niusouti.com
Security is required on loans so that ______.A．the lending bank can enjoy higher interest receipts from the loanB．the borrower is more willing to pay back the moneyC．the funds borrowed will be repaid within a shorter period of timeD．more prime borrowers a
题目
Security is required on loans so that ______.
A．the lending bank can enjoy higher interest receipts from the loan
B．the borrower is more willing to pay back the money
C．the funds borrowed will be repaid within a shorter period of time
D．more prime borrowers are attracted
相似考题
更多“Security is required on loans so that ______.A．the lending bank can enjoy higher interest receipts from the loanB．the borrower is more willing to pay back the moneyC．the funds borrowed will be repaid within a shorter period of timeD．more prime borrowers a”相关问题
-
第1题：
According to the passage, unsecured loans are granted on the basis of ______.
A．the borrower's financial condition
B．the guarantor's financial condition
C．the guarantor's past record of repayment
D．the borrower's pledged assets
正确答案：A
解析：文章第二段提到Unsecured loans…and financial condition，信用贷款是依照借款人的财务状况、预期收人情况以及过去的还款记录发放的。 -
第2题：
单句理解
听力原文：More common for lending transactions today is compound interest.
(1)
A．Lending covenants now are often made at compound interest.
B．Lending transactions now are often made at compound interest.
C．Lending decisions now are often made at compound interest.
D．Lending proposals now are often made at compound interest.
正确答案：B
解析：录音指“现今复利对于贷款交易更加常见”。lending transactions贷款交易。lending covenants贷款保证契约。lending decisions贷款决策。lending proposals贷款申请。 -
第3题：
The borrower may draw the funds from the credit aggregates within the time limit for expanding their operations.
A．Right
B．Wrong
C．Doesn't say
正确答案：A
解析：整个第一段和第二段第一句都说明了在确定的时期内，定期贷款可能被用作扩大经营，a major plant expansion(企业扩大)所带来的提示。 -
第4题：
Under the documentary credit, which of the following is false?
A．The buyer's bank will issue a documentary credit.
B．The seller has his bank's undertaking to pay.
C．If the seller presents the correct documents, he will be paid.
D．A bank acts as an intermediary between the buyer and seller and is willing to provide trade.
正确答案：B
解析：跟单信用证结算方式下，买方银行会以另一国的卖方为受益人开立信用证，承诺如果卖方能提供合格的单据就会得到该银行(非卖方银行保证)的付款，银行充当信用中介，并可以为买卖双方提供贸易服务。所以，B选项不正确。 -
第5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.
正确答案：A
解析：根据男士的话可知银行对投机性高的贷款申请的态度是“decline”，即“拒绝”，A项正确。 -
第6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7题：
Retrofitting houses to use less energy should be a no-brainer for homeowners.（1）time,money spent on ways to reduce heat loss from draughty houses should produce a（2）return in lower fuel bills.In practice,many are cautious.Some improvements,such as solid-wall insulation and solar panels,can take over 25 years to（3）their initial cost.Few owners are willing to wait that long by then many are likely to have（4）and moved on Several governments have started finance schemes designed to（5）this problem.Since 2008 PaCE programmes have offered American homeowners loans to（6）improvements,repaid through higher local taxes on the property,（7）it belongs to.In Britain,the Green Deal offers loans over a 25-year period,with repayments added to energy bills.Countries including France and Canada have similar（8）In theory,these schemes should boost investment in common energy-saving measures,such as extra insulation and new boilers,（9）the first owner does not have to pay all the costs in advance But enrolment rates have（10）,according to Sean Kidney at the Climate Bonds Initiative,a think tank.In Britain,just 1%of those assesseed for the Green Deal have signed up.In Berkeley,California,home of the first PACe scheme,the（11）rate is similarly low.Homeowners are（12）chiefly because the interest rates on the loans look high.The Green Deal charges 7%;some PaCe schemes a hefty 8%.As these rates are fixed for decades,they will（13）look unattractive when（as now）short-term interest rates are low Many people also（14）they will save enough on their energy bills to cover the repayments Fc or instance（15）in britain that installing loft insulation can cut energy bills by 20%have been dented by a government study that found it（16）gas consumption by only 1.7%on average.Others fear that green loans may reduce the value of their home.In America,firms that underwn mortgages are（17）PACE loans Green loans have not been a failure everywhere.Around 250,000 households in Germany（18）for them each year.They do so（19）they need pay only 1%interest on them each year thanks to an annual public subsidy of 1.5 billion.Whether that is a（an）（20）use of taxpayers’money is another question（16）选？A.reduced
