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更多“Interest on a bank overdraft w…”相关的问题
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.
Bank supervisors think ______ most important.
A．capital
B．financial interest
C．shareholders
D．capital minimum
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.
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.
(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.
What is the amount of enterprise income tax (EIT) the Chinese borrower needs to withhold from the annual interest paid to the overseas bank？
A.USD6,000
B.USD15,000
C.USD5,700
D.USD14,250
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.
A、Yes, because with a maturity gap of zero the change in the market value of assets exactly offsets the change in the market value of liabilities.
B、No, because with a maturity gap of zero the change in the market value of assets exactly offsets the change in the market value of liabilities.
C、Yes, because the maturity model does not consider the timing of cash flows.
D、No, because the timing of cash flows is relevant to immunization against interest rate risk exposure.
E、No, because a representative bank will always have a positive maturity gap.
单句理解
听力原文：The interest rates on these small deposits are usually floating rates, and they are usually 2%- 5% below the bank's current base rates.
(1)
A．Bank's current base rates are higher than those on small deposits.
B．Bank's current base rates are lower than those on small deposits.
C．Bank's current base rates are not floating rates.
D．Bank's current base rates are usually floating rates.
听力原文： A certificate of deposit (CD) is a time deposit with a bank. Time deposits may not be withdrawn on demand like a check account. CDs are generally issued by commercial banks but they can be bought through brokerages. They bear a specific maturity date that usually lasts from 3 months to 5 years, a specified interest rate, and can be issued in any denomination, very similar to bonds. CDs offer a slightly higher yield than T-Bills because of the slightly higher default risk for a bank, but overall the likeliness of a large bank going broke is pretty slim. Of course, the amount of interest you earn depends on a number of factors such as the current interest rate environment, how much money you invest, the length of time, and your specific bank.
24. What is a CD？
25.Which of the followings generally issue CDs？
26.How long does a specific maturity usually last？
27.Why do CDs pay higher return to investors than T-bills？
(24)
A．A term deposit that can be drawn at any time.
B．A time deposit with a bank.
C．A current deposit.
D．A cheek account.
