金融英語短文篇一：金融英語閱讀

金融英語閱讀：支票賬戶

When a bank makes a payment on a check, it cancels the check. That is, it marks the check with some kind of stamp so that the check cannot be used again. Postage stamps are also canceled to indicate that they have been used and cannot be used again.

當銀行兌付支票時要予以注銷，也就是說，銀行要用某種戳記蓋在支票上，支票就不會再使用了。郵票也要注銷，表明郵票已經(jīng)用過，不能再用。

If you have a checking account, the bank sends you your canceled checks along with your monthly statement. These checks can be used instead of receipts. They can be used as proof that payment has been made.

如果你有支票賬戶，銀行每月把你的付訖支票連同月度清單送給你。這些支票可以代替收據(jù)，當作付款的證據(jù)。

If you open an account or if you want to cash a check, you must provide proof of your identity. In the U. S., a driver's license is probably the most frequently used kind of identification. Passports are always acceptable for this purpose. When you open an account, you are asked to fill out a signature card. You must be careful to sign your name exactly as you intend to write it on your checks. The bank compares the signature on your checks with that on your signature card. If there is any doubt about the signature, the bank will refuse to cash the check and will return the check to the endorser. A check must be endorsed before it can be cashed - that is, the person or company to whom the check is made out must sign it on the back.

如果你要開戶，或想兌現(xiàn)支票，必須提供你的身份證件。在美國，駕照也許是最常用的身份證件，護照一直當作身份證使用。在你開戶時，銀行會要你填寫一張印鑒卡，你必須認真地簽字，它要同你今后在支票上的簽字完全相符，銀行會將支票上的簽字與你印鑒卡上的簽字核對。如果銀行對簽字的真實性有懷疑，它將會拒絕兌現(xiàn)支票，將支票退給背書人。支票在兌現(xiàn)之前必須先背書，也就是說，支票向其開出的個人或公司必須在支票的背面簽字。

When you put money in the bank, you write the date and the amount deposited on a deposit slip.

當你到銀行存款時，你要在存款憑條上寫明日期和所存的金額。

At the end of the month, the bank sends you a statement of your account. The statement provides a summary of the checks that have been paid and the deposits that have been made. The amount that is left in your account after the cheeks have been deducted and the deposits have been credited is the balance.

到月底，銀行會把賬戶的對賬單送給你，對賬單提供了支票付款及存款的情況摘要。在扣除了支票款及貸記的存款額之后，賬戶上剩下的金額就是余額。

If you ever went to the United States to study in a college or a university, one of the first things you would have to do is open a checking account. You would find it safer and more convenient to put your money in a bank and write out checks to pay for your larger purchases. And checking accounts have other advantages as well. The canceled checks that are returned to you provide a record of where your money was spent, and they can serve as proof that payment was received ---- that is, canceled checks can serve as receipts.

如果你到美國上大學，你必須要做的一件事就是開立一個支票賬戶。你會覺得把錢存在銀行更安全，用支票購買大件商品更方便。而且支票賬戶還有其他優(yōu)點。寄回的付訖支票記載了你花錢的地點，當作收到款項的證據(jù)，也就是說，付訖支票可以當作收據(jù)。

If you went to a bank to open an account, you would probably go through most of the following procedures.Not all banks have the same requirements for opening new accounts, of course, and the routine may vary somewhat. First you would go to the New Accounts Department and fill out a signature card. In order to open an account, you would have to furnish proof of your identity. A passport is one of the best kinds of identification to have, but other kinds are accepted, one of the most common being a driver's license. You would need to have a permanent address in the city, and you would also be asked to supply the name of a permanent resident who is willing to recommend you. For this purpose you could use the name of your landlord or landlady, for example, or the name of the foreign student adviser at the university. And last but not least, you would need to bring some cash with you in order to open your account. Many banks require a minimum cash deposit of $ 50.

如果你到銀行開立賬戶，也許會經(jīng)歷以下手續(xù)。當然，不是所有的銀行都有相同的開戶要求，手續(xù)可能有些不同。首先，你要到開戶部填寫印鑒卡，開戶時必須提供你的身份證件。護照是一種最好的身份證件，但其他類型的身份證件也行，最常用的一種就是駕照。你須有市區(qū)的常住地址，并提供一位愿意作為你開戶介紹人的常住居民的名字。為此，你可以用，比如，你的房東、房東太太，或大學外國留學生導(dǎo)師的名字。最后的一項要點是，你要帶一些現(xiàn)金以便開戶。許多銀行規(guī)定了最低起存金額50元。

After you had completed your application, the bank would make up an individual folder for your account. Your signature card would be kept in this folder. Whenever checks were received for payment, the bank would file them by number in your folder and compare the signatures with the one on your card. If there was any doubt about a particular signature, the check would not be paid and would be returned to the endorser.

辦完申請手續(xù)后，銀行會為你制作個人賬戶的賬夾。你的印鑒卡就放在賬夾內(nèi)。當銀行

收到你的支票要求付款時，它將按賬號存放在你的賬夾內(nèi)，并將簽字與你預(yù)留印鑒卡上的簽字核對。如果對不正常的簽字有疑問，銀行將不予支付，并退給背書人。 金融英語閱讀：銀行的基本功能與業(yè)務(wù)

Banks were developed to keep people's money safe and to make it available when they needed it. Since money was invented, people have been borrowing and lending it.

