Topic02-Financial Environment

Green Finance and Its Impact on EconomicGrowthIn the contemporary era, the intersection of finance and sustainability has gained significant attention, leading to the emergence of green finance. Green finance, an innovative financial approach, aims to promote environmental protection and sustainable development by redirecting capital flows towards eco-friendly projects and initiatives. This shift not only addresses environmental concerns but also presents new opportunities for economic growth.The fundamental premise of green finance is to align financial decisions with environmental and social objectives. It involves the mobilization of private and public capital to finance projects that have positive environmental impacts, such as renewable energy, sustainable transportation, and waste management. By doing so, green finance not only reduces the environmental footprint of economic activities but also creates new jobs, industries, and technologies that contribute to economic growth.One of the most significant impacts of green finance on economic growth is its ability to drive innovation. As capital flows towards green projects, it encourages businesses and research institutions to invest in clean technologies and sustainable business models. This innovation, in turn, leads to the creation of new products, services, and markets that contribute to economic expansion. For instance, the development of renewable energy sources has created jobs in the manufacturing, installation, and maintenance of solar panels, wind turbines, and other clean energy technologies.Moreover, green finance can also enhance the resilience of the economy to environmental risks. As climate changeand environmental degradation pose increasing threats to economic stability, green finance can help mitigate these risks by financing projects that reduce carbon emissions, adapt to climate change, and protect ecosystems. Bybuilding resilience, green finance contributes to the long-term sustainability and growth of the economy.Another key aspect of green finance is its potential to attract foreign investment. As the world increasinglyrecognizes the importance of sustainability, investors are looking for opportunities in green projects and businesses. By developing a robust green finance framework, countries can attract foreign capital, which can provide additional funding for green projects and contribute to economic growth.However, it is worth noting that the implementation of green finance also poses certain challenges. Ensuring the effective allocation of capital towards sustainableprojects requires robust regulatory frameworks, transparent disclosure standards, and strong institutions. Additionally, the transition to a green economy may involve costs and adjustments for businesses and consumers, which need to be carefully managed to avoid any negative impacts on economic growth.In conclusion, green finance presents a unique opportunity to align economic growth with environmental sustainability. By redirecting capital flows towards eco-friendly projects, it can drive innovation, enhance economic resilience, and attract foreign investment. However, to fully harness its potential, it is essential toaddress the challenges associated with its implementation and ensure that green finance is integrated into national development strategies.**绿色金融对经济增长的影响**在当今时代，金融与可持续发展的交汇点引起了广泛关注，从而催生了绿色金融。

2022年全国商务英语专业四级考试真题全文共3篇示例，供读者参考篇12022 National Business English Professional Level 4 ExaminationPart I Listening Comprehension (30%) (30 points)Section ADirections: In this section, you will hear 10 short conversations. At the end of each conversation, a question will be asked about what was said. Both the conversation and the question will be spoken only once. After each question, there will be a pause. During the pause, you must read the four choices 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.1. A) Over the telephone.B) At his office.C) Elsewhere.D) In a restaurant.2. A) They admire it.B) They like it.C) They don't like it.D) They don't understand it.Section BDirections: In this section, you will hear 3 passages. At the end of each passage, you will hear some questions. Both the passage 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 Sheet with a single line through the center.Passage One3. A) A watchmaker.B) A mechanic.C) A photographer.D) A psychologist.4. A) Replaced another man's watch.B) Repaired the man's watch.C) Cleaned the man's watch.D) Wore the man's watch.Passage TwoQuestions 5 to 7 are based on the passage you have just heard.5. A) The significance of making a phone call.B) The importance of good telephone manners.C) The pleasure of answering a call.D) The problem of not making a phone call.6. A) You know the person you are calling from a restoration advertisement.B) A friend asked you to call the person.C) You were referred by someone else.D) You were told to call the person by the person you know.7. A) That the receiver of your call is too busy to talk to you.B) You are going to call the recipient again.C) You apologize for calling.D) You must hang up now.Passage Three8. A) At Novotel.B) At the apartment building.C) At a restaurant.D) At the airport.Part II Reading Comprehension (40%) (40 points)Section ADirections: In this section, there is a passage with 5 questions or incomplete statements. For each of them, there are four choices marked A), B), C) and D). You should decide on the best choice and mark the corresponding letter on the Answer Sheet with a single line through the center.Passage OneQuestions 9 to 13 are based on the following passage.The United States is a very young nation. However, in the country's relatively short history, it has been remarkably successful at making the business and financial environmentstand as a pillar of the economy. This states why the US has adopted the dollar as its official currency. How did it get that way?Many years ago, before the Revolution, each of the 13 colonies that would one day become the US had its own form of money. These were often coins brought over by colonists from European countries. Often, these coins were not of the same quality as the British coins and were often not accepted at equal value. Some colonies even started printing their own paper money. This situation led to a chaotic financial system where the value of money could differ depending on where you were.By the time the Revolutionary War started in the 1770s, Britain was well aware of the colonies' financial issues and printed large numbers of paper money to destabilize the colonial economy. In fact, British counterfeiting played a large role in the colonies' ensuing economic instability. One of the few things that tied the separate colonies together was the necessity of trade between them. This trade relied heavily on bartering goods, as the separate forms of money were