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更多“Banks are usually prepared to …”相关的问题
Commercial banks provide long-term mortgage loans to borrowers (consumers) to purchase houses/land. The ownership of the (61) remains in mortgagee and the possession of property usually remains in (62) unless and until the occurrence of default or full repayment. Maturity of such loans is usually 30 years and the interest rates are (63) Maximum amount of such loans is (64) of the property value, and the balance should be paid (65) as down payment.
(46)
A．land
B．property
C．bank
D．credit
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.
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.
(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.
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 Time deposits may not be withdrawn on demand like a check account.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.
短文理解
听力原文： A standby credit letter (SCL) is a contingent obligation of the letter's issuer. The issuing bank agrees to guarantee the credit of its customer or to guarantee the fulfillment of a contract made by its customer with a third party. The issuing bank earns a fee from providing the service of SCL. In general, the fee is relatively low and usually around 0.5 percent to 1 percent of the amount of credit involved due to the following reasons. On the one hand, the issuing bank may have previously analyzed the financial condition of its standby credit customer, and the probability is low that the issuer of the credit guarantee will ever be called upon to pay. On the other hand, the issuing banks carry zero reserve requirements and avoid the booking of additional assets, which would also require each bank to acquire more capital.
21. Is SCL same as revocable letter of credit according to the passage？
22.What will the issuing bank do for a standby credit letter？
23.Why is the service fee of SCL relatively low？
(21)
A．almost the same one
B．rather different
C．a little different
D．doesn't mention
A．cooperative banks
B．thrift banks
C．universal banks
D．commercial Banks
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.
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.
(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.
