谪仙什么意思-鸣怎么读
1. Banks serves as ( principle depository)
of liquid funds for the public.
2. (The
banking sector) provides the indispensible
national payriient mechanism for the
development of modem financial and business
system.
3. Which of the following is not a
policy banks (The Industrial and Commercial Bank
of China)
4. The central banking system began
taking shape in (1984)
5. What is amount of
the total assets of the banking sector at the end
of 2005(RMB37. 47 billion)
Basel Accord sets
minimum capital ratio requirements for
internationally active banks(of 4%
tier one
capital and 8 to total capital)in relation to
risk-weighted assets.
objective of banking
supervision is to protect depositors’ funds and(if
a bank should fail) to
minimize the losses to
be absorbed by the deposit insurance fund.
ratio of liquid assets to liquid liabilities of a
commercial bank shall not fall short of (25)
percent.
9..Market risk refers to the risk
of (financial prices fluctuation)
a major
borrower gets in trouble because of inability to
(return) a loan the bank may find
itself in
serious trouble as well.
11.(Indirect) tell us
how many units of the foreign currency required to
buy one unit of the
domestic turrency.
an
importer who buys goods today has to pay for the
goods in a foreign currency one month
from
today , it may be convenient to buy the currency
now for delivery in a month. The
transaction
is called (a forward)
e we make a week-end
swap on January 10,2005 (Monday) , then the spot
value date
is set on (January 12 , 2005) ,
the forward value date is set on (January 19 ,
2005)
14.(The value date)is the date on which
the money must be paid to the parties involved in
spot
transactio
we have a quote of 737.
62Z740. 58 for $$ZT ,(the first rate is the buying
rate for the dollar)
16.(An audit) is the
independent examination that ensures the
reliability of the accounting
reports
submitted by management to investor , creditor
,and other outside the business.
stands for
(General Accept Accounting Principles)
of the
following is not included in the accounting
concepts and principles ? (General
Accepted
Accounting Principles).
of financial
statements are interested in liquidity because
(businesses may be difficult to
have enough
working capital)
bility section , together
with (owner's equity) , indicates how an entity
financed.
ment banks’ role in the financial
markets involves (telling and distributing new
stocks
and bonds).
does IPO stand for ?
(Initial Public Offering)
23.A key difference
between bonds and stocks is that stocks (represent
ownemhip)
card customer (are given a credit
limit on the credit card account and can buy goods
and services up to this amount)
a bank
holds valuables and documents for its customer in
safe custody ,it has to take are
of the
property ,and has a (bailor—bailee) relationship
with that customer.
26. In a syndicated loan ,
(the lead bank) handles the negotiations with the
borrower, prepares
the relevant documentation
and disbumes the full amount of the loan to the
borrower.
27. A (bridging) loan is a loan
agreement under which finance is required in
connection with the
sale of one asset
and the pumliase of another.
28. A pledge
provides a bank with (possession of the goods)
29. Which of the following is true of a
mortgage ? (The mortgagor retains possession of
the
mortgaged property)
30. A lien is best
defined as (a deposit of goods , or documents of
title to them , with a lender as
security for
a debt)
skills and institutions for risk
management In an open market economy are different
from
those in a relatively closed centrally
planned economy(T)
comprehensive risk
monitoring and warning system focuses on the
safety , liquidity and
profitability of
financial institutions(T)
we study securities
, we should know something about financial markets
, such as stock
market , bond market , which
are classified as money markets(F)
ble bonds
are known as T-bonds , which carry a rate of
interest and give the owner the
right to
exchange the bonds at some stage in the future
into ordinary shares(F)
stands for Listed
Open-ended Fund which can be redeemed or
subscribed at both stock
exchange and fund
sales outlets. (T)
risk-based loan
classification system divides the loans into pass
, special mention ,
substandard , doubtful and
loss five categories(T)
of the inherent risks
in banking is the market risk , which can be
further divided into
exchange rate risk and
interest rate risk. (T)
limit on the deposit
insurance coverage also serves to maximize moral
hazard on the part of
the depositors(F)
most important types of operational risk involve
breakdowns in extemal controls or
corporate
governance(F)
tion risk is particularly
damaging for banks since the nature of their
business requires
maintaining the confidence
of depositors , creditors , and the general
marketplace. (T)
July 21 , 2005 , RMB
exchange rate regime changed to a managed floating
system with a
reference to a basket of
currencies.(T)
order to eliminate the risk of
a significant rise of one currency’s exchangerate
, we sell the
currency forward.(F)
s are
standard forward contracts traded on exchanges.(T)
People’s Bank of China is the agency
responsible foreign exchange administration.(F)
forward price is higher than the spot price ,
we call it discount.(F)
and expense accounts
represent changes in assets(F)
accounts
include cash, furniture and fixtures ,accounts
payable, claims against
customers that owe
money, stock or inventory, office supplies, etc.
(F)
the debit and credit entries are posted
to a ledger, the aggregate of the debits in all
the
ledger accounts must be equal to the
aggregate of the credits in these accounts. (T)
payable which are paid in installments are
classified as long-term liabilities. (F)
20.A
cash flow statement covers a period of time and
accounts for increase or decrease in a
company's cash during the period. (T)
commercial papers are considered as capital market
instruments. (F)
ing is short-term financing
with recourse. (F)
trustor who is also
known as the grantor creates the trust. (T)
ing lease can not be cancelable at any time.
