第一篇：金融專業(yè)英語(yǔ)證書(FECT)

金融專業(yè)英語(yǔ)證書（FECT）

第一家國(guó)家級(jí)行業(yè)性英語(yǔ)證書考試，本考試的證書不是入行資格，但可作為在金融部門從事相應(yīng)的涉外業(yè)務(wù)工作、涉外培訓(xùn)、職稱評(píng)定和各類畢業(yè)學(xué)生進(jìn)入金融部門就業(yè)等方面的參考依據(jù)。

懂英語(yǔ)及金融的人才相對(duì)較少，與國(guó)際接軌，逐步會(huì)成為進(jìn)入金融行業(yè)工作的重要參考。考試相關(guān)概況

考試內(nèi)容：針對(duì)不同程度，分為初級(jí)（銀行綜合類）、中級(jí)、高級(jí)（目前尚未開(kāi)考）三種程度，通過(guò)者獲得相應(yīng)級(jí)別的證書。

考試時(shí)間：每年一次，5月到6月間

證書的獲得：初級(jí)按分為A、B、C三類證書。中級(jí)要求應(yīng)試者四年內(nèi)通過(guò)《經(jīng)濟(jì)學(xué)》、《會(huì)計(jì)學(xué)》、《銀行業(yè)務(wù)》、《法律》4科考試及相關(guān)聽(tīng)力。

至今沒(méi)有高級(jí)

通過(guò)率及難度

從1995年開(kāi)始試考至2004年，全國(guó)報(bào)考金融專業(yè)英語(yǔ)證書考試的共有181098人（次），其中122006人（次）報(bào)考初級(jí)（銀行綜合類）考試，23043人取得合格證書，通過(guò)率為18.8%

59092人（次）報(bào)考銀行類中級(jí)考試，8845人（次）取得單科合格證書，通過(guò)率為14.9%，近700人取得中級(jí)合格證書。

中級(jí)含金量較高

備考安排

通過(guò)四六級(jí)考試的，需要三個(gè)月左右。其中一個(gè)月金融專業(yè)的了解和金融知識(shí)儲(chǔ)備，如國(guó)際金融、貨幣銀行學(xué)、國(guó)際經(jīng)濟(jì)、會(huì)計(jì)學(xué)的基本內(nèi)容以及對(duì)相關(guān)法律的基本認(rèn)識(shí)，專業(yè)詞匯的準(zhǔn)備。

中級(jí)在專業(yè)領(lǐng)域的深度和廣度要更大，對(duì)銀行業(yè)務(wù)的實(shí)際操作有一些要求，而大學(xué)生受到的專業(yè)教育跟實(shí)際操作是脫鉤的，接受相關(guān)的培訓(xùn)是有必要的，也是補(bǔ)充這方面欠缺的有效手段。

第二篇：金融專業(yè)英語(yǔ)證書考試FECT判斷練習(xí)25題

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金融專業(yè)英語(yǔ)證書考試FECT判斷練習(xí)25題

26．As a general rule，the shorter the maturity of an asset and the more readily it can be sold，the more liquid is the asset．

A．True

B．False

27．Investors in the capital markets are not subject to any tax on their investments．

A．True

B．False

28．CMO is a security backed by a pool of pass－through rates，structured so that there are several classes of bondholders with varying maturities，called tranches．

A．True

B．False

29．The purpose of the letter of credit is to facilitate trade，typically international trade by substituting the known credit worthiness of a bank for the buyer，which may be unknown or unacceptable to the seller．

A．True

B．False

30．According to the Phillips Curve，the economy cannot be at full employment and stable

A

B．False

31．When total reserves are equal to required reserves，the banking system cannot extend loans anymore．

A．True

B．False

32．A bill of lading that covers the shipment of goods on two separate vessels is known as thorough bill of lading．

A．True

B．False

33．Usually the more liquid asset is less risky．

A．True

B．False

34．Where the bill of exchange is not accompanied by documents，these having been sent to the importer，the transaction is known as a clean collection．

A．True

B．False

35．The velocity of money is the speed with which it can be converted into a liquid asset．

A．True

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B．False

36．Primitive securities yield returns that depend on additional factors pertaining to the prices of other assets，while a derivative security offers returns based only on the status of the issuer．

A．True

B．False

37．A car loan offered by a bank is a derivative security．

A．True

B．False

38．Options give buyers the obligation to buy or sell an asset at a present price over a specific period．

A．True

B．False

39．Futures contracts usually end in the delivery of the underlying commodity．

A．True

B．False

40．The forward exchange rate is the current spot rate adjusted for the interest rate differentials．

A．True

B．False

．e．，．

A．True

B．False

42．Every transaction must produce a debit and credit entry of the same financial amount．

A．True

B．False

43．There are three parties to a life policy in addition to the issuing company： the insurer，the life assured and the beneficiary．

A．True

B．False

44．A guarantee is an agreement that may be evidenced in writing or in oral form．

A．True

B．False

45．An insurable interest is assumed where people take life assurance on their own lives or where the relationship is that of husband and wife．

A．True

B．False

46．Profit does not equal cash and some profitable businesses have failed for want of cash．