often not accepted or were worth less in different colonies.9. This states why the US has adopted the dollar as its official currency.A) The US has been remarkably successful at making the business and financial environment stand as a pillar of the economy.B) Many years ago, before the Revolution, each of the 13 colonies had its own form of money.C) The colonies' financial issues and British counterfeiting played a large role in the ensuing economic instability.D) One of the few things that tied the separate colonies together was the necessity of trade between them.10. These were often coins brought over by colonists from European countries.A) These coins were not often of the same quality as the British coins and were often not accepted at equal value.B) These coins were often of the same quality as the British coins, and they were often accepted at equal value.C) The US has been remarkably successful at making the business and financial environment stand as a pillar of the economy.D) The value of money could differ depending on where you were.Section BDirections: There are 5 passages in this section. Each passage is followed by 3 to 5 questions or incomplete statements. For each of them, there are four choices marked A), B), C) and D). You should decide on the best choice and mark the corresponding letter on the Answer Sheet with a single line through the center.Passage OneQuestions 14 to 17 are based on the following passage.If you are in a business and looking to graduate in Business English or simply want to enhance your skills in a specific part of the business world, studying Business English can be rewarding. One of the benefits of studying Business English is its networking ability. You meet professionals you can associate with in your business sphere. Also, it opens up career opportunities with international organizations that cannot ignore the importance of English in today's business world.14. What does the passage mainly discuss?A) The benefits of studying Business English.B) The importance of business networking.C) Career opportunities in international organizations.D) The necessity of English in today's business world.15. Why is studying Business English rewarding according to the passage?A) It gives professionals the opportunity to associate with others in the business world.B) Business English is easy to learn and understand.C) There are many different classes to take.D) It allows you to learn about different languages.16. Who are professionals that Business English learners can associate with?A) People who work in the fashion industry.B) People who work in the same city.C) People who work in the same company.D) People who work in the business sphere.Section CDirections: There are 2 passages in this section. Each passage is followed by some questions or unfinished statements. For each of them, there are four choices marked A), B), C) and D). You should decide on the best choice and mark the corresponding letter on the Answer Sheet with a single line through the center.Passage OneQuestions 18 to 20 are based on the passage you have just heard.18. A) You are staying in town for a while.B) You are going to France.C) You'd been here since yesterday.D) You are waiting for a friend.Part III Translation (15%) (15 points)Directions: In this section, you are required to translate a passage from Chinese into English. You should write your answer on the Answer Sheet.Part IV Writing (15%) (15 points)Directions: For this part, you are required to write an essay on the topic:"Advantages and Disadvantages of Online Business English Courses."You should write at least 150 words but no more than 200 words.You are required to use the information given below:Advantages:1. Flexibility in scheduling.2. No need to travel to a physical classroom.3. Access to updated materials and resources.4. Ability to learn at your own pace.Disadvantages:1. Lack of face-to-face interaction.2. Limited opportunities for networking.3. Potential tech issues during the course.4. Less personalized guidance from teachers.Please provide your answer on the Answer Sheet.---This is just a sample of the format and content that may be found in the 2022 National Business English Professional Level 4 Examination. The actual exam may differ in the number of questions and topics covered, but this gives you a good idea of what to expect on the exam day. Good luck with your preparation and hope this document helps you in your studies.篇22022 National Business English Test for Majors (Level 4) - Writing TestPart I: Writing (50 points)Directions: For this part, you are allowed 30 minutes to write an essay on the topic ofE-commerce in the Post-COVID Era. You should write at least 150 words but no more than 200 words.E-commerce in the Post-COVID EraWith the outbreak of COVID-19, the world economy has been greatly impacted, and traditional business models have faced unprecedented challenges. However, e-commerce has emerged as a bright spot in the midst of the crisis. In thepost-COVID era, the development of e-commerce is expected to accelerate further.Firstly, the pandemic has changed consumers' habits and preferences. With restrictions on offline shopping and social distancing measures in place, more consumers have turned to online shopping for their daily needs, leading to a surge ine-commerce transactions. As a result, businesses have had to adapt to this shift by expanding their online presence and enhancing their digital marketing strategies.Secondly, the pandemic has highlighted the importance of supply chain resilience. The disruptions caused by the virus have forced businesses to re-evaluate their supply chain strategies and prioritize the digitization of their operations. E-commerce platforms provide a solution by offering a more flexible and agile supply chain model that can better respond to sudden changes in demand.In conclusion, e-commerce has proven to be a vital lifeline for businesses during the pandemic, and its significance will only continue to grow in the post-COVID era. Companies that embrace digital transformation and invest in e-commerce capabilities will be best positioned to thrive in the new normal.Overall, the 2022 National Business English Test for Majors (Level 4) provides a comprehensive assessment of students' language proficiency and practical skills in the field of business.By testing students' ability to communicate effectively in English and analyze business-related topics, the exam helps to ensure that graduates are well-equipped to succeed in the competitive global marketplace. With a focus on real-world scenarios and practical skills, the exam enables students to apply their knowledge to real-world business challenges and opportunities.篇32022 National Business English Professional Level 4 ExamPart I Reading Comprehension (25 points)Directions: In this part, there are four passages. