The bank（56) borrowers enough interest to pay the expense of the bank and have something l

Liquidity risk arises from the inability of a bank to accommodate unexpected decreases in (56) or to fund increases in (57) . When a bank has (58) liquidity, it cannot obtain sufficient funds, either by increasing liabilities or by (59) assets promptly, at a reasonable cost, thereby affecting profitability. In extreme cases, insufficient liquidity can lead to the (60) of a bank.

(41)

A．liabilities

B．assets

C．sufficiency

D．supply

In order to (56) foreign exchange administration, maintain strong balance of payments position, China (57) the Regulations on Foreign Exchange Administration on January 29,1996. The State Administration of Foreign Exchange is the agency responsible for foreign exchange administration. The SAFE has a similar branch structure with that of the People's Bank of China, China's central bank. The Bank of China (58) the principal foreign exchange bank. Other banks and financial institutions, (59) affiliates of non-resident banks, (60) designed transactions with the approval of the SAFE.

(41)

A．develop

B．improve

C．change

D．conduct

Banks are subject to various forms of legal risk, including inadequate or incorrect (56) advice or documentation that may result in unexpected decline in the value of (57) or unexpected increase in the value of liabilities. In addition, existing laws may (58) resolve legal issues involving a bank; a court case involving a (59) bank may have wider implications for banking business and involve costs to it and many or all other banks; and, laws (60) banks or other commercial enterprises may change. Banks are particularly susceptible to legal risks when entering new types of transactions and when the legal right of a counterpart to enter into a transaction is not established.

(41)

A．bank

B．financial

C．legal

D．governmental

According to the passage, unsecured loans are granted on the basis of ______.

A．the borrower's financial condition

B．the guarantor's financial condition

C．the guarantor's past record of repayment

D．the borrower's pledged assets

A certificate of deposit (CD) is issued by a depository- institution (56) that the holder has deposited at the institution a certain mount of money for a certain period of time. By issuing a certificate of deposit, a bank, or (57) institution, gives its pledge to (58) the certificate at maturity and to pay a certain rate of interest for the use of the deposited funds.

Certificates of deposit are issued in several different forms. They may be negotiable or nonnegotiable, If a CD is negotiable it may be sold on the secondary market (59) to maturity. Usually only large CDs are issued in negotiable form. CDs may also be issued either in bearer or registered form. Negotiable CDs are usually always issued in bearer form. because of the ease with which ownership may be (60) .

(41)

A．evidence

B．fact

C．proof

D．prove

. You are required to select one word for each blank from a list of choices given in a word bank following the passage. Read the passage through carefully before making your choices. Each choice in the bank is identified by a letter. Please mark the corresponding letter for each item on Answer Sheet 2 with a single line through the centre. You may not use any of the words in the bank more than once. Questions 47 to 56 are based on the following passage. Nearly a third of women are the main breadwinners in their household in Britain, according to a major survey.Researchers said that in many relationships it was no longer assumed that the man would bring in the bigger income，47 in a time of widespread redundancies(裁员)． In a 48 shift in attitudes, four out of ten women said that the career of whichever partner had the highest income would take 49 in the relationship. In one in ten families, a house husband looks after the children and does the 50 while their female partner works full time. Ten percent of women admitted this role 51 had put strains on their relationship and some said it had even led to them 52 company． The Women and Work Survey 2010，commissioned(受……委托)by Grazia magazine，found that almost half of full-time mothers 53 not earning their own money. And two thirds of the mothers among the 2,000 women in the survey said they wanted to keep working in some way after having children. A 54 higher number of those with children under three said they would prefer to work--preferably part-time----rather than stay at home. Victoria Harper of Grazia said,"Women are getting good jobs when they graduate, and working up the career 55 faster than they have ever done." This means that there has to be more 56 between the roles of men and women in a relationship and when they have children. A．precedence I．especially B．connection J．parting C．prospect K．opposite D．slightly L．chores E．ladder M．disliked F．favored N．fluidity G．plan Ｏ．significant H．reversal 47.__________

