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提问人:网友timmytian 发布时间:2022-01-07
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risks, savings,financial,funds,deposits,heart,complex,subject,appear,repay,as,lose,reserve

risks, savings, financial, funds, deposits, heart, complex, subject, appear,

repay, as, lose, reserve, returns, balance

Banks are crucial to a country's economy; they serve as the center point of the exchange of money throughout the economy. They gather【1】from small and large depositors, make loans, run the payments system, and coordinate【2】transactions. In developing countries, they usually are the【3】of the financial market and in industrial countries with【4】financial markets they still have a role as primary providers of financial services.

It is difficult for the layman to know if a bank is financially solid. Banks may【5】more solid than they really are. A bank that has loaned money to a borrower who is unable to【6】may keep the bad loan on its【7】sheet us long as possible, though the loan might never be paid back. Moreover, bank【8】are also somewhat precarious. A bank normally cannot refuse to accept deposits, but if, for whatever reason, its depositors【9】confidence in the bank's soundness, they may withdraw their【10】not only from that bank but also from other perfectly sound banks.

In seeking profits, banks lend on the basis of their customers' deposits, but not all deposits can be lent out. A certain share must be held in【11】. Competing institutions providing financial services are in a different situation since they are usually not【12】to reserve and prudential requirements. Firms selling equities do not promise fixed【13】and neither equities nor bonds are payable on demand,【14】are most bank deposits. Because of the pivotal role of banks and their vulnerability to unusual【15】, there seem to be good reasons to protect deposits through an appropriate insurance scheme and, in this way, to protect both the bank and the banking system.

(1)

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更多“risks, savings,financial,funds,deposits,heart,complex,subject,appear,repay,as,lose,reserve”相关的问题
第1题
172Fixed-price and incentive-type contracts place responsibility for performance and finan

172 Fixed-price and incentive-type contracts place responsibility for performance and financial risks associated with delay or non-performance on the:

A. Buyer

B. Third party

C. Contractor

D. All of the above

E. None of the above

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第2题
改错:You will think about what kind of saving instru

You will think about what kind of saving instru- __1__ment to use or what kind of investment to make. By putting your money in some kind of savings instrument

or investment, you can set aside small amount of money __2__ regularly and the money will earn interest or dividends. Interest refers to the amount what your money __3__earns when it is kept in a savings instrument. Dividends are payments of part of a company’s earnings to people hold stock in the company. A savings instru- __4__ment has an “interest rate ” associated with it; this refers to the rate which the money in the instrument in- __5__creases during a certain period of time. Principal refers to the facial value or the amount of money you __6__place in the savings instrument on which the interest is earned.

Every type of savings or investment has some risk that the return will be less than needed or expected.Federally insured savings accounts are safe and guaranteed up to $100,000 by the U.S. Government.Therefore, they may have lower interest rates, making __7__it hard to save large amounts of money for college. __8__Bonds and stocks often have higher returns than savings accounts or EE saving bonds but are more riskier. __9__You can reduce the risks of these kinds of investments by starting to save early. The earlier we begin the less __10__money you will have to put aside each month and the more total savings you will accumulate.

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第3题
听力原文: Have you always wanted to invest, but didn't know where to get started? Here are
three basic guidelines to smart investing, for your future.

Number one is to have clear goals. Decide how many years you will invest for, and what your needs will be in the future.

Number two is to understand the range of possibilities. You'll want a diversified portfolio: one with a mix of stocks, mutual funds, bonds, and cash. It's a jungle out them. Each of these products has different risks associated with them and also different potential rewards. Understand them before you buy, so there won't be any big surprises later.

Finally, number three is to have realistic expectations. As our Mend Leonardo da Vinci said in the year 1500: "He who wishes to be rich in a day will be hanged in a year."

Over the past several years, New York stocks have averaged 30% annual returns, but don't count on this continuing. While it's true that since the year 1900, stocks have averaged an 11% annual return. It's a roller-coaster ride with many minus years as well, so you have to stay in for the long term--you have to weather the storm--and not be too greedy.

(30)

A.To develop a savings plan.

B.To set up a bank account.

C.To set clear investing goals.

D.To work out the budget.

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第4题
The difference among the four groups of children in the experiment is ______.A.their finan

The difference among the four groups of children in the experiment is ______.

A.their financial background

B.their individual personality

C.the teaching methods applied

D.their attitudes towards life

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第5题
听力原文: Have you always wanted to invest, but didn't know where to get started? Here are
three basic guidelines to smart investing, for your future.

Number one is to have clear goals. Decide how many years you will invest for, and what your needs will be in the future.

Number two is to understand the range of possibilities. You'll want a diversified portfolio: one with a mix of stocks, mutual funds, bonds, and cash. It's a jungle out there. Each of these products has different risks associated with them and also different potential rewards. Understand them before you buy, so there won't be any big surprises later.

