Risk assessment include:____
A.to know about institutions
B.the risk management capabilities
C.the risk level
D.the
答案是：B.the risk management capabilities
C.the risk level
D.the developing direction of risk
For commercial bank, which two parts does the operating revenuemainly include?____
A.Asset Revenue
B.Rental Revenue
C
答案是：A.Asset Revenue
C.Service Revenue
The important bank blank voucher include: ____
A.Certificate of deposit
B.Bank passbook
C.Check
D.Credit card(Letter
答案是：A.Certificate of deposit
B.Bank passbook
C.Check
D.Credit card(Letter of credit)
Here’s my card, Let’s keep in ___.
A.touch
B.relation
C.connection
D.friendship
答案是：A.touch
The Oscar is one of the film prizes ____ offered to any Chinese actor or actress so far.
A.which is not
B.that have no
答案是：B.that have not been
I.ll come , ________ I don.t expect to enjoy myself.
A.if
B.since
C.as
D.though
答案是：D.though
The queen will visit the town in May , ________ she will open the new hospital.
A.when
B.then
C.while
D.but
答案是：A.when
Henry was deported for having an expired visa. He _______ his visa renewed.
A.should have had
B.must have had
C.might
答案是：A.should have had
It is estimated that much of a teenager.s time is spent______ with friends.
A.to talk
B.talking
C.being talked
D.hav
答案是：A.to talk
B.talking
C.being talked
He is _______a writer as a reporter.
A.more
B.rather
C.nottso much
D.not such
答案是：C.nottso much
D.not such
Where’s John, do you know? ----- Oh, _____to hospital.
A.he’s taken
B.he’ll be taken
C.he’s been taken
D.he’ll take
答案是：B.he’ll be taken
C.he’s been taken
Non-performing loans includes _______
A.substandard
B.doubtful
C.loss
D.pass
答案是：A.substandard
B.doubtful
C.loss
How about a film tonight? ----- _______I haven.t been to the cinema for a long time.
A.Yes, thanks.
B.Why not?
C.No,
答案是：D.It's a pity.
They are going downtown ________bus instead of _______their bikes.
A.by, by
B.on; by
C.by; in
D.by; in
答案是：D.by; in
The queen will visit the town in May, _________she will open the new hospital.
A.when
B.then
C.while
D.but
答案是：A.when
Nobody could have guessed , in those days , the place in history that Martin Luther King, Jr____.
A.was having
B.was t
答案是：B.was to have
I must be leaving now. It.ll be 3 hours. drive to get there. -__________.
A.Good-bye
B.Take care
C.Take it easy
D.
答案是：B.Take care
It is one __________best sellers in our country now.
A.of them
B.of those
C.of this
D.of their
答案是：B.of those
D.of their
I don.t think Jill would be a good teacher. She.s got ______ patience with children.
A.plenty
B.much
C.less
D.little
答案是：A.plenty
D.little
Alice was about to______, when she suddenly found an answer to the question.
A.make up
B.look up
C.turn up
D.give up
答案是：C.turn up
D.give up
Harry treats his secretary badly. -Yes, he seems to think that she.s the______ important person in the office.
A.less
答案是：B.least
D.most
He will go to America next month, if he ____ready then.
A.is
B.will be
C.shall be
D.is going to be
答案是：A.is
______bricks, workers press clay into blocks and bake them to the requisite hard.
A.Being made
B.The making of
C.To m
答案是：C.To make
John and I ____ friends for eight years. We first got to know each other at a Christmas party. But we _______ each othe
答案是：D.have been;had met
Please give me more time;______ I shall not be able to finish the paper by next Monday.
A.meanwhile
B.therefore
C.oth
答案是：C.otherwise
John and Sue_______computer games for hours before their parents came home from work.
A.are playing
B.have been playin
答案是：D.had been playing
What kind of main risk exists in loan acceptance operation?____
A.Policy risk
B.Law & regulatory risk
C.Banking liqui
答案是：A.Policy risk
B.Law & regulatory risk
C.Banking liquidity risk
Internal control’s goal is ____
A.Enhance work performance
B.Advance authenticity of financial data
C.Strengthen comp
答案是：A.Enhance work performance
B.Advance authenticity of financial data
C.Strengthen compliance & validity
Loan vouch is ____
A.Pledge
B.Impawn
C.Guarantee
D.Comfort letter
答案是：A.Pledge
B.Impawn
C.Guarantee
The equity capital of the banks are mainly used for ____
A.providing permanence income resources for shareholders and l
答案是：A.providing permanence income resources for shareholders and lasting capital resources for the
B.undertaking risks and adopting loses
C.proving for the foundation of business development
D.guaranteeing the sound and stable management of the banks for the shareholders
Among the following choices, which are used for measuring credit risk? ____
A.The weighted method
B.The standard metho
答案是：B.The standard method
C.The primary method of internal rating
D.The senior method of internal rating
He asked who I voted for and I said it was my own _______.