開辦銀行是為了穩(wěn)妥地保管人們的錢財，使他們在需要時能隨時提取。自從貨幣出現(xiàn)以來，人們一直在進行貨幣的借貸活動。 A modern bank accepts people's money for safe-keeping. It also lends money and offers many other services. The experience of a businessman will show some of these. James Jones has a furniture store and buys his goods from different parts of the country. It isn't convenient for him to send money through the mail, so he goes to the bank and opens a checking account. He puts his money in the bank regularly, and the bank keeps it until he writes checks for that amount. When Mr. Jones orders furniture from the Modern Furniture Company in another city, he simply writes a check. This check is as good as money to the owner of the company. The owner can take it to his bank and cash it, that is, he can get money for it.

現(xiàn)代銀行從客戶手中吸收貨幣并加以妥善保管，也貸放貨幣，并提供許多其它服務(wù)。我們從一個商人的經(jīng)歷可以看到銀行是如何辦理某些業(yè)務(wù)的。詹姆斯·瓊斯開了一個家具店，需要從全國各地購買家具。通過郵局匯款使他感到不方便，因此，他到銀行開了一個支票賬戶。通常他把錢存放在銀行，銀行保管著這筆錢，直到他開支票提完這筆錢為止。當詹姆斯·瓊斯從另外一個城市的摩登家具公司定購家具時，他只要開出一張支票。這張支票對公司的老板來說就跟真正的貨幣一樣，該老板可以拿著支票到銀行去兌現(xiàn)，也就是說，他可以憑支票取錢。

Now and then Mr. Jones deposits money in a savings account at the bank. The bank then uses this money and pays him a certain percentage on each dollar every year. For example, if he deposits $ 1000 and the bank pays him 4 percent, he will have earned $ 40 by the end of the year. This payment is called interest.

瓊斯先生時常把錢存放在銀行的儲蓄賬戶上，銀行就使用這筆錢，每年按每一美元的一定百分率付給他利息。比如說，如果他存1000美元，銀行付給他4%的利息，他會在年底得到40美元。這筆錢就是利息。

Mr. Jones can usually borrow from the bank if he needs money. He can arrange for a bank loan at the loan department. If the bank lends him money, he must pay interest for its use. Sometimes, instead of putting his money in a savings account, Mr. Jones wants to invest it in some business firm, and he may ask the investment department of his bank for advice.

瓊斯先生如果需要錢用，通常可以向銀行借。他可以在銀行貸款部籌到一筆銀行貸款。

如果銀行貸款給他，他就必須為使用這筆貸款而支付利息。有時，瓊斯先生不把錢存放在儲蓄賬戶上，而是想把錢投到實業(yè)中去，他可以向銀行的投資部門咨詢。

Mr. Jones gets still other services from the bank. When he travels, he buys traveler's checks from the bank instead of carrying money with him. And he can rent a safe-deposit box in the bank for his valuable papers and articles.

瓊斯先生還可以得到銀行的其他服務(wù)。當他外出旅行時，不是把錢帶在身上，而是從銀行購買旅行支票。他還可以租借銀行的保管箱，存放有價證券和貴重物品

It's hard to imagine that people could do business without the services of a bank.

很難想象出人們在沒有銀行服務(wù)的情況下做生意的情形。

金融英語閱讀：銀行是如何運用資金的

A banker must always remember that he is dealing with other people's money and that he is responsible for its safety. But he cannot keep his deposits lying idle in his safes and strongrooms. He must use them----and he is expected to use them to produce an income. A banker also earns money from the charges which he makes for some of his services, but much the greater part of a bank's income comes from investing and lending its deposits. From these various receipts the banker has to meet the expenses of running the bank----including, for example, the salaries of its staff---pay interest to its depositors and earn a profit for shareholders.

銀行家會永遠記住，他在和別人的錢打交道，對錢的安全負有責任。但銀行家不能將存款一直閑置在保險箱和保險庫里，必須運用這些錢——而且想用這些錢獲得收益。銀行家還從其提供服務(wù)的手續(xù)費中獲得貨幣收入，除此而外，銀行的絕大部分收入是通過投資和出借儲蓄資金而獲得的。銀行家必須用這些各種各樣的收入來支付銀行的經(jīng)營費用——包括，比如職工薪酬，支付存款人的利息，給股東分配紅利等。

How do the clearing banks meet these requirements? Their first concern is to see that they always have sufficient notes and coin in their tills, or in reserve, to meet instantly all the demands for cash that may be made upon them. Customers are constantly drawing cash from their accounts to spend and to pay wages and salaries, but this money is quickly returned to the banks by the shops and traders who receive it and who pay it into their own bank accounts. Cash is a banker's stock in trade but it earns nothing and costs him a great deal to store, safeguard and transport, so he will keep as little of it as he can.

清算銀行是怎樣滿足這些需要的呢？他們最關(guān)心的是確保錢柜里，或儲備有足夠的鈔票，迅速應(yīng)付可能發(fā)生的各種現(xiàn)金支取。客戶隨時可能從其賬戶上支取現(xiàn)金用于消費，支付工資與薪酬，但是這些錢很快通過收到款項的商店和商人回到銀行，存入他們自己的銀行戶

頭�，F(xiàn)金是銀行的備用金，沒有任何收益，還要花費很大的代價去貯存，保管和運送，因此，銀行盡可能保留極少的現(xiàn)金。

To reinforce their cash reserves, banks keep another sizeable chunk of their money in assets which can be quickly turned back into money with little risk of loss. These “l(fā)iquid assets” include loans made for very short periods----often overnight----to discount houses （which are special financial organizations in the London Money Market）. Other liquid assets are commercial bills and Treasury bills issued by the Government. These “bills”are traded in the money market and can always be sold quickly.

