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金融专业英语证书考试基础类考卷样题Financial English Test—Fundamental—Sample Part I Listening Comprehension(30 minutes) Section 1 10% Directions: 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 conv...

金融专业英语证书考试基础类考卷样题
Financial English Test—Fundamental—Sample Part I Listening Comprehension(30 minutes) Section 1 10% Directions: 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. Example: You will hear: Woman: You know, the Browns have invested all their money in stocks. Man: They may think that's a wise move, but that's the last thing I'd do. Question: What's the man's opinion about the Browns' investment? You will read: A) He believes the Browns have done a sensible thing. B) He doesn’t think the Browns should move to another place. C) He doesn’t think the Browns investment is a wise move. D) He believes it is better for the Browns to invest later. Answer: _________. From the conversation we know that the two are talking about the Browns’ investment in stocks and the man doesn’t think the Browns investment is a wise decision. Therefore, C) “He doesn’t think the Browns’ investment is a wise move” is the correct answer. You should choose [C] on the Answer Sheet. Section 2 10% Directions: In this section, you will hear 10 short passages. At the same time you will read the given materials of which some parts are not written out for you. Finish the missing parts according to what you hear. Each of the short passages will be spoken twice. 11. Savings deposit is ______________________________________________, time and amount of deposit and withdrawal. 12. Residents or individuals within mainland China who, ___________________, bear valid identification certificates can conduct firm foreign exchange dealings. Part II Reading, Writing and Translation (150 minutes) Section 1 Multiple Choice 10% Directions: There are 20 sentences in this section. Beneath each sentence there are four words or phrases marked A), B), C) and D). Choose one word or phrase that best completes the sentence. Mark your answers on your answer sheet. 21. Which of the following decisions will guarantee that a person will make money in the stock market? _______ a. Buying the stock of a big company like IBM. b. Buying the stock of a small company like Starbucks Coffee. c. Purchasing stocks after the stock market has dropped for several days in a row. d. None of these decisions will guarantee that an individual will make money in the stock market. 22. A call option gives its owner _________. a. ownership in the underlying corporation. b. ownership in the underlying corporation plus voting rights. c. a right to buy shares of the underlying stock. d. an obligation to buy shares of the underlying stocks. Section 2 Filling the blanks 10% Directions: In this section, you will read 20 sentences. Each of the sentences has a blank in it. Fill in the blanks with the best words or phrases that complete the sentences. 41. An investment contract based on an underlying investment is called a __________. 42. A series of payments made over a long period of time is called an _________. Section 3 Paraphrase 15% Directions: In this section, you will read 5 words or phrases. You are asked to define each of the following words and phrases and provide a Chinese translation. Write down the answer on the paper. 61. consignment 62. risk 63. confirming bank 64. open market operations 65. auto insurance Section 4 Reading Comprehension 15% Directions: There are 3 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 centre.   Passage One   Questions 66 to 70 are based on the following passage. Bank of America, holding company for the San Francisco, was once unchallenged as the nation’s biggest banking organization. At its peak, it had more branches in California 1,100 than the U.S. Postal Service. It was also a highly profitable enterprise. But since 1980, Bank of America’s earnings have been down or flat. From March 1985 to March 1986, for example, earnings per share dropped 50.8 percent. Samuel H. Armacost, president and CEO, has confessed that he doesn’t expect a turnaround soon. Some of Bank of America’s old magic seems to have rubbed off on New York’s Citibank, perennial rival for top banking honors. Thanks to aggressive growth policies, Citicorp’s assets topped Bank of America’s for the first time in 1983and by a healthy margin. Citibank has also been generating profits at a fast clip, enabling it to spend lavishly on campaigns to enter new markets notably Bank of America’s turf in California. The bad times Bank of America is currently facing are partly the result of the good times the bank enjoyed earlier. Based in a large and populous state and operating in a regulated environment, Bank of America thrived. Before deregulation, banks could not compete by offering savers a higher return, so they competed with convenience. With a branch at every crossroads, Bank of America was able to attract 40 percent of the California deposit market a source of high earnings when the legal maximum payable to depositors was much lower than the interest on loans. The progressive deregulation of banking forced Bank of America to fight for its customers by offering them competitive rates. But how could this mammoth bureaucracy, with its expensive overhead, offer rates as attractive as its loaner competitors? Pruning the establishment was foremost in the minds of Bank of America policymakers. But cutbacks have proceeded slowly. Although the bank is planning to consolidate by offering full services only in key branches, so far only about 40 branches have been closed. Cutbacks through attrition have reduced the work force from 83,000 to fewer than 73,000; wholesale layoffs, it seems, would not fit the tradition of the organization. And they would intensify the morale problems that already threaten the institution. 66. According to the passage, New York’s Citibank_______. A. is a dark horse in the field of banking B. has been growing in a moderate way C. has been making efforts to conquer the markets of Bank of America D. has more branches than Bank of America now 67. Which of the following is NOT the reason for which Bank of America thrived?_______. A. It’s turf California was a state with a large number of population. B. The economic environment that was controlled by the government. C. Its deposit rate was higher than that of other banks. D. Its large amount of branches. 68. The phrase “mammoth bureaucracy” in Paragraph 4 refers to________. A. its expensive overhead B. its large amount of branches C. its long history D. corruption of its leaders 69. Now the most important factor for a bank to win in competition seems to be________. A. higher deposit rate B. flexibility of capital C. high banking honors D. support of the government 70. Which of the following conclusions can’t be drawn from the passage?_________. A. The U.S. Postal Service had less than 1,100 branches in California a few decades before. B. The profit of the Bank of America has been reducing since the 1980s. C. The prospect of the Bank of America is not quite promising. D. Moral problem is also a factor that leads to the decline of the Bank of America. Section 5 Essay Question 15% Directions: In this section, you will read three questions. Write down the answer beneath each of the questions and give necessary explanations according to what you have learned in financial English courses. 91. Why do governments use central banks as part of their economic management strategy? 92. What is the difference between whole life insurance and permanent insurance? Section 6 Translation 15% A Directions: In this section, you will read 3 statements in English. Translate each of the sentences into Chinese and write down the answer beneath. 94. There are five ways to deposit your local money: savings (current) deposit, time deposit of lump-sum deposit and withdrawal, time deposit of small savings for lump-sum withdrawal, time deposit of principal receiving and interest withdrawal and time or savings optional deposit. 95. Investment banks are intermediaries between people who have money and people who need money. Investment banking is the process of getting and managing money. Investment bankers are the people, the experts, who work for investment banks and help individuals, businesses and governments to reach their financial goals. B Directions: In this section, you will read 3 statements in Chinese. Translate each of the sentences into English and write down the answer beneath. 97. 中央银行是有中央政府设定的金融机构,用以制定和执行货币政策并监督和管理金融行业。 98. 债券筹资的主要缺点在于,企业有法律义务支付既定利息以及在未来确定的时间偿还所借本金。如果不能做到这一点,借款人一般有权利采取包括使企业陷于破产的严厉措施。
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