阅读以下信用证，并选择填空。

Department: A SWT023BO1 Sep/No: 004951

Message Received On: 2008-05-12/16:56:50

15.03 16:38

33062 BOCSH A CN *

33062 BOCSH A CN

×××××

LOCAL TIMF MON MAY 12 16:09:20 2008

TO: BANK OF CHINA, SHANGHAI

SWIFT CODE: BKCHCNBJA300

FROM: NATL AGRICULTURAL COOPERATIVE FEDN, SEOUL

TEST-KEY: SEE 72 FIELD (CAL FOR 116188)

MUR: 000000000482161:

MESSAGE-TYPE: 700 ISSUE OF A DOCUMENTARY CREDIT

+27: SEQUENCE OF TOTAL 1/1

+40A: FORM OF DOCUMENTARY CREDIT IRREVOCABLE

+20: DOCUMENTARY CREDIT NUMBER JC968509MU00158

:31C: DATE OF ISSUE 080515

+40E: APPLICABLE RULES UCP LATEST VERSION

+3ID: DATE AND PLACE OF EXPIRY 080715 CHINA

+50: APPLICANT RAIN DREANS IMP. & EXP.

CORP.

NO. 90, MOSQUE ROAD, SE-

OUL, KOREA

+59: BENEFICIARY SHANGHAI WENTONG CO.,

LTD.