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A, B, C and D. You should decide on the best choice and mark the corresponding letter on the Answer Sheet with a single line through the center.Passage 1The London Metropolitan University LibraryThe London Metropolitan University Library is open 24 hours a day, every day of the year. It is a very high-tech library – withover 500 PCs, and WiFi available throughout. Students can access all the usual library databases and also e-books.There are quiet zones and group-study areas, as well as a large learning space. There are also 20 group-study rooms that can be booked for up to 2 hours at a time.The library staff are always willing to help and can be found at the library help desk, or by booking an appointment at the ask a librarian service.Questions:1. What is special about the London Metropolitan University Library?A. It is open 24 hours a day.B. It has over 500 PCs.C. It has quiet zones and group-study areas.D. All of the above.2. How can students access e-books at the library?A. By making an appointment with the librarian.B. By booking a group-study room.C. By using the library databases.D. By WiFi.3. How can students book a group-study room?A. They can book online.B. They can book up to 2 days in advance.C. They can book for up to 2 hours at a time.D. All of the above.4. Where can students find the library staff?A. In the group-study areas.B. At the library help desk.C. By accessing WiFi.D. By booking an appointment online.Passage 2Job Application - Customer Service RepresentativeWe are currently looking for a Customer Service Representative to join our team. This position is responsible for providing exceptional customer service to our clients, both in person and over the phone.Key Responsibilities:• Responding to customer inquiries in a timely manner• Handling customer complaints and resolving issues efficiently• Maintaining a high level of pr oduct knowledge• Assisting customers with product selection• Processing orders and tracking shipments• Performing other duties as assignedQualifications:• High school diploma• 1-2 years of customer service experience• Str ong communication and interpersonal skills• Proficiency in Microsoft Office Suite• Ability to work in a fast-paced environmentPlease submit your resume and cover letter to*******************.Onlyqualifiedcandidateswillbe contacted.Questions:5. What is the main responsibility of the Customer Service Representative?A. Responding to customer inquiriesB. Handling customer complaintsC. Maintaining product knowledgeD. Performing other duties6. What qualifications are required for this position?A. A bachelor's degreeB. 3-5 years of customer service experienceC. Proficiency in Adobe Creative SuiteD. Strong communication skills7. How can candidates apply for the position?A. By submitting a resume and cover letter to*******************B. By contacting the customer service department directlyC. By meeting with the hiring manager in personD. By completing an online assessment test8. What happens to candidates who are not qualified?A. They will be assigned other duties.B. They will be contacted for an interview.C. They will be asked to submit additional documents.D. They will not be contacted.Part II Vocabulary and Structure (25 points)Directions: There are ten multiple choice questions in this part. For each of the following sentences, there are four choices marked A, B, C and D. You should decide on the best choice and mark the corresponding letter on the Answer Sheet with a single line through the center.9. Peter is _______ Chicago, but he will be back next week.A. inB. atC. onD. from10. Sara _______ to the gym every day to keep fit.A. goesB. is goingD. went11. The new restaurant in town is known for its _______ service and delicious food.A. excellentB. excellentlyC. excellenceD. excellency12. _______ you study harder, you will fail the exam.A. If notB. If don'tC. Don't ifD. If don't13. The manager told us that the project _______ completed by the end of the week.A. will beB. is beingC. will have been14. I am interested _______ learning a new language.A. onB. inC. atD. of15. She has been working at her current job _______ three years.A. sinceB. forC. duringD. from16. The company has _______ a new policy to reduce waste.A. put onB. put inC. put asideD. put forward17. _______ the weather is nice, we will have a picnic in the park.A. UnlessB. NeverthelessC. HoweverD. Provided18. He can _______ his bike to school if he wants.A. rideB. to rideC. ridingD. riddenPart III Reading Comprehension (25 points)Directions: There are four reading passages in this part. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A, B, C and D. You should decide on the best choice and mark the corresponding letter on the Answer Sheet with a single line through the center.Passage 1Communication Skills for Business SuccessEffective communication is essential for success in the business world. Whether you are interacting with clients, colleagues, or supervisors, good communication skills can help you build relationships, convey information effectively, and achieve your goals.Some key communication skills for business success include active listening, clear and concise speaking, and the ability to adapt your communication style to different situations. By improving your communication skills, you can enhance your professional image, avoid misunderstandings, and increase productivity.Questions:19. What is essential for success in the business world?A. Good communication skillsB. Technical knowledgeC. Leadership abilitiesD. Sales experience20. What are some key communication skills for business success?A. Writing reportsB. Giving presentationsC. Active listeningD. Interpreting data21. Why is it important to adapt your communication style to different situations?A. To make a good impressionB. To convey information effectivelyC. To avoid misunderstandingsD. All of the above22. How can improving communication skills help in the business world?A. Enhance professional imageB. Increase productivityC. Avoid misunderstandingsD. All of the abovePassage 2Global Business EtiquetteIn today's global business environment, it is important to be aware of cultural differences and practice good business etiquette. By understanding and respecting the customs and norms of different countries, you can build strong relationships with international clients and partners.Some key aspects of global business etiquette include greeting customs, communication styles, and dining etiquette. By learning about these cultural differences and adapting your behavior accordingly, you can avoid misunderstandings and show respect for your international counterparts.Questions:23. Why is it important to practice good business etiquette in the global business environment?A. To build strong relationshipsB. To avoid cultural differencesC. To increase salesD. To gain a competitive advantage24. What