听力原文：Commercial banks are mainly to provide short-term loans for the capital market with the acquired deposits and the funds from other channels.(2)A．Commercial banks mainly provide short-term loans for the capital market.B．The capital market mainly depen
题目
听力原文：Commercial banks are mainly to provide short-term loans for the capital market with the acquired deposits and the funds from other channels.
(2)
A．Commercial banks mainly provide short-term loans for the capital market.
B．The capital market mainly depends on the acquired deposits and the funds from other channels.
C．Short-term loans are mainly from the acquired deposits and the funds from other channels.
D．Commercial banks mainly depend on the capital market for deposits and the funds.
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第1题：
An industrial corporate can meet its financial needs by seeking funds from the capital market.
A．Right
B．Wrong
C．Doesn't say
正确答案：A
解析：结合第一、二句可知资本市场为工商企业、政府、地方政府提供中长期融资，进一步推导得出工商业企业的融资需求可以通过资本市场满足。 -
第2题：
What can we infer from the passage?
A．The Basle Committee's core principles require the minimum capital adequacy requirements.
B．The Basle Committee encourages banks to operate with capital of the minimum.
C．The Basle Committee helps bank supervisors to reduce the risk of loss.
D．The Basle Committee ensures banks to pursue the stability of the banking industry.
正确答案：D
解析：通读第二段，可知道巴塞尔委员会的《有效银行监管的核心原则》要求建立审慎和适当的最低资本充足要求，并且鼓励银行在最低资本金范围之上从事经营活动。所以D选项最接近该段的中心意思。 -
第3题：
听力原文：Banks make money in the foreign exchange dealings not on profit margin but on volume.
(8)
A．Banks make money in foreign exchange business because of profit margin.
B．Banks make money from the price spread in the foreign exchange market.
C．Banks make money in foreign exchange business on profit as well as on volume.
D．Banks make money in foreign exchange business because of the great volume.
正确答案：D
解析：单句意思为“银行在外汇交易中挣钱不是来自于边际利润而是来自于交易量。” -
第4题：
听力原文：M: It is reported that in some countries banks are not allowed to make investments in equity securities.
W: Generally commercial banks may invest only in those securities that are rated as "investment grade", or have bond ratings in the top four categories.
Q: Where are banks only allowed to make investments?
(15)
A．In equity securities.
B．In personal funds.
C．In securities rated as investment grade.
D．In property markets.
正确答案：C
解析：根据女士的回答商业银行只能投资"securities that are rated as 'investment grade'"。 -
第5题：
What do large banks allow individual banks to do?
A．To sell credit cards to consumers.
B．To join their credit card network.
C．To provide other banking services.
D．To specialize in federal funds.
正确答案：B
解析：文章第一段提到Large banks may sell...join their credit card network. 大银行向消费者提供消费信用卡服务，并要求单个银行加入到信用卡网络中来。 -
第6题：
听力原文：Banks are crucial to a country's economy, they serve as the center point of the exchange of money throughout the economy.
(10)
A．Cash is crucial to a country's economy.
B．Money is crucial to a country's economy.
C．Capital is crucial to a country's economy.
D．Banks are crucial to a country's economy.
正确答案：D
解析：录音说的是银行对一国的经济很重要。 -
第7题：
听力原文：M: What is a cheque card?
W: It was originally issued in UK. British banks started to issue cheque cards in 1965, and as from 1969 all the main commercial banks in Britain agreed to issue a standardized form. of cheque card.
Q: What happened to British banks in 1969?
(17)
A．All the main commercial banks in Britain agreed to issue a standardized form. of cheque card.
B．British banks started to issue credit cards.
C．Customers of British banks may cash their cheques in European countries.
D．Commercial banks in the United States began to issue cheque card.
正确答案：A
解析：根据女士回答：支票卡最先在1965年由英国银行发行，从1969年开始，英国各大商业银行协定发行标准化的支票卡。 -
第8题：
According to the passage, companies can have different classes of stock mainly because the company wants ______.