A.thing
B.matter
C.duty
D.business
答案是：D.business
Good heavens! There you are! We ____ anxious about you, and we ____ you back throughout the night.
A.are; expect
B.wer
答案是：C.have been; were expecting
Though Mary continued working, she kept looking at the clock ______, thinking of her sick baby in hospital.
A.all the t
答案是：A.all the time
I haven.t seen you since you came back from holiday, ______ a nice time?
A.Do you have
B.Did you have
C.Have you had
答案是：B.Did you have
________ Hongkong is often regarded as ________ international centre for business, finance and tourism.
A./ an
B.An /
答案是：B.An /
D./ the
I.ll come , ________ I don.t expect to enjoy myself.
A.beyond
B.through
C.across
D.over
答案是：A.beyond
C.across
D.over
I’m readin his______novel.
A.best-selling
B.best-sold
C.best-sale
D.best-sell
答案是：A.best-selling
C.best-sale
The local government cut down their costs ______ 30 percent.
A.at
B.by
C.for
D.with
答案是：B.by
C.for
Li Fang is very busy,_____she.s always helping others with their lessons.
A.but
B.although
C.so
D.for
答案是：A.but
B.although
It’s getting cold, Be careful_____ your health.
A.for
B.with
C.at
D.about
答案是：B.with
The case ______ a lot of things, ______ a second-hand watch.
A.contained; including
B.included;containing
C.included;
答案是：A.contained; including
______ the town was attacked by the storm several times, little damage was done.
A.As
B.If
C.Since
D.Although
答案是：D.Although
—Would you mind holding the door open for me,please?—______.
A.Don.t mention it
B.Oh, with pleasure
C.Well, that.s al
答案是：B.Oh, with pleasure
Commercial banks prepare financial statements which should meet the following requirements: _______
A.data authentic
B
答案是：A.data authentic
C.comprehensive and complete
D.submit timely preparation of
Commercial Bank Profitability analysis of basic methods include: _______
A.Comparative Analysis
B.Difference Analysis
答案是：A.Comparative Analysis
C.Ratio Analysis
D.Factor Analysis
The three pillars of the NEW Capital Accord include _______
A.minimum capital requirements
B.the supervisory review pr
答案是：A.minimum capital requirements
B.the supervisory review proess
C.market discipline
The new regulatory concepts of CBRC includes _______
A.conducting consolidated supervision
B.focusing on risk-based su
答案是：A.conducting consolidated supervision
B.focusing on risk-based supervision
C.strengthening banks internal controls
D.enhancing transparency
According to the risk profile, grades the loans into 5 categories，namely _______.
A.pass
B.special mention
C.substand
答案是：A.pass
B.special mention
C.substandard
D.doubtful
Years ago we didn’t know this, but recent science ______ that people who don’t sleep well soon get ill.
A.showed
B.has
答案是：B.has shown
_____ Sundays we stay at home.
A.With
B.At
C.In
D.On
答案是：D.On
Mary ______ anything in the shop.
A.won.t buy
B.didn.t buy
C.didn.t bought
D.don.t buy
答案是：B.didn't buy
– Can you come on Monday or Tuesday? – I’m afraid ______ day is possible.
A.either
B.neither
C.any
D.some
答案是：B.neither
He is_______a writer.
A.failure as
B.a failure as
C.the failure for
D.a failure with
答案是：B.a failure as
Which kind of loan below belongs to the category of corporate loans?_______
A.Working Capital Circular Loans
B.Trade F
答案是：A.Working Capital Circular Loans
B.Trade Financing loans
C.Corporate Account Overdraft
D.Syndicated Loans
Loan guarantees includes _______
A.Mortgage
B.Pledge
C.guarantee
D.letterroffcomfort
答案是：A.Mortgage
B.Pledge
C.guarantee
Component Risk Assessment contains:_______
A.report
B.Inherent Risk
C.Risk Control
D.Risk in Future
答案是：B.Inherent Risk
C.Risk Control
D.Risk in Future
I didn’t manage to work out the problem _______the teacher had explained how.
A.until
B.unless
C.when
D.before
答案是：A.until
____ your teacher like you?
A.Do
B.Does
C.Are
D.Is
答案是：B.Does
______ if he.d ever been fined before, Mathew replied, "Only for speeding. "
A.Asking
B.Asked
C.To ask
D.Having aske
答案是：B.Asked
Who is late this time-______you ask Susan,of course.
A.Could
B.Can
C.Need
D.Would
答案是：B.Can
I.ll send you my address______ I find somewhere to live.
