填空题{{B}}PART ONE{{/B}} ·You will hear an introduction of insurance. ·As you listen, for questions 1--12, complete the notes, using up to three words or a number. ·You will hear the recording twice. INSURANCE NOTES {{B}} Automobile Insurance:{{/B}} 1. Drivers must be financially responsible for any damage done by their ______ 2. Because this can be very costly, drivers______ 3. You can buy different types of automobile insurance including liability insurance and______ {{B}} Homeowner's Insurance:{{/B}} 4. They carry insurance to cover the value of the home______ 5. A homeowner's policy may include protection against any or all of the following: fire, lighting, windstorms, explosions______ {{B}} Health Insurance:{{/B}} 6. Health insurance will pay for medical bills in the event of an______ 7. There are three basic categories of______ 8. Major medical-expense coverage is designed to protect against large ______ {{B}} Life Insurance:{{/B}} 9. Term insurance insures the life of the policyholder for a specific ______ 10. It provides both______ 11. With most of the______ 12. The primary purpose of this type is to build up savings for some future purpose such as supplementary______

填空题analysed later. The system offers supermarkets an efficient way of handling with a

填空题 ·Read the text below about the US Banking System. ·For each question (31-40), write one word in CAPITAL LETTERS on your Answer Sheet. {{B}}The US Banking System{{/B}} The US banking system is not as tightly centralized As European systems. At its head we find the Federal Reserve Board (the "FED"), which works through twelve regional Federal Reserve banks. The Board,{{U}} (31) {{/U}}responsibility is directly to the Congress, is an independent agency, not subject to the orders of the President. But of course, a large amount of cooperation does exist{{U}} (32) {{/U}}the White House and the Treasury on the one hand, and the Board on the{{U}} (33) {{/U}}. Credit cards are issued by banks or certain organizations and may be used by the{{U}} (34) {{/U}}to have purchases (goods or services such as meals, accommodation and travel) charged to a bank account. The account is{{U}} (35) {{/U}}for the corresponding amount and the card holder is sent monthly statements of account. Some credit cards are{{U}} (36) {{/U}} internationally by many stores, hotels and restaurants. Cards holders may also obtain cash{{U}} (37) {{/U}}presenting their card in a local bank, or by using automatic cash machine. Credit cards are issued by banks to their clients and guarantee the solvency of the holders{{U}} (38) {{/U}}they pay by checks. In the USA. it is frequent for stores to{{U}} (39) {{/U}}charge accounts for their customers. Instead of paying in cash the buyer only has to{{U}} (40) {{/U}}a numbered card for the purchase to be charged to his account.

填空题You will receive ______ of the agreement from our bank. (confirm)

填空题Complete this memo from a branch manager of a bank to her marketing director by putting each verb in brackets into the correct tense. INTERNAL MEMO TO: David Cooper FROM: Maria Nieto SUBJECT: Home insurance offer Hi David You asked (ask) me for an update on the home insurance offer that the bank {{U}} {{U}} 1 {{/U}} {{/U}}(launch) last month. This is what I can tell you based on the data that I {{U}} {{U}} 2 {{/U}} {{/U}}(collect) so far. Since the launch, we {{U}} {{U}} 3 {{/U}} {{/U}}(circulate) about 8000 leaflets to our customers with their monthly statements. Up to now, the response {{U}} {{U}} 4 {{/U}} {{/U}}(be) quite low—about two percent. By response, I mean people who have requested more information. I expect that by the end of the month most of these people {{U}} {{U}} 5 {{/U}} {{/U}}(decide) whether to take up the offer or not. I will of course send you these figures. I have to say, I am not so surprised at the low response. These days, private customers {{U}} {{U}} 6 {{/U}} {{/U}}(tend) to go to one provider for all their insurance—car, house, travel, etc—and that means an insurance company. As you know, currently the bank {{U}} {{U}} 7 {{/U}} {{/U}}(look) into the possibility of offering these other types of insurance and I think that when we do, the response will be much better. I {{U}} {{U}} 8 {{/U}} {{/U}}(write) to you again in a couple of weeks to give you a further update. In the meantime, please contact me if you would like to discuss any of the above. Best wishes Maria

填空题Complete this email by writing each verb in brackets in the correct tense. Dear Ms Spackman I am writing (write) to you ask a couple of questions about your recently launched call for tender. Actually, this is the second time that we {{U}} {{U}} 1 {{/U}} {{/U}}(submit) a bid to your company and I hope that this time we {{U}} {{U}} 2 {{/U}} {{/U}}(be) successful. My questions are as follows: 1) The technical specifications are exactly the same as the last time we {{U}} {{U}} 3 {{/U}} {{/U}}(tender) for this contract two years ago. Is this intentional? 2) You ask for three references. How recent must these be? We {{U}} {{U}} 4 {{/U}} {{/U}}(do) a job of comparable size six years ago but since then, we {{U}} {{U}} 5 {{/U}} {{/U}}(not/do) anything on the same scale. For the time being we {{U}} {{U}} 6 {{/U}} {{/U}}(continue) to work on our offer, but I hope to receive your answers before long. Yours sincerely Danny Robinson