為了增補現(xiàn)金儲備，銀行以資產(chǎn)的形式保存另外很大一部分資金。這些資產(chǎn)可以迅速轉(zhuǎn)變成現(xiàn)金，沒有什么損失風險。這些“流動資產(chǎn)”包括向貼現(xiàn)公司（貼現(xiàn)公司是倫敦貨幣市場的專業(yè)金融機構(gòu)）發(fā)放的短期——通常是隔夜貸款。其他的流動資產(chǎn)有商業(yè)票據(jù)和政府發(fā)行的國庫券。這些“有價證券”在貨幣市場上交易，并能迅速地賣出去。

The banks' short-term assets earn interest but less than that obtained through “Investments” and “Advances to customers”. The banks investments are nearly all in securities issued or guaranteed by the British Government and quoted on the Stock Exchange. Like the short-term assets, they too can be readily sold, should the need arise, but their price can vary.

銀行的短期資產(chǎn)能夠獲得利息，但與通過“投資”和“對客戶的預(yù)付款”所獲利息相比要少。銀行投資幾乎都是由英國政府發(fā)行或擔保的有價證券，并由股票交易所報價。這些有價證券和短期資產(chǎn)一樣，如果有市場需求，可以隨時出售，但價格時常有變化。

Advances are the amounts which the banks lend to their customers. They earn a higher rate of interest than the banks' other assets, but as we shall see, there is a lot of work involved in managing them and, despite all the precautions which a bank may take, they are seldom entirely free from risk. Advances cannot be so conveniently and quickly turned into cash as most of a bank's other assets.

預(yù)付款是銀行貸給客戶的錢，所獲利息要高于銀行的其他資產(chǎn)。但我們也要看到，管理這些預(yù)付款要做大量工作，盡管銀行采取了各種預(yù)防措施，還是不能夠避免所有的損失。預(yù)付款和銀行的其他資產(chǎn)不一樣，不能夠那么方便、那么迅速地變現(xiàn)

英漢《營銷學》常用詞匯三

Pacific Electric 太平洋電氣 packaging 包裝

panel of experts 專家小組parentage 淵源

parties involved 交換中的各方 payment terms 支付條款

pay-off control 支出控制 penetration pricing 滲透定價

Pepsi-Cola 百事可樂 perceived customer value 顧客感知價值

perceived quality 感知到的質(zhì)量perceived value 感知到的價值

金融英語短文篇二：金融專業(yè)英語閱讀(答案)

Lesson One

Translate the following passage into Chinese

1. 緊縮性貨幣政策和擴張性貨幣政策都涉及到改變一個國家的貨幣供應(yīng)量水平。

擴張性貨幣政策增加貨幣供應(yīng)量，而緊縮性貨幣政策會減少貨幣供應(yīng)量。

2. 當聯(lián)邦儲備體系在公開市場上購買有價證券，會引起證券價格上漲。債券價格

和利率成反比關(guān)系。聯(lián)邦貼現(xiàn)率就是一種利率，因此降低聯(lián)邦利率實際上就是降低利率。如果聯(lián)邦儲備系統(tǒng)決定降低法定儲備要求，那么銀行能夠進行投資的資金會增加。這會引起投資比如債券價格的上漲，因此利率會降低。無論聯(lián)邦儲備體系用何種方法來增加貨幣供應(yīng)量，利率都會降低，債券價格會上漲。

Translate the following sentences into English

1. China would maintain a stable currency and prudent monetary policy, and expected to stay within its growth and inflation targets this year

2.China would also maintain a prudent monetary policy to support economic development while preventing inflationary pressure and financial risks

3. China’s economy continued to grow steadily and rapidly in the first quarter, with investment in fixed assets slowing and domestic consumption accelerating.

4.because of China’s large increase in its trade surplus and foreign exchange reserves in the first quarter, the effectiveness of its monetary policy — used to help control inflation — was facing “serious challenges.”

5. The central bank would seek to further streamline its foreign exchange system to facilitate the orderly outflow of funds. At the same time, it would tighten the management of foreign exchange inflows and settlement.

—Three

Translation:

Translate the following passage into Chinese

1．外匯交易當然是指兩種不用貨幣之間的交易了。每一組貨幣的交易或“買賣”都包

含兩個部分。一個是即期市場，在這個市場中支付（交付）需在交易時立即進行（在實際操作中一般是在第二個交易日進行），另一個就是遠期市場。遠期市場的匯率是在交易的時候就先確定了，但實際的交易，或交付則是在未來的某個特定時間進行的。

2．外匯交易期權(quán)是指一種貨幣和另一種貨幣在未來進行交付的一個合同，在此合同中，

期權(quán)的所有者有權(quán)力以雙方商定的價格買進（或賣出）貨幣，也可放棄該權(quán)力。買進的權(quán)力叫看漲期權(quán)，賣出的叫看跌期權(quán)。為了獲取此種權(quán)力就需要支付期權(quán)費。期權(quán)的出售者收到期權(quán)費后，如果買方行使期權(quán)的話，那么賣方就有義務(wù)以先前預(yù)定的價格交貨或收貨。

Translate the following sentences into English

1．As the internationalization of business grows, so too does your company's exposure to exchange rate fluctuations. The tools and techniques available to help you mange this exposure are developing rapidly but these instruments carry their own particular challenges and risks, and the price for inappropriate hedging strategies can be high.

2. While the amount of the transaction, the payments procedure, and the exchange rate are all determined in advance, no exchange of money takes place until the actual settlement date. This commitment to exchange currencies at a previously agreed exchange rate is usually referred to as a forward contract.

3. Futures are also standardized in terms of delivery date. The normal currency futures delivery dates are March, June, September and December, while forwards are private agreements that can specify any delivery date that the parties choose.

