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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

题目

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.

相似考题

1.The banks will be punished by the Reserve Bank if they refuse to cooperate.A．RightB．WrongC．Doesn't say

2.A sound bank will not suffer from the bankruptcy of other unrelated banks.A．RightB．WrongC．Doesn't say

3.American students learn business skills in school. Here is a story about some American students who learnt business skills by operating their own banks. In December 1987, the Twiglet Bank was opened at an Elementary School in Miami, Florida. It is a real bank that accepts money for savings and makes loans, and it is operated by students between 10 and 12 years old.The bank is open for one hour two days a week. Students can put their money into the bank and withdraw it as they wish. Officials from a local bank helped the students start the bank. They trained twenty-three of them to do all the different kinds of bank jobs, from counting money to guarding the bank. The students needed money to start the bank. They raised more than $ 2,000 by selling 50-dollar shares in the bank to parents, teachers, the local bank workers, and customers. Organizing and operating the bank has taught the children a lot about the banking business. They have learned about raising and investing money and how to use computers and other banking equipment. They have also learned how to ask for a job and to be responsible for their jobs.1. Who helped these children start a bank()A. ParentsB. TeachersC. Bank staff2. How did children raise money for their bank()A. Their schools provided financial support for them.B. They sold shares to their parents, teachers, local bank workers and customers.C. They found an organization to donate a set of fund.3. Who is currently operating Twiglet Bank()A. TeenagersB. CommunityC. Government4. Which is not TRUE for the benefits of children from operating their own banks()A. They learned how to use computers and banking equipment.B. They learned how to find a job and do it well.C. They learned how to produce the money.5. What is the best title for this passage()A. A Bank of MiamiB. A Students’ BankC. The Operation of American Banks

4.In order to (56) foreign exchange administration, maintain strong balance of payments position, China (57) the Regulations on Foreign Exchange Administration on January 29,1996. The State Administration of Foreign Exchange is the agency responsible for foreign exchange administration. The SAFE has a similar branch structure with that of the People's Bank of China, China's central bank. The Bank of China (58) the principal foreign exchange bank. Other banks and financial institutions, (59) affiliates of non-resident banks, (60) designed transactions with the approval of the SAFE.(41)A．developB．improveC．changeD．conduct

更多“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”相关问题

  • 第1题：

    听力原文：Although banks are involved in documentary collection, they offer no bank guarantee to either the buyer or the seller.

    (10)

    A．Banks may guarantee the buyer or the seller in documentary collection.

    B．Banks act as agents without responsibility of guarantee on either side.

    C．Banks offer bank guarantee to both the buyer and the seller in documentary collection.

    D．Banks are only responsible for the buyer in documentary collection.


    正确答案：B
    解析：单句意思为“银行在跟单托收中没有义务向买方或是卖方提供银行担保。”

  • 第2题：

    Which of the following is implied in the passage?

    A．A very important purpose of bank-supervision is to provide adequate capital for their operation.

    B．A very important purpose of bank-supervision is to ensure banks to operate with adequate capital.

    C．A very important purpose of bank-supervision is to put additional restrictions on the banks' operations.

    D．A very important purpose of bank-supervision is to concentrate on risks.


    正确答案：B
    解析：通读全文，可推知这段文章所隐含的意思是银行监管的目的在于保证资本的充足率。

  • 第3题：

    What will happen if there is one commercial bank and no thrifts in a small town?

    A．The residents will deposit their money with the bank.

    B．The local bank will provide business loans to the commercial bank.

    C．Some large banks will transport money by check to the bank.

    D．People in the area will not deposit money with the bank.


    正确答案：A
    解析：文章第二段提到If there is one commercial bank...deposit their funds in the local bank.在一些偏远地区的小镇，如果只有一家商业银行而没有其他银行的时候，居民会把钱存入当地的银行。

  • 第4题：

    听力原文：Actually, in China by now, the dominant users of smart cards are not banks, but governments and commercial organizations.

    (6)

    A．The majority of smart cards users are governments and commercial organizations.

    B．Many users of smart cards are powerful in governments and commercial organizations.

    C．The dominant users of smart cards are banks in China by now.

    D．The dominant users of smart cards used to he banks in China.


