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.
A.Credit Metrics模型
B.Credit Portfolio View模型
C.Credit Monitor模型
D.Credit Risk模型
A.$8,000 debit balance
B.$8,000 credit balance
C.S9,000 credit balance
D.$9,000 debit balance
A.rising
B.arising
C.arose
D.risen
A.The issuing bank will charge a fee for giving a standby credit letter.
B.The issuing bank will charge no fees for giving a standby credit letter.
C.The issuing bank will amend the standby credit letter if appropriate.
D.The issuing bank will revoke the standby credit letter if appropriate.
听力原文:M: I want to apply for a credit card. What are the common credit cards?
W: Master Card, Visa, Discover, and American Express. Apply for the ones without annual fees. Some credit cards even pay you back about 1% - 2% of what you spend.
Q: Which type of credit card is not mentioned in the conversation?
(19)
A.Smart Card.
B.Master Card.
C.Visa Card.
D.American Express.
(10)
A.The issuing bank of an L/C is a bank in the exporter's country.
B.The issuing bank establishes an L/C in favor of the exporter.
C.The issuing bank of an L/C is a bank in the importer's country.
D.The bank that opens the letter of credit on behalf of the importer is the advising bank.
Credit Monitor对有风险贷款和债券进行估值的理论基础是()
A. 保险学的精算理论
B. Merton模型
C. 经济计量学理论
D. 资产组合理论
A.Right
B.Wrong
C.Doesn't say