are some key aspects of global business etiquette?A. Dress codeB. Greeting customsC. Technical skillsD. Financial knowledge25. How can understanding cultural differences benefit your business relationships?A. Avoid misunderstandingsB. Increase salesC. Improve communicationD. All of the above26. What is the purpose of adapting your behavior to different cultures?A. To show respectB. To gain a competitive advantageC. To avoid misunderstandingsD. To increase productivityPart IV Dialogue Completion (25 points)Directions: In this part, there are five incomplete dialogues followed by four choices marked A, B, C and D. Choose the bestoption for each blank and mark the corresponding letter on the Answer Sheet with a single line through the center.27. Clerk: Good morning, how can I help you?Customer: _______A. I'm looking for a dress for a wedding.B. I'm fine, thanks.C. I'm sorry, I can't do this right now.D. I have an appointment at 2 o'clock.28. Manager: I have a meeting with the client at 3 pm.Employee: _______A. I'll get there on time.B. I'm not available then.C. I'm sorry, I forgot about it.D. I'll see you tomorrow.29. Colleague 1: Did you finish the report?Colleague 2: _______A. Yes, I'll send it to you now.B. No, I left it at home.C. Yes, I have a copy.D. No, I forgot to print it.30. Salesperson: Would you like to try our new product? Customer: _______, I'm allergic to peanuts.A. SureB. Yes, pleaseC. No, thank youD. Maybe later31. Interviewer: Why should we hire you for this position? Candidate: _______A. I have a lot of experience in the industry.B. I need a job.C. Because I want to work here.D. I don't know.Part V Writing (25 points)Directions: In this part, you are required to write an essay of about 200 words on the topic given below. Your essay should be well-organized, and support your ideas with examples.Topic: The Importance of Networking in BusinessIn today's competitive business world, networking plays a crucial role in building relationships and advancing your career. Networking allows you to connect with professionals in your industry, share ideas, and learn from others' experiences. By attending networking events, conferences, and seminars, you can expand your contacts and stay informed about industry trends.Networking can also lead to new business opportunities, partnerships, and collaborations. By building a strong network of contacts, you can increase your visibility in the industry and create new pathways for growth and success. Additionally, networking enables you to exchange information, seek advice, and gain valuable insights that can help you develop professionally.In conclusion, networking is an essential tool for business professionals to build relationships, expand their knowledge, and advance their careers. By actively participating in networking activities, you can create opportunities for personal andprofessional growth, and enhance your success in the competitive business world.Overall, the 2022 National Business English Professional Level 4 Exam covers a wide range of topics related to business communication, etiquette, and networking. It tests candidates' proficiency in reading comprehension, vocabulary and structure, and dialogue completion. By preparing thoroughly for the exam and practicing regularly, candidates can improve their skills and achieve success in the business English field. Good luck to all the candidates!。

金融丛林法则英语作文In the world of finance, the jungle law reigns supreme. It is a relentless and unforgiving ecosystem, where the strong survive and the weak perish. This law, often likened to the natural laws of the jungle, dictates the survival of the fittest and the constant pursuit of growth and profit. In this financial jungle, every player is constantly on the lookout for opportunities to expand their territory, increase their wealth, and secure their position. The market is a vast and unpredictable territory, filled with hidden dangers and unexpected turns. One must be vigilant and agile, ready to adapt to changing conditions and seize opportunities when they arise.The financial jungle is also a highly competitive environment. Players must constantly compete with each other to gain an edge, whether it's through innovative strategies, unique investments, or clever negotiations. The weak and unprepared are quickly overwhelmed and lose their footing in this relentless competition.However, it's not all about survival and competition. The financial jungle also thrives on collaboration and cooperation. Players often form alliances and partnershipsto pool resources, share risks, and achieve common goals. This collaboration can lead to mutual growth and prosperity, strengthening the overall ecosystem.Risk is another inherent part of the financial jungle. Players must be willing to take calculated risks in pursuit of greater rewards. While these risks can lead tosignificant losses, they also offer the potential for tremendous gains. It's a delicate balance that requireskeen instincts and a thorough understanding of the market.The financial jungle law is not just a metaphor; it's a reality that shapes the decisions and actions of players in the financial world. It's a constant reminder that success requires strength, agility, collaboration, and risk-taking. In this jungle, only the strongest and most adaptable will survive and thrive.In conclusion, the financial jungle law is a powerful force that drives the dynamics of the financial world. It's a law that demands constant vigilance, innovation, andrisk-taking. It's a law that rewards those who are strong, agile, and willing to collaborate with others. In this financial jungle, the only way to succeed is to embrace the law and use it to your advantage.**金融丛林法则**在金融世界里，丛林法则占据着主导地位。

构建良好金融环境英文作文English:Building a Sound Financial Environment。

Creating a robust financial environment is crucial for fostering economic growth and stability. A well-functioning financial system not only facilitates the allocation of resources but also encourages investment and entrepreneurship. Let's delve into the key aspects of building such an environment.Firstly, transparency and accountability are paramount. Financial institutions must operate with transparency, providing clear and accurate information to investors and stakeholders. This ensures trust and confidence in the system. For instance, in my country, the government has implemented strict regulations requiring banks to disclose their financial statements regularly. This practice enhances transparency and helps identify any potentialrisks early on.Moreover, regulatory oversight plays a crucial role in maintaining stability. Effective regulation ensures that financial institutions adhere to prudent practices andavoid excessive risk-taking. In the United States, afterthe financial crisis of 2008, regulatory bodies such as the Securities and Exchange Commission (SEC) have been