初級銀行綜合類模擬試卷1（共317題）

初級銀行綜合類模擬試卷1（共8套）（共317題）初級銀行綜合類模擬試卷第1套一、單項選擇(本題共10題，每題1.0分，共10分。)1、Amortgageisatypeof______.A、supplyB、conveyanceC、limit標(biāo)準(zhǔn)答案：B知識點解析：暫無解析2、Hewantstogetaloanto______someimprovementsinhisfactory.A、fluctuateB、adjustC、finance標(biāo)準(zhǔn)答案：C知識點解析：暫無解析3、Interestratesarehighbecausemoneyis______.A、guaranteedB、variableC、tight標(biāo)準(zhǔn)答案：C知識點解析：暫無解析4、They’llnevergetamortgage;they’rebad______.A、risksB、mortgagesC、finance標(biāo)準(zhǔn)答案：A知識點解析：暫無解析5、Therewillbenochangeintheinterestrateduringthe______ofthemortgage.A、lifeB、limitC、title標(biāo)準(zhǔn)答案：A知識點解析：暫無解析6、We’repayingforthefurnitureweboughtinmonthly______.A、installmentsB、budgetsC、creditbureau標(biāo)準(zhǔn)答案：A知識點解析：暫無解析7、Thebankusesa______tofindouthowprospectiveborrowersrepaidtheirpastdebts.A、profileB、loanagreementC、creditbureau標(biāo)準(zhǔn)答案：C知識點解析：暫無解析8、Mr.Harris’sapplicationforaloanwasapprovedbecauseheis______.A、creditworthyB、ontimeC、capacity標(biāo)準(zhǔn)答案：A知識點解析：暫無解析9、Becausetheborrowerdefaultedonhisrepaymentoftheloan,thebankwillholdthe______responsible.A、reportingagencyB、co-signerC、budget標(biāo)準(zhǔn)答案：B知識點解析：暫無解析10、LisaandFrankEdwardsdevelopeda______ofmonthlyexpensestoseehowmuchmoneytheywouldhaveleftovertomakeloanpaymentsonarefrigerator.A、dataB、profileC、consumercredit標(biāo)準(zhǔn)答案：B知識點解析：暫無解析二、完型填空(本題共10題，每題1.0分，共10分。)trade,above,expiration,respond,strike,profitable,seller,how,most,financialIngeneral,anoptiongivestothebuyertheright,butnottheobligation,tobuyorsellagood,whereastheoptionsellermust【21】accordingly.Manydifferenttypesofoptioncontractsexistinthe【22】world.Thetwomajortypesofcontracts【23】onorganizedoptionsexchangesarecallsandputs.Acallgivestothebuyeroftheoptioncontracttherighttobuyaspecifiednumberofunitsofanunderlyingasset,ataspecifiedpricecalledtheexerciseor【24】price,onorbeforeaspecifieddatecalledtheexpirationdateorstrikedate.Aputgivesitsthebuyertherighttosellaspecifiednumberofunitsofanunderlyingassetataspecifiedpriceonorbeforeaspecifieddate.Inallcasesthe【25】oftheoptioncontract,thewriter,issubordinatetothedecisionofthebuyer,andthebuyerexercisestheoptiononlyifitis【26】tohimorher.Thebuyerofacallbenefitsifthepriceoftheassetis【27】theexercisepriceatexpiration.Thebuyerofaputbenefitsiftheassetpriceisbelowtheexercisepriceatexpiration.Thecompletedefinitionofanoptionmustclearlyspecify【28】theoptioncanbeexercised.AEuropean-typeoptioncanonlybeexercisedonaspecifieddate,usuallythe【29】date.AnAmerican-typeoptioncanonlybeexercisedbythebuyeratanytimeuntiltheexpirationdate.Americanoptionsareusedon【30】oftheorganizedoptionsexchangesintheworld.Bothtypesofoptionscanbefreelytradedatanytimeuntilexpiration.11、標(biāo)準(zhǔn)答案：respond知識點解析：暫無解析12、標(biāo)準(zhǔn)答案：financial知識點解析：暫無解析13、標(biāo)準(zhǔn)答案：traded知識點解析：暫無解析14、標(biāo)準(zhǔn)答案：strike知識點解析：暫無解析15、標(biāo)準(zhǔn)答案：seller知識點解析：暫無解析16、標(biāo)準(zhǔn)答案：profitable知識點解析：暫無解析17、標(biāo)準(zhǔn)答案：above知識點解析：暫無解析18、標(biāo)準(zhǔn)答案：how知識點解析：暫無解析19、標(biāo)準(zhǔn)答案：expiration知識點解析：暫無解析20、標(biāo)準(zhǔn)答案：most知識點解析：暫無解析三、閱讀理解(本題共4題，每題1.0分，共4分。)