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对话理解
听力原文：W: When I want to borrow money from a hank, what should I do?
M: You should create a contract with the bank, stipulating the rate of interest, the repayment date, the amount and timing of any periodic cash interest payments, and other terms of the agreement.
Q: Which is not mentioned when creating a contract with the bank?
(11)
A．Stipulating the rate of interest.
B．Stipulating the repayment date.
C．Stipulating the amount and timing of any periodic cash interest payments.
D．Stipulating the financial sponsor.
参考答案
更多 “ 对话理解听力原文：W: When I want to borrow money from a hank, what should I do?M: You should create a contract with the bank, stipulating the rate of interest, the repayment date, the amount and timing of any periodic cash interest payments, and other terms of the agreement.Q: Which is not mentioned when creating a contract with the bank?(11)A．Stipulating the rate of interest.B．Stipulating the repayment date.C．Stipulating the amount and timing of any periodic cash interest payments.D．Stipulating the financial sponsor. ” 相关考题
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对话理解听力原文：W: Why should the money be deposited within such a short time?M: To avoid problems arising from fluctuations of exchange rate and to prevent possible fraud or overdrawing.Q: Why should the money be deposited within such a short time?(11)A．In order to avoid problems arising from fluctuations of exchange rate.B．In order to get more money.C．In order to use the money as soon as possible.D．In order to overdraw the money.
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听力原文：M: The depositors can earn interest on demand deposits, is that right?W: Yes, but the rate of interest on demand deposits is generally well below the bank's base rate.Q: What does the woman imply?(15)A．The bank's base rate is fixed.B．The rate on demand deposits is low.C．The rate on demand deposits is high.D．The bank's base rate is floating.
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听力原文： A certificate of deposit (CD) is a time deposit with a bank. Time deposits may not be withdrawn on demand like a check account. CDs are generally issued by commercial banks but they can be bought through brokerages. They bear a specific maturity date that usually lasts from 3 months to 5 years, a specified interest rate, and can be issued in any denomination, very similar to bonds. CDs offer a slightly higher yield than T-Bills because of the slightly higher default risk for a bank, but overall the likeliness of a large bank going broke is pretty slim. Of course, the amount of interest you earn depends on a number of factors such as the current interest rate environment, how much money you invest, the length of time, and your specific bank.24. What is a CD?25.Which of the followings generally issue CDs?26.How long does a specific maturity usually last?27.Why do CDs pay higher return to investors than T-bills?(24)A．A term deposit that can be drawn at any time.B．A time deposit with a bank.C．A current deposit.D．A cheek account.
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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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听力原文：M: All you need to open a savings account is $20. But in order to earn reasonable interest you should maintain a balance of at least $ 2,000.W: I only have $ 200 but I'll open an account anyway.Q: What information does the man give the woman?(12)A．That she needs $200 to open an account.B．That savings accounts earn low interest.C．That she should not open an account.D．That $ 2,000 will earn reasonable interest.
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听力原文：M: What about the interest rate?W: Well, the discount rate is given in accordance with the terms of the bill, time of discount, the amount, the reputation of the drawee and the drawer.Q: What are they talking about?(14)A．The interest rate of savings account.B．The discounting rate for drafts.C．The rediscounting rate.D．The interest rate for loans.
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听力原文：M: What margins will the lending bank charge?W: Margins mainly depend on these factors: evaluation of credit risk, maturity of credit, and the starting point from which onwards the rate of interest shall be firm.Q: How many factors do margins charged by the lending bank mainly depend on?(12)A．Four.B．Two.C．Three.D．Five.
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听力原文：M: I've lost my credit card issued by your bank. What should I do, please?W: I am sorry for that. But you have to go to that counter over there for the card business.Q: Why does the customer come to the bank?(15)A．He got a credit card of his friend and come to ask how to use it.B．He got a card and did not know whose card it is.C．He has lost his credit card and come to ask what to do.D．He has found a credit card and come to ask what to do.
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听力原文：M: Would you please tell me what I should do to have funds transferred to me here from London?W: The fastest way is by telegraphic transfer from your bank in London to us.Q: What does the man want to do?(20)A．He wants to withdraw some pounds.B．He wants to transfer some money to London.C．He wants to know how to transfer money from London to him.D．He wants to exchange some pounds for yen.