4．Another difference is that forwards are traded by phone and telex and are completely independent of location or time. Futures, on the other hand, are traded in organized exchanges such the LIFFE in London, SIMEX in Singapore and the IMM in Chicago.

5．Thus forwards and futures serve similar purposes, and tend to have identical rates, but differ in their applicability. Most big companies use forwards; futures tend to be used whenever credit risk may be a problem.

-Six

Translate the following passage into Chinese

1. 把交易記錄在日記賬上標志著復(fù)式記賬制度的開始。在這個制度中，一個組織的財務(wù)狀況受到多個相互關(guān)聯(lián)方面的影響，每一個方面都稱作一個賬戶（例如，應(yīng)付工資賬戶）。每一筆交易都可看作由兩個方面或更多方面組成， 我們稱之為交易的借方（或左邊）和貸方（或右邊）, 并且，其中每一方面都對組織的財務(wù)狀況產(chǎn)生各自的影響。

2. 將（所有的財務(wù)）數(shù)據(jù)轉(zhuǎn)入分類賬后，把所有賬戶的借方或貸方余額列出來，計算一下所有的借方余額合計數(shù)是否與所有的貸方余額合計數(shù)相等（因為每一筆交易都被同時記錄為借方和貸方）。這種方法稱為試算平衡。這一處理程序及其后的那些處理程序都將在財務(wù)報告期的后期進行。一旦成功地做好試算平衡，會計循環(huán)的簿記部分就完成了。

Translate the following sentences into English

1. Information relating to the financial position of an enterprise is presented on a balance sheet, while disclosures about operating results are displayed on an income statement. Information relating to an organization’s liquidity—namely, how it obtains and spends cash—is shown on a statement of cash flows.

2. Modern accounting entails a seven-step accounting cycle. The first three steps fall under the bookkeeping function—that is, the systematic compiling and recording of financial transactions.

3. In the next step in the accounting cycle, the amounts that appear in the various journals are transferred to the organization's general ledger—a procedure called posting.

4. Subsidiary accounts may also be kept for the wages paid to each employee, for each building or machine owned by the company, and for amounts owed to each of the enterprise's creditors.

5 The final step is to close non-cumulative accounts. This procedure involves a series of bookkeeping debits and credits to transfer sums from income-statement accounts into owners' equity accounts.

-Nine

Translate the following passage into Chinese

1. 首先，理賠代表要確認在發(fā)生損失時索賠者實際上已從公司購買保險單并且支付的保險費能夠包含該時間段。例如，如果保險客戶未進行支付，導(dǎo)致保險單過期，則保險公司不會對保險單過期后的索賠進行支付。

2. 理賠代表還會確認保險單中達成的條款適用于特定索賠，包括導(dǎo)致?lián)p失的特別事件。例如對人們的房屋進行保險的標準保險單一般涵蓋如閃電、風暴等自然事件造成的損失。然而，它們不包括洪水或地震造成的損失。最后，謹慎的理賠程序可確保索賠者的保險團體其他成員盡可能少的支付保險費又可以充分支付正當索賠。

Translate the following sentences into English

1. Some of the most important of these criteria include: (1) the financial stability of the insurance company, (2) the price of policies, and (3) details of coverage and service.

2. Only a financially sound company can fulfill its promise to pay in all circumstances.

3. Policy prices vary significantly among companies, but competition usually forces most companies’ prices into a narrow range.

4. People seeking to buy insurance often use the services of an insurance agent or broker to assist in their purchase.

5. Thus, a detailed examination of coverage in policies provided by different, well-regarded

companies can help consumers make the best choice based on the risks they face, their needs, and their finances.

-Twelve

Translate the following passage into Chinese

1. 信貸員評估這份報告，并與分析師共同討論報告是否有錯誤、遺漏和夸大。如果信用（貸款）無法滿足銀行的風險標準，信貸員就通知借款人最初的（借款）請求已被拒絕。信貸員可以建議借款人采用一些步驟，以改善借款人的狀況和還款前景，并在境況改善之后再次提出借款請求。如果信用在風險范圍之內(nèi)可以接受，信貸員則提出明確的初步貸款條件，包括貸款額度、到期日、利率、抵押擔保要求、還款計劃等。

2. 很多小銀行沒有專門的信貸部門和專職的分析師來準備有關(guān)的信用歷史紀錄。信貸員獨自完成上面列出來的步驟，然后再決定是接受還是拒絕一項貸款請求。通常，貸款請求在未經(jīng)了解借款人的詳細狀況的情況下就被接受了。財務(wù)報表可能是手寫的或是未經(jīng)審計，或不符合公認會計原則。然而，借款人也許擁有良好的信譽和充實的資產(chǎn)凈值。在這種情況下，信貸員要與借款人一起準備正式的貸款請求并獲得盡可能充分的財務(wù)信息。這可能意味著（信貸員）要親自審計借款人的收入、支出、應(yīng)收款項和存貨等項目。

Translate the following sentences into English

1、The credit file contains background information on the borrower, including call report summaries, past and present financial statements, pertinent credit reports, and supporting schedules such as an aging of receivables, a breakdown of current inventory and equipment, and a summary of insurance coverage.

2、If the customer is a previous borrower, the file should also contain copies of the past loan agreement, cash flow projections, collateral agreements and security documents, any narrative comments provided by prior loan officers, and copies of all correspondence with the customer. Capacity involves both the borrower’s legal standing and management’s expertise in maintaining operations so the firm or individual can repay its debt obligations. A business must have identifiable cash flow or alternative sources of cash to repay debt. An individual must be able to generate income.

3、Complacency refers to the tendency to assume that because things were good in the past they will be good in the future. Common examples are an overreliance on guarantors, reported net worth, or past loan repayment success because it’s always worked out in the past.

