浙江財經(jīng)大學(xué)《大學(xué)英語》2024-----2025學(xué)年期末試卷（A卷）專業(yè)

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題號一二三四五六七八九十成績復(fù)核簽字得分登分簽字說明：本試卷共100分；答題要求：按要求答題考生須知:1.姓名、學(xué)號、系、專業(yè)、年級、班級必須寫在密封線內(nèi)指定位置。2.答案必須用藍、黑色鋼筆或圓珠筆寫在試卷上，字跡要清晰，卷面要整潔，寫在草稿紙上的一律無效。一、聽力理解（共20題，每題1.5分，滿分30分）SectionA短對話（共5題）聽下面5段短對話，每段對話后有一個小題，從A、B、C三個選項中選出最佳答案。聽完每段對話后，你將有10秒鐘的時間回答有關(guān)小題和閱讀下一小題。每段對話僅讀一遍。Whatisthemanaskingabout?A.ThedeadlinefortaxdeclarationB.TheinterestrateoftheloanC.TheprocedureofopeningabankaccountWhydidthewomanrefusethebusinessproposal?A.TheinvestmentriskistoohighB.TheprofitmarginistoolowC.ThedeliverytimeistoolongWhatwillthetwospeakersdiscussnext?A.TheannualfinancialreportB.ThemarketingstrategyfornewproductsC.TherecruitmentplanforthefinancedepartmentHowdoesthemanprefertopay?A.BycreditcardB.BycashC.BymobilepaymentWhatistheproblemwiththeinvoice?A.TheamountisincorrectB.ThecompanynameismisspelledC.ThedateisexpiredSectionB長對話（共5題）聽下面2段長對話，每段對話后有2-3個小題，從A、B、C三個選項中選出最佳答案。聽完每段對話前，你將有時間閱讀相關(guān)小題，每小題5秒鐘；聽完后，各小題將給出5秒鐘的作答時間。每段對話讀兩遍。Conversation1Whatisthewomansjobtitle?A.FinancialAnalystB.HumanResourcesManagerC.SalesDirectorWhatdoesthewomansuggestthemandotoimprovehisbudgetplan?A.CutdowntheadministrativeexpensesB.IncreasetheinvestmentinR&DC.AdjustthequarterlyrevenueforecastConversation2Whydoesthemancontactthewoman?A.ToconfirmthemeetingagendaB.ToaskforfinancialdataC.ToreportthesalesperformanceWhenwillthewomansendtherequireddocuments?A.ThisafternoonB.TomorrowmorningC.BytheendofthisweekWhatformatdoesthemanpreferforthedata?A.ExcelspreadsheetB.PDFfileC.WorddocumentSectionC短文理解（共10題）聽下面2篇短文，每篇短文后有5個小題，從A、B、C三個選項中選出最佳答案。聽完每篇短文前，你將有時間閱讀相關(guān)小題，每小題5秒鐘；聽完后，各小題將給出5秒鐘的作答時間。每篇短文讀兩遍。Passage1Whatisthemaintopicofthepassage?A.ThedevelopmentofdigitalcurrencyB.TheimpactofinflationondailylifeC.ThehistoryofinternationaltradeWhatadvantagedoesdigitalcurrencyhaveaccordingtothepassage?A.LowertransactioncostsB.HigherinterestratesC.StrongerprivacyprotectionWhichcountryfirstlaunchedthecentralbankdigitalcurrency?A.TheUnitedStatesB.ChinaC.JapanWhatchallengeismentionedaboutdigitalcurrency?A.TechnicalinstabilityB.LackofregulatorypoliciesC.LowpublicacceptanceWhatwillthefutureresearchfocuson?A.ImprovingtransactionspeedB.EnhancingsecuritysystemsC.ExpandingapplicationscenariosPassage2Whatisthepurposeofthecorporatesocialresponsibilityreport?A.ToattractmoreinvestorsB.TomeetregulatoryrequirementsC.TodemonstratesocialcontributionHowmuchdidthecompanydonatetopovertyalleviationlastyear?A.5millionyuanB.8millionyuanC.10millionyuanWhatenvironmentalmeasuredidthecompanytake?A.Reducingcarbonemissionsby20%B.Using100%renewableenergyC.Recycling80%ofwastematerialsWhatawarddidthecompanyreceive?A.NationalGreenEnterpriseAwardB.ExcellentCorporateCitizenAwardC.InnovationinFinanceAwardWhenwillthenextreportbereleased?A.InMarchnextyearB.InJunenextyearC.InSeptembernextyear二、閱讀理解（共15題，每題2分，滿分30分）SectionA選詞填空（共5題）閱讀下面短文，從短文后所給的A-F六個選項中選出能填入空白處的最佳選項。有一項為多余選項。Corporatefinancialmanagementinvolvesplanning,organizing,directingandcontrollingthefinancialactivitiesofanenterprise.Itfocuseson21_______theoptimaluseoffinancialresourcestoachievebusinessgoals.Oneofthekeytasksiscapitalbudgeting,whichinvolvesevaluatingpotentialinvestmentsanddecidingwhichprojectstopursue.Thisprocessrequiresanalyzing22_______suchascashflows,riskandreturnoninvestment.Anotherimportantaspectisworkingcapitalmanagement,whichensuresthatthecompanyhasenoughshort-termassetstocover23_______liabilities.Thisincludesmanaginginventory,accountsreceivableandaccountspayable.Effectiveworkingcapitalmanagementcanimprovethecompanysliquidityand24_______operationalefficiency.Financialriskmanagementisalsocrucial,asithelpsthecompanyidentifyandmitigaterisksrelatedtomarketfluctuations,creditandliquidity.Byimplementingriskmanagementstrategies,companiescanprotecttheirfinancialstabilityand25_______sustainablegrowth.A.short-termB.promotingC.factorsD.ensureE.achievingF.enhanceSectionB仔細閱讀（共10題）閱讀下列兩篇短文，每篇短文后有5個小題，從A、B、C三個選項中選出最佳答案。