A．True

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B．False

47．Bills are negotiated with recourse to customers in the event of nonpayment．

A．True

B．False

48．A firm's gearing is the level of fixed assets as a percentage of total assets．

A．True

B．False

49．A bank must obtain a judgment if it wishes to pursue its legal remedies against a debtor．

A．True

B．False

50．When a country borrows from abroad，its balance of international payments shows an outflow of foreign exchange．

A．True

B．False

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第三篇：金融專業(yè)英語(yǔ)證書考試FECT單選練習(xí)20題-1

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金融專業(yè)英語(yǔ)證書考試FECT單選練習(xí)20題-1

1．Commercial paper ______．

A．is issued mainly by commercial banks

B．can be either short or long－term debt

C．is most typically issued in very short maturities，such as one or two months

D．ought to be considered a capital market instrument

2．The expectations hypothesis assumes that investors regard bonds of different maturities ______．

A．a(chǎn)s perfect substitutes

B．a(chǎn)s not substitutes at all C．a(chǎn)s substitutes，but not perfect substitutes D．none of the above

3．If the yield on Treasury bills falls from 5．27% to 5．22%，then the yield will decrease by ______ basis points．

A．0．05

B．0．5

CD

4．Liquidity of a business is measured by ______．

A．the rate of return on owner equity

B．the ratio of total revenue to total expenses incurred

C．the ratio of current assets to current liabilities

D．the ratio of income to costs

5．Which of the following is an example of an automatic stabilizer? ______．

A．A change in interest rates

B．An increase in government spending

C．Lowering income taxes

D．Unemployment insurance

6．Which of the following definitions fits depreciation? ______．

A．Allocation of the asset's market value to expense over its useful life

B．Allocation of the asset's cost to expense over its useful life

C．Decreases in the asset's market value over its useful life

D．Increases in the fund set aside to replace the asset when it is worn out

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7．In the balance of payments accounts，______ are unilateral transfers．

A．direct investments in another nation's businesses

B．international transactions in securities with maturities greater than one year

C．international transactions of securities with maturities of less than one year

D．gifts and grants

8．A self－employed person who wishes to make provisions for retirement and reduce current tax liabilities should invest in ______．

A．a(chǎn) money market mutual fund

B．a(chǎn) time deposit

C．Keogh Plan

D．a(chǎn) money market deposit account

9．The central problem in economics is that of______．

A．comparing the success of command versus market economies

B．guaranteeing that production occurs in the most efficient manner

C．guaranteeing a minimum level of income for every citizen

D．a(chǎn)llocating scarce resources in such a manner that society's unlimited needs or wants are satisfied as well as possible

10．A．Coupon rate

B．Yield to maturity

C．Current yield

D．Discount yield

11．Which of the following is a determinant of asset demand? ______．

A．Expected return

B．Risk

C．Liquidity

D．All of the above

12．Which of the following items are reported as a current liability on the balance sheet? ____．

A．Short－term notes payable

B．Accrued payroll taxes

C．Estimated warranties

D．All of the above

13．Which of the following is not true of fiscal policy? ______．

A．Time lags occur with fiscal policy．

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B．Automatic stabilizers help the economy．

C．“Crowding out” is not a problem of fiscal policy．

D．None of the above．

14．What distinguishes the mortgage markets from other capital markets? ______．

A．Securities in the mortgage markets are collateralized by real estate

B．The mortgage markets usually involve long－term funds

C．Borrowers in the mortgage markets include individuals and businesses

D．All of the above

15．The process of closing the business，selling the assets，paying the liabilities，and disbursing remaining cash to the owners is called ______．

A．withdrawal

B．liquidation

C．a(chǎn)cquisition

D．dissolution

16．When an investor is buying stock as an investment，the value of most direct concern is ______．

ABC．market value

D．book value

17．Autonomous transactions are ______．

A．transactions undertaken by governments to enforce a price（exchange rate）in the foreign exchange market

B．transactions that are not undertaken in the pursuit of commercial profit

C．transactions undertaken for normal commercial motives

D．none of the above

18．If taxes decrease，which of the following correctly describes the effects? Disposable income______ consumption ______，and savings ．

A．increases．．．decreases．．．decreases

B．increases．．．increases．．．increases

C．decreases．．．increases．．．increases

D．decreases．．．decreases．．．decreases

19．A successful company's major source of cash should be ______．

A．operating activities

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B．financing activities

C．investing activities

D．a(chǎn) combination of the above

20．The price index in 2002 was 160，and in 2003 the price index was 168．What was the inflation rate? ______．

A．68%

B．8%

C．5%

D．indeterminable without knowing the base year

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第四篇：金融專業(yè)英語(yǔ)證書考試制度

金融專業(yè)英語(yǔ)證書考試制度（Financial English Certificate Test,簡(jiǎn)稱FECT）, 金融英語(yǔ)證書考試（FECT）共設(shè)兩級(jí)，分別為FECT綜合考試和FECT高級(jí)考試。FECT考試每年舉辦一次，考試成績(jī)可用作金融系統(tǒng)員工錄用、職稱評(píng)定、職務(wù)晉升及出國(guó)培訓(xùn)人員或外派人員專業(yè)英語(yǔ)水平的參考證明。

