A derivative is a security which "derives" its value from another underlying (61) instrument, index, or other investment. Derivatives are available based on the performance of stocks, interest rates, currency exchange rates, as well as (62) contracts and various indexes. Derivatives give the buyer greater leverage for a (63) cost than purchasing the actual underlying instrument to achieve the same position. For this reason, when used properly, they can serve to "hedge" a (64) of securities against losses. However, because derivatives have a date of (65) , the level of risk is greatly increased in relation to their term. One of the simplest forms of a derivative is a stock option. A stock option gives the holder the right to buy or sell the underlying stock at a fixed price for a specified period of time.(46)A．bankB．financialC．mathematicD．securities

考题 Project cash reserves are often used for adjustment in escalation factors which may be beyond the control of the project manager. Other than possibly financing (interest) costs and taxes, the three most common escalation factors involve changes in:A . Overhead rates, labor rates and material costs.B . Overhead rates, schedule slippages, and rework.C . Rework, cost-of-living adjustments, and overtime.D . Material costs, shipping cost, and scope changes.E . Labor rates, material costs, and cost reporting.

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考题 144 Project cash reserves are often used for adjustment in escalation factors which may be beyond the control of the project manager. Other than possibly financing (interest) costs and taxes, the three most common escalation factors involve changes in:A. Overhead rates, labor rates and material costs.B. Overhead rates, schedule slippages, and rework.C. Rework, cost-of-living adjustments, and overtime.D. Material costs, shipping cost, and scope changes.E. Labor rates, material costs, and cost reporting

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考题单句理解听力原文：The interest rates on these small deposits are usually floating rates, and they are usually 2%- 5% below the bank's current base rates.(1)A．Bank's current base rates are higher than those on small deposits.B．Bank's current base rates are lower than those on small deposits.C．Bank's current base rates are not floating rates.D．Bank's current base rates are usually floating rates.

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考题 Foreign exchange markets are electronic communication systems that (56) major financial centers throughout the world. Exchange rates are determined (57) supply and demand relationships, relative interest rate levels, relative (58) of inflation, political risk, and economic risk. Alternatives (59) affecting settlement of purchase and sales claims were explored (60) with the instruments available to exporters and importers for financing their international activities.(41)A．focusB．liaisonC．connectD．associate

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考题对话理解听力原文：M: Can I open a foreign currency account and convert my money into a currency which offers the highest interest?W: Yes, we can arrange that for you, but foreign currency exchange rates are subject to fluctuation and sometimes you will suffer losses.Q: What does the woman mean?(11)A．Interest rate of a foreign currency is much higher.B．There are risks of losing money sometimes to open a foreign currency account.C．Foreign currencies exchange rates are relatively stable.D．It is advisable to open a foreign currency account.

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考题 Referential theory holds that a linguistic sign derives its meaning from that which refers to something in the reality.()

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考题 The term foreign exchange is best defined by the following statement: it is ______.A．the rate of exchange between two currenciesB．synonymous with currency exchangeC．the place in which foreign currencies are exchangedD．an instrument such as paper currency, note, and check used to make payments between countries

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考题单句理解听力原文：These time deposits earn higher interest rates, which may be fixed or floating, but no withdrawals are allowed until the term has ended.(1)A．Sometimes the interest rates on time deposits are not fixed.B．People can draw these deposits at any time.C．The interest rates on time deposits are fixed.D．The interest rates on time deposits are floating.

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考题根据文章内容进行判断，正确写“T”错误写“F”。Beads, stones, seashells, paper, precious metals such as gold and silver, base metals such as iron have all been used as money. Today, money is printed on paper. A lot of countries use their own currency, with names such as dollar, pound, franc, ruble, Yuan and so on. Since 2002, 18 of the EU members have replaced their national currencies by Euro notes and coins.If you want to pay for something in another currency, you have to change your money into the other money. If you want to travel outside your native country,you need to change your own countrys money for the money of the country you are visiting. Most large banks sell foreign currencies. You can exchange money at a bank or at an office of a tourist agency.Wherever you go, exchanging money puts you in touch with international finance, which is concerned with exchange rates between different currencies. Deciding the rate for the international exchange of money is one of the most complex aspects of international banking.()26. This best title for this passage is “The history of money”()27. Euro is available in all EU member countries.()28. Foreign exchange rates have significant impact on the economy of a country.()29. Currency means money in the form. of paper.()30. Banks are a good option to get your money exchanged.

