初級(jí)銀行綜合類模擬試卷3

一、單項(xiàng)選擇（本題共70題，每題7.0分，共70分0）

1、Amortgageisatypeof.

A、supply

B、conveyance

C、limit

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無解析

2、Hewantstogetaloantosomeimprovementsinhisfactory.

A、fluctuate

B、adjust

C、finance

標(biāo)準(zhǔn)答案：C

知識(shí)點(diǎn)解析：暫無解析

3、Interestralesarehighbecausemoneyis.

A、guaranteed

B、variable

C^tight

標(biāo)準(zhǔn)答案：C

知識(shí)點(diǎn)解析：暫無解析

4、They'llnevergetamortgage;they'rebad.

A^risks

B、mortgages

C、finance

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無解析

5、Therewillbenochangeintheinterestrateduringtheofthemortgage.

A、life

B>limit

C、tide

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無解析

6、We'repayingfbrthefurnitureweboughtinmonthly.

A^installments

B、budgets

C、creditbureau

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無解析

7、Thebankusesatofindouthowprospectiveborrowersrepaidtheirpast

debts.

A、profile

B>loanagreement

C^creditbureau

標(biāo)準(zhǔn)答案：C

知識(shí)點(diǎn)解析：暫無解析

8、Mr.Harris'sapplicationfbraIoanwasapprovedbecauseheis.

A、creditworthy

B、ontime

Cxcapacity

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無解析

9、Becausetheborrowerdefaultedonhisrepaymentoftheloan,thebankwillholdthe

responsible.

A^reportingagency

B、co-signer

C^budget

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無解析

10、LisaandFrankEdwardsdevelopedaofmonthlyexpensestoseehowmuch

moneytheywouldhaveleftovertomakeloanpaymentsonarefrigerator.

A、data

B、profile

C、consumercredit

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無解析

二、完型填空（本題共70題，每題1.0分，共70分。）

trade,above,expiration,respond,strike,profitable,seller,how,most,financialIn

general,anoptiongivestothebuyertheright,butnottheobligation,tobuyorsella

good,whereastheoptionsellermust[21]accordingly.Manydifferenttypesofoption

contractsexistinthe[22]world.Thetwomajortypesofcontracts[23]onorganized

optionsexchangesarecallsandputs.Acallgivestothebuyeroftheoptioncontractthe

righttobuyaspecifiednumberofunitsofanunderlyingasset,ataspecifiedpricecalled

theexerciseor[24]price,onorbeforeaspecifieddatecalledtheexpirationdateor

strikedate.Aputgivesitsthebuyertherighttosellaspecifiednumberofunitsofan

underlyingassetataspecifiedpriceonorbeforeaspecifieddate.Inallcasesthe[25]

oftheoptioncontract,thewriter,issubordinatetothedecisionofthebuyer,andthe

buyerexercisestheoptiononlyifitis[26]tohimorher.Thebuyerofacallbenefitsif

thepriceoftheassetis[27]theexercisepriceatexpiration.Thebuyerofaputbenefits

iftheassetpriceisbelowtheexercisepriceatexpiraticn.Thecompletedefinitionofan

optionmustclearlyspecify[28]theoptioncanbeexercised.AEuropean-typeoption

canonlybeexercisedonaspecifieddate,usuallythe[29]date.AnAmerican-type

optioncanonlybeexercisedbythebuyeratanytimeuntiltheexpirationdate.American

optionsareusedon[30]oftheorganizedoptionsexchangesintheworld.Bothtypesof

optionscanbefreelytradedatanytimeuntilexpiration.