    正确答案：A
    解析：单句意思为“事实上，目前在中国，智能卡的主要使用者不是银行，而是政府和商业机构。”B项对“dominant”一词理解有误，C项与句意相反，D项没有提及。

  • 第5题：

    听力原文：In dealing with collections, banks will do nothing but follow the collection order.

    (9)

    A．In dealing with collections, banks will do nothing to follow the collection order.

    B．Banks will do something in dealing with the collection order.

    C．Banks should strictly follow the instructions in the collection order.

    D．In dealing with collections, the bank is usually useless.


    正确答案：C
    解析：单句意思为“在托收中，银行所要做的就是遵循托收指示。”

  • 第6题：

    The correspondent bank can only make money for its services to other banks from deposit balances maintained by bank customers.

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：B
    解析：文中第一句话The correspondent banks are paid indirectly,...as well as by direct money payments.可以看出。

  • 第7题：

    The World Bank says a large proportion of the poor have no ________ to banks.

    A.entry
    B.path
    C.road
    D.access

    答案：D
    解析：
    本题考察词义辨析，题目意为“世界银行称有很大一部分穷人没能使用银行。”A选项意为“进入，入口”，B选项意为“道路，小路”，C选项意为“公路，马路”，D选项意为“进入，通路”。固定搭配 have （no） access to （不可）使用，接近。
    　　

  • 第8题：

    资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
    The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
    Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
    As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
    In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
    There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
    Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
    The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
    i.Managing the monetary system and money supply of the USA;
    ii.Providing funds as the lender of last report;
    iii.Providing for an efficient cherub clearing system;
    iiii.Providing a rigorous banking supervision system.

    Which of the following is TRUE?（ ）

    A.The Fed undertakes banking supervision over banking system in the USA.
    B.The savings banks in the USA are authorized to do real estate business by some states’ law.
    C.Specialized banks in the USA provide funds as the lender of last resort.
    D.Specialized banks in the USA are the same to those in China.

    答案：A
    解析：
    本题考查细节理解。
    【关键词】which of the following; true
    【主题句】
    第五段In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）. 在美国，还有专业银行，包括艾契法案银行，国际银行业务机构，银行家银行，储蓄银行，储蓄和贷款协会，信用合作社和政府拥有的以及房地产投资信托基金会（TEIT ）。
    倒数第一段The Federal Reserve Act （FRA） 1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
    i.Managing the monetary system and money supply of the USA;
    ii.Providing funds as the lender of last resort
    iii.Providing for an efficient cherub clearing system;
    iiii.Providing a rigorous banking supervision system.
    1913年美国联邦储备法（FRA）规定了美联储的权力，除了正常的中央银行的目标外，还强调以下几点。
    i管理美国的货币体系和货币供应；
    ii提供资金作为最后贷款人；
    iii提供高效的清算系统；
    iiii提供严格的银行监督系统。
    【解析】题目意为“以下哪个选项正确？”选项A意为“美联储对美国的银行体系进行银行监管”；选项B意为“美国的储蓄银行有权根据一些州的法律从事房地产业务”；选项C意为“美国的专业银行为最后贷款人提供资金”；选项D意为“美国的专业银行与中国的专业银行相同”。根据主题句，美联储是作为最后贷款人提供资金，选项C错误；选项B和D内容在文章中并未提及；因此，只有选项A与题意相符。

  • 第9题：

    资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
    The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
    Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
    As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
    In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
    There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
    Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
    The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
    i.Managing the monetary system and money supply of the USA;
    ii.Providing funds as the lender of last report;
    iii.Providing for an efficient cherub clearing system;
    iiii.Providing a rigorous banking supervision system.

    What is included in the commercial banking system of the USA?（ ）

    A.The Fed banks, the State banking and group banking.
    B.The Fed banking, the state banking and group banking.
    C.Unit banking, group banking and branch banking.
    D.Specialized banks, group banking and unit banking.

