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1、书山有路勤为径，学海无涯苦作舟。祝愿天下莘莘学子：学业有成，金榜题名！语言类考试复习资料大全银监财经专业模拟2银监财经专业模拟2一、经济金融基础知识单项选择题在每题给出的四个选项中，只有一项是符合题目要求的。问题:1. 以下不属于短期证券市场的短期信用工具的是_。A.国库券B.大额可转让定期存单C.企业股票D.银行承兑汇票答案:C解析 企业股票为资本市场工具，属于长期信用工具。问题:2. 金融资产具有_两个主要的经济功能。A.流通手段和价值尺度B.调节市场需求和风险转移C.稳定货币和刺激经济D.资源配置和转移风险答案:D解析 金融资产具有两个主要的经济功能：资源配置功能和风险转移功能。问题:3
2、. 若某行业中许多生产者生产一种标准化产品，我们可估计到其中任何一个生产者的产品的需求将是_。A.毫无弹性B.有单位弹性C.缺乏弹性或者说弹性较小D.富有弹性或者说弹性很大答案:D解析 许多生产者生产一种标准化的产品，可以归于完全竞争市场，对于其中任何一个生产者而言，只能被动接受市场供需形成的价格，而无法改变价格，所以，需求曲线为一条与横轴平行的水平直线，富有弹性。问题:4. 在完全竞争市场上，整个行业的需求曲线_。A.与个别企业需求曲线一致B.是向右下方倾斜的C.与横轴平行D.不影响市场价格答案:B解析 在完全竞争市场上，整个行业的需求曲线和某个企业的需求曲线是不同的(需求曲线的纵轴为价格P
3、，横轴为需求数量Q)。整个行业的需求曲线是一条向右下方倾斜的曲线，个别企业的需求曲线是一条平行于横轴的水平线。问题:5. 在经济稳定增长时期，实行旨在保持经济持续稳定发展的政策，被称为_财政政策。A.扩张性B.中性C.紧缩性D.自动稳定答案:B解析 本题考查中性财政政策的概念，中性财政政策是指在经济稳定增长时期，实行旨在保持经济持续稳定发展的政策。二、银监财经类专业单项选择题在每题给出的四个选项中，只有一项是符合题目要求的。问题:1. 根据凯恩斯经济学理论，下述何种情况下，挤出效应最大?_A.货币需求对利率具有敏感性，私人部门支出对利率敏感性强B.货币需求对利率具有敏感性，私人部门支出对利率敏
4、感性弱C.货币需求对利率缺乏敏感性，私人部门支出对利率敏感性弱D.货币需求对利率缺乏敏感性，私人部门支出对利率敏感性强答案:D解析 挤出效应是指政府支出增加所引起的私人消费或投资降低的效果。支出乘数、货币需求对产出水平的敏感程度及投资需求对利率变动的敏感程度与挤出效应成正比，而货币需求对利率变动的敏感程度则与挤出效应成反比。因此货币需求对利率变动的敏感程度越小，投资需求对利率变动的敏感程度越大，“挤出效应”越大。问题:2. 某人决定暑假去参加一个计算机培训班，这样，他就不能去打工赚2000元。参加这个培训班学费2000元，书本费200元，生活费1400元。参加这个培训班的机会成本是_元。A.2
5、000B.4200C.4000D.3600答案:B解析 该人参加计算机培训班的机会成本应该包括他为了参加培训所放弃的打工收入和培训所需的费用。但生活费不应包括在培训费用中，因为他不参加培训班也需要这笔生活费用。因此，机会成本就是2000+2000+200=4200(元)。问题:3. 货币乘数实际上就是货币供应量对_的倍数。A.银行存款B.现金C.流通货币D.基础货币答案:D解析 货币乘数是指货币供给的扩张倍数，也就是货币供给量与基础货币的比值。问题:4. 商业银行向中央银行借款通常有_两种方式。A.转贴现和政府担保B.再贴现和中央银行担保C.再贴现和再贷款D.转贴现和再贷款答案:C解析 商业银
6、行在有资金需要时，可以向中央银行申请借款，商业银行向中央银行借款有再贴现和再贷款两种途径。再贴现指商业银行或其他金融机构将贴现所获得的未到期票据，向中央银行作的票据转让。再贴现是中央银行向商业银行提供资金的一种方式。再贷款是指中央银行向商业银行的贷款。问题:5. 下列引起通货膨胀的原因中，哪一个最可能是成本推进型通货膨胀的原因?_A.银行存款的增加B.财政赤字增加C.全球大宗商品价格的上涨D.投资增加答案:C解析 成本推进型通货膨胀的根源在于总供给方面产品成本的上升。因为在通常情况下，商品的价格是以生产成本为基础，加上一定的利润而构成。因此，生产成本的上升必然导致物价上升。C项正确。银行存款增
7、加，货币供应量上升，引起需求增加；财政赤字以及投资增加也会引起需求增加，所以ABD三个选项为需求拉上型通货膨胀。问题:6. 货币中性理论认为，从长期看，货币是中性的，货币供给的增加只会影响均衡的_。A.价格水平B.产出水平C.就业水平D.投资水平答案:A解析 货币中性是指货币供给的增长将导致价格水平的相同比例增长，对于实际产出水平没有产生影响。问题:7. 已知某商品的需求函数和供给函数分别为：Qd=14-3P，QS=2+6P，该商品的均衡价格是_。A.4/3B.4/5C.2/5D.5/2答案:A解析 一种商品的均衡价格，是指该商品的市场需求量和市场供给量相等时的价格。本题中，即14-3P=2+
8、6P，解得P=4/3。问题:8. 银行的资本充足率是指_。A.资本与资产的比率B.资本与负债的比率C.资本与风险加权资产的比率D.资产与负债的比率答案:C解析 资本充足率是银行资本与风险加权资产的比率。问题:9. 利息的高低与_无关。A.政府政策B.国际利率水平C.借款人自身盈利能力D.市场利率水平答案:C解析 借款人是利息的接受者。问题:10. 以下_是直接融资工具。A.商业票据B.银行本票C.保险单D.银行债券答案:A解析 直接融资工具包括政府发行的国库券、企业债券、商业票据、公司股票等。间接融资工具包括银行债券、银行承兑汇票、可转让大额存单、人寿保险单等。问题:11. 下面关于金融工具和
9、金融市场叙述错误的是_。A.贷款属于间接融资工具，其所在市场属于间接融资市场B.股票属于直接融资工具，其发行、交易的市场属于直接融资市场C.银行间同业拆借市场属于货币市场，同业拆借是其中的一种短期金融工具D.银行间债券市场属于资本市场，债券回购是其中的一种长期金融工具答案:D解析 债券回购是一种短期金融工具。问题:12. 当居民和厂商分别实现了效用最大化和利润最大化，并且整个经济的价格体系恰好使所有的商品和生产要素的供求都相等时，经济就处于_。A.产品市场均衡B.要素市场均衡C.帕累托最优D.瓦尔拉斯均衡答案:D解析 当居民和企业分别实现了效用最大化和利润最大化，整个经济的价格体系恰好使所有的
