银行业务英语试题及答案一、选择题（每题2分，共20分）1. What is the most common method of payment in international trade?A. CashB. Letter of CreditC. ChequeD. Credit Card答案：B2. Which of the following is not a type of bank account?A. Checking AccountB. Savings AccountC. Fixed Deposit AccountD. Insurance Account答案：D3. What does the abbreviation "SWIFT" stand for in banking?A. Society for Worldwide Interbank Financial TelecommunicationB. Secure Worldwide International Financial TransfersC. Secure World International Financial ServicesD. Society of International Financial Services答案：A4. What is the primary function of a bank?A. To provide loansB. To accept deposits and make loansC. To sell insuranceD. To offer investment advice答案：B5. What is the term used for the process of verifying the authenticity of a document?A. NotarizationB. AuthenticationC. VerificationD. Certification答案：B6. Which of the following is a type of risk associated with banking?A. Market RiskB. Credit RiskC. Liquidity RiskD. All of the above答案：D7. What is the term used for the interest rate at which banks lend money to each other?A. Prime RateB. LIBORC. APRD. APRA答案：B8. What is the term used for the process of transferring money from one bank to another?A. RemittanceB. Wire TransferC. Cheque ClearingD. Cash Withdrawal答案：B9. What is the term used for the practice of offering a lower exchange rate to customers than the market rate?A. ArbitrageB. SpreadC. MarkupD. Discount答案：C10. What does the term "forfaiting" refer to in banking?A. The sale of goods on creditB. The buying and selling of foreign currenciesC. The discounting of bills of exchange without recourseD. The process of issuing a letter of credit答案：C二、填空题（每题1分，共10分）11. The ________ is a document issued by a bank guaranteeing the payment of a specified amount to a named payee.答案：Letter of Credit12. Banks often offer ________ services to their customers to help them manage their finances.答案：Banking13. The ________ is a document that represents the ownership of goods and is used in international trade.答案：Bill of Lading14. A ________ is a financial instrument that represents a debt owed by one party to another.答案：Bond15. The ________ is the process of converting one currency to another.答案：Foreign Exchange16. Banks use ________ to protect themselves against the risk of a borrower defaulting on a loan.答案：Collateral17. The ________ is the rate at which a bank lends to its most creditworthy customers.答案：Prime Rate18. A ________ is a financial statement that shows a company's assets, liabilities, and equity at a particular point in time.答案：Balance Sheet19. The ________ is the process of determining the creditworthiness of a potential borrower.答案：Credit Assessment20. A ________ is a type of investment account that allowsfor tax-deferred growth.答案：Retirement Account三、简答题（每题5分，共30分）21. What are the main functions of a commercial bank?答案：The main functions of a commercial bank include accepting deposits, providing loans, facilitating payments and money transfers, offering financial advice, and managing risk.22. Explain the concept of "fractional reserve banking."答案：Fractional reserve banking is a system where banks are only required to hold a fraction of their customers' deposits in reserve, while the rest can be lent out to generate income.23. What is the role of the central bank in an economy?答案：The role of the central bank includes implementing monetary policy, regulating the financial system, maintaining financial stability, managing the country's foreign exchange reserves, and issuing currency.24. Describe the process of a bank loan application.答案：The process of a bank loan application typicallyinvolves the borrower submitting an application, providing necessary documentation, undergoing a credit assessment, and, if approved, signing a loan agreement.四、论述题（共40分）25.。
