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.
第1题:
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.
第2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.
第3题:
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.
第4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.
第5题:
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.
第6题:
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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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.
第14题:
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.
第15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.
第16题:
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.
第17题:
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.
第18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
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