听力原文：During the second half year, this bank had total assets of USD80.2 million.(7)A．The bank had aggregate assets of USD80,200,000.B．The bank had aggregate assets of USD80,020,000.C．The bank had aggregate assets of USD8,200,000.D．The bank had aggregate a
题目
听力原文：During the second half year, this bank had total assets of USD80.2 million.
(7)
A．The bank had aggregate assets of USD80,200,000.
B．The bank had aggregate assets of USD80,020,000.
C．The bank had aggregate assets of USD8,200,000.
D．The bank had aggregate assets of USD18,200,000.
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第1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.
正确答案：B
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2题：
To get my traveler's check I had to _____ a special check to the bank for the total amount.
A. make for
B. make out
C. make off
D. make up
参考答案： B
-
第3题：
听力原文：The bank's foreign exchange department has to keep constant track of the positions in the various currencies.
(7)
A．The bank's foreign exchange department has to record the positions in the various currencies.
B．The hank's foreign exchange department has to record the positions in the various currencies.
C．The bank's foreign branches department has to record the various foreign currency liabilities.
D．The bank's foreign branches department has to record the positions in the various currencies.
正确答案：A
解析：单句意思为“银行外汇部必须随时监测各种货币的头寸”。 -
第4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5题：
听力原文：M: If a bank has inadequate liquidity, what would happen?
W: In this case, it cannot obtain sufficient funds, either by increasing liabilities or by converting assets promptly. Thus, insufficient liquidity can lead to the insolvency of a bank.
Q: What would lead to a bank's insolvency?
(14)
A．Adequate liquidity.
B．Insufficient liquidity.
C．Increasing liabilities.
D．Converting assets.
正确答案：B
解析：从女士的回答“insufficient liquidity can lead to the insolvency of a bank”，可知资金流动不足可导致银行破产。 -
第6题：
听力原文：M: I want to cash this check for my mother, but the teller told me to bring it here.
W: Yes, Sir. That's an out-of-town personal check. We wouldn't be able to cash it for you until the proceeds are collected from the paying bank.
Q: How will the bank deal with the man's check?
(18)
A．The bank will cash the check immediately.
B．The bank will issue a new bank account and deposit the money for him.
C．The bank will cash it for him until the proceeds are collected from the paying bank.
D．The bank will endorse the check before payment.
正确答案：C
解析：根据女士的说法，男士不能直接使用个人支票提取现金，因为这张个人支票跨出了地域范围，需要等到支付行付了手续费后，才能提取现金。 -
第7题：
听力原文：Many banks in America now carry accounts with the Bank of China, Shanghai.
(5)
A．Many banks in America accept accounts with the Bank of China, Shanghai.
B．Many banks in America start business with the Bank of China, Shanghai.
C．Many banks in America have accounts with the Bank of China, Shanghai.
D．Many banks in America owe money to the Bank of China, Shanghai.
正确答案：C
解析：carry accounts with意为“与…有账户往来”。 -
第8题：
"Balance Sheet" means the statement on which a bank's assets and liabilities are listed.
A．Right
B．Wrong
C．Doesn't say
正确答案：A
解析：从文中第二句后半部分other on-and-off balance sheet exposures such as guarantees, acceptances and securities investments. 可以倒推出来。资产负债表外业务没有涉及资产和负债，那么资产负债表就应该包含资产和负债。on-and-off balance sheet资产负债表内外，balance sheet。 -
第9题：
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
Mr. Jin agrees with the following ideas except ( ).A.World Bank and the Asian Development Bank emphasize more on poverty reduction than Asian Infrastructure Investment Bank does.
B.The Asian Infrastructure Investment Bank will be devoted to improve develpomengt in Asia.
C.The Asian Infrastructure Investment Bank will work together with the World Bank, the Asian Development Bank and the European Bank for Reconstruction and Development.
