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[主观题]

Many banks charge fees whenever a customer uses an ATM/debit card inside the United States

A．Right

B．Wrong

C．Doesn't say

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发布时间：2020-09-17

更多“Many banks charge fees whenever a customer uses an ATM/debit card inside the United States”相关的问题

第1题

In contrast to traditional analyses of minority business, the sociological analysis conten

ds that minority business ownership is a group-level phenomenon, in that it is largely dependent upon socialgroup resources for its development. Specifically, this analysis indicates that support networks play a critical role in starting and maintaining minority business enterprises by providing owners with a range of assistance, from the informal encouragement of family members and friends to dependable sources of labor and clientele from the owner's ethnic group. Such self-help networks, which encourage and support ethnic minority entrepreneurs, consist of "primary" institutions, those closest to the individual in shaping his behavior. and beliefs. They are characterized by the face-to-face association and cooperation of persons united by ties of mutual concern. They form. an intermediate social level between the individual and larger "secondary" institutions based on impersonal relationships. Primary institutions comprising the support network include kinship, peer, and neighborhood or community subgroups.

A major function of self-help networks is financial support. Most scholars agree that minority business owners have depended primarily on family funds and ethnic community resources for investment capital. Personal savings have been accumulated often through frugal living habits that require sacrifices by the entire family and are thus a product of long-term family financial behavior. Additional loans and gifts from relatives forthcoming because of group obligation rather than narrow investment calculation, have supplemented personal savings. Individual entrepreneurs do not necessarily rely on their kin because they cannot obtain financial backing from commercial resources. They may actually avoid banks because they assume that commercial institutions either cannot comprehend the special needs of minority enterprise or charge unreasonably high interest rates.

Within the larger ethnic community, rotating credit associations have been used to raise capital. These associations arc informal clubs of friends and other trusted members of the ethnic group who make regular contributions to a fund that is given to each contributor in rotation. One author estimates that 40 percent of New York Chinatown firms established during 1900-1950 utilized such associations as their initial source of capital. However, recent immigrants and third or fourth generations of older groups now employ rotating credit associations only occasionally to raise investment funds. Some groups like Black Americans, found other means of financial support for their entrepreneurial efforts. The first Black-operated banks were created in the late nineteenth century as depositories for dues collected from fraternal or lodge groups, which themselves had sprung from Black churches. Black banks made limited investments in other Black enterprises. Irish immigrants in American cities organized many building and loan associations to provide capital for home construction and purchase. They in turn, provided work for many Irish home-building contractor firms. Other ethnic and minority groups followed similar practices in founding ethnic-directed financial institutions.

Which of the following can be inferred from the passage about rotating credit associations？

A．They were developed exclusively by Chinese immigrants.

B．They accounted for a significant portion of the investment capital used by Chinese immigrants in blew York in the early twentieth century.

C．Third- generation members of an immigrant group who started businesses in the 1920's would have been unlikely to rely on them.

D．Recent immigrants still frequently turn to rotating credit associations instead of banks for investment capital.

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第2题

Many of the major banks allow you to pay bills or transfer funds with a smart phone.（英译中）

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第3题

Many of the banks and travel services in the western countries provide convenience for

A.checks

B.credit cards

C.cash

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第4题

听力原文：Many banks in America now carry accounts with the Bank of China, Shanghai.（5)A．Ma

听力原文：Many banks in America now carry accounts with the Bank of China, Shanghai.

(5)

A．Many banks in America accept accounts with the Bank of China, Shanghai.

B．Many banks in America start business with the Bank of China, Shanghai.

C．Many banks in America have accounts with the Bank of China, Shanghai.

D．Many banks in America owe money to the Bank of China, Shanghai.

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第5题

A high degree of official supervision and regulation on bank organizations are important b

ecause ______.

A．The governments of many countries want to control banks

B．There are too many troubles in banking sector

C．It is crucial to stabilize the financial sector and the whole economy

D．The banks make much more deposit insurance fund

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第6题

"If you had to identify, in one word, the reason the human race has not achieved, and neve