    答案：C
    解析：
    本题考查细节理解。
    【关键词】included in the commercial banking system of the USA
    【主题句】
    第一段最后一句Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking. 现在让我们看看商业银行的组织结构，其中包括单位银行，集团银行和分支银行。
    【解析】题目意为“美国商业银行系统包括什么？”根据主题句，选项C与题意完全相符。

  • 第10题：

    共用题干
    第三篇

    Swiss Banks

    Since the early 1930s,Swiss banks had prided themselves on their system of banking secrecy and numbered accounts.Over the years,they had successfully withstood every challenge to this system by their own government who, in turn,had been frequently urged by foreign governments to reveal information about the financial affairs of certain account holders.The result of this policy of secrecy was that a kind of mystique had grown up around Swiss banking. There was a widely-held belief that Switzerland was irresistible to wealthy foreigners,mainly because of its numbered accounts and bankers' reluctance to ask awkward questions of depositors.Contributing to the mystique was the
    view,carefully propagated by the banks themselves,that if this secret was ever given up,foreigners would fall over themselves in the rush to withdraw money,and the Swiss banking system would virtually collapse overnight.
    To many,therefore,it came like a bolt out of the blue,when,in 1977,the Swiss banks announced they had signed a pact with the Swiss National Bank(the Central Bank).The aim of the agreement was to prevent the improper use of the country's bank secrecy laws, and its effect to curb （遏制）severely the system of secrecy.
    The rules which the banks had agreed to observe made the opening of numbered accounts subject to much closer scrutiny than before.The banks would be required,if necessary,to identify the origin of foreign fund going into numbered and other accounts.The idea was to stop such accounts being used for dubious（可疑的）purposes.Also,they agreed not to accept funds resulting from tax evasion or from crime.
    The pact represented essentially a tightening up of banking rules.Although the banks agreed to end relations with clients whose identities were unclear or who were performing improper acts,they were still not obliged to inform on a client to anyone,including the Swiss government.To some extent,therefore,the principle of secrecy had been maintained.

    Swiss banks took pride in________.
    A:the number of their accounts
    B:withholding client information
    C:being mysterious to the outsiders
    D:attracting wealthy foreign clients

    答案：B
    解析：
    文章开头就提到“prided themselves on their system of banking secrecy and numbered accounts”，瑞士银行对他们的保密系统和编号账户体系引以为自豪，而且，多年来他们已经成功地抵制了对这一体制的挑战，内容与选项B吻合。
    第一段的第四句提到，瑞士银行不会向其存款人提难堪的问题，由此推断，银行不会批评或者否定自己，相反，他们会为自己辫护，所以选D。 deny：否认，criticize：批评；银行既然维护了顾客的利益，没有理由受到批评，review：复习，意思不对。
    文章一开始就提及了银行保密系统的问题，并列举了此问题带来的批评和所采取的措施。文章最后一句指出，在某种程度上，保密原则得以维持，由此可以判断，银行政策的改变只是表面的、肤浅的。
    第三段说到银行的一揽子规定，下面的几句详细地描述了其采取的措施，选项A、B、C的信息不完整，正确答案为D，即前面几个选项提到的内容。
    文章第二段中间提到一揽子计划的目的在于“to prevent the improper use of the country's bank secrecy laws”，即对银行保密系统的不恰当的利用，而A（吸引很多的富人）、C（增加瑞士银行的账户数量）、D（为瑞士银行增添神秘色彩）意思都不恰当，所以选B。

  • 第11题：

    共用题干
    第三篇

    Swiss Banks

    Since the early 1930s,Swiss banks had prided themselves on their system of banking secrecy and numbered accounts.Over the years,they had successfully withstood every challenge to this system by their own government who, in turn,had been frequently urged by foreign governments to reveal information about the financial affairs of certain account holders.The result of this policy of secrecy was that a kind of mystique had grown up around Swiss banking. There was a widely-held belief that Switzerland was irresistible to wealthy foreigners,mainly because of its numbered accounts and bankers' reluctance to ask awkward questions of depositors.Contributing to the mystique was the
    view,carefully propagated by the banks themselves,that if this secret was ever given up,foreigners would fall over themselves in the rush to withdraw money,and the Swiss banking system would virtually collapse overnight.
    To many,therefore,it came like a bolt out of the blue,when,in 1977,the Swiss banks announced they had signed a pact with the Swiss National Bank(the Central Bank).The aim of the agreement was to prevent the improper use of the country's bank secrecy laws, and its effect to curb （遏制）severely the system of secrecy.
    The rules which the banks had agreed to observe made the opening of numbered accounts subject to much closer scrutiny than before.The banks would be required,if necessary,to identify the origin of foreign fund going into numbered and other accounts.The idea was to stop such accounts being used for dubious（可疑的）purposes.Also,they agreed not to accept funds resulting from tax evasion or from crime.
    The pact represented essentially a tightening up of banking rules.Although the banks agreed to end relations with clients whose identities were unclear or who were performing improper acts,they were still not obliged to inform on a client to anyone,including the Swiss government.To some extent,therefore,the principle of secrecy had been maintained.