10、商品供求都相等时，经济就处于一般均衡状态或瓦尔拉斯均衡状态。问题:13. 交易双方同意在将来的某一特定日期，按事先规定好的价格买入或售出既定数量的某种资产协议的金融工具，称为_，它是一种场外交易。A.金融期货B.金融期权C.远期合约D.互换答案:C解析 期货是标准化合约，是在有组织的交易所内完成的。远期合约一般不在规范的交易所内进行。问题:14. 由于银行的业务性质要求银行要维持存款人、贷款人和整个市场的信心，因此，银行通常将_看作对其市场价值最大的威胁。A.市场风险B.声誉风险C.法律风险D.流动性风险答案:B解析 良好的声誉是一家银行多年发展积累的重要资源，是银行的生存之本，是维护良好的投
11、资关系、客户关系以及信贷关系等诸多重要关系的保证。问题:15. 商业银行不动用本身资金，为顾客提供的各类服务的业务是_。A.负债业务B.证券业务C.中间业务D.同业拆借业务答案:C解析 选项ABD均动用本身资金。问题:16. 原始存款是商业银行吸收的_的存款。A.增加其基础货币B.增加其贷款规模C.增加其准备金D.增加其负债答案:C解析 原始存款是商业银行吸收的、能够增加其准备金的存款，包括银行吸收的现金存款或者中央银行对商业银行贷款所形成的存款。问题:17. 反映银行资本金与风险权重资产的比例关系为_。A.资本充足率指标B.风险权重资产比例指标C.经营收益率比例指标D.资产盈利比例指标答案:
12、A解析 风险权重资产比例是各项资产风险权重总额与资产总额的比例关系。问题:18. 既有风险损失又可能有风险收益的商业银行风险是_。A.信用风险B.投机风险C.流动性风险D.经营风险答案:B解析 投机是典型的损失和收益并存的例子。问题:19. 中央银行对市场进行政策调节时，效果最为强烈的金融工具是_。A.法定存款准备金率B.再贴现率C.银行再贷款率D.存款利息率答案:A解析 法定存款准备金率对货币乘数的影响很大，作用力度很强，因此政策效果最为强烈。问题:20. 中央银行减少货币供给量，可通过_渠道来实现。A.降低再贴现率B.在公开市场上卖出证券C.增加外汇储备D.减少商业银行在中央银行的存款答案
13、:B解析 在公开市场上卖出证券，使现金和银行存款减少，即减少了货币供应量。三、银监财经类专业多项选择题下面各题，每题至少有两个正确答案。问题:1. 在治理通货膨胀时，可以采用的紧缩性货币政策措施主要有_。A.提高法定存款准备金率B.提高再贴现率C.公开市场卖出业务D.减少储蓄存款 A B C D答案:ABC解析 D是扩张型的货币政策。问题:2. 投资银行发挥其资金媒介的职能作用，具体表现在充当_。A.期限中介B.流动性中介C.信息中介D.风险中介 A B C D答案:ABCD解析 投资银行是通过四个中介作用来发挥其媒介资金供求的功能的：第一，期限中介；第二，风险中介；第三，信息中介；第四，流动
14、性中介。问题:3. 下列关于政府实施最高限价的说法中，正确的有_。A.导致供给短缺B.可能出现生产者变相涨价C.黑市高价D.目标是保护消费者利益或降低某些生产者的生产成本 A B C D答案:ABCD解析 政府最高限价是由政府为某种产品价格上涨幅度过大，规定一个具体的价格，市场交易只能在这一价格之下进行。属于政府对市场的干预措施。问题:4. 下列货币政策工具中，属于直接信用控制的有_。A.道义劝告B.贷款限额C.利率限制D.流动性比率 A B C D答案:BCD解析 本题考查直接信用控制的货币政策工具。直接信用控制的货币政策工具包括贷款限额、利率限制、流动性比率、直接干预。选项A道义劝告属于间
15、接信用控制的货币政策工具。问题:5. 凯恩斯把人们持有货币的三个动机划分为两类需求，即_。A.对消费品的需求B.对投资品的需求C.对奢侈品的需求D.对保险品的需求 A B C D答案:AB解析 凯恩斯把人们持有货币的三个动机划分为两类需求，即对消费品的需求和对投资品的需求。四、英语阅读理解题阅读下列短文，从每题所给的四个选项(A、B、C和D)中，选出最佳选项。 Imagine waking up and finding the value of your assets has been halved. No, youre not an investor in one of those hedg
16、e funds that failed completely. With the dollar slumping to a 26-year low against the pound, already-expensive London has become quite unaffordable. A coffee at Starbucks, just as unavoidable in England as it is in the United States, runs about ￥8. The once all-powerful dollar isnt doing a Titanic a
17、gainst just the pound. It is sitting at a record low against the euro and at a 30-year low against the Canadian dollar. Even the Argentine peso and Brazilian real are thriving against the dollar. The weak dollar is a source of humiliation, for a nations self-esteem rests in part on the strength of i
18、ts currency. Its also a potential economic problem, since a declining dollar makes imported food more expensive and exerts upward pressure on interest rates. And yet there are substantial sectors of the vast U.S. economy from giant companies like Coca-Cola to morn-and-pop restaurant operators in Mia
19、mi for which the weak dollar is most excellent news. Many Europeans may view the U.S. as an arrogant superpower that has become hostile to foreigners. But nothing makes people think more warmly of the U.S. than a weak dollar. Through April, the total number of visitors from abroad was up 6.8 percent