Passage1Theglobalfintechindustryhasexperiencedrapidgrowthinrecentyears,drivenbytechnologicalinnovationandchangingconsumerneeds.Fintech,whichcombinesfinanceandtechnology,includesawiderangeofservicessuchasmobilepayments,onlinelending,robo-advisorsandblockchainapplications.Oneofthemainadvantagesoffintechisitsabilitytoimprovefinancialinclusion.Traditionalfinancialinstitutionsoftenhavestrictrequirementsforcustomers,makingitdifficultforsmallbusinessesandlow-incomeindividualstoaccessfinancialservices.Fintechcompanies,however,usebigdataandartificialintelligencetoassesscreditworthinessmoreaccurately,allowingthemtoservetheseunderservedgroups.Mobilepaymentisoneofthemostsuccessfulfintechapplications.IncountrieslikeChina,mobilepaymentplatformssuchasAlipayandWeChatPayhavebecomeanintegralpartofdailylife,replacingcashandcreditcardsinmanyscenarios.Theseplatformsofferconvenience,speedandsecurity,makingtransactionseasierforbothconsumersandmerchants.Anothergrowingareaisrobo-advisoryservices.Theseautomatedinvestmentplatformsprovidepersonalizedfinancialadvicebasedontheusersrisktoleranceandinvestmentgoals,atalowercostthantraditionalfinancialadvisors.Thishasmadeinvestmentservicesaccessibletoawideraudience,includingyoungpeoplewhopreviouslyhadlimitedinvestmentoptions.However,thefintechindustryalsofaceschallenges.Regulatoryuncertaintyisamajorissue,asmanycountriesarestilldevelopingpoliciestogovernfintechactivities.Cybersecurityisanotherconcern,asfintechcompanieshandlelargeamountsofsensitivefinancialdata,makingthemtargetsforcyberattacks.Despitethesechallenges,thefutureoffintechlookspromising.Withcontinuoustechnologicaladvancementandincreasingacceptanceamongconsumers,fintechisexpectedtotransformthefinancialindustryfurtherinthecomingyears.Whatdrivesthegrowthoftheglobalfintechindustry?A.GovernmentsupportandpolicyincentivesB.TechnologicalinnovationandchangingconsumerneedsC.IncreasinginvestmentfromtraditionalfinancialinstitutionsHowdoesfintechimprovefinancialinclusion?A.ByofferinghigherinterestratesonsavingsaccountsB.BysimplifyingtheprocessofopeningbankaccountsC.ByusingbigdatatoassesscreditworthinessaccuratelyWhatistheadvantageofmobilepaymentplatforms?A.LowertransactionfeesthancreditcardsB.Convenience,speedandsecurityC.WideracceptanceininternationalmarketsWhatmakesrobo-advisoryservicespopular?A.PersonalizedadviceatalowercostB.GuaranteedhighinvestmentreturnsC.Face-to-faceconsultationwithadvisorsWhatisamajorchallengeforthefintechindustry?A.LackofconsumertrustB.RegulatoryuncertaintyC.HighoperatingcostsPassage2Internationaltradeplaysavitalroleintheglobaleconomy,allowingcountriestospecializeintheproductionofgoodsandservicestheycanproducemostefficiently.Thisprinciple,knownascomparativeadvantage,enablescountriestomaximizetheiroutputandpromoteeconomicgrowth.Overthepastfewdecades,internationaltradehasgrownsignificantlyduetoglobalizationandthereductionoftradebarriers.OrganizationssuchastheWorldTradeOrganization(WTO)haveplayedakeyroleinpromotingfreetradebysettingrulesandresolvingtradedisputesbetweenmembercountries.Exportingandimportingarethetwomaincomponentsofinternationaltrade.Exportsaregoodsandservicesproduceddomesticallyandsoldabroad,whileimportsaregoodsandservicespurchasedfromothercountries.Acountrystradebalanceisthedifferencebetweenitsexportsandimports.Atradesurplusoccurswhenexportsexceedimports,whileatradedeficitoccurswhenimportsaregreaterthanexports.Internationaltradebringsnumerousbenefitstoparticipatingcountries.Itincreasesthevarietyofgoodsavailabletoconsumers,lowerspricesthroughcompetitionandpromotestechnologicaltransferbetweencountries.Forbusinesses,itopensupnewmarketsandopportunitiesforgrowth.Smallandmedium-sizedenterprises(SMEs)inparticularcanbenefitfrominternationaltradebyaccessingglobalmarketsthatwerepreviouslyoutofreach.However,internationaltradealsohasitsdrawbacks.Itcanleadtojoblossesinindustriesthatcannotcompetewithforeignproducers,especiallyindevelopedcountrieswherelaborcostsarehigher.Tradeimbalancescanalsocauseeconomicproblems,aspersistenttradedeficitsmayleadtoacountryaccumulatinglargeamountsofdebt.Toaddresstheseissues,manycountrieshaveimplementedtradepoliciessuchastariffs,quotasandsubsidies.Thesepoliciesaimtoprotectdomesticindustrieswhilemaintainingthebenefitsofinternationaltrade.Findingtherightbalancebetweenfreetradeandprotectionismremainsachallengeforpolicymakersaroundtheworld.Whatistheprincipleofcomparativeadvantage?A.CountriesshouldproduceallgoodsandservicesdomesticallyB.CountriesspecializeinproducinggoodstheycanmakemostefficientlyC.CountriesshouldexportmorethantheyimportWhatistheroleoftheWorldTradeOrganization?A.ProvidingfinancialaidtodevelopingcountriesB.SettingtraderulesandresolvingdisputesC.ControllingglobalcommoditypricesWhendoesatradesurplusoccur?A.WhenimportsexceedexportsB.WhenexportsequalimportsC.WhenexportsexceedimportsWhatbenefitdoesinternationaltradebringtoconsumers?A.MorevarietyofgoodsandlowerpricesB.HigherqualityproductsonlyC.Betterafter-salesserviceWhatpolicydocountriesusetoprotectdomesticindustries?A.TradebarrierssuchastariffsB.PromotingtechnologicaltransferC.Encouragingimportsofforeigngoods三、詞匯與結(jié)構(gòu)（共15題，每題1分，滿分15分）SectionA單項選擇（共10題）從A、B、C三個選項中選出最佳答案，填涂在答題卡對應(yīng)位置。Thecompanys_______performancehasimprovedsignificantlyinthelastquarter.A.financeB.financialC.financiallyWeneedto_______adetailedbudgetplanbeforestartingtheproject.A.establishB.developC.buildThenewpolicywillhaveapositive_______onsmallbusinesses.A.effectB.affectC.impactInvestorsare_______aboutthefutureofthestockmarket.A.optimisticB.pessimisticC.neutralThebankhas_______anewloanproductforyoungentrepreneurs.A.launchedB.startedC.initiatedIfwe_______themarketingbudget,wewillreachmorepotentialcustomers.A.increaseB.riseC.raiseThemeetingwaspostponed_______thedirectorssuddenillness.A.becauseB.duetoC.asBytheendofthisyear,we_______oursalestarget.A.willachieveB.willhaveachievedC.haveachievedThe_______ofthecompanyisresponsibleformakingfinancialdecisions.A.managerB.directorC.CFOThisreport_______besubmittedtotheboardofdirectorsbyFriday.A.mustB.shouldC.couldSectionB完形填空（共5題）閱讀下面短文，從短文后所給的A、B、C三個選項中選出能填入空白處的最佳選項。Managingpersonalfinancesisanimportantskillforeveryone.Itinvolvescreatingabudget,savingforthefutureandmakingwiseinvestmentdecisions.Thefirststepinpersonalfinancialmanagementisto46_______yourincomeandexpenses.Thishelpsyouunderstandwhereyourmoneygoesandidentifyareaswhereyoucancutcosts.Savingregularlyisanotherkeyaspect.Financialexpertsrecommendsavingatleast20%ofyourincomeeachmonthforemergenciesandlong-termgoalssuchasretirement.Itsalsoimportantto47_______debtwisely.Creditcardscanbeuseful,buthighinterestratescanleadtofinancialproblemsifnotmanagedproperly.Investingisawaytogrowyourwealthovertime.Therearemanyinvestmentoptionsavailable,includingstocks,bondsandmutualfunds.Eachop