Competition involves following competitors’ behavior rather than maintaining the bank’s own credit standards. Doing something because the bank down the street is doing it does not mean it’s good.

金融英語短文篇三：金融英語最新五套題及答案

Test 1

Part One Listening

Section One (10%)

Directions: In this section you will hear 10 short statements. Each statement will be spoken only once. After each statement there will be a pause. During the pause, you must read the four suggested answers marked a, b, c and d, and decide which is the best answer. Now you will hear the example:

She went to the bank with Mr. Smith.

You will read:

A. She went home.B. She liked Mr. smith. C.She went to the bank.D.She went to Mr. Smith's house.

Statement C, "She went to the bank" is the closest in meaning to the statement "She went to the bank with Mr. Smith." Therefore, you should choose answer C. Now listen to the statements.

1.A. The central bank controls many factors that affect the success of banking supervision.

B. The success of banking supervision depends on the controls of the central bank.

C. The success of banking supervision relies on many factors that are not under the control of the central bank.

D. Many factors under the control of the central bank result in the success of banking supervision.

2.A. You cannot sign your name on the upper left corner that does not comply with the agreement.

B. Your signature does not agree with the specimen signature on the upper left corner.

C. The signature on the upper left corner is not the countersign in the

agreement.D. You cannot agree with the signature on the upper left corner.

3. A. The Chinese banks will not come to compete with the foreign banks in

Renminbi business.

B. Foreign banks will be allowed to do Renminbi business which is a challenge to the Chinese banks.

C. It will be a real great challenge to the Chinese banks when the foreign banks have the right to do Renminbi business.

D. In order to have real competition with the Chinese banks, foreign banks should be allowed to do Renminbi business.

4.A. I remitted the money to you after the sale of my stocks.

B. Your bank account had been credited with the remittance since I sold my shares last week.

C. The money had already been credited to your account last week after I sold my shares.

D. The money had not been remitted to you since I failed to sell my stocks last week.

5.A. The bank makes profits only from its own money. B. The bank makes profits not only from the deposits but also from its own money. C. The bank makes profits with special obligations to depositors. D. The bank has special obligation to make profits.

6.A. We thank you for your doing kindness to us. B. We hope you send us your check as soon as possible.

C. We thank you because you provide us convenience in checking. D. You will have to pay us $50,000.

7. A. The Chinese economists made a proposal that banks' savings interest rates should further be lowered.

B. The Chinese economists thought banks' savings interest rates should be improved.

C. The Chinese economists believed that banks' savings interest rates should be maintained.

D. The Chinese economists suggested that banks' savings interest rates should be kept.

8.A. We are the credit holders. B. We are the bank who can encash the card.

C. We are the bank who can stop your lost card. D. We are the bank who can find your lost card.

9. A. In the foreign exchange market, exchange rates are quoted by the sellers and buyers. B. In the foreign exchange market, exchange rates are quoted by commercial banks. C. In the foreign exchange market, selling and buying of foreign exchange decide exchange rates. D. In the foreign exchange market, exchange rates are fixed by governments.

10.A. The bank has the right to charge you fees if your check has bounced.

B. The bank will not charge you any service commission even if your check returned.

C. No one reserves the right to impose a service charge for returned cheques.

D. The bank has the right to impose a charge for encashed cheques.

Section Two (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. The conversations and questions will be spoken only once. During the pause, you must read the four suggested answers marked a, b, c, and d, and decide which is the best answer

Now you will hear :

M: Does our bank have a direct correspondent relationship with the Bradalys' Bank?

W:No, we don't. So we have to advise this L/C via another bank.

Q: Which of the following is right?

Now you will read:

A. We can advise this L/C to the Bradlays' Bank. B. The Bradlays' Bank is our correspondent.

C. The L/C has to be advised by a third bank. D. We should advise this L/C by ourselves.

From the conversation we know that we have to advise this L/C via another bank. The best answer is C. Therefore you should choose answer C.

11. A. Her account number is 60789410 B. Her account number is 60798410

C. Her account number is 60798401 D. Her account number is 60789140

12.A. in the safe B. in the drawer C. on the desk D. in the box

13. A. 1.89% B. 1.98% C. 8.19% D. none

14.A. to open an account with the bank B. to exchange money

C. to check if the remittance has arrived D. to remit some money to her brother Tony Waller

15.A. employee and boss B. broker and bank clerk C. two bank clerks D. bank clerk and customer

16.A. 8 hoursB. 10 hours C. 12 hours D. 24hours

17.A. one month B. twelve months C. six months D. half a month

18.A. draw money from her account through ATM. B. write her secret code on the card.

C. forget her password. D. ask somebody to pick up her card.

19.A. US$ 24,580 B. US$ 28,450 C. US$ 45,280 D. US$ 25,480

20.A. Special risks will be excluded. B. You have to pay more money for the inclusion of all risks.

C. Exclusion of the special risks means more money you have to pay.

D. You have to pay more premium to include a special risk.

Section Three (10%)

Directions: In this section, you will hear 3 short passages. At the end of each passage you will hear some questions about what was said. The passages and questions wi1l be spoken only once. During the pause, you must read the four suggested answers marked a, b, c, and d, and decide which is the best answer

Questions 21--23 are based on passage 1

21.A. three B. four C. fiveD. six

22.A. one-dollar billB. five-dollar bill C. ten-dollar bill D. twenty-dollar bill

23.A. by checks and fund transfers B. by CHAPS and fund transfers

C. by CHIPS and fund transfers D. by SWIFT and fund transfers

Questions 24-26 are based on passage 2

24.A. They will buy houses.B. They will buy cars. C. They will postpone building a new plant. D.They will hire more workers.

