[語言類考試復(fù)習(xí)資料大全]貨幣和銀行 Money and BankingVIP

1、書山有路勤為徑，學(xué)海無涯苦作舟。祝愿天下莘莘學(xué)子：學(xué)業(yè)有成，金榜題名！語言類考試復(fù)習(xí)資料大全貨幣和銀行 Money and Banking貨幣和銀行 Money and BankingPART ONEQuestions 18 Look at the statements below and the five extracts about money 答案:E2. By controlling the money supply, commercial banks can keep themselves grow at an appropriate rate.答案:A3. Relations be

2、tween the Central Bank and the government are complex.答案:D4. Central Bank acts as the governments bank.答案:C5. One of the function of a central bank is to prevent massive bank failures.答案:B6. One consequence of the internationalization of commercial banking is that there is now more extensive competi

3、tion in the major national financial centers due to the presence of foreign banks.答案:E7. One of the Central Banks roles is a lender of last resort.答案:B8. The Central Bank is not owned and operated completely by the government.答案:DPART TWOQuestions 914 Read the text about the pulse of the economy. Ch

4、oose the best sentence to fill each of the gaps. For each gap (914), mark one letter (A-H) on your Answer Sheet. Do not use any letter more than once. Taking the Pulse of the Economy Reading the financial news is somewhat complicated when the subject is overall economic activity. In fact, when measu

5、ring the performance of the aggregate economy there is no single number that does the job. Instead, a variety of statistics released by the government on a monthly or quarterly basis, and published in major newspapers, 1 . It is useful to divide these statistics into measures of aggregate output and

6、 unemployment on the one hand,. 2 . Aggregate output and employment. The most comprehensive measures of economic activity is real GDP. Estimates are released in April for the first quarter (January-March), 3 . Al though real GNP is released as a dollar figure, the most important feature is its rate

7、of growth. Thus, if real GNP grows at an annual rate of 4% during a quarter, that is considered a fast pace of economic activity; if it grows by only 1% that would be slow. The most important number released on a monthly basis is the unemployment rate. Increases in the unemployment rate of one-half

8、of one percent during a one-or two-month period implies that 4 . The price level. The GNP deflator is the most comprehensive measure of the price level. 5 . It is released quarterly along with data on GNP. A rate of increase in the deflator of 3% or 4% on an annual basis has been considered acceptab

9、le in recent years. Two somewhat narrower measures of inflation are released monthly: the consumer price index and the producer price index. As suggested by their names, 6 while the latter measures price changes at the wholesale level. For obvious reasons, although the consumer price index is a less

10、 comprehensive measure of the price level than the GNP deflator, it receives the lions share of attention because it measures how inflation influences each of us directly in our role as consumers. Once again, a 3% or 4% increase on an annual basis is considered acceptable; 6% or 8% is not. A. Our kn

11、owledge of how best to construct such a model is far from complete B. in July for the second quarter (April-June), and so on C. serve as important indicators D. in terms of the results that formal econometric models of the economy have produced E. the former measures the rate of change in prices of

12、goods purchased by the typical consumer (as defined by the Department of Commerce) F. It is a weighted average of prices of all goods and services produced in the economy G. economic activity is slowing down sufficiently to take its toll on the work force H. and the price level and inflation on the

13、other 1.答案:C2.答案:H3.答案:B4.答案:G5.答案:F6.答案:EPART THREEQuestions 1520 Read the following article Bank of Americans new decision. For each question (1520) mark one letter (A, B, C or D) on your Answer Sheet for the answer you choose. Bank of America struck a nerve this week when it announced it would ch

14、arge many debit card users a $ 5 monthly fee when they shop. The companys stock price fell. Customers complained. One cable business anchor sliced up her debit card live on air. Why such a public back lash over a few extra bucks a month7 Perhaps the banks decision simply reminded us all over a gain

15、that we are living increasingly in a fee-littered world, where companies continually seek out new ways to nibble away at our wallets by charging for the smallest of once-free services, leaving many customers feeling nickel-and-dimed. The proliferation of a la carte fees has inundated the economy, sa

