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[主观题]

听力原文：Commercial banks are mainly to provide short-term loans for the capital market wi

th the acquired deposits and the funds from other channels.

(2)

A．Commercial banks mainly provide short-term loans for the capital market.

B．The capital market mainly depends on the acquired deposits and the funds from other channels.

C．Short-term loans are mainly from the acquired deposits and the funds from other channels.

D．Commercial banks mainly depend on the capital market for deposits and the funds.

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更多“听力原文：Commercial banks are main…”相关的问题

第1题

听力原文：In the United States, the Federal Gold Reserve acts as the central bank.（2)A．In t

听力原文：In the United States, the Federal Gold Reserve acts as the central bank.

(2)

A．In the US, the Federal Gold Reserve acts as the central bank.

B．In the US, the central bank is the commercial bank.

C．In the US, there is no central bank.

D．In the US, the central bank is not so important.

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第2题

听力原文：Banker's acceptances are a very old form. of commercial credit. They provide, in

听力原文： Banker's acceptances are a very old form. of commercial credit. They provide, in essence, a method whereby a bank may add its good name and reputation to bills of a borrower, thereby making the bills much more marketable than it would otherwise be. Specifically, the mechanics of the operation typically, work like the following. Suppose that an American exporter sells wheat to a German importer. The terms of the sale are that the German importer will pay for the wheat ninety days after it is shipped. For a variety of reasons, however, the American firm may want its money now, and not want to wait the ninety days. If so, it may issue a draft on its bank ordering the bank to pay a stipulated sum of money to the holder of the draft ninety days from now. Along with the draft, the American exporter will send the appropriate documents showing that the wheat has actually been shipped. When the bank receives the draft, together, with the documentation, it stamps "accepted" across the face of it.

27. What are banker's acceptances？

28.Who is the drawee of the draft mentioned in the passage？

29.What should be attached to the draft when it is presented for acceptance？

30.How does the bank accept the draft？

(27)

A．They are drafts issued by a bank on another bank.

B．They are a very old form. of commercial credit.

C．They are exchange bills discounted by customers.

D．They are checks cashed through the ATMs.

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第3题

听力原文：Back-to-Back credits consist of two entirely separate documentary credits, but on

听力原文： Back-to-Back credits consist of two entirely separate documentary credits, but one credit may act as security for the other. They apply in transactions when actual suppliers and ultimate buyers deal through a middleman. If the supplier insists on a documentary credit, the middleman may apply to his bank for a credit on his behalf. If the middleman's bank is satisfied with his creditworthiness, the bank will issue the credit in the normal way and no other formalities will apply. However, the "back-to-back" credit comes into use if the bank insists that the middleman obtain a documentary credit in his favor from the ultimate buyer as security for the "back-to-back" credit in favor of the actual supplier. Only the middleman and his banker know the "back-to-back" credit, and only they are concerned with credit.

25. What do the back-to-back credits consist of？

26.In which situation do the back-to-back credits apply？

27.In whose favor is the back-to-back credit issued.？

(25)

A．It consists of one commercial credit and one standby credit.

B．It consists of two entirely separate documentary credits.

C．It consists of a credit and some commercial documents.

D．It consists of a bill of exchange and a bill of lading.

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第4题

听力原文：A certificate of deposit （CD) is a time deposit with a bank. Time deposits may no

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.

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第5题

听力原文：M: Do you provide investment service？W: Yes. We are a commercial bank. We help cu

听力原文：M: Do you provide investment service？

W: Yes. We are a commercial bank. We help customers with the purchase and sales of securities.

Q: What does the man want to do？

(13)

A．He will provide investment service.

B．He will help the customers.

C．He will join the commercial bank.

D．He will purchase or sell securities.

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第6题

听力原文：M: Do you know some forms of bank advances？W: There are three forms: overdrafts,

听力原文：M: Do you know some forms of bank advances？

W: There are three forms: overdrafts, personal loans and mortgages.

Q: Which of the following is not a form. of bank advances？

(13)

A．Overdrafts.

B．Mortgages.

C．Personal loans.

D．Letter of credit.

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第7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8题

听力原文：If you lose your bank notes, the chance for you to get them back is not high.（10)

听力原文：If you lose your bank notes, the chance for you to get them back is not high.

(10)

A．If you lose your bank notes, you will not get them back.

B．If you lose your bank notes, you will get compensation.

C．If you lose your bank notes, you can get them back soon.

D．If you lose your bank notes, most probably, you will not get them back.

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第9题

听力原文：M: If a bank has inadequate liquidity, what would happen？W: In this case, it cann

听力原文：M: If a bank has inadequate liquidity, what would happen？

W: In this case, it cannot obtain sufficient funds, either by increasing liabilities or by converting assets promptly. Thus, insufficient liquidity can lead to the insolvency of a bank.

Q: What would lead to a bank's insolvency？

(14)

A．Adequate liquidity.

B．Insufficient liquidity.

C．Increasing liabilities.

D．Converting assets.

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第10题

听力原文：The bank of China is a state-owned enterprise and is a specialized foreign exchan

ge bank of the People's Republic of China.

(2)

A．The Bank of China is not a state-owned enterprise.