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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 dema
题目
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.
相似考题
参考答案和解析
解析：对话中女士提到“活期存款利率远低于银行基本利率”，也就是说活期存款利率很低。
更多“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 dema”相关问题
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第1题：
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.
正确答案：B
解析：男士是想开一个外汇账户，但女士提醒男士说外汇汇率会有波动，所以有时会 "suffer losses"。 -
第2题：
What is the reserve requirement?
A．The requirement for cash reserves.
B．The requirement for deposits in cash.
C．The percentage of a bank's deposits in the form. of cash reserves.
D．The requirement of a bank to deposit a percentage of money.
正确答案：C
解析：文章倒数第二段提到It is assumed that...This is the reserve requirement.采取的是现金的形式。 -
第3题：
单句理解
听力原文：These time deposits earn higher interest rates, which may be fixed or floating, but no withdrawals are allowed until the term has ended.
(1)
A．Sometimes the interest rates on time deposits are not fixed.
B．People can draw these deposits at any time.
C．The interest rates on time deposits are fixed.
D．The interest rates on time deposits are floating.
正确答案：A
解析：单句意思为“定期存款会获得一个固定的或浮动的更高利率，但如果不到期则不允许取款”。只有A项意思正确。 -
第4题：
听力原文：Although it is a normal part of banking, excessive interest rate risk can pose a significant threat to a bank's earnings and capital base.
(4)
A．Interest rate risk is a normal part of banking operations.
B．Interest rate risk is a terrible threat to banking operations.
C．A bank's earnings and capital base is a normal part of banking.
D．A bank's earnings and capital base can pose a significant threat to banking.
正确答案：A
解析：单句意思为“尽管利率风险是银行业常见的风险，但它可以对银行收入和资本基础造成严重威胁”。只有A项意思正确。 -
第5题：
听力原文：W: What is the rate of exchange?
M: Sorry, I'm not sure. You will have to ask at the exchange desk. He can give you the exchange rate.
Q: Where can he find the exchange rate?
(12)
A．At the exchange desk.
B．On the board.
C．On the desk.
D．On the notebook.
正确答案：A
解析：当女士问到汇率是多少时，男士的回答是"You will have to ask at the exchange desk"，由此可知选项A正确。 -
第6题：
What is the reserve requirement?
A．The requirement of a bank to deposit a percentage of money
B．The requirement for deposits in cash
C．The percentage of a bank's deposits in the form. of cash reserves
D．The requirement for cash reserves
正确答案：A
解析：法定存款准备金(reserve requirement)要求商业银行必须按存款的一定比率在其央行账户存放款项。 -
第7题：
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.
正确答案：A
解析：对话谈论的是货币政策工具种类的问题，男士提到了调整基准利率、规定再贴现政策和公开市场操作，他没有提及最低存款准备金。 -
第8题：
The rate of interest paid on a bank loan will depend () your firm’s standing with the bank and may be 2 per cent or 3 percent.
A、of
B、upon
C、for
D、in
参考答案：B
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第9题：
听力原文：M: The rate on a personal loan is fixed according to the base rate at the time when the loan is made.
W: But it is always higher than the base rate, isn't it?
Q: What is determined when a personal loan is made?
(14)
A．Rate on the personal loan.
B．Base rate of the bank.
C．The amount of payment.
D．Personal loan's time period.
正确答案：A
解析：根据对话中"The rate on a personal loan is fixed"可知A项正确。 -
第10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 & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
High Interest: Higher on Large amount
Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; 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.
According to the passage, which of the following is NOT true about Star CD? （ ）A.The minimum amount to invest is USD 2000.
B.You may choose any maturity date as you wish.
C.The rates on certificate of deposits may vary day to day.
D.Separate certificates of deposits will be issued for additional deposits.答案：B解析：本题考查细节理解。
【关键词】not true; about Star CD
【主题句】
第七段The minimum amount accepted is USD 2000. 最低投资金额为2000美元。
第五段You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. 您可以选择任何到期日，最短期限为7天，最长期限为1年，以满足您的需求。
第三段The rate may vary on day-to day basis. 利率可能每天都有所不同。
倒数第三段Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits. 存入账户的额外金额将被视为新鲜存款，并将为此类存款发放单独的存款凭证。
【解析】题目意为“关于‘星光’大额存款计划，以下哪个选项不正确？”。选项A意为“最低投资金额为2000美元”；选项B意为“您可以根据您的意愿选择任何到期日”；选项C意为“利率可能每天都有所不同”；选项D意为“将为额外存款发放单独的存款证明书”。根据主题句，到期日必须在7天到1年之间，因此不能随意选择到期日，故选项B错误。 -
第11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 & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
High Interest: Higher on Large amount
Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; 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.
For deposit running for more than 30 days, early withdrawal may be （ ）, （ ） penalty or charge.A.allowed, without
B.banned, with
C.allowed, with
D.banned, without答案：A解析：本题考查细节理解。
【关键词】deposit running for more than 30 days; early withdrawal; penalty or charge.
【主题句】
最后一段Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. There is no other penalty or charge on early withdrawal. However, no interest shall be paid on the deposit which runs for less than 30 days. 在其到期日之前撤回存款可由银行酌情决定。提前退出时没有其他处罚或收费。但是，对于运行时间少于30天不应支付利息。
【解析】题目意为“对于存款时间少于30天的情况，提出退出___，_____处罚或罚款”。根据主题句，提前退出可由银行酌情决定，但无需受到处罚或收费，只是运行时间少于30天不应支付利息。选项A与题意相符，因此正确。 -
第12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 & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
High Interest: Higher on Large amount
Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; 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.