11、

標(biāo)準(zhǔn)答案：respond

知識(shí)點(diǎn)解析：暫無解析

12、

標(biāo)準(zhǔn)答案：financial

知識(shí)點(diǎn)解析：暫無解析

13、

標(biāo)準(zhǔn)答案：traded

知識(shí)點(diǎn)解析：暫無解析

14、

標(biāo)準(zhǔn)答案：strike

知識(shí)點(diǎn)解析：暫無解析

15、

標(biāo)準(zhǔn)答案:seller

知識(shí)點(diǎn)解析：暫無解析

16、

標(biāo)準(zhǔn)答案：profitable

知識(shí)點(diǎn)解析：暫無解析

17、

標(biāo)準(zhǔn)答案：above

知識(shí)點(diǎn)解析：暫無解析

18、

標(biāo)準(zhǔn)答案：how

知識(shí)點(diǎn)解析：暫無解析

19、

標(biāo)準(zhǔn)答案：expiration

知識(shí)點(diǎn)解析：暫無解析

20、

標(biāo)準(zhǔn)答案：most

知識(shí)點(diǎn)解析：暫無解析

三、閱讀理解（本題共4題，每題1.0分，共4分。）

CreditandcredibilityInpursuitofanewsourceofprofit,manyoftheentitiesthatcall

themselvesbankshavestrayedfarfromthebusinessoftakingandsafeguardingthe

public'sdepositsandrunningthepaymentsystem.Competitionhasforcedbankstorange

sofar,insomanydirectionsandatsuchalickthat,pciiiapsforthefirsttimesincethe

daysofShylock,itisnecessarytostoptoaskquitewhatisabank.Thegalesofchange

willleavemanybankslookingdifferentinformandsubstancefromadecadeago.

Bankingistraditionallythoughtofasonebusiness,notleastofallbybankers.Yet,as

Mr.ThomasSteinerofMckinsey,amanagementconsultancy,pointsout,itcomprises

around150differentlinesofbusiness.Thereislittlethatisspecialaboutmanyofthem.

Infuture,plentyoftheseactivitieswillbedonebyothers,eitherinsteadoforaswellas

bybanks.Ontheothersideofthecoin,manyofthethingsthatotherfinancialinstitutions

nowdowillbe-comethebusinessofsomebanks.Bankingwillstillbeaprincipalityin

thekingdomoffinancialservices,butitsheartlandwillshrink.Outsiderswillmovein.

Muchofthenativepopulationwillsettleelsewhere.Thebankers'diasporawillbewide.

CrossingthedividesThischangeisalreadyseeninAmerica,EuropeandJapan.

AmericanandJapanesecommercialbanksarepushingtheirmerchantbankingasdeeply

intothesecuritiesbusinessastheyfeeltheregulatorswillletthemgetawaywith.

CiticorpandJ.P.Morganhaveallbeenal-lowedtosetupsecurities-underwriting

affiliatesslippingthroughtheSection20loopholeofthelegislationseparating

commercialandinvestmentbanking.Thetwobusinesseshavebecomesointerwoven

that,asMr.DennisWeatherstone,presidentofJ.P.Morgan,says,wereallyhavetorip

thefabrictoseparatethethreads.Fortheirpart,investmentbanksandsecuritieshouses

havebecomedirectsuppliersofcredittowiderangeoffinancialandnon-financial

customers.Theyofferinvestmentproductsthatarevirtualsubstitutesforinterest-

earningdemanddeposits.Theyownandoperatenon-bankbanksthatgiveaccessto

paymentsystems.Inshort,theyhavebecomeprovidersofservicesthatcommercial

bankshavetraditionallyoffered.Thoughforbiddenfromcommercialbankingintheir

homemarket,AmericanandJapaneseinvestmentbanksandsecuritieshouseshappilyrun

suchbankingaffiliatesabroad.Itisnotonlytheboundariesbetweenthebankingand

securitiesindustriesthatarebecomingblurred.Soarethosewithinsuranceand

commerce.Bankersarebecomingeverydayoccurrences.Japan'sNipponLifejoinedthe

actinFebruarybytakinga4%stakeinSpain'sBancoBilbaoVizcayafor250m.At

home,Japaneseinsurersalreadyhaveaffiliationswithbanks,throughthewebofcross-

shareholdingsofthebigindustrialgroups.America'sthirdbiggestre-tailstockbroking

firm,Pru-Bache,hasdippedinthewatersofbankingbybuyingasmallbankinGeorgia

andmorerecentlyathrift.Everywhereordinarycommercialfirmsaremakingdeep

insuranceintofinancialservices.Retailersandmanufacturersownsecuritiescompanies,

insurancefirms'thriftsandnon-bankbanks.Theyofferawiderangeofcredit,

investment-bankingandinsuranceservices,tocompaniesandindividualsalike.

21、Whatdoesthepronoun''themselves"(line2)refertointhetext?

sources

B、entities

C、hanks

D^companies

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無解析

22>WhichofthefollowingstatementsisFalseaccordingtothetext?

A、Competitionisgraduallyforcingbankstoquestiontheiridentity.

B、Mostofthedifferentactivitiesdonebybankscouldbedonebyothertypesof

insiiiuiion.

C^RegulationsinAmericaandJapanarcpreventingcommercialbanksfromgettinginto

thesecuritiesbusiness.

