A certificate of deposit (CD) is issued by a depository- institution (56) that the holder has deposited at the institution a certain mount of money for a certain period of time. By issuing a certificate of deposit, a bank, or (57) institution, gives its p

题目

A certificate of deposit (CD) is issued by a depository- institution (56) that the holder has deposited at the institution a certain mount of money for a certain period of time. By issuing a certificate of deposit, a bank, or (57) institution, gives its pledge to (58) the certificate at maturity and to pay a certain rate of interest for the use of the deposited funds.

Certificates of deposit are issued in several different forms. They may be negotiable or nonnegotiable, If a CD is negotiable it may be sold on the secondary market (59) to maturity. Usually only large CDs are issued in negotiable form. CDs may also be issued either in bearer or registered form. Negotiable CDs are usually always issued in bearer form. because of the ease with which ownership may be (60) .

(41)

A．evidence

B．fact

C．proof

D．prove

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相似问题和答案

第1题：

听力原文： If you want to invest money at short term, you've got several possibilities: first, a current account. This gives you the possibility of having all your money at your immediate disposal. It also entitles you to a cheque-book. Second, you've got a deposit account, which usually pays about 3. 5% interest, less tax. In that respect, a deposit account's a better investment than a current account. However, though you are entitled to a cheque-book, you can only withdraw up to a certain sum each month. For large amounts, you must give the bank a few months' notice. Finally, you have certificates of deposit. These pay in the order of 6.5% interest.

28. How many possibilities are there for a customer to invest money at short term?

29.With what kind of deposit can a customer NOT use a cheque-book?

30.What is the interest rate for maintaining a deposit account?

(28)

A．2.

B．5.

C．4

D．3

正确答案：D
解析：综合整篇录音原文，它提到first,...Second,...Finally,...因此推断出客户可采用三种方法进行短期投资。

第2题：

听力原文： When a savings account is opened in a bank, the depositor must sign a deposit agreement. By signing agreement, the depositor agrees to abide by the rules and regulations of the bank. At this time, a passbook may be given to the depositor. This is a small book in which the bank teller enters the date and amount of each deposit or withdrawal and initials the entry. The passbook is to be presented at the bank or mailed to the bank along with a deposit or withdrawal slip each time money is deposited or withdrawn from the account. An alternative practice for depositing or withdrawing money from a savings account is to give the depositor a small register for recording deposits and withdrawals and a pad of deposit withdrawal rotors. This procedure eliminates the use of the passbook.

24. What is the purpose of signing a deposit agreement?

25.What does a depositor do with a passbook?

26.What is the aim of a small register and a pad of deposit withdrawal forms?

(24)

A．To follow the bank's rules and regulations.

B．To have the right to make full use of the bank's facilities.

C．To open an account in the bank.

D．To protect the depositor's interest.

正确答案：A
解析：录音原文中提到By signing agreement，the depositor…rules and regulations of the bank．通过签订存储协议，存款人会遵守银行的规则。

第3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.

正确答案：B
解析：录音原文提到A certificate of deposit (CD) is a time deposit with a bank．CD存放在银行的定期存款。

第4题：

资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
High Interest: Higher on Large amount
Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.
Maturity Period: Flexible to your needs
You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.
Minimum Amount: Easy to Start
The minimum amount accepted is USD 2000
Other Features:
1.FDIC Insurance Up to $100,000
2.Facility to Open Joint & Corporate Accounts
Additional Deposits:
Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.
Early Withdrawal:
Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.

The CD’s annual percentage yield is （） annual interest rate.

A.more than
B.less than
C.the same as
D.not comparable with

答案：C

解析：

本题考查细节理解。
【关键词】The CD’s annual percentage yield; annual interest rate
【主题句】
第三段For CD’s of above $250,000.00, the interest is simple i.e not compounded; therefore, annual percentage yield is same as annual interest rate. 对于250,000美金以上的大额存单，利息是单利的，不是复利的；因此，其年收益与年利率相同。
【解析】题目意为“大额存单年收益率与年利率______。” 选项A意为“多于”；选项B意为“少于”；选项C意为“一样”；选项D意为“不可比拟”。根据主题句，年收益与年利率相同，因此选项C正确。

第5题：

A seaman may have all or part of his wages deposited by allotment to a bank or savings institution. Which of the following is NOT a requirement for this type of allotment?

