金融英语复习题

金融英语复习材料期末考试题型及分值分布：1：单项选择 20*1’=20’2：阅读理解两篇 10*2’=20’3：汉译英 5*3’=15’4：英译汉 6*5’=30’5：专业问答 15’Ⅰ Multiple choice.1. What function is money serving when you buy a ticket to a movie?A. store of valueB. a unit of accountC. transaction demandD. a medium of exchange2. Which of the following statements is not true of central banks?A. they pay the government’s salariesB. they are always the lender of last resortC. they always undertake the regulation of the banking systemD. none of the above3. What is the reserve requirement?A. The requirement for cash reservesB. The requirement for deposits in cashC. T he percentage of a bank’s deposits in the form of cash reservesD. The requirement of a bank to deposit a percentage of money4. Regulation of the money supply and financial markets is referred to asA. fiscal policyB. monetary policyC. income policyD. budgetary policy5. Financial markets serve to channel funds from .A. savers to investorsB. investors to consumersC. consumers to producersD. the government to contractors6. If the central bank wishes to increase the level of bank reserves temporarily, it should .A. purchase government securities outrightB. raise reserve requirementC. buy government securities under a repurchase agreementD. sell government securities under a reserve repurchase agreement7. A commercial bank wishing to increase its capital shouldA. issue new stockB. acquire new depositC. make more commercial loansD. acquire government securities8. The following are the three main instruments used by the central bank to implement its monetary policy exceptA. reserve requirement ratioB. credit quotaC. open market operationD. discount rate9. are the major target which the central bank buys and sells in the open market.A. financial institution bondsB. corporate bondsC. stocksD. government securities10. Financial intermediaries are institutionsA. that borrow funds from investors in productive facilitiesB. that act as middlemen in transferring funds from ultimate lenders to ultimate borrowersC. that lend funds to small saversD. all of the above11. Financial markets can be classified asA. debt and equity marketsB. primary and secondary marketC. money and capital marketsD. all of the above12. Commercial banks participate in the money market asA. lenders onlyB. borrowers onlyC. both lender and borrowersD. trustees only13. The major expense of commercial bank isA. wages and salariesB. dividend payments to stockholdersC. interest on depositsD. taxes14. Stocks are also referred to asA. securitiesB. equitiesC. sharesD. all of above15. Which of the following is not a type of bond?A. corporateB. treasuryC. EurodollarD. municipal16. Which of the following is a debt instrument found in the capital market?A.U.S. treasury billB. commercial paperC. residential mortgageD. demand deposit17. The foreign exchange market is organized asA. a physical marketB. a capital marketC. a speculative marketD. over-the-counter market18. Exchange control require the governmentA. to ensure that the foreign-exchange market is perfectly competitiveB. to stop buying foreign exchangeC. to sell more foreign exchange than it buysD. to balance inflows and outflows of foreign exchange at the current exchange rate19. The forward rate is calculated by adjusting the spot rate by aA. premiumB. discountC. marginD. difference20. When the U.S. real interest rate is low, owning U.S. assets is and so U.S. net foreign investment isA. more attractive…highB. more attractive…lowC. less attractive…highD. less attractive…low21.The main liability on a bank balance sheet is ______.A. depositsB. capital and reservesC. loans and overdraftsD. cash22. Why must the liabilities and assets of a bank be actively managed? ______.A. Because assets and liabilities are not evenly matched on the same time scaleB. Because assets and liabilities are evenly matchedC. Because the interbank market uses LIBORD. Because assets and liabilities can be underwritten23. Financial intermediaries by "borrowing short and lending long" find themselves in difficult financial situations becauseA. short-term rates are fallingB. long-term rates are risingC. deposits increase too rapidlyD. short-term rates rise relative to rates of their holdingsE. long-term rates rise more sharply than short-term rates24. Banks manage their assets considering ______.A. riskB. some optimum combination of the aboveC. earningsD. liquidity25. Indirect finance is also known as .A. financial intermediationB. intangible financeC. disintermediationD. the futures market26. Which of the following financial institutions have the most assets?A. life insurance companyB. private pension fundsC. commercial banksD. credit unions27. By purchasing government securities commercial banks are .A. borrowing from the governmentB. acquiring earning assetsC. making a “loan” to the governmentD. both B and C28. Which of the following financial intermediaries operate in primary securities markets?A. brokersB. dealersC. commercial banksD. investment banks29.Which of the following would be considered a disadvantage of allocating resources using a market system?A. Income will tend to be unevenly distributed.B. Significant unemployment may occur.C. The wastage of scarce economic resources cannot be prevented.D. A misallocation of resources may occur where there is a discrepancy between private and social costs.30. Which of the following is not a factor of production according to economists?A. LandB. LaborC. EntrepreneurshipD. Trademark31. Which of the following is not a function of money?A. To act as a medium of exchangeB. To act as a unit of accountC. To act as a store of valueD. To act as a means of paymentE. To provide a double coincidence of want.32. Legal tender includes .A. coins onlyB. notes onlyC. notes and coinsD. notes, coins and checks33. Commercial bank deposits with the central bank are part of the bank’sA. net worthB. demand depositsC. loan portfolioD. reserves34. The key factor limiting how much a commercial bank has immediately available to lend is the amount of itsA. demand depositsB. excess reservesC. vault cashD. savings deposits35. Which of the following central bank action would be appropriate to combat rapid inflation?A. A reduction in the discount rateB. A reduction in reserve requirementC. A cut in taxD. A sale of government securities36. A commercial bank wishing to increase its capital shouldA. issue new stockB. acquire new depositsC. make more commercial loansD. acquire government securities37. The price in the foreign market is calledA. the trade surplusB. the money priceC. the exchange rateD. the currency rate37. Monetary policy and policy are the two basic tools used by the government to influence the course of economic activity.A. accountingB. fiscalC. financialD.trade38. if the nominal rate of interest is 10 percent and the expected rate of inflation is 7 percent, the real rate of interest is .A.27 percentB. minus 3 percentC. plus 3 percentD. minus 27 plus39. A money market instrument usually used for import/export payment is known as .A. repurchase agreementB. EurodollarC. Certificate of depositD. Banker’s acceptance40. Bonds that can be changed to shares of common stock are said to be .A. callableB. general obligationC. convertibleD. zero-coupon41. Preferred stockholders receive .A. coupon paymentsB. fixed dividend paymentsC. variable dividend paymentsD. payment in the form of additional stock42. Bank manage their assets considering .A. riskB. liquidityC. earningsD. some optimum combination of the above43. Which of the following would be considered a loan secured by real estate?A. A credit card loanB. Subordinated debtC. Bank capitalD. A mortgage44. will be either the sole or the main source of a project loan repayment.A. capital fundsB. investment gainsC. the cash flow arising from the projectsD. all of the above45. In a syndicated loan, handles the negotiations with the borrower, prepares the relevant documentation and disburses the full amount of the loan to the borrower.A. the lead bankB. the accounting bankC. the participating bankD. the agent bank46. Repayment of a borrowing for working capital purposes usually comes from .A. profitsB. sale of fixed assetsC. cash flowD. capital introduced47. A loan agreement is normally prepared by and reviewed by .A. the lending bank’s legal counsel…the borrower’s attorneyB. the borrower’s attorney …the lending bank’s legal counselC. a third party other than the lending bank and the borrower… the lending bank’s legal counselD. none of the above48. For the most bank, are the largest and most obvious source of credit risk.A. guaranteesB. interbank transactionsC. loansD. equities49. A customer has deposited a gold watch with the bank for safe-keeping. This is an example ofA. lienB. pledgeC. bailmentD. mortgage50. A pledge provides a bank with .A. possession of the goodsB. rights over items held in safe custodyC. legal ownership of the goodsD. the ability to transfer interests in certain assets51. Which of the following is true of a mortgage?A. the mortgage retains possession of the mortgaged propertyB. the mortgagor retains possession of the mortgaged propertyC. the lender acquires the right to retain the mortgaged property until the mortgaged debt is repaidD. none of the above汉译英练习题：1.我们银行经办定期存款、活期存款和定活两便存款。