D.The Asian Infrastructure Investment Bank will pose a challenge to the United States.答案：D解析：本题考查的是细节理解。
【关键词】Mr. Jin; agrees; except
【主题句】第四段Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty.（不像世界银行和亚洲开发银行,亚洲基础设施投资银行没有那么强调减少贫困。 ）
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia（尽管新银行是中国的想法,但其目的是作为一个国际银行致力于改善所需的基本结构和设施来刺激亚洲发展。）
Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”（当提到其他三个资助该项目的机构时，他说,“我们可以很完美得一起工作。”
第五段But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture.（但奥巴马政府主要担心的是，亚洲基础设施投资银行将挑战当前的发展架构。）
第六段In the past year, Mr. Jin has worked to reassure Washington（在过去的一年中,金先生努力打消了美国政府的疑虑。）
【解析】本题问“金先生同意以下除了（ ）的观点？”选项A意为“世界银行和亚洲开发银行比亚洲基础设施投资银行更强调减贫”；选项B意为“亚洲基础设施投资银行将致力于改善亚洲的发展”；选项C意为“亚洲基础设施投资银行将与世界银行，亚洲开发银行和欧洲复兴开发银行合作”；选项D意为“亚洲基础设施投资银行将对美国构成挑战”。
根据主题句可知，美国政府担心亚洲基础设施投资银行会对其构成威胁，但金先生打消了其疑虑，说明他本人是不赞成这个观点的。故选项D错误。 -
第10题：
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
About the four projects, which one of the following statements is false? （ ）A.The project will only improve road in Tajikistan by three miles but it will do great help.
B.Local people welcome the projects.
C.The Asian Infrastructure Investment Bank can start the projects quickly with the finance of other institutions.
D.The project in Bangladesh is also financed with other institutions.答案：D解析：本题考查的是细节理解。
【关键词】four projects; false
【主题句】第二段The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe.（在塔吉克斯坦的道路只有三英里长,但它将帮助清除在首都杜尚别附近的一条重要的贸易路线的交通拥堵。） 第一段the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.该项目经济安全、保护环境，被当地人民广泛接受。
第三段Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly.（其中三个项目正在同时被其他几所机构资助—亚洲开发银行、世界银行和欧洲复兴开发银行,这个方法能够使新银行快速开展项目。）
第三段The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project.（该银行的1.65亿美元贷款被用于扩大孟加拉国农村地区的电力，这是该银行唯一的独立项目。）
【解析】本题问“关于这四个项目，哪个描述是错误的？” 选项A意为“这个项目只会改善塔吉克斯坦三英里的道路，但会有很大的帮助”；选项B意为“当地人欢迎这些项目”；选项C意为“亚洲基础设施投资银行可以利用其他机构的资金快速启动项目”；选项D意为“孟加拉国的项目也由其他机构提供资金”。
根据主题句可知，孟加拉国的项目是亚洲基础设施投资银行唯一的独立项目，没有其他机构协助，故选项D错误。 -
第11题：
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
According to the article, which one of the following statement is true?（ ）A.Britain’s exit from European Union will have an impact on its membership in the bank.
B.United States and Japan will join the Asian Infrastructure Investment Bank soon.
C.More countries are interested in the membership in the bank.