20、 from last year. Should the trend continue, the number of tourists this year will finally top the 2000 peak? Many Europeans now apparently view the U.S. the way many Americans view Mexico as a cheap place to vacation, shop and party, all while ignoring the fact that the poorer locals cant afford to
21、join the merrymaking. The money tourists spend helps decrease our chronic trade deficit. So do exports, which thanks in part to the weak dollar, soared 11 percent between May 2006 and May 2007. For first five months of 2007, the trade deficit actually fell 7 percent from 2006. If you own shares in l
22、arge American corporations, youre a winner in the weak-dollar gamble. Last week Coca-Colas stick bubbled to a five-year high after it reported a fantastic quarter. Foreign sales accounted for 65 percent of Cokes beverage business. Other American companies profiting from this trend include McDonalds
23、and IBM. American tourists, however, shouldnt expect any relief soon. The dollar lost strength the way many marriages break up slowly, and then all at once. And currencies dont turn on a dime. So if you want to avoid the pain inflicted by the increasingly pathetic dollar, cancel that summer vacation
24、 to England and look to New England. There, the dollar is still treated with a little respect. 1. Why do Americans feel humiliated?_A.Their economy is plunging.B.They cant afford trips to Europe.C.Their currency has slumped.D.They have lost half of their assets.答案:C解析 问题为“为什么美国人感觉屈辱”。根据第三段“The weak
25、dollar is a source of humiliation, for a nations self-esteem rests in part on the strength of its currency.”可知美元的贬值是屈辱的来源，因为一个国家的自尊部分来自于货币的强势。换言之，美国人感觉屈辱是因为货币兑换过程中美元优势已大不如前。故选C。2. How does the weak dollar affect the life of ordinary. Americans?_A.They have to cancel their vacations in New England.B.
26、They find it unaffordable to dine in morn-and-pop restaurants.C.They have to spend more money when buying imported goods.D.They might lose their jobs due to potential economic problems.答案:C解析 根据第三段可知美元贬值对人们日常生活的影响：进口商品价格上涨、利率的上调压力；对大公司以及小餐馆来讲，却是个好事。故选C。3. How do many Europeans feel about the U.S wit
27、h the devalued dollar?_A.They think of it as a good tourist destination.B.They feel contemptuous of it.C.They regard it as a superpower on the decline.D.They are sympathetic with it.答案:A解析 根据第四段中的数据及“Many Europeans now apparently view the U. S. the way many Americans view Mexico as a cheap place to
28、vacation，shop and party.”可知欧洲人认为美国是度似、购物、开派对的好地方。故选A。4. According to the last paragraph, what is the authors advice to Americans?_A.They treat the dollar with a little respect.B.They try to win in the weak-dollar gamble.C.They treasure their marriages all the more.D.They vacation at home rather than