国际金融英语试题及答案1. 以下哪个选项不是国际货币基金组织（IMF）的主要职能？A. 提供技术援助B. 监督成员国的经济政策C. 促进国际贸易D. 提供紧急财政援助答案：C2. 世界银行的主要目标是什么？A. 促进全球贸易B. 减少全球贫困C. 维护国际货币稳定D. 促进全球金融市场发展答案：B3. 什么是外汇储备？A. 一个国家持有的外国货币和黄金B. 一个国家持有的国内货币和黄金C. 一个国家持有的外国货币和证券D. 一个国家持有的国内货币和证券答案：A4. 根据国际收支平衡表，以下哪项交易不属于经常账户？A. 商品出口B. 服务进口C. 外国直接投资D. 工人汇款回国答案：C5. 什么是货币贬值？A. 一个国家的货币价值相对于其他国家货币的减少B. 一个国家的货币价值相对于黄金的减少C. 一个国家的货币价值相对于商品和服务的减少D. 一个国家的货币价值相对于外国投资的减少答案：A6. 什么是浮动汇率制度？A. 货币价值由市场供求关系决定B. 货币价值由政府固定C. 货币价值由国际货币基金组织决定D. 货币价值由中央银行决定答案：A7. 什么是国际金融市场？A. 跨国公司进行商品和服务交易的市场B. 跨国公司进行货币和金融资产交易的市场C. 跨国公司进行商品和金融资产交易的市场D. 跨国公司进行服务和金融资产交易的市场答案：B8. 什么是国际货币体系？A. 国际货币的发行和流通体系B. 国际货币的监管和管理体系C. 国际货币的交换和结算体系D. 国际货币的发行、监管和管理体系答案：D9. 什么是外汇交易？A. 一种货币兑换成另一种货币的交易B. 一种商品兑换成另一种商品的交易C. 一种服务兑换成另一种服务的交易D. 一种资产兑换成另一种资产的交易答案：A10. 什么是国际金融危机？A. 一个国家内部的金融体系崩溃B. 一个国家内部的货币体系崩溃C. 多个国家金融体系的崩溃D. 多个国家货币体系的崩溃答案：C。

