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Dear professor, Banks normally receive money from their customers in two distinct forms; o

Dear professor,

Banks normally receive money from their customers in two distinct forms; on current account, and on deposit account. With a current account, a customer can issue personal cheques. No interest is paid by the bank on this type of account. With a deposit account, however, the customer undertakes (答应) to leave his money in the bank for a minimum specified period of time. Interest is paid on this money.

The bank in turn lends the deposited money to customers who need capital. This activity earns interest for the bank, and this interest is almost always at a higher rate than any interest which the bank pays to its depositors. In this way the bank makes its main profits.

We can say that the primary function of a bank today is to act as an intermediary (中间人) between depositors who wish to make interest on their savings, and borrowers who wish to obtain capital. The bank is a reservoir (水库) of loanable money, with streams of money flowing in and out. For this reason, economists and financiers often talk of money being" liquid" , or of the ' liquidity ' of money. Many small sums which might not otherwise be used as capital are made useful simply because the bank acts as a reservoir.

The system of banking rests upon a basis of trust. Innumerable acts of trust build up the system of which bankers, depositors and borrowers are part. They all agree to behave in certain predictable ways in relation to each other, and in relation to the rapid fluctuations of credit and debit. Consequently, business can be done and cheques can be written without visibly changing hands.

On______, the bank will pay interest.

A．the current account

B．personal cheques

C．the deposit account

D．both the current and deposit account

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更多“Dear professor, Banks normally…”相关的问题

第1题

Here are some expressions of the salutation (称呼) part in a letter.Please udge which one is right（）.

A.Dear Mr.Li:

B.Dear Professor Wang,

C.Dear Professor Wang:

D.DearMr.Li.

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第2题

不带质押的融通汇票（1)开立循环的承兑信用额度证 Revolving acceptance credit covering purchase of co

不带质押的融通汇票

(1)开立循环的承兑信用额度证

Revolving acceptance credit covering purchase of cocoa beans opened in favour of The Manufacturing Co., by an accepting house, William Caxton & Co., Unsecured.

[

William Caxton & Company

＜/strong＞]

To: The Manufacturing Co., London, 11 Jan., 200×

Liverpool

Dear Sirs,

Revolving Acceptance Credit No. U-429

In response to your application, we have pleasure in establishing our Revolving Acceptance Credit No. U-429 to the extent of GBP100,000.00 (say one hundred thousand pounds) available by your drafts on ourselves at three months after date for the purpose of financing your purchase of cocoa beans from Kingston to Liverpool and each draft must be marked "Drawn under Credit No. U-429 against purchase of cocoa beans".

All drafts are to be covered by you in cash with us at or before their respective maturity dates, but the credit being revolving, when and to the extent that drafts are so covered the facility automatically becomes available again.

Our acceptance commission payable at time of acceptance will be 1.75% per annum. This credit will expire on 11 Jan., next year, and all drafts must be drawn and accepted not later than that date.

The credit being unsecured is a condition hereof that you will not create any new mortgage of charge on your property or assets without our consent.

We enclose our usual form of undertaking in respect of this credit which kindly sign and return to us.

Yours faithfully

William Caxton & Co., London

signature

(2)开立融通汇票

Please draw an accommodating bill which was dated 1 April, 200× drawn by The Manufacturing Co., Liverpool, on William Caxton & Co., London payable to drawer's order duly endorsed in blank by them at three months after date for the sum of GBP10,000.00 marked: "Drawn under Acceptance Credit No. U-429 against purchase of cocoa beans". The bill was accepted by the drawee and payable at Barclays Bank Ltd., London. Please accept the bill and specify its due date.

(3)要求承兑融通汇票，提示贴现公司，请其贴现

You will send a letter to William Caxton & Co., with five bills, each for GBP10,000.00 taking the form as follows:

To: William Caxton & Co., Liverpool, 1 April, 200×

London

Dear Sirs,

Revolving Acceptance Credit No. U-429

With reference to the above credit dated ______ we would like to avail our- selves of GBP50,000.00 of the facility, and enclose here with five bills, each for ______, drawn at ______ which we have endorsed in blank.

After acceptance kindly hand these bills to Gillett Brother's Discount Co. Ltd., for ______.

We will be glad if you would debit our account with your acceptance commission.

