题目内容
（请给出正确答案）
What do large banks allow individual banks to do？
A．To sell credit cards to consumers.
B．To join their credit card network.
C．To provide other banking services.
D．To specialize in federal funds.
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更多“What do large banks allow indi…”相关的问题
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.
The restrictive laws that the courts are interpreting are mainly a legacy of the bank failures of the 1930s. The current high rate -- higher than at any time since the Great Depression -- has made legislators afraid to remove the restrictions. While legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets. In trying to escape from these restrictions, banks are taking enormous, and what should be unnecessary, risks. For example, would a large bank be buying small, failed savings banks at inflated prices if federal law and states' regulations permitted that bank to expand through the acquisition of financially healthy banks in the region7 Of course not. The solution is clear American banks will be sounder when they are not geographically limited. The House of Representative's banking committee has shown part of the way forward by recommending common-sensible, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form. counterweights to the big money-center banks. Without this breathing space the big money-legislation should be regarded as only a way station on the road towards a complete examination of American's suitable banking legislation.
The author’s attitude towards the current banking laws is best described as one of _______.
A．concerned dissatisfaction
B．tolerant disapproval
C．uncaring indifference
D．great admiration
Why should banks need to establish formal operating procedures？
A．The supervisory authorities require them to do so.
B．The shareholders expect a reasonable return on their investment.
C．The banks have to keep safe large volume of monetary items raised from all sources.
D．The banks engage in a large volume and variety of transactions.
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.
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.
听力原文：M: Most banks tend to decline loan proposals which are highly speculative.
W: I think because the banks expect the loan to generate sufficient profit and positive cash-flow for themselves and for the clients.
Q: What will the banks usually do to the highly speculative loan proposals？
(15)
A．The banks will disapprove them.
B．The banks will approve them.
C．The Bank will benefit from the loans.
D．The bank will make profit from lending.
W: Thus, Fed serves as a source of last resort for emergency funds. It is one of the major objectives of the Federal Reserve System.
Q: What will the banks do when there is an unusual demand for cash by depositors？
(15)
A．To serve as a source of last resort.
B．To be one of the major objectives.
C．To transfer depositors' funds from one bank to another.
D．To borrow emergency funds from the Fed.
The restrictive laws that the courts are interpreting are mainly a legacy of the bank failures of the 1930's. The current high rate of bank failure—higher than at any time since the Great Depression—has made legislators afraid to remove the restrictions. While their legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets. In trying to escape from this restrictions, banks are taking enormous, and what should be unnecessary, risks. For example, would a large bank be buying small, failed savings banks at inflated prices if federal laws and states regulations permitted that bank to explain instead through the acquisition of financially healthy banks in the region？ Of course not. The solution is clear. American banks will be sounder when they are not geographically limited. The house of Representative's banking committee has shown part of the way forward by recommending common-sense, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form. counterweights to the big money-center banks. Without this breathing space the big money-center banks might soon extend across the country to develop. But any such legislation should be regarded as only a way station on the road towards a complete examination of America's suitable banking legislation.
The author's attitude towards the current banking laws is best described as one of ______.
A．concerned dissatisfaction
B．tolerant disapproval
C．uncaring indifference
D．great admiration
W: Don't worry. Banks will accept presentation on the following business day.
Q: When will the bank deal with the credit if the expiry date of a credit fails on a non-business day？
(19)
A．On every business day.
B．On Tuesday.
C．On Wednesday.
D．On the following business day.