金融英語(yǔ)證書考試（FECT）共設(shè)兩級(jí)，分別為FECT綜合考試和FECT高級(jí)考試。FECT考試每年舉辦一次，考試成績(jī)可用作金融系統(tǒng)員工錄用、職稱評(píng)定、職務(wù)晉升及出國(guó)培訓(xùn)人員或外派人員專業(yè)英語(yǔ)水平的參考證明。金融英語(yǔ)證書考試（FECT）共設(shè)兩級(jí)，分別為FECT綜合考試和FECT高級(jí)考試。FECT考試每年舉辦一次，考試成績(jī)可用作金融系統(tǒng)員工錄用、職稱評(píng)定、職務(wù)晉升及出國(guó)培訓(xùn)人員或外派人員專業(yè)英語(yǔ)水平的參考證明。

一、金融英語(yǔ)證書考試（FECT）綜合考試

金融英語(yǔ)證書考試（FECT）共設(shè)兩級(jí)，分別為FECT綜合考試和FECT高級(jí)考試。FECT考試每年舉辦一次，考試成績(jī)可用作金融系統(tǒng)員工錄用、職稱評(píng)定、職務(wù)晉升及出國(guó)培訓(xùn)人員或外派人員專業(yè)英語(yǔ)水平的參考證明。

二、金融英語(yǔ)證書考試（FECT）高級(jí)考試

金融英語(yǔ)證書考試（FECT）高級(jí)考試主要面向金融系統(tǒng)業(yè)務(wù)及管理崗位人員、大專院校學(xué)生及其他有志于從事金融事業(yè)的人員。獲FECT綜合考試證書的考生方可參加FECT高級(jí)考試。FECT高級(jí)考試主要內(nèi)容為現(xiàn)代金融理論及實(shí)務(wù)操作、現(xiàn)代銀行業(yè)務(wù)和管理、現(xiàn)代證券和保險(xiǎn)業(yè)務(wù)以及專業(yè)口語(yǔ)等。FECT高級(jí)考試包括筆試和專業(yè)口語(yǔ)考試兩部分，筆試科目?jī)砷T（必考一門、專業(yè)選考一門），不含聽(tīng)力。必考科目為《現(xiàn)代金融理論與實(shí)務(wù)》；專業(yè)選考科目為《銀行業(yè)務(wù)與管理》、《保險(xiǎn)與證券業(yè)務(wù)》，兩科任選一科。高級(jí)考試必考科目、選考科目及專業(yè)口語(yǔ)考試可同時(shí)報(bào)考，單科成績(jī)合格者獲得單科合格證書，單科成績(jī)六年有效。必考科目、選考科目及專業(yè)口語(yǔ)考試三科考試成績(jī)?nèi)亢细裾呔@FECT高級(jí)證書。

第五篇：金融專業(yè)英語(yǔ)證書考試常用詞匯

金融專業(yè)英語(yǔ)證書考試常用金融詞匯總結(jié)

account number 帳目編號(hào)depositor 存戶

pay-in slip 存款單

a deposit form 存款單

a banding machine 自動(dòng)存取機(jī)

to deposit 存款

deposit receipt 存款收據(jù)

private deposits 私人存款

certificate of deposit 存單

deposit book, passbook 存折

credit card 信用卡

principal 本金

overdraft, overdraw 透支

to counter sign 雙簽

to endorse 背書

endorser 背書人

to cash 兌現(xiàn)

to honor a cheque 兌付

to dishonor a cheque 拒付

to suspend payment 止付

cheque,check 支票

cheque book 支票本

order cheque 記名支票

bearer cheque 不記名支票

crossed cheque 橫線支票

blank cheque 空白支票

rubber cheque 空頭支票

cheque stub, counterfoil 票根

cash cheque 現(xiàn)金支票

travelers cheque 旅行支票

cheque for transfer 轉(zhuǎn)帳支票

outstanding cheque 未付支票

canceled cheque 已付支票

forged cheque 偽支票

Bandar s note 莊票，銀票

balance sheet 資產(chǎn)負(fù)債表

cash flow 現(xiàn)金流轉(zhuǎn)

glossary 術(shù)語(yǔ)表

money order 匯款單，匯票

letter of credit n.[商](銀行發(fā)行的)信用證charge for 想...收費(fèi)

overdraft n.透支, 透支之款項(xiàng)

endorse v.在(票據(jù))背面簽名, 簽注(文件), 認(rèn)可, 簽署

liability n.責(zé)任, 義務(wù), 傾向, 債務(wù), [負(fù)債], 與assets相對(duì)asset n.[資產(chǎn)], 有用的東西

solvent adj.有償付能力的 n.溶媒, 溶劑, 解決方法securities n.有價(jià)證券

time hull insurance 船舶定期保險(xiǎn)

marine insurance 海損保險(xiǎn)

maritime transportation insurance 海洋運(yùn)輸保險(xiǎn)

fire insurance 火險(xiǎn)

cargo insurance 貨物保險(xiǎn)