Yours faithfully

The Manufacturing Company, Liverpool

signature

You will send another letter to Gillett Brother's Discount Co. Ltd., as follows:

To: Gillett Brother's Discount Co. Ltd.,

London Liverpool, 1 April, 200×

Dear Sirs ,

We enclose a copy of a letter we wrote to William Caxton & Co. today, and from which you will see that we have asked them to hand to you ______ bills total-ling ______ for ______. We should be glad if you would pay the net proceeds of these bills to Barclays Bank Ltd., London for the credit of our account.

Yours faithfully

The Manufacturing Co., Liverpool

signature

(4)计算贴现金额，制作贴现说明书

Please calculate the discount using the following formula.

______

Suppose V=CBP50,000.00

t=90

d=9

What is the amount of discount？ ______

What is the net proceeds？ ______

When the discount company has discounted the five bills, they will send a discount statement. Please make out this statement filling particulars in the form as follows:

[

Gillett Brother's Discount Co. Ltd.,

＜/strong＞]

To: The Manufacturing Company, London, 2 April, 200×

Liverpool

We have pleasure in confirming the PURCHASE of the bills listed below. In accordance with your instructions, the net proceeds have been paid to Barclays Bank Ltd. London for the credit of your account.

Amounts	Discount & net proceeds	Due date	Tenor in days
GBP 10,000.00		______	______
10,000.00
10,000.00
10,000.00	Total face value GBP ______
10,000.00	Less discount at
	9% per annum ______

	Net proceeds GBP ______

Per Pro

Gillett Brother's Discount Co. Ltd.,

London

signature

(5)开立新的融通汇票，用其贴现净款归还旧的融通汇票到期应付之款

In accordance with the revolving acceptance credit, you must pay cash to the accepting house, William Caxton & Co., on or before the due date, 1 July, 200×. The credit being revolving, allows for the drawing of a new bill to replace those which are maturing.

Let us assume when the GBP50,000.00 bills fall due on 1 July, 200×, you have cash in hand for GBP20,000.00 to pay the bills, and the balance will be covered by issue of a new bill for the face amount to be calculaced by using following formula:

v=30,000 d=9 t=90

______

Please issue a new bill similar to the old bills except amount as calculated above and dated on 1 July, 200×.

Having drawn a new bill for the face amount as calculated above, The Manufacturing Company send it together with a letter addressed to William Caxton & Co., as follows:

To: William Caxton & Co.,

London 30 June, 200×

Dear Sirs,

Revolving Acceptance Credit No. U-429

With reference to the five bills of GBP10,000.00 each drawn under above credit and maturing on ______, we enclose our cheque for GBP20, 000. 00 and a new bills for ______ dated 1 July, 200× at three months after date. We should be glad if you will kindly ______ and hand to Gillett Brother's Discount Co. Ltd., for ______, the net proceeds ______ will be refunded three old bills.

Yours faithfully,

The Manufacturing Company, Liverpool

signatur

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第3题

Three Americans Win Nobel Economics Prize

The Royal Swedish Academy of Sciences awarded the Nobel Prize in economics to three Americans,Eugene Fama,Lars Peter Hansen and Robert Shiller on Oct.14,2013.Eugene Fama and Lars Peter Hansen are both professors at the University of Chicago.Robert Shiller is a professor at Yale University.They will share the prize worth about 1.2 million dollars.

"This year's prize in economic sciences is about predictions." All three of this year's prize winners are mainly known for their research and explanations of pricing forces in financial markets.They have had a big influence on the way people look at and talk about financial markets.

Eugene Fama's research on financial markets in the 1960s led market watchers to change their ideas about investing.His ideas are linked to the theory that markets are efficient,which means market actors taking all available information to create the correct price for things at any given time.This also means that over short periods of time,it is not possible to predict prices.

Robert Shiller found,however,that over long periods,the opposite is true.It is possible to predict the movement of prices and that price changes are linked to human behavior.

The findings of both economists have led to the growth of index funds,investing many different securities as a way to reduce risk.Mr Shiller also helped to create the Standard & Poor's Case-Shiller home prices index.That index follows home prices across the United States.

Lars Peter Hansen developed a method for studying historical pricing information.His method supports Mr Shiller's findings and has influenced efforts to predict prices in the financial industry.

The Nobel Prize in economics was not created by Alfred Nobel,but was established in his memory by Sweden's central bank in 1968.

1.The Royal Swedish Academy of Sciences awarded the Nobel Prize in electronics to three Americans on Oct.14,2013.

2.Eugene Fama,Lars Peter Hansen and Robert Shiller won the prize for their research and explanations of pricing forces in financial markets.

