初級(jí)銀行綜合類模擬試卷1

一、單項(xiàng)選擇（本題共70題，每題7.0分，共10分。）

1、ThePeople'sBankofChinashallandexercisesupervisionandcontrolover

thefinancialindustryundertheleadershipoftheStateCouncil.

A、formulateandimplementmonetarypolicies

B、inventandusemonetarypolicies

C、provideandharnessmonetarypolicies

D、createandapplymonetarypolicies

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無(wú)解析

2、Owners'equityismeasuredbysubtractingliabilitiesfromassets.Thissentencecan

bedescribedasthefollowingequation.

A、ASSETS-LIABILITIES+OWNER'SEQUITY

B、ASSETS-LIABILITIES=OWNER'SEQUITY

C、OWNER'SEQUITY=ASSETS+LIABILITIES

D、OWNER'SEQUITY=LIABILITIES-ASSETS

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無(wú)解析

3、areassetsthatareexpectedtobeconvertedtocash,sold,orconsumedduring

thenext12monthsorwithinthebusiness'snormaloperatingcycleiflongerthanayear.

A、Long-termassets

B、Long-termliabilities

C、Currentliabilities

D^Currentassets

標(biāo)準(zhǔn)答案：D

知識(shí)點(diǎn)解析：暫無(wú)解析

4、TheinterdependencebetweenChina'seconomyandtheworldeconomy

significantly.

A、deeped

deepened

C、dependent

D、depends

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無(wú)解析

5、Securitiessubjecttomortgageare.

A^deeds,firepolicies,andstocksandsharesandotherchoosesinaction

B、titledeeds,firepolicies,andequitiesandotherchoosesinaction

C、tidedeeds,lifepolicies,andstocksandsharesandotherchoosesinaction

D、titledeeds,lifepolicies,andequitiesandotherchoosesinaction

標(biāo)準(zhǔn)答案：C

知識(shí)點(diǎn)解析：暫無(wú)解析

6、Financialmarketscanbeclassifiedas.

A、debtandequitymarkets

primaryandsecondarymarkets

C^moneyandcapitalmarkets

D、alloftileabove

標(biāo)準(zhǔn)答案：D

知識(shí)點(diǎn)解析：暫無(wú)解析

7、Theprimarysourceoffundsoffireandcasualtyinsurancecompaniesincludes

A、savingsdeposits

B、premiumsfrompolicies

C、commercialpaper,stocksandbonds

D、alloftheabove

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無(wú)解析

8、Anothernameforjunkbondsis.

A^high-yieldsecurities

B、non-investmentgradesecurities

C^speculativeinvestmentsecurities

D^anyoftheabove

標(biāo)準(zhǔn)答案：C

知識(shí)點(diǎn)解析：暫無(wú)解析

9^WhatdoesIPOstandfor?

A、InitialPactOrganization

InitialPublicOffering

C、Internationa]PublicOffering

D、InlclleciualPropeilyOiganizaliun

標(biāo)準(zhǔn)答案：B''

知識(shí)點(diǎn)解析：暫無(wú)解析

10、Arepurchaseagreementisatransactioninwhich.

A、alenderagreestobuybacksecuritiesataspecifiedfuturedateatapredetermined

price

aborroweragreestobuybacksecuritiesataspecifiedfuturedateatapredetermined

price

C、abonoweragreestosellbacksecuritiesataspecifiedfuturedateatapredetermined

price

D、noneoftheabove

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無(wú)解析

二、完型填空（本題共10題，每題1.0分，共10分。）

Liquidityriskarisesfromtheinabilityofabanktoaccommodateunexpecteddecreasesin

[21]ortofundincreasesin[22].Whenabankhas[23]liquidity,itcannotobtain

sufficientfunds,eitherbyincreasingliabilitiesorby[24]assetspromptly,ata

reasonablecost,therebyaffectingprofitability.Inextremecases,insufficientliquidity

camleadtothe[25]ofabank.