金融英语期末试题及答案一、选择题1. What is the time value of money?A. The concept of money having different values at different times.B. The concept of money having the same value at all times.C. The concept of money having no value over time.D. The concept of money having a fixed value regardless of time.答案：A2. Which of the following is a type of risk in finance?A. Exchange rate riskB. Market riskC. Interest rate riskD. All of the above答案：D3. What is the purpose of diversification in investment?A. To concentrate investments in a single assetB. To reduce the overall risk of a portfolioC. To increase the potential return of a portfolioD. To eliminate all risk from a portfolio答案：B4. What is the function of a stock exchange?A. To regulate the trading of stocks and other securitiesB. To provide loans to individuals and businessesC. To monitor interest rates in the economyD. To facilitate international trade transactions答案：A5. What is the role of a financial analyst?A. To analyze economic trends and make investment recommendationsB. To issue and sell financial products to customersC. To manage the day-to-day operations of a financial institutionD. To set monetary policies for an economy答案：A二、填空题1. The process of buying and selling securities on the stock market is known as _________.答案：trading2. A document that outlines the terms and conditions of a loan is called a _________.答案：loan agreement3. The risk that an investment will lose value due to changes in the overall market is known as _________ risk.答案：market4. The interest rate at which banks lend money to each other overnight is called the _________ rate.答案：overnight5. The process by which a company raises capital by selling shares to the public is known as _________.答案：initial public offering (IPO)三、简答题1. Explain the difference between stocks and bonds.答案：Stocks represent ownership in a company and give investors the right to share in the company's profits and voting rights. Bonds, on the other hand, are debt securities issued by companies or governments to raise capital. Bondholders lend money to the issuer in exchange for periodic interest payments and the return of the principal amount at maturity.2. What factors can affect currency exchange rates?答案：Currency exchange rates can be influenced by factors such as interest rates, inflation, political stability, economic performance, and market speculation. Changes in these factors can cause the value of a currency to fluctuate relative to other currencies.3. What is the difference between a mutual fund and an exchange-traded fund (ETF)?答案：A mutual fund is a pooled investment vehicle that collects money from multiple investors to invest in a diversified portfolio of securities. Investors in mutual funds buy shares directly from the fund at the net asset value (NAV) price. An ETF, on the other hand, is a type of investment fund that is traded on a stock exchange like a common stock. ETFs can be bought and sold throughout the trading day at market prices, and their prices may deviate slightly from the underlying asset value.四、解释题1. Explain the concept of compound interest.答案：Compound interest is the interest that is earned on both the initial principal amount and any accumulated interest from previous periods. In other words, it is interest on interest. As interest is added to the principal, the total amount grows over time, and subsequently, the amount of interest earned in each period also increases. This compounding effect allows investments to grow at an accelerated rate compared to simple interest, where interest is only calculated on the initial principal.2. What is diversification in investment and why is it important?答案：Diversification refers to the practice of spreading investments across different assets, industries, or geographical regions to reduce risk. By diversifying a portfolio, an investor can decrease the impact of any single investment's performance on the overall portfolio. Different investments may have different risk levels and may react differently to economic or market conditions. Therefore, if one investment performs poorly, other investments in the portfolio may provide a buffer against potential losses. Diversification can help to achieve a more balanced risk-return profile and enhance the potential for long-term investment success.五、翻译题Translate the following sentence into English:中国货币政策的调整对全球金融市场有重要影响。