29、 abroad.答案:D解析 根据最后一段“So if you want to avoid the pain inflicted by the increasingly pathetic dollar, cancel that summer vacation to England and look to New England. There, the dollar is still treated with a little respect.”可知D项正确。5. In the authors opinion, the weak dollar leads to the following con
30、sequences EXCEFF that _A.The dollar has little respect in New England.B.Europeans begin to think more warmly of the U.S.C.Imported food is more expensive to the Americans.D.Some large American corporations make more profits.答案:A解析 根据原文最后一段可知，在新英格兰地区，美元还是被人们尊重的。A项意思与此相反，故选A。 Desertification, drought,
31、 and despair-thats what global warming has in store for much of Africa. Or so we hear. Emerging evidence is painting a very different scenario, one in which rising temperatures could benefit millions of Africans in the driest parts of the continent. Scientists are now seeing signals that the Sahara
32、desert and surrounding regions are greening due to increasing rainfall. If sustained, these rains could revitalize drought-ravaged regions, reclaiming them for fanning communities. This desert-shrinking trend is supported by climate models, which predict a return to conditions that turned the Sahara
33、 into a lush savanna some 12,000 years ago. The green shoots of recovery are showing up on satellite images of regions including the Sahel, a semi-desert zone bordering the Sahara to the south that stretches some 2,400 miles. Images taken between 1982 and 2002 revealed extensive regreening throughou
34、t the Sahel, according to a new study in the journal Biogeosciences. The study suggests huge increases in vegetation in areas including central Chad and western Sudan. The transition may be occurring because hotter air has more capacity to hold moisture, which in turn creates more rain, said Martin
35、Claussen of the Max Planck Institute for Meteorology in Hamburg, Germany, who was not involved in the new study. The water-holding capacity of the air is the main driving force, Claussen said. While satellite images cant distinguish temporary plants like grasses that come and go with the rains, grou
36、nd surveys suggest recent vegetation change is firmly rooted. In the eastern Sahara area of southwestern Egypt and northern Sudan, new treessuch as acaciasare flourishing, according to Stefan Kr? pelin, a climate scientist at the University of Colognes Africa Research Unit in Germany. Before, there
37、was not a single scorpion, not a single blade of grass, said Kr? pelin, who has studied the region for two decades. Now you have people grazing their camels in areas which may not have been used for hundreds or even thousands of years. You see birds, ostriches, gazelles coming back, even sorts of am
