单选题The ______ will distribute the property of the deceased according to his last will and testament. A. heir B. executor C. returns

单选题In order to calculate the monthly payments on your loan, the bank adds the interest to the ______ and divides the total by the number of months. A. tenure B. principal C. charge account

单选题During tile Great Depression, the four years from 1929 to 1933, unemployment ______ almost one fifth of the labor force in the industrial world.

单选题In a syndicated loan, ______ handles the negotiations with the borrower, prepares the relevant documentation and disburses the full amount of the loan to the borrower. A. the lead bank B. the accounting bank C. the participating bank D. the agent bank

单选题{{B}}Passage Three{{/B}}

单选题Which of the following is not correct?

单选题Customers trading abroad in foreign currencies may protect against the exchange risk by arranging ______. A. a contract of international sale of goods B. a contract of marine insurance C. a forward contract to fix the exchange rate in advance D. contract for the delivery of goods by installments

单选题Economists define money (or, equivalently, the money supply) as anything that is generally accepted iu payment for goods or services or in the ______ of debts.

单选题 Passage 2 Capital is at the top of any bank supervisor's list. The most basic form of capital is equity capital, which is the shareholder's financial interest or net worth. Equity capital serves several purposes: it provides a permanent source of revenue for the shareholders and funding for the bank; it is available to bear risk and absorb losses; it provides a base for further growth; and it gives the share-holders reason to ensure that the bank is managed in a safe and sound manner. Minimum capital adequacy ratios are necessary to reduce the risk of loss to depositors, creditors and other stakeholders of the bank and to help supervisors pursue the overall stability of the banking industry. Basle Committee's "core principles for effective banking supervision" require that supervisions set prudent and appropriate minimum capital adequacy requirements and encourage banks to operate with capital in excess of the minimum. When it appears appropriate due to the particular risk profile, uncertainties regarding the asset quality, risk concentrations or other adverse characteristics of a bank's financial condition, considerations of requiring higher than minimum capital ratios are encouraged. If a bank's ratio falls below the minimum, banking supervisions will act to ensure that it has realistic plans to restore the minimum in a timely fashion, or may consider putting additional restrictions on the bank's operations.

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单选题Market risk refers to the risk of ______.

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单选题______ is a term generally used to denote the purchase of obligation falling due at some future date.

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单选题The beneficiary will have to comply with excessive details requested by the bank.

单选题 Open account is an arrangement between the seller whereby the goods are manufactured and delivered before payment is required. Open account provides for payment at some stated specific future date and without the buyer issuing any negotiable instrument evidencing his legal commitment. The seller must have absolute trust that he will be paid at the agreed date. The seller should recognize that in certain instances it is possible to discount open accounts receivable with a financial institution.

单选题The money market is a dealer market where, over the telephone or through electronic systems, ______. A. a broker receives commission to act as an agent B. the investors are trading on a central trading floor C. firms buy and sell securities in their own accounts, at their own risk D. individual investors can trade on the exchange

单选题 Directions: In this section, you will hear three short passages. At the end of each passage, you will hear some questions. The passages and the questions will be spoken only once. After you hear a question, you must choose the best answer from the four choices marked A, B, C and D. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center.{{B}}Passage One{{/B}}