Unit 1 Shopping and Banking OnlinePart 1 Getting readyB: drop shopping mouse feet retailingstreet get done third-party online30% mails Britain gift-buying 50% net periodC: Major points Details1. the site2. merchant Addresses/phone number/call up3. Strict safety measures4.Part 2 Net shopping under fireA. delivery deliverydelivery chargespersonal information 87%returning goods 47%order 35% dispatch 87%money back twoB．Summary:convenience choice obstacles complete trustbuild consumers’ trust mature payment servicePart 3 Banking at homeA: Outline1. C: limited opening hours2. Online banking servicesD: getting current information on productsF: e-mailing questions to the bank3.A: competing for customers4.A: having no computer at homeB: 1. It is banking through the Internet.2. “Online banking” offers convenience which appeals to the kind ofcustomer banks want to keep.3. Banks most want to keep people who are young, well-educated, and have good incomes.Part 4 More about the topicB: English Good Customer Service American GoodCustomer Service1. in a pleasant environment 1. human side2. second to none a. family/…/occasions in life3. different customers b. a partnershipExample:take a look at everythingalternatives 3. repeat business sales come to sales assistants4. first contact with the customerPart 5. Do you know …?1. c2. b3. c4. c5. c6. bUnit 2 Hotel or B&B?Part 1 Getting ready1. hot food: fried egg2. coffee tea jam cooked3. dinner, bed and breakfast4. the room plus all meals5. Value AddedTaxPart 2 A touch of homeOutline1. B&BA. bed and breakfastB. 15000C. advantages over big hotels2. A. meeting different people3. Several features of Suit UsA. built in 1883B. …famous guests4. A. B&B not suitable for some peoplePart 3 Renting a carrmation about the customerA family of three + camp equipmentLeaving on Fir., July 7thReturning on Mon., July 10th…Best choice: a Pinto station wagonRegular rate: $ 79.95Special weekend rate: $ 59.95Pick up: after 4 p. m. on Fri.Return: by 10 a. m. on Mon.Mileage rate: first 300 miles free, then 12 cents per mileOther costs: Insurance $ 10Sales tax 8%Deposit $ 100B: a compact car/ a station wagon/ automatic transmission/ current models/ pick up/ return the car/ special weekend rate/ regular rate/ unlimited mileage/ insurance sales tax/ a full tank of gas/ deposit/ lowest ratesPart 4. More about the topicA: 1. suite: a large room with a partition to separate the bedroom area from the sitting room area2. twin room: a room with two single beds for two people3. Penthouse: a well-furnished and luxurious suite at the top of the building4. Lounge or sitting room: a room not used as bedroom, whereguests may read, watch television, etc.5. single room: a room occupied by one person6. double room: a room with one large bed for two peopleUnit 3 “Planting” MoneyPart 1 Getting readyB: 这部分没有给答案A: Time: Thursday, April 17Purpose: teaching children how to save moneyWay of teaching: 2500 bankers making 5000 presentationsB: 1. Making savings visible and real: building up savings in a piggybank/ opening children’s ownbank savings account.2. Encouraging children to save as much as they can: putting 25cents away forevery dollar thechildren earn3. A first step toward learning to budget: giving children anallowance andpart of it goinginto their own savings.4. Making savings and investing fun: giving children play money to“invest”in stocks they cantrack in local newspapers Part 3 Credit cardsA: Outline1.The importance of credit cards2. NatureA. “charge”—paying at a later dateB: “limit”3. The potential disadvantages—expensiveA. easy to make lots of purchases on cardB. likely to pay a tremendous amount of interest4. The benefitsB. helpful for emergenciesC. good for travelPart 4 More about the topicA: Exercise 1Column A Column B1. 32 13 2Exercise 2: Answer the following two questions.1. “Spending priorities” refers to the following situation:Americans are spending so much of their income on ever larger houses and cars that they can’t afford to spend on social programs or infrastructure repairs.2. By doing so, one would feel happier, would have fewer disputes of work and lower levels of stress hormones in their blood. One gets sick less often and dies at an older age.B: Summary:Mr. Cox, the vice president of the Federal Reserve Bank of Dallas,…, of Myths of Rich and Poor, sees the positive side to the increased prosperity of …Americans are better off than they were 30 years ago. Here … :Technological … created hundreds of gadgets that … both easier and more pleasurable, for example, cellular and cordless phones, computers,answering machines, and microwave ovens;Today … about 3/4 have washing machines, half have clothes dryers, 97% have color televisions, 3/4 have VCRs, 2/3 have microwaves and air conditioners, 3/4 own their own automobile, 40% own their own home, half have stereo systems.Part 5 Do you know …?A. Tokyo, Osaka, Oslo, Zurich. Hong Kong, Copenhagen, Geneva, Paris, Reykjavik, LondonB. 