CreditandcredibilityInpursuitofanewsourceofprofit,manyoftheentitiesthatcallthemselvesbankshavestrayedfarfromthebusinessoftakingandsafeguardingthepublic'sdepositsandrunningthepaymentsystem.Competitionhasforcedbankstorangesofar,insomanydirectionsandatsuchalickthat,perhapsforthefirsttimesincethedaysofShylock,itisnecessarytostoptoaskquitewhatisabank.Thegalesofchangewillleavemanybankslookingdifferentinformandsubstancefromadecadeago.Bankingistraditionallythoughtofasonebusiness,notleastofallbybankers.Yet,asMr.ThomasSteinerofMckinsey,amanagementconsultancy,pointsout,itcomprisesaround150differentlinesofbusiness.Thereislittlethatisspecialaboutmanyofthem.Infuture,plentyoftheseactivitieswillbedonebyothers,eitherinsteadoforaswellasbybanks.Ontheothersideofthecoin,manyofthethingsthatotherfinancialinstitutionsnowdowillbe-comethebusinessofsomebanks.Bankingwillstillbeaprincipalityinthekingdomoffinancialservices,butitsheartlandwillshrink.Outsiderswillmovein.Muchofthenativepopulationwillsettleelsewhere.Thebankers'diasporawillbewide.CrossingthedividesThischangeisalreadyseeninAmerica,EuropeandJapan.AmericanandJapanesecommercialbanksarepushingtheirmerchantbankingasdeeplyintothesecuritiesbusinessastheyfeeltheregulatorswillletthemgetawaywith.CiticorpandJ.P.Morganhaveallbeenal-lowedtosetupsecurities-underwritingaffiliatesslippingthroughtheSection20loopholeofthelegislationseparatingcommercialandinvestmentbanking.Thetwobusinesseshavebecomesointerwoventhat,asMr.DennisWeatherstone,presidentofJ.P.Morgan,says,wereallyhavetoripthefabrictoseparatethethreads.Fortheirpart,investmentbanksandsecuritieshouseshavebecomedirectsuppliersofcredittowiderangeoffinancialandnon-financialcustomers.Theyofferinvestmentproductsthatarevirtualsubstitutesforinterest-earningdemanddeposits.Theyownandoperatenon-bankbanksthatgiveaccesstopaymentsystems.Inshort,theyhavebecomeprovidersofservicesthatcommercialbankshavetraditionallyoffered.Thoughforbiddenfromcommercialbankingintheirhomemarket,AmericanandJapaneseinvestmentbanksandsecuritieshouseshappilyrunsuchbankingaffiliatesabroad.Itisnotonlytheboundariesbetweenthebankingandsecuritiesindustriesthatarebecomingblurred.Soarethosewithinsuranceandcommerce.Bankersarebecomingeverydayoccurrences.Japan'sNipponLifejoinedtheactinFebruarybytakinga4%stakeinSpain'sBancoBilbaoVizcayafor250m.Athome,Japaneseinsurersalreadyhaveaffiliationswithbanks,throughthewebofcross-shareholdingsofthebigindustrialgroups.America'sthirdbiggestre-tailstockbrokingfirm,Pru-Bache,hasdippedinthewatersofbankingbybuyingasmallbankinGeorgiaandmorerecentlyathrift.Everywhereordinarycommercialfirmsaremakingdeepinsuranceintofinancialservices.Retailersandmanufacturersownsecuritiescompanies,insurancefirms'thriftsandnon-bankbanks.Theyofferawiderangeofcredit,investment-bankingandinsuranceservices,tocompaniesandindividualsalike.21、Whatdoesthepronoun"themselves"(line2)refertointhetext?A、sourcesB、entitiesC、hanksD、companies標(biāo)準(zhǔn)答案：B知識點解析：暫無解析22、WhichofthefollowingstatementsisFalseaccordingtothetext?A、Competitionisgraduallyforcingbankstoquestiontheiridentity.B、Mostofthedifferentactivitiesdonebybankscouldbedonebyothertypesofinstitution.C、RegulationsinAmericaandJapanarepreventingcommercialbanksfromgettingintothesecuritiesbusiness.D、SeparatingthecommercialandinvestmentbankingactivitiesofsomeAmericanbankswouldbeverydifficult.