r will achieve, its full potential, that word would be meetings." Thus spoke humorist Dave Barry, and many of us would agree. But it doesnt have to be this way. Some tips for having a good one: Start and end strongly. Running a productive meeting isnt rocket science. As Denver-based consultant Teri Schwartz notes, much of it boils down to opening and conducting every meeting with a purpose and closing it with a plan for "going forward." Problems arise when people forget this. "Its like flying a plane," says Schwartz. "Most crashes happen at takeoff and landing." Pick a leader. Four years ago, Clevelands KeyCorp Bank adopted a new principle: Always assign someone to lead. "The worst thing you can do is go into a meeting with no one in charge," says the banks senior EVP and chief risk officer, Charles Hyle. "It turns into a shouting match." Think small. Be realistic about what you can accomplish. "You cant solve world hunger in an hour," Schwartz says. By the same token, keep the number of attendees manageable to stimulate discussion. "When you have too many people in the room," says Hyle, "everyone clams up as if their mouths were sealed." Direct, dont dominate. "People hate it when they cant get their work done because they have to go to somebody elses meeting," says Columbia Business School professor Michael Feiner. So encourage others to speak up and get involved, especially junior staffers. "They need to believe its not his meeting or her meeting, but our meeting," Feiner says. Lay down the rules of engagement. Everyone should understand who will take notes and how decisions will be made. Remember that consensus is typically a bad thing. "It means there isnt enough dialogue or debate," says Feiner, "and thats the lifeblood of any innovative organization." Jon Petz, the author of Boring Meetings Suck, suggests assigning follow-up tasks during the final five to ten minutes, then repeating them later in a group e-mail so that theres no confusion.

In Dave Barrys opinions, meetings______.

A．have been blocking human progress

B．may fade away from the human world

C．are an important part of the human race

D．are meant to solve problems for humans

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第7题

Banks are subject to various forms of legal risk, including inadequate or incorrect（56) ad

Banks are subject to various forms of legal risk, including inadequate or incorrect (56) advice or documentation that may result in unexpected decline in the value of (57) or unexpected increase in the value of liabilities. In addition, existing laws may (58) resolve legal issues involving a bank; a court case involving a (59) bank may have wider implications for banking business and involve costs to it and many or all other banks; and, laws (60) banks or other commercial enterprises may change. Banks are particularly susceptible to legal risks when entering new types of transactions and when the legal right of a counterpart to enter into a transaction is not established.

(41)

A．bank

B．financial

C．legal

D．governmental

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第8题

The bank（56) borrowers enough interest to pay the expense of the bank and have something l

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．receives

B．gets

C．charges

D．pays

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第9题

The Supreme Court's recent decision allows regional interstate banks to do away with one r

estriction in America's banking operation, although many others still remain. Although the ruling does not apply to very large money-center banks, it is move in a liberalizing direction that could at last push Congress into framing a sensible legal and regulatory system that allows banks to plan their future beyond the next court case.

The restrictive laws that the courts are interpreting are mainly a legacy of the bank failures of the 1930s. The current high rate -- higher than at any time since the Great Depression -- has made legislators afraid to remove the restrictions. While legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets. In trying to escape from these restrictions, banks are taking enormous, and what should be unnecessary, risks. For example, would a large bank be buying small, failed savings banks at inflated prices if federal law and states' regulations permitted that bank to expand through the acquisition of financially healthy banks in the region7 Of course not. The solution is clear American banks will be sounder when they are not geographically limited. The House of Representative's banking committee has shown part of the way forward by recommending common-sensible, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form. counterweights to the big money-center banks. Without this breathing space the big money-legislation should be regarded as only a way station on the road towards a complete examination of American's suitable banking legislation.

The author’s attitude towards the current banking laws is best described as one of _______.

A．concerned dissatisfaction

B．tolerant disapproval

C．uncaring indifference

D．great admiration

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第10题

The Supreme Court's recent decision allowing regional interstate banks has done away with

one restriction in America's banking operation, although many others still remain. Although the ruling does not apply to very large money-center banks, it is a move in a liberalizing direction that could at last push Congress into framing a sensible legal and regulatory system that allows banks to plan their future beyond the next court case.

The restrictive laws that the courts are interpreting are mainly a legacy of the bank failures of the 1930's. The current high rate of bank failure—higher than at any time since the Great Depression—has made legislators afraid to remove the restrictions. While their legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets. In trying to escape from this restrictions, banks are taking enormous, and what should be unnecessary, risks. For example, would a large bank be buying small, failed savings banks at inflated prices if federal laws and states regulations permitted that bank to explain instead through the acquisition of financially healthy banks in the region？ Of course not. The solution is clear. American banks will be sounder when they are not geographically limited. The house of Representative's banking committee has shown part of the way forward by recommending common-sense, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form. counterweights to the big money-center banks. Without this breathing space the big money-center banks might soon extend across the country to develop. But any such legislation should be regarded as only a way station on the road towards a complete examination of America's suitable banking legislation.

The author's attitude towards the current banking laws is best described as one of ______.

A．concerned dissatisfaction

B．tolerant disapproval

C．uncaring indifference

D．great admiration

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