需要掌握的英文翻译成中文的单词和短语banker’s acceptance银行承兑汇票preferred shares 优先股票underwriting保险业interest rate risk利率风险treasury bills 短期国库券monetary policy货币政策paying liability付款责任(支付责任) 应支付债务fluctuation波动stockbroker股票经纪人pension fund养老基金premium溢价（奖金，保险费）intermediary中介（中间的）beneficiary受益人long-term loan长期贷款（长期借款）balance sheet资产负债表foreign exchange外汇dividend股息，红利interest rate利率commercial paper商业票据portfolio投资组合IPO首次公开发行Liquidation清仓risk profile风险分析图certified cheque 保付支票commission佣金maturity到期interest rate risk---利率风险face value面值（票面价值）rate of return收益率mutual fund共同基金convertible bonds可转换债券down payment首付款（预付定金）mortgage抵押贷款certificate of deposit存款单inflation rate通胀率convertible bonds---可转换债券time deposit定期存款（定期储蓄）primary market初级市场需要掌握的中文翻译成英文的短语牛市bull market资本亏损capital loss固定利率fixed interest rate价格不确定性price uncertainty中间业务intermediary business书面申请apply by letter（written application）个人贷款personal loan总部headquarter价格透明度price transparency融资financing旅行者支票traveler’s cheque投资组合portfolio资本利得capital gain衍生证券derivative security波动幅度volatility履约价格exercise price违约风险default risk投资银行investment bank流动性liquidity规避风险risk averse普通股common shares商业银行commercial bank多功能借记卡multifunctional debit card银行本票cashier`s cheque (bank cheque)破产bankruptcy bankrupt---破产者期望收益率expected rate of return优先股preferred shares货币市场money market金融衍生品derivatives资本收益率-ROE,return on equity清仓liquidation内在价值intrinsic value卖空sold short基础工具underlying期权option匹配题目要看的书页码(书上第7页到第8页,书上第11页,书上第15页到第16页)1、a central bank 1a financial institution designated by the central government to formulate and implement monetary policy and to supervise and regulatethe financial industry2、function 2a special activity3、formulate 6supply and distribute4、implement 9official document giving permission5、monetary policy 3create in a precise form6、issue 7carry out7、administer 11a general term for banks, securities, futuresand insurance companies8、circulation 5policy for currency9、license 12control and direct10、supervise 4put into action11、financial institutions 16of or related to government money12、regulate 8go round continuously13、financial market 20a government body to oversee foreign exchange14、foreign exchange 19information in numbers15、gold reserves 17pay what is due16、fiscal 15gold put aside for later use17、payment 14system of buying and selling foreign money18、settlement 18paying or being paid19、statistical data 13market for money and finance20、state administration 10watch or checkof foreign exchange1、board of directors 13finding a solution for…(funds)2、top management 12management of non-performing asset3、asset liability 11banking department to control funds4、budget 10obedience服从、顺从5、audit 9 banking service for the general public6、remuneration 7a way in which something works7、operation 8banking service for corporation8、corporate banking 6 pay or reward for one’s work9、retail banking 5official examination of accounts10、compliance 1a group of people controlling a company11、treasury 3the state of being responsible for debts12、NPA management 2the highest management authority13、workout 4a plan of how money will be spent over aperiod of time1. A person who has the same age as the other.谁与其他人同年龄2. Selling and buying of stocks, bonds, etc.销售购买债券和股票等...3. A very large loan for one borrower and arranged byseveral banks.对同一借款人的非常大的贷款并且被数家银行购买4. Supply and distribution of securities.供应和证券分销5. To control and direct corporate affairs.控制和管理公司事务6. Commission to those who buy and sell products forothers.委员会向某人购买和出售其他产品7. A bank that provides services in buying shares andasset for the purpose of making a profit.一家银行提供的购买牟利为目的股份及资产管理服务8. To come together, combine and to gain bypurchasing.通过购买结合在一起9. In one’s own country but not abroad.在自己的国家，但不是在国外10. Without precedent; never happened, been doneor been known before.没有先例，从来没有发生过，已经完成或之前被称为a. Unprecedented史无前例的b. Domestic国内c. Merger and acquisition兼并和收购d. Investment bank.投资银行e. Brokerage经纪f. Corporate governance公司治理g. Peers同辈h. Syndicated loan兼并和收购i. Securities sales and trading 证券营销和交易j. Issuance of stocks and bonds 发行股票和证券1-G2-I3-H4-J5-F6-E7-D8-C9-B10-A写作文可能涉及的单词Principal本金Maturity到期time deposit定期存款savings deposit储蓄存款lump-sum deposit整存withdrawal取款small savings零存lump-sum withdrawal整取certificate of deposit存款单。

1. Demand deposit. A demand deposit or bank money refers to the funds held in demand deposit accounts in commercial banks. These account balances are usually considered money and form the greater part of the money supply of a country.2. Central Bank: It is a public institution that usually issues the currency, regulates the money supply, and controls the interest rates in a country. Central banks often also oversee the commercial banking system of their respective countries.3. Working capital loan. Working capital is a financial metric which represents operating liquidity available to a business, organization, or other entity, including governmental entity. Along with fixed assets such as plant and equipment, working capital is considered a part of operating capital. Working capital loan is a loan to fulfill the needs of working capital.4. Central Bank: It is a public institution that usually issues the currency, regulates the money supply, and controls the interest rates in a country. Central banks often also oversee the commercial banking system of their respective countries.5. promissory note: It is an unconditional promise in writing issued by the maker (borrower) to another person (payee), engaging to pay a specified sum of money to, or to the order of, the named payee, or to a bearer, at sight or at a fixed future date.6. Time deposit of small savings for lump-sum withdrawal. The length of maturity and a fixed amount of deposit are agreed at the time of account opening, and money is deposited by month. If there is any omission of deposit within the agreed period, it shall be made up in the following month.7. A bill of lading:It is a commercial document issued by a carrier to a shipper, acknowledging that the specified goods have been received in good order, that they have been loaded on board for shipment to a designated place and that they will be delivered to the named consignee or to anyone under the instruction of the shipper or a named party. A B/L is a document of title to the goods and the holder has the right to possess the goods.8. Settlement. The process of exchanging the consideration for financial instruments once a transaction has been executed.9. banker’s acceptance: When the tenor draft is accepted by a bank, the bill becomes a banker’s acceptance or a bank’s acceptance. Then the holder usually discounts the acceptance with a bank if he wants to get money immediately.10. bill of exchange: It is an unconditional order in writing issued by one person (drawer) to another person (drawee), requiring the drawee to pay a specified sum of money to, or to the order of, a named person (payee), or to a bearer, at sight or at a fixed or determinable future date.。