38、phibians coming back, he said.The trend has continued for more than 20 years. It is indisputable. An explosion in plant growth has been predicted by some climate models. For instance, in 2005 a team led by Reindert Haarsma of the Royal Netherlands Meteorological Institute in De Bilt, the Netherlands
39、, forecast significantly more future rainfall in the Sahel.The study in Geophysical Research Letters predicted that rainfall in the July to September wet season would rise by up to two millimeters a day by 2080. Satellite data shows that indeed during the last decade, the Sahel is becoming more gree
40、n. Haarsma said.Even so, climate scientists dont agree on how future climate change will affect the Sahel: Some studies simulate a decrease in rainfall.This issue is still rather uncertain, Haarsma said. Max Plancks Claussen said North Africa is the area of greatest disagreement among climate change
41、 modelers.Forecasting how global warming will affect the region is complicated by its vast size and the unpredictable influence of high-altitude winds that disperse monsoon rains, Claussen added. Half the models follow a wetter trend, and half a drier trend. 6. According to the first paragraph, glob
42、al warming is supposed to have the following impacts on Africa EXCEPT _.A.water deficiencyB.distressC.desertificationsD.more grasses and lakes答案:D解析 根据第一段第一句话“Desertification, drought, and despairthats what global warming has in store for much of Africa.”可知，desertification, drought, and despair”是全球变
43、暖给非洲带来的影响。A项和B项中的“water deficiency”和“distress”分别是文中“drought”和“despair”的同义表达，C项中的desertifications在文中有直接提及，只有D项在第一段中没有提及，故选D。7. According to Martin Claussen, what is the main cause of the increased vegetation in deserted areas? _A.The climate models are more changeable.B.Hot air would be more capable
44、to hold humidity.C.Many trees have been planted recently.D.The grasses are temporarily appeared with the rains.答案:B解析 根据第四段第三句“The transition may be occurring because hotter air has more capacity to hold moisture, which in turn creates more rain. said Martin Claussen.”可知，沙漠地区植被的增加的原因是“hotter air has
45、 more capacity to hold moisture”，即热空气有较强的持水能力，B选项即为原文的同义表述，故选B。8. What is the role of the sixth paragraph in the development of the topic? _A.To make a transition to a new topic.B.To work as a book to the following paragraphs.C.To provide a contrast to the preceding paragraphs.D.To offer supporting
46、evidence to the preceding paragraphs.答案:D解析 根据第六段第二、三句“Now you have people grazing their camels in areas which may not have been used for hundreds or even thousands of years. You see birds, ostriches, gazelles coming back, even sorts of amphibians coming back.”可知，现在曾经寸草不生之地，现如今已恢复生机，骆驼、鸟类等都再次回归。通过第六段所描绘的情景可知，作者是借助第六段的内容来支撑上文所述的观点，即沙漠化情况逐渐好转。故选D。9. The underlined sentence . North Africa is the area of greatest disagreement among climate change modelers in the last paragraph suggests that _.A.hal