標(biāo)準(zhǔn)答案：B知識點解析：暫無解析23、Whatdoesthissentencemean?"Bankingwillstillbeaprincipalityinthekingdomoffinancialservices,butitsheartlandwillshrink."A、Bankingwillstillbethemostimportantpartoffinancialservices.B、Bankingwillbeabsorbedbyotherareasoffinancialservice.C、Bankingwillremainanindependentbutsmallerareaoffinancialservices.D、Banking’spositionwithinfinancialserviceswillbeunchanged.標(biāo)準(zhǔn)答案：A知識點解析：暫無解析Single,butnotlevelThe1992programmeisgoingtorunabitlatefortheEuropeanCommunity'sfinancialservicescompanies.Theearliestthatthewhole--moreorless--oftheindustrywillbeabletotakeadvantageofitssinglemarketnowlookslikebeingmid-1994.ThatistheEuropeanCommission'sunstatedtimetableforECmembercountriestoimplementitsthirdlife-insurancedirective,whosedraftispublishedonFebruary20th.Thedirective,whichfollowssimilardirectiveonnon-lifeinsurancepublishedindraftafewmonthsago,isthelastbigelementinitspushtoopenfinancialmarketsthatarestillhighlyprotected.Thebroadideaisthatfinancialservicecompaniesshouldhavetherighttooperatethrough-outtheEConthebasisofasingle"passport",issuedbythesupervisoryauthorityintheirhomecountry.Thecommissionhopedtohavethemaininsurance-allliberalisedtogetherattheendof1992.Nowitlooksasifonlythebankingdirective,adoptedbytheCouncilofMinistersinDecember1989,willbeoperativeintime.AdraftinvestmentservicesdirectivewassubmittedbythecommissiontothecouncilinJanuary1989,andismuchfurtheralongthelegislativeroadthanthetwoinsurancedirectives.Yettheobstaclesthatithasrunintomakeitprobablethatevenitwillmisstheend-1992deadline.ThedirectivewouldletinvestmentbanksandstockbrokersserveclientsthroughouttheECandtradeonallECexchanges,subjectedonlytohome-countrycontrol.ProblemsaroselastNovember,whenFranceproposedtocurbtheirfreedomtotradesecuritiesoutsiderecognisedexchanges.ThishassplittheECintotheusualnorth/south,liberal/interventionistgroups.The12financeministerswilltryagainonFebruary25th,butprogressisunlikely.Eventually,acompromisewillnodoubtbereached,probablyonesayingthatsmallinvestorsshouldhavetheirordersexecutedonofficialmarketsunlesstheywantotherwise.Butallthiswilltaketimetonegotiate.Thecouncilisunlikelytoadoptthedirectiveformallymuchbeforetheendofthisyear.Governmentswillthenbehardputtogetitontotheirnationalstatutebooksbymid-1993.Dothedelaysintheinvestmentservicesandinsurancedirectivesmatter?TheECisadeptatmisseddeadlines,andend-1992wasnevercarvedinstone.Thetroubleisthatbanks,investmenthousesandinsurersarenowincompetitionwitheachother.Banksthereforewillhaveaheadstartovertheirnon-bankingrivalsinsellingcompetitiveproductsacrosstheEC.Insteadofthesingle,levelplayingfieldforfinancialservicesthattheCommunitytalksof,thefieldwillindeedbesinglebutstillslopingfromoneendtotheother.Seniorcommissionofficialssaythatitisuptonationalgovernmentstogetamoveon.Thisiswishfulthinking.OnFebruary19ththeBritishgovernmentbeganconsultingwithinterestedpartiesonlastautumn'snon-life-insurancedraftdirective.Thisprocesswilltakemonthstocomplete,andonlythen,saytheBritish,willtheybeabletobeginseriousnegotiationsintheCouncilofMinisters.Thedraftlifedirective,whilesharingsomeprincipleswiththenon-lifedraft,alsoposesnewproblemsthatwilltaketimetoresolve.Theseconcernssuchissuesasconsumerprotection(thatis,disclosure,supervisionandsoon),calculatingtechnicalprovisionstomeetinsurers'liabilities,andtheremovalofcertainnationalprovisionslikeBelgium'sbanonlife-insurancepolicieslinkedtounittrusts.24、LookCarefullyatParagraph7.Thendecidewhichofthefollowingisthebestexplanationofthelastsentenceinthatparagraph.A、Bankswillnotbeincompetitionwithinsurancecompaniesandinvestmentservicecompaniesafter1992.B、Onlybankswillbeallowedtoaltertheirareasofactivityafter1992.C、Bankswillhaveanunfairadvantageoverotherfinancialinstitutionsfrom1922.D、TheEuropeanCommissionwishestogivebanksaspecialpositioninthesinglemarket.標(biāo)準(zhǔn)答案：B知識點解析：暫無解析四、英釋漢(本題共2題，每題1.0分，共2分。)25、Becauseinsurancecontractsarecomplicated,theymustbeapprovedbytheregulatoryauthoritiestoensurethattheinsurance-buyingpublicwillnotbemistreatedasaresultofun-fairprovisions.標(biāo)準(zhǔn)答案：因為保險合同很復(fù)雜，監(jiān)管當(dāng)局必須先審批以保證購買保險的公眾不會因為不利的條款而受損。知識點解析：暫無解析26、Increasinglygloballyintegratedfinancialmarketsposesignificantchallengestotheregulationofsecuritiesandfuturesmarket.標(biāo)準(zhǔn)答案：日益在全球范圍整合的金融市場給金融市場的監(jiān)管帶來了巨大的挑戰(zhàn)。知識點解析：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,amarketisthoughtofasaformalorinformalorganizationofbuyersandsellerswhoconducttradesinparticularcommoditiesorservices.Themarketmaybelocatedatageographicalmeetingplace,suchasyourfriendlyneighborhoodbookstoreorshoppingcenter(aretailmarket).Amarketmaybeorganizedoverwideareasconnectedthroughphonesorcomputerterminals.AlthoughthetradingroomoftheNewYorkStockExchangeislocatedinNewYorkCity,buyersandsellerswhoactivelyparticipateinthismarketmayconducttheirtradesfromdistantlocations.Thisdescriptionistheinstitutionalwayoflookingatamarket.Thesecondmeaningoftheword"market"isusedinformaleconomicmodels.Heretheequationsthatexplainthedemandandsupplyofacommoditysuchasmoneyaresometimesgroupedtogether.Althoughmoneyistradedinallmarkets,thereasonsforsupplyingandholdingmoneyarethoughttobespecificenoughtowarrantseparateequations.Thisisanabstractwaytothinkofthemoneymarket.Newfinancialassetsaretradedinprimarymarkets.Financialassetsthatareresoldaretradedinsecondarymarkets.Finnsthatspecializeintradingeitherneworreissuedfinancialassetsarecalledprimaryandsecondarydealers,respectively.Bothnewandreissuedsecuritiesaretradedinmanymarkets,suchastheU.Smoneymarket.TheNewYorkStockExchange,however,isasecondarymarket.27、Afinancialmarketmaybethoughtofasanordinarymarketinwhichtradersmaybuyorsellparticularfinancialcommodities.A、Right.B、Wrong.C、Doesn’tsay.