11、

A、liabilities

B、assets

C、sufficiency

D、supply

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無(wú)解析

12、

A、liabilities

B、assets

C、efficiency

D、profitability

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無(wú)解析

13、

A、adequate

B、inadequate

C、accurate

D、inaccurate

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無(wú)解析

14、

A、changing

B、exchanging

C、converting

D、turning

標(biāo)準(zhǔn)答案：C

知識(shí)點(diǎn)解析：哲無(wú)解析

15、

A、efficiency

B、ability

C、solvency

D、insolvency

標(biāo)準(zhǔn)答案：D

知識(shí)點(diǎn)解析：暫無(wú)解析

Chinawillcontinuetopursuea[26]monetarypolicy,andseekrefinementsinthe

conductofmonetarypolicybyrelyingon[27]policyinstruments.First,openmarket

operationwillbeexpanded,andthequalityoftherelevantdecision-makingwillbe

improvedto[2S1therimingandscaleofopenmarketrransactions.Transaction

frequencywillbe[29]andfine-tuningmeasureswillbetakenastheoccasion

warrants.Flexibilitywillbeexercisedinselectingmodesoftransactionsogivefurther

playtotheopenmarketinguiding[30]interestrates.

16、

A、open

B、sound

C、safe

D、overall

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無(wú)解析

17、

A、indirect

prudential

C>direct

D、complicated

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無(wú)解析

18、

A^enlarge

B、optimize

C、widen

D、re4tuce

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無(wú)解析

19、

A、increase

B、created

C、decreased

D、cutdown

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無(wú)解析

20、

A、long-term

B、lending

C、short-term

D、borrowing

標(biāo)準(zhǔn)答案：C

知識(shí)點(diǎn)解析：暫無(wú)解析

三、閱讀理解(本題共8題，每題1.0分，共8分。)

Whocanspottherisks?Thegrandcirclethatregulatorshavetosquareisthis:howto

establishaframeworkofregulationthataccommodatesthecharacteristicsofthe

traditionalspecialisedbankingsystemandmarkitofffromotherbusinesses.Withthe

sortofdiversifiedfinancialservicesthatareactuallyevolving,theeraofstrictly

compartmentalisedfinancialinstitutionsispassing,leavingtheregulatorysystem

designedtomatchitlookingincreasinglyoutofdate.Asingleomnipotent,omniscient

regulatorforallfinancialservicesremainsdream.Manysayitwillstaythatway,

pointingouthowlongittooktogetagreementjustonrudimentaryinternationalrulesfor

thecapitaladequacyofbanks.Yetregulatorseverywhereacknowledgetheneedto

cooperatemorecloselywiththeiroppositenumbersacrossindustrialandgeographical

boundaries.Theyalsoagreethatgreaterharmonisationofregulatorystandardson

everythingfromreportingrequirementstoriskassessmentwillcomesurely,ifslowly.

Muchofthatislikelytobemeretidyingup.AgoodplacetostartinAmericawouldbe

scrappingtheseparateregulationofthrifts,Iftheyhavebeenthereislittlereasonnotto

regulatethemasbanks(andespeciallygiventhemessthriftregulatorshavemadeofthe

job).ItiswhatJapanhassensiblydonebymakingitsequivalentofthrifts,sogobanks,

choosetobeeithercreditunionsortobecomecommercialbanks.Britain,too,haslet

thoseofitsbuildingsocietieswithambitionstobebanks,andtoberegulatedassuch.

