网友您好， 请在下方输入框内输入要搜索的题目：
题目内容
（请给出正确答案）
单选题
Which of the following does the author think is essential to a healthy economy?
A
Foreign banks entering local markets.
B
Domestic banks channeling more fund on the international market.
C
Local banks lending more to businesses.
D
Banks avoiding risky investments.
参考答案
参考解析
解析：
录音中提到如果政府允许国外投资，银行就可以发放更多的贷款给大小公司。但录音中接下来提到这样做的消极面是银行可能会变得过于急切，发放贷款的收益甚至无法抵消随之而来的风险，这样一来就会造成破产，由此可知在说话者看来对于健康的经济来说银行应该避免风险投资。
【录音原文】
Financial systems can be liberalized a lot without letting in hot money. If a government opens up to investment from abroad—allowing foreign banks to buy local institutions, say, or allowing domestic banks to raise money on international capital markets—local banks can lend more to businesses large and small. This matters, because bank credit is often the only source of finance for many firms. The downside is that banks may become over-eager and make loans on which the returns do not justify the risks. That can produce horrible busts.
录音中提到如果政府允许国外投资，银行就可以发放更多的贷款给大小公司。但录音中接下来提到这样做的消极面是银行可能会变得过于急切，发放贷款的收益甚至无法抵消随之而来的风险，这样一来就会造成破产，由此可知在说话者看来对于健康的经济来说银行应该避免风险投资。
【录音原文】
Financial systems can be liberalized a lot without letting in hot money. If a government opens up to investment from abroad—allowing foreign banks to buy local institutions, say, or allowing domestic banks to raise money on international capital markets—local banks can lend more to businesses large and small. This matters, because bank credit is often the only source of finance for many firms. The downside is that banks may become over-eager and make loans on which the returns do not justify the risks. That can produce horrible busts.
更多 “单选题Which of the following does the author think is essential to a healthy economy?A Foreign banks entering local markets.B Domestic banks channeling more fund on the international market.C Local banks lending more to businesses.D Banks avoiding risky investments.” 相关考题
考题
According to the last paragraph, most Asian central banks are becoming _____.［A］ rather regretful［B］ less ambitious［C］ more cautious［D］ speculative
考题
听力原文：M: What are the benefits for commercial banks as a member of the Federal Reserve System?W: There are three major benefits : ease of check clearance, electronic fund transfer and ability to borrow from the Fed.Q: Which of the following is not mentioned by the woman?(14)A．Interbank lending.B．Cheek clearance.C．Electronic fund transfer.D．Borrowing ability.
考题
Which of the following statements is true?A．Loans for buying houses are always secured in order to reduce the risk of nonpayment.B．Companies are more likely to borrow on all unsecured basis than individuals.C．The largest loans advanced by banks are always secured loans.D．Borrowers are more willing to repay the money if the loans are made on an unsecured basis.
考题
听力原文：Although banks are involved in documentary collection, they offer no bank guarantee to either the buyer or the seller.(10)A．Banks may guarantee the buyer or the seller in documentary collection.B．Banks act as agents without responsibility of guarantee on either side.C．Banks offer bank guarantee to both the buyer and the seller in documentary collection.D．Banks are only responsible for the buyer in documentary collection.
考题
A high degree of official supervision and regulation on bank organizations are important because ______.A．The governments of many countries want to control banksB．There are too many troubles in banking sectorC．It is crucial to stabilize the financial sector and the whole economyD．The banks make much more deposit insurance fund
考题
What is the main function of deposit insurance fund?A．To ensure that the banks have sufficient fund to finance other economic sectors.B．To protect the banks from all kinds of risks arising from their operation.C．To meet requirements of financial needs of the public.D．To pledge to depositors that their money is safe whenever a bank is insolvency.
考题
听力原文：Banks make money in the foreign exchange dealings not on profit margin but on volume.(8)A．Banks make money in foreign exchange business because of profit margin.B．Banks make money from the price spread in the foreign exchange market.C．Banks make money in foreign exchange business on profit as well as on volume.D．Banks make money in foreign exchange business because of the great volume.
