题目内容
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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.
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更多“听力原文：M: Some credit cards are …”相关的问题
听力原文：M: I want to apply for a credit card. What are the common credit cards？
W: Master Card, Visa, Discover, and American Express. Apply for the ones without annual fees. Some credit cards even pay you back about 1% - 2% of what you spend.
Q: Which type of credit card is not mentioned in the conversation？
(19)
A．Smart Card.
B．Master Card.
C．Visa Card.
D．American Express.
听力原文：W: It is said that there are some check authorization systems currently in use.
M: But they are cumbersome relative to the computerized credit card validation systems.
Q: What does the man think of the check authorization systems？
(20)
A．They are convenient.
B．They are advanced in technology.
C．They are cumbersome.
D．They are computerized.
听力原文：W: How do you pay for your purchases with a credit card？
M: Usually I sign a sales slip in the presence of the seller, and the signature is then compared to the signature on the card.
Q: Where should the man sign when he pays for his goods with a credit card？
(20)
A．On his card.
B．On the goods.
C．On a sales slip.
D．On the invoice.
听力原文：W: Do the banks set the same credit lines to all the customers？
M: No. Banks normally set different credit lines to different groups of cardholders. That depends on the personal income, the occupation, and to a large extent, on the creditworthiness of the customer.
Q: What will be the credit line if a customer is a professor and has a good reputation？
(20)
A．The credit line will be lower than usual.
B．The credit line will be higher than usual.
C．The credit line will be as usual.
D．The credit line will be indefinite.
听力原文： Back-to-Back credits consist of two entirely separate documentary credits, but one credit may act as security for the other. They apply in transactions when actual suppliers and ultimate buyers deal through a middleman. If the supplier insists on a documentary credit, the middleman may apply to his bank for a credit on his behalf. If the middleman's bank is satisfied with his creditworthiness, the bank will issue the credit in the normal way and no other formalities will apply. However, the "back-to-back" credit comes into use if the bank insists that the middleman obtain a documentary credit in his favor from the ultimate buyer as security for the "back-to-back" credit in favor of the actual supplier. Only the middleman and his banker know the "back-to-back" credit, and only they are concerned with credit.
25. What do the back-to-back credits consist of？
26.In which situation do the back-to-back credits apply？
27.In whose favor is the back-to-back credit issued.？
(25)
A．It consists of one commercial credit and one standby credit.
B．It consists of two entirely separate documentary credits.
C．It consists of a credit and some commercial documents.
D．It consists of a bill of exchange and a bill of lading.
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.
听力原文：M: Could you tell me the advantage of deferred payment credit？
W: Sure. If you open a deferred payment credit, you need not pay stamp duty on bill of exchange. But there will be risk on the part of the exporter since he can not receive his payment until maturity.
Q: What is the benefit of deferred payment credit？
(19)
A．No interest is charged.
B．The documents cannot be negotiated.
C．No stamp duty is paid.
D．Deferred Payment is on a "without recourse" basis.
听力原文：M: Can you give an example of types of risks Banks face？
W: Yes. The major type of risks is called credit risk. It means a counterpart fails to perform. according to a contractual arrangement.
Q: What are they talking about？
(13)
A．A contractual arrangement.
B．A counterpart.
C．Many types of risks.
D．Credit risk.
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.
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.
