共用题干Federal Deposit Insurance CorporationBefore 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.53._________A: BecauseB: Because ofC: As a resultD: Considering
共用题干
Federal Deposit Insurance Corporation
Before 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.
As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.
Federal Deposit Insurance Corporation
Before 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.
As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.
53._________
A: Because
B: Because of
C: As a result
D: Considering
A: Because
B: Because of
C: As a result
D: Considering
参考解析
解析：从后文可知，本句是条件从句，条件从句应当由if引导。
从货款这个概念应当推断出，应当是归还，而不是存储或者发现。
本句前一部分和后一部分是因果关系，应当用because引导这个从句，because of后面跟的是名词或名词性短语，而不是从句。
我们从整个句子的语态来看，本句是虚拟语气，应当选D。此外，根据前一部分“the band would soon be unable to meet withdrawals”中的语态，我们也能做出相应的判断。
call on意为“号召，呼吁”;call for意为“要求，提倡”;call off意为“放弃，取消”; call in意为“召回，收回”。根据题意，银行应当采取相应的收回货款的措施，因此选D。
reach peak是固定用法，例如：Sales have reached a new peak. 销售额已达到新高。
不定式符号to后面跟动词原形，所以选择C。
表达“对于……有信心”应当用介词in，即confidence in(后接名词，表示对……有信心），例如：She lacks confidence in herself．她缺乏自信心。
这里应当用指示代词来组成一个名词词组，并不是构成一个从句，并且后面跟同位语短语，所以选B。
upto意为“达……之多”，符合题意。“as many as”用于可数名词前，如果选项中有“as mucn as”，则也是正确的，因为钱是不可数名词。
has已经提示了此处应当用动词的过去分词形式表达现在完成时语态。
根据上下文，此处是指自从建立了保险制度以来，银行破产的个案是减少了，而不是增加或者消失。
根据上下文，此处表达否定意思“不再”，所以选C。
be/become concerned about意为“担心；担忧；挂念”，例如：We're rather concerned a- bout father's health．我们相当担心父亲的健康。be/become concerned in sth．意为“和某 事有牵连”。be/become concerned with意为“牵涉，与……有关，参与”。
根据上下文，此处表达“可能性”之意，所以选择possibility。
从货款这个概念应当推断出，应当是归还，而不是存储或者发现。
本句前一部分和后一部分是因果关系，应当用because引导这个从句，because of后面跟的是名词或名词性短语，而不是从句。
我们从整个句子的语态来看，本句是虚拟语气，应当选D。此外，根据前一部分“the band would soon be unable to meet withdrawals”中的语态，我们也能做出相应的判断。
call on意为“号召，呼吁”;call for意为“要求，提倡”;call off意为“放弃，取消”; call in意为“召回，收回”。根据题意，银行应当采取相应的收回货款的措施，因此选D。
reach peak是固定用法，例如：Sales have reached a new peak. 销售额已达到新高。
不定式符号to后面跟动词原形，所以选择C。
表达“对于……有信心”应当用介词in，即confidence in(后接名词，表示对……有信心），例如：She lacks confidence in herself．她缺乏自信心。
这里应当用指示代词来组成一个名词词组，并不是构成一个从句，并且后面跟同位语短语，所以选B。
upto意为“达……之多”，符合题意。“as many as”用于可数名词前，如果选项中有“as mucn as”，则也是正确的，因为钱是不可数名词。
has已经提示了此处应当用动词的过去分词形式表达现在完成时语态。
根据上下文，此处是指自从建立了保险制度以来，银行破产的个案是减少了，而不是增加或者消失。
根据上下文，此处表达否定意思“不再”，所以选C。
be/become concerned about意为“担心；担忧；挂念”，例如：We're rather concerned a- bout father's health．我们相当担心父亲的健康。be/become concerned in sth．意为“和某 事有牵连”。be/become concerned with意为“牵涉，与……有关，参与”。
根据上下文，此处表达“可能性”之意，所以选择possibility。
相关考题：
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听力原文：A bank or insurance company issues a document to guarantee that exporter will supply the goods or services as the required standard.(4)A．A bank or insurance company issues an advance payment bond.B．A bank or insurance company issues a tender bond.C．A bank or insurance company issues a maintenance bond.D．A bank or insurance company issues a performance bond.
A high degree of official supervision and regulation on bank organizations are important because ______.A．The governments of many countries want to control banksB．There are too many troubles in banking sectorC．It is crucial to stabilize the financial sector and the whole economyD．The banks make much more deposit insurance fund
Who may supply business loans in a remote area if there is no financial intermediaries offering such services?A．The local bank in the area.B．Business companies.C．Brokers in the Federal Funds.D．Correspondent banks.
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.
A credit may be advised to a beneficiary through another bank (the advising bank) without engagement on the part of the advising bank, but that bank, if it elects to advise the credit, shall ______.A．inform. the issuing bank of the credit which it advises without delayB．endorse the amount negotiated on the reverse of the credit which it advisesC．add his confirmation to the credit which it advisesD．take reasonable care to check the apparent authenticity of the credit which it advises
When trade credit is offered in the form. of ___, it is based on mutual trust. A.open accountB.promissory noteC.trade draftD.bank loans
听力原文：In the United States, the Federal Gold Reserve acts as the central bank.(2)A．In the US, the Federal Gold Reserve acts as the central bank.B．In the US, the central bank is the commercial bank.C．In the US, there is no central bank.D．In the US, the central bank is not so important.
