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: 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.
相关考题：
听力原文：M: The depositors can earn interest on demand deposits, is that right?W: Yes, but the rate of interest on demand deposits is generally well below the bank's base rate.Q: What does the woman imply?(15)A．The bank's base rate is fixed.B．The rate on demand deposits is low.C．The rate on demand deposits is high.D．The bank's base rate is floating.
听力原文：M: Oh, my God! Jessica. It's five p. m. now. Tomorrow is Saturday. The credit will expire on Sunday. Weekend is non-business day. We cannot make it today. What shall we do?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.
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 Time deposits may not be withdrawn on demand like a check account.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：What is it called if a letter of credit is issued for guarantee of performance rather than payment?(3)A．Back-to-back credit.B．Reciprocal credit.C．Documentary credit.D．Stand-by credit.
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: What about the interest rate?W: Well, the discount rate is given in accordance with the terms of the bill, time of discount, the amount, the reputation of the drawee and the drawer.Q: What are they talking about?(14)A．The interest rate of savings account.B．The discounting rate for drafts.C．The rediscounting rate.D．The interest rate for loans.
听力原文：M: We haven't set up correspondent relations with Standard Chartered Bank, London.W: Then we shall try to find another bank to have our letter or credit advised.Q: What do we learn from the conversation?(18)A．Standard Chartered Bank, London is one of our correspondent banks.B．We can advise this L/C through Standard Chartered Bank, London.C．We will send the advice of the L/C directly to the beneficiary.D．Ａnother bank will be chosen as the advising bank of this L/Ｃ.
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: I've lost my credit card issued by your bank. What should I do, please?W: I am sorry for that. But you have to go to that counter over there for the card business.Q: Why does the customer come to the bank?(15)A．He got a credit card of his friend and come to ask how to use it.B．He got a card and did not know whose card it is.C．He has lost his credit card and come to ask what to do.D．He has found a credit card and come to ask what to do.
听力原文：M: Some credit cards are called gold cards because they offer higher credit limits and lower interest rates.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 limitsB．High annual fee.C．Low interest rates.D．Monthly statements.
Banks in international lending face the risks common to all banks: liquidity risk, interest rate risk, credit (asset) risk, and contingent liabilities risk.A．RightB．WrongC．Doesn't say
单句理解听力原文：Credit card holders can charge purchases to their credit card accounts, and they receive monthly statements.(1)A．Credit card holders will state if they don't buy anything.B．Credit card holders will receive their statements from the bank every month.C．Credit card holders can charge purchases to their bank accounts.D．Credit card holders have to make purchases every month.
听力原文：Although it is a normal part of banking, excessive interest rate risk can pose a significant threat to a bank's earnings and capital base.(4)A．Interest rate risk is a normal part of banking operations.B．Interest rate risk is a terrible threat to banking operations.C．A bank's earnings and capital base is a normal part of banking.D．A bank's earnings and capital base can pose a significant threat to banking.
对话理解听力原文：W: When I want to borrow money from a hank, what should I do?M: You should create a contract with the bank, stipulating the rate of interest, the repayment date, the amount and timing of any periodic cash interest payments, and other terms of the agreement.Q: Which is not mentioned when creating a contract with the bank?(11)A．Stipulating the rate of interest.B．Stipulating the repayment date.C．Stipulating the amount and timing of any periodic cash interest payments.D．Stipulating the financial sponsor.
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：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: 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.
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
单句理解听力原文：Interest rate risk refers to the exposure of a bank's financial condition to adverse movements in interest rates.(1)A．Bank's financial condition is the cause of interest rate risk.B．Bank's financial condition has impact on interest rate risk.C．Interest rate risk occurs when interest rate moves against the bank's financial condition.D．Interest rate risk occurs when interest rate favours the bank's financial condition.
听力原文：Credit card customers are given a credit limit on the credit card account.(8)A．Credit card customers are given a right to buy goods and services.B．The cardholder can buy goods and services within the credit limit.C．Normally, banks will set different credit lines to different groups of cardholders.D．Each month the cardholder receives a statement from the bank.
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: Well, what other documents shall I hand in to your bank besides bills of lading?W: A sight draft, an insurance policy, and a collection order which contains instructions on collection operation to our bank.Q: What are they talking about???(18)A．Presentation of bill of exchange for payment.B．Documents required for a collection operation.C．Application for a letter of credit.D．What are contained in a collection order.
What are two benefits for the Cisco partner, derived from the Cisco SBR methodology? （）A、There is faster implementation of new business applications.B、Solution differentiation from the competition allows for premium margins.C、There is less risk through the implementation of proven solutions.D、Proactive planning enhances customer satisfaction.
What are two benefits for the Cisco Partner, derived from the Cisco SBR Methodology?（）A、There is less risk through the implementation of proven solutionsB、Proactive planning enhances customer satisfactionC、Thereare faster implementation of new business applicationsD、Solution differentiation from the competition allows for premium margins
问答题Credit cards enable their holders to obtain goods and services on credit. They are issued by retail stores, banks, credit card companies to approved clients. The bank or credit card company settles the client’s bills, invoicing him monthly and charging interest on any outstanding debts. Their profit comes from the high rate of interest charged, the card holder’s subscriptions, and the fees paid by some organizations that accept cards.
多选题What are two benefits for the Cisco Partner, derived from the Cisco SBR Methodology?（）AThere is less risk through the implementation of proven solutionsBProactive planning enhances customer satisfactionCThereare faster implementation of new business applicationsDSolution differentiation from the competition allows for premium margins
多选题What are two benefits for the Cisco partner, derived from the Cisco SBR methodology? （）AThere is faster implementation of new business applications.BSolution differentiation from the competition allows for premium margins.CThere is less risk through the implementation of proven solutions.DProactive planning enhances customer satisfaction.