D、SeparatingthecommercialandinvestmentbankingactivitiesofsomeAmerican

bankswouldbeverydifficult.

標(biāo)準(zhǔn)答案：B,

知識(shí)點(diǎn)解析：暫無解析

23、Whatdoesthissentencemean?"Bankingwillstillbeaprincipalityinthekingdom

offinancialservices,butitsheartlandwillshrink."

A、Bankingwillstillbethemostimportantpartoffinancialservices.

B、Bankingwillbeabsorbedbyotherareasoffinancialservice.

C>Bankingwillremainanindependentbutsmallerareaoffinancialservices.

D、Banking'spositionwithinfinancialserviceswillbeunchanged.

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無解析

Single,butnotlevelThe1992programmeisgoingtorunabitlatefortheEuropean

Community'sfinancialservicescompanies.Theearliestthatthewhole-moreorless-

oftheindustrywillbeabletotakeadvantageofitssinglemarketnowlookslikebeing

mid-1994.ThatistheEuropeanCommission'sunstatedtimetableforECmember

countriestoimplementitsthirdlife-insurancedirective,whosedraftispublishedon

February20th.Thedirective,whichfollowssimilardirectiveonnon-lifeinsurance

publishedindraftafewmonthsago,isthelastbigelementinitspushtoopenfinancial

marketsthatarestillhighlyprotected.Thebroadideaisthatfinancialservicecompanies

shouldhavetherighttooperatethrough-outtheEConthebasisofasingle"passport",

issuedbythesupervisoryauthorityintheirhomecountry.Thecommissionhopedtohave

themaininsurance-allliberalisedtogetherattheendof1992.Nowitlooksasifonlythe

bankingdirective,adoptedbytheCouncilofMinistersinDecember1989,willbe

operativeintime.Adraftinvestmentservicesdirectivewassubmittedbythecommission

tothecouncilinJanuary1989,andismuchfurtheralongthelegislativeroadthanthetwo

insurancedirectives.Yettheobstaclesthatithasrunintomakeitprobablethatevenit

willmisstheend-1992deadline.Thedirectivewouldletinvestmentbanksand

stockbrokersserveclientsthroughouttheECandtradeonallECexchanges,subjected

onlytohome-countrycontrol.ProblemsaroselastNovember,whenFranceproposedto

curbtheirfreedomtotradesecuritiesoutsiderecognisedexchanges.ThishassplittheEC

intotheusualnorth/south,liberal/interventionistgroups.The12financeministerswilltry

againonFebruary25th,butprogressisunlikely.Eventually,acompromisewillnodoubt

bereached,probablyonesayingthatsmallinvestorsshouldhavetheirordersexecutedon

officialmarketsunlesstheywantotherwise.Butallthiswilltaketimetonegotiate.The

councilisunlikelytoadoptthedirectiveformallymuchbeforetheendofthisyear.

Governmentswillthenbehardputtogetitontotheirnationalstatutebooksbymid-

1993.Dothedelaysintheinvestmentservicesandinsurancedirectivesmatter?TheEC

isadeptatmisseddeadlines,andend-1992wasnevercarvedinstone.Thetroubleisthat

banks,investmenthousesandinsurersarenowincompetitionwitheachother.Banks

thereforewillhaveaheadstartovertheirnon-bankingrivalsinsellingcompetitive

productsacrosstheEC.Insteadofthesingle,levelplayingfieldforfinancialservicesthat

theCommunitytalksof,thefieldwillindeedbesinglebutstillslopingfromoneendto

theother.Seniorcommissionofficialssaythatitisuptonationalgovernmentstogeta

moveon.Thisiswishfulthinking.OnFebruary19ththeBritishgovernmentbegan

consultingwithinterestedpartiesonlastautumn'snon-life-insurancedraftdirective.

Thisprocesswilltakemonthstocomplete,andonlythen,saytheBritish,willtheybe

abletobeginseriousnegotiationsintheCouncilofMinisters.Thedraftlifedirective,

whilesharingsomeprincipleswiththenon-lifedraft,alsoposesnewproblemsthatwill

taketimetoresolve.Theseconcernssuchissuesasconsumerprotection(thatis,

(iisclosure,supervisionandsoon),calculatingtechnicalprovisionstomeetinsurers'

liabilities,andtheremovalofcertainnationalprovisionslikeBelgium'sbanonlife-

insurancepolicieslinkedtounittrusts.

24、LookCarefullyatParagraph7.Thendecidewhichofthefollowingisthebest

explanationofthelastsentenceinthatparagraph.