The correspondent bank can only make money for its services to other banks from deposit balances maintained by bank customers.A．RightB．WrongC．Doesn't say
资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.Maturity Period: Flexible to your needsYou may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.Minimum Amount: Easy to StartThe minimum amount accepted is USD 2000Other Features:1.FDIC Insurance Up to $100,0002.Facility to Open Joint & Corporate AccountsAdditional Deposits:Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.Early Withdrawal:Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.According to the passage, which of the following is NOT true about Star CD? （ ）A.The minimum amount to invest is USD 2000.B.You may choose any maturity date as you wish.C.The rates on certificate of deposits may vary day to day.D.Separate certificates of deposits will be issued for additional deposits.
资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.Maturity Period: Flexible to your needsYou may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.Minimum Amount: Easy to StartThe minimum amount accepted is USD 2000Other Features:1.FDIC Insurance Up to $100,0002.Facility to Open Joint & Corporate AccountsAdditional Deposits:Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.Early Withdrawal:Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.The CD’s annual percentage yield is （ ） annual interest rate.A.more thanB.less thanC.the same asD.not comparable with
资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.Maturity Period: Flexible to your needsYou may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.Minimum Amount: Easy to StartThe minimum amount accepted is USD 2000Other Features:1.FDIC Insurance Up to $100,0002.Facility to Open Joint & Corporate AccountsAdditional Deposits:Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.Early Withdrawal:Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.For deposit running for more than 30 days, early withdrawal may be （ ）, （ ） penalty or charge.A.allowed, withoutB.banned, withC.allowed, withD.banned, without
资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.Maturity Period: Flexible to your needsYou may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.Minimum Amount: Easy to StartThe minimum amount accepted is USD 2000Other Features:1.FDIC Insurance Up to $100,0002.Facility to Open Joint & Corporate AccountsAdditional Deposits:Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.Early Withdrawal:Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.Which of the following statements is true? （ ）A.CD is automatically renewed for the same period unless having other instruction.B.CD isn’t automatically renewed for the same period at the ruling rate of interest on the date of renewal.C.CD is automatically renewed for the same period without any other instruction.D.CD is automatically renewed for the same period with permission of the bank manager.
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.” The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ. In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.” Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失） Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.The Asian Infrastructure Investment Bank’s first four loans will go to the following except ( ).A.IndiaB.TajikistanC.PakistanD.Bangladesh
资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.Maturity Period: Flexible to your needsYou may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.Minimum Amount: Easy to StartThe minimum amount accepted is USD 2000Other Features:1.FDIC Insurance Up to $100,0002.Facility to Open Joint & Corporate AccountsAdditional Deposits:Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.Early Withdrawal:Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.Bank of India CDs are safe because （ ）A.CD is a safe instrument.B.Bank of India is safe.C.CD is insuredD.All of the above
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.Interest is the amount of money whichA:a bank lends to people.B:a bank loans to businesses.C:a bank pays you.D:a bank uses.
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.The word"touch" in paragraph 7 could be best replaced byA:"deposit".B:"work".C:"use".D:"cash".
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.A bank statement tells youA:the amount of money you have in the bank.B:the current rates of interest.C:the current rates of exchange.D:the best way to save your money.
共用题干Federal Deposit Insurance CorporationBefore 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.52._________A: repaidB: depositedC:.foundD:.saved
共用题干Federal Deposit Insurance CorporationBefore 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.54._________A:.lostB:.had lostC:.will loseD:.would lose
共用题干Federal Deposit Insurance CorporationBefore 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.51._________A: AlthoughB: Even ifC: IfD: Because
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD（光盘）or to go to a concert, then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.The word"touch" in paragraph 7 could be best replaced byA:"deposit". B:"lend".C:"use". D:"cash".
共用题干第三篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in?If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money there is in your account. It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow. You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account. Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So, you may want to compare rates in newspaper ads before buying a CD.The word"touch"in Paragraph 7 could be best replaced by_______.A:deposit B:borrow C:use D:cash
（） is the party which applies to the bank for the opening of a letter of credit.A、A bank in the seller′s countryB、A bank in the buyer′s countryC、An exporterD、An applicant
Bank of China informs the beneficiary, a Chinese import and export company that a foreign bank has opened a letter of credit in his favor. The bank does not add its engagement by informing the beneficiary. The Bank of China ia acting as （）.A、The issusing bankB、The advising bankC、The confirming bankD、The negotiating bank
单选题Bank of China informs the beneficiary, a Chinese import and export company that a foreign bank has opened a letter of credit in his favor. The bank does not add its engagement by informing the beneficiary. The Bank of China ia acting as （）.AThe issusing bankBThe advising bankCThe confirming bankDThe negotiating bank
单选题The loans were made based on fake certificates of deposit issued by bank branch officials.AartificialBfalseCdishonestDpretended
问答题Practice 4 The other kind of bank—the Bank of the United States was simultaneously a commercial bank and a quasi-public central bank. The First Bank of the United States, chartered by the Congress in 1791, owed its existence to Alexander Hamilton who, shortly after becoming Secretary of the Treasury, showed remarkable insight into the financial problems of the young country and the economic implications of banking. The First Bank of the United States operated much like a private bank. But unlike a regular commercial bank, it had the federal government as a partner and number one customer. The Bank served as the fiscal agent for the government, holding government tax receipts, paying government bills, performing various financial housekeeping tasks. In return, the government kept its cash as deposits with the First Bank of the United States, giving it a huge financial base. The First Bank’s federal charter, moreover, allowed it to operate branches in all states, giving it a big competitive edge over regular state-chartered banks, which could operate only in the states that chartered them. Gradually the First Bank of the United States evolved into a sort of banker’s bank, gaining the power to police lesser commercial banks.