A.although
B.as
C.while
D.once
答案是：D.once
Quantitative and consolidated supervision concludes _______
A.the supervision of inside transaction
B.capital supervis
答案是：A.the supervision of inside transaction
B.capital supervision
Which three major risks of the following are the Chinese bankinginstitute facing at present time?______
A.credit risk
答案是：A.credit risk
B.market risk
D.operation risk
The main causes that would lead to internal control failure include _______.
A.poor external supervision and regulation
答案是：B.lack of internal supervision;
C.disordered control structure;
D.neglecting the risks of new business.
The methods of issuing financial bonds include:_______
A.through market distribution
B.through agreement
C.through le
答案是：A.through market distribution
D.through directional distribution
Which of the followings are the products of corporate debts _______
A.revolving liquidity loan
B.trade financing loan
答案是：A.revolving liquidity loan
B.trade financing loan
C.corporate account overdraft
D.syndicated loan
John helped me write a letter ____ English.
A.with
B.of
C.in
D.by
答案是：C.in
Nancy isn.t here. It.s my mistake. I forgot all about____ her.
A.telephoning
B.to telephone
C.to telephone to
D.he t
答案是：A.telephoning
"Would you like some more noodles ?" "No, thanks. I ________________."
A.don.t want to
B.can.t eat
C.am not hungry
D
答案是：D.I'm full
That young man has made so much noise that he ___ not have been allowed attend the concert.
A.could
B.must
C.would
D
答案是：D.should
A fireman discovered the __________ of the fire.
A.truth
B.reason
C.cause
D.fact
答案是：C.cause
Strong mobility management,including key factors:___________
A.Good management information system
B.Control of the Cen
答案是：A.Good management information system
B.Control of the Central Liquidity
C.Options of the net funding requirements
D.Diversification of financing sources, and contingency plans
The risk exposure and assessment disclosures relate to ___________
A.credit risk
B.market risk
C.operational risk
D.
答案是：A.credit risk
B.market risk
C.operational risk
D.interest rate risk in the banking book
The Basel Capital Accord (Basel I) is made up of three elements, they are: ___________
A.a definition of regulatory cap
答案是：A.a definition of regulatory capital
B.risk-weighted assets
C.credit conversion factors (CCFs)
The followings can be classified as off-balance sheet business are:___________
A.Deposits
B.Trust Consulting
C.L/C
D
答案是：B.Trust Consulting
C.L/C
D.Agency
The typical measures of internal control included:___________
A.risk identified
B.behavior control
C.assessment and a
答案是：B.behavior control
C.assessment and authorization
This hotel _______ $60 for a single room with bath.
A.charges
B.demands
C.prices
D.claims
答案是：A.charges
Macao ______ its return to China in December, 1999.
A.watched
B.found
C.saw
D.noticed
答案是：C.saw
He will have ______ 30 by the end of this year.
A.turned
B.become
C.got
D.taken
答案是：A.turned
Facts show that as many as 50 percent of patients do not take drugs ______ directed.
A.like
B.as
C.which
D.so
答案是：B.as
[填空题,12分] Longer working hours in the United States is a ______(rise) trend, whereas the trend in other industrialized c
答案是：rising
[名词解释题,13分] Consultant
答案是：someone who advises people on a particular subject
[名词解释题,13分] Team-building
答案是：the proces of encouraging members of a group to work well together,,for example by having them take part in activities orrgames
[名词解释题,12分] Project team
答案是：a group of people make together a carefully planned piece of work to get information about sth
[多选题,10分] Based on the funding sources, liability business of commercial banks can be categorized: ____
A.Deposit liabi
答案是：A.Deposit liability
B.Borrowing liability
D.Clearing liability
[多选题,10分] In operation and management of commercial banks, capital demand management mainly includes ____
A.Scale manag
答案是：A.Scale management
B.Structure management
[多选题,10分] The major interest rate risk banks face includes;____
A.Option risk
B.Benchmark risk
C.Yielddcurve risk
D.
答案是：A.Option risk
B.Benchmark risk
C.Yielddcurve risk
D.Repricing risk
[多选题,10分] Results of rating system, which must be used in banks. daily operation, include ____
A.Credit approval
B.Ris
答案是：A.Credit approval
B.Risk management
C.Internal capital location
D.Corporate governance
[多选题,10分] The three main risks which China.s banking sector is facing are ____
A.Credit risk;
B.Market risk;
C.lega
答案是：A.Credit risk;
B.Market risk;
D.operational risk.
[单选题,10分] ____ they will send us an invitation is not yet known, __we hope they sill.
A.If...write
B.That so
C.When..
答案是：D.Whether...butt
[单选题,10分] That young man has made so much noise that he ___ not have been allowed attend the concert.