    The purpose of the pact signed with the Swiss National Bank was________.
    A:to attract more wealthy foreigners to the bank
    B:to stop improper use of the banking secrecy laws of the country
    C:to increase the numbered accounts of the Swiss Banks
    D:to add mystery to Swiss Banks

    答案：B
    解析：
    文章开头就提到“prided themselves on their system of banking secrecy and numbered accounts”，瑞士银行对他们的保密系统和编号账户体系引以为自豪，而且，多年来他们已经成功地抵制了对这一体制的挑战，内容与选项B吻合。
    第一段的第四句提到，瑞士银行不会向其存款人提难堪的问题，由此推断，银行不会批评或者否定自己，相反，他们会为自己辫护，所以选D。 deny：否认，criticize：批评；银行既然维护了顾客的利益，没有理由受到批评，review：复习，意思不对。
    文章一开始就提及了银行保密系统的问题，并列举了此问题带来的批评和所采取的措施。文章最后一句指出，在某种程度上，保密原则得以维持，由此可以判断，银行政策的改变只是表面的、肤浅的。
    第三段说到银行的一揽子规定，下面的几句详细地描述了其采取的措施，选项A、B、C的信息不完整，正确答案为D，即前面几个选项提到的内容。
    文章第二段中间提到一揽子计划的目的在于“to prevent the improper use of the country's bank secrecy laws”，即对银行保密系统的不恰当的利用，而A（吸引很多的富人）、C（增加瑞士银行的账户数量）、D（为瑞士银行增添神秘色彩）意思都不恰当，所以选B。

  • 第12题：

    单选题
    Which of the following is NOT the purpose of America’s central bank?
    A

    Controlling the flow of money in the economy.

    B

    Overseeing the activities of banks.

    C

    Producing and distributing bank notes and coins.

    D

    Contributing to the maintenance of a stable financial system.


    正确答案： B
    解析：
    特定信息的找寻和判断。关于美国中央银行的目标，录音中指出“Its purpose is to control the flow of money in the economy, to supervise banking activity and to protect the financial system”，表明其目标是控制货币流量，监督银行业活动，并且保护金融体系。分别对应选项A，B和D的内容，唯有C项（制造与发行纸币和硬币）未曾提及。
    【录音原文】
    America’s Central Bank is part of a larger financial system called the United States Federal Reserve System. It is not a single bank, but a banking system with operations that are both public and private. Its purpose is to control the flow of money in the economy, to supervise banking activity and to protect the financial system.

  • 第13题：

    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


    正确答案：C
    解析：句意：银行会面对多种形式的法律风险，包括不充分或不正确的法律建议或错误的法律文书。只有C选项符合题意。

  • 第14题：

    What are large banks in large cities engaged in besides supplying bank deposit services?

    A．They are engaged in international trade.

    B．They do some particular business with foreigners.

    C．They provide some specific ancillary services.

    D．They establish correspondent banks in small cities.


    正确答案：C
    解析：根据文章第一段，C选项文中没提到。

  • 第15题：

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


    正确答案：A
    解析：单句意思为“外国银行若要申请在中国建立分行，那他们应该提前两年在中国设立办事处。”

  • 第16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17题：

    短文理解

    听力原文： The banking system of China evolved from a mono-banking system between the 1940s and the early 1970s. Not until 1978 did China's banking system make a drastic shift in its banking philosophy and structure. The shift is not only a necessity for the country's development, but also acts as a gesture showing the "openness" of the country to the outside world.

    Today, after nearly forty years of rapid development, China is moving towards a modem and market-oriented banking structure although there is still much to be improved to meet the needs of the country's development.

    In the mid 1990s, banks in China began to focus their attention on capital adequacy requirements, non-performing and bad loans, profitability and also the industry's overall expansion strategy. Reforms of monetary and financial system in China are speeding up in the 90s. Existing specialized banks gradually have become commercial banks.