3.Eugene Fama's research on financial markets in the 1960s resulted in some change in how market watchers look at investing.

4.The findings of both economists have led to the growth of price prediction,investing many different securities as a way to reduce risk.

5.The Nobel Prize in economics was established in memory of Alfred Nobel by Sweden's central bank in 1968.

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第4题

带有质押的融通汇票 A Revolving Acceptance Credit covering exports from the UK to Australia opened i

带有质押的融通汇票

A Revolving Acceptance Credit covering exports from the UK to Australia opened in favour of The Exporting Company by an accepting house, William Caxton & Company-Secured.

(1)开立循环的承兑信用额度证

William Caxton & Company

To: The Exporting Company London, 15 Feb., 200×

London, E. C. 2.

Dear Sirs,

Revolving Acceptance Credit No. 3254

In response to your application, we have pleasure in opening a Revolving Acceptance Credit facilities at your disposal to the extent of GBP100,000.00 (say one hundred thousand pounds) to assist in the financing of your export to Australia, subject to the following terms and conditions:

This credit is available by your drafts on ourselves at ninety days after sight, which are to be marked "Drawn under Acceptance Credit No. 3254 against shipment of goods to Australia".

At or before time of drawing on us, you are to deposit with us as security, and for collection under our existing arrangements with you, your draft at a determinable future time not exceeding 90 days on your buyer in the importing country, accompanied by full shipping documents, the total amount of such draft is to exceed the respective drawing on us by not less than 10%.

As and when proceeds of collection become available, they will be applied by us in cover of our outstanding acceptances.

All drafts are to be covered by you in cash with us at or before their respective maturity dates but the credit being revolving, when and to the extent that drafts are so covered, the facility automatically becomes available again.

Our commission for accepting your draft will be at the rate of 1.5% per annum, i.e. 3/8% on draft at 90 days after sight. In addition, collection commission and incidental expenses will be payable by you.

This credit will expire on 15 Feb., next year, and all drafts on us must be drawn and accepted not later than that date.

For and on behalf of

William Caxton & Co., London

signatureDirector

(2)开立托收汇票

The Seller, The Exporting Co., London who has sold agricultural tractors to the buyer, The Overseas Importing Co., Brisbane issued a collection bill on 20 March, 200× to be drawn on the buyer at 60 days after sight for GBP7,700.00 payable to the order of William Caxton & Company marked the words " Drawn under sales contract No. 27358 against shipment of agricultural tractors from London to Brisbane for collection ".

Please draw a collection bill to meet the above requirements in the form as follows:

Exchange for ______ ______

__________________ pay to the order of

________________________________________________ the sum of

____________________________________________________________

Drawn ______________________________________________________

____________________________________________________________

To __________________ For __________________

__________________ __________________

(3)开立融通汇票

The Seller wishes to make use of Acceptance Credit No. 3254, since he has issued a collection bill which would entitle him to draw on William Caxton & Co. a bill dated on 22 March, 200× for the sum of GBP7,000.00 payable at 90 days after sight to drawers' order marked "Drawn under Acceptance Credit No. 3254".

Please draw an accommodating bill on William Caxton & Co., London duly endorsed in blank by the payee. Suppose the bill was accepted by the drawee on 23 March, 200× payable at Barclays Bank Ltd., London. Please accept the bill and specify its due date.

带有质押的融通汇票 A Revolving Acceptance Credit covering

(4)要求代收托收票款和承兑融通汇票，提示贴现公司要求贴现

You will send these two bills together with the shipping documents to William Caxton & Co. with a letter which will be written by you in the form as follows:

To: William Caxton & Co.,

London 20 March, 200×

Dear Sirs,

Revolving Acceptance Credit No. 3254

We enclose here with the full shipping documents covering a shipment of ______ to The Overseas Importing Co., Brisbane. We also enclose our ______ days sight bill drawn on the importer for ______. Would you kindly forward these to your agents at ______, and arrange for the presentation of the bill to the importer for ______, and later for collection at maturity, and remit the proceeds to ______.

Under the terms of the above credit, we also enclose our ______ days sight bill drawn on you for ______. After acceptance, we should be grateful if you would kindly hand this bill to Gillett Brother's Discount Co. Ltd. for

We should be glad if you would debit our account with your acceptance commission.