Thesearemovesinanotherrightdirectiontoswitchawayfromregulationbyinstitution,

asmostlyhappensnow,toregulationbyfunction.Thismeansthatregulationbecomesa

matterofsupervisingwhatisdoneratherthanwhodoesit.Unsystematicderegulationhas

broughtthesystemtoitspresentuglypass.Thishasleftanincreasingnumberof

competitiveanomalies.Muchofthepressurefor,andresistanceto,furtherchangecomes

fromthoseinstitutionsthatwishtoalleviateorentrenchtheirmarketdisadvantage.In

bothAmericaandJapan,thedebatesaboutreformingthedomesticfinancialsystems,and

inparticularaboutupdatingGlass-SteagallandArticle65respectively,havebeen

slowedbypoliticalhorse-trading.Thisismakingworseasituationinwhichcompetition

iskeepingthepricesofmanyfinancialservicesartificiallylowandcapacityartificially

greatinawaythatcannotbesustainedforlong.Systemicriskgetsgreater,notless,the

longerthesystemisskewed.Thepointislongpastatwhichregulatorsmighthavebeen

abletoforcemarketpracticesbackintotheoldregulatoryframework.Theglobal

competitiveandtechnologicalforcesagainstthemarctoopowerful.Neitheristheoption

ofturningbacktheclockthroughre-regulationfeasible,andfewregulatorsshowsigns

eitherofwantingtoundertakesuchacourse,orofhavingthestomachforthepolitical

fightitwouldentail.EveninJapan,whereregulatorsholdaswayovertheirindustries

thattheircounterpartsinEuropeandAmericacanonlyenvy,andwherethefinancial

systemisbeingemergingneweconomy.Thisisbeingdonewiththegrainofmarket

forces,notagainstit.

21、Which"circle"do"theregulatorshavetosquare"accordingtoparagraph1?

A^Tocreatearegulatorysystemthatcontrolsbankstightlyenough.

B、Tocreatearegulatorysystemthattreatsbanksexactlylikeotherfinancial

institutions.

C、Tocreatearegulatorysystemwhichlimitsfinancialinnovations.

D、Tocreatearegulatorysystemwhichprovidesaspecialpositionfbrbanks.

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無(wú)解析

22NWhichofthefollowingsentencesdoyouthinkisthefirstsentenceofParagraph3?

A、Thehistoryofattemptedbankregulationextendsfarbacktotheearlydaysofthe

foundationoftheBankofEngland.

B、BankersinAmericaarecomplainingthatproposedderegulationoffinancial

institutionstherewillopenthewaytoincreaseforeigncompetition.

C、Nonetheless,fewforeseeanythingbutthemostlimitedmergingofexisting

regulatoryagencies,evenwithinsinglecountries.

D、Japan'scentralbankhasjustannouncedliberalisedarrangementsforbankswishing

toraisemorecapital.

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無(wú)解析

23、Thefirstsentenceofthenextparagraphis"Unsysrematicderegulationhasbrought

thesys-temtoitspresentuglypass."Youthinkthemaintopicofthisparagraphwillbe:

A、adescripiionofthefauksofthepresentsystem.

adescriptionofthepositivepointsofthepresentsystem.

C、adescriptionofthefuturechangesinthesystem.

D、adescriptionoftheregulationscontrollinginsurancecompanies.

標(biāo)準(zhǔn)答案：B」「

知識(shí)點(diǎn)解析：暫無(wú)解析

24、WhichofthefollowingarementionedinParagraph5asbeingproblemsinthe

presentsys-tem?

A^Pricesarctoohighandcapacitytoolow.

B、Changeisbeingstoppedbyvestedinterests.

C>Politicsarepreventingreforminsomecountries.

D、Riskisdecreasingbykeepingthepresentsystem.