B.produced
C.increased
D.decline答案：A解析：词汇辨析题。A.reduced减少;B.produced产生;C.increased增加;D.de-clined下降。该空的16 gas consumption与上文cut energy bills是同义替换关系,out表示“减少”,故该题填人reduced,属于同义复现;此外,下文也明确提到reduce一词,又与下文形成原词复现。而D.虽然也有“下降”的意思,但该词表示的“下降”为不及物动词,后面不接宾语。综上,本题选择A. -
第8题：
What does“down payment”refer to in the passage? __________A.Money borrowed from a bank as a mortgage
B.Money paid to a bank before the mortgages is given
C.Interest received by a person who borrows money as the mortgages
D.Interest charged by a bank on a mortgage答案：B解析：从文章末段倒数第二句“111e bankwillthenlend youthe rest ofthemoneyto buythe house”可以推知“down payment”是在取得贷款之前自己先支付的那部分款项。即首付款。故选B项。 -
第9题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.Interest is the amount of money which
A:a bank lends to people.
B:a bank loans to businesses.
C:a bank pays you.
D:a bank uses.答案：C解析： -
第10题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.A bank statement tells you
A:the amount of money you have in the bank.
B:the current rates of interest.
C:the current rates of exchange.
D:the best way to save your money.答案：A解析： -
第11题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.If you draw your money before it is due,you will have to
A:pay interest to the bank.
B:close your account.
C:open a new account.
D:pay a penalty or fee.答案：D解析： -
第12题：
共用题干
第三篇
Saving Money
Where you save your money often depends on what you are saving for. If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?
One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in?If you put your money in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you how much money there is in your account. It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow. You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.
You can't touch your money during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account. Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So, you may want to compare rates in newspaper ads before buying a CD.If you draw your money before it is due,_______.
A:you have to pay interest to the bank
B: you have to close your account
C:you have to open a new account
D:you have to pay a penalty or fee答案：D解析：文章第三段提到“Putting your money in a savings account will help your money earn more money"，因此选D。
第四段第二句“Interest is the amount of money a bank pays you to use your money"，利息是银行付给储户的钱。
第五段第二句提到bank statement告诉储户账户里有多少钱，其中利息收入是多少。
第七段说到如果你提前支取，会被收取一定的费用，所以选D。
touch在此的意思是储户在储蓄期内不可以取钱，因此选C。 -
第13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.
正确答案：A
解析：购买住房等不动产的贷款一般期限较长，所以会被要求进行抵押贷款。所以，只有A项符合题意。 -
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： Some banks offer other types of loans repayable by monthly installments, such as business development loans, house improvement loans, and farm development loans. These may be either secured or unsecured. Secured loans attract a slightly lower rate of interest than unsecured loans. Some banks offer revolving credit schemes. These normally involve loans repayable by regular monthly installments, but they differ from other loans repayable by installments in two respects. First, the borrower need not take up the full amount of the loan at the outset. Secondly, as his repayments reduce his indebtedness, he can "top up" his loan by borrowing more, provided that the total debt outstanding does not exceed his agreed credit limit. In 1967 some banks introduced a new form. of account called a "budget account". The object is to allow personal customers to spread the incidence of normal personal and household expenditure.
24. Which of the following loans is not repaid by installments?
25.Which of the following loans would attract a lower rate of interest?
26.How does a borrower "top up" his loan?
