单句理解
听力原文:These time deposits earn higher interest rates, which may be fixed or floating, but no withdrawals are allowed until the term has ended.
(1)
A.Sometimes the interest rates on time deposits are not fixed.
B.People can draw these deposits at any time.
C.The interest rates on time deposits are fixed.
D.The interest rates on time deposits are floating.
第1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2题:
A derivative is a security which "derives" its value from another underlying (61) instrument, index, or other investment. Derivatives are available based on the performance of stocks, interest rates, currency exchange rates, as well as (62) contracts and various indexes. Derivatives give the buyer greater leverage for a (63) cost than purchasing the actual underlying instrument to achieve the same position. For this reason, when used properly, they can serve to "hedge" a (64) of securities against losses. However, because derivatives have a date of (65) , the level of risk is greatly increased in relation to their term. One of the simplest forms of a derivative is a stock option. A stock option gives the holder the right to buy or sell the underlying stock at a fixed price for a specified period of time.
(46)
A.bank
B.financial
C.mathematic
D.securities
第3题:
单句理解
听力原文:The interest rates on these small deposits are usually floating rates, and they are usually 2%- 5% below the bank's current base rates.
(1)
A.Bank's current base rates are higher than those on small deposits.
B.Bank's current base rates are lower than those on small deposits.
C.Bank's current base rates are not floating rates.
D.Bank's current base rates are usually floating rates.
第4题:
Usually the borrowing firm of term loans promises to repay ______.
A.the principal and interest until the end of the loan period
B.the principal and interest at the end of the loan period
C.the loan in a series of installments
D.at any time when cash is more abundant ______.
第5题:
听力原文:Commercial banks are mainly to provide short-term loans for the capital market with 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.
第6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7题:
单句理解
听力原文:For one full year when the full principal plus interest is paid together, compound interest and simple interest yield the same dollar amount.
(1)
A.If the time period of the loan is one year, the simple interest and compound interest are the same.
B.If the time period of the loan is the same, the simple interest and compound interest are the same.
C.When the full principal plus interest is paid together, compound interest and simple interest are of the same dollar amount.
D.When the full principal plus interest is paid together, compound interest and simple interest are not of the same dollar amount.
第8题:
听力原文:W: Then certified checks, cashier's and cash letters of credit are "all variants of demand deposits.
M: Yes, that's right.
Q: Which of the following is not one form. of demand deposits?
(13)
A.Cashier's.
B.Savings certificate.
C.Cash letters of credit.
D.Certified cheeks.
第9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10题:
单句理解
听力原文:More common for lending transactions today is compound interest.
(1)
A.Lending covenants now are often made at compound interest.
B.Lending transactions now are often made at compound interest.
C.Lending decisions now are often made at compound interest.
D.Lending proposals now are often made at compound interest.