填空题Bookkeeping and Accounting The underlying purpose of accounting is to provide financial information (31) ... an economic entity. The financial information provided by an accounting system is needed by managerial decision makers to help them plan and control the activities of the economic entity. (32) ... information is also needed by outsiders—owners, creditors, potential investors, the government, and the public— (33) ... have supplied money to the business or who have some other interest in the business that will be served by information about its financial position and operating results. There is some confusion over the (34) ... between "bookkeeping" and "accounting. " This is partly due to the fact that the two are related. Bookkeeping is the recording of business data (35) ... a prescribed manner. A bookkeeper may be responsible (36) ... keeping all of the records of a business of only a small segment, such as a portion of the customer accounts in a department store. Much of the work of the book keeper is clerical in nature and is increasingly (37) ... handled by mechanical and electronic equipment. Accounting is primarily (38) ... with the design of the system of records, the preparation of reports based on the recorded data, and the interpretation of the reports. Accountants often direct and review the work of bookkeepers. The larger the firm, the greater is the number of levels of responsibility and authority. The work of accountants at the beginning levels may possibly include some bookkeeping. In any event, the accountant must have a (39) ... higher level of knowledge, conceptual, and analytical skill (40) ... is required of the bookkeeper.

填空题BPART ONE/B· Look at the statements below and at the five extracts on the opposite page from an article giving advice to people setting up a business.· Which extract (A, B, C, D or E) does each statement (1-8) refer to?· For each statement (1-8), mark one letter (A, B, C, D or E) on your Answer Sheet.· You will need to use some of these letters more than once. BA/BSo you think you're an entrepreneur, and you want to start up a company. First, be sure you're really an entrepreneur, and not an inventor. Inventors come up with ideas, entrepreneurs make a business out of them: it's important to know where your abilities lie, as inventors can fail miserably at running a business. Also, you need to be confident that you can adapt your management style to meet new demands if your company is a success. Leading the management team of a growing business is very different from leading a newly founded company.BB/BIf your company proves successful, it will probably change out of all recognition, and may seem to possess a life of its own, with institutional shareholders, regulators and employees to consider as well as customers and bank managers. That is the time to consider how far the aspirations of the business you founded still mirror your own. If they have diverged widely, and you feel you have built just the sort of business that you perhaps tried to escape from in the first place, it may be time to leave.BC/BBringing an idea to life requires an organisation. If you are going into business with your friends, make sure you treat them as professionally as you would your arms-length business partners, because the odds are that you'll fall out with them. It may not seem important at the start, but it will strengthen the company if you ensure that its constitution documents are designed with your specific business and circumstances in mind, and that they clearly establish what will happen in the event of a withdrawal from the business by one of the founding shareholders.BD/BThink carefully about the capital structure of the business. You could be storing up a problem for the company in the future - for example, by allocating shares to founders in a way that could lead to a stand-off if they refuse to see eye to eye on key issues. Similarly, when you eventually recruit new senior team members, think carefully about what to offer them. Don't give away share options too early. As a rule of thumb, cash is sufficient reward for knowledge and skill. Keep equity up your sleeve for rewarding commitment.BE/BAs your business grows, you need to keep the right balance between management control and entrepreneurial spirit. Too much control, and the business will ultimately cease to grow. Too little, and growth could be unsustalnable. You'll need to employ managers, but remember that their job is to build the infrastructure to underpin a business that until now may have run on the basis of your salesmanship and excitement. The risk is to bring in managers who are too much like you, without the necessary experience of nursing a newly founded business through its evolution.

填空题{{B}}TASK TWO - MISTAKE{{/B}}· For questions 18 - 22, match the extracts with the mistakes, listed A - H.· For each extract, choose the mistake the speaker describes making.· Write one letter (A - H) next to the number of the extract.A I didn't get details of the deal in writing at the time.B My nervousness damaged the client's trust in my company.C I missed an opportunity to close a deal at a certain stage,D My eagerness to close a deal meant that I forgot important information.E I failed to make the client feel important enough.F My approach didn't emphasize the special features I had to offer.G I ignored a suggestion concerning entertainment.H My way of asking for comments was wrong.