Bank of India CDs are safe because （ ）A.CD is a safe instrument.
B.Bank of India is safe.
C.CD is insured
D.All of the above答案：D解析：本题考查细节理解。
【关键词】Bank of India CDs; safe; because
【主题句】
第一段Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. 银行大额存单（CD）是大多数投资者普遍选择投资的工具。印度银行的大额存单是安全的，联邦存款保险公司（FDIC）投保，并提供体面的回报。没有经纪人，没有收费或隐藏费用。
【解析】题目意为“印度银行大额存单是安全的，因为______。” 选项A意为“大额存单是一个安全的工具”；选项B意为“印度银行是安全的”；选项C意为“大额存单被投保”；选项D意为“以上皆是”。根据主题句，选项A、B、C均提到，因此选项D正确。
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第13题：
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.
正确答案：B
解析：根据女士的回答，贴现率是根据单据的款项、贴现的时间和数额及出票人和收票人的信誉来定的，由此可知他们谈论的是汇票的贴现率。 -
第14题：
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.
正确答案：C
解析：录音原文提到Margins mainly depend on…the rate of interest shah be firm．所以C选项正确。 -
第15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.
正确答案：C
解析：根据对话可知，CDs比定期存款(fixed-term deposit)更加灵活，但利率较CDs低，也就是定期存款利率要高。 -
第16题：
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.
正确答案：D
解析：当向银行借款签订合同时，应该规定利率、还款日期、定期付款的数额及利息等等，对话中没有提及D项“规定经济担保人”。 -
第17题：
听力原文：W: I wish to cash this cheque from U. S. A. , but the man in the next window told me to bring it here.
M: Oh, yes. This is a personal cheque. We wouldn't be able to cash it for you until the proceeds are collected from the paying bank.
Q: What does the man mean?
(16)
A．The woman can't get cash before the proceeds are collected.
B．There is something wrong with the proceeds.
C．The woman will be paid directly by the paying bank.
D．The personal cheque can't be encashed over the counter.
正确答案：A
解析：男士说女士的是个人支票，他们不能给她兑换现金"until the proceeds are collected from the paying bank."，即“直到从付款银行那里收到进款”。 -
第18题：
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.
正确答案：C
解析：单句意思为“利率风险是指银行在不利的利率变动中暴露出的财务风险”。A项因果关 系颠倒，B项没有提及，D项“favour”一词与原句“adverse”相矛盾。 -
第19题：
The statements concerning nominal and real interest rate are true except that ______.
A．the nominal interest rate is the growth rate of your money
B．the real interest rate is the growth rate of your purchasing power
C．the nominal rate is the real interest rate deducted by the rate of inflation
D．all of the above statements
正确答案：C
解析：名义利率减去通货膨胀率等于实际利率。nominal interest rate名义利率。 -
第20题：
听力原文：W: Well, yes. What about interests on those accounts? I'm interested in fixed time deposits accounts.
M: There are three kinds of fixed deposits, Madame. They are three-month, six-month and twelve-month deposits. The interest on a three-month deposit is 4.5% per annum, on six month 5%, on twelve month 5.5%.
Q: What is the interest rate on a six month deposit?
(12)
A．4%.
B．4.5%.
C．5%.
D．5.5%.
正确答案：C
解析：根据男士回答"On six month 5%"，可知答案为C选项。 -
第21题：
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
正确答案：C
解析：句意：银行向贷款人索取足够的利息以支付银行日常开销，并保证部分盈余。这里表示索取费用的词是charge。receive收到。pay支付，交纳。 -
第22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 & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
High Interest: Higher on Large amount
Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; 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.
The CD’s annual percentage yield is （ ） annual interest rate.A.more than
B.less than
C.the same as
D.not comparable with答案：C解析：本题考查细节理解。
【关键词】The CD’s annual percentage yield; annual interest rate
【主题句】
第三段For CD’s of above $250,000.00, the interest is simple i.e not compounded; therefore, annual percentage yield is same as annual interest rate. 对于250,000美金以上的大额存单，利息是单利的，不是复利的；因此，其年收益与年利率相同。
【解析】题目意为“大额存单年收益率与年利率______。” 选项A意为“多于”；选项B意为“少于”；选项C意为“一样”；选项D意为“不可比拟”。根据主题句，年收益与年利率相同，因此选项C正确。 -
第23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 & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
High Interest: Higher on Large amount
Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; 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.答案：C解析：本题考查细节理解。
【关键词】the following statements; true
【主题句】
第五段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. 您可以选择任何到期日，最短期限为7天，最长期限为1年，以满足您的需求。在没有任何其他说明的情况下，您的大额存单按照续约日期的利率自动再续期同期。
【解析】题目意为“以下哪个选项是正确的？” 选项A意为“除非有其他说明，大额存单才能自动续期同期”；选项B意为“大额存单不会按照续约日期的利率自动再续期同期”；选项C意为“大额存单会自动续期同等时间，无需任何其他说明”；选项D意为“只有经银行经理许可，大额存单方可自动续期同期”。根据主题句，选项C与题意相符，因此正确。