granted expanded powers to monitor and regulate financialactivities more rigorously. This has helped in restoring trust in the financial system and preventing similar crises.Furthermore, promoting financial literacy among the populace is essential. People need to understand basic financial concepts such as budgeting, saving, and investing. In my community, various initiatives, such as workshops and seminars, are conducted to educate individuals about managing their finances effectively. This empowers them to make informed decisions and avoid falling into debt traps.In addition, fostering innovation in financial services is crucial for adapting to changing market dynamics.FinTech companies, for example, have revolutionized the way we transact and manage our finances. These innovations not only improve efficiency but also enhance accessibility, particularly for underserved communities. Take mobile payment systems as an example; they have gained widespread popularity due to their convenience and ease of use.Lastly, promoting financial inclusion is essential for ensuring that everyone has access to financial services. In many developing countries, a significant portion of the population remains unbanked or underbanked. Initiatives such as microfinance programs and mobile banking have been instrumental in bringing banking services to remote areas. This not only helps individuals manage their financesbetter but also stimulates economic growth by enabling small businesses to access capital.In conclusion, building a sound financial environment requires a multifaceted approach encompassing transparency, regulation, education, innovation, and inclusion. By addressing these key aspects, we can create a financial ecosystem that promotes economic prosperity and resilience.中文：构建良好的金融环境。

第1篇一、自我介绍1. Good morning/afternoon, esteemed interviewers. My name is [Your Name], and I am honored to be here today for this interview. I graduated from [Your University] with a degree in [Your Major]. During my academic years, I have been actively involved in [mention any significant extracurricular activities or clubs].2. I have always been passionate about [mention any relevant field or area of interest]. This passion led me to participate in [mention any internships, research projects, or work experience related to the field of finance or banking]. Through these experiences, I have gainedvaluable insights into the financial industry and developed skills such as [mention specific skills gained].3. In addition to my academic and professional background, I am also a [mention any relevant personal qualities or characteristics that wouldbe beneficial in a banking environment, such as teamwork, communication skills, or problem-solving abilities].二、综合分析1. The global financial crisis of 2008 had a profound impact on the banking industry. Discuss the key factors that contributed to the crisis and the measures taken by governments and financial institutions to mitigate its effects. How do you think these measures have shaped the current regulatory environment in the banking sector?2. Financial technology (FinTech) is rapidly transforming the banking industry. What are the potential benefits and challenges of FinTech for traditional banks? How do you think banks can adapt to this changing landscape to remain competitive?三、专业题1. As a regulator in the banking sector, explain the role of capital adequacy requirements. How do these requirements ensure the stabilityand resilience of financial institutions?2. Discuss the key principles of the Basel III framework. How do these principles aim to enhance the risk management practices of banks?四、英语听说能力1. Listen to the following passage about the impact of climate change on the financial sector. After listening, answer the following questions:- What are the potential financial risks associated with climate change?- How can financial institutions mitigate these risks?2. You are a bank employee and have noticed suspicious transactions in a customer's account. Explain how you would handle this situation, following the bank's anti-money laundering (AML) procedures.五、求职动机与拟任职位匹配性1. Why do you want to work for the China Banking Regulatory Commission (CBRC)? What are your long-term career goals, and how do you see your role at the CBRC contributing to these goals?2. The CBRC plays a crucial role in ensuring the stability and soundness of the banking system. How do you think your skills and experiences make you a suitable candidate for this position?六、金融相关常识性专业知识1. Explain the concept of credit risk and how it is managed in the banking industry.2. Discuss the role of the central bank in the financial system and its main functions.七、情境应变1. You are a new employee at the CBRC and have been assigned to aproject that requires coordination with multiple departments. However, you have encountered difficulties in communication and collaboration. How would you address these challenges and ensure the successful completion of the project?2. You are attending a meeting with international delegates to discuss regulatory cooperation. During the meeting, a delegate raises a question about a specific regulatory issue. How would you respond to their query, demonstrating your knowledge of the subject and your ability to communicate effectively in a multicultural environment?八、英语口语表达1. Prepare a short presentation on a topic related to the banking industry, such as the importance of financial literacy or the impact of digital banking on consumer behavior. Practice your presentation and be prepared to deliver it in English.2. Imagine you are a bank manager and need to address a group of employees about a new policy or initiative. Write a short speech in English that outlines the key points of the policy and emphasizes its importance to the organization.By preparing for these English interview questions, you will be well-equipped to demonstrate your skills, knowledge, and enthusiasm for a career at the China Banking Regulatory Commission. Good luck!第2篇一、自我介绍1. 题目：Please introduce yourself in English, including your education background, work experience, and reasons for applying to the China Banking Regulatory Commission.参考答案：Good morning/afternoon, esteemed interviewers. My name is [Your Name], and I am honored to be here today for this interview. I graduated from [Your University] with a Bachelor's degree in [Your Major]. During my college years, I actively participated in various activities, which helped me develop strong teamwork and communication skills.After graduation, I worked at [Your Company] for [X years], where I gained valuable experience in [Your Field]. My job responsibilitiesincluded [List your key responsibilities], which allowed me to understand the industry and enhance my professional skills.I am applying to the China Banking Regulatory Commission because I am passionate about the financial industry and believe that my background and skills are a good match for this position. I am excited about the opportunity to contribute to the stability and development of the financial sector in China.2. 