听力原文：M: What are the benefits for commercial banks as a member of the Federal Reserve System?W: There are three major benefits : ease of check clearance, electronic fund transfer and ability to borrow from the Fed.Q: Which of the following is not mentioned by the woman?(14)A．Interbank lending.B．Cheek clearance.C．Electronic fund transfer.D．Borrowing ability.
听力原文：M: What are the benefits for commercial banks as a member of the Federal Reserve System?
W: There are three major benefits : ease of check clearance, electronic fund transfer and ability to borrow from the Fed.
Q: Which of the following is not mentioned by the woman?
(14)
A．Interbank lending.
B．Cheek clearance.
C．Electronic fund transfer.
D．Borrowing ability.
相关考题：
There are two major types of reserves used on projects. The _____ is for (usually major) scope changes that were not considered as part of the original plan, whereas the _____ is to compensate for minor changes in estimating, escalation factors.A . Management reserve, unplanned allowance fund.B . Management reserve, contingency.C . Contingency fund, management reserve.D . Unplanned allowance fund, budgetary reserve.E . Unplanned reserve, planned reserve.
听力原文：Commercial banks are mainly to provide short-term loans for the capital market with the acquired deposits and the funds from other channels.(2)A．Commercial banks mainly provide short-term loans for the capital market.B．The capital market mainly depends on the acquired deposits and the funds from other channels.C．Short-term loans are mainly from the acquired deposits and the funds from other channels.D．Commercial banks mainly depend on the capital market for deposits and the funds.
听力原文：M: Do you know some forms of bank advances?W: There are three forms: overdrafts, personal loans and mortgages.Q: Which of the following is not a form. of bank advances?(13)A．Overdrafts.B．Mortgages.C．Personal loans.D．Letter of credit.
听力原文：M: Can I make arrangements to open an automatic transfer account for my income tax payments?W: Yes, of course. But you need to indicate what the regular and special transfers should be and we will automatically debit your account for them each month.Q: What kind of account does the customer want to open?(20)A．A savings account.B．A fixed account.C．A check account.D．An automatic transfer account.
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: 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.
听力原文：M: Would you please tell me what I should do to have funds transferred to me here from London?W: The fastest way is by telegraphic transfer from your bank in London to us.Q: What does the man want to do?(20)A．He wants to withdraw some pounds.B．He wants to transfer some money to London.C．He wants to know how to transfer money from London to him.D．He wants to exchange some pounds for yen.
听力原文：M: It is reported that in some countries banks are not allowed to make investments in equity securities.W: Generally commercial banks may invest only in those securities that are rated as "investment grade", or have bond ratings in the top four categories.Q: Where are banks only allowed to make investments?(15)A．In equity securities.B．In personal funds.C．In securities rated as investment grade.D．In property markets.
听力原文：W: With the convenience of bankcards, more and more people prefer bankcards to personal checks.M: I agree. People like bankcards because they offer greater safety and convenience than personal checks.Q: What can be inferred from the conversation?(20)A．A merchant doesn't know the balance before completing a sale.B．No security system has yet been devised for personal checks.C．A personal check is secure at the check stand.D．The clerk can examine all the bankcards.
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.
听力原文： We will live in a society when cash no longer exists. Instead, "cash" would be electronic, as in bank-card systems. Notes and coins would be abandoned. Its benefits would be profound and fundamental. Theft of cash would become impossible. Bank robberies and cash-register robberies would cease to occur. Urban streets would become safe. Retail shops in once dangerous areas could operate in safety. Neighborhoods would improve.National electronic-money system would operate as a debit-card system. Each individual's money would be held in his money-system account. A transaction would affect an instant transfer of money from his account to that of another account holder. Only cash would be supplanted by electronic money. Credit card and automatic-teller-machine system would not necessarily change, although you could no longer obtain cash at ATMs.27. In future, what kind of form. will the money be?28.According to the passage, why would the neighborhoods improve?29.What make(s) it possible to divorce money from evil?30.According to the passage, which of the following statements is false?(27)A．cashB．notes and coinsC．recorded electronic funds-transfer systemD．paper gold
对话理解听力原文：W: What kind of monetary policy instruments may your bank use?M: They include adjusting the base interest rate, regulating rediscounting and open market operations.Q: Which of the following wasn't mentioned by the man as a monetary policy?(11)A．The minimum deposit reserve.B．Adjusting the base interest rate.C．Regulating rediscounting.D．Open market operations.
听力原文：M: What is a cheque card?W: It was originally issued in UK. British banks started to issue cheque cards in 1965, and as from 1969 all the main commercial banks in Britain agreed to issue a standardized form. of cheque card.Q: What happened to British banks in 1969?(17)A．All the main commercial banks in Britain agreed to issue a standardized form. of cheque card.B．British banks started to issue credit cards.C．Customers of British banks may cash their cheques in European countries.D．Commercial banks in the United States began to issue cheque card.
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 Federal Reserve has been providing free check-clearing facilities to all the banks.A．RightB．WrongC．Doesn't say
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.i.Managing the monetary system and money supply of the USA;ii.Providing funds as the lender of last report;iii.Providing for an efficient cherub clearing system;iiii.Providing a rigorous banking supervision system.Which of the following is not true?（ ）A.National Banks in the USA refers to “State Banks”.B.The group banking system usually exists in the states where branch banking is prohibited.C.Stateside branching implies that bank branches are allowed to operate anywhere within the state.D.Limited branching allows bank to operate branches within geographic territories authorized by the state law.
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.i.Managing the monetary system and money supply of the USA;ii.Providing funds as the lender of last report;iii.Providing for an efficient cherub clearing system;iiii.Providing a rigorous banking supervision system.Which of the following is TRUE?（ ）A.The Fed undertakes banking supervision over banking system in the USA.B.The savings banks in the USA are authorized to do real estate business by some states’ law.C.Specialized banks in the USA provide funds as the lender of last resort.D.Specialized banks in the USA are the same to those in China.
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.i.Managing the monetary system and money supply of the USA;ii.Providing funds as the lender of last report;iii.Providing for an efficient cherub clearing system;iiii.Providing a rigorous banking supervision system.What is the charting authority of the USA for banks?（ ）A.FRAB.Laws of statesC.FedD.OCC
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.i.Managing the monetary system and money supply of the USA;ii.Providing funds as the lender of last report;iii.Providing for an efficient cherub clearing system;iiii.Providing a rigorous banking supervision system.Which of the following title best suits the passage?（ ）A.Banking and Non-banking in the USA.B.Banks in the USA.C.Bankers in the USA.D.Banking in the USA.
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.i.Managing the monetary system and money supply of the USA;ii.Providing funds as the lender of last report;iii.Providing for an efficient cherub clearing system;iiii.Providing a rigorous banking supervision system.What is included in the commercial banking system of the USA?（ ）A.The Fed banks, the State banking and group banking.B.The Fed banking, the state banking and group banking.C.Unit banking, group banking and branch banking.D.Specialized banks, group banking and unit banking.
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