金融英语听说期末考试试题# 金融英语听说期末考试试题## Part I: Listening Comprehension (听力理解)### Section A: Short Conversations (短对话)1. What is the man likely to do next?- A. Deposit money in the bank.- B. Withdraw money from his account.- C. Apply for a loan.- D. Close his bank account.2. What does the woman mean by saying "I'm all cashed up"? - A. She has a lot of cash on hand.- B. She is financially stable.- C. She is out of cash.- D. She is going to the cash machine.### Section B: Long Conversations (长对话)Listen to the conversation between a bank manager and a customer discussing a new investment opportunity. Choose the best answer to each question.3. Why is the customer interested in the investment?- A. High returns.- B. Low risk.- C. Tax benefits.- D. All of the above.4. What is the minimum investment required?- A. $10,000.- B. $20,000.- C. $30,000.- D. $50,000.### Section C: Passages (短文)Listen to the following passage about the impact oftechnology on the financial industry and answer the questions.5. What is the main topic of the passage?- A. The history of financial technology.- B. The benefits of financial technology.- C. The challenges of financial technology.- D. The future of financial technology.6. What does the speaker suggest about the future of banking? - A. It will be completely automated.- B. It will require more human interaction.- C. It will disappear completely.- D. It will merge with other industries.## Part II: Speaking (口语)### Section A: Picture Description (图片描述)Look at the picture showing a busy stock exchange. Describewhat you see and explain the importance of the stock exchange in the financial system.### Section B: Role Play (角色扮演)You are a financial advisor. Your client is considering investing in a start-up company. Discuss the potential risks and benefits of this investment.### Section C: Presentation (演讲)Prepare a short presentation on the topic of "The Role of English in International Finance." Discuss why English is important in the global financial community and provide examples.## Part III: Reading Comprehension (阅读理解)Read the following text about international trade and answer the questions.### Text: International Trade and Currency Exchange7. What is the primary purpose of currency exchange in international trade?- A. To facilitate the buying and selling of goods.- B. To protect domestic industries.- C. To regulate the flow of capital.- D. To control inflation.8. How does a strong domestic currency affect internationaltrade?- A. It makes imports cheaper.- B. It makes exports more expensive.- C. It encourages domestic production.- D. It discourages foreign investment.### Section B: Critical Reading (批判性阅读)Read the article about the recent economic downturn and its impact on the financial markets. Then, answer the following question.9. According to the article, what is the most significant impact of the economic downturn on the financial markets?- A. A decrease in consumer spending.- B. A rise in unemployment rates.- C. A drop in stock market values.- D. An increase in government regulations.## Part IV: Writing (写作)### Section A: Summary Writing (摘要写作)Summarize the main points of the article about economic downturn in no more than 100 words.### Section B: Essay Writing (论文写作)Write an essay discussing the role of financial literacy in personal finance management. Your essay should be at least 300 words long and include an introduction, body paragraphs,and a conclusion.请注意，以上内容仅为示例，实际考试内容可能会有所不同。