1. The euro has appreciated against the US dollar.2. Persistent economic turmoil.3. Tehran.4. The Economist team checks prices of a wide range of items—frombread and milk to cars and utilities—to compile this report.5. Business clients use it to calculate the amount of allowances grantedto overseas executive and their families.Unit 4 Loans for the DreamPart 1 Getting readyPart 2 Raising money for buying a carA: SummaryMr. Jackson …in the college…As…worth repairing, he … . Since…about a hundred pounds for …, … , three hundred fifty to four hundred…. The bank … different interest rates and conditions: a Personal Loan and an Ordinary Loan. Mr. Jackson is expected to repay the money with 24 months.1.透支额（贷款）overdraft2.偿还repay3.短期贷款（业务）lenders in the short term4.付利息pay interest on5.担保物collateral6.寿险life policy7.房屋的房契deeds of the houses8.政府证券Government Securities9.凭证certificate10.按日计算on a day-to-day basisPart 3 Housing in the U. S. A.A. Outline1. A. cost of housing1. 1/4-1/3 of a family’s income2. depending on size and locationB. way to buy a house—mortgage2. B. easy to get things repaired3. Buying …1. mortgage: …2. condominium: …B. 1. Home buyer borrows money from Bank sells mortgages toFannie Mae sells shares and mortgage-based securities toInvestors2. They control about half the home loans in America.3. Hiding changes in its value, poor supervision and not carefullyreporting its finances.4. The stock price of Fannie Mae has dropped.Part 4 More about the topicA: 1. a. merchantable qualityb. fitting for particular purpose/ sellerc. as described2. no / retailer’s responsibility/ take to shop3. item/ too large/ fragile4. evidence of purchase/ date of purchase5. go to court / sue the sellerB. 1. F 2. T 3. F 4. FPart 5 Do you know …?B: Chart 1 Development of the idea of national taxesTime/ Number EventsApril 15th the last day to pay federal taxes1791 tax on whiskey and other alcoholic drink,farmers refused1794 George Washington, 13000 troops, defeated theWhiskey RebellionThe late 1800s people’s pay taxed by Congress, but rejectedby the Supreme Court1913 The 16th Amendment passed, legal for Congressto tax incomeMore than $312000 taxed at 35%, highest rateLess than $7000 no income taxChart 2 Composition of federal money in 20027%—income tax on businessesOver 40—personal income taxBelow 18%—other taxes, including customs35%— taxes for retirement programs and other servicesUnit 5 Briefing on Taxation and InsurancePoliciesPart 1 Getting readyDialogue one1. ￡30 00024% 2. overdraft 3. sailing Dialogue two1. A brand new video was stolen.2. Yes. The speaker paid the premium last week. Part 2 Briefing on personal taxation A. Outline1. Structure of personal taxation A. rates1. lower rate: up to ￡23 700: 25%2. higher rate: above ￡23 700: 40% B. allowances1. single person: ￡32952. married person: ￡50153. pension: maximum 17.5% to 40%4. mortgage interest relief: 7%2. Collection of personal taxA. income tax —PAYEB. National Insurance1. employee’s contribution: 9%2. employer’s contribution: 5% to 10%B. 1. According … both simple and relatively low.2. The new … opt for separate taxation.3. The tax … pension is 40%4. PAYE stands for Pay As You Earn. The scheme …from theemployer before … bank transfer to the employee.5. Taxable income …deduction and the allowance have been excluded.Part 3. Should I buy an insurance policy?(1)A. insurance policy save money buying a houseB. 1. A. a fixed objective in mind/ how much to pay each monthB. a fixed objective each month in mind/ how much to produce over some years2. No/ regular & systematic/ short-term/ bank/ Building SocietyPart 4 More about the topicA. unmarried dependents no needAnswer the question with key wordsA. accumulate capital/ expand business/ end of termB. saving to produce a pensionPart 5 Do you know … ?1. T2. F3. F4. T5. TUnit 6 Visions of BusinessPart 1 Getting readyA. Michael Dell:Michael Dell serves as Chairman and CEO of Dell Computer Corporation. He is the longest tenured CEO in the whole computer industry. By using his innovative direct-to-consumer marketing approach and by pioneering the industry’s first service and support programs—the build-to-order revolution, Dell Computer Corporation has successfully eliminated the middle-man and established itself as one