(F)
money market, the government is unique,
because it is supplier and demander of money
market funds. (T)
with maturity of one
year or less are called medium-term loans. (F)
risk-based capital guidelines require a
minimum ratio of Tier-1 capital to adjusted assets
of 4% , and a minimum ratio of combined
Tier-1 and Tier-2 capital to risk-adjusted assets
of 8%
(T)
y defined , consumer credit
includes loans secured by real estate
( home
mortgages , for instance) plus open-end credit
such as credit cards. (F)
29.Since the
operating target of commercial banks is profit ,
they should make their own
decisions on
whether to increase , maintain , decrease withdraw
the loan disbursement in
some industry so long
as it’s profitable regardless of the country’s
macroeconomic policy. (F)
t ratio is more
conservative and accurate than quick ratio in
measuring liquidity. (F)
1. Although
banks share many common features with other
profit-seeking businesses , they play
a
unique role in the economy through mobilizing
savings allocating capital funds to finance
productive investment transmitting monetary
policy providing a payment system and
transforming risks.
尽管银行与其他以盈利为目的的企业具有许多共同
的特征,但它在国民经济中还发挥着特殊
的作用。银行可以动员储蓄,为生产性企业投资调配资金,传到
货币政策,提供支付体系,
转化风险.
2. The implementation of
the stabilization and structural measures has been
a major factor
underlying the resilience of
the Chinese economy in the context of the crisis
in Asian financial
markets and the recent
weakening of global economic activity.
宏观经济稳定政
策和结构调整措施,是我国经济在亚洲金融危机阴影笼罩和近年来全球经济
疲弱的环境下,已然保持较快
发展的一个重要因素。
3. The reform of the financial
system and particularly the diversification of
banking institutions
have increased
competition in the banking sector and improved
financial services in China.
金融体系的改革,特别是银行结构的多
元化,加强了我国银行间的竞争,从而改善了中国金
融业的服务质量。
4. Before
extending a loan , a commercial bank shall conduct
strict examination of its purpose the
capability of the borrower and form of
repayment as well as other relevant matters.
在
发放贷款前,商业银行要对借贷的目的、借款人的偿付能力、偿债方式以及其他相关问题
进行严格的审查
。
5. Sound and effective regulation and in
return the confidence it brings is important for
the
integrity and the development of the
markets.
健全有效的制度以及制度所带来的信心对于市场的诚信和发展也很重要。
6. The securities and futures markets are
vital to the growth and strength of market
economies
as they support corporate
initiatives, finance the exploitation of new ideas
and facilitate the
management of financial
risk.
证券和期货市场和对市场经济的发展和壮大意义重大,因为他们支持企业目标的实现,为开
发提供资金,促进金融风险的管理。
7. A cash flow statement
covers a period of time and accounts for the
increase or decrease in a
company’s
cash by showing where the company got cash and the
uses it made of cash during the
period.
现金
流量表包括一段时期内所有涉及公司现金增减的项目,反映出公司在一段时间内得到现
金和支付现金的业
务.
8. Present value is the value today of an
amount to be received or paid in the future;the
future
amount must be discounted at a
specified rate of interest.
现值是指在未来一定时间能够得到或需要
支付的资金的现在价值,即按一定贴现率将终值折
算为它们的现值.
9. The
primary concerns of accounting controls lie with
systems authorization and approval over
assets, internal auditing procedures and other
financial matters. It is the management's
responsibility to establish and maintain an
appropriate system of internal accounting control.
会计控制主要涉及对资产的授权和审批系统、内部审计程序和其他财务事项。建立并保持一
套合
理的内部审计系统是管理当局的责任.
10. Globalization of the
world economy can be expected to lead to a rise in
the relative
importance of investment banking
.in the financial system.
经济全球化将会提升投资银行业务在金融系统中的重要性.
11. In money
market, the government is unique because it is
always a supplier and demander of
money market
funds.
政府在货币市场上扮演着独一无二的角色,因为它总是同时作为货币市场资金的供应者和
需
求者而存在.
1 .The objectivity principle
requires that entries in the accounting records be
based on (objective
evidence) as far as
possible, such as statements issued by (external)
organizations. If this principle
is ignored,
the (confidence) of users of the financial
statements could not be maintained. For
example, evidence such as (invoice), bank
statements, and other objective evidence supports
the
accounting (entries) and records. In some
cases, judgments, estimates andother (factom) must
be
used in preparing financial statements. In
these circumstances, the most objective evidence
(available) should be used. For example, the
provision for (bad debts) is an estimate of losses
expected from credit sales collection. These
estimations should be based on objective factors
as
(much) as possible, such as the company's
past experience with bad debts and economic
(forecasts
external).
, generally
speaking , are made not from the bank’s own
resources but from the funds
deposited to it
by its customers , hence commercial banks must
always (maintain) a delicate
balance among
the three objectives of liquidity , safety and
profitability in the dally
management of
funds . Each of them can never be considered
(alone) though the paramount
importance of
liquidity must be recognized.
For a bank, the
term “liquidity” is chiefly concerned (with) the
ability to meet demands for
payments of
deposits at any time. However, the need for
(liquidity) is not based entirely on the
deposit function, it is also closely tied to
the credit (function), that is, the obligation of
every bank
to serve the credit (requirement)
of its customers and the community. Liquidity also
enables a
bank to provide for the (loan)
requirements of its long-established customers who
enjoy good
credit standing. In addition , it
is equally essential that the banks take every
possible measure to
protect the funds
(deposited) by depositors who must be made to feel
that funds left with the bank
are (safe) at
all time. Lastly, a bank should always try its
best to improve its annual net income
which
will increase the (confidence) of its depositors
and the public.
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