25.A. because they affect consumers' willingness to spend or save.

B. because they affect businesses' investment decisions.C. because interest rates are the cost of borrowings. D. both a and b.

26.A. mortgage interest rates B. car loan rates

C. interest rates on many different types of bonds D. current interest rates

Questions 27-30 are based on Passage 3

27.A. corporate B. interbank C. mortgage D. syndicate

28.A. pay all attentions to a specific area of lending B. consider someone more important than the other

C. handle loan applications based on hard and fast rule D. try to build up a well-balanced loan portfolio

29.A. prudence B. profitability C. liquidityD. safety

30.A. to ensure healthy growth for the bank B. to outperform the competition in financial industry

C. to make the profits D. to achieve specific business targets

Part two Reading

Section One (10%)

Directions: There are ten statements in this section. For each statement there are four choices marked A，B，C，D. You should choose the best answer.

31. If the lessor makes an equity investment equal to 20% of the equipment's original cost, and borrows the remaining 80% from a long-term creditor, and writes a noncancelable lease for the equipment, such lease is called a ___________.

A. operating leaseB. leveraged leaseC. direct-financing lease D. sales-type lease

32. The interest rate for borrowing funds from inter-bank market is close to, but always slightly ____________ the rate that is available from the central bank.

A. lower than B. higher than C. as high asD. not as high as

33. ___________ is a financial market in which securities that have been previously issued can be resold.

A. A primary market B. A secondary market C. A issuing market D. The capital market

34. Of the challenging issues in Internet banking, which people care most,

is _________.

A. the provision of a secure platform for banking transactions

B. whether management has the creativity and vision to harness the technology

C. how to deliver high-quality products for the customers' convenience

D. whether management has the ability to satisfy customers' continually changing financial needs

35. From a Chinese Bank's point of view, the currency account which it maintains abroad is known as _______, while a RMB account operated in China for a foreign bank is termed ________.

A. a vostro account; a nostro account B. a mirror account; a nostro account

C. a nostro account; a vostro account D. a vostro account; a mirror account

36. If __________, such a situation is called break-even.

A. contribution margin= fixed costs B. contribution margin=total costs C. profit=expense D. sales revenue=variable cost

37. Foreign-funded enterprises may retain their export earnings if those earnings _______.

A. get after SAFE approves B. will be remitted abroad C. will be invested in local area

D. do not exceed the limit set by the SAFE

38. BOT is an abbreviated form of _________.

A. build-or-technology B. build-operate-transfer C. build-operate-technology D. benefit-operate-transfer

39. _________ is the foundation of private accounting, which analyzes a business's costs to help managers control expenses.

A. Budgeting B. Management information system C. Internet auditing D. Cost accounting

40. Underwriting simply means that the investment banker promises to ________ the securities.

A. buyB. sellC. design D. issue

Section Two (10%)

Directions: There are 10 blanks in the following passages. For each blanks there are four choices marked A, B, C, D. You should choose the best answer.

Passage One

Another way of distinguishing markets is on the basis of the _____41_______of the securities in each market. The __42______ is a financial market in which only short-term debt instruments are traded. The ___43_____ is the market in which longer-term debt and equity instruments are traded. The securities in the former are usually more widely traded than those in the latter and so tend to be ____44______. In addition, short-term securities have _____45______fluctuations in prices than long-term securities, making them safer investments.

41. A. volume B. maturity C. issuing procedure D. kind

42. A. money market B. capital market C. primary market D. secondary market

43.A. money market B. capital market C. primary market D. secondary market

44.A. more solvent B. more risk C. more liquid D. safer

45. A. volatile B. violent C. wider D. smaller

Passage Two

In documentary credit operations, all parties concerned deal in ___46____ and not in ____47____. The banks check exclusively on the basis of documents ___48____to them to see whether the terms of the credit have been fulfilled. They are ____49_____to verify whether the goods supplied actually agree with those specified in the credit, ____50____differences, say, between the goods invoiced and those actually delivered, nor answerable to the buyers' complaints about these differences. It is up to the buyers and sellers to settle questionables of this nature between themselves.

46. A. goodsB. creditsC. documentsD. contracts

47.A. goodsB. creditsC. documentsD. contracts

48. A. delivered B. presentedC. deliverD. release

49.A. responsibleB. not responsibleC. boundD. willing

50.A. nor liable forB. or liable for C. nor liable toD. or liable to

Section Three (10%)

Directions: Read the following passages, and determine whether the sentences are "Right" or "wrong". If there is not enough information to answer " right" or "wrong''. choose "Doesn't say".

Passage One

New issues of common stock come into two varieties, primary distributions and secondary distributions. Primaries are sales of stock that have never been issued before. There are two types of primary distributions--initial public offering (IPOs) and additional floats of companies' stock that will dilute each shareholder's existing holding. Of the two, the latter are more common in the new issues market for equities since they involve offerings of shares of larger, more mature companies seeking additional equity capital. Secondary distributions are sales of stock that previously existed in some form or other but are too large to be accommodated on the stock exchanges. Procedures for secondaries often follow those for primaries although the offering period is much shorter and may involve a matter of hours rather than days.

The actual marketing for these issues is done by investment bankers directly to the public. On rare occasions, companies have attempted to sell their shares or bonds directly to the public, avoiding investment banking fees. Unless the company is very well known, such attempts are less than successful. The behavior of investment bankers is key to the reception of new issues and directly affects the cost of capital for a company. As a result, the choice of an investment banker is crucial for a company, and the wrong choice could affect its costs over the near term.