A．to keep the financial costs at a certain level
B．to still have the control over the company
C．to keep the stock price from dropping
D．to attract more capital from the public
正确答案：B
解析：文章倒数第二段提到common and preferred…in any way they want．除了普通股和优先股之外，公司可以另外设计新的类别，主要目的是为了保证通过股票对公司加以控制。 -
第9题：
A correspondent bank may supply the following services to other commercial banks:A.keeping accounts,B.assisting in the sale or purchase of assets,C.providing information about capital markets
A．Right
B．Wrong
C．Doesn't say
正确答案：A
解析：从文中第三句话Small banks may have 5 or 6 correspondent banks, which provide many services...可以看出。 -
第10题：
There's been a steady drumbeat of warmings about a surge in risky corporate borrowing-but not much clarity serious the threat is. At issue is the more than S1 million market in leveraged loans. That's Wall Street jargon for loans to business with less than rook-solid finances, Federal Reserve and European Central Hank officials have drawn to the rise in corporate debt and the deterioration or lending standards. The loans are often bundled into securities ollateralized loan obligations (CLOs).
Most of the watchdogs are carceful to say a repeat of the 2007-2008 crisis is unlikely because most of the debt banks. But that creates another problem Regulators focused on banks are largely in the dark when it comes to where the risks he and how they might ripple through the financial system when the economy turns down. A big over-indebted businesses could face severe stress and, in some cases, insolvency, threatening jobs and deepen downturn.
The mechanics of the leveraged loan market will be familiar to students of the housing crisis.
With interesting investors are willing to take greater risks to get higher yields. That makes lots of money available for lending. we makes it easier for less creditworthy companies to borrow .Rather than keep the risky loans on their books, lender them to asset managers that package them into securities -C1Ds-that are sold to investors such as insurers and hedge funds.
Yields on the riskicst portions of CLOs can approach 9% a year. And the growth of leveraged lending has been post crisis bank regulations that helped the rise or shadow lenders financial companics that aren't regulated like market for levcraged loans has more than doubled since 2012.
The risk taking could get worse: With demand by borrowers for levcraged loans declining this year, those still financing have been able to extract looser learns.
About 85% of leveraged loans are held by nonbanks, according to Wells Fargo rescarch.
But banks may play a larger robe than may assumc, according to Gaurav V asisht, drector for financial regulation at the Volcker Alliance, a good-governance group, Banks are involved in all stages of the process. They underwrite loans, sell them to the CLOs, invest in those securities, and then hedge those risks in the market.“One common narrative is that banks don't have much risk or aren't exposed 1o it. Vasisht said at the hearing, "Banks are exposed to it."
Just beeause banks are safer doesn't necessarily mean the financial system is, says Karen Petron, managing partner at Federal Financial Analytics, a regulatory- analysis firm. Debt investors might not be as resilient in a crisis, and their problems could create shock waves. "Banking regulators are being a htte myopic when they 're looking only at the banking system for systemic risk," she says.- Sally Bakewell and Thomas Beardsworth.
12. Which one is false about the leveraged loans?(。)
A. they are loans provided to companies already holding a considenble amount of debt.
B. It is easier for companies to get leveraged loans.
C. most of the leveraged loans are held by nonbanks.
D. the Federal Reserve is quite sure about the risks of leveraged loans.答案：D解析：文章中明确提到杠杆贷款由85%的非银行机构持有，这种借款通常提供给信誉欠佳的公司，并且变得越来越容易获得，ABC三项在文章均有体现，然而D并未有提到。所以答案选D。 -
第11题：
资料：Italy's next government, a coalition between the populistFive Star Movement and the far-right Northern League, is giving investors plenty to worry about. Leaked plans, hastily abandoned, suggested it might want to leave the euro or ask the European Central Bank to forgive €250bn（$292bn） of Italian debt. But less attention has been paid to what it might mean for Italian banks, and in particular for their biggest burden: non-performing loans（NPLs）. Over €185bn of NPLs were outstanding at the end of 2017, the most for any country in the European Union. （1）
By comparison with Greece where NPLs are 45% of loans, Italy looks manageable with just 11.1%. And it has made progress: in late 2015 NPLs were 16.8% of loans. But any wild policy lurches would put that progress in question. The clean-up of banks’ books has relied on openness to foreign investors. Huge volumes of NPLs（€37bn in 2016 and over €47bn in 2017, according to Deloitte, a consultancy） have been sold by banks, often to specialist American hedge funds like Cerberus Capital Management or Fortress. （2）