A.could
B.must
答案是：D.should
[单选题,10分] There are _______ custom tailors and dres makers in the U.S. than in European countries.
A.far fewer
B.so fe
答案是：A.far fewer
[多选题,10分] The loan review should focus on :____
A.Loan Purpose
B.source of repayment
C.asset conversion cycle
D.he r
答案是：A.Loan Purpose
B.source of repayment
C.asset conversion cycle
D.he repayment record
[多选题,10分] Factors affecting the loan loss: ____
A.the customer behavior
B.value of collateral
C.ability of the guaran
答案是：A.the customer behavior
B.value of collateral
C.ability of the guarantor
[多选题,10分] Risk assessment include:____
A.to know about institutions
B.the risk management capabilities
C.the risk lev
答案是：B.the risk management capabilities
C.the risk level
D.the developing direction of risk
[多选题,10分] For commercial bank, which two parts does the operating revenuemainly include?____
A.Asset Revenue
B.Rental
答案是：A.Asset Revenue
C.Service Revenue
[多选题,10分] The important bank blank voucher include: ____
A.Certificate of deposit
B.Bank passbook
C.Check
D.Credit c
答案是：A.Certificate of deposit
B.Bank passbook
C.Check
D.Credit card(Letter of credit)
[单选题,10分] Here’s my card, Let’s keep in ___.
A.touch
B.relation
C.connection
D.friendship
答案是：A.touch
[单选题,10分] The Oscar is one of the film prizes ____ offered to any Chinese actor or actress so far.
A.which is not
B.th
答案是：B.that have not been
[单选题,10分] I.ll come , ________ I don.t expect to enjoy myself.
A.if
B.since
C.as
D.though
答案是：D.though
[单选题,10分] The queen will visit the town in May , ________ she will open the new hospital.
A.when
B.then
C.while
D.bu
答案是：A.when
[单选题,10分] Henry was deported for having an expired visa. He _______ his visa renewed.
A.should have had
B.must have ha
答案是：A.should have had
[多选题,10分] It is one __________best sellers in our country now.
A.of them
B.of those
C.of this
D.of their
答案是：B.of those
D.of their
[多选题,10分] It is estimated that much of a teenager.s time is spent______ with friends.
A.to talk
B.talking
C.being tal
答案是：A.to talk
B.talking
C.being talked
[多选题,10分] He is _______a writer as a reporter.
A.more
B.rather
C.nottso much
D.not such
答案是：C.nottso much
D.not such
[多选题,10分] Where’s John, do you know? ----- Oh, _____to hospital.
A.he’s taken
B.he’ll be taken
C.he’s been taken
D.h
答案是：B.he’ll be taken
C.he’s been taken
[多选题,10分] Non-performing loans includes _______
A.substandard
B.doubtful
C.loss
D.pass
答案是：A.substandard
B.doubtful
C.loss
[单选题,10分] How about a film tonight? ----- _______I haven.t been to the cinema for a long time.
A.Yes, thanks.
B.Why no
答案是：D.It's a pity.
[单选题,10分] They are going downtown ________bus instead of _______their bikes.
A.by, by
B.on; by
C.by; in
D.by; in
答案是：D.by; in
[单选题,10分] The queen will visit the town in May, _________she will open the new hospital.
A.when
B.then
C.while
D.but
答案是：A.when
[单选题,10分] Nobody could have guessed , in those days , the place in history that Martin Luther King, Jr____.
A.was havin
答案是：B.was to have
[单选题,10分] I must be leaving now. It.ll be 3 hours. drive to get there. -__________.
A.Good-bye
B.Take care
C.Take i
答案是：B.Take care
[多选题,10分] I don.t think Jill would be a good teacher. She.s got ______ patience with children.
A.plenty
B.much
C.less
答案是：A.plenty
D.little
[多选题,10分] Please give me more time;______ I shall not be able to finish the paper by next Monday.
A.meanwhile
B.theref
答案是：B.therefore
C.otherwise
[多选题,10分] It was a big celebration-______people gathered at the city square.
A.five thousands
B.five thousand
C.thous
答案是：A.five thousands
B.five thousand
C.thousands
D.thousand of
[多选题,10分] Alice was about to______, when she suddenly found an answer to the question.
A.make up
B.look up
C.turn up
答案是：C.turn up
D.give up
[多选题,10分] Harry treats his secretary badly. -Yes, he seems to think that she.s the______ important person in the office.
答案是：B.least
D.most
[单选题,10分] He will go to America next month, if he ____ready then.
A.is
B.will be
C.shall be
D.is going to be
答案是：A.is
[单选题,10分] ______bricks, workers press clay into blocks and bake them to the requisite hard.
A.Being made
B.The making
答案是：C.To make
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