金融专业英语 3 银行英语竞赛题.docVIP

中国人民银行武汉分行所辖各省分行 专业英语竞赛试题 What are the liability businesses of commercial banks? 商业银行的负债业务有哪些？ 1) bank reserved capital (bank’s accumulated funds; retained earnings; equity of joint stock banks;); 2) deposit business (A. traditional deposit business including demand deposits; time deposits, savings deposits; B. deposit innovation, including large transferable certificates of deposits, callable deposits; entity’ agreement-basis deposits; 3) borrowers’ funds business (A. Inter-bank borrowings; B. discount and re-discounts; C. borrowings from the Central Bank, D. buy-back agreements, E. temporary funds, F. Issuing of financial bonds What are the assets businesses of commercial banks ? 商业银行的资产业务有哪些？ 1) cash assets (A. Inventory cash, B. deposits with the Central Bank, including required reserves, excessive reserves, deposits due to other banks, proceeds on collection), 2) loans (A. classification of loans B. classification of the degree of loans), 3) discounting of notes; investment business. What are the intermediate businesses of commercial banks ? 商业银行的中间业务有哪些？ 1) settlement business (A. RMB settlement business including banker’s drafts, commercial drafts, bank’ promissory notes, checks, cashing settlement, factoring, B. international settlement including overseas remittance, collection and letter of credit business) 2) bank credit cards business 3) Factoring business What is money supply? What is the importance of money supply in economy ? 什么是货币供给？它在经济中有何作用？ 1) at a certain point of time the total volume of the money that play the roles of circulation and payment, it is referred to as the the total purchasing power of a society. 2) the amount of money supply and its circulation represents the total demands and needs in the form of money. Regulation of money supply is to regulate the total demands and needs of a society, which is designed to make the trade-off between the general demands and the general needs. What are the layers of money supply in our countr