D.Germany and France will join the bank soon.答案：C解析：本题考查的是推理判断。
【关键词】following statement; true
【主题句】第七段The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference.（英国撤出欧盟预计不会影响到它与银行的关系,金先生说。“我相信英国将继续对银行发展起到重要作用,”他在新闻发布会上说。）
第五段The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank.（2014年，美国拒绝加入该组织。日本也没有寻求加入亚投行。）
第八段Two dozen countries have expressed interest in joining the bank， and they sent observers to the two-day meeting， Mr. Jin said. 24个国家已经表示出加入亚投行的意愿，他们派遣观察员参加为期两天的会议，金先生说。
第七段Other members of the European Union， including France and Germany， rushed in after Britain.（其他欧盟成员国，包括法国和德国,，紧随英国加入进来。）
【解析】本题问“根据文章，以下哪个描述是正确的？” 选项A意为“英国退出欧盟将对其在该银行的会员身份产生影响”；选项B意为“美国和日本即将加入亚洲基础设施投资银行”；选项C意为“更多的国家对银行会员资格感兴趣”；选项D意为“德国和法国将很快加入银行”。
根据主题句可知选项A错误,不会影响。 选项B错误，它们拒绝加入。选项C正确。选项D错误，法国德国已经加入，不是将要加入。 -
第12题：
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, shortly after becoming Secretary of the Treasury, showed remarkable insight into the financial problems of the young country and the economic implications of banking. The First Bank of the United States operated much like a private bank. But unlike a regular commercial bank, it had the federal government as a partner and number one customer. The Bank served as the fiscal agent for the government, holding government tax receipts, paying government bills, performing various financial housekeeping tasks. In return, the government kept its cash as deposits with the First Bank of the United States, giving it a huge financial base. The First Bank’s federal charter, moreover, allowed it to operate branches in all states, giving it a big competitive edge over regular state-chartered banks, which could operate only in the states that chartered them. Gradually the First Bank of the United States evolved into a sort of banker’s bank, gaining the power to police lesser commercial banks.正确答案： 【参考译文】
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。解析： 暂无解析 -
第13题：
听力原文：M: Accounting controls refer to plans, procedures and records required for safeguarding assets and producing reliable financial accounts.
W: Yes. Accounting controls are important elements of a bank's internal control system, the soundness of which is vital for bank's survival.
Q: What are the important elements of a bank's internal control system?
(15)
A．Accounting basis.
B．Cash basis accounting.
C．Accounting control.
D．The chart of accounts of a bank.
正确答案：C
解析：对话谈论的是内部会计控制的问题，根据女士的话"accounting controls are important elements of a bank's internal control system", 可知答案为C选项。 -
第14题：
听力原文：A bank or insurance company issues a document to guarantee that exporter will supply the goods or services as the required standard.
(4)
A．A bank or insurance company issues an advance payment bond.
B．A bank or insurance company issues a tender bond.
C．A bank or insurance company issues a maintenance bond.
D．A bank or insurance company issues a performance bond.
正确答案：D
解析：单句的意思为“银行和保险公司发行单据以保证出口商按照规定的标准提供货物和服务。”performance bond履约保函。advance payment bond预付款保函。tender bond投标保证金。maintenance bond保修协议。 -
第15题：
听力原文：The encashing bank forwards the cheque to the drawer's bank for payment and reimbursement.
(5)
A．The paying bank sends the check to the remitting bank for repayment.
B．The remitting bank sends the check to the paying bank for repayment.
C．The collecting bank sends the check to the remitting bank for repayment.
D．The remitting bank sends the check to the collecting bank for repayment.
正确答案：A
解析：单句意思为“兑现银行开出支票给出票人银行以获得偿款。”兑现银行指的就是付款银行，而出票银行指的是托收银行。 -
第16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.
正确答案：B
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17题：
听力原文：The advising bank will send the bill of lading and the L/C back to the issuing bank to get reimbursed.
(2)
A．The issuing bank will send the bill of lading and the L/C to the advising bank.
B．The issuing bank will notify the advising bank of the bill of lading and the L/C
C．The advising bank will reimburse the bill of lading and the L/C
D．The issuing bank will reimburse the bill of lading and the L/C
正确答案：D
解析：单句意思为“通知行将会把提单和信用证回寄到开证行以获得偿付款。” -
第18题：
听力原文：In the United States, the Federal Gold Reserve acts as the central bank.
(2)
A．In the US, the Federal Gold Reserve acts as the central bank.
B．In the US, the central bank is the commercial bank.
C．In the US, there is no central bank.
D．In the US, the central bank is not so important.
正确答案：A
解析：单句意思为“在美国，联邦黄金储备局发挥着中央银行的作用。” -
第19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20题：
Passage 1
Earlier this year, when America first sneezed, the European Central Bank （along with most private-sector economists） argued that the euro area was insulated from America's slowdown and had little to worry about. This seems to have wrong. In Germany there are fears about recession as business investment and retail sales tumble. Recent figures confirmed that Germany’s GDP stagnated in the second quarter. Italy's GDP fell in the second quarter, and although growth has held up better in France and Spain, the growth in the euro area as a whole was close to zero in the quarter. Nobody is forecasting an actual recession in the euro area this year, but it is no longer expected to provide an engine for world growth.