27.What is the objective of introduction of the budget account?
(24)
A．Business development loans.
B．House improvement loans.
C．Farm development loans.
D．Overdrafts.
正确答案：D
解析：录音原文一开始提到Some banks offer...and farm development loans. 一些银行推出其他种类按月分期还款的贷款，例如商业发展贷款、住房改善贷款和农业发展贷款。 -
第16题：
Who may supply business loans in a remote area if there is no financial intermediaries offering such services?
A．The local bank in the area.
B．Business companies.
C．Brokers in the Federal Funds.
D．Correspondent banks.
正确答案：A
解析：文章第二段提到If there are no...the local bank supplies most of these loans. 在一些偏远的地区，如果没有提供商业贷款服务金融中介机构，就由当地的社区银行来提供这些贷款服务。 -
第17题：
If you are staying in the UK for more than 6 months, it may be useful to open a UK bank account. There are a lot of advantages of having a UK current (checking) account:
Paying bills
Many landlords prefer to collect rent directly from a bank account.
You may be able to obtain cheaper services if you pay bills directly from a bank account，e. g. telephone, gas/water/electricity.
If you are given a chequebook, you can also write cheques as a safe way of paying for things.
Cash
You can easily obtain money from cash machines，or pay directly from your account using a debit card(借记卡).
Saving money
It is generally cheaper to use a UK account than it is to pay by credit card(信用卡)or withdraw (提取) cash from a foreign bank.
Employment
If you work in the UK，some employers require you to have a bank account so that you can get your pay.
Advantages of UK Current Account
Paying bills： 1) to pay rent directly from ①
2) to obtain ② services
3) to pay for things with cheques safely
Cash：1)to obtain money from ③ easily
21 to pay directly from your account
Saving money：cheaper to use a ④ account
Employment：to get your ⑤ through a bank account
答案：①bank account②cheaper③cash machines④UK⑤pay
-
第18题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert,then probably you would keep your money
somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'II have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and the
money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.If you draw your money before it is due,you will have to
A:pay interest to the bank.
B:close your account.
C:open a new account.
D:pay a penalty or fee,答案：D解析： -
第19题：
If American people borrow money from the bank for 25 years，this means that the person who borrows__________．A.has twenty-five years to pay back the money
B.has more than twenty-five years to pay back the money
C.has less twenty-five years to pay back the money
D.has about twenty-five years to pay back the money答案：A解析：从文章第一段“The bank usually lends money or gives a mortgage for twenty—five years”得出银行的借期是25年，是一个准确的数字，而不是多于、少于或大约25年。故选A项。 -
第20题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.If you draw your money before it is due,
A:you have to pay interest to the bank.
B:you have to close your account.
C:you have to open a new account.
D:you have to pay a penalty or fee.答案：D解析： -
第21题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.The word"touch" in paragraph 7 could be best replaced by
A:"deposit".
B:"work".
C:"use".
D:"cash".答案：C解析： -
第22题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.Which way will help your money earn more money?
A:Putting your money in your room.
B:Putting your money in a piggy bank.
C:Putting your money in your pocket.
D:Putting your money in a savings account.答案：D解析： -
第23题：
共用题干
第三篇
Saving Money
Where you save your money often depends on what you are saving for. If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?
One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in?If you put your money in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you how much money there is in your account. It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow. You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.
You can't touch your money during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account. Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So, you may want to compare rates in newspaper ads before buying a CD.A bank statement tells you_______.
A:the amount of money you have in the bank
B:the current rates of interest
C:the current rates of exchange
D:the best way to save your money答案：A解析：文章第三段提到“Putting your money in a savings account will help your money earn more money"，因此选D。
第四段第二句“Interest is the amount of money a bank pays you to use your money"，利息是银行付给储户的钱。
第五段第二句提到bank statement告诉储户账户里有多少钱，其中利息收入是多少。
第七段说到如果你提前支取，会被收取一定的费用，所以选D。
touch在此的意思是储户在储蓄期内不可以取钱，因此选C。