1125 YANCHANG ROAD,

SHANCHAI, CHINA

+32B: CURRENCY CODE, AMOUNT: USD22 422

+41D: AVAILABLE WITH...BY... ANY BANK

BY NEGOTIATION

42C: DRAFTS AT... 60DAYS AFTER SIGHT

42A: DRAWEE AMERICAN EXPRESS BANK

LTD., NEW YORK

43P: PARTIAL SHIPMENTS ALLOWED

43T: TRANSSHIPMENT ALLOWED

44E: PORT OF LOADING/AIRPORT

OF DEPARTURE CHINA PORT

44F: PORT OF DISCHARGE/AIRPORT

OF DESTNATION BUSAN KOREA

44C: LATEST DATF OF SHIPMENT 080708

45A: DESCRIPTION OF GOODS AND/OR SERVICES

+TRADE TERMS: CIF BUSAN KOREA

ORIGIN: CHINA

+ Trolley Cases

TS503214 1 104PCS

TS503215 1 149PCS

TS503216 1 440PCS

:46A: DOCUMENTS REQUIRED

+SIGNED COMMERCIAL INVOICE IN QUADRUPLICATE

+PACKING LIST IN QUADRUPLICATE SHOWING PIECE LENGTH

PER PACKAGE

+FULL SET OF CLEAN ON BOARD OCEAN BILLS OF LADING

MADE

OUT TO THE ORDER OF NATIONAL AGRICULTURAL COOPERA-

TIVE

FEDERATION MARKED "FREIGHT PREPAID" AND NOTIFY AC-

COUNTEE

+INSURANCE POLICY OR CERTIFICATE IN DUPLICATE, EN-

DORSED

IN BLANK FOR 11OPCT OF THE INVOICE VALUE, EXPRESSLY

STIPULATINC THAT CLAIMS ARE PAYABLE IN THE

CURRENCY OF THE DRAFT, ALSO INDICATING A CLAIMS

SETTLING AGENT IN KOREA AND INSURANCE MUST INCLUDE

INSTITUTE CARGO CLAUSE: ALL RISKS, WAR RISKS AND SRCC

+COPY OF FAX/TLX SENT TO APPLICANT ON SHIPMENT DATE

ADVISING SHIPPING DETAILS

ADDITIONAL CONDITION

47A: +BILLS OF LADING ARE INDICATED NAME ADDRESS AND TELE-

PHONE NUMBER OF CARRYING VESSEL'S AGENT AT PORT OF

DESTINATION

:71B: CHARCES EXCEPT OTHERWISE STATED. ALL BANKINC CHARGES

OUTSIDE KOREA INCLUDING REIMBURSING BANK'S CHARGES

ARE FOR BENEFICIARY'S ACCOUNT

:48: PERIOD FOR PRESENTATION DOCUMENTS TO BE PRESENTED

WITHIN 21 DAYS AFTER THE DATE OF SHIPMENT BUT IN ANY

EVENTS WITHIN THE CREDIT VALIDITY

+49: CONFIRMATION INSTRUCTIONS

WITHOUT

53A: REIMBURSING BANK

AMERICAN EXPRESS BANK LTD, NEW YORK

:78: INSTRUCTIONS TO THE PAYING/ACCEPTING/NEGOTIATING BANK

+THIS CREDIT IS AVAILABLE AT SIGHT BASIS, WITH ACCEPT-

ANCE COMM. AND DISCOUNT CHARGES FOR APPLICANT'S AC-

COUNT

+PLS CLAIM REIMBURSEMENT BY FORWARDING BENEFIGIARY'S

TIME DRAFT AND A COPY OF B/L TO THE REIMBURSING BANK

+T/T REIMBURSEMENT NOT ALLOWED

+ALL DOCUMENTS MUST BE FORWARDED IN TWO

CONSECUTIVE LOTS BY INT'L COURIER SERVICE TO THE FOL-

LOWINC ADDRESS: NATIONAL AGRICULTURAL COOPERATIVE

FEDERATION INTERNATIONAL BANKING DEPARTMENT 75, 1-

KA, CHUNGJEDNG-RD, JUNGKU, SEOUL, KOREA

+THIS CREDIT IS SUBJECT TO UCP, ICC PUBLICATIONS NO. 600

(2007 REVISION)

:72: SENDER TO RECEIVER INFORMATION TEST

S70314

WITH HANIL BANK, SEOUL

PLS CONTACT THEM FOR

TESTKEY VERIFICATION

+END OF MESSAGE +

33062 BOCSH A CN

12-MAY-2008 at 16: 56 from EXTEL

根据信用证内容回答下列问题

A．从下列单词中选择适当的词填空，每个词只能用一次。

also bank borrow buy

earn expensive increase keep

loan probably statement still

Where you save your money often depends on what you are saving it for. If you are saving money to 51 a CD or to go to a concert, then 52 you would keep it somewhere in your room.

If you are saving money for something more 53, like a mountain bike or a school trip, where would you save it？

One place to save money is the 54. Putting your money in a savings account will help your money 55 more money. If you put your money in a piggy bank, in a year you’ ll 56 have the same amount of money you put in. However, if you put your money in a savings account, in a year, you’ll have more money than you put in. Why？

When you 57 your money in a bank, your money earns interest. Interest is the amount of money a bank pays you for using your money. The bank uses your money to 58 money to people and businesses.

The bank will send you a statement several times a year. A bank 59 tells you how much money you have in your account. It 60 tells you how much interest you have earned. If you leave your money in the bank, you can watch it grow!

B．根据课文的内容在每个空白处填入一个恰当的词。

In ten minutes I had seen all that could be seen in the fish, and started to look for the professor—who had, however, left. Half an hour 6l—an hour—another hour; the fish began to look disgusting. I turned it 62 and around; looked it in the face—ghastly; from behind, beneath, above, sideways—just 63 ghastly. I 64 not use a magnifying glass, 65 instruments of any kind. Just my two hands, my two eyes, and the fish: it seemed a most limited 66 of study. With a feeling of desperation again I looked at that fish. I pushed my finger down its throat to feel how 67 the teeth were. I began to count the 68 in the different rows, until I was convinced that was nonsense. At last a happy thought struck me—I would 69 the fish; and now with surprise I began to 70 new features in the creature.

51_____