A、Bankswillnotbeincompetitionwithinsurancecompaniesandinvestmentservice

companiesafter1992.

B、Onlybankswillbeallowedtoaltertheirareasofactivityafter1992.

C、Bankswillhaveanunfairadvantageoverotherfinancialinstitutionsfrom1922.

D、TheEuropeanCommissionwishestogivebanksaspecialpositioninthesingle

maiket.

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無解析

四、英釋漢（本題共2題，每題7.0分，共2分。）

25Becauseinsurancecontractsarecomplicated,theymustbeapprovedbythe

regulatoryauthoritiestoensurethattheinsurance-buyingpublicwillnotbemistreated

asaresultofun-fairprovisions.

標(biāo)準(zhǔn)答案：因?yàn)楸ｋU(xiǎn)合同很復(fù)雜，監(jiān)管當(dāng)局必須先審批以保證購買保險(xiǎn)的公眾不會(huì)

因?yàn)椴焕臈l款而受損。

知識(shí)點(diǎn)解析：暫無解析

26、Increasinglygloballyintegratedfinancialmarketsposesignificantchallengestothe

regulationofsecuritiesandfuturesmarket.

標(biāo)準(zhǔn)答案：日益在全球范圍整合的金融市場(chǎng)給金融市場(chǎng)的監(jiān)管帶來了巨大的挑戰(zhàn).

知識(shí)點(diǎn)解析：暫無解析

五、判斷正誤(本題共6題，每題1.0分，共6分。)

Therearetwogeneralwaysinwhichtheterm"market"isusedineconomics.First,a

marketisthoughtofasaformalorinformalorganizationofbuyersandsellerswho

conducttradesinparticularcommoditiesorservices.Themarketmaybelocatedata

geographicalmeetingplace,suchasyourfriendlyneighborhoodbookstoreorshopping

center(aretailmarket).Amarketmaybeorganizedoverwideareasconnectedthrough

phonesorcomputerterminals.AlthoughthetradingroomoftheNewYorkStock

ExchangeislocatedinNewYorkCity,buyersandsellerswhoactivelyparticipateinthis

marketmayconducttheirtradesfromdistantlocations.Thisdescriptionisthe

institutionalwayoflookingalamarket.Thesecondmeaningoftheword"market"is

usedinformaleconomicmodels.Heretheequationsthatexplainthedemandandsupply

ofacommoditysuchasmoneyaresometimesgroupedtogether.Althoughmoneyis

tradedinallmarkets,thereasonsforsupplyingandholdingmoneyarethoughttobe

specificenoughtowarrantseparateequations.Thisisanabstractwaytothinkofthe

moneymarket.Newfinancialassetsaretradedinprimarymarkets.Financialassetsthat

areresoldaretradedinsecondarymarkets.Finnsthatspecializeintradingeithernewor

reissuedfinancialassetsarecalledprimaryandsecondarydealers,respectively.Bothnew

andreissuedsecuritiesaretradedinmanymarkets,suchastheU.Smoneymarket.The

NewYorkStockExchange,however,isasecondarymarket.

27、Afinancialmarketmaybethoughtofasanordinarymarketinwhichtradersmay

buyorsellparticularfinancialcommodities.

A、Right.

BNWrong.

C、Doesn'tsay.

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無解析

28、Wecanlearnfromthesecondpartofthepassagethattherearesomeequationsof

marketwhichcanexplainthedemandandsupplyofthecurrencyofacountry.

A^Right.

B、Wrong.

C、Doesn'tsay.

標(biāo)準(zhǔn)答案：C

知識(shí)點(diǎn)解析：暫無解析

29、IfaconsumerwantstosellhisCDsbeforethematuritydate,hewoulddoitinthe

primarymarkets.

A、Right.

BNWrong.

C、Doesn'tsay.

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無解析

Aconsumerwithanunusedlineofcreditonhisorhercreditcardaccountmaymake

retailpurchasewithoutpresentingademanddepositcheckorcash.Unutilizedcreditcard

creditisusedinstead.Thelineofunutilizedcreditavailabletocardholdersmaybea

goodcandidateforinclusioninthedefinitionofmoney.Thesecreditlinesserveasa

mediumofexchangeforthepurchaseofawidevarietyofgoodsandservices.Linesof

unutilizedcreditcardcreditaresimilartounutilizeddemanddepositoverdraftfacilities,

whichallowcustomerstoissuechecksformoremoneythantheyhaveondeposit.

Overdrafts,which