金融英语复习材料期末考试题型及分值分布：1：单项选择 20*1'=20'2：阅读理解两篇 10*2'=20'3：汉译英 5*3'=15'4：英译汉 6*5'=30'5：专业问答 15'ⅠMultiple choice.1. What function is money serving when you buy a ticket to a movie?A. store of valueB. a unit of accountC. transaction demandD. a medium of exchange2. Which of the following statements is not true of central banks?A. they pay the government's salariesB. they are always the lender of last resortC. they always undertake the regulation of the banking systemD. none of the above3. What is the reserve requirement?A. The requirement for cash reservesB. The requirement for deposits in cashC. The percentage of a bank's deposits in the form of cash reservesD. The requirement of a bank to deposit a percentage of money4. Regulation of the money supply and financial markets is referred to asA. fiscal policyB. monetary policyC. income policyD. budgetary policy5. Financial markets serve to channel funds from .A. savers to investorsB. investors to consumersC. consumers to producersD. the government to contractors6. If the central bank wishes to increase the level of bank reserves temporarily, it should .A. purchase government securities outrightB. raise reserve requirementC. buy government securities under a repurchase agreementD. sell government securities under a reserve repurchase agreement7. A commercial bank wishing to increase its capital shouldA. issue new stockB. acquire new depositC. make more commercial loansD. acquire government securities8. The following are the three main instruments used by the central bank to implement its monetary policy exceptA. reserve requirement ratioB. credit quotaC. open market operationD. discount rate9. are the major target which the central bank buys and sells in the open market.A. financial institution bondsB. corporate bondsC. stocksD. government securities10. Financial intermediaries are institutionsA. that borrow funds from investors in productive facilitiesB. that act as middlemen in transferring funds from ultimate lenders to ultimate borrowersC. that lend funds to small saversD. all of the above11. Financial markets can be classified asA. debt and equity marketsB. primary and secondary marketC. money and capital marketsD. all of the above12. Commercial banks participate in the money market asA. lenders onlyB. borrowers onlyC. both lender and borrowersD. trustees only13. The major expense of commercial bank isA. wages and salariesB. dividend payments to stockholdersC. interest on depositsD. taxes14. Stocks are also referred to asA. securitiesB. equitiesC. sharesD. all of above15. Which of the following is not a type of bond?A. corporateB. treasuryC. EurodollarD. municipal16. Which of the following is a debt instrument found in the capital market?A.U.S. treasury billB. commercial paperC. residential mortgageD. demand deposit17. The foreign exchange market is organized asA. a physical marketB. a capital marketC. a speculative marketD. over-the-counter market18. Exchange control require the governmentA. to ensure that the foreign-exchange market is perfectly competitiveB. to stop buying foreign exchangeC. to sell more foreign exchange than it buysD. to balance inflows and outflows of foreign exchange at the current exchange rate19. The forward rate is calculated by adjusting the spot rate by aA. premiumB. discountC. marginD. difference20. When the U.S. real interest rate is low, owning U.S. assets is and so U.S. net foreign investmentisA. more attractive…highB. more attractive…lowC. less attractive…highD. less attractive…low21.The main liability on a bank balance sheet is ______.A. depositsB. capital and reservesC. loans and overdraftsD. cash22. Why must the liabilities and assets of a bank be actively managed? ______.A. Because assets and liabilities are not evenly matched on the same time scaleB. Because assets and liabilities are evenly matchedC. Because the interbank market uses LIBORD. Because assets and liabilities can be underwritten23. Financial intermediaries by orrowing short and lending long find themselves in difficult financialsituationsbecauseA. short-term rates are fallingB. long-term rates are risingC. deposits increase too rapidlyD. short-term rates rise relative to rates of their holdingsE. long-term rates rise more sharply than short-term rates24. Banks manage their assets considering ______.A. riskB. some optimum combination of the aboveC. earningsD. liquidity25. Indirect finance is also known as .A. financial intermediationB. intangible financeC. disintermediationD. the futures market26. Which of the following financial institutions have the most assets?A. life insurance companyB. private pension fundsC. commercial banksD. credit unions27. By purchasing government securities commercial banks are .A. borrowing from the governmentB. acquiring earning assetsC. making a “loan”to the governmentD. both B and C28. Which of the following financial intermediaries operate in primary securities markets?A. brokersB. dealersC. commercial banksD. investment banksWhich of the following would be considered a disadvantage of allocating resources using a29.market system?A. Income will tend to be unevenly distributed.B. Significant unemployment may occur.C. The wastage of scarce economic resources cannot be prevented.D. A misallocation of resources may occur where there is a discrepancy between private and social costs.30. Which of the following is not a factor of production according to economists?A. LandB. LaborC. EntrepreneurshipD. Trademark31. Which of the following is not a function of money?A. To act as a medium of exchangeB. To act as a unit of accountC. To act as a store of valueD. To act as a means of paymentE. To provide a double coincidence of want.32. Legal tender includes .D. notes, coins and checksC. notes and coins B. notes only A. coins only33. Commercial bank deposits with the central bank are part of the bank'sA. net worthB. demand depositsC. loan portfolioD. reserves34. The key factor limiting how much a commercial bank has immediately available to lend is theamount of itsA. demand depositsB. excess reservesC. vault cashD. savings deposits35. Which of the following central bank action would be appropriate to combat rapid inflation?A. A reduction in the discount rateB. A reduction in reserve requirementC. A cut in taxD. A sale of government securities36. A commercial bank wishing to increase its capital shouldA. issue new stockB. acquire new depositsC. make more commercial loansD. acquire government securities37. The price in the foreign market is calledA. the trade surplusB. the money priceC. the exchange rateD. the currency rate37. Monetary policy and policy are the two basic tools used by the government to influence thecourse of economic activity.A. accountingB. fiscalC. financialD.trade38. if the nominal rate of interest is 10 percent and the expected rate of inflation is 7 percent, the real rate ofinterest is .A.27 percentB. minus 3 percentC. plus 3 percentD. minus 27 plus39. A money market instrument usually used for import/export payment is known as .A. repurchase agreementB. EurodollarC. Certificate of depositD. Banker's acceptance40. Bonds that can be changed to shares of common stock are said to be .A. callableB. general obligationC. convertibleD. zero-coupon41. Preferred stockholders receive .A. coupon paymentsB. fixed dividend paymentsC. variable dividend paymentsD. payment in the form of additional stock42. Bank manage their assets considering .A. riskB. liquidityC. earningsD. some optimum combination of the above43. Which of the following would be considered a loan secured by real estate?A. A credit card loanB. Subordinated debtC. Bank capitalD. A mortgage44. will be either the sole or the main source of a project loan repayment.A. capital fundsB. investment gainsC. the cash flow arising from the projectsD. all of the above45. In a syndicated loan, handles the negotiations with the borrower, prepares the relevantdocumentation and disburses the full amount of the loan to the borrower.A. the lead bankB. the accounting bankC. the participating bankD. the agent bank46. Repayment of a borrowing for working capital purposes usually comes from .A. profitsB. sale of fixed assetsC. cash flowD. capital introduced47. A loan agreement is normally prepared by and reviewed by .A. the lending bank's legal counsel…the borrower's attorneyB. the borrower's attorney …the lending bank's legal counselC. a third party other than the lending bank and the borrower…the lending bank's legal counselD. none of the above48. For the most bank, are the largest and most obvious source of credit risk.A. guaranteesB. interbank transactionsC. loansD. equities49. A customer has deposited a gold watch with the bank for safe-keeping. This is an example ofA. lienB. pledgeC. bailmentD. mortgage50. A pledge provides a bank with .A. possession of the goodsB. rights over items held in safe custodyC. legal ownership of the goodsD. the ability to transfer interests in certain assets51. Which of the following is true of a mortgage?A. the mortgage retains possession of the mortgaged propertyB. the mortgagor retains possession of the mortgaged propertyC. the lender acquires the right to retain the mortgaged property until the mortgaged debt is repaidD. none of the above汉译英练习题：1.我们银行经办定期存款、活期存款和定活两便存款。

