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听力原文：Some banks offer other types of loans repayable by monthly installments, such as

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.

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更多“听力原文：Some banks offer other ty…”相关的问题

第1题

听力原文：M: It is reported that in some countries banks are not allowed to make investment

s in equity securities.

W: Generally commercial banks may invest only in those securities that are rated as "investment grade", or have bond ratings in the top four categories.

Q: Where are banks only allowed to make investments？

(15)

A．In equity securities.

B．In personal funds.

C．In securities rated as investment grade.

D．In property markets.

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第2题

听力原文：The inter-bank market is important because through banks' lending and borrowing,

听力原文： The inter-bank market is important because through banks' lending and borrowing, a short-term interest rate can be determined. This interest rate indicates the marginal cost of acquiring short-term liquidity needed by banks in the money market. Thus, the lending is usually for short-term liquidity needs which is usually overnight. Some lending transactions may be arranged for a longer period of time, usually up to 3 months. The inter-bank money market is well established and active in Hong Kong, with an average daily turnover of HK $ 38 billion in late 1991. Lenders are mostly the locally incorporated banks and major borrowers are the foreign banks that do not have adequate deposit base in local currency.

28. What can be determined through inter-bank lending and borrowing？

29.How long is the usual period of short-term liquidity needed by banks？

30.Who are the major lenders in the inter-bank market？

(28)

A．A long-term interest rate.

B．A long-term loan.

C．A short-term interest rate.

D．A short-term loan.

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第3题

听力原文：Many banks in America now carry accounts with the Bank of China, Shanghai.（5)A．Ma

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.

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第4题

听力原文：Banks change their base rates fairly infrequently.（5)A．Banks often change their b

听力原文：Banks change their base rates fairly infrequently.

(5)

A．Banks often change their base rate.

B．Banks seldom change their base rate.

C．Banks never change their base rate.

D．Banks change their base rate at regular intervals.

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第5题

听力原文：M: Most banks tend to decline loan proposals which are highly speculative.W: I th

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.

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第6题

听力原文：M: What is a cheque card？W: It was originally issued in UK. British banks started

听力原文：M: What is a cheque card？

W: It was originally issued in UK. British banks started to issue cheque cards in 1965, and as from 1969 all the main commercial banks in Britain agreed to issue a standardized form. of cheque card.

Q: What happened to British banks in 1969？

(17)

A．All the main commercial banks in Britain agreed to issue a standardized form. of cheque card.

B．British banks started to issue credit cards.

C．Customers of British banks may cash their cheques in European countries.

D．Commercial banks in the United States began to issue cheque card.

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第7题

听力原文：M: Can you give an example of types of risks Banks face？W: Yes. The major type of

听力原文：M: Can you give an example of types of risks Banks face？

W: Yes. The major type of risks is called credit risk. It means a counterpart fails to perform. according to a contractual arrangement.

Q: What are they talking about？

(13)

A．A contractual arrangement.

B．A counterpart.

C．Many types of risks.

D．Credit risk.

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第8题

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

efore 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.

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第9题

听力原文：Banks that operate globally are multinational corporations and their management h

as the same profit motives that managers of non-financial corporations have.

(4)

A．Banks with global operations are also referred to as national corporations.

B．Both the banks and non-financial corporations have the same desire to make profit.

C．Managers of non-financial corporations have no profit motives.

D．Non-financial corporations are multinational and operate globally.

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第10题

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

r.

(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.

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