of the top vendors of personal computers worldwide.Frederick SmithFrederick Smith is Chairman, President and CEO of Federal Express Corporation, or FedEx, a global provider of transportation, e-commerce and supply chain management services. But when he first came up with the idea of overnight delivery service, nobody seemed to be interested in it. And now with its just-in-time delivery system, Smith has made FedEx a multi-billion dollar industry. FedEx used to provide mainly water and air delivery, but now it’s making a big push into the ground delivery business.B. Fred must stay competitive in the following aspects:1) the quality of service2) the breadth of the network3) the unique services needed4) the costPart 3 Michael Dell vs. Frederick Smith (2)B. Question: What keeps you going and what have you left to accomplish?Michael:Motivation: The opportunity in the industry, in the businessAmbitions1. To be a leader not only in client computing, but also in the enterprise and servers and storage.2. To do business not just in the United States but all over the world3. To add a lot of services that go along with the productsFrederickPositive attitude towards future:Being truly excited about the company’s futurePositive attitude towards work:Enjoy going to work every dayLove to competeLove to innovateLove to work with a lot of wonderful people and sit right in the middleof a lot of very exciting business trends.Part 4 More about the topicSummary:One of the most fundamental steps toward a successful business is the business plan. It doesn’t matter whether your company is a large one or a small one. What does matter is having a business plan to make the idea a reality. A plan is essential for any business. It is like a map for your business as to where you’re going to go. And a business plan is the very best way to get started because when you do a business plan you go from “A” to “Z” in figuring out every aspect: how much money you need; how many people you’ll need; whether you’ll need people. It gives you a way of prediction where the business may go so you can position yourself to respond intelligently and use the least amount of money. So a business plan is even more critical for those budding entrepreneurs that don’t have much money, for it can help to use the limited resources in the very best way.Part 5 Do you know … ?80 100oldest largest fastest growing 1919 school hours organized o perated forming Localdeveloped shares materials produced profits ownedbusiness operate1974 classrooms programs 5 18 2 700 000 85 0005 11 V olunteer m ain rules organized made soldeconomy money industry trade families communities12 14 business expert Project economic theoriessupply demand corporations world trade12 14 Economics leaving completing continuinggame jobs education money get earnneed want high schoolUnit 7 Fame and FortuneFor the tape script, you can download the file beside.Click here to download the file with tape script.(Or right click & “save target as”)Part I Getting readyA.B. Keys:1：magazine 2：newspaper 3：Microsoft Company 4：successful 5：richest6：3rd 7：1955 8：Washington 9：computers 10：13 11：baseball 12：football 13：computer programs 14：perform 15：high16：computer language 17：Basic 18：valuable 19：office20：home 21：established 22：1975 23：three 24：computer software 25：established 26：nternational 27：usiness 28：achines 29：1981 30：personal computer 31：operating system 32 ：129 33：computer companies34：Windows 35：easier 36：officials 37：4000000038：thousands of millions of dollars 39：16 000 40：48 41：30 42：100Part II Bill Gates’ n ew rulesA. Keys:1: quailty2: re-engineering3: velocity1: communication 2: e-mail3: sales data online 4: insights5: knowledge workers 6: high-level thinking7: create virtual teams8: paper process 9: digital process10: eliminate single-task jobs11: digital feedback loop12: route customer complaints13: redefine the boundaries14: business process 15: just-in-time delivery16: eliminate the middle man17: help customers solve problemsPart III Great business dealsA. Keys:1: NATIONAL STEAMSHIP2: 20 000 3: Aristotle Onassis4: 6 000 5: American6: Big Ben 7: 1 000 8: tourist9: Buckingham Palace 10: 2 00011: The White House 12: 100 00013: The Statue of Liberty 14: 100 000 15: Australian1: boom 2: world depression 3: millionaire4: identified 5: fraud 6: five 7: California 8: luxuryPart