16、id Ed Mierzwinski, consumer program director for the U. S. Public Interest Re search Group. Companies are inventing new fees; they are making it harder to avoid fees; they are increasing the fees. Its much more complicated to be a consumer. Bank of Americas new debit card fee, which also has been te

17、sted or implemented by other banks, joins a long and growing list of similar charges that consumers now encounter in the course of daily life. Among them: airline baggage fees, hotel Internet fees, convenience charges for concert and sporting tickets, ATM fees, bank teller fees, paper statement fees

18、, fees hidden in phone and cable bills, taxicab fuel surcharges and exorbitant shipping and handling costs. As many businesses find themselves squeezed by new regulations, rising fuel prices or the generally sluggish economy, they have sought new ways to extract more money from customers, despite th

19、e public relations hit that often results, said John Ulzheimer, president of consumer education at SmartCredit. com. Its absolutely a math equation: How many people am I going to lose? Ulzheimer said. I dont know that companies care so much about being loved; they care more that people continue to u

20、se them. Whats important is the bottom line. That doesnt mean the tactic cant backfire. Its little surprise that consumers feel slighted when something that used to be freebe it air line pretzels or hotel gymssuddenly costs money. But the businesses behind those fees often argue that they simply are

21、 covering their costs. Bank of Americas debit card fee marks just one of the ways banks are modifying consumers accounts in the wake of the financial crisis, which resulted in a regulatory overhaul for the banking system and a fundamental shift in the industry business model. Even so, many customers

22、 have shown little sympathy for the banks woes in the wake of news about the new monthly debit card fee. Its not fair, Elizabeth Romero of the District said Friday outside a Bank of America branch in Capitol Heights. I started looking into changing banks. 1. What did Bank of America decide to do?A.T

23、o invent new fees.B.To make consumers more complicated.C.To encourage people to deposit more money.D.To charge debit card users some amount of fee.答案:D2. Why was there a public backlash over Bank of Americas new decision?A.Because many companies stock price fell down.B.Because customers feel unimpor

24、tant when receiving services nowC.Because customers have to pay for once-free service.D.Because customers cant avoid fees.答案:C3. Which of the statement is not true?A.There are still many services that do not charge in our living word.B.Not only Bank of America but also other banks have already imple

25、mented new debit card fee.C.Customers need to pay airline baggage fees.D.Customers felt angry when Bank of America announced its new policy.答案:A4. How do customers feel when they are charged for something that used to be free?A.Pleased.B.Respected.C.Uneasy.D.Contemptuous.答案:D5. What can be inferred

26、about Bank of America?A.It is facing financial crisis.B.It needs changing in its regulatory overhaul and industry business model.C.It has modified customers accounts in the way of debit card fee marks.D.It will get more profit by charging debit card fee.答案:B6. Why did Elizabeth Romero say: Its not f

27、air at the end of the passage?A.American banks shifted their financial burden to the working people.B.The fee American banks charge for debit card just covers the cost.C.American banks are in a critical period.D.Customers show their sympathy to banks plight.答案:APART FOURQuestions 2130 Read the artic

28、le below about gold investment. Choose the correct word to fill each gap from A, B, C or D. For each question (2130), mark one letter (A, B, C or D) on your Answer Sheet. Is Gold A Good Investment? Gold is probably the favorite 1 . for hoarding by both governments and individuals a round the world,

29、and it has been for centuries. Should you buy some gold, perhaps in the 2 . of a few gold coins? Is gold a good investment? Because gold earns no interest or dividends, it immediately suffers in comparison with such 3 . as savings accounts, bonds, stocks, and rental property. In this respect it is s

30、imilar to diamonds, stamps, rare coins, and art objects. Because it yields no current income, the 4 . of buying gold thus depends entirely on the prospect for future price appreciation. If gold can be expected to rise in price by more than 5 to 10 percent annually, which is 5 . what one can earn in

31、a savings account or over the long run in bonds or stocks, then it is worth considering seriously as an investment. The price of gold, just like the price of other commodities, is determined in the free market by supply and demand. And in this case, supply and demand factors make the price of gold h

