中国人民银行校园招聘英语类模拟试题Word格式文档下载.docx
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中国人民银行校园招聘英语类模拟试题Word格式文档下载.docx
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B.mayexamineeitherthedocumentsortheinstructionstocollecttheproceeds
C.willexaminedocumentsinordertoobtaininstructions
D.willnotexaminedocumentsinordertoobtaininstructions
32.Acreditmaybeadvisedtoabeneficiarythroughanotherban(theadvisingbank)withoutengagementonthepartoftheadvisingbank,butthatbank,ifitelectstoadvisethecredit.Shall
A.informtheissuingbankofthecreditwhichitadviseswithoutdelay.
B.endorsetheamountnegotiatedonthereverseofthecreditwhichitadvises.
C.addhisconfirmationtothecreditwhichitadvises.
D.takereasonablecaretochecktheapparentauthenticityofthecreditwhichitadvises.
33.Applicants,attimes,requesttheissuingbanktoissuethedocumentarycreditcontainingexcessivedetailsforthebeneficiarytocomplywithunderthedocumentarycredit.Banksshould
A.encouragethisattemptB.discouragethisattemptC.rejectthisattemptD.becompelledtodoso
34.Thepurchaserofadraftdrawn/documentspresentedunderastraightdocumentarycreditonlyhastheright
A.toprotesttheissuingbankB.topresentthedrafts/documentsonbehalfofthebeneficiary
C.topurchasethebeneficiary’sdrafts/documentsD.topresentthedraft/documentsbyhimself
35.UnderD/P.allthedocuments,andusuallytitletothegoods,arereleasedtothebuyerupon
A.hisacceptanceofthedraftforpaymentataspecifiedlaterdate
B.hispaymentoftheamountspecifiedunderreserve
C.hispartialpaymentofthebillamount
D.hispaymentoftheamountspecified
36.TheminimumregisteredcapitalfortheestablishmentofacommercialbankshallbeRMByuan.
A.10millionB.100millionC.1billionD.10billion
37.Theratioofliquidassetstoliquidliabilitiesofacommercialbankshallnotfallshortofpercent.
A.25.B.8C.75D.10
38.Ifwehaveaquoteof1.4950/1.4960for$/DM,
A.thefirstrateisthebuyingrateforthedollarB.thefirstrateisthebuyingratefortheDM
C.thesecondrateisthebuyingrateforthedollarD.thesecondrateisthesellingratefortheDM.
39.Theexportationofdomesticcurrencyislimitedtoperpersonperexit
A.RMB5,000yuanB.RMB6,000yuanC.RMB4,000yuanD.RMB10,000yuan
40.Abank’sliquidassetsincludefollowingitemsexcept
A.notes,coinsandbullionB.currentbalanceswithcentralandotherbanks
C.moneyatcallandshortnoticeD.bank’spremises
SectionTwo(10%)
Thereare10blanksinthefollowingpassages,ForeachblanktherearefourchoicesmarkedA,B,CandD.YoushouldchoosethebestanswerandmarkthecorrespondingletterontheANSWERSHEETbydrawingasinglelinethroughthecenter.
Passage1
Thebank41borrowersenoughinteresttopaytheexpenseofthebankandhavesomethingleftoverfor42.Theinterestcannotbehigherthanthelegalate,whichisestablishedbystatelawandinmoststatesis6%peryear,43bigloans,theinterestrateismuchless,evenaslowas2%,Thefatedependsonthemoneymarket,Whenthereisplentyofmoney44tobeborrowed,bankschargelowratesofinterest.Asavingsbankmaypayitsdepositors2%andlendthemoneyat3.5%or4%.Butwhenmoneyistight,interestratesgoup,andasavingsbankmaytryto45depositorsbyoffering4%or4.5%orevenmoreadlendingthemoneyat5%or6%.
41.A.receivesB.getsC.chargesD.pays
42.A.profitB.interestC.surplusD.income
43.A.IncaseofB.InthecaseofC.InconsequenceofD.Inconjunctionwith
44.A.availableB.costlyC.adaptableD.receivable
45.A.absorbB.attractC.mobilizeD.Channel
Passage2
Ifapayingbanrequestsareceivingbanktoreturnoradjustapaymentbymeansof46orbymeansofmosttypesofelectronictransmission,butdoesnotissuethe47inconnection48itsrequestortherequestsays“Noindemnity”,thepayingbankshallnotbeliabletothereceivingbankforanylossandexpense,49reasonableattorney’sfees,incurredythereceivingbankastheresultofitsreturnoradjustmentofthe50.
