小学《英语担保课》信用增级知识点试卷.docVIP

小学《英语担保课》信用增级知识点试卷

一、词汇与语法（共40分）

（一）词汇选择（每题2分，共20分）

以下哪个单词表示“保证”？

A.promiseB.guaranteeC.ensureD.secure

“信用”对应的英文单词是：

A.creditB.trustC.faithD.belief

“增级”可以翻译为：

A.upgradeB.enhanceC.increaseD.improve

“风险”的英文表达是：

A.dangerB.riskC.hazardD.threat

“抵押”对应的动词是：

A.mortgageB.pledgeC.pawnD.hypothecate

“担保物”可以用哪个单词表示？

A.collateralB.guaranteeC.securityD.assurance

“违约”的英文是：

A.breakB.defaultC.violateD.breach

“利率”的正确表达是：

A.interestrateB.rateofinterestC.interestratioD.ratioofinterest

“贷款”对应的英文单词是：

A.loanB.borrowC.lendD.debt

“信用评级”可以翻译为：

A.creditratingB.creditgradeC.creditscoreD.creditlevel

（二）语法填空（每题2分，共20分）

Thebankrequiresaguarantee______theloan.(介词)

Ifyou______(default)ontheloan,yourcreditscorewilldrop.(动词形式)

Thecompany______(issue)abondwithahighercreditrating.(动词形式)

Weneedtofindaway______(enhance)ourcreditworthiness.(非谓语动词)

Thecollateral______(value)at$100,000.(动词形式)

______(secure)theloan,heputuphishouseascollateral.(非谓语动词)

Theinterestrate______(depend)ontheborrowerscreditscore.(动词形式)

Shehasagoodcredithistory,______(so/but)shestillneedsaco-signer.(连词)

Thebankwillnotapprovetheloan______(unless/if)weprovidesufficientcollateral.(连词)

Thecreditratingagency______(assign)aAAAratingtothebond.(动词形式)

二、阅读理解（共30分）

（一）短文理解（每题3分，共15分）

Passage1

Creditenhancementisastrategyusedtoimprovethecreditprofileofafinancialinstrument.Ithelpstoreducetheriskforinvestorsandallowsissuerstoobtainbetterterms.Commonmethodsofcreditenhancementincludeovercollateralization,cashreserves,andthird-partyguarantees.Overcollateralizationinvolvespledgingmoreassetsthanthevalueofthesecurity.Cashreservesarefundssetasidetocoverpotentiallosses.Third-partyguaranteesareprovidedbyafinanciallystrongentitytobackthesecurity.

Whatisthepurposeofcreditenhancement?

A.Toincr