http://www.businessenglishsite.com/finance-english-test2.

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QUESTIONS:
(Choose the best response for each one)
1. The global central banks want to keep interest rates at ___________ ( unnaturall!) low le"els.
artificiall! impro"e# seemingl!
2. This is not going to en# soon. This is not going to en# in the ___________________.
short term short cut long term
$. %ometimes go"ernment ___________________ is necessar!. %ometimes the go"ernment has to
get in"ol"e#.
introspection in"ention inter"ention
&. The numbers ga"e us important ___________________ on wh! the banks faile#. The numbers
helpe# us to better un#erstan# wh! the banks faile#.
insi#ers insights instincts
'. The markets ___________________ ( reache#) a three !ear low !ester#a!.
halte# haile# hit
(. )e was ___________________ as ( consi#ere#* seen as) the sa"ior of +all %teet.
haile# halte# hit
,. 1- months in a row 1- _______________ months
consecuti"e #isclose# constraine#
-. at an ___________________ low at the lowest le"el in histor!
allocate# altogether all-time
.. This was suppose# to ___________________ ( create) confi#ence in the bon# markets.
make buil# place
1/. to ___________________ hea#lines to appear in hea#lines (of newspapers* maga0ines* etc.)
collect garner allocate
11. There is an ___________________ insi#er tra#ing in"estigation. 1n insi#er tra#ing
in"estigation is still happening.
ongoing
short-term
unilateral
2. This t!pe of cre#it frau# is not t!pical. This t!pe of cre#it frau# is not ___________________.
norm
the norm
a norm
$. +hen an institution is 2un#er go"ernment ___________________2* it means that the go"ernment
is either in"estigating it* or pa!ing close attention to it.
scrutin!
sacrifice
protection
&. 3f someone is 2i#emnifie#2 against legal e4penses* he/she ___________________ these e4penses.
has to pa!
#oesn5t ha"e to pa!
has to transfer the pa!ment of
'. to protect customers from legal costs to ___________________ customers from legal costs
cap
slap
shiel#
(. This accounting firm has a goo# ___________________. ( the! ha"e a goo# reputation/histor!)
track
recor#ing
track recor#
,. there are more pluses than minuses the pluses _______________ the minuses
outweigh
outperform
outlast
-. )er assets ___________________ at 62$ million in 2/11. The most her assets were e"er worth
was 62$ million in 2/11.
picke#
peake#
packe#
.. This was suppose# to ___________________ ( create) confi#ence in the bon# markets.
make
place
buil#
1/. to bear the financial ___________________ to be accountable financiall!
bur#en
account
placement
1. 7ne billion shares ___________________ han#s. 7ne billion shares were tra#e#.
e4amine#
e4change#
e4ite#
2. These stocks accounte# for the ___________________ ( for most) of the tra#ing "olume.
gross
summar!
bulk
$. %ophisticate# in"estors are ___________________ ( are not getting in"ol"e# with) these t!pes
of assets.
walking out of
sh!ing awa! from
sta!ing out
&. The opposite of a stea#! market is a ___________________ market.
"olatile
"aluable
"iolate#
'. a ___________________ recession a recession that might happen
potential
"olatile
fiscal
(. 1 ___________________ bu#get is one that #oesn5t ha"e a lot of mone!.
potential
bulk
cash-strappe#
,. These _______________ measures will hopefull! impro"e the econom!.
stimulus
stamina
steam
-. The econom! is ___________________. The econom! is impro"ing.
back on track
"olatile
cash-strappe#
.. +hen a compan! 2misses a ___________________2* it means that it #i#n5t make as much mone!
as it thought it woul#.
warning
forecast
statement
1/. 1 compan! that is 2___________________ a beating2 is #oing "er! poorl!* financiall! speaking.
making
placing
taking
1. 35# like to _________________ an account.
open
start
commence
2. 8ou #on5t ha"e an! _________________ ( mone!) in !our account.
