英语中级口译岗位资格证书考试
问答题Practice 4 The other kind of bank—the Bank of the United States was simultaneously a commercial bank and a quasi-public central bank. The First Bank of the United States, chartered by the Congress in 1791, owed its existence to Alexander Hamilton who,
题目
参考答案和解析
另外一种银行为美利坚银行,它既是商业银行又是准公共性质的中央银行。1791年,美利坚第一银行经国会特许成立,它的成立应归功于亚历山大·汉密尔顿。他就任财政部长后不久就对新生的美国面临的财政问题以及银行业的经济意义显示出极强的洞察力。美利坚第一银行在运作上很像是一家私人银行。与通常的商业银行不同的是,它拥有联邦政府为其合伙人和头号客户。它充当了联邦政府的财政代理:为政府保管税收收入、替政府办理账单支付以及为政府执行各种金融保管任务等。作为回报,政府将现金存入美利坚第一银行,从而使该银行有了巨大的金融基础。由于美利坚第一银行经联邦特许可在各州设立分行,而由各州特许成立的普通银行只能在其州内经营,所以相比之下,美利坚第一银行有很大的竞争优势。美利坚第一银行因而逐渐演化为某种“银行家的银行”,把握着监督较小的商业银行的权力。
相似问题和答案
第1题：
A bank's liquid assets include following items except ______.
A．notes, coins and bullion
B．current balances with central and other banks
C．money at call and short notice
D．bank's premises
解析：商业银行流动资产(1iquid asset)主要包括：现金、在中央银行和其他银行存放的活期存款、短期通知放款、货币市场存款、存款单；政府及其他可交易的有价证券；国库券、商业汇票及其他汇票；金银块。银行房地产(bank's premises)是固定资产。
第2题：
听力原文：M: We haven't set up correspondent relations with Standard Chartered Bank, London.
W: Then we shall try to find another bank to have our letter or credit advised.
Q: What do we learn from the conversation?
(18)
A．Standard Chartered Bank, London is one of our correspondent banks.
B．We can advise this L/C through Standard Chartered Bank, London.
C．We will send the advice of the L/C directly to the beneficiary.
D．Ａnother bank will be chosen as the advising bank of this L/Ｃ.
解析：男士说到他们和伦敦的渣打银行没有建立业务关系，女士则说到"we shall try to find another bank to have our letter or credit advised",故选项D正确。
第3题：
此题为判断题(对，错)。
第4题：
听力原文：If a customer informs his bank that a draft which has been issued to him has been lost, the drawee bank should be noticed immediately.
(8)
A．The customer should first notify the drawee bank of the loss of his draft.
B．The customer should first notify the drawer bank of the loss of his draft.
C．The customer should first notify the remitting bank of the loss of his draft.
D．The customer should first notify the collecting bank of the loss of his draft.
解析：单句意思为“当客户丢失了银行开给他的汇票，则应立即通知付款行。”
第5题：
American students learn business skills in school. Here is a story about some American students who learnt business skills by operating their own banks. In December 1987, the Twiglet Bank was opened at an Elementary School in Miami, Florida. It is a real bank that accepts money for savings and makes loans, and it is operated by students between 10 and 12 years old.The bank is open for one hour two days a week. Students can put their money into the bank and withdraw it as they wish. Officials from a local bank helped the students start the bank. They trained twenty-three of them to do all the different kinds of bank jobs, from counting money to guarding the bank. The students needed money to start the bank. They raised more than $ 2,000 by selling 50-dollar shares in the bank to parents, teachers, the local bank workers, and customers. Organizing and operating the bank has taught the children a lot about the banking business. They have learned about raising and investing money and how to use computers and other banking equipment. They have also learned how to ask for a job and to be responsible for their jobs.
1. Who helped these children start a bank()
A. Parents
B. Teachers
C. Bank staff
2. How did children raise money for their bank()
A. Their schools provided financial support for them.
B. They sold shares to their parents, teachers, local bank workers and customers.
C. They found an organization to donate a set of fund.
3. Who is currently operating Twiglet Bank()
A. Teenagers
B. Community
C. Government
4. Which is not TRUE for the benefits of children from operating their own banks()
A. They learned how to use computers and banking equipment.
B. They learned how to find a job and do it well.
C. They learned how to produce the money.
5. What is the best title for this passage()
A. A Bank of Miami
B. A Students’ Bank
C. The Operation of American Banks
第6题：
听力原文：The bank has special obligation to depositors, because it makes profits from their money as well as its own.
(4)
A．The bank makes profits only from its own money.
B．The bank makes profits from not only the deposits but also its own money.
C．The bank has special obligation to make profits.
D．The bank makes profits by having special obligations to depositors.
解析：单句意思为“银行对于存款人担有特殊的义务，因为它的收益部分来自存款，部分来自自身的资本金。”
第7题：
In order to (56) foreign exchange administration, maintain strong balance of payments position, China (57) the Regulations on Foreign Exchange Administration on January 29,1996. The State Administration of Foreign Exchange is the agency responsible for foreign exchange administration. The SAFE has a similar branch structure with that of the People's Bank of China, China's central bank. The Bank of China (58) the principal foreign exchange bank. Other banks and financial institutions, (59) affiliates of non-resident banks, (60) designed transactions with the approval of the SAFE.
(41)
A．develop
B．improve
C．change
D．conduct
解析：improve改善，改进。improve foreign exchange administration完善外汇管理。develop发展，发扬，进步。change改变，变革。conduct引导，管理。
第8题：
Why does the woman plan to go to town？
A To pay her bills in the bank. B To buy books in a bookstore. C To get some money from te bank.
第9题：
What will happen if there is one commercial bank and no thrifts in a small town?
A．The residents will deposit their money with the bank.
B．The local bank will provide business loans to the commercial bank.
C．Some large banks will transport money by check to the bank.
D．People in the area will not deposit money with the bank.
解析：文章第二段提到If there is one commercial bank...deposit their funds in the local bank.在一些偏远地区的小镇，如果只有一家商业银行而没有其他银行的时候，居民会把钱存入当地的银行。
第10题：
Which of the following are interest-earning securities?
A．Bank deposit certificates in Eurodollars.
B．Gilt-edged stocks.
C．United States Treasury Bonds.
D．All of the above.
解析：第二段第二句后半句1) interest rate movements—by trading interest beating securities, such as…and United States Treasury Bonds. interest—earning securities与interest bearing securities含义相同，都指生息证券。