51. Initial public offerings (IPOs) are one of the type of primary distributions,while additional floats of companies' stock belong to secondary distributions. A.Right B.Wrong C.Doesn't say

52. Compared with additional floats of companies' stock, initial public offering

(IPOs) are more common because they involve offerings of shares larger, more mature companies seeking additional equity capital.A.RightB.WrongC.Doesn't say

53.Both primary distributions and secondary distributions are issued in primary markets.

A.RightB.WrongC.Doesn't say

54. Few companies have attempted to see their shares or bonds directly to the public.

A.RightB.WrongC.Doesn't say

Passage Two

The simplest means of transferring funds abroad is by means of the airmail remittance order. For example, a local customer of the bank wishes to send money to a relative in Japan. The local customer goes to the United States bank and specifies where and to whom the money is to be delivered. He also indicates the amount he wishes to send, for example, USD$100. The bank prepares a letter to its correspondent bank in the town nearest to where the relative lives. In this letter, the United States bank says, "Advise and pay US dollars 100 to ( name and address ) of recipient." The letter says that this is by order of its local customer, giving his name. Then it adds, " In reimbursement, we credit your account with us." This informs the Japanese bank that its account in the United States bank has been credited USD100 (The United states bank credits the Japanese banks due to account).

55. MT is the simplest means of transferring funds abroad. A.RightB.WrongC.Doesn't say

56. According to the passage, the local customer of U.S. is a remitter.A.RightB.Wrong C.Doesn't say

57.The Japanese bank debits the U.S. bank's due from account.A.Right B.Wrong C.Doesn't say

Passage Three

To finance the national debt, the government issues a variety of debt securities. The most widely held liquid security is the

Treasury bill, which is commonly issued by the ministry of finance. However. some Treasury bills, like the Treasury bill of the U. S. government, do not actually pay interest. Instead they are issued at a discount from par (their value at maturity). The investor’s yield comes from the increase in the value of the security between the time it was purchased and the time it matures.

Treasury bills are attractive to investors because they are backed by the government and therefore are virtually free of default risk. Because even if the government ran out of money it could simply print more to pay them off when they mature. The risk of unexpected changes in inflation is also low because of the short term to maturity. The markets for Treasury bills in most developed countries are deep and liquid, A deep market is one with many different buyers and sellers. A liquid market is one in which securities can be bought and sold quickly and with low transaction costs. Investors in markets that are deep and liquid have little risk that they will not be able to sell their securities when they want to.

58. Treasury bills are short-term and virtually free of default risk. A.Right B.WrongC.Doesn't say

59. As some treasury bills do not actually pay interest, they are not attractive to investors A.Right B.WrongC.Doesn't say

60.Investors in deep and liquid markets face immense risk that they will not be able to selltheir securities when they want to.

A.RightB.Wrong C.Doesn't say

Section Four (20%)

Directions: There are 4 passages in this sections. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A, B, C, D. You should choose the best answer.

Passage One

Since equal dollar amounts of debits and credits are entered in the accounts for every transaction recorded, the sum of the debits in the ledger must be equal to the sum of all the credits. If the computation of account balances has been accurate, it follows that the total of the accounts with debit balances must be equal to the total of the accounts with credit balances.

Before using the account balances to prepare financial statements, it is desirable to prove that the total of accounts with debit balances is in fact equal to the total of accounts with credit balances. This proof of the equality of debit and credit balances is called a trial balances. A trial balance is a two-column schedule listing the names and balances of all the accounts in the order in which they appear in the ledger. The debit balances are listed in the left-hand column and the credit balances in the right-column. The totals of the two columns should agree.

The trial balance provides proof that the ledger is in balance. The agreement of the debit and credit totals of the trial balance gives assurance that:

1. Equal debits and credits have been recorded for all transactions.

2. The debit or credit balance of each account has been correctly computed.

3. The addition of the account balances in the trial balance has been correctly performed.

Suppose that the debit and credit totals of the trial balance do not agree. This situation indicates that one or more errors have been made. Typical of such errors are (1) the entering of a debit as a credit or vice verse; (2) arithmetical mistakes in balancing accounts; (3) clerical errors in copying account balances into the trial balance; (4) listing a debit balance in the credit column of the trial balance, or vice verse; and (5) errors in addition of the trial balance.

The preparation of a trial balance does not prove that transactions have been correctly analyzed and recorded in the proper accounts. If, for example, a receipt of cash were not be disclosed by the trial balance. In brief, the trial balance proves only one respect of the ledger, and that is the equality of debit and credits.

61. A trial balance is a two-column schedule listing the names and balances of all the accounts to prove _______________.

A. the agreement of the debit and credit totals B. the order in which they appear in the ledger

C. the equality of account balances of financial statements D. the order in which they appear in the recording

62. Unless __________, the totals of the debit and credit of trial balance should agree.

A. the debit or credit balance of each amount has been correctly computed

B. debits and credits have been recorded correctly for all transactions

C. unequal debits and credits have been recorded for all transactions

D. the addition of the account balance in the trial balances has been correctly performed

63.If ____________, the debit and credit totals of the trial balance do not agree.

A. mistakes appear in computing balancing accounts B. a credit is entered as a debit

C. a credit balance is listed in the debit column D. All of the above

64. If a payment of cash is recorded by ________, the trial balance would still balance.

A. crediting the Account Payable account B. debiting the cash account

C. debiting the Account Receivable accountD. debiting the land account

65. A trial balance is a working paper which is intended ___________.

A. for distribution to various outsiders B. to prepare financial statements

C. for distribution to various accountants D. to prepare ledger accounts

Passage Two

Insurance is almost as important to business as banking. It works quite simply by spreading over a large number of people, the costs or the losses which otherwise would fall on the few who actually suffer them.