考题
Banks in international lending face the risks common to all banks: liquidity risk, interest rate risk, credit (asset) risk, and contingent liabilities risk.A．RightB．WrongC．Doesn't say
考题
听力原文：The foreign banks should have set up a representative office in China two years before they can apply for a branch.(2)A．The foreign banks should have set up a representative office.B．The foreign banks can't apply for a branch.C．The foreign banks can't expand business in China.D．The foreign banks are forbidden to set up a representative office.
考题
听力原文：Banks are crucial to a country's economy, they serve as the center point of the exchange of money throughout the economy.(10)A．Cash is crucial to a country's economy.B．Money is crucial to a country's economy.C．Capital is crucial to a country's economy.D．Banks are crucial to a country's economy.
考题
听力原文：M: Most banks tend to decline loan proposals which are highly speculative.W: I think because the banks expect the loan to generate sufficient profit and positive cash-flow for themselves and for the clients.Q: What will the banks usually do to the highly speculative loan proposals?(15)A．The banks will disapprove them.B．The banks will approve them.C．The Bank will benefit from the loans.D．The bank will make profit from lending.
考题
听力原文：Banks change their base rates fairly infrequently.(5)A．Banks often change their base rate.B．Banks seldom change their base rate.C．Banks never change their base rate.D．Banks change their base rate at regular intervals.
考题
听力原文：M: What is a cheque card?W: It was originally issued in UK. British banks started to issue cheque cards in 1965, and as from 1969 all the main commercial banks in Britain agreed to issue a standardized form. of cheque card.Q: What happened to British banks in 1969?(17)A．All the main commercial banks in Britain agreed to issue a standardized form. of cheque card.B．British banks started to issue credit cards.C．Customers of British banks may cash their cheques in European countries.D．Commercial banks in the United States began to issue cheque card.
考题
听力原文：Under the documentary credit, banks are in no way concerned with the sales contract on which the credit may be based.(3)A．Banks will deal with the documentary credit along with the sales contract.B．Banks take no care of the sales contract while dealing with the documentary credit.C．Documentary credit and the sales contract are both important to banks.D．Banks will care for either the documentary credit or the sales contract.
考题
The amount of checks debited against New York banks in October 1982 was 39.27 trillion, which was 42% of the aggregate amount of checks of all the insured banks that month.A．RightB．WrongC．Doesn't say
考题
There's been a steady drumbeat of warmings about a surge in risky corporate borrowing-but not much clarity serious the threat is. At issue is the more than S1 million market in leveraged loans. That's Wall Street jargon for loans to business with less than rook-solid finances, Federal Reserve and European Central Hank officials have drawn to the rise in corporate debt and the deterioration or lending standards. The loans are often bundled into securities ollateralized loan obligations (CLOs).
Most of the watchdogs are carceful to say a repeat of the 2007-2008 crisis is unlikely because most of the debt banks. But that creates another problem Regulators focused on banks are largely in the dark when it comes to where the risks he and how they might ripple through the financial system when the economy turns down. A big over-indebted businesses could face severe stress and, in some cases, insolvency, threatening jobs and deepen downturn.
The mechanics of the leveraged loan market will be familiar to students of the housing crisis.
With interesting investors are willing to take greater risks to get higher yields. That makes lots of money available for lending. we makes it easier for less creditworthy companies to borrow .Rather than keep the risky loans on their books, lender them to asset managers that package them into securities -C1Ds-that are sold to investors such as insurers and hedge funds.
Yields on the riskicst portions of CLOs can approach 9% a year. And the growth of leveraged lending has been post crisis bank regulations that helped the rise or shadow lenders financial companics that aren't regulated like market for levcraged loans has more than doubled since 2012.
The risk taking could get worse: With demand by borrowers for levcraged loans declining this year, those still financing have been able to extract looser learns.
About 85% of leveraged loans are held by nonbanks, according to Wells Fargo rescarch.
But banks may play a larger robe than may assumc, according to Gaurav V asisht, drector for financial regulation at the Volcker Alliance, a good-governance group, Banks are involved in all stages of the process. They underwrite loans, sell them to the CLOs, invest in those securities, and then hedge those risks in the market.“One common narrative is that banks don't have much risk or aren't exposed 1o it. Vasisht said at the hearing, "Banks are exposed to it."