Yours faithfully

The Exporting Company

signature

You will send a copy of this letter to Gillett Brother's Discount Co. Ltd. with a covering note as follows:

To: Gillett Brother's Discount Co. Ltd.,

20 March, 200×

Dear Sirs ,

We enclose a copy of the letter which we have sent to William Caxton & Co. today. Will you please pay the net proceeds to Barclays Bank Ltd., London for credit of our account.

Yours faithfully

The Exporting Company, London

signature

(5)计算贴现金额，制作贴现说明书

Please calculate the discount using the formula as follows:

V=face value of the bill=GBP7,000.00

t=tenor in days=90

N=discount number

d=discount rate in ×% per annum=9

D=amount discounted

v=present value of bill (after deduction of amount discounted from the face value)

$带有质押的融通汇票 A Revolving Acceptance Credit covering$

$带有质押的融通汇票 A Revolving Acceptance Credit covering$ ______

v=V-D=______

Use the given numbers in formula D and v to calculate amount discounted and net proceeds.

When Gillett Brother's Discount Co. Ltd., have discounted the bill, they will send a discount statement to The Exporting Company. Please make out a discount statement filling particulars in the form as follows:

[

Gillett Brother's Discount Co. Ltd.,＜/strong＞]

To: The Exporting Company, London, 21 March, 200×

London

We have pleasure in confirming the purchase of the bills listed below. In accordance with your instructions, the net proceeds. have been paid to Barclays Bank Ltd. London for the credit of your account.

Discount and net proceeds	Due date	Tenor in days
Face value GBP ______	______	______
Less discount at 9% per annum ______
Net proceeds GBP ______

Per Pro

Gillett Brother's Discount Co. Ltd.,

signatureManager

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第5题

Governments that want their people to prosper in the burgeoning world economy should guara

ntee two basic fights: the right to private property and the fight to enforceable contracts, says Mancur Olson in his book Power and Prosperity. Olson was an economics professor at the University of Maryland until his death in 1998.

Some have argued that such rights are merely luxuries that wealthy societies bestow, but Olson turns that argument around and asserts that such rights are essential to creating wealth. "Incomes are low in most of the countries of the world, in short, because the people in those countries do not have secure individual fights," he says.

Certain simple economic activities, such as food gathering and making handicrafts, rely mostly on individual labor; property is not necessary. But more advanced activities, such as the mass production of goods, require machines and factories and offices. This production is often called capital-intensive, but it is really property-intensive, Olson observes.

"No one would normally engage in capital-intensive production if he or she did not have rights that kept the valuable capital from being taken by bandits, whether roving or stationary," he argues. "There is no private property without government—individuals may have possessions, the way a dog possesses a bone, but there is private property only if the society protects and defends a private right to that possession against other private parties and against the government as well."

Would-be entrepreneurs, no matter how small, also need a government and court system that will make sure people honor their contracts. In fact, the banking systems relied on by developed nations are based on just such an enforceable contract system. "We would not deposit our money in banks.., if we could not rely on the bank having to honor its contract with us, and the bank would not be able to make the profits it needs to stay in business if it could not enforce its loan contracts with borrowers," Olson writes.

Other economists have argued that the poor economies of Third World and communist countries are the result of governments setting both prices and the quantities of goods produced rather than letting a free market determine them. Olson agrees there is some merit to this point of view, but he argues that government intervention is not enough to explain the poverty of these countries. Rather, the real problem is lack of individual rights that give people incentive to generate wealth. "If a society has clear and secure individual rights, there are strong incentives(刺激,动力)to produce, invest,, and engage in mutually advantageous trade, and therefore at least some economic advance," Olson concludes.

Which of the following is true about Olson？

A．He was a fiction writer.

B．He edited the book Power and Prosperity.

C．He taught economics at the University of Maryland.

D．He was against the ownership of private property.

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第6题

Why did the writer mention Mr. Darling Dear in this passage？A．Because Mr. Dear lived in Wi

Why did the writer mention Mr. Darling Dear in this passage？

A．Because Mr. Dear lived in Wisconsin.

B．When Mr. Dear got married, he felt very happy, then he changed his name.

C．Because the name sounds strange.

D．Because Mr. Darling Dear was a citizen in Wisconsin.

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第7题

dear下面哪个意思不对（）

A.亲爱的

B.鹿

C.哎呀

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第8题

A. used B. need C. ought D. dear

A.used

B. need

C. ought

D. dear

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第9题

——Let's make a home library！——（）

A.Oh dear

B.That's great

C.You're welcome

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第10题

单词 deer 和单词 dear 发音相同（）

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