These so-called vulture funds may find life harder under the new government. Given the importance of being able to repossess the collateral for secured loans, NPL investors have been taken aback by a proposal to prevent any action against a debtor without the involvement of a court. This would run counter to efforts to increase the use of out-of-court settlement for collateral across the EU. （3）
The future of GACS, a scheme for providing an Italian government guarantee to the senior tranches of NPL securitisations （with the EU's blessing）, is also in question. Despite a slow start in 2016, it has come to play a large role. An NPL sale last year by UniCredit, a large bank, worth€l7.7bn, was subject to the scheme. Another €38bn-worh of Italian NPL deals in progress will be too, according to Debtwire, a news service. But investors now worry that GACS will not be renewed once it expires失效 in September, contrary to previous plans. （4）
European regulators have made a concerted effort to deal with NPLs. In March the European Commission proposed laws to make cross-border operations easier for debt （5）
Markets have deepened in tandem. As well as the specialist funds doing large deals,more options for trading NPLs have emerged. One example is Debitos, a trading platform that started in Germany and that allows investors to trade in NPLs from 11 European countries, including Italy and Greece. Most of its sales are between €50m and €200m and interest often comes from local investors, says Timur Peters, its founder—for example, from individuals who buy property—backed NPLs as a way to acquire those properties. （6）
A liquid pan-European market in NPLs ought to prevent banks’ bad loans from accumulating and threatening their stability, as during the most recent crisis. But Italy would, because of its sheer size, be the largest source of such loans for the foreseeable future. And any market with real doubts about the largest supplier is almost certain to be a stunted one. （7）
Which is incorrect about the chart?A.The total loans of Italy were about €1667bn in the year of 2017.
B.The proportion of the NPLs in total loans of Greece is the highest among all.
C.Greece had much more total loans than that of Spain in spite of lower NPLs.
D.France had most total loans in the list of about €4350bn in 2017.答案：C解析：本题考查的是细节判断。
【关键词】incorrect，chart
【主题句】见表格
【解析】题目意为“根据表格，以下哪项是错误的？”选项A意为“2017年意大利总贷款约为16670亿欧元”，由表格可知，意大利2017年4月贷款约为18850亿欧元，占整年总贷款的，因此意大利整年总贷款为亿欧元，故选项A正确。选项B意为“希腊NPL总贷款占比是最高的”，根据表格可以看到，希腊总贷款占比为，为所有表格中国家最高，故选项B正确。选项C意为“尽管不良贷款率较低，但希腊的贷款总额远远高于西班牙”，根据表格可以看出，希腊的总贷款亿欧元，西班牙总贷款亿欧元，故选项C错误。选项D意为“2017年法国总贷款是表格中最高的，约为43500亿欧元”，根据表格，运算可知，选项D正确。题目要求选择错误的一项。 -
第12题：
单选题The busy market sells mainly meat，vegetables and dairy______.Aoutputs
Bmanufactures
Cproduction
Dproduce
正确答案： B解析： -
第13题：
What's the subject of the passage?
A．Capital
B．Restrictions on banks' operations
C．Supervision
D．Capital adequacy
正确答案：D
解析：文章主要在讲资本充足率。 -
第14题：
Which of the following is implied in the passage?
A．A very important purpose of bank-supervision is to provide adequate capital for their operation.
B．A very important purpose of bank-supervision is to ensure banks to operate with adequate capital.
C．A very important purpose of bank-supervision is to put additional restrictions on the banks' operations.
D．A very important purpose of bank-supervision is to concentrate on risks.
正确答案：B
解析：通读全文，可推知这段文章所隐含的意思是银行监管的目的在于保证资本的充足率。 -
第15题：
听力原文：M: CDs can be traded in the money market at any time. They are more flexible than fixed-term deposits.
W: That's right. So banks usually offer slightly lower interest rates on them.
Q: Which of the following has a higher rate?
(13)
A．CDs.
B．Demand deposits.
C．Fixed-term deposits.
D．Building societies deposits.
正确答案：C
解析：根据对话可知，CDs比定期存款(fixed-term deposit)更加灵活，但利率较CDs低，也就是定期存款利率要高。 -
第16题：
听力原文： Some banks offer other types of loans repayable by monthly installments, such as business development loans, house improvement loans, and farm development loans. These may be either secured or unsecured. Secured loans attract a slightly lower rate of interest than unsecured loans. Some banks offer revolving credit schemes. These normally involve loans repayable by regular monthly installments, but they differ from other loans repayable by installments in two respects. First, the borrower need not take up the full amount of the loan at the outset. Secondly, as his repayments reduce his indebtedness, he can "top up" his loan by borrowing more, provided that the total debt outstanding does not exceed his agreed credit limit. In 1967 some banks introduced a new form. of account called a "budget account". The object is to allow personal customers to spread the incidence of normal personal and household expenditure.