题目：What are your strengths and weaknesses, and how do you plan to improve them?参考答案：In terms of strengths, I believe that my ability to work under pressure, strong problem-solving skills, and effective communication are my most significant assets. These qualities have helped me succeed in various projects and tasks in the past.However, like everyone, I have weaknesses. One of my weaknesses is that I tend to be overly meticulous, which sometimes delays my work. To improve this, I plan to set clear priorities and allocate my time more efficiently. Additionally, I will seek feedback from my colleagues and supervisors to help me identify areas for improvement.二、综合分析1. 题目：The global financial crisis in 2008 had a significant impact on the Chinese banking industry. What lessons did China learn from this crisis, and how has the industry adapted?参考答案：The global financial crisis of 2008 served as a wake-up call for the Chinese banking industry. From this crisis, China learned several important lessons, including the need for stronger risk management, increased transparency, and improved regulatory oversight.To adapt to these lessons, the Chinese banking industry has taken several measures. First, the regulatory authorities have strengthenedthe prudential regulations and risk management guidelines for banks. Second, financial institutions have increased their capital adequacy and improved their risk assessment models. Finally, there has been a greater emphasis on financial literacy and transparency among consumers.2. 题目：What are the challenges and opportunities for the Chinese banking industry in the next five years?参考答案：In the next five years, the Chinese banking industry faces both challenges and opportunities. Some of the key challenges include:1. Technological advancements: The rapid development of fintech and digital banking has disrupted traditional banking models. Banks need to adapt to these changes and embrace innovation to stay competitive.2. Regulatory environment: The regulatory landscape is continuously evolving, and banks must ensure compliance with new regulations to avoid penalties.3. Economic uncertainties: Global economic conditions can impact the Chinese banking industry, particularly in terms of credit risk.Despite these challenges, there are also opportunities for growth and development:1. Increase in consumer demand: As the middle class grows, there is a growing demand for financial services, such as personal loans, investment products, and wealth management.2. Expansion into new markets: The Chinese banking industry has the potential to expand its operations domestically and internationally, tapping into new markets and customer segments.3. Collaboration with fintech companies: Banks can leverage the expertise of fintech companies to improve their services and enhance customer experiences.三、专业知识1. 题目：Explain the concept of Basel III and its impact on banks.参考答案：Basel III is a set of international regulatory standards established by the Basel Committee on Banking Supervision (BCBS) to strengthen the regulation, supervision, and risk management of banks. It aims to improve the global financial system's resilience by addressing weaknesses exposed during the financial crisis.Basel III introduces several key changes, including:1. Higher capital requirements: Banks are required to hold more capital to cover potential losses, ensuring they have a stronger buffer against financial shocks.2. Enhanced liquidity standards: Basel III introduces liquidity standards to ensure that banks have sufficient liquid assets to meet their obligations during a crisis.3. Leverage ratio: The leverage ratio limits the amount of debt that banks can take on relative to their capital, preventing excessive leverage and risk-taking.The impact of Basel III on banks includes:1. Increased capital costs: Banks will need to raise more capital to meet the higher requirements, which may lead to higher funding costs.2. Improved risk management: Banks will need to enhance their risk management practices to comply with the new standards.3. Shift in business models: Some banks may need to reconsider their business models and focus on less risky activities to meet the new requirements.2. 题目：Discuss the role of the China Banking Regulatory Commission in the financial sector.参考答案：The China Banking Regulatory Commission (CBRC) plays a crucial role in the financial sector, primarily responsible for the supervision and regulation of banks and other financial institutions in China. Some of its key functions include:1. Supervision and regulation: The CBRC ensures that banks and other financial institutions comply with regulatory requirements and maintain the stability of the financial system.2. Licensing and approval: The CBRC is responsible for licensing new banks and financial institutions and approving changes to their business operations.3. Crisis management: The CBRC takes action to address financial crises, such as bank failures or liquidity shortages, to prevent further damage to the financial system.4. Policy formulation: The CBRC participates in the formulation of financial policies and regulations, contributing to the development and stability of the financial sector.5. International cooperation: The CBRC collaborates with international regulatory authorities to promote global financial stability and cooperation.四、英语题1. 题目：Please describe a situation where you had to work under pressure and how you handled it.参考答案：During my time at [Your Company], we were faced with a tight deadline to complete a major project. The pressure to deliver quality results was immense, but I managed to handle the situation effectively by following these steps:1. Prioritization: I identified the most critical tasks and focused on completing them first, ensuring that the project remained on track.2. Communication: I kept in touch with my team members, providing updates and seeking their input to ensure we were all on the same page.3. Time management: I used various time management techniques, such as the Pomodoro Technique, to stay focused and maintain productivity.4. Flexibility: I was open to adapting my approach and seeking help when needed, ensuring that we could overcome any obstacles.As a result, we successfully completed the project on time and received positive feedback from our clients.2. 题目：What is your understanding of the term "counterparty risk"? Please provide an example.参考答案：Counterparty risk refers to the risk that the counterparty to afinancial transaction may default on its obligations, resulting in a financial loss for the other party. This risk is prevalent in over-the-counter (OTC) derivatives markets, where transactions are not standardized and settled through a central counterparty.For example, suppose two banks enter into a credit default swap (CDS) contract, where Bank A sells a CDS to Bank B, insuring Bank B against the default of a third party, Company C. If Company C were to default, Bank A would be obligated to pay Bank B the amount specified in the CDS contract, which represents the counterparty risk for Bank A.To mitigate counterparty risk, financial institutions use various methods, such as collateral management, credit risk assessments, and limits on exposure to a particular counterparty.总结：以上是银监会英语面试题目及参考答案，希望对考生有所帮助。