Finally, number three is to have realistic expectations. As our friend Leonardo da Vinci said in the year 1500: "He who wishes to be rich in a day will be hanged in a year."

Over the past several years, New York stocks have averaged 30% annual returns, but don't count on this Continuing. While it's true that since the year 1900, stocks have averaged an 11% annual rem. It's a roller-coaster ride with many minus years as well, so you have to stay in for the long term-you have to weather the storm-and not be too greedy.

(30)

A.To develop a savings plan.

B.To set up a bank account.

C.To set clear investing goals.

D.To work out the budget.

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第6题
This passage is mainly aboutA.corporate culture.B.corporate philanthropy.C.corporate finan

This passage is mainly about

A.corporate culture.

B.corporate philanthropy.

C.corporate financing.

D.corporate image.

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第7题
听力原文:W: Eric Schurenberg is the managing editor of Money Magazine in this August issue
, in which this quiz about money personality types appears. Why is it so important to come up with your money personality type?

M: Well, people are just not rational about their money.

W: So after taking this quiz, you should find out if you're a guardian, that is, discipline is the key to security. Is guardian the best type to be?

M: Well, it's the one that most Americans are. You have a lot of self-discipline if you're a guardian. Financial security matters a lot to you. [19] On the other hand, you are likely to be too conservative. Sometimes you have to take risks to get ahead.

W: And if your answers are mostly Cs to our short pop quiz there, you are a guardian. [20] The next personality type is an idealist. I think that's probably what I am, because money just isn't the top priority.

M: That's right. You are more concerned with helping other people, and that's a good thing too for lots of reasons, and doing fun stuff matters a lot too.

W: So, if your answers are mostly Bs, you are an idealist. What's next?

M: Artisans.

W: So if your answers are mostly As, you are an artisan. What's an artisan?

M: [21] Artisans are people who are willing to take risks. They go on instinct a lot.

W: That's a pretty good thing.

M: If you are willing to take risks, you may buy a lot of stocks. It works out for you in the long run. On the other hand, artisans are not the type to do a series of long-term financial plans. So sometimes they have to put things into place like automatic savings plans so that they can get a regular financial planning going.

(20)

A.They often take risks.

B.They're too conservative.

C.They have no sense of security.

D.They have no self-discipline.

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第8题
What is the author's attitude toward a financial planner?A.It is necessary to have a finan

What is the author's attitude toward a financial planner?

A.It is necessary to have a financial planner.

B.There is no need to consult a professional financial planner.

C.Young couples must save as much money as possible.

D.It is a wise decision to invest in a more focused way.

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第9题
The last paragraph tells us that ______.A.education in the wilderness is a matter of finan

The last paragraph tells us that ______.

A.education in the wilderness is a matter of financial means

B.juvenile delinquency is the result of parental negligence of their children's education

C.making a living away from home is an excuse for the negligence of children

D.some families can hardly pay for the tuition for their children

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第10题
It is difficult for a man to imagine the rate at which water is consumed throughout the Un
ited Kingdom. A single industrial unit, for example, can use literally millions of gallons of water every day just for cooling purposes. This means that industry alone uses billions of gallons of water every year. The cost of this waste is significantly high.

71.It should be apparent, therefore, that a fully sealed cooling system would lose no water, consume no water, discharge no water and would not require the application of chemical treatment. Sealed water cooling systems are available and make it possible for a teacupful of water to do a job normally requiring millions of gallons of water.

Water Saver Systems is a company that has pioneered the principle of sealed industrial cooling in the UK and Europe. These sealed cooling systems, it is claimed, can actually provide payback within a matter of months because of the water and effluent cost savings and the removal of the need for a chemical treatment plant and the resultant chemical costs. In addition, it is possible to recover heat from a sealed system, allowing savings in boiler feed water and domestic hot water supplies. A further advantage is that grayish-materials build-up is prevented and rust minimized, so that the high efficiency of the sealed system is maintained and the service life in- creased. A significant merit of a sealed system, not yet fully appreciated, stems from the fact that industry can now be more mobile in terms of location. Traditionally, with some industries, a main consideration as regards a factory site would be the availability of a local high volume water supply for cooling purposes. 72. With a sealed system, it is claimed to be possible for a major user of cooling water to setup in the desert with only a small truck of water to give the sealed system its initial fill.

Sealed cooling systems also reduce water-related health risks. Chemical treatment does help to reduce such risks but for various reasons, chemicals have not yet provided total protection from disease. For example, Lehionnaires Disease which can be propagated via the evaporation taking place in cooling towers. Sealed systems do not emit contaminated vapour to atmosphere and this also means that thermal pollution does not occur.

73. Sealed industrial cooling systems were originally developed to offer efficient and cost-saving cooling alternatives to industry, giving considerable operational and financial advantages to the user. Fortunately, the development of the sealed cooling system also contributes significantly to the environment and health.

(71)

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