Just beeause banks are safer doesn't necessarily mean the financial system is, says Karen Petron, managing partner at Federal Financial Analytics, a regulatory- analysis firm. Debt investors might not be as resilient in a crisis, and their problems could create shock waves. "Banking regulators are being a htte myopic when they 're looking only at the banking system for systemic risk," she says.- Sally Bakewell and Thomas Beardsworth.
According to the article, which of the following statements is true?( d )
A. The mechanics of leveraged loans are different from that of housing crisis.
B. regulators admit that the financial crisis in 2008 might repeat.
C. shadow lenders will be regulated.
D. banks are not immune from the risks of corporate debt.
考题
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
Which of the following is not true?（ ）
A.National Banks in the USA refers to “State Banks”.
B.The group banking system usually exists in the states where branch banking is prohibited.
C.Stateside branching implies that bank branches are allowed to operate anywhere within the state.
D.Limited branching allows bank to operate branches within geographic territories authorized by the state law.
考题
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
Which of the following is TRUE?（ ）
A.The Fed undertakes banking supervision over banking system in the USA.
B.The savings banks in the USA are authorized to do real estate business by some states’ law.
C.Specialized banks in the USA provide funds as the lender of last resort.
D.Specialized banks in the USA are the same to those in China.
考题
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
What is the charting authority of the USA for banks?（ ）A.FRA
B.Laws of states
C.Fed
D.OCC
考题
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
Which of the following title best suits the passage?（ ）A.Banking and Non-banking in the USA.
B.Banks in the USA.
C.Bankers in the USA.
D.Banking in the USA.
考题
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
What is included in the commercial banking system of the USA?（ ）A.The Fed banks, the State banking and group banking.
B.The Fed banking, the state banking and group banking.
C.Unit banking, group banking and branch banking.
D.Specialized banks, group banking and unit banking.
考题
You are designing an Active Directory site infrastructure to meet the bussiness and technical requirements. What should you do?（）A、Create one site for each office and each local bank.B、Create one site for all offices. Create one site for all local banks.C、Create one site for Amsterdam. Create one site for all branch office and all local banks.D、Create one site for Amsterdam. Create one site for the Utercht brach office. Create one site for that Hague branch office. Place half the local banks in the utercht site and half the local banks in the Hague site.E、Create one site for Amsterdam. Create one site for the Utercht brach office. Create one site for each local bank that has more than 50 users. Place all the other local banks in the Amsterdam Site.
考题
单选题You are designing an Active Directory site infrastructure to meet the bussiness and technical requirements. What should you do?（）A
Create one site for each office and each local bank.B
Create one site for all offices. Create one site for all local banks.C
Create one site for Amsterdam. Create one site for all branch office and all local banks.D
Create one site for Amsterdam. Create one site for the Utercht brach office. Create one site for that Hague branch office. Place half the local banks in the utercht site and half the local banks in the Hague site.E
Create one site for Amsterdam. Create one site for the Utercht brach office. Create one site for each local bank that has more than 50 users. Place all the other local banks in the Amsterdam Site.
考题
单选题Which of the following is NOT the purpose of America’s central bank?A
Controlling the flow of money in the economy.B
Overseeing the activities of banks.C
Producing and distributing bank notes and coins.D
Contributing to the maintenance of a stable financial system.
考题
单选题If banks ______ the number of credit cards, the economy would improve.A
limitingB
limitedC
had limitedD
are limiting
考题
单选题What best explains why the banking industry is ready to take advantage of an integrated network infrastructure？（）A
Many banks are still connecting via dial-up.B
Many banks need to consolidate departments and resources.C
Many banks find themselves with an obsolete branch infrastructure.D
Many banks need back-office process streamlining.
考题
单选题You are designing an Active Directory site infrastructure to meet the bussiness and technical requirements. What should you do？ （）A
Create one site for each office and each local bank.B
Create one site for all offices. Create one site for all local banks.C
Create one site for Amsterdam. Create one site for all branch office and all local banks.D
Create one site for Amsterdam. Create one site for the Utercht brach office. Create one site for that Hague branch office. Place half the local banks in the utercht site and half the local banks in the Hague site.E
Create one site for Amsterdam. Create one site for the Utercht brach office. Create one site for each local bank that has more than 50 users. Place all the other local banks in the Amsterdam Site.
热门标签
最新试卷