標(biāo)準(zhǔn)答案：A知識點解析：暫無解析28、Wecanlearnfromthesecondpartofthepassagethattherearesomeequationsofmarketwhichcanexplainthedemandandsupplyofthecurrencyofacountry.A、Right.B、Wrong.C、Doesn’tsay.標(biāo)準(zhǔn)答案：C知識點解析：暫無解析29、IfaconsumerwantstosellhisCDsbeforethematuritydate,hewoulddoitintheprimarymarkets.A、Right.B、Wrong.C、Doesn’tsay.標(biāo)準(zhǔn)答案：B知識點解析：暫無解析Aconsumerwithanunusedlineofcreditonhisorhercreditcardaccountmaymakeretailpurchasewithoutpresentingademanddepositcheckorcash.Unutilizedcreditcardcreditisusedinstead.Thelineofunutilizedcreditavailabletocardholdersmaybeagoodcandidateforinclusioninthedefinitionofmoney.Thesecreditlinesserveasamediumofexchangeforthepurchaseofawidevarietyofgoodsandservices.Linesofunutilizedcreditcardcreditaresimilartounutilizeddemanddepositoverdraftfacilities,whichallowcustomerstoissuechecksformoremoneythantheyhaveondeposit.Overdrafts,whichhavelongbeenusedinGreatBritainandCanada,arenowwidelyusedintheUniteStates,oftenagainstbankcreditcardcredit.Therangeoftransactionsthatmightbeincludedincomputerizedcreditcardtransactionsislarge.Taxicabs,newspaperstands,vendingmachines,publictransportation,streetvendors,andhighwaytollstations,tonamebutafewplaceswherecashisused,couldall,beprovidedwithsmallmachinesthatstoreinformationaboutpurchases.Thesedatasourcescouldbelinkedintocomputerterminalsatconvenientlocationsorcouldbeenteredsynchronouslywiththepurchasethroughcentralizedcommunicationnetworks.Acentralizedelectronicfundstransfersystemcouldeveninstantaneouslychargethepurchasesagainstthebuyers'bankaccountsandcreditthefundstothesellersbankaccounts.30、Bothlinesofunutilizedcreditcardcreditandunutilizeddemanddepositoverdraftfacilitiesallowcustomerstousemoremoneythantheyhaveondeposit.A、Right.B、Wrong.C、Doesn’tsay.標(biāo)準(zhǔn)答案：A知識點解析：暫無解析31、Thecreditcardservesasamediumofexchangeinthewiderangeoftransactions.A、Right.B、Wrong.C、Doesn’tsay.標(biāo)準(zhǔn)答案：A知識點解析：暫無解析32、Agreatamountofinformationaboutpurchaseswithcashwillbesenttothecentralizedelectronicfundstransfersystemandhandledatthesametime.A、Right.B、Wrong.C、Doesn’tsay.標(biāo)準(zhǔn)答案：B知識點解析：暫無解析六、寫作題(本題共1題，每題1.0分，共1分。)33、Describetheproceduresofcollectionaccordingtothenumbergiveninthecharter.標(biāo)準(zhǔn)答案：①applyforremittance②givereceipt③remitthemoney④advisepayee⑤receivepayment⑥sendreceipt⑦settlethedebts知識點解析：暫無解析初級銀行綜合類模擬試卷第2套一、單項選擇(本題共10題，每題1.0分，共10分。)1、Thesearefourmainmethodsofsecuringpaymentininternationaltrade:(1)paymentunderdocumentarycredit(2)openaccount(3)collection,thatisdocumentagainstpaymentoracceptanceofabillofexchange(4)paymentinadvanceFromanexporter’spointofview,theorderofpreferenceis______.A、(4),(2),(3),(1)B、(4),(3),(1),(2)C、(4),(1),(3),(2)D、(2),(4),(1),(3)標(biāo)準(zhǔn)答案：B知識點解析：暫無解析2、Internationalpaymentsandothermessagesareoftensentthroughaninternationalcomputernetworkcalled______.A、CHAPSB、SWIFTC、BACSD、EIMT標(biāo)準(zhǔn)答案：B知識點解析：暫無解析3、AcheckpayabletoJohnsonisendorsedbyhim"payParrySmithonly"Whattypeofendorsementisthis?A、BlankB、GeneralC、RestrictiveD、Special標(biāo)準(zhǔn)答案：C知識點解析：暫無解析4、Inasyndicatedloan,______handlesthenegotiationswiththeborrower,preparestherelevantdocumentationanddisbursesthefullamountoftheloantotheborrower.A、theleadbankB、theaccountingbankC、theparticipatingbankD、theagentbank標(biāo)準(zhǔn)答案：A知識點解析：暫無解析5、Whichofthefollowingstatementsisfalse?