国际金融英语试题及答案一、选择题（每题2分，共20分）1. The term "Euro" refers to:A. European UnionB. European Currency UnitC. European Central BankD. European Investment Bank答案：B2. Which of the following is not a function of money?A. Medium of exchangeB. Store of valueC. Unit of accountD. Production factor答案：D3. The balance of payments is a record of:A. All international transactionsB. All international tradeC. All international financial flowsD. All international investments答案：A4. In international finance, the term "hot money" refers to:A. Money invested in foreign countriesB. Money invested in risky assetsC. Money that moves quickly in and out of countriesD. Money used for illegal activities答案：C5. The International Monetary Fund (IMF) was established to:A. Promote world tradeB. Facilitate the development of member countriesC. Promote international monetary cooperationD. Regulate global financial markets答案：C6. The process of converting one currency into another is known as:A. ArbitrageB. HedgingC. ExchangeD. Speculation答案：C7. A country's current account balance includes:A. Trade balanceB. Capital accountC. Financial accountD. All of the above答案：D8. The exchange rate between two currencies is the price of one currency in terms of the other. This is known as:A. Bid priceB. Ask priceC. Spot rateD. Forward rate答案：C9. Which of the following is not a type of international financial market?A. Foreign exchange marketB. Money marketC. Bond marketD. Retail market答案：D10. The Bretton Woods system was established in:A. 1944B. 1945C. 1946D. 1947答案：A二、填空题（每题2分，共20分）11. The ________ is the largest market for trading currencies in the world.答案：Foreign exchange market12. A ________ is a financial instrument that represents an obligation to repay a loan.答案：Bond13. The ________ is a system of fixed exchange rates where each currency is pegged to gold.答案：Gold standard14. A ________ is a financial institution that accepts deposits, extends credit, and performs other financial services.答案：Bank15. The ________ is the process of converting a company's financial statements from one currency to another.答案：Translation exposure16. The ________ is the risk that the value of a currency will change due to market forces.答案：Exchange rate risk17. A ________ is a financial instrument that allows the holder to buy or sell an asset at a specified price on or before a certain date.答案：Option18. The ________ is the risk that a borrower will default on a loan.答案：Credit risk19. A ________ is a financial institution that provides insurance and investment products.答案：Insurance company20. The ________ is the risk that the value of an investment will change due to changes in interest rates.答案：Interest rate risk三、简答题（每题10分，共30分）21. Explain the concept of "floating exchange rates."答案：Floating exchange rates refer to a system where currency values are determined by market forces of supply and demand. In this system, central banks do not intervene to maintain a fixed exchange rate, allowing the currency to fluctuate freely against other currencies.22. What are the main functions of the World Bank?答案：The main functions of the World Bank include providing financial and technical assistance to developing countries for development projects, promoting economic development, and reducing poverty. It also offers policy advice and knowledge sharing to help countries achieve sustainable development.23. Describe the role of the International Monetary Fund (IMF) in global finance.答案：The International Monetary Fund (IMF) plays a crucial role in global finance by providing financial assistance to countries facing balance of payments issues, monitoring the global economy and exchange rates, and offering policy advice to its member countries. It also promotes international monetary cooperation and financial stability.四、论述题（共30分）24. Discuss the impact of globalization on international finance.答案：Globalization has significantly impacted international finance by increasing the flow of capital across borders, leading to the integration of financial markets, and fostering the growth of multinational corporations. It has also led to the development of new financial instruments and services, as well as increased competition among financial institutions. However, globalization has also raised concerns about financial stability, as it can lead to contagion effects during crises and exacerbate income inequality.25. Analyze the benefits and challenges of international trade.答案：International trade offers numerous benefits, such as access to a wider variety of goods and services, economies of scale, and increased competition, which can lead to lower prices and higher quality products. It also promotes economic growth, job creation, and the transfer of technology. However, international trade also presents challenges, including job displacement due to competition, environmental concerns, and the potential for trade imbalances that can lead to economic instability.26. Explain the importance of risk management in international finance.答案：Risk management is crucial in international finance as it helps financial institutions and corporations to identify, assess, and mitigate various types of risks, such as exchange rate risk, credit risk, and interest rate risk. Effective risk management strategies can protect against financial losses, maintain stability, and ensure the long-term viability of businesses operating in the global market. It also enables institutions to make informed decisions and allocate resources efficiently.。