    21. What kind of banking system did China have before the 1980s?

    22.Up to now, how long has China experienced rapid development?

    23.What are the banks in China focusing their attention on?

    (21)

    A．The same system as in the western countries.

    B．A mono-banking system.

    C．A modern banking system.

    D．A commercial banking system.


    正确答案：B
    解析：录音原文提到The banking system of China...between the 1940s and the early 1970s. 20世纪40年代至70年代，中国银行系统从单一系统起步慢慢发展。

  • 第18题：

    A correspondent bank may supply the following services to other commercial banks:A.keeping accounts,B.assisting in the sale or purchase of assets,C.providing information about capital markets

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：A
    解析：从文中第三句话Small banks may have 5 or 6 correspondent banks, which provide many services...可以看出。

  • 第19题：

    资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
    The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
    Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
    As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
    In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
    There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
    Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
    The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
    i.Managing the monetary system and money supply of the USA;
    ii.Providing funds as the lender of last report;
    iii.Providing for an efficient cherub clearing system;
    iiii.Providing a rigorous banking supervision system.

    Which of the following is not true?（ ）

    A.National Banks in the USA refers to “State Banks”.
    B.The group banking system usually exists in the states where branch banking is prohibited.
    C.Stateside branching implies that bank branches are allowed to operate anywhere within the state.
    D.Limited branching allows bank to operate branches within geographic territories authorized by the state law.

    答案：A
    解析：
    本题考查细节理解。
    【关键词】which of the following; not true
    【主题句】
    第一段In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency （OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. 在美利坚合众国，银行被分类为联邦特许银行（即由通货审计官办公室（OCC）发放牌照，被称为“国家银行”）以及国家特许银行（即由监管机构发放牌照，被称为“国有银行”）。
    第三段第二句The group banking system usually exists in the states where branch banking is prohibited. 集团银行系统通常存在于禁止分支银行的州。
    第四段第二句Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. 有限的分支机构允许银行在州法律授权的地域内经营分支机构。美国分支机构意味着银行分支机构可以在该州任何地方运营。
    【解析】题目意为“以下哪个选项不正确？”选项A意为“美国国家银行即是 ‘国有银行’”；选项B意为“集团银行系统通常存在于禁止分支银行的州”；选项C意为“分支机构意味着银行分支机构可以在该州任何地方运营”；选项D意为“有限分支允许银行在州法律授权的地域内经营分支机构”。根据主题句，只有选项A与题意不相符。

  • 第20题：

    资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
    The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
    Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
    As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
    In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
    There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
    Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
    The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
    i.Managing the monetary system and money supply of the USA;
    ii.Providing funds as the lender of last report;
    iii.Providing for an efficient cherub clearing system;
    iiii.Providing a rigorous banking supervision system.

    What is the charting authority of the USA for banks?（ ）

    A.FRA
    B.Laws of states
    C.Fed
    D.OCC

    答案：C
    解析：
    本题考查细节理解。
    【关键词】the charting authority of the USA; for banks
    【主题句】
    倒数第二段Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. 现在让我们看看联邦系统，通常被称为联邦储备银行或“美联储”，这是成立于1913年的美国中央银行。它决定了美国国会制定的准备金限额要求。美联储的职能是通过管理国家的货币供应来稳定经济。
    倒数第一段The Federal Reserve Act （FRA） 1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
    i.Managing the monetary system and money supply of the USA;
    ii.Providing funds as the lender of last resort
    iii.Providing for an efficient cherub clearing system;
    iiii.Providing a rigorous banking supervision system.
    1913年美国联邦储备法（FRA）规定了美联储的权力，除了正常的中央银行的目标外，还强调以下几点。
    i管理美国的货币体系和货币供应；
    ii提供资金作为最后贷款人；
    iii提供高效的清算系统；
    iiii提供严格的银行监督系统。
    【解析】题目意为“美国银行管理当局是？”选项A意为“美国联邦储备法”；选项B意为“国家法律”；选项C意为“美联储”；选项D意为“通货审计官办公室”。根据主题句，美国银行受美联储来监管，因此选项C与题意相符。