24. Which of the following loans is not repaid by installments?
25.Which of the following loans would attract a lower rate of interest?
26.How does a borrower "top up" his loan?
27.What is the objective of introduction of the budget account?
(24)
A．Business development loans.
B．House improvement loans.
C．Farm development loans.
D．Overdrafts.
正确答案：D
解析：录音原文一开始提到Some banks offer...and farm development loans. 一些银行推出其他种类按月分期还款的贷款，例如商业发展贷款、住房改善贷款和农业发展贷款。 -
第17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.
正确答案：A
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18题：
听力原文：M: Most banks tend to decline loan proposals which are highly speculative.
W: I think because the banks expect the loan to generate sufficient profit and positive cash-flow for themselves and for the clients.
Q: What will the banks usually do to the highly speculative loan proposals?
(15)
A．The banks will disapprove them.
B．The banks will approve them.
C．The Bank will benefit from the loans.
D．The bank will make profit from lending.
正确答案：A
解析：根据男士的话可知银行对投机性高的贷款申请的态度是“decline”，即“拒绝”，A项正确。 -
第19题：
The main liability on a bank balance sheet is ______.
A．deposits
B．capital and reserves
C．loans and overdrafts
D．cash
正确答案：A
解析：deposits存款。liability负债。bank balance sheet银行资产负债表。capital and reserves资本金和准备金。loans and overdrafts贷款与透支。cash现金。 -
第20题：
短文理解
听力原文： The banking system of China evolved from a mono-banking system between the 1940s and the early 1970s. Not until 1978 did China's banking system make a drastic shift in its banking philosophy and structure. The shift is not only a necessity for the country's development, but also acts as a gesture showing the "openness" of the country to the outside world.
Today, after nearly forty years of rapid development, China is moving towards a modem and market-oriented banking structure although there is still much to be improved to meet the needs of the country's development.
In the mid 1990s, banks in China began to focus their attention on capital adequacy requirements, non-performing and bad loans, profitability and also the industry's overall expansion strategy. Reforms of monetary and financial system in China are speeding up in the 90s. Existing specialized banks gradually have become commercial banks.
21. What kind of banking system did China have before the 1980s?
22.Up to now, how long has China experienced rapid development?
23.What are the banks in China focusing their attention on?
(21)
A．The same system as in the western countries.
B．A mono-banking system.
C．A modern banking system.
D．A commercial banking system.
正确答案：B
解析：录音原文提到The banking system of China...between the 1940s and the early 1970s. 20世纪40年代至70年代，中国银行系统从单一系统起步慢慢发展。 -
第21题：
There's been a steady drumbeat of warmings about a surge in risky corporate borrowing-but not much clarity serious the threat is. At issue is the more than S1 million market in leveraged loans. That's Wall Street jargon for loans to business with less than rook-solid finances, Federal Reserve and European Central Hank officials have drawn to the rise in corporate debt and the deterioration or lending standards. The loans are often bundled into securities ollateralized loan obligations (CLOs).
Most of the watchdogs are carceful to say a repeat of the 2007-2008 crisis is unlikely because most of the debt banks. But that creates another problem Regulators focused on banks are largely in the dark when it comes to where the risks he and how they might ripple through the financial system when the economy turns down. A big over-indebted businesses could face severe stress and, in some cases, insolvency, threatening jobs and deepen downturn.
The mechanics of the leveraged loan market will be familiar to students of the housing crisis.
With interesting investors are willing to take greater risks to get higher yields. That makes lots of money available for lending. we makes it easier for less creditworthy companies to borrow .Rather than keep the risky loans on their books, lender them to asset managers that package them into securities -C1Ds-that are sold to investors such as insurers and hedge funds.
Yields on the riskicst portions of CLOs can approach 9% a year. And the growth of leveraged lending has been post crisis bank regulations that helped the rise or shadow lenders financial companics that aren't regulated like market for levcraged loans has more than doubled since 2012.
The risk taking could get worse: With demand by borrowers for levcraged loans declining this year, those still financing have been able to extract looser learns.
About 85% of leveraged loans are held by nonbanks, according to Wells Fargo rescarch.