46.A.telexB.letterC.telephoneD.SWIFT
47.A.letterofcreditB.indemnityC.guaranteeD.billofexchange
48.A.ofB.withC.forD.to
49.A.besideB.exceptC.includingD.excluding
50.A.creditB.paymentC.proceedsD.expenses
SectionThree(10%)
Readthefollowingpassages,anddeterminewhetherthesentencesare“Right”or“Wrong”,Ifthereisnotenoughinformationtoanswer“Right”or“Wrong”,choose“Doesn’tsay”,ThenmarkthecorrespondingletterontheANSWERSHEETbydrawingasinglelinethroughthecenter.
Oneofthemostimportantfunctionsoftheaccountingprocessistoaccumulateandreportaccountinginformationthatshowsanorganization’sfinancialpositionandtheresultsofitsoperations,Manybusinessespublishsuchfinancialstatementsatleastannually,Thesubdivisionoftheaccountingprocessthatproducesthesegeneral-purposereportsisreferredtoasfinancialaccounting.Anothermajorfunctionofaccountingistoprovidemanagementwiththedataneededfordecision-makingandforefficientoperationofthefirm.
Althoughmanagementpeopleroutinelyreceivethefinancialreports,theyalsorequirevariousotherinformation,suchastheunitcostofaproduct,estimatesoftheprofitearnedfromaspecificsalesactivity,costcomparisonsofalternativecoursesofactionandlong-rangebudgets.Theprocessofgeneratingandanalyzingsuchdataisoftenreferredtoasmanagerialaccounting.
51.Thepurposeofmanagerialaccountingistopreparefinancialstatementseveryyear.
A.RightB.WrongC.Doesn’tsay
52.Financialstatementsincludebalancesheet,incomestatementandcashflowstatement.
53.Financialstatementsareusedonlybytheoutsidersofafirm.
54.Themanagementofafirmneedstousetheresultsofbothfinancialaccountingaswellasmanagerialaccounting.
Assetsaretheeconomicresourcesofthebusinessthatcanbeusefullyexpressedinmonetaryterms,Liabilities,orcreditor’sequity,aretheobligations,ordebts,thatthefirmmustpayinmoneyorservicesatsometimeinthefuture.Theythereforerepresentcreditor’sclaimsontheassetsofthefirm.Theowner’sinterestisequaltothenetassetsofthebusiness,whichisdefinedasthedifferencebetweentheassetsandliabilities.Thus,owner’sequityistheresidualclaim-aclaimtotheassetsremainingafterthedebttocreditorshasbeendischarged.
55.Assetsandliabilitiesofafirmarebothshownonthefirm’sbalancesheet.
56.Theequityamountofabalancesheetisthecreditor’s,claimsonthefirm.
57.Expensesofafirmshouldbeshownonthefirm’sincomestatement.
Passage3
Fromthebank’spointofview,leverageratiosvaryfromconservative(highestcalculatedleverage)toliberal(lowestcalculatedleverage)Themostconservativeleveragerationsshowthemostdebtandleastnetworth,Therefore,thetotalliabilities/tangiblenetworthratiowillproducethehighestleverageandthusbethemostconservativebecauseallliabilitiesareincluded.Onthenetworthside,equityhasbeenreducedbytheintangibleassetsonthebalancesheet,Intangibleassetsdonotnecessarilyyieldcash,soitismoreconservativetosubtracttheseassetsfromnetworth,Conversely,theseniorliabilities/capitalfundsratiowouldshowlessleveragebecauseonlyseniorliabilitiesareshownasdebt,andnetworthbasbeenaugmentedbytheamountsofsubordinateddebtoutstanding.
58.Financialleveragereferstohowmuchmoneyafirmusesforassets.
59.Conservativeleverageratiomeansusingthemostdebtandleastnetworthincalculatingleverage.
60.Fromthebank’spointofview,aliberalleveragecalculationisbetter.
SectionFour(20%)
Thereare4passagesinthesection,Eachpassageisfollowedbysomequestionsorunfinishedstatements,ForeachofthemtherearefourchoicesmarkedA,B,CandD,correspondingletterontheANSWERSHEETbydrawingasinglelinethroughthecenter.
Whenasavingsaccountisopenedinabank,thedepositormustsignadepositagreement,Bysigningtheagreement,thedepositoragreestoabidebytherulesandregulationsofthebank.Theserulesandregulationsvarywithdifferentbanksandmaybealteredandamendedfromtimetotime.Atthistime,apassbookmaybegiventothedepositor,Thisisasmallbookinwhichthebanktellerentersthedateandamountofeachdepositorwithdrawalandinitialstheentry,Thepassbookistobepresentedatthebankormailedtothebankalongwithadepositorwithdrawalslipeachtimemoneyisdepositedorwithdrawnfromtheaccount.Analternativepracticefordepositingorwithdrawingmoneyfromasavingsaccountistogivethedepositorasmallregisterforrecordingdepositsandwithdrawalsandapadofdeposit-withdrawalforms,Thisprocedureeliminatestheuseofthepassbook.Eachtimeadeposito
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