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.
The bank's request for loan security is ______.
A.to make the loan more profitable
B.to make the loan more diversified
C.to reduce the loss in case of default
D.to guard against deterioration of loan collateral
(4)
A.The bank must take the purpose of loan into consideration carefully.
B.The bank wonders if the loan is used for illegal or speculative purpose.
C.The bank worries that the loan is used for illegal or speculative purpose.
D.The bank must consider a way for the loan to be used for speculative purpose.
W: But it is always higher than the base rate, isn't it?
Q: What is determined when a personal loan is made?
(14)
A.Rate on the personal loan.
B.Base rate of the bank.
C.The amount of payment.
D.Personal loan's time period.
The periods of short-term loan is less than one year.
A.Right
B.Wrong
C.Doesn't say
听力原文:M: I've got my loan proposal approved.
W: That's good news. But be sure that you can get enough money to repay the loan when it is due.
Q: What does the woman worry about?
(13)
A.The loan proposal.
B.His repayment capability.
C.The bank's money.
D.Her own money.
听力原文:M: How to decide the amount of the loan granted to a banker's customer?
W: The banker will examine the detailed financial statements of the customer before making a decision.
Q: What should a banker do before a loan is made?
(13)
A.To make a decision quickly.
B.To make friends with the customer.
C.To know the position of the customer.
D.To examine the details of the financial statements.
A.the bank can always protect its right regardless of the efficacy of related loan agreements
B.the principal debtor would be liable
C.the creditor may find the contract unenforceable against the primary debtor
D.the efficacy of loan agreement is more important than ever
A.the lending bank
B.the borrower
C.the guarantor
D.the guarantee