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填空题{{B}}PART TWO{{/B}}{{B}} · Read the following text. · Choose the best sentence from A—H to fill in each of the gaps. · For each gap 9—14, mark one letter A—H. · Do not use any letter more than once.{{/B}} Chile has become one of Europe's favorite sourcing countries for fruit and vegetables. In fact it has taken less than ten years for Chile to establish itself as Latin America's largest exporter of fruit and vegetables, with Europe the largest consumer. Fresh produce exports are one of the country's main growth sectors, {{U}}(9) {{/U}}.Much of the country's agriculture is carried out in the fertile Maipo Valley, {{U}}(10) {{/U}}. The Mediterranean climate and fertile soil provide ideal growing conditions, helped by a comparative absence of insects and disease. Being located in the southern hemisphere is another advantage and, at certain times of the year, {{U}}(11) {{/U}}.The Chileans recognize that investment is the key to continued success, and have invested heavily in food-processing and packaging technology in order to build up sales of value-added foods, {{U}}(12) {{/U}}, in addition to the original juices and jams. Raspberries are their largest frozen fruit export. There has been a dramatic rise in the export sales of frozen fruit and vegetables, {{U}}(13) {{/U}}.A very important player in this success story has been the Frutos del Maipo Corporation. Frutos del Maipo was formed in 1978, originally to provide fruit for jam producers in Chile. Using both fresh and frozen fruit, it now supplies the national industry all year round, as well as the principal markets of Europe, the USA and Japan. Its sales last year reached 8,000 tons and were valued at US $12m, representing 30% of the Chilean market.The UK is Chile's fourth largest European importer of frozen produce, {{U}}(14) {{/U}}. The distance between Santiago and the UK means that most of this fruit and vegetable cargo is transported by air. British airways has benefited from the dramatic increase in exports to the UK, adding a third direct weekly flight to Santiago. BA's World Cargo Division has seen a 45% growth in the movement of fresh goods from Chile to the UK in the last year. According to Rodrigo Casal of British Airways World Cargo, this trade between Chile and the UK will continue to grow at a rapid rate.A. which have increased by as much as 4000% in some casesB. importing over three million tons, valued at US $ 6mC. which is the largest importer in AsiaD. which is also famous as a wine-growing areaE. but Chile doesn't export bananas, apples and orangesF. such as frozen and tinned fruit and vegetablesG. with over 36 million tons of fruit and seven million tons of vegetables exported world-wide each yearH. fruit such as grapes and certain vegetables can be obtained only from Chile

填空题Rearrange the words to make sentences. I / tomorrow / can / give / certainly / you / an answer I can certainly give you an answer tomorrow.

填空题{{B}}TASK TWO—SUGGESTIONS {{/B}} · For questions 18-22，match the extracts with the suggestions，listed A-H． · For each extract，choose the suggestion stated． · Write one letter(A-H)next to the number of the extract． · Do not use any letter more than once．There are some extra letters which you do not need to use． A．You should stay focused on your tasks． B．You should prioritize the tasks and involve your staff． C．You should make sure you have a clear job description． D．You should introduce more ways to cut the cost of the products． E．You should form a partnership with the foreign supplier． F．You should make changes gradually within a reasonable timeframe． G．You should decide what and when to pass on important company information to staff． H．You should admit that you don't have all the answers．

填空题{{B}}PART ONE{{/B}} ·Look at the statements below and at the summaries of five business books on the opposite page about recruitment． ·Which book summary(A，B，C，D or E)does each statement 1-8 refer to? ·For each statement 1-8，mark one letter(A，B，C，D or E)on your Answer Sheet． ·You wilI need to use some 0f these letters more than once． A． Hire With Your Head Lou Adler，president of the Power Hiring consulting and training company，provides a systematic approach for finding，interviewing and hiring the best candidate for a job．He emphasizes making an objective assessment and，to this end，he provides techniques for overcoming first impressions．The book includes charts and checklists that highlight important points．This well-organ-lzed guide to effective hiring is hig hly recommended to company owners，human resource per-sonnel and managers involved in the hiring process．Alert job seekers may also find it useful to learn what a good interview will demand． B． Hiring the Best Any manager with hiring authority knows that selecting the‘right’candidate for any position is a nervewracking task．Author Martin Yate'S basic book can help inexperienced managers hire effectively，although this useful primer on interviewing and hiring is a little wordy．Yates provides great detail about key steps，such as when to schedule a phone interview，what to ask and how to conduct an interview．He even provides numerous sample questions for each major job category，from entry level to management． C． Ask the Right Questions，Hire the Best People This book boasts of a list of questions designed to make your interviews effective in weeding out the pretenders and uncovering that dream hire．The book's real value is in its list of interview questions，with accompanying comments on what answers you should be looking for．It seems impossible that you could read this book and not stumble over one question that makes you smile and tuck it away to spring later on some unsuspecting interviewee．This book will prove useful for human resource professionals or any manager charged with hiring． D． Hiring and Keeping the Best People This book covers a huge amount of valuable information about hiring and retaining a great workforce．If more companies followed its fivestep hiring process，not only would talented employees face greater competition for their services，companies would get better staffers and the fit of workers to their jobs would improve．The book demonstrates an awareness of the realities of diversity in the modern workplace and the expectations employees have about worklife balance. This handy guide is clear and concise，and is highly recommended to anyone involved in the hiring and retention process． E． How to Hire a Champion David Snyder，a business consultant with a psychology graduate degree from Harvard，believes that managers must be able to evaluate applicants'personality traits to hire the right people．His assertions are hard to dispute．His book is Ioaded with good advice，although the writing can get choppy and repetitive．Still，it is strongly believed Snyder provides solid，practical and useful information．When you think how hard it is to live withor discard-an incorrect hire，you'll want to be sure you take on the right people．