  • 第21题：

    共用题干
    第三篇

    Swiss Banks

    Since the early 1930s,Swiss banks had prided themselves on their system of banking secrecy and numbered accounts.Over the years,they had successfully withstood every challenge to this system by their own government who, in turn,had been frequently urged by foreign governments to reveal information about the financial affairs of certain account holders.The result of this policy of secrecy was that a kind of mystique had grown up around Swiss banking. There was a widely-held belief that Switzerland was irresistible to wealthy foreigners,mainly because of its numbered accounts and bankers' reluctance to ask awkward questions of depositors.Contributing to the mystique was the
    view,carefully propagated by the banks themselves,that if this secret was ever given up,foreigners would fall over themselves in the rush to withdraw money,and the Swiss banking system would virtually collapse overnight.
    To many,therefore,it came like a bolt out of the blue,when,in 1977,the Swiss banks announced they had signed a pact with the Swiss National Bank(the Central Bank).The aim of the agreement was to prevent the improper use of the country's bank secrecy laws, and its effect to curb （遏制）severely the system of secrecy.
    The rules which the banks had agreed to observe made the opening of numbered accounts subject to much closer scrutiny than before.The banks would be required,if necessary,to identify the origin of foreign fund going into numbered and other accounts.The idea was to stop such accounts being used for dubious（可疑的）purposes.Also,they agreed not to accept funds resulting from tax evasion or from crime.
    The pact represented essentially a tightening up of banking rules.Although the banks agreed to end relations with clients whose identities were unclear or who were performing improper acts,they were still not obliged to inform on a client to anyone,including the Swiss government.To some extent,therefore,the principle of secrecy had been maintained.

    Swiss banks are tightening its banking rules by________.
    A:examining the origin of foreign funds before going into accounts
    B:preventing doubtful accounts from going into the bank
    C:refusal of funds from crimes or tax evasions
    D:all of the above

    答案：D
    解析：
    文章开头就提到“prided themselves on their system of banking secrecy and numbered accounts”，瑞士银行对他们的保密系统和编号账户体系引以为自豪，而且，多年来他们已经成功地抵制了对这一体制的挑战，内容与选项B吻合。
    第一段的第四句提到，瑞士银行不会向其存款人提难堪的问题，由此推断，银行不会批评或者否定自己，相反，他们会为自己辫护，所以选D。 deny：否认，criticize：批评；银行既然维护了顾客的利益，没有理由受到批评，review：复习，意思不对。
    文章一开始就提及了银行保密系统的问题，并列举了此问题带来的批评和所采取的措施。文章最后一句指出，在某种程度上，保密原则得以维持，由此可以判断，银行政策的改变只是表面的、肤浅的。
    第三段说到银行的一揽子规定，下面的几句详细地描述了其采取的措施，选项A、B、C的信息不完整，正确答案为D，即前面几个选项提到的内容。
    文章第二段中间提到一揽子计划的目的在于“to prevent the improper use of the country's bank secrecy laws”，即对银行保密系统的不恰当的利用，而A（吸引很多的富人）、C（增加瑞士银行的账户数量）、D（为瑞士银行增添神秘色彩）意思都不恰当，所以选B。

  • 第22题：

    共用题干
    第三篇

    Swiss Banks

    Since the early 1930s,Swiss banks had prided themselves on their system of banking secrecy and numbered accounts.Over the years,they had successfully withstood every challenge to this system by their own government who, in turn,had been frequently urged by foreign governments to reveal information about the financial affairs of certain account holders.The result of this policy of secrecy was that a kind of mystique had grown up around Swiss banking. There was a widely-held belief that Switzerland was irresistible to wealthy foreigners,mainly because of its numbered accounts and bankers' reluctance to ask awkward questions of depositors.Contributing to the mystique was the
    view,carefully propagated by the banks themselves,that if this secret was ever given up,foreigners would fall over themselves in the rush to withdraw money,and the Swiss banking system would virtually collapse overnight.
    To many,therefore,it came like a bolt out of the blue,when,in 1977,the Swiss banks announced they had signed a pact with the Swiss National Bank(the Central Bank).The aim of the agreement was to prevent the improper use of the country's bank secrecy laws, and its effect to curb （遏制）severely the system of secrecy.
    The rules which the banks had agreed to observe made the opening of numbered accounts subject to much closer scrutiny than before.The banks would be required,if necessary,to identify the origin of foreign fund going into numbered and other accounts.The idea was to stop such accounts being used for dubious（可疑的）purposes.Also,they agreed not to accept funds resulting from tax evasion or from crime.
    The pact represented essentially a tightening up of banking rules.Although the banks agreed to end relations with clients whose identities were unclear or who were performing improper acts,they were still not obliged to inform on a client to anyone,including the Swiss government.To some extent,therefore,the principle of secrecy had been maintained.

