB. Initial Public OfferingC. Internal Private OfferingD. International Private Offering4. The primary market is where:A. Securities are issued for the first time to the public.B. Securities are traded after they have been issued.C. Companies buy back their own securities.D. Investors sell their securities to other investors.5. A bear market is characterized by:A. A prolonged period of falling prices.B. A period of economic growth.C. A period of high inflation.D. A period of low unemployment.6. The term "risk management" in finance involves:A. Predicting future market trends.B. Identifying potential risks and taking steps tomitigate them.C. Maximizing returns on investments.D. Managing the day-to-day operations of a financial institution.7. A "blue chip" stock refers to:A. A stock that is considered to be of high quality and carries a lower risk.B. A stock that is traded on a blue-colored chip.C. A stock that is considered to be very risky.D. A stock that is traded on a major stock exchange.8. The process of "short selling" involves:A. Borrowing securities and selling them in the hope of buying them back at a lower price.B. Selling securities that the investor does not own.C. Buying securities with the expectation that their price will increase.D. Holding securities for a long period of time.9. What is the role of a "broker" in finance?A. To provide financial advice to clients.B. To facilitate the buying and selling of securities between investors.C. To manage a company's financial transactions.D. To underwrite securities for companies.10. The "efficient market hypothesis" suggests that:A. Stock prices fully reflect all available information.B. It is possible to consistently beat the market by picking individual stocks.C. Investors are irrational and make poor decisions.D. The market is always undervalued.二、填空题（每题1分，共10分）11. The _______ is the process by which a company raisescapital by issuing shares to the public for the first time. 12. A _______ is a financial contract that obligates thebuyer to purchase an asset or the seller to sell an asset ata predetermined future date and price.13. The _______ is the market where existing securities are bought and sold.14. The _______ is a measure of the risk of an investment compared to the return it is expected to generate.15. When the stock market is experiencing a significant and sustained increase in prices, it is known as a _______ market.16. A _______ is a financial institution that acceptsdeposits and provides various types of loans to customers. 17. The _______ is a measure of the ability of a company to pay its current debts with its current assets.18. A _______ is a financial statement that shows a company's financial performance over a period of time.19. The _______ is a type of investment strategy that focuseson long-term growth potential.20. An _______ is a financial instrument that derives its value from an underlying asset.三、简答题（每题5分，共30分）21. Explain the difference between a "mutual fund" and a "hedge fund".22. Describe the concept of "diversification" in investment.23. What is "inflation" and how does it affect the value of money?24. Discuss the role of "central banks" in the economy.四、论述题（每题20分，共20分）25. Discuss the impact of globalization on the financial markets and provide examples to support your argument.五、案例分析题（每题20分，共20分）26. Analyze a recent financial crisis and discuss the factors that contributed to it, the impact it had on the global economy, and the lessons that can be learned from it.答案：一、选择题1-5 D A B A A6-10 B A A B A二、填空题11. Initial Public Offering (IPO)。

金融英语阅读理解*North China‘s Tianjin Municipality(直辖市) has started a ―Blue Sky Project‖ to control the airpollution. Under the project requirements, the air quality inTianjin is expected to measure up to the national standard by 2007, when two thirds of days in the year will enjoy fairly good or excellent air quality. In order to achieve the goal, Tianjin will take a series of measures such as controlling the use of coal, reducing the dust floating from construction sites, planting trees along the major streets, and replacing petrol with liquid natural gas as the fuel for vehicles. Since people paid little attention to the environmental protection, the air quality in Tianjin has worsened during the past decade. The project has received wide praise and support from the natives. *The newly-discovered ―Great Wall‖ in southChina‘s Hunan ProvincNE-HEe will open to visitors in the near future. ―We will try to make it an internationally famous attractionfor tourists, ‖ said Yuan Xinhua, director of the Hunan Provin cial Tourism Administration(管理局). The main part of the 190-km ―Southern China Great Wall‖ is locatedin Fenghuang County in western Hunan. Built during the MingDynasty(1368—1644)by the local Miaominority people, the Southern China Great Wall is 2.3 m high and 1.7 m wide.*The Chinese have been enjoying themselves by sightseeing ortraveling during the Spring Festival this year rather than engaging inthe traditional gathering of relatives and friends at home. In the past five days, over 200 000 Beijingers spent the one-week Spring Festival holiday shopping in Tianjin. Low prices of consumer(消费) goods and the convenient railway service enable Beijingers tovisit the neighboring city during the day. Meanwhile unlike previous years, an increasing number of Tianjiners went to Beijing during the Spring Festival to visit places of interest in the capital. Tourism had been heating up in the last few years. An increase in income and longer holidays have made it possible for Chinese to relax after a year of work.1. If ―Blue Sky Project‖ is completed ________.A. there will be no air pollution in TianjinB. the natives can enjoy good air quality most of the yearC. liquid natural gas will have taken the place of coal and petroD. people will pay less attention to environmental protection2. According to Mr. Yuan from Hunan, the opening of the SouthernChina Great Wall is a good way to ________.A. rebuild the wallB. help local Miao minority peopleC. discover the historyD. arouse foreigners‘ interest3. The Chinese would like to go sightseeing or travel during theSpring Festival this year mainly because ________.A. prices are higher in their native placesB. railway service is getting better and betterC. they are tired of meeting relatives and friends at homeD. they have longer holidays and more money【答案与解析】本文介绍了国家的三个不同方面的建设计划项目。