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無(wú)解析

TypesofrisksSofarwehaveusedtheterm"risk*'ratherloosely.Onetypeofriskis

defaultrisk,thatis,theriskthattheborrowerwillsimplynotrepaytheloan,duetoeither

dishonestyorplaininabilitytodoso.Anothertypeofrisk,calledpurchasing-power

risk,istheriskthat,duetoanunexpectedlyhighinflationrate,thefutureinterest

payments,andtheprincipaloftheloanwhenfinallyrepaid,willhavelesspurchasing

powerthanthelenderanticipatedatthetimetheloanwasmade.Asimilarriskisfaced

byborrowers.Aborrowermaycheerfullyagreetopay,say,15percentinterest,expecting

thata12percentinflationratewillreducetherealvalueoftheloan.Butinflationmaybe

only4percent.Athirdtypeofriskiscalled"interest-raterisk"or"marketrisk'1,thatis,

theriskthatthemarketvalueofasecuritywillfallbecauseinterestrateswillrise.We

willdiscussthisfurtherlater;herewcjustpresenttheintuitiveidea.Supposethatfive

yearsagoyouboughtaten-year1000bondcarryinga6percentinterestrate,andtile

interestratenowobtainableonsimilarbondsalsohavefiveyearstogountiltheymature

is8percent.Wouldanyonepay1000foryourbond?Surelynot,becausetheycouldearn

80peryearbybuyinganewbond,andonly60peryearbybuyingyourbond.Hence,to

sellyourbondyouwouldhavetoreduceitsprice.Butsupposethebond,insteadof

havingfiveyearstomaturity,wouldmaturein,say,ninetydays,whatwoulditspricebe

then?ItwouldstillbelessthanI000sincethebuyerwouldget6percentinsteadof8

percentinterestforninetydays;butsincegettingalowerinterestsellforonlyninetydays

doesnotinvolvemuchofaloss,thebondwouldsellforsomethingcloseto1000.Hence,

whileholdinganysecuritywithafixedinterestraleinvolvessomeinterest-raterisk,the

closertomaturityasecurityis,theloweristhisrisk.Ontheotherhand,ifinterestrates

fallyougainbecauseyourbondisworthmore;andthelongerthetimeuntilthebond

matures,thegreaterisyourgain.Butthefactthatyoumaygainaswellaslosedoesnot

meanthatyouarctakingnorisk.DiversificationAllthreetypesofrisksarcrelevantfor

decidingwhatassetstoincludeinaportfolio,andwhatdebtstohaveoutstanding.(The

termportfoliomeansthecollectionofassetsoneowns.)Anyoneholdingmorethanone

typeofassethastoconsidernottheriskofeachassettakenbyitself,butthetotalityof

theriskonvariousassetsanddebtsjointly.Supposesomeoneholdsstockinacompany

thatislikelytogainfrominflation.Theriskinessofaportfoliothatcombinesbothof

thesestocksmaybelessthantheriskinessofeachstocktakenseparately.Aport-folio

consistingofassetsthatarcaffectedinoppositedirectionsbygivenfutureeventsisless

riskythanaretheassetsthatcomposeitwhentakenindividually.Hencealow-risk

portfolioneednotcontainonlyassetsthatindividuallyhavelittlerisk;sometimesone

reducestheriskinessofaportfoliobyaddingsomehigh-riskassetsthatoffsettherisks

ofotherassetsinit.

25、ForParagraph1choosethesummarywhichyouthinkbestexpressesthemainidea.

A、Theexistenceofinflationproducespurchasing-powerrisk.

B、Purchasing-powerriskinvolvesalossinthevalueofmoneyloanedorborrowedbe-

causeofhigherorlowerinflationthanexpected.

C^Purchasing-powerriskproducedbyaninflationhigherthanexpectedaffectslenders

only.

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無(wú)解析

26、ChoosethesummarythatbestexpressesthemainideaofParagraph2.

A、Ifyouhavepurchasedafixedinterest-ratesecurity,thenboththecash-invalueand

theinterestyoureceiveremainconstantthroughoutthelifeofthatsecurity.

Buyingafixedinterest-ratesecurityofalimitedtermisveryriskybecauseany

interestratechangeswillproducealossofcash-invalue.

C、Buyingafixedlengthsecuritywithafixedinterestratemeansthatthecash-invalue

ofthatsecuritywillchangeasinterestratesingeneralchange.

標(biāo)準(zhǔn)答案：C

知識(shí)點(diǎn)解析：智尢解析

27、ChoosethesummarythatbestexpressesthemainideaofParagraph3.

A、Theriskfactorinaportfoliocanbereducedbyincludingassetswhoserisksare

complementary,i.e.,ifonelosesvaluebecauseofpanicularcircumstancestheother

gainsbecauseofthosecircumstances.

B、Oneshouldtrytoeliminateallrisksfromone'sportfoliobyonlybuyingverysafe

shares.

C^Undernocircumstancesshouldacarefulinvestoraddhighriskassetstohis/her

portfolioeventhoughtheincomeorcapitalgainthatmaybereceivedfromthathighrisk

assetcouldbeverylarge.