______.A、Toincreasecash,debittheaccountB、Toincreaserevenue,credittheaccountC、Todecreaseareceivable,debittheaccountD、Toincreaseareceivable,debittheaccount標(biāo)準(zhǔn)答案：C知識點解析：暫無解析6、Bypurchasinggovernmentsecuritiescommercialbanksare______.A、borrowingfromthegovernmentB、acquiringearningassetsC、makinga"loan"tothegovernmentD、bothBandC標(biāo)準(zhǔn)答案：D知識點解析：暫無解析7、Alifeinsurancepolicythathasaconstantpremiumthroughthelifeofthepolicyiscalleda______.A、termlifepolicyB、wholelifepolicyC、universallifepolicyD、fixed-ratelifepolicy標(biāo)準(zhǔn)答案：B知識點解析：暫無解析8、Whichofthefollowingisnotthedistinctionbetweenbondsandstocks?A、Bondsaredebtwhereasstocksareequity.B、Thebondholderdoesnotshareintheprofitsifacompanydoeswell,whiletheshareholderdoes.C、Asock’spricefluctuateswhilethatofabondisfixed.D、Inthecaseofbankruptcy,abondholderwillgetpaidbeforeashareholderdoes.標(biāo)準(zhǔn)答案：C知識點解析：暫無解析9、ABCcompanyisthebeneficiaryofaconfirmedirrevocableletterofcredit.bank(s)willassurethecompanythatitwillbepaid.A、OneB、TwoC、ThreeD、None標(biāo)準(zhǔn)答案：B知識點解析：暫無解析10、UnderFOBtermsthebillofladingwouldstategoods______.A、loadedonboard,freightpaidB、loadedonboard,freightpayableatdestinationC、receivedforshipment,freightpaidD、receivedforshipment,freightpayableatdestination標(biāo)準(zhǔn)答案：B知識點解析：暫無解析二、完型填空(本題共10題，每題1.0分，共10分。)Check,draw,rateofexchange,commission,endorse,subjectto,current,guaranted,participate,denominationsApersonwhohasa【21】accountwithabankcanobtaincashinothercountriesinvariousways.Themostcommonmethodisthepurchaseoftravellerscheques.HecanalsousehisEurochequecardasidentificationto【22】hischeques.Orhecan【23】onhisaccountinhisowncountry,whichmeansthatthecashierwillhavetotelephone,cable,ortelexhisbranchforconfirmation.Hewillhaveto【24】thecheque,thatis'writehissignatureontheback.MostofthemajorbanksinEurope【25】intheEurochequescheme.Whencashierhandletravellerscheques,theymust【26】thatthecountersignatureisthesameasthesignature.Theholdermustthenproducehispassportasidentification.Whentheformalitiesarecompleted,thecashiercanissuebanknotesandcoinstothecustomer,usingthecurrent,【27】tocalculatehowmuchtoissue.Travellerschequeshavetheadvantagesofconvenienceandsafety.Theycanbeissuedin【28】of10,25,50,100and250,【29】exchangecontrolregulations,theymustpayasmall【30】,orservicechargeasitiscalledintheUSA.11、標(biāo)準(zhǔn)答案：current知識點解析：暫無解析12、標(biāo)準(zhǔn)答案：draw知識點解析：暫無解析13、標(biāo)準(zhǔn)答案：check知識點解析：暫無解析14、標(biāo)準(zhǔn)答案：endorse知識點解析：暫無解析15、標(biāo)準(zhǔn)答案：participate知識點解析：暫無解析16、標(biāo)準(zhǔn)答案：guarantee知識點解析：暫無解析17、標(biāo)準(zhǔn)答案：rateofexchange知識點解析：暫無解析18、標(biāo)準(zhǔn)答案：denominations知識點解析：暫無解析19、標(biāo)準(zhǔn)答案：subjectto知識點解析：暫無解析20、標(biāo)準(zhǔn)答案：commission知識點解析：暫無解析三、閱讀理解(本題共10題，每題1.0分，共10分。)