    In the last paragraph,the writer thinks that________.
    A:complete changes had been introduced into Swiss banks
    B:Swiss banks could no long keep client information
    C:changes in the bank policies had been somewhat superficial
    D:more changes need to be considered and made

    答案：C
    解析：
    文章开头就提到“prided themselves on their system of banking secrecy and numbered accounts”，瑞士银行对他们的保密系统和编号账户体系引以为自豪，而且，多年来他们已经成功地抵制了对这一体制的挑战，内容与选项B吻合。
    第一段的第四句提到，瑞士银行不会向其存款人提难堪的问题，由此推断，银行不会批评或者否定自己，相反，他们会为自己辫护，所以选D。 deny：否认，criticize：批评；银行既然维护了顾客的利益，没有理由受到批评，review：复习，意思不对。
    文章一开始就提及了银行保密系统的问题，并列举了此问题带来的批评和所采取的措施。文章最后一句指出，在某种程度上，保密原则得以维持，由此可以判断，银行政策的改变只是表面的、肤浅的。
    第三段说到银行的一揽子规定，下面的几句详细地描述了其采取的措施，选项A、B、C的信息不完整，正确答案为D，即前面几个选项提到的内容。
    文章第二段中间提到一揽子计划的目的在于“to prevent the improper use of the country's bank secrecy laws”，即对银行保密系统的不恰当的利用，而A（吸引很多的富人）、C（增加瑞士银行的账户数量）、D（为瑞士银行增添神秘色彩）意思都不恰当，所以选B。

  • 第23题：

    问答题
    ◆Topic 2: Does blacklisting student loan defaulters help repayments to banks?　　News report:　　Between 2005 and 2007, the China Development Bank offered 1.66 billion yuan worth of loans to 243,000 students from poor families in central China’s Henan Province. Last May, the Bank and the Henan Provincial Education Department jointly issued an ultimatum requiring 223 college graduates to pay off the interest on their student loan within 30 days. Nevertheless, the students failed to repay the debts as required. Now the colleges and banks cannot contact these students after their graduation as they have not notified banks of their changes of address. It is in this situation that the China Development Bank and the Education Department decided to publish the personal information of these students in accordance with relevant regulations concerning student loans.　　Questions for reference:　　1. Should the personal information of these students be published or not? Give your reasons.　　2. How should the student loan system be improved and perfected?　　3. What are the possible consequences that might follow if the personal information of such students are published?

    正确答案： 【参考答案】
    My name is...My registration number is...Today I will talk about the question…Does blacklisting student loan defaulters help repayments to banks?
    Here is the thing: The students have failed to repay the debts as required by banks and they are now out of contact after their graduation as they have not notified banks of their changes of addresses. Therefore some banks have decided to publish the personal information of these students in accordance with relevant regulations concerning student loans. As a consequence, those who fail to contact their schools and banks in time will have their bad credit record included in the central bank’s personal credit information database, which will clearly place a black mark on these students’ future lives and careers.
    This question claims for more comprehensive consideration. Here I want to point out that many people have shown their sympathy for these students. As for students who depend on loans for completing college education, they sometimes have a sense of inferiority and often face some kind of psychological pressure. Faced with the tight employment situation, they are already becoming worried whether they can repay education loans. Now, banks’ exposure of students defaulting on education loans will undoubtedly cast a bigger shadow on them. The exposure of their “bad credit record” would make it difficult for them to find a job after graduation. Worse still, the exposure may even deprive an already employed student of a job, further harming his ability to pay off the loan. In other words, to expose their personal information will often damage students’ reputations and may well deprive many students of valuable future jobs and promotion opportunities, putting them in an even more difficult financial position. One of the ways to deal with loan defaulters is to go to court, file litigation against them, and settle the issue through legal means. On the other hand, banks and education authorities could take further measures and improve the loan system so as to avoid the occurrence of defaulting on payment of education loans.
    解析： 暂无解析

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