fun#s
fun
fun#ing
$. The bank _________________ m! husban#5s cre#it car# because he #i#n5t pa! his cre#it car#
bills.
renege#
retracte#
cancelle#
&. 1 #ocument which shows all !our with#rawals an# #eposits (usuall! for one month) is calle# a
2bank __________________2
stapler
statement
bill
'. +hat5s another wa! to sa! 2to with#raw29
to make out
to stake out
to take out
(. 35# like to _________________ some mone! to m! other account.
transfer
change
switch
,. 1 cashier5s check is a check that5s _________________ b! a bank.
guarantee#
guarantee
warrantee
-. 1nother wa! to sa! 2#ebit car#2 is _________________.
cre#it car#
plastic car#
bank car#
.. 3s there _________________ aroun# here somewhere9 ( a cash machine)
an electronic machine
an 1T:
a mone! machine
1/. 3f !ou5"e lost !our bank car# !ou can _________________ for a new one.
repl!
appl!/reappl!
fill
1. 8our _________________ rate #etermines the repa!ments !ou make on the mone! !ou borrow
from a bank.
interest
internal
repa!ment
2. The mone! !ou borrow from a bank is calle# a _________________.
loaner
loan
lone
$. 3 ha"e to _________________ another loan.
take out
go for
take in
&. 3f !ou5# like to bu! a house* !ou will probabl! ha"e to take out a _________________.
statement
mortgage
marriage
'. 1 _________________ mortgage ensures that !our interest rate will not change.
"ariable rate
fi4e# le"el
fi4e# rate
(. 8our home ma! be _________________ if !ou #on5t keep up repa!ments on !our mortgage.
retaken
repositione#
repossesse#
,. ;suall! banks ha"e two t!pes of personal accounts - checking an# _________________.
sa"ings
sa"e
sa"er
-. 8ou can _________________ pa!ing account fees if !ou keep a minimum #ail! balance of 61///
on !our account.
access
a"oi#
a"ert
.. +hat5s the _________________ on m! account9 3t5s 6&'/. ( there5s 6&'/ in !our account)
bail
mone!
balance
1/. ;suall!* higher balances earn higher _________________ .
rates
cash
le"els
1. This account offers eas! access* no minimum balance an# no monthl! _________________.
ser"er fee
ser"ice fee
ser"e-me-fee
2. 1 high-!iel# account 2!iel#s2 ( pa!s) more _________________ than a normal account.
interesting
interim
interest
$. 3f !our check 2_________________2* there was probabl! not enough mone! in !our account to
co"er it.
bin#s
bounces
burns
&. :an! banks currentl! offer their customers the opportunit! to #o their banking
_________________. ( o"er the internet)
online
inline
web
'. 1 person5s cre#it _________________ is a formal e"aluation of his/her loan-repa!ment histor! or
potential.
rating
le"el
rate
(. 3nformall!* ha"ing a low cre#it-rating is referre# to as ha"ing 2 _________________2.
goo# cre#it
insufficient fun#s
ba# cre#it
,. 1 bank will not gi"e !ou a loan unless !ou pro"i#e some kin# of ____________________. (
something of "alue as a guarantee of repa!ment)
collateral
collocation
promise
-. 3f !our bank account goes into 2o"er#raft2* it means ____________________.
!ou owe the bank mone!
the bank owes !ou mone!
!our balance is /
.. 1 ____________________ loan is a loan backe# up with collateral.
securit!
secure#
secular
1/. ____________________ a mortgage or other t!pe of loan can lower the monthl! pa!ments owe#
on the loan.