Theimporterwillrequireafullsetofbillsofladinginordertoobtainthegoodsfromoverseasport.Thebillsofladingcanonlybeobtainedbypaymentofthebillofexchange(D/P),orbyacceptance(D/A).Therefore,theimportercannotobtainthegoodswithoutpayingoracceptingthebillofexchange,andconverselyanexporterretainscontrolofthegoodsuntilpaymentoracceptanceofbillofexchange.Whengoodsaresentbyair,theairwaybillcouldshowtheimporter'sbankasconsignee.Onceagaintheimportermustpayoracceptabillofexchangetobeabletoobtainthegoods.Oncetheimporterhaspaidoracceptedthebillofexchange,theimporter'sbankwillissueadeliveryorder.Thedeliveryorderisanauthority,signedonbehalfofthebank,authorizingtheairporttoreleasethegoodstothenamedimporter.Anexportershouldobtaintheprioragreementoftheimporter'sbankbeforeheconsignsgoodstothatbank.Inpractice,theimporter'sbankwillnotagreetobenamedasconsignee,unlessitsowncustomerisofmajorimportance.WhenD/Ptermsareused,itisunnecessarytoincludeabillofexchange,sincetheover-seasbankcanreleasedocumentsonpaymentoftheinvoiceamount.However,sightdraftsareusuallyincluded.21、ThemeaningofD/Pis______.A、DollaragainstPoundB、documentagainstpaymentC、deliveryafterpaymentD、Dollarinpayment標(biāo)準(zhǔn)答案：B知識點解析：暫無解析22、Theimportercanobtainthegoodsonlyby______.A、payingoracceptingthebillofexchangeB、payingincashC、openingaletterofcreditD、showingthebillofexchange標(biāo)準(zhǔn)答案：A知識點解析：暫無解析23、Whengoodsaresentbyair,______canissueadeliveryordertoreleasethegoods.A、theexporterB、theexporter’sbankC、theimporterD、theimporter’sbank標(biāo)準(zhǔn)答案：D知識點解析：暫無解析24、Theimporter’sbankwillnotagreetobenamedasconsigneeunless______.A、itsowncustomerisofmajorimportanceB、theexporterwillnotobtaintheprioragreementfromitC、theexporter’scustomerisnotofmajorimportanceD、itworriesabouttheimporter’spotentialdefault標(biāo)準(zhǔn)答案：A知識點解析：暫無解析25、______arethemostimportantdocumentsininternationalsettlement.A、Commercialinvoice,billofladingandinsurancedocumentsB、Commercialinvoice,insurancedocumentsandairwaybillsC、Billoflading,airwaybillsandabillofexchangeD、Sightdrafts,deliveryorderandbilloflading標(biāo)準(zhǔn)答案：A知識點解析：暫無解析Afirm’scashflowscanbedividedintocashflowfrom:(1)operatingactivities(2)investmentactivities,and(3)financingactivities.Theoperationactivitycashflowsarecashflows--inflowsandoutflows--directlyrelatedtooriginationandsaleofthefinancialfirm'sassetsandtooperatingcostssuchasgeneralmarketactivities,securitytradingactivities,interestreceivedandforeclosedcollateral.Investmentactivitycashflowsarecashflowsandfinancialinvestments.Clearly,purchasetransactionswouldresultincashoutflowswhereassalestransactionwouldgeneratecashinflows.Thefinancingactivitycashflowsresultfromdebtandequityfinancingtransactions.Borrowingandrepayingeithershort-termdebtorlong-termdebtwouldresultinacorrespondingcashinfloworoutflow.Similarly,thesaleofcommonorpreferredstockwouldresultinacashinflowwhereastherepurchaseofstockorpaymentofcashdividendswouldresultinafinancingoutflow.Summarizingthefirm'soperating,investment,andfinancingactivitycashflowsduringagivenperiodhelpstoaccountforchangesinthefirm'scashpositionfromthebeginningtotheendoftheperiodchosen.Managingcashisaveryimportantactivityforfinancialintermediaries.Thecashflowstatementprovidesthebasicsstructureofallsourcesandusesofcash.26、Thestatementofcashflowhelpstoexplainthechangein______.A、netprofitaftertaxesB、retainedearningsofagivenperiodC、thefirm’scashpositionofgivenperiodD、financialpositionofthefirm標(biāo)準(zhǔn)答案：C知識點解析：暫無解析27、Cashflowsfromdebtandequityfinancingtransactionsaresaidtobeakindof______.A、securitytradingactivityB、operatingactivityC、investmentactivityD、financingactivity標(biāo)準(zhǔn)答案：D知識點解析：暫無解析28、Whichofthefollowingdoesnotcausecashinflow?A、Originationofthefinancialfirm’sassets.B、Saleofbothoperationfixedassetsandfinancialinvestments.C、Repurchaseofstock.D、Borrowingoflong-termorshort-termdebt.標(biāo)準(zhǔn)答案：C知識點解析：暫無解析29、Thecashflowstatementprovidesthebasicstructureofall______.A、assetsandliabilitiesB、sourcesandusesofcashC、itemsofinterestincomeD、dividendspaid標(biāo)準(zhǔn)答案：B知識點解析：暫無解析30、Thestatementofcashflowhelpsafirmtomanageits______.A、assetsB、assetsandliabilitiesC、capitalstructureD、liquidityposition標(biāo)準(zhǔn)答案：D知識點解析：暫無解析四、英釋漢(本題共2題，每題1.0分，共2分。)31、Fromatechnicalpointofview,internationaleconomicintegrationcanbealimitedprocess,i.e.theeliminationoftariffsandquantitativerestrictions.標(biāo)準(zhǔn)答案：從法律角度看，世界經(jīng)濟全球化是一個受到限制的過程，比如，一個清除關(guān)稅和數(shù)量限制的過程。知識點解析：暫無解析32、Theglobalizationoftheinsuranceindustryhasbeenacceleratingasmergersandacquisitionshavecontinuedtocrosscountryborders.標(biāo)準(zhǔn)答案：隨著兼并愈來愈跨國界地進行，保險業(yè)的全球化一直在加速。知識點解析：暫無解析五、判斷正誤(本題共7題，每題1.0分，共7分。)Manypeoplehavetwoaccountsinabank,Asavingsaccountandacheckingaccount.Whenpeopledepositmoneyinasavingsaccount,itearnsinterest.Theycanwithdrawtheirsavingsatanytime,unlessitisaspecialnoticeaccount.Aspecialnoticeaccountearnshigherinterest,butyoumustgivethebank90daysnoticebeforewithdrawingmoneyfromit.Peopleusecheckingaccountsforconvenience.Theydepositsomemoneyandwritecheckswhentheywanttopaybills.Thiswaytheydonothavetosendcashthroughthemail.Theydonothavetocarryalotofcashwiththem,fortheycanwriteacheckinstead.Attheendofthemonth,thebankreturnsthecheckstheyhavewrittenandhavebeencashed.Thebankalsosendsastatementofallthechecksused.Thatwaypeoplehavearecordofhowmuchmoneytheyhavespentthatmonth.33、Moreandmorepeopleusethespecialnoticeaccountsoastoearnmoreinterest.A、RightB、WrongC、Doesn’tsay標(biāo)準(zhǔn)答案：C知識點解析：暫無解析34、Peopleusingsavingsaccountscanwithdrawtheirsavingswhenevertheylike.A、RightB、WrongC、Doesn’tsay標(biāo)準(zhǔn)答案：A知識點解析：暫無解析35、Fromthepassage,wecaneasilyinferthatpeopleusingcheckingaccountsalsoearninter-est.A、RightB、WrongC、Doesn’tsay標(biāo)準(zhǔn)答案：B知識點解析：暫無解析WashingtonMarch15-TheadministrationofPresidentCarlArlingtodaypredictedanothersixmonthsofslowGNPgrowthandrisinginflation.Chiefeconomicadvisortothepresident,WalterAbel,toldanewsconferencethatin-creasedforeigncompetitio