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考题 In the foreign exchange market, which is made up of banks' traders and brokers, prices (61) every minute (62) to supply and demand. For safety's sake, a branch will get a rate from their traders for a big transaction. Therefore the traders give their branches lists of exchange rates (63) they may buy and sell notes and payments in the main currencies.Whenever a bank in Britain makes a payment in foreign currency, or makes a payment in sterling to a non-resident, the payment has first to (64) under British exchange control regulations. The bank itself can usually authorize the payment after seeing a document such as an invoice to show that the payment is due; but cases (65) borrowing and lending have to be referred to the Bank of England.(46)A．alterB．varyC．turnD．convert

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考题 When the stock market turns down, holders of common stocks traditionally begin to move some portion of their (61) out of stocks and into (62) to protect themselves against further declines in the market, PI programs attempt to hedge against the possibility of a market decline by (63) stock index futures contracts or stock index options (buying stock index put options). The more the market falls, the more futures and options contracts are sold by PI programs. If the market continues to fall, the rise in the value of the portfolio' futures and option positions cushions the decline in the value of the portfolio' common stocks. PI managers believe that such hedging programs using futures and options involve lower transaction costs and provide greater (64) than the traditional method of actually selling stocks and buying treasury (65)(46)A．treasureB．assetsC．investmentD．capital

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考题 The bank (56) borrowers enough interest to pay the expense of the bank and have something left over for (57) . The interest cannot be higher than the legal rate, which is established by state law and in most states is 6% per year. (58) big loans, the interest rate is much less, even as low as 2%. The rate depends on the money market, when there is plenty of money (59) to be borrowed, banks charge low rates of interest. A savings bank may pay its depositors 2% and lend the money at 3.5% or 4%. But when money is tight, interest rates go up, and a savings bank may try to (60) depositors by offering 4% or 4.5% or even more and lending the money at 5% or 6%.(41)A．receivesB．getsC．chargesD．pays

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考题 The most encouraging fact about the US economy is that_____ .［A］employment rates have risen faster than expected［B］the Federal Reserve will raise interest rates soon［C］industrial production is reaching its lowest point［D］some economic sectors have become leading industries

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考题 High interest rates discourage people（）borrowing money. from

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考题资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs. Maturity Period: Flexible to your needs You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date. Minimum Amount: Easy to Start The minimum amount accepted is USD 2000 Other Features: 1.FDIC Insurance Up to $100,000 2.Facility to Open Joint & Corporate Accounts Additional Deposits: Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits. Early Withdrawal: Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal. According to the passage, which of the following is NOT true about Star CD? （）A.The minimum amount to invest is USD 2000. B.You may choose any maturity date as you wish. C.The rates on certificate of deposits may vary day to day. D.Separate certificates of deposits will be issued for additional deposits.

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考题资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs. Maturity Period: Flexible to your needs You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date. Minimum Amount: Easy to Start The minimum amount accepted is USD 2000 Other Features: 1.FDIC Insurance Up to $100,000 2.Facility to Open Joint & Corporate Accounts Additional Deposits: Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits. Early Withdrawal: Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal. The CD’s annual percentage yield is （） annual interest rate.A.more than B.less than C.the same as D.not comparable with

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考题资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs. Maturity Period: Flexible to your needs You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date. Minimum Amount: Easy to Start The minimum amount accepted is USD 2000 Other Features: 1.FDIC Insurance Up to $100,000 2.Facility to Open Joint & Corporate Accounts Additional Deposits: Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits. Early Withdrawal: Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal. Bank of India CDs are safe because （）A.CD is a safe instrument. B.Bank of India is safe. C.CD is insured D.All of the above

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考题 Beads， stones， seashells， paper， precious metals such as gold and silver， base metals such as iron have all been used as money. Today， money is printed on paper. A lot of countries use their own currency， with n ames such as dollar， pound， franc， ruble， yuan and so on. Since 2002， 18 of the EU members have replaced their national currencies by Euro notes and coins. If you want to pay for something in another currency, you have to change your money into the other money. If you want to travel outside your native country, you need to change your own country's money for the money of the country you are visiting. Most large banks sell foreign currencies. You can exchange money at a bank or at an office of a tourist agency Wherever you go, exchanging money puts you in touch with international finance, which is concerned with exchange rates between different currencies. Deciding the rate for the international exchange of money is one of the most complex aspects of international banking. Currency means money in the form of paper.A对B错