標(biāo)準(zhǔn)答案：A、

知識(shí)點(diǎn)解析：暫無(wú)解析

28、Findwordsinthetextthathavethemeaningoffailuretokeepanagreement:

A、default

B、lose

CNgain

D、anticipate

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無(wú)解析

四、英釋漢（本題共2題，每題分，共2分。）

29、Securitiesregulators,atboththedomesticandinternationallevels,shallbeguided

byaconstantconcernforinvestorprotection.

標(biāo)準(zhǔn)答案：無(wú)論國(guó)內(nèi)或國(guó)際的證券監(jiān)管者都必須以時(shí)刻關(guān)注保護(hù)投資者為指導(dǎo)原

則。

知識(shí)點(diǎn)解析：暫無(wú)解析

30、TheNewBasicCapitalAccordismoreextensiveandcomplexthanthe1988Basle

Accord,whichisanaturalreflectionoftheadvancementandinnovationsinthefinancial

marketplaceandtheneedforamorerisk-sensitiveframework.

標(biāo)準(zhǔn)答案：《巴塞爾新資本協(xié)議》(NewBasleCapitalAccord)比1988年《巴塞爾

協(xié)議》(1988BasleAccord)更復(fù)雜，覆蓋面更廣，自然反映了金融市場(chǎng)的發(fā)展卻創(chuàng)

新以及對(duì)風(fēng)險(xiǎn)更敏感的金融體系的需要。

知識(shí)點(diǎn)解析：暫無(wú)解析

五、判斷正誤(本題共7題，每題1.0分，共7分。)

Themostbasictooloftheaccountistheaccountingequation.Thisequationpresentsthe

assetsofthebusinessandtheclaimstothoseassets.Assetsareeconomicresourcesofa

businessthatareexpectedtobeofbenefitinthefuture.Cash,officesupplies

merchandise,furniture,landandbuildingsareexamples;Claimstothoseassetscome

fromtwosources.Liabilitiesare"outsideclaims",whichareeconomicobligations,debts

payabletooutsiders.Theseoutsidepartiesarecalledcreditors.Forexampleacreditor

whohasloanedmoneytoabusinesshasaclaim-alegalright-toapartoftheassets

untilthebusinesspaysthedebt,"insiderclaims"arccalledowners'equityorcapital.

Thesearetheclaimsheldbytheownersofthebusiness.Owners'equityismeasuresby

subtractingliabilitiesfromassets.

31、Theownersofabusinessarethosewhohaveinvestedtheirmoneyinthebusiness.

There-fore,theyaretheonlypersonswhohavetherightofclaimstotheassetsofthe

business.

A、Right

Wrong

C、Doesn'tsay

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無(wú)解析

32、Theamountofliabilitiesofbusinesstellsushowmuchthebusinessowesto

outsiders.

A、Right

B>Wrong

C、Doesn'tsay

標(biāo)準(zhǔn)答案：A

知識(shí)點(diǎn)解析：暫無(wú)解析

33、Assetsismeasuresbysubtractingowners'equityfromliabilities.

A^Right

B、Wrong

C、Doesn'tsay

標(biāo)準(zhǔn)答案：B

知識(shí)點(diǎn)解析：暫無(wú)解析

Thereareusuallytwokindsofledgers:1.Generalledger:Itcontainsthecontrolling

accountsforeachofthesubsidiaryledgers.Acontrollingaccountinthegeneralledger

showsinsummaryformwhatappearsindetailinthecorrespondingsubsidiaryledger.

Thereisoftenaseparatecontrollingaccountforeachsubsidiaryledger.ThusDuefrom

Bankscontrollingaccountshowsinsummaryformthetotalsofallthedebitsandcredits

appearinginthecorrespondentbanks*accountsintheDuefromBankssubsidiaryledgers.

Thebalancesinthegeneralledgerforasset,liabilityandcapitalaccountsbecomethe

basisfordatasetforthinthebalancesheet.Thebalancesintheincomeandexpense

accountsbecomethebasisfbrdatasetforthintheProfitandLossStatements.2.

Subsidiaryledger:Itisaledgermaintainedforsubsidiaryaccountsofahomogeneous

nature.Thebalancesoftheaccountinthesubsidiaryledgerequalthetotalofthebalance

showninthecontrollingaccount