金融英语阅读教程课后练习题含答案学习金融英语是一个不断提高自己的过程，需要我们不断阅读、理解并练习。

本文将为大家提供几道关于金融英语阅读的课后练习题，希望大家可以通过这些题目进一步掌握金融英语的核心概念。

练习题1.Which of the following describes a bear market in finance?• A. High stock prices• B. Low stock prices• C. Consistently steady stock prices2.What is the definition of a bond?• A. A type of stock• B. An investment that represents a loan made by an investor to a borrower• C. A type of currency3.What is the role of a stockbroker?• A. They lend money to individuals or businesses• B. They help investors buy and sell stocks and other securities• C. They are responsible for printing and distributing financial statements to investors4.What is the difference between a stock and a mutual fund?• A. A stock represents ownership in a single company; a mutual fund is a collection of stocks and other investments• B. A stock is a type of bond; a mutual fund is a type of stock• C. A stock is a type of currency; a mutual fund is a type of commodity5.What is the purpose of the Department of the Treasury?• A. To regulate the stock market• B. To collect taxes and manage government finances• C. To oversee the Federal Reserve答案1.B. A bear market is characterized by a drop in stock pricesover a sustned period of time.2.B. A bond is a debt security that represents a loan made byan investor to a borrower, typically a corporate or government entity.3.B. Stockbrokers help investors buy and sell stocks, bonds,and other securities. They also provide advice and research to help clients make informed investment decisions.4.A. Stocks represent ownership of a single company, whilemutual funds are a collection of investments, including stocks.5.B. The Department of the Treasury is responsible forcollecting taxes and managing the finances of the federalgovernment. They also oversee the production of currency andmanage the national debt.总结以上是几道关于金融英语阅读的练习题及其答案。

金融英语综合阅读第二版课后答案1、—Does your grandpa live ______ in the country?—Yes. So I often go to visit him so that he won’t feel ______. （）[单选题] *A. alone; aloneB. lonely; lonelyC. lonely; aloneD. alone; lonely(正确答案)2、100．The bus can ______ you to the Great Wall. [单选题] *A．leaveB．take(正确答案)C．changeD．spend3、Betty works as a waitress to earn money for her education. [单选题] *A. 服务员(正确答案)B. 打字员C. 秘书D. 演员4、It' s a pity that we have to stay at home when we are having（）weather. [单选题] *A. so fineB. so fine aC. such fine(正确答案)D. such a fine5、John had planned to leave, but he decided to stay in the hotel for（）two days because of the heavy rain. [单选题] *A. otherB. the otherC. another(正确答案)D. others6、58．—How much is Lucy's skirt?—She________320 yuan for it. I think it's a little dear. [单选题] *A．tookB．paid(正确答案)C．spentD．bought7、Generally speaking, it is _______ to ask a woman’s age in western countries. [单选题] *A. possibleB. importantC. not polite(正确答案)D. polite8、--What would you like to say to your _______ before leaving school?--I’d like to say"Thank you very much!" [单选题] *A. workersB. nursesC. waitersD. teachers(正确答案)9、Don’t ______. He is OK. [单选题] *A. worriedB. worry(正确答案)C. worried aboutD. worry about10、He has bought an unusual car. [单选题] *A. 平常的B. 异常的(正确答案)C. 漂亮的D. 废弃的11、Seldom _____ in such a rude way. [单选题] *A.we have been treatedB. we have treatedC. have we been treated(正确答案)D. have treated12、—Tony, it’s cold outside. ______ wear a jacket?—OK, mom.（）[单选题] *A. Why not(正确答案)B. Why don’tC. Why did youD. Why do you13、If it _______ tomorrow, I won’t go there. [单选题] *A. rains(正确答案)B. is rainingC. will rainD. would rain14、Li Lei often takes a walk early ______ the morning.（）[单选题] *A. atB. onC. in(正确答案)D. for15、John Smith is _______ of the three young men. [单选题] *A. strongB. strongerC. the strongerD. the strongest(正确答案)16、It’s windy outside. _______ your jacket, Bob. [单选题] *A. Try onB. Put on(正确答案)C. Take offD. Wear17、23．Susan doesn’t like cartoons. She would rather ______ Space War”. [单选题] *B．seesC．seeingD．to see18、14．He is cutting the apple ________ a knife. [单选题] *A．inB．toC．with(正确答案)D．by19、34．My mother isn't in now, but she will be back ______ ten minutes. [单选题] *A．forB．beforeC．in(正确答案)D．at20、They lost their way in the forest, and _____ made matters worse was night began to fall. [单选题] *A. thatB. itD. which21、Tom’s mother will let him _______ traveling if he comes back?in five days. [单选题] *A. to goB. goesC. wentD. go(正确答案)22、_____ Lucy _____ Lily has joined the swimming club because they have no time. [单选题] *A. Not only; but alsoB. Neither; nor(正确答案)C. Either; orD. Both; and23、She has no idea of what the book is about. She_______ have read it carefully. [单选题]*A. Can’t(正确答案)B. mustn’tC. shouldn’tD. needn’t24、I usually read English _______ six o’clock _______ six thirty in the morning. [单选题] *A. from;?atB. from; to(正确答案)C. at; atD. at; to25、There _______ no water or milk in the fridge. [单选题] *A. is(正确答案)B. areC. hasD. have26、Miss Smith is a friend of _____. [单选题] *A. Jack’s sister’s(正确答案)B. Jack’s sisterC. Jack sister’sD. Jack sister27、—These shoes look cool. ______ are they?—They are on sale, only $（）[单选题] *A. How much(正确答案)B. How longC. How manyD. How soon28、37．—What will you be ___________?—I'm not sure. Maybe I'll be a doctor like my father. [单选题] *A．right nowB．in the future(正确答案)C．at onceD．at the moment29、3．Shanghai is my hometown. It’s ________ China. [单选题] *A．nearB．far away fromC．to the east ofD．in the east of(正确答案)30、If by any chance someone comes to see me, ask him to leave a _____. [单选题] *A. message(正确答案)B. letterC. sentenceD. notice。

