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听力原文：M: Most banks tend to decline loan proposals which are highly speculative.W: I th

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.

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发布时间：2021-05-22

更多“听力原文：M: Most banks tend to decline loan proposals which are highly speculative.W: I th”相关的问题

第1题

听力原文：M: Oh, my God! Jessica. It's five p. m. now. Tomorrow is Saturday. The credit wil

l expire on Sunday. Weekend is non-business day. We cannot make it today. What shall we do？

W: Don't worry. Banks will accept presentation on the following business day.

Q: When will the bank deal with the credit if the expiry date of a credit fails on a non-business day？

(19)

A．On every business day.

B．On Tuesday.

C．On Wednesday.

D．On the following business day.

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第2题

听力原文：M: What is a cheque card？W: It was originally issued in UK. British banks started

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.

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第3题

听力原文：M: Can you give an example of types of risks Banks face？W: Yes. The major type of

听力原文：M: Can you give an example of types of risks Banks face？

W: Yes. The major type of risks is called credit risk. It means a counterpart fails to perform. according to a contractual arrangement.

Q: What are they talking about？

(13)

A．A contractual arrangement.

B．A counterpart.

C．Many types of risks.

D．Credit risk.

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第4题

听力原文：The foreign banks should have set up a representative office in China two years b

efore 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.

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第5题

听力原文：W: Do the banks set the same credit lines to all the customers？M: No. Banks norma

听力原文：W: Do the banks set the same credit lines to all the customers？

M: No. Banks normally set different credit lines to different groups of cardholders. That depends on the personal income, the occupation, and to a large extent, on the creditworthiness of the customer.

Q: What will be the credit line if a customer is a professor and has a good reputation？

(20)

A．The credit line will be lower than usual.

B．The credit line will be higher than usual.

C．The credit line will be as usual.

D．The credit line will be indefinite.

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第6题

听力原文：M: It is reported that in some countries banks are not allowed to make investment

s in equity securities.

W: Generally commercial banks may invest only in those securities that are rated as "investment grade", or have bond ratings in the top four categories.

Q: Where are banks only allowed to make investments？

(15)

A．In equity securities.

B．In personal funds.

C．In securities rated as investment grade.

D．In property markets.

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第7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.

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第8题

听力原文：M: CDs can be traded in the money market at any time. They are more flexible than

fixed-term deposits.

W: That's right. So banks usually offer slightly lower interest rates on them.

Q: Which of the following has a higher rate？

(13)

A．CDs.

B．Demand deposits.

C．Fixed-term deposits.

D．Building societies deposits.

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第9题

听力原文：M: Banks may borrow emergency funds from the Fed to meet an unusual demand for ca

sh by depositors.

W: Thus, Fed serves as a source of last resort for emergency funds. It is one of the major objectives of the Federal Reserve System.

Q: What will the banks do when there is an unusual demand for cash by depositors？

(15)

A．To serve as a source of last resort.

B．To be one of the major objectives.

C．To transfer depositors' funds from one bank to another.

D．To borrow emergency funds from the Fed.

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第10题

听力原文：A house is the most expensive thing most people will ever buy. Very few people ha

听力原文： A house is the most expensive thing most people will ever buy. Very few people have enough money of their own to buy a home, so they have to borrow money from a bank. Borrowing money from a bank to buy a house is called taking a mortgage. The hank usually lends money or gives a mortgage for 25 years. This means that the person who borrows has 25 years to pay back the money. The bank lends this money with interest, and the borrower makes equal monthly payments to the hank until he has paid the mortgage. Houses are so expensive that many people nowadays have to borrow as much as $50,000. In other words, they will have a $50,000 mortgage.

How can you get a mortgage？ When you find a house you like, you go to a bank, sometimes it is necessary to go to a few banks, before applying for a mortgage at once. The bank will investigate your financial history and decide if they think you axe a good risk. They will want to know what kind of job you have. In addition, the banks will require a down payment. Depending on which state you live in, the bank may require as much as 30% of the price of the house as a down payment. The bank will then lend you the rest of the money to buy the house. Many people are never able to buy a house because they cannot save enough money for the down payment.

(30)

A．It means to rent a house for 25 years.

B．It means to buy an old house at a low price.

C．It means to borrow money from a bank to buy a house.

D．It means to borrow money from a friend to buy a house.

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