But banks may play a larger robe than may assumc, according to Gaurav V asisht, drector for financial regulation at the Volcker Alliance, a good-governance group, Banks are involved in all stages of the process. They underwrite loans, sell them to the CLOs, invest in those securities, and then hedge those risks in the market.“One common narrative is that banks don't have much risk or aren't exposed 1o it. Vasisht said at the hearing, "Banks are exposed to it."
Just beeause banks are safer doesn't necessarily mean the financial system is, says Karen Petron, managing partner at Federal Financial Analytics, a regulatory- analysis firm. Debt investors might not be as resilient in a crisis, and their problems could create shock waves. "Banking regulators are being a htte myopic when they 're looking only at the banking system for systemic risk," she says.- Sally Bakewell and Thomas Beardsworth.
According to the article, which of the following statements is true?( d )A. The mechanics of leveraged loans are different from that of housing crisis.
B. regulators admit that the financial crisis in 2008 might repeat.
C. shadow lenders will be regulated.
D. banks are not immune from the risks of corporate debt.答案：D解析：文章第三段提到它与住房贷款危机极为相似，第二段开头指出多数监管机构表示，由于大多数债务银行的存在，不太可能重演2007-2008年的危机，第四段最后部分指出该法规帮助那些影子贷方自2012年以来增长了一倍以上，因此排除ABC。文章倒数第二段中提到，有说法认为银行并未存在风险，但其实不然，所以答案选D，银行也并不能免疫。 -
第22题：
There's been a steady drumbeat of warmings about a surge in risky corporate borrowing-but not much clarity serious the threat is. At issue is the more than S1 million market in leveraged loans. That's Wall Street jargon for loans to business with less than rook-solid finances, Federal Reserve and European Central Hank officials have drawn to the rise in corporate debt and the deterioration or lending standards. The loans are often bundled into securities ollateralized loan obligations (CLOs).
Most of the watchdogs are carceful to say a repeat of the 2007-2008 crisis is unlikely because most of the debt banks. But that creates another problem Regulators focused on banks are largely in the dark when it comes to where the risks he and how they might ripple through the financial system when the economy turns down. A big over-indebted businesses could face severe stress and, in some cases, insolvency, threatening jobs and deepen downturn.
The mechanics of the leveraged loan market will be familiar to students of the housing crisis.
With interesting investors are willing to take greater risks to get higher yields. That makes lots of money available for lending. we makes it easier for less creditworthy companies to borrow .Rather than keep the risky loans on their books, lender them to asset managers that package them into securities -C1Ds-that are sold to investors such as insurers and hedge funds.
Yields on the riskicst portions of CLOs can approach 9% a year. And the growth of leveraged lending has been post crisis bank regulations that helped the rise or shadow lenders financial companics that aren't regulated like market for levcraged loans has more than doubled since 2012.
The risk taking could get worse: With demand by borrowers for levcraged loans declining this year, those still financing have been able to extract looser learns.
About 85% of leveraged loans are held by nonbanks, according to Wells Fargo rescarch.
But banks may play a larger robe than may assumc, according to Gaurav V asisht, drector for financial regulation at the Volcker Alliance, a good-governance group, Banks are involved in all stages of the process. They underwrite loans, sell them to the CLOs, invest in those securities, and then hedge those risks in the market.“One common narrative is that banks don't have much risk or aren't exposed 1o it. Vasisht said at the hearing, "Banks are exposed to it."
Just beeause banks are safer doesn't necessarily mean the financial system is, says Karen Petron, managing partner at Federal Financial Analytics, a regulatory- analysis firm. Debt investors might not be as resilient in a crisis, and their problems could create shock waves. "Banking regulators are being a htte myopic when they 're looking only at the banking system for systemic risk," she says.- Sally Bakewell and Thomas Beardsworth.
What is the main idea of this artiole? ( )
A. lessons learned from the financial crisis
B. the flaws of banking regulation
C. the warnings of regulators
D. the risks of corporate debts答案：D解析：文章第一段就提到，关于公司借贷风险的警告-直持续不断，但对于这种危险却并未有人清晰阐明。所以答案选D. -
第23题：
单选题The passage mainly wants to tell us ______.Ahow to buy or sell shares
BABC of stock markets
Cthe stock market is like gambling
Dinvesting money in the stock market is not the safest way
正确答案： C解析：
主旨大意题。纵观全文，本文讲解了一些股票的基本知识，如什么是股票，股票的性质以及投资股票的人等，即股票的一些常识。ABC of表示某个领域的基本知识。因此B选项正确。