The low interest rates on bank loans provided an impetus for many to buy homes.
A．incentive
B．obstacle
C．reason
D．delay
第1题：
短文理解
听力原文： Dealers in government and private securities need short-term financing to purchase new securities and carry their existing portfolios of securities until those securities are sold to customers or reach maturity. Such loans are readily granted by many of the largest banks because of their high quality--often backed by pledging the dealer's holdings of government securities as collateral. Moreover, many loans to securities dealers are so short-overnight out to a few days that the bank can quickly recover its funds or make a new loan at a higher interest rate if the credit markets have tightened up.
21. Who need short-term financing according to the passage?
22.Why such loans are so high quality?
23.How long will the dealers keep such loans?
(21)
A．Dealers in foreign exchange.
B．Dealers in government bonds.
C．Dealers in IPO.
D．Dealers in government & private securities.
第2题：
The best Headline of this passage would be ______.
A．Loans Provided by Banks
B．Long-term Project Loans
C．Credit Financing
D．Term for Loans
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：
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.
第5题：
听力原文：M: Some credit cards are called gold cards because they offer higher credit limits and lower interest rates.
W: But the card holders should pay a significant annual fee, perhaps as high as ￡ 50.
Q: What is the disadvantage for gold cards holders?
(16)
A．High credit limits
B．High annual fee.
C．Low interest rates.
D．Monthly statements.
第6题：
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.
第7题：
Security is required on loans so that ______.
A．the lending bank can enjoy higher interest receipts from the loan
B．the borrower is more willing to pay back the money
C．the funds borrowed will be repaid within a shorter period of time
D．more prime borrowers are attracted
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：
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10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.