第1题：
A. You can’t.
B. No one uses it.
C. am afraid you can’t.
D. Who told you?
第2题：
Relatively efficient market can usually provide information on the credit worthiness of a commercial bank.
A．Right
B．Wrong
C．Doesn't say
第3题：
信用风险组合模型包括( )。
A．Credit Monitor
B．Credit Metrics
C．Credit Portfolio View
D．Credit Risk+
E．VAR
第4题：
听力原文：The holder of credit card can buy goods against the card at any shop that has joined the scheme without cash.
(9)
A．The credit card can be used at any shop without paying cash.
B．The credit card can he used at any appointed shop together with cash.
C．The credit card can be used at any appointed shop without paying cash.
D．The credit card can be used to withdraw any amount of cash.
第5题：
A I’m afraid not. We insist on a letter of credit. ;
B No, I think the price is reasonable. ;
C I can’t be of any help in this respect.
第6题：
SECTION A MINI-LECTURE
Directions: In this section you sill hear a mini-lecture. You will hear the lecture ONCE ONLY. While listening, take notes on the important points. Your notes will not be marked, but you will need them to complete a gap-filling task after the mini-lecture. When the lecture is over, you will be given two minutes to check your notes, and another ten minutes to complete the gap-filling task on ANSWER SHEET ONE. Use the blank sheet for note-taking.
听力原文： Good morning, everyone. First about your second assignment. I'd like to remind you that your second assignment should be in by next Fri day. You can either put it in my pigeon hole, or leave it with the Department's secretary. Now, let's get down to the lecture.
Today, the lecture is on credit, er, or to be more specific, on credit cards. I'm sure you must have heard of some credit cards, like the VI SA card, which is an internationally used card, or the Great Wall card issued by the Bank of China, In order to give a better understanding, we'll discuss it in some detail.
Many businesses, such as department stores, restaurants, hotels and airline companies, use a credit system for selling their products and services. In a credit system, the seller agrees to sell something to the buyer without immediately receiving cash. He receives the goods or ser vices immediately and promises to pay for them later. This buy-now-pay later credit system is quite old.
There are two types of credit cards. One type is issued directly by a store to a customer. Many large department stores issue credit cards to their customers. The store credit card can be used to make purchases only at a particular store. For example, if you have a credit card from Store A, then you can only buy things in that store. Other stores would not accept it. The other kind of credit card is issued by a credit company. Credit cards from credit companies can be used to buy things almost anywhere. If you have a major credit card, you can buy airplane tickets, stay at hotels and eat at restaurant with it. Most large credit companies are connected to large banks. So if you want a credit card from a credit company, you generally have to make an application at a bank. After an applicant receives a credit card, he or she can make purchases using the
card.
The credit company sends the customer a statement of purchases at the end of each month. Generally the customer has to pay 25--50% of their credit hill every month. The customer pays directly to the credit company and the credit company pays to the store or hotel or restaurant.
There are some advantages and some disadvantages to using credit cards. The biggest advantage for the consumer is expressed by the phrase "buy now, pay later". This means that the consumer can purchase what he wants when he wants it. There is no need to save up money in advance. Another advantage of having a credit card is that it protects the owner, ff a credit card is lost or stolen, the owner only has to call the credit company and the credit company will stop the credit card number. No one else can use it. So the owner doesn't have to worry about losing the card. Another advantage of the credit card system is that the consumer receives a record of his or her purchases. Every month the credit customer receives a bill. The bill has a list of all purchases from that month. This makes it easier to remember when and where purchases are made. And another advantage is that credit cards can be used when something unexpected happens. Many kinds of professional people—plumbers, taxidrivers, doctors and dentists—will accept credit cards in an emergency. This is very important if you don't have any cash with you.
However, having said all that, using credit cards has one major disadvantage. That is, consumers tend to overspend their money. They spend more than they make. If a consumer buys a lot of th
第7题：
A clean credit is one which ______.
A．calls for no presentation of it
B．is used instead of first demand guarantee
C．is used without presentation of any documents
D．is the same as an unconditional first demand guarantee
第8题：
(A) No, I can’t.
(B) Both will do.
(C) It is a problem.
(D) No, you can’t.
正确答案：B
解答参考：问句是能用信用卡或支票付款吗?选项B表示都可以
第9题：
听力原文：What is it called if a letter of credit is issued for guarantee of performance rather than payment?
(3)
A．Back-to-back credit.
B．Reciprocal credit.
C．Documentary credit.
D．Stand-by credit.
第10题：
听力原文：If you lose this credit card, you have to notify us as soon as possible, so that we can put a stop on your lost card.
(3)
A．We are the credit card holders.
B．We are the bank who can encash the card.
C．We are the credit card company.
D．We stopped your card losing.