金融专业保研考研复试面试技巧问题答案全攻略吐血整理(7)

4.关于房价。 高房价原因： 一，人多地少。 二，城市化进程加快。

三，地方政府对房地产业的推动。

四，房地产开发企业和购房人的投机性投资。

五，货币负利率长期持续导致持币者对房产投资的增加。 高房价危害： 一，易产生泡沫。 二，银行信贷风险和危机。

三，导致社会经济发展不均衡，容易激化矛盾，影响民生。 四，造成资源浪费严重。 抑制措施：

一，防治行业乱象，规范房地产业的健康发展。 二，通过金融手段抑制住房的投资性、投机性需求。

三，实施多元化建房政策，以确保不同人群都有条件改善住房条件。 四，利用税收机制严格控制高房价。 五，加大保障性住房建设力度。

5.英语：on-line shopping

With the rapid development of the information technology, On-line shopping has become more and more popular. On the Internet we can buy almost everything we need. But everything has two sides.

On one hand, I think there are lots of advantages of On-line shopping. Firstly, you can search as much information as you can which normal couldn't do, and some local didn't sell. Secondly, there is no time limit, you can chose the commodities you like even in the midnight. Besides, on-line shopping is very convenience and low-carbon.

We do not have to waste a lot of our energy and precious time to go from one shop to another to choose the commodities we like. We need not go out of the room. We can do all the thing at home, including order commodities, receiving commodities. What's more, the same commodities, the one you bought from the Internet is cheaper than that you bought in supermarket. Finally, On-line payment is more security than traditional cash payment, it prevents the loss of cash.

On the other hand, On-line shopping also has it's disadvantage. The first

disadvantage is that the speed of the delivery is too slow and the after-sales service is bad. The second disadvantage is that the consumers cannot see the goods or try them on personnally, sometimes the real goods may not be the same as what they have seen on the computer. The third disadvantage is that some shops on the internet are not registered, they will never deliver anything to you after they get the money from you. Once cheated, you will find that you have nowhere to complain.

Although there are many defects of On-line shopping, it can help most of people enjoy life at home, and promotes the development and mondernism of the society. So, it will be a trendency in the later future and I think we should accept and try to adjust to it.

6.汇率对本国物价的影响

直接标价法是指以一定单位的外国货币为基准，目前大多数国家采用这种标价法。如1美元=115.25日元；1美元=1.47加拿大元等。

间接标价法是指以一定单位的本国货币为基准，欧元、英镑、澳大利亚元采用间接标价法，如1英镑=1.6025美元。

本币升值，进大于出，进口品的价格有可能降低，从而可以起抑制物价总水平的作用。

7.身边的金融产品

快递行业加入P2P网贷，“全峰e收贷”。

8.资本自由化对发展中国家的影响

“金融自由化”理论是上个世纪70年代,针对当时发展中国家普遍存在的金融市场不完全、资本市场严重扭曲和患有政府对金融的“干预综合症”，影响经济发展的状况首次提出的。

金融自由化理论主张改革金融制度，改革政府对金融的过度干预，放松对金融机

构和金融市场的限制，增强国内的筹资功能以改变对外资的过度依赖，放松对利率和汇率的管制使之市场化，从而使利率能反映资金供求，汇率能反映外汇供求，促进国内储蓄率的提高，最终达到抑制通货膨胀，刺激经济增长的目的。 有利影响：

1.增强了金融市场的竞争性。 2.提高了世界金融市场的效率。 3.信息对称。

4.推动了世界性的金融一体化。 不利影响：

1.加大了客户和金融业自身的风险。 2.竞争加剧导致商业银行利润率下降。

9.英语：中央银行的功能(The functions of central bank)

In the most of country, the central bank has these functions.

1. Formulate and implement monetary policies, like required reserve ratio, interest rate adjustment and open market operation.

2. Financial regulation, like make some financial laws, supervise commercial banks and another financial institution.

3. Financial services, like take some measures to promote financial stability.

10.利率风险。

利率风险是指市场利率变动的不确定性给商业银行造成损失的可能性。比如，原本投资于固定利率的金融工具，当市场利率上升时，可能导致其价格下跌的风险。

如何控制：利率期权。

套期保值：主要是为了避免现货市场上的价格风险而在期货市场上采取与现货市场上方向相反的买卖行为，即对同一种商品在现货市场上卖出，同时在期货市场上买进；或者相反。它有两种形式，空头套期保值跟多头套期保值。

11.英语：为什么读研，方向是什么

Firstly, during my three-year study in the Hunan university as an under-graduate student, I have built up a solid foundation of professional knowledge, as well as a rich experience of social activities. But I find the knowledge I have mastered is not enough to solve some specific problems. So I decide to further my education.

What’s more, I am good at analysis, with a strong sense of cooperation. I want to take finance, especially the banking management as my life long career, therefore, further study in this field is still necessary. In my opinion, I can broaden my horizon and enrich the knowledge in this field through the postgraduate education.

All in all, I believe that I am a very qualified applicant for admission into the Master of Finance and can contribute to the enrichment or diversity of Hunan university.

12.英语：商业银行的职能(The functions of commercial banks)

The most significant function of commercial banks is intermediary. 1. Storage people’s money, provide loans to the individual or enterprise. We call it “assets and liabilities”.

2. Provide financial services, like private banking, and so on.

13.高油价。

14.显著性检验（计量经济学）

15.清迈协定

中日韩与东盟。《清迈协议》是亚洲货币金融合作所取得的最为重要的制度性成果，它对于防范金融危机、推动进一步的区域货币合作具有深远的意 …… 此处隐藏：2935字，全部文档内容请下载后查看。喜欢就下载吧 ……