Fire, for instance, normally damages only a few businesses each year but almost all companies buy insurance to protect themselves against it. What happens is that most companies pay regular small amounts of money, called the premium to insurance groups and so a large fund of money builds up. Then the few who have suffered fires claim the cost of the damages. After investigation, the claims are paid out by the insurance companies.

For the operation to work, insurance companies have to calculate what is the chance or probability of certain events happening, and what the cost of making accidents good will be, and how many people will pay, what rates, to have protection. Premiums are fixed in proportion to the risk involved.

There are four principles backing up every insurance contract. The first, known as indemnity, is that the insured should get back the same value as was lost. If you insure your watch against the risk of its being stolen, then the insurance company will only pay out the cost of a similar, second. hired watch unless you make a special agreement with them.

The second principle is that of agreeing that the insurer has to own, or have the insurable interest in, the property covered, both at the time of affecting the insurance and at the time of loss. This is usual for policies covering fire；but the insurance on ships and their cargoes can be transferred to new owners if required.

Thirdly it is necessary for the agreement to be concluded in good faith. Generally the company providing insurance cover charges a premium based on what it is told. If a company fails to mention that a warehouse sometimes contains explosives the underwriter may declare the contract not valid and refuse to pay a claim if the warehouse blows up.

Finally, insurers distinguish between remote and immediate causes of an event. If there is an earthquake and a house is damaged, catches fire and is flooded by firemen when putting out the flames, the compensation due will depend on the exact words used in the detailed insurance contract. Usually companies do not provide cover against earthquake damage, so the house owner may not get any compensation for the effects of the fire or water, as these were a direct result ofthe earthquake.

66. What are the four principles backing up every insurance contract?

A. Indenmity, the insurable interest, premium and good faith.

B. Indemnity, the cost of the damage, the exact words in the contract and the insurableinterest.

C.Indemnity, the insurable interest, good faith and remote and immediate causes of anevent.

D. Indemnity, the insurable interest, the cost of the damages and good faith.

67. I n Para. 2, the term "premium" means ___________

A. the cost of the damage B. a sum of money paid regularly to an insurance company

C. proportion of the risk involved D. a large fund of money

68. Which of the following is NOT true according to the passage?

A. Premiums are usually decided in proportion to the risk involved.

B. Insurance companies often do not provide cover against earthquake damages.

C. Insurance on ships and their cargoes can be transferred to new owners if required.

D. Those who buy insurance can claim the cost of damages if they suffer from firescaused by an earthquake.

69. Which of the following is implied, but not directly stated in the passage?

A. A regular small sum of money will cover your losses.

B. Insurance companies usually do not provide cover against earthquake losses.

C. An insurance company can build up a large sum of money from those who pay insurance charge.

D. You cannot cover the losses you suffer if the results of the investigation by insurance company turn out not to be in your favor.

70. The purpose of this passage is ___________ .

A. to get you familiar with insurance business B. to advise you to insure your properties

C. to tell you how to get compensation from an insurance company D. to teach you how to sign an insurance contract Passage Three

Once the exporter has been advised that a letter of credit has been issued in its favor, many exporters make the mistake of starting to prepare or fulfill the requirements of the foreign customer's purchase order before actually receiving the actual letter of credit from the opening or issuing bank. Unless the exporter has had good or excellent prior experience with the foreign customer and its issuing bank, the exporter runs the risk of having the goods ready for shipment, without receiving the original letter of credit. The exporter runs a risk because it may or may not be able to comply with certain terms and conditions contained in the actual original letter of credit. It is always conceivable new conditions might be added to the credit instrument. Or the goods might be shipped and arrived at the overseas port of destination without any original documents because the original L/C arrives late. Thus, the foreign customer will be unable to clear goods through customs, and the goods will be stored in a customs warehouse to accrue expensive demurrage charges.

The answer to the above mentioned problem is to have the opening bank issue the letter of credit via tested telex or SWIFT to the advising or negotiating ban(來自:www.newchangjing.com 蒲公 英文 摘:金融英語短文)k as the "original operative instrument" which can be presented for payment by the beneficiary. The exporter must make sure the negotiating or confirming bank, usually the advising bank, is willing to accept the aforementioned as the original operative instrument. Sometimes advising, negotiating, and even confirming banks who pay on behalf of issuing banks still want to wait for the original written letter of credit to be received by them via mail. This might indicate a financial problem with the issuing bank or some sort of technical problems between the banks which the exporter should investigate immediately. The solution helps reduce or eliminate any delays in credit timely for payment after shipment of the goods. Remember in many cases banks want the original on-board ocean bill of lading presented to them with the original letter of credit.

71. The exporter should start to prepare or fulfill the requirements of the foreign customer's purchase order _______________.

A. before the exporter has been advised that a letter of credit has been issued in its favor

B. after the exporter has been advised that a letter of credit has been issued in its favor

C. before the exporter actually receives the letter of credit from the opening or issuing bank

D. after the exporter actually receives the letter of credit from the opening or issuing bank

72. If the exporter starts to prepare or fulfill the requirements of the foreign customer's purchase order when he has been advised that a letter of credit has been issued, he may run the risk of ________.

A. having the goods ready to board a steamship which may not comply with certain terms and conditions stipulated in the letter of credit B. having the goods shipped to the destination and cleared through customs

C. having the goods stored in the custom's warehouse without any charges D. None of the above

73. According to the passage, the importer can clear goods through customs on presentation of ____________.

A. the original letter of creditB. the original documentsC. the credit instrumentD. expensive demurrage charges

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