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考题 Beads， stones， seashells， paper， precious metals such as gold and silver， base metals such as iron have all been used as money. Today， money is printed on paper. A lot of countries use their own currency， with n ames such as dollar， pound， franc， ruble， yuan and so on. Since 2002， 18 of the EU members have replaced their national currencies by Euro notes and coins. If you want to pay for something in another currency, you have to change your money into the other money. If you want to travel outside your native country, you need to change your own country's money for the money of the country you are visiting. Most large banks sell foreign currencies. You can exchange money at a bank or at an office of a tourist agency Wherever you go, exchanging money puts you in touch with international finance, which is concerned with exchange rates between different currencies. Deciding the rate for the international exchange of money is one of the most complex aspects of international banking. Foreign exchange rates have significant impact on the economy of a country.

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考题 Beads， stones， seashells， paper， precious metals such as gold and silver， base metals such as iron have all been used as money. Today， money is printed on paper. A lot of countries use their own currency， with n ames such as dollar， pound， franc， ruble， yuan and so on. Since 2002， 18 of the EU members have replaced their national currencies by Euro notes and coins. If you want to pay for something in another currency, you have to change your money into the other money. If you want to travel outside your native country, you need to change your own country's money for the money of the country you are visiting. Most large banks sell foreign currencies. You can exchange money at a bank or at an office of a tourist agency Wherever you go, exchanging money puts you in touch with international finance, which is concerned with exchange rates between different currencies. Deciding the rate for the international exchange of money is one of the most complex aspects of international banking. Euro is available in all EU member countries.

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考题 Beads， stones， seashells， paper， precious metals such as gold and silver， base metals such as iron have all been used as money. Today， money is printed on paper. A lot of countries use their own currency， with n ames such as dollar， pound， franc， ruble， yuan and so on. Since 2002， 18 of the EU members have replaced their national currencies by Euro notes and coins. If you want to pay for something in another currency, you have to change your money into the other money. If you want to travel outside your native country, you need to change your own country's money for the money of the country you are visiting. Most large banks sell foreign currencies. You can exchange money at a bank or at an office of a tourist agency Wherever you go, exchanging money puts you in touch with international finance, which is concerned with exchange rates between different currencies. Deciding the rate for the international exchange of money is one of the most complex aspects of international banking. Currency means money in the form of paper.

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考题 Which two statements are true regarding B-tree index（）A、The leaf blocks in the index are doubly linked.B、The leaf node stores a bitmap for each key value.C、The rows with NULL value in key columns also have entries in the index.D、The deletion of a row from the table causes a logical deletion in index leaf block and the space becomes available for the new leaf entry.

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考题单选题PaymentAdvertising rates are specified in the Rate Card. Rates are quoted exclusive of Value Added Tax and any other applicable sales taxes.A Value Added Tax is included in sales taxes.B Sales taxes are included in the rates.C No taxes are included in the rates.

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考题多选题Which two statements are true regarding B-tree index（）AThe leaf blocks in the index are doubly linked.BThe leaf node stores a bitmap for each key value.CThe rows with NULL value in key columns also have entries in the index.DThe deletion of a row from the table causes a logical deletion in index leaf block and the space becomes available for the new leaf entry.

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考题判断题The exchange rates are hard to establish sometimes because more than two countries usually trade with one another.A 对B 错

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考题判断题Beads， stones， seashells， paper， precious metals such as gold and silver， base metals such as iron have all been used as money. Today， money is printed on paper. A lot of countries use their own currency， with n ames such as dollar， pound， franc， ruble， yuan and so on. Since 2002， 18 of the EU members have replaced their national currencies by Euro notes and coins. If you want to pay for something in another currency, you have to change your money into the other money. If you want to travel outside your native country, you need to change your own country's money for the money of the country you are visiting. Most large banks sell foreign currencies. You can exchange money at a bank or at an office of a tourist agency Wherever you go, exchanging money puts you in touch with international finance, which is concerned with exchange rates between different currencies. Deciding the rate for the international exchange of money is one of the most complex aspects of international banking. Euro is available in all EU member countries.A 对B 错

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考题单选题Which of the following is NOT a possible cause of the housing crash?A A prolonged economic recession.B A rise in interest rates.C A fall in interest rates.D A decline in the demand of housing.

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