“高职高专商务英语专业规划教材”Unit 1 Financial Market Research练习参考答案I.Read through the text and answer the following questions.1.A financial market is a mechanism that allows people to easily buy andsell (trade) financial securities (such as stocks and bonds), commodities (such as precious metals or agricultural goods), and other fungible items of value at low transaction costs and at prices that reflect the efficient-market hypothesis.2.The raising of capital ;the transfer of risk and international trade3.Capital markets,commodity markets,money markets, derivative markets,insurance markets and foreign exchange markets .4.Financial markets fit in the relationship between lenders andborrowers.5.Individuals, companies, governments, municipalities and publiccorporations.II. Paraphrase the following expressions or abbreviations and translate them into ChineseCheck the answers from the Special Term Lists.III. Fill in the blanks with the proper wordsThe global financial crisis, brewing for a while, really started to show its effects in the middle of 2007 and into 2008. Around the world stock markets have fallen, large financial institutions have collapsed or been bought out, and governments in even the wealthiest nations have had to come up with rescue packages to bail out their financial systems.On the one hand many people are concerned that those responsible for the financial problems are the ones being bailed out, while on the other hand, a global financial meltdown will affect the livelihoods of almost everyone in an increasingly inter-connected world. The problem could have been avoided, if ideologues supporting the current economics models weren’t so vocal, influential and inconsiderate of others’ viewpoints and concerns.IV.Translation.1.金融市场包括很多方面，包括资本市场，华尔街，甚至是市场本身。

入舵市安恙阳光实验学校Unit 2 The environment一、用所给单词的正确形式填空1. By thirteen, Farnsworth had become a self-taught (electricity)engineer.2.The rumour is beyond (believe) and only a child believe it is true.3.The sudden (arrive) of guests forced her to change her plans.4.I'd (appreciation) it if you would open the window for me.5.He doesn’t have a sense of _________(responsible) , so he isn’t popular with his classmates.6.China Telecom and China Unicom(电信和联通) also ________(operation)fixed-line businesses.7. Although she had only met the old man once ，he had made a deep (impress)on her.8.Each year Americans (consumption) a high percentage of the world's energy.9.If I may refer back to the problem we discussed, I think we shall stress on the ________(conserve) of our natural resource.10.It is not easy to ban _________( illegally) hunting in some mountainous areas.二、根据句意和汉语或首字母提示写出所缺单词的完全形式 1.He is a (顾问) on law affairs to the mayor.2.All rivers (流向) into the sea. 【答案】flow【解析】注意要用动词原形flow 。

Unit9 topic talkinglesson2biology词性：名词中文意思：生物学英文释义：the study of living organisms and their interactions with each other and the environment词源：来自希腊语的βίολος (bios) 和λόγος (logos)，意为“生命”和“学科”。

例句：She is studying biology at university.固定搭配：molecular biology（分子生物学），taxonomy（分类学）近义词：natural science, life sciencecapability词性：名词中文意思：能力，才能英文释义：the ability to do something or be something词源：来自拉丁语的capabilitas，意为“能力”。

例句：He has the capability to solve plex problems.固定搭配：human capability（人类能力），technical capability（技术能力）近义词：ability, talent, skillmarathon词性：名词、形容词中文意思：马拉松，长跑比赛；持久的，耐力的英文释义：a longdistance running race, typically 42.195 kilometers; lasting a long time or requiring great effort词源：来自古希腊的传说，一位士兵在战斗中跑了很长的距离，最后到达雅典。

为了纪念他，设立了一个长跑比赛，即马拉松。

例句：She pleted the marathon in under three hours.固定搭配：marathon runner（马拉松选手），marathon session（长时间的会议或工作）近义词：endurance, longdistance race, ultramarathonjustify词性：动词中文意思：证明…是正当的，合理化英文释义：to show that something is right or reasonable词源：来自拉丁语的justificare，意为“使公正”。

Mini Case （Topic 2）Donna Jamison, a 2003 graduate of the University of Tennessee with four years of banking experience, was recently brought in as assistant to the chairman of the board of Computron Industries, a manufacturer of electronic calculators.The Company doubled its plant capacity, opened new sales offices outside its home territory, and launched an expensive advertising campaign. Computron’s results were not satisfactory, to put it mildly. Its board of directors, which consisted of its president and vice-president plus its major stockholders(who were all local businesspeople), was most upset when directors learned how the expansion was going. Suppliers were being paid late and were unhappy, and the bank was complaining about the deteriorating situation and threatening to cut off credit. As a result, Al Watkins, Computron’s president, was informed that changes would have to be made, and quickly, or he would be fired. Also, at the board’s insistence Donna Jamison was brought in and given the job of assistant to Fred Campo, a retired banker who was Computron’s Chairman and largest stockholder. Campo agreed to give up a few of his golfing days and to help nurse the company back to health, with Jamison’s help.Jamison began by gathering financial statements and other data.BALANCE SHEET 2008 2007AssetsCash $ 7,282 $ 9,000 Short-term investments 0 48,600 Accounts receivable 632,160 351,200 Inventories 1,287,360 715,200 Total current assets $ 1,926,802 $ 1,124,000 Gross fixed assets 1,202,950 491,000 Less accumulated depreciation 263,160 146,200Net fixed assets $ 939,790 $ 344,800 Total assets $ 2,866,592 $ 1,468,800 Liabilities and Equity 2008 2007 Accounts payable $ 524,160 $ 145,600 Notes payable 720,000 200,000 Accruals 489,600 136,000 Total current liabilities $ 1,733,760 $ 481,600 Long-term debt 1,000,000 323,432 Common stock(100,000 shares) 460,000 460,000 Retained earnings (327,168) 203,768 Total equity $ 132,832 $ 663,768 Total liabilities and equity $ 2,866,592 $ 1,468,800 INCOME STATEMENT 2008 2007Sales $ 5,834,400 $ 3,432,000Cost of goods sold 5,728,000 2,864,000 Other expenses 680,000 340,000 Depreciation 116,960 18,900Total operating costs $ 6,524,960 $ 3,222,900EBIT ($ 690,560) $ 209,100Interest expense 176,000 62,500EBT ($ 866,560) $ 146,600 Taxes(40%) (346,624) 58,640Net income ($ 519,936) $ 87,960EPS ($ 5.199) $ 0.880DPS $ 0.110 $ 0.220Book value per share $ 1.328 $ 6.638Stock price $ 2.25 $ 8.50 Shares outstanding 100,000 100,000Tax rate 40.00% 40.00% Lease payments 40,000 40,000 Sinking