IV More about the topic: Walt Disney1: correspondence course 2: Oswald the Rabbit 3: talking cartoon film 4: Walt Disney himself5: storyteller6: Ub Iwerks7: 35; feature-length cartoon film; 2 000 000; three8: potential9: 55; 17 000 00027: taste; vulgarity; children of all agesPart V Do you know…?1: $24 worth of kettles, axes and cloth.2: $80 000 000.3: $27 000 000.4: About 12 cents.5: About 800 000 square miles.6: About 1 600 000 square miles.7: $7 200 000.8: About 5 cents.9: $750 000 000 worth.10: An estimated 100 000 000 000 tons.Unit 8 Business SuccessFor the tape script, you can download the file beside.Click here to download the file with tape script.(Or right click & “save target as”)Part I Getting readyA.B. Keys:1: 90-149 pounds2: 465 pounds3: 240 pounds4: 46 pounds5: 835 poundsPart II Witty Ways to SuccessA. Keys:B. Keys:Dos:1: about 3 2: 1 or 2 pumps 3: be firm but not crushing 4: at waist level 5: down6: business format 7: e-mail buttons 8: carbon copy9: praise 10: criticize11: mind reading 12: return your phone call 13: cop toDon’ts:1: the limp handshake 2: the bone-crusher 3: the two-handed handshake 4: up 5: sensitive6: conflict 7: casual 8: smiley face9: winking 10: capitalizing11: carbon copy the bossPart III Technology in doing businessA. Keys:1: technologies; efficiency and sales2: in the digital world3: computer internet4: electronic commerce; consumers5: embrace; dieB. Keys:1: F 2: T 3: F 4: F 5: TPart IV More about the topic: How to Improve Your Executive Image?A. Keys:1: d 2: c 3: a 4: b 5: aPart V Do you know…?A. Keys:1: Ten percent of American workers.2: Construction, agriculture, communication, retail, manufacturing, engineering and real estate.3: Her customers’ good will and the friendships she has made at her store. 4: Because women business owners tend to place more emphasis on nurturing the individual employee’s needs.Unit 9 Feeling the Financial MarketFor the tape script, you can download the file beside.Click here to download the file with tape script.(Or right click & “save target as”)Part I Getting readyA.B.Keys:1 ：investing2 ：owns3 ：profits4 ：agreement5 ：rate of interest6 ：issue7 ：ownership8 ：securities9 ：bet 10 ：commodity 11 ：futures 12 ：price 13 ：obligation 14 ：trade 15 ：markets 16 ：combine 17 ：pool 18 ：fund 19 ：play 20 ：professionals 21 ：instrumentsPart II The commodity marketsA.Keys:B.Keys:1 ：＄324.252 ：＄324.503 ：＄324.45C.Keys:1 ：4282 ：438.5D.Keys:1 ：8 4372 ：4203 ：2 855E.Keys:1 ：＄132 2 ：225.75Part III Bank organizationA.Keys:Banking Division: 1 : The Americas 2 : Europe 3 : Middle East Private Banking Division 4 : internationalTreasurer’s Division 5 : investment 6 : commercial 7 : Forex 8 : finance Administrative Division 9 : personnel 10 : econimicFinancial and Information Systems Division 11 : Tax 12 : Data Corporate Planning Division 13 : strategic 14 : creditPart IV More about the topic: The Dow-Jones Industrial Average Outline:I.1: daily measure 2: thirty 3: points 4: general 5: the American economy II.6: ownership 7: investment 8: demand 9: the company’s valueIII.10: one century 11: businessnews 12: The Wall Street Journal 13: 500 14: 1 00015: 1972 16: 500 17: 1987 18: 4 000 19: 5 000IV.20: closelywatchedPart V Do you know…?A.Keys:1 : less developed countries2 : National Income3 : Gross Domestic Product4 : Gross National ProductUnit 10 Business StrategiesFor the tape script, you can download the file beside.Click here to download the file with tape script.(Or right click & “save target as”) 部分已修正。
哈尔滨重点中学2021级高二学年下学期期中考试英语学科试卷第一部分：听力测试（共两节，满分30分）第一节（共5小题：每小题1.5分，满分7.5分）听下面5段对话。
每段对话后有一个小题，从题中所给的A、B、C三个选项中选出最佳选项。
听完每段对话后，你都有10秒钟的时间来回答有关小题和阅读下一小题，每段对话仅读一遍。
1. What does the woman think of the lecture?A. Popular.B. Boring.C. Interesting.2. What are the speakers going to do?A. Watch a football match.B. Go out for a walk.C. Watch TV at home.3 What can we learn about the man from the conversation?A. He enjoys using e-mails.B. He often receives letters from his friends.C. He never writes letters to his friends.4. Where did the woman stay while she was in Brighton?A. She stayed in her friend’s house.B. She stayed in a hotel with her friends.C. She camped near the mountains.5. What does the man mean?A. His mother likes the pie very much.B. This pie can match his mother’s.C. This apple pie tastes very good.第二节（共15小题；小题1.5分，满分22.5分）听下面5段对话或独白。