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单句理解听力原文：Interest rate risk refers to the exposure of a bank's financial condition to adverse movements in interest rates.(1)A．Bank's financial condition is the cause of interest rate risk.B．Bank's financial condition has impact on interest rate risk.C．Interest rate risk occurs when interest rate moves against the bank's financial condition.D．Interest rate risk occurs when interest rate favours the bank's financial condition.
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对话理解听力原文：W: What kind of monetary policy instruments may your bank use?M: They include adjusting the base interest rate, regulating rediscounting and open market operations.Q: Which of the following wasn't mentioned by the man as a monetary policy?(11)A．The minimum deposit reserve.B．Adjusting the base interest rate.C．Regulating rediscounting.D．Open market operations.
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听力原文：M: What should I do with my sight deposit if I need some money right now?W: Oh, that's easy. You can either use the cash dispensers or you can write cheques.Q: What does the man want to have now?(14)A．Cash.B．Sight deposit.C．Cash dispenser.D．Cheque.
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听力原文：M: I want to cash this check for my mother, but the teller told me to bring it here.W: Yes, Sir. That's an out-of-town personal check. We wouldn't be able to cash it for you until the proceeds are collected from the paying bank.Q: How will the bank deal with the man's check?(18)A．The bank will cash the check immediately.B．The bank will issue a new bank account and deposit the money for him.C．The bank will cash it for him until the proceeds are collected from the paying bank.D．The bank will endorse the check before payment.
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听力原文：M: May I cash these traveler's checks for $300 here?W: Of course. Would you please countersign them here? Also write place and date as specified.Q: What does the man want to do according to the conversation?(16)A．To endorse his cheques.B．To show his passport.C．To cash some traveler' s cheques.D．To open a checking account.
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听力原文：M: Bank of China. May I help you?W: Yes, please. I'd like to get some information about discounting a bill of exchange.Q: What does the customer want to do.?(17)A．To withdraw some money.B．To exchange some foreign currencies.C．To discount some bills.D．To cash some traveler's checks.
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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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共用题干
第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD（光盘）or to go to a concert,then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'II have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee. Among other things,a bank statement tells you A: the amount of money you have in the bank.B:the current rates of interest.C:the current rates of exchange.D:the best way to save your money.
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.
Which of the following statements is true? （ ）A.CD is automatically renewed for the same period unless having other instruction.
B.CD isn’t automatically renewed for the same period at the ruling rate of interest on the date of renewal.
C.CD is automatically renewed for the same period without any other instruction.
D.CD is automatically renewed for the same period with permission of the bank manager.
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共用题干
第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.If you draw your money before it is due,A:you have to pay interest to the bank.B:you have to close your account.C:you have to open a new account.D:you have to pay a penalty or fee.
考题
共用题干
第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.Interest is the amount of money whichA:a bank lends to people.B:a bank loans to businesses.C:a bank pays you.D:a bank uses.
考题
共用题干
第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.The word"touch" in paragraph 7 could be best replaced byA:"deposit".B:"work".C:"use".D:"cash".
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共用题干
第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.A bank statement tells youA:the amount of money you have in the bank.B:the current rates of interest.C:the current rates of exchange.D:the best way to save your money.
考题
共用题干
第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.Which way will help your money earn more money?A:Putting your money in your room.B:Putting your money in a piggy bank.C:Putting your money in your pocket.D:Putting your money in a savings account.
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共用题干
第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD（光盘）or to go to a concert, then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Among other things,a bank statement tells youA:the amount of money you have in the bank.B:the current rates of interest.C:the current rates of exchange.D:the best way to save your money.
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共用题干
第三篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in?If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money there is in your account. It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow. You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account. Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So, you may want to compare rates in newspaper ads before buying a CD.Interest is the amount of money which_______.A:a bank lends to people B:a bank loans to businessesC:a bank pays you D:a bank uses
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共用题干
第三篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in?If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money there is in your account. It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow. You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account. Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So, you may want to compare rates in newspaper ads before buying a CD.A bank statement tells you_______.A:the amount of money you have in the bankB:the current rates of interestC:the current rates of exchangeD:the best way to save your money
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共用题干
第三篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in?If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money there is in your account. It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow. You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account. Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So, you may want to compare rates in newspaper ads before buying a CD.If you draw your money before it is due,_______.A:you have to pay interest to the bankB: you have to close your accountC:you have to open a new accountD:you have to pay a penalty or fee
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