fund payments 0 0STA TAMENT OF RETAINED EARNINGS,2008Balance of retained earnings,12/31/07 $ 203,768Add: Net income,2008 (519,936)Less: Dividends paid (11,000)Balance of retained earnings,12/31/08 ($ 327,168)STA TEMENT OF CASH FLOWS, 2008Operating ActivitiesNet Income ($ 519,936) Adjustments:Noncash adjustments:Depreciation 116,960Changes in working capital:Change in accounts receivable (280,960)Change in inventories (572,160)Change in accounts payable 378,560Change in accruals 353,600Net cash provided by operating activities ($ 523,936)Long-Term Investing ActivitiesCash used to acquired fixed assets ($ 711,950) Financing ActivitiesChange in short-term investments $ 48,600Change in notes payable 520,000Change in long-term debt 676,568Payment of cash dividends (11,000)Net cash provided by financing activities $ 1,234,168Sum: Net change in cash (1,718)Plus: Cash at beginning of year $ 9,000Cash at end of year $ 7,282Assume that you are Jamison’s assistant, and you must help her answer the following questions for Campo.a.What effect did the expansion have on sales, net operating profit aftertaxes(NOPAT),net operating working capital, and net income?b.What effect did the expansion have on net cash flow, operating cash flow, and freecash flow?c.Jamison also has asked you to estimate Computron’s EV A. She estimates that theafter-tax cost of capital was 11 percent in 2007 and 13 percent in 2008.d.Looking at Computron’s stock price today, would you conclude that the expansionincreased or decreased MV A?putron purchases materials on 30-day terms, meaning that it is supposed topay for purchases within 30 days of receipt. Judging from its 2008 balance sheet, do you think Comptron pays suppliers on time? Explain. If not, what problems might this lead to?ptron spends money fro labor, materials, and fixed assets(depreciation) tomake products, and still more money to sell those products. Then, it makes sales that result in receivables, which eventually result in cash inflows. Does it appear that Comptron’s sales price exceeds its costs per unit sold? How does this affect the cash balance?g.Suppose Computron’s sales manager told the sales staff to start offering 60-daycredit terms rather than the 30-day terms now being offered. Computron’s competitors react by offering similar terms, so sales remain constant. What effect would this have on the cash account? How would the cash account be affected if sales doubled as a result of the credit policy change?h.Can you imagine a situation in which the sales price exceeds the cost of producingand selling a unit of output, yet a dramatic increase in sales volume causes the cash balance to decline?i.In general, could a company like Computron increase sales without acorresponding increase in inventory and other assets? Would the asset increase occur before the increase in sales, and, if so, how would that affect the cash account and the statement of cash flows?j.Did Computron finance its expansion program with internally generated funds(additions to retained earnings plus depreciation) or with external capital?How does the choice of financing affect the company’s financial strength?k.Refer to the income statements and the statement of cash flows.Suppose Computron broke even in 2008 in the sense that sales revenues equaled total operating costs plus interest charges. Would the asset expansion have caused the company to experience a cash shortage which required it to raise external capital? l.If Computron started depreciating fixed assets over 7 years rather than 10 years, would that affect (1)the physical stock of assets,(2)the balance sheet account for fixed assets,(3)the company’s reported net income, and (4)its cash position?Assume the same depreciation method is used for stockholder reporting and for tax calculations, and the accounting change has no effect on assets’ physical lives. m.Explain how(1)inventory valuation methods, (2)the accounting policy regarding expensing versus capitalizing research and development, and (3) the policy with regard to funding future retirement plan costs(retirement pay and retirees’ health benefits) could affect the financial statements.putron’s stock sells for $2.25 per share even though the company had largelosses. Does the positive stock price indicate that some investors are irrational? putron followed the standard practice of paying dividends on a quarterly basis. It paid a dividend during the first two quarters of 2008, then eliminated the dividend when management realized that a loss would be incurred for the year.The dividend was cut before the losses were announced, and at that point the stock price fell from $8.50 to $ would an $0.11, or even a $0.22, dividend reduction lead to a $5.00 stock price reduction?p.Explain how earnings per share, dividends per share, and book value per share are calculated, and what they mean. Why does the market price per share not equal the book value per share?q.How much new money did Computron borrow from its bank during 2007?How much additional credit did its suppliers extend? Its employees and the taxing authorities?r.If you were Computron’s banker, or the credit manager of one of its suppliers, would you be worried about your job? If you were a current Computron employee,a retiree, or a stockholder, should you be concerned?s.The 2008 income statement shows negative taxes, that is, a tax credit. How much taxes would the company have had to pay in the past to actually get this credit? If taxes paid within the last 2 years had been less than $346,624, what would have happened? Would this have affected the statement of cash flows and the ending cash balance?t.Working with Jamison has required you to put in a lot of overtime, so you have had very little time to spend on your private finances. It’s now April 1, and you have only two weeks left to file your income tax return. You have managed to get all the information together that you will need to complete your return.Computron paid you salary of $45,000, and you received $3,000 in dividend from common stock that you own. You are single, so your per personal exemption is $2,800, and your itemized deduction are $4,550.(1)On the basis of the information above and the individual tax rate scheduleshown in the topic, what is your tax liability?(2)What are your marginal and average tax rates?u.Assume that a corporation has $100,000 of taxable income from operations plus $5,000 of interest income and $10,000 of dividend income. What is the company’s tax liability?v.Assume that after paying your personal income tax as calculated in part t, you have $5,000 to invest. You have narrowed your investment choices down to California bonds with a yield of 7 percent or equally risky Exxon Mobil bonds with a yield of 10 percent. Which one should you choose and why? At what marginal tax rate would you be indifferent to the choice between California and Exxon Mobil bonds?。