金融英语考试题型

考试题型

I.Choose the best answer to complete the passages below.(two passages) （每小题1分，

共1分×10题＝10分）

II.Read the following passages and determine whether the sentences are "Right" or "Wrong". If there is not enough information to answer "Right" or "Wrong", choose "Not mentioned".（3 passages）（每小题1分，共1分×10题＝10分）

III.There are 3 passages in this section. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A, B, C, and D.

You should make the best choice. （每小题2分，共2分×15题＝30分）（3 passages）IV.Match the terms with their definitions. （每小题1分，共10分）V．Translation. （40分）

Section A. Put the following terms into Chinese. (每小题2分，共10分)

Section B. Put the following terms into English. (每小题2分，共10分)

Section C. Put the underlined parts into Chinese.(每小题10分，共20分)

参考术语、释义及短文

1. a rental property

2.APR (annual percentage

rate)

3.ATM

4.Bank Cards

5.Branch Banking

6.collateral

mercial Banks

8.Corporate banking

9.cover (v.)

10.Credit Cards

11.Currency exchange

12.current accounts

13.current deposit

14.Debit Cards

15.deflation

16.deposit

17.depreciate (v.) 18.down payment

19.fixed accounts

20.foreclosure

21.foreign exchange

22.inflation

23.Installment

24.Insurance policy

25.Insurer

26.interest rate

27.Internet Banking

28.investment

29.Joint-equity commercial

banks

30.loans

31.mature (v.)

32.Mobile Banking

33.Mortgage loan

34.Opening an account

35.Overdraft

36.Personal banking

37.Personal Banking

38.PIN(personal

identification number )

39.Policy Banks

40.Portfolio

41.principal

42.repayment

43.real estate

44.savings account

45.secured loans

46.Stock Market

47.Telephone Banking

48.The Central Bank

49.unsecured loans

50.withdraw (v.)

1.money or property which is used as a guarantee that someone will repay a loan.

2.foreign currency that is obtained through the foreign exchange system.

3. a bank card that you can use to pay for things. When you use it the money is taken out of

your bank account immediately.

4. a contract (generally a standard form contract) between the insurer and the insured, known as

the policyholder, which determines the claims which the insurer is legally required to pay.

5.banking that requires banking institutions to carry out business transactions and dealings

directly with their customers and the consumers of their products, rather than directly with other banks or corporations.

6. a sum of money which is in a bank account or savings account, especially a sum which will

be left there for some time.

7.the combination of investments that a particular person or company owns.

8. a specific legal process in which a lender attempts to recover the balance of a loan from a

borrower who has stopped making payments to the lender by forcing the sale of the asset used as the collateral for the loan.

9.the original amount of the loan, on which you pay interest.

10. a thing that is borrowed, especially a sum of money that is expected to be paid back with

interest

11. a general increase in the prices of goods and services in a country.

12.to take out money from a bank

13.(of a loan, security, etc)to reach the end of its term and be due for payment

14.to lose in value

15.to protect by insurance

Passage 1

There are two main kinds of loans - secured and unsecured loans. The key difference between the two types of loans is that with secured loans you are required to provide security or collateral against the amount you are borrowing whereas an unsecured loan does not. But the difference does not end there. Each type of loan entails different repayment terms and interest rates and depending on your circumstances one or the other may be a better choice for you.

Secured loans entail the borrower providing some form of security to the lender, like a home or car. If you cannot repay the loan this may mean the loss the home or car as the lender seeks to recover the amount they lent you and the interest on the loan. Secured loans usually give you the option of higher borrowing limits and lower interest rates and are generally easier to obtain. The amount you can borrow will be partly determined by the value of the asset you are borrowing against. Secured loans are sometimes called Homeowner loans.

Unsecured loans do not require any form of collateral so you will not lose your house or car if you cannot keep up with payments. The lender will make a decision to give you a loan based on your income and your credit history. Common types of unsecured loans include Personal loans, student loans and payday loans. Unsecured loans typically carry a higher interest rate than secured loans.

担保贷款要求借款人提供某种形式的抵押品给贷款人，如房子或车辆。无法偿还贷款可能意味着你将失去抵押的房子或车辆，因为贷款人会力图弥补所贷款项和利息。担保贷款通常可以给你较高的借款额度和较低的利息，而且一般比较容易获得。借款金额一定程度上由借款所购买的资产的价值所决定。