考研英语经济类阅读理解及答案解析考研英语经济类阅读理解及答案：SALLIE KRAWCHECKCEO of Citigroups new Smith Barney unitAS A TRACK STAR in high school, Sallie Krawcheck ranked among her states best at the high jump. But she hasnt jumped for anyone since, and her unshakable independence has propelled her career on Wall Street to heights unimaginable to a girl coming of age in Charleston, S.C., in the 1970s. Then, Krawcheck--always an outstanding student--thought mostly of cheerleading and "dating the coolest boy," she acknowledges. "She was in danger of becoming terminally cute," recalls her high school guidance counselor, Nancy Wise, who recognized Krawchecks potential early and stoked her business ambitions. Today Krawcheck, 37, is one of the most powerful women in the corporate world and a rising star.How far she climbs depends on how well she meets her latest challenge: closing the credibility gap at financial-services giant Citigroup, after government inquiries put a cloud over the firms reputation--and its stock. Krawcheck was hired in October from the independent stock-research firm Sanford C. Bernstein (where she was CEO) to be Citis designated savior. Citigroups proud CEO, Sanford Weill, personally wooed her, reorganizing a large chunk of Citi around her. Krawcheck is now CEO of a reconstitutedSmith Barney, which encompasses Citis stock-research andretail-brokerage operations.This large stage leaves Krawcheck outwardly undaunted. Shes relaxed and confident, with a self-deprecating sense of humor. She says shes "incredibly insecure," and has had nightmares in which she fails to win the respect of her new colleagues. But this soft-spoken humility belies a toughness present from the start. Daughter of a lawyer and sister of three more, Krawcheck learned early on to substantiate her assertions--or keep quiet."It used to get quite interesting around the dinner table," says her father Lenny, who practices law in Charleston. "Politics, relationships--you name it. It was every man for himself and awful tough to make your point." Jokes Sallie: "None of us could get a friend to come over for dinner."Krawcheck earned a journalism degree from the University of North Carolina and an M.B.A. from Columbia University. She went to work at Salomon Brothers but soon moved to Donaldson, Lufkin Jenrette, where she met her husband Gary Appel. In 1994 Krawcheck moved to Bernstein and dived into stock research. She began covering financial-services firms in 1997 and immediately became the most influential analyst in that field. During those years, Krawcheck earned Weills ire--and respect when she was later proved correct--by dwelling on the pitfalls of Weills acquisition of Salomon~~~~~~~~By Daniel Kadlec Time; 12/2/2002, Vol. 160 Issue 23, p52, 1/2p, 1c注(1)：*选自Time; 12/2/2002, p52, 1/2p, 1c;注(2)：*习题命题模仿对象2003年真题Text 2;1. The author begins his article by __________.[A]making a comparison[B]posing a contrast[C]justifying an assumption[D]explaining a phenomenon2. Krawcheck was chosen the CEO of the Smith Barney because___________.[A]the CEO of the Citigroup trusted her[B]she was thought to be able to save Citigroup out of trouble[C]she has wonderful experience in this field[D]she is the new rising star3. Krawchecks success depends on ___________.[A]how well she can regain the firms reputation[B]how well she can save the firms credibility crisis[C]how well she can raise the firms stock[D]how well she can fulfill her own plan and aim4. The previous days Krawcheck spent at home are mentioned to show that __________.[A] Krawcheck knows well how to prove her ideas[B] family members are always on different sides.[C]there is an air of freedom at Krawchecks home[D]they have a variety of topics at dinner5.From the text we learn that Krawcheck is ___________.[A]humorous[B]soft-hearted[C]sensitive[D]strong-minded答案：ABBAD篇章剖析*记述了萨利克劳切克成功的职业生涯。