32、ighly volatile. 6 . respect to supply, new production adds to the existing stockpile at the rate of only about 2% a year. This means that the overwhelming element on the supply side is not the amount of current ore production but uncertainty as to how much holders of the existing stock pile might de

33、cide to unload. 7 sales by large holders are always a threat to break the price. When consumer prices threaten to rise rapidly and/or international tensions increase, the private demand for gold 8 . But when inflation subsides and/or international tensions ease, demand often vanishes overnight. This

34、 sort of demand typically fluctuates erratically on short notice, and rather small changes in supply or demand can produce 9 . price swings. Thus gold is a highly 10 . investment. Large gains can occasionally be made, but on the basis of the historical record over the past hundred years large losses

35、 are just as likely. 1.A.assetB.propertyC.capitalD.wealth答案:A2.A.formB.wayC.valueD.means答案:A3.A.alternatesB.optionsC.alternativesD.alternations答案:C4.A.usageB.benefitC.profitabilityD.wisdom答案:D5.A.exactlyB.roughlyC.probablyD.similarly答案:B6.A.ForB.ByC.WithD.In答案:C7.A.As it wereB.In summaryC.In other w

36、ordsD.Generally speaking答案:C8.A.decreasesB.shrinksC.extendsD.expands答案:D9.A.seriousB.wideC.terribleD.broad答案:B10.A.speculativeB.profitableC.lucrativeD.risky答案:APART FIVEQuestions 3140 Read the article below about environment. For each question 3140, write one word in CAPITAL LETTERS on your Answer S

37、heet. Helping the Environment While Saving Money The management of Neckermann, a $ 2.4 billion German mail-order firm, wanted to help protect the environment, 1 . it formulated a policy directing its employees to work to this end. The 2 . department, responsible for handling imports from European co

38、untries and Asia, proposed sending more imports to Rotterdam, 3 . where they would be forwarded in barges via the Rhine waterway to the firms three warehouses in Frankfurt. Under the old arrangement, imports arriving in Hamburg were sent by rail or road to Frankfurt. The 120,000 tons of merchandise

39、from European suppliers now comes by rail 4 . of truck as it formerly did. These changes have provided two 5 . :less environmental damage and 6 . costs. Based on estimates by the prestigious Planco Institute, the company calculates that the new environmentally friendly system of waterways and rail h

40、as 7 . total costs to the environment (air, ground, water, and noise pollution) from $1.6 million under the old road-intensive arrangement to $ 722,000. In addition, the firm is saving $ 241,000 annually by shipping containers over Rhine waterway from Rotterdam to Frankfurt instead of using 8 . from

41、 Ham burg to Frankfrut. It is now considering supplying its Manngeim warehouse by barge, and it may also use barges on the Rhine 9 . to handle the 500 containers that come each year from Eastem Europe. This has been made 10 . by the new Main-Danube canal that extends the Rhine waterway all the way t

42、o the Black Sea. Other firms, among them Ford and Unilever, had already changed to the more environmentally friendly fiver system. These companies predict that others will increase their use of water ways when, as expected, the European Union deregulates waterway rates. 1.答案:SO2.答案:LOGISTICS3.答案:FRO

43、M4.答案:INSTEAD5.答案:BENEFITS6.答案:LOWER7.答案:REDUCED8.答案:RAIL9.答案:WATERWAY10.答案:POSSIBLEPART SIX Questions 4152 Read the text below from a report about central reserve. In most fines (4152), there is one extra word. It either is grammatically incorrect or does not fit in with the sense of the text. Some

44、 lines, however, are correct. If a line is correct, write CORRECT on your Answer Sheet. If there is an extra word in the line, write the extra word in CAPITAL LETTERS on your Answer Sheet. Central Reserve 1. The US $ has been the most used central reserve asset in the world since then the end of答案:THEN2. World War . Somewhat analogous to a savings account, the dollars were available when答案:CORRECT3. needed to finance trade or investments or to intervene with in currency markets. Held in the答案:WITH4. form of U. S. Treasury Bonds, the US $ s earn an intere