对话理解
听力原文：W: When I want to borrow money from a hank, what should I do?
M: You should create a contract with the bank, stipulating the rate of interest, the repayment date, the amount and timing of any periodic cash interest payments, and other terms of the agreement.
Q: Which is not mentioned when creating a contract with the bank?
(11)
A．Stipulating the rate of interest.
B．Stipulating the repayment date.
C．Stipulating the amount and timing of any periodic cash interest payments.
D．Stipulating the financial sponsor.
第1题：
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 Time deposits may not be withdrawn on demand like a check account.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.
第2题：
听力原文：M: All you need to open a savings account is $20. But in order to earn reasonable interest you should maintain a balance of at least $ 2,000.
W: I only have $ 200 but I'll open an account anyway.
Q: What information does the man give the woman?
(12)
A．That she needs $200 to open an account.
B．That savings accounts earn low interest.
C．That she should not open an account.
D．That $ 2,000 will earn reasonable interest.
第3题：
对话理解
听力原文：W: Why should the money be deposited within such a short time?
M: To avoid problems arising from fluctuations of exchange rate and to prevent possible fraud or overdrawing.
Q: Why should the money be deposited within such a short time?
(11)
A．In order to avoid problems arising from fluctuations of exchange rate.
B．In order to get more money.
C．In order to use the money as soon as possible.
D．In order to overdraw the money.
第4题：
听力原文：M: Would you please tell me what I should do to have funds transferred to me here from London?
W: The fastest way is by telegraphic transfer from your bank in London to us.
Q: What does the man want to do?
(20)
A．He wants to withdraw some pounds.
B．He wants to transfer some money to London.
C．He wants to know how to transfer money from London to him.
D．He wants to exchange some pounds for yen.
第5题：
听力原文：M: What margins will the lending bank charge?
W: Margins mainly depend on these factors: evaluation of credit risk, maturity of credit, and the starting point from which onwards the rate of interest shall be firm.
Q: How many factors do margins charged by the lending bank mainly depend on?
(12)
A．Four.
B．Two.
C．Three.
D．Five.
第6题：
对话理解
听力原文：M: Can I open a foreign currency account and convert my money into a currency which offers the highest interest?
W: Yes, we can arrange that for you, but foreign currency exchange rates are subject to fluctuation and sometimes you will suffer losses.
Q: What does the woman mean?
(11)
A．Interest rate of a foreign currency is much higher.
B．There are risks of losing money sometimes to open a foreign currency account.
C．Foreign currencies exchange rates are relatively stable.
D．It is advisable to open a foreign currency account.
第7题：
听力原文：M: What about the interest rate?
W: Well, the discount rate is given in accordance with the terms of the bill, time of discount, the amount, the reputation of the drawee and the drawer.
Q: What are they talking about?
(14)
A．The interest rate of savings account.
B．The discounting rate for drafts.
C．The rediscounting rate.
D．The interest rate for loans.
第8题：
听力原文：M: The depositors can earn interest on demand deposits, is that right?
W: Yes, but the rate of interest on demand deposits is generally well below the bank's base rate.
Q: What does the woman imply?
(15)
A．The bank's base rate is fixed.
B．The rate on demand deposits is low.
C．The rate on demand deposits is high.
D．The bank's base rate is floating.
第9题：
听力原文：M: I've lost my credit card issued by your bank. What should I do, please?
W: I am sorry for that. But you have to go to that counter over there for the card business.
Q: Why does the customer come to the bank?
(15)
A．He got a credit card of his friend and come to ask how to use it.
B．He got a card and did not know whose card it is.
C．He has lost his credit card and come to ask what to do.
D．He has found a credit card and come to ask what to do.
第10题：
单句理解
听力原文：Interest rate risk refers to the exposure of a bank's financial condition to adverse movements in interest rates.
(1)
A．Bank's financial condition is the cause of interest rate risk.
B．Bank's financial condition has impact on interest rate risk.
C．Interest rate risk occurs when interest rate moves against the bank's financial condition.
D．Interest rate risk occurs when interest rate favours the bank's financial condition.