金融英语复习题（2）词汇Capital adequacy ratio 资本充足率资本充足率是指资本总额与加权风险资产总额的比例。

资本充足率反映商业银行在存款人和债权人的资产遭到损失之前，该银行能以自有资本承担损失的程度。

规定该项指标的目的在于抑制风险资产的过度膨胀，保护存款人和其他债权人的利益、保证银行等金融机构正常运营和发展。

各国金融管理当局一般都有对商业银行资本充足率的管制，目的是监测银行抵御风险的能力信用违约互换(credit default swap，CDS)是国外债券市场中最常见的信用产品。

在信用违约互换交易中，其中希望规避信用风险的一方称为信用保护购买方，而另一方即愿意承担信用风险，向风险规避方提供信用保护的一方称为信用保护出售方，违约互换购买者将定期向违约互换出售者支付一定费用(称为信用违约互换点差)，而一旦出现信用类事件(主要指债券主体无法偿付)，违约互换购买者将有权利将债券以面值递送给违约互换出售者，从而有效规避信用风险。

由于信用违约互换产品定义简单、容易实现标准化，交易简洁，自90年代以来，该金融产品在国外发达金融市场得到了迅速发展。

Credit default swaps Moral hazard道德风险道德风险并不等同于道德败坏。

道德风险是80年代西方经济学家提出的一个经济哲学范畴的概念，即“从事经济活动的人在最大限度地增进自身效用的同时做出不利于他人的行动。

”或者说是：当签约一方不完全承担风险后果时所采取的自身效用最大化的自私行为。

道德风险亦称道德危机Securities underwriting 证券承销，是证券经营机构代理证券发行人发行证券的行为。

它是证券经营机构最基础的业务活动之一。

Bought deal 先买式交易（包销）指证券承销商对发行人发行的股票、债券或其他有价证券全部或部分买入，再销售给其他投资者的行为Money multiplier 货币乘数是指在基础货币(高能货币)基础上货币供给量通过商业银行的创造存款货币功能产生派生存款的作用产生的信用扩张倍数，是货币供给扩张的倍数。

金融英语业务知识练习试卷37(题后含答案及解析) 题型有：1.8 daysE．65.2 days正确答案：B解析：答案为B项。

days’sales uncollected也可称为days’sales outstanding in receivables“应收账款收回天数”，指企业从赊销到收回货款的平均时问。

计算公式为：应收账款收回天数=应收账款／销售额×365。

经过计算：775／4 235×365≈8天，故本题选B项。

知识模块：金融英语业务知识19．A company had $62 in extra cash at the end of the day. The proper entry for this excess includes a______.A．credit to Cash for $62B．debit to Expense for $62C．credit to Cash Over and Short for $62D．debit to Cash Over and Short for $62正确答案：C解析：答案为C项。

Cash Over and Short“现金长短款，现金溢缺”。

在发生现金长短款时，应在该科目中予以记录。

长款时，贷记该科目；短款时，借记该科目。

故本题选C项。

知识模块：金融英语业务知识20．If a customer deposits $1 000 cash into his/her checking account, the bank’s______by $1 000.A．assets rise by $1 000 and liabilities fallB．assets fall by $1 000 and liabilities riseC．assets and liabilities both fallD．assets and liabilities both rise正确答案：D解析：答案为D项。