As for Japan, it is probably already in recession. Japan's GDP grew slightly in the first quarter. Persistent deflation continues to be a severe problem. A revised measure of Japan’s consumer-price index, to be published soon, is likely to show that deflation is worse than had been thought.
What does the 1st sentence mean?A. Earlier this year, America suffered from a cold.
B. The European Central Bank believed it wouldn't be affected by US.
C. The European Central Bank had little to worry about.
D. The euro area was safe and sound.答案：B解析： -
第21题：
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
What does “lean” mean in Paragragh 6?（ ）A.be well organized
B.be well funded
C.be less redundant
D.be less corrupted答案：C解析：本题考查的是词义判断。
【关键词】“lean”;Paragraph 6
【主题句】第六段He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”（他还强调亚投行的结构将会较为精炼，努力做到“精干、廉洁和绿色”。）
【解析】本题问“第六段的“lean”的意思是？” lean是形容词，“瘦的、贫乏”的意思，结合上下文推断在该文中，这个词的意思是不冗余，不臃肿的。选项A，“组织有序的”选项B，“资金完备的”。选项C, “不累赘的” 。选项D，“不腐化的”。 -
第22题：
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
The Asian Infrastructure Investment Bank’s first four loans will go to the following except ( ).A.India
B.Tajikistan
C.Pakistan
D.Bangladesh答案：A解析：本题考查的是细节理解。
【关键词】Asian Infrastructure Investment Bank; first four loans; except
【主题句】第一段A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan.一家新创的中国领导的国际发展银行在周六宣布了它的前四个贷款，承诺提供5.09亿美元用于孟加拉国农村的电力建设，升级印度尼西亚贫民窟的居住条件，并改善巴基斯坦和塔吉克斯坦的公路状况。
【解析】本题问“亚洲基础设施投资银行的前四批贷款会发往除了（ ）的几国？根据主题句可知，选项A印度并不在四国之列。 -
第23题：
共用题干
Federal Deposit Insurance Corporation
Before 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.
As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.54._________
A:.lost
B:.had lost
C:.will lose
D:.would lose答案：D解析：从后文可知，本句是条件从句，条件从句应当由if引导。
从货款这个概念应当推断出，应当是归还，而不是存储或者发现。
本句前一部分和后一部分是因果关系，应当用because引导这个从句，because of后面跟的是名词或名词性短语，而不是从句。
我们从整个句子的语态来看，本句是虚拟语气，应当选D。此外，根据前一部分“the band would soon be unable to meet withdrawals”中的语态，我们也能做出相应的判断。
call on意为“号召，呼吁”;call for意为“要求，提倡”;call off意为“放弃，取消”; call in意为“召回，收回”。根据题意，银行应当采取相应的收回货款的措施，因此选D。
reach peak是固定用法，例如：Sales have reached a new peak. 销售额已达到新高。
不定式符号to后面跟动词原形，所以选择C。
表达“对于……有信心”应当用介词in，即confidence in(后接名词，表示对……有信心），例如：She lacks confidence in herself．她缺乏自信心。
这里应当用指示代词来组成一个名词词组，并不是构成一个从句，并且后面跟同位语短语，所以选B。
upto意为“达……之多”，符合题意。“as many as”用于可数名词前，如果选项中有“as mucn as”，则也是正确的，因为钱是不可数名词。
has已经提示了此处应当用动词的过去分词形式表达现在完成时语态。
根据上下文，此处是指自从建立了保险制度以来，银行破产的个案是减少了，而不是增加或者消失。
根据上下文，此处表达否定意思“不再”，所以选C。
be/become concerned about意为“担心；担忧；挂念”，例如：We're rather concerned a- bout father's health．我们相当担心父亲的健康。be/become concerned in sth．意为“和某 事有牵连”。be/become concerned with意为“牵涉，与……有关，参与”。
根据上下文，此处表达“可能性”之意，所以选择possibility。