A.The account must be either a checking or savings account

B.The institution must be insured by the FSLIC or FDIC

C.The account must be opened by the seaman and maintained in the seaman's name

D.All of the above are requirements

正确答案：A

第6题：

What will happen if there is one commercial bank and no thrifts in a small town?

A．The residents will deposit their money with the bank.

B．The local bank will provide business loans to the commercial bank.

C．Some large banks will transport money by check to the bank.

D．People in the area will not deposit money with the bank.

正确答案：A
解析：文章第二段提到If there is one commercial bank...deposit their funds in the local bank.在一些偏远地区的小镇，如果只有一家商业银行而没有其他银行的时候，居民会把钱存入当地的银行。

第7题：

The correspondent bank can only make money for its services to other banks from deposit balances maintained by bank customers.

A．Right

B．Wrong

C．Doesn't say

正确答案：B
解析：文中第一句话The correspondent banks are paid indirectly,...as well as by direct money payments.可以看出。

第8题：

You should deposit a certain amount of money with a bank before you buy a house.

A．Right

B．Wrong

C．Doesn't say

正确答案：C
解析：文中第一段第一句只说When you buy a house, it is likely that you will be able to borrow a large part of the cost from a building society...并没有说应该在银行存上一笔钱。

第9题：

资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
High Interest: Higher on Large amount
Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.
Maturity Period: Flexible to your needs
You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.
Minimum Amount: Easy to Start
The minimum amount accepted is USD 2000
Other Features:
1.FDIC Insurance Up to $100,000
2.Facility to Open Joint & Corporate Accounts
Additional Deposits:
Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.
Early Withdrawal:
Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.

According to the passage, which of the following is NOT true about Star CD? （）

A.The minimum amount to invest is USD 2000.
B.You may choose any maturity date as you wish.
C.The rates on certificate of deposits may vary day to day.
D.Separate certificates of deposits will be issued for additional deposits.

答案：B

解析：

本题考查细节理解。
【关键词】not true; about Star CD
【主题句】
第七段The minimum amount accepted is USD 2000. 最低投资金额为2000美元。
第五段You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. 您可以选择任何到期日，最短期限为7天，最长期限为1年，以满足您的需求。
第三段The rate may vary on day-to day basis. 利率可能每天都有所不同。
倒数第三段Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits. 存入账户的额外金额将被视为新鲜存款，并将为此类存款发放单独的存款凭证。
【解析】题目意为“关于‘星光’大额存款计划，以下哪个选项不正确？”。选项A意为“最低投资金额为2000美元”；选项B意为“您可以根据您的意愿选择任何到期日”；选项C意为“利率可能每天都有所不同”；选项D意为“将为额外存款发放单独的存款证明书”。根据主题句，到期日必须在7天到1年之间，因此不能随意选择到期日，故选项B错误。

第10题：

资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
High Interest: Higher on Large amount
Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.
Maturity Period: Flexible to your needs
You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.
Minimum Amount: Easy to Start
The minimum amount accepted is USD 2000
Other Features:
1.FDIC Insurance Up to $100,000
2.Facility to Open Joint & Corporate Accounts
Additional Deposits:
Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.
Early Withdrawal:
Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.

For deposit running for more than 30 days, early withdrawal may be （）, （） penalty or charge.

A.allowed, without
B.banned, with
C.allowed, with
D.banned, without

答案：A

解析：

本题考查细节理解。
【关键词】deposit running for more than 30 days; early withdrawal; penalty or charge.
【主题句】
最后一段Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. There is no other penalty or charge on early withdrawal. However, no interest shall be paid on the deposit which runs for less than 30 days. 在其到期日之前撤回存款可由银行酌情决定。提前退出时没有其他处罚或收费。但是，对于运行时间少于30天不应支付利息。
【解析】题目意为“对于存款时间少于30天的情况，提出退出___，_____处罚或罚款”。根据主题句，提前退出可由银行酌情决定，但无需受到处罚或收费，只是运行时间少于30天不应支付利息。选项A与题意相符，因此正确。

A certificate of deposit (CD) is issued by a depository- institution (56) that the holder has deposited at the institution a certain mount of money for a certain period of time. By issuing a certificate of deposit, a bank, or (57) institution, gives its p

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