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更多“The other banks will be very e…”相关的问题
A．Right
B．Wrong
C．Doesn't say
Banks are subject to various forms of legal risk, including inadequate or incorrect (56) advice or documentation that may result in unexpected decline in the value of (57) or unexpected increase in the value of liabilities. In addition, existing laws may (58) resolve legal issues involving a bank; a court case involving a (59) bank may have wider implications for banking business and involve costs to it and many or all other banks; and, laws (60) banks or other commercial enterprises may change. Banks are particularly susceptible to legal risks when entering new types of transactions and when the legal right of a counterpart to enter into a transaction is not established.
(41)
A．bank
B．financial
C．legal
D．governmental
A．Right
B．Wrong
C．Doesn't say
A bank's liquid assets include following items except ______.
A．notes, coins and bullion
B．current balances with central and other banks
C．money at call and short notice
D．bank's premises
What is the main function of deposit insurance fund？
A．To ensure that the banks have sufficient fund to finance other economic sectors.
B．To protect the banks from all kinds of risks arising from their operation.
C．To meet requirements of financial needs of the public.
D．To pledge to depositors that their money is safe whenever a bank is insolvency.
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.
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
There were red faces at one of Britain's biggest banks recently. They had accepted a telephone order to buy ￡ 100,000 worth of shares from a fifteen-year-old schoolboy (they thought he was twenty-one. The shares fell in value and the schoolboy was unable to pay up. The bank lost ￡ 20,000 on the deal which it cannot get back because, for one thing, this young speculator does not have the money and, for another, being under eighteen, he is not legally liable for his debts. If the shares had risen in value by the same amount that they fell, he would have pocketed ￡ 20,000 profit. Not bad for a fifteen-year-old. It certainly is better than delivering the morning newspaper. In another recent case, a boy of fourteen found, in his grandmother's house, a suitcase full of foreign banknotes. The clean, crisp, banknotes looked very convincing but they were now not used in their country of origin or anywhere else. This young boy headed straight to the nearest bank with his pockets filled with notes. The cashiers did not realise that the country in question had reduced the value of its currency by 90%. They exchanged the notes at their face value at the current exchange rate. In three days, before he was found out, he took ￡ 200,000 from nine different banks. Amazingly, he had already spent more than half of this on taxi- rides, restaurant meals, concert tickets and presents for his many new girlfriends (at least he was generous!) before the police caught up with him. Because he is also under eighteen the banks have kissed goodbye to a lot of money, and several cashiers have lost their jobs.Should we admire these youngsters for being enterprising and showing initiative or condemn them for their dishonesty？ Maybe they had managed for years with tiny amounts of pocket money that they got from tight-listed parents. Maybe they had done Saturday jobs for peanuts. It is hardly surprising, given the expensive things that young people want to buy, such as fashionable running shoes and computer games, if they sometimes think up more imaginative ways of making money than delivering newspapers and baby-sitting. These lads saw the chance to make a lot of money and took it.Another recent story which should give us food for thought is the case of the man who paid his six-year-old daughter ￡ 300 a week pocket money. He then charged her for the food she ate and for her share of the rent and household bills. After paying for all this, she was left with a few coins for her piggy bank.. "She will soon learn the value of money," he said. "There's no such thing as a free lunch. Everything has to be paid for and the sooner she learns that the better." At the other extreme there are fond parents who provide free bed and board for their grown-up children. While even the most hard-hearted parents might hesitate to throw their children out on the streets, we all know of people in their late twenties who still shamelessly live off their parents. Surely there comes a time when every- one has to leave the parental nest, look after themselves and pay their own way in life. But when is it？
1.One of Britain's biggest banks recently ____
A、received a telephone order to buy shares for a twenty-one year old
B、lost a lot of money because the shares they bought fell in value
C、bought quite a lot of shares for a customer and caused him to lose money
D、lost money as its young customer did not have the money to pay his debts
2.According to the passage, the young customer would have ____
A、earned ￡ 20,000, if the shares had gone up in value by the same amount they fell
B、paid his debts, if he had had the money to do so
C、continued to cheat banks, if he had not been found out
D、to go to prison, if he did not pay the money back
3.The writer's attitude to the example of the two boys who cheated the banks is ____
A、positive
B、questioning
C、neutral
D、negative
4.The reason why the man paid his daughter ￡300 a week pocket money and then required her to pay for her living expenses was that he wanted her to learn ____
A、to bear the hardships of life
B、how to live comfortably on her own pocket money
C、the value of money
D、how to save money
5.It can be concluded from the article that the writer believes that ____
A、parents should give more pocket money to their children
B、children should leave the parental nest as soon as possible
C、grown-up children should support themselves
D、children should learn to be economical
A．cooperative banks
B．thrift banks
C．universal banks
D．commercial Banks
(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.