<eworking
<e#oing
<efinancing
1. 35m sorr!* :r. =a"is* but !our check hasn5t ____________________ ( gone through) !et.
cleare#
transferre#
claime#
2. =o !ou ha"e an! ____________________ #ebts9 ( #ebts that !ou ha"e not pai# off)
e4cellent
outstan#ing
outsourcing
$. 8ou5ll ha"e to ____________________ these forms. 7nce !ou #o that* 35ll gi"e them to our bank
manager for appro"al.
fill
filter
fill out
&. +e5ll ____________________ !our lost car#. >o problem.
replace
re#o
remake
'. To ____________________ mone! to someone5s account means to transfer mone! into someone5s
account.
wa"e
wai"e
wire
(. +e ha"e to reset !our ____________________ number. ( the secret co#e for !our bank/1T:
car#)
pine
?3>
secret
,. 3 keep half of m! sa"ings in an account* an# the other half in a ____________________ bo4 at m!
bank.
safe-#eposit bo4
safe-keeping bo4
safet! bo4
-. 1 mone! market account is a combination checking an# sa"ings account* one in which !our bank
____________________ !our #eposite# mone! for !ou.
in"estigates
in"ests
interests
.. @ankrate.com is a goo# place to check which banks an# cre#it unions ____________________ for
"arious accounts.
offer the goo# #eals
offer the best #eals
pro"i#e !ou with best #eals
1/. Aach account has #ifferent ____________________ ( characteristics). 8ou shoul# #eci#e
which ____________________ are most important for !ou.
Bualities
figures
features
1. 1sset ___________________ in"ol"es #i"i#ing an in"estment portfolio among #ifferent asset
categories* such as stocks* bon#s* an# cash.
allocation
collocation
information
2. 3n banking terms* someone5s portfolio is a collection of their ___________________.
in"estments
in"estors
graphic #esign proCects
$. ___________________ in"estor is more likel! to risk losing mone! in or#er to get better results.
1 passi"e
1 timi#
1n aggressi"e
&. +hat5s the opposite of an aggressi"e in"estor9
1 concerne# in"estor
1 conser"ati"e in"estor
1 cornere# in"estor
'. ___________________ the stock market can be risk!* but it often !iel#s higher returns than other
in"estments.
=oing
+orking
?la!ing
(. ?roponents of #i"ersification belie"e that !ou shoul#n5t put all !our eggs ___________________.
in one basket
in one bag
in one backpack
,. 1 mutual fun# is a form of ___________________ in"estment that pools mone! from man!
in"estors an# in"ests their mone! in stocks* bon#s* an# other securities etc.
collecti"e
collecte#
collate#
-. 1 commo#it! is something that is relati"el! easil! ____________________. (eg. cru#e oil* sugar*
gol#* etc.)
traine#
trace#
tra#e#
.. +hene"er 3 __________________ ( notice) a tren#* 3 let m! clients know about it.
"iew
spot
sport
1/. +hat are the __________________ risks associate# with this approach9
mone!-losing
financial
financier
1. Dast Eul!5s crisis sent financial markets into a ___________________. ( the! went #own
consi#erabl!)
tailspin
conun#rum
crisis
2. Eohn 1. Thain is often cre#ite# with ___________________ the >ew 8ork %tock A4change.
re"itali0ing
refurbishing
reno"ating
$. )e reall! turne# this business ___________________ )e reall! ma#e a big #ifference/
impro"ement.
anew
along
aroun#
&. The new #irection ___________________ among in"estors. ( ma#e in"estors "er! ner"ous)
ner"e# up
fuele# an4iet!
ma#e an4ious
'. 1 !ear after he arri"e#* he ___________________ a #eal to merge with a ri"al bank.
e4presse#
e4perience#
e4ecute#
(. )e took a ___________________ ( agree# to earn less mone!) to work here.
pa! cut
salar! increase
pa!back
,. 3n finance* a 2write#own2 refers to the process of re#ucing the book "alue of an asset because it is
___________________ ( worth too much) compare# to the market "alue.
o"er"alue#
un#er"alue#
"alue#
-. That bank #i# better than was e4pecte# last !ear because it took risks that it #i#n5t full!
___________________ ( let people know about).
#iscuss
close
#isclose
.. @anks usuall! ___________________ higher rates on long-term loans.
in charge
charge
pro"i#e
1/. Freat newsG 7ur bank is now ___________________ higher rates on certain sa"ings an#
checking accounts.
charging
offering
practicing