1、1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
2、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 definitio
3、ns. （每小题 1 分，共 10 分）VTranslation. （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
4、. ATM 4. Bank Cards 5. Branch Banking6. collateral 7. Commercial Banks8. Corporate banking 9. cover (v.)10. Credit Cards 11. Currency exchange 12. current accounts13. current deposit 14. Debit Cards 15. deflation 16. deposit17. depreciate (v.) 18. down payment 19. fixed accounts 20. foreclosure 21.
5、foreign exchange 22. inflation 23. Installment 24. Insurance policy25. Insurer26. interest rate 27. Internet Banking 28. investment 29. Joint-equity commercial banks30. loans 31. mature (v.)32. Mobile Banking 33. Mortgage loan 34. Opening an account 35. Overdraft 36. Personal banking 37. Personal Ba
6、nking 38. PIN(personal identification number ) 39. Policy Banks40. Portfolio41. principal42. repayment43. real estate 44. savings account 45. secured loans 46. Stock Market 47. Telephone Banking 48. The Central Bank49. unsecured loans 50. withdraw (v.) 1. money or property which is used as a guarant
7、ee 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
8、 and the insured, known as 2the 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
9、 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
10、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
11、with interest11. a general increase in the prices of goods and services in a country.12. to take out money from a bank13. (of a loan, security, etc)to reach the end of its term and be due for payment14. to lose in value15. to protect by insurancePassage 1 There are two main kinds of loans - secured
12、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 rep
13、ayment 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 s
14、eeks 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 aga
15、inst. 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
16、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3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。无担保贷款不需要提供任何形式的抵押品，因
17、此如果你无法偿还贷款，你也不会失去房子或车辆。贷款人根据你的收入和你的信用历史记录来决定是否给你贷款。常见的无担保贷款包括个人贷款，学生贷款和发薪日贷款。无担保贷款的利息一般比担保贷款高。Passage 2A debit card is a plastic card issued by banks to customers. The card allows instant purchase, removing the correct balance from the users attached bank account. Debit cards are distinct from credi
18、t cards in that they allow purchase based on available funds in the account to be deducted immediately, instead of by using a line of credit that can be repaid at a later time.Most debit cards have two features: the ability to purchase items at stores that have automated debit or credit card machine
19、s, and the ability to withdraw cash from your bank account at an automatic transaction machine (ATM). They are available in most countries of the world, and have nearly supplanted the use of checks in the United States. However, the cards possess many dangers to the user, both in terms of possible i
20、dentity theft and unexpected bank fees. Most forms of debit card require a personal identification number (PIN) as a security feature. When removing money from an ATM or using an automatic purchasing machine at a store, the user will have to enter their PIN for verification. In online purchases, the
21、 PIN is usually not required, but users will often need to enter the three or four digit security code listed on the back of the card. Additional safety measures common for debit cards include a photograph of the cards owner on the front, or an electronically reproduced customer signature imprinted on the card.大部分借记卡有两个特点：第一、能够在有借记卡或信用卡机的商店购买商品。第二、能够在自动柜员机上提取银行账户上的现金。世界上绝大多数国家都有借记卡。在美国，他们差不多取代了支票的地位。然而，借记卡给用户带来很多风险，可能会发生身份盗窃和意外的费用。安全起见，大部分借记卡需要个人身份识别密码。在自动柜员机上取现或在商店购物时，用户必须输入密码进行验证。在网上购物时通常不需要输入密码。用户通常需要输入卡背后的三位或四位的安全代码。借记卡的其他一些常见的安全措施包括在卡正面印上用户的相片，或者在卡上印上用户的电子签名。
