题目内容
（请给出正确答案）
A.slide
B.swing
C.regulate
D.relate
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更多“Banks usually need to be much more cautious about such lending as commodity prices fluctuate far mor…”相关的问题
Making yourself a good record
If you are an American and you think you might need to borrow money someday，the best thing to do is start early．
That’s because just as many employers want to hire only people with experience，banks and other creditots are usually reluctant to lend to those_______（1）a proven track record of paying back．_______ （2）time，the money they have borrowed．
But if you need experience just to get a start，how do you get that start in the first place？
With a little help from your parents usually，while you are still financially dependent_______ （3）them． It is easy to get a credit card or student loan when you are in college，because banks figure your parents will bail you out if you fail to pay．
So just as students take on internships to build up their resumes，one’s university time can be a good time to work on another important personal reeord：the credit_______ （4）．
Crledit reports are a_______ （5）0f one’s personal credit history，gathered by a credit reporting agency,or CRA．
Banks and companies-_______ （6） hospitals，landlords and insurance eompanies—regularly report to the three main CRAs in the US_______ （7）how their customers are doing at paying back the money they_______ （8）．
Anyone with a“legitimate business need”has the right to order individuals’reports from the CRAs．Potential creditots usually compile the information in the reports into a credit“score”，ranking the level of creditworthiness．Lack of experience in borrowing in_______ （9）to a bad record of doing so．can result in a low score．
Even if you are not considering taking out a loan for such a large purchase as a home or car，your credit report can be important to getting through life．Landlords often ask for the reports to judge_______（10）a person can be trusted to pay the rent．Credit checks are necessary for getting a credit card，even for purchasing a mobile phone calling plan．
People can obtain a copy of their own credit report，usually_______ （11）a cost of around us$8-9．Some consumer organizations recommend doing this once a year to allow one to catch any mistakes_______（12）have slipped into the records or，even worse，to find out whether any fraud has taken place．Though the system is controlled by laws_______ （13）to protect people’s privacy，it isn’t fool—proof：Sometime$people take out bad loads in others’names，_______ （14） their records. In a society addieted_______ （15）credit，that can be a disaster．
第 1 题
A．with
B．without
C．on
D．by
FACE-OFF
KEEP IT IN THE BANK
Treasury officials want to increase the amount of capital that banks are required to hold in reserve. Sounds like a good idea, but will it squeeze lending and actually slow the economic recovery？ Here follow the perspectives of two experts:
RICHARD BOVE, (a famous bank analyst at Rochdale Securities): Yes. Capital reserves are higher than they've been since 1936. That wasn't the problem last year; it was that banks had to write down assets at distressed prices. The government is sending contradictory signals here, telling banks to increase lending and increase capital at the same time. You can't do both, so of course lending is going to tighten if you mandate higher capital reserves.
DOUG ELLIOTT, (a fellow at the Brooklings Institution): No. My research shows that if the minimum equity capital requirements were raised by 4 percent, the prices of a loan might go up only 0. 2 percent. That's negligible compared with the stability benefits of better-capitalized banks. The cost of capital is usually only a fifth of the total cost of a loan, and banks have several levers to pull besides loan price to deal with the need for more capital.
OUR VERDICT: The smart way to do this is to link the amount of capital banks have to hold in reserve to the amount of risk they take. The riskier they are, the more capital they need. Changes likely won't take place until 2011, so banks will have plenty time to prepare.
What is the main problem raised by the host in the commentary？
A．Whether Mr. Bove and Mr. Elliott's views are correct
B．Whether it is good to lift up the amount of capital reserves
C．The deep reason for Mr. Bove and Mr. Eliott to hold different opinions
D．How to accelerate the economic recovery
Banks prefer to give a loan to those who ______.
A．are in need of start-up capital
B．have the ability to pay it back
C．own an old and large business
D．haven't borrowed money before
听力原文：PIKE: ... And whom do you recommend I stay？ What's the Welcome Inn like？
MAN: It's nice there. It's central and has all the usual business facilities that you'll need.
PIKE: Oh, good. So I'll. get a room there. Now, what's the best way to get into the city center from the airport？ Should I take a taxi？
MAN: Well, you can, but you don't need to. There's an excellent train service. I think there's a train at least once an hour.
PIKE: Mmm... Can you tell me something about the business hours？ I mean, what time are the banks open？
MAN: The banks？ They open at half past eight and close at four thirty.
PIKE: I see. And are they open on Saturday too？
MAN: I'm afraid not. And I'd hatter warn you, the shops close early on Saturday. During the week they're open until half past six, but on Saturdays they close at four.
PIKE: At four! Right. Now, what's the weather like at this time of year？
MAN: Well, it's usually warm. But last week it was very cold and wet. So don't forget to take an umbrella with you! By the way, when are you going on this trip？
PIKE: Oh, not until the middle of next month. The fifteenth, I think.
•You will hear a conversation.
•For each question 23-30, mark one letter (A, B or C) for the correct answer.
•After you have listened once, replay the recording.
Where's the Welcome Inn？
A．in the city centre
B．near the airport
C．in the suburbs
W: Sure, my pleasure.
M: Where do you recommend I should stay？ What's the Holiday Inn like？
W: It's nice there. It's in the city center and has all the usual business facilities you'll need. The service is first class.
M: Oh, good. So I'll get a room there. Now, what's the best way to get to the hotel from the airport？ Should I take a taxi？
W: Well, you can, but you don't have to. There's an excellent subway system.
M: Mmm... can you tell me something about the business hours？ I mean, what time are the banks open？
W: The banks？ They open at half past eight and close at four thirty.
M: I see. And are they open on Saturday, too？
W: I'm afraid not. And I'd better warn you, the shops close very early in London. During the week they're open until half past six, but on weekends they close at four.
M: At four! Right. Now, what's the weather like at this time of year？
W: Well, it's usually warm. But sometimes it turns very cold and wet. So don't forget to take an umbrella with you! By the way, when are you going on this trip？
M: Oh, not until the middle of the month. September 15th, I think. Anything else you want to advise me on？
W: No, nothing I can think of. It's a nice place, peaceful and calm, and the people are friendly. I'm sure you'll enjoy your stay there.
(27)
A．He is going to spend a holiday in London.
B．He is going to have a business trip in London.
C．He will go to London with the woman.
D．He is going to move to London.
听力原文：M: .., And where do you recommend I shall stay？ What's the Holiday Inn like？
W: Ifs nice there. It's in the city centre and has all the usual business facilities you'll need. The service is first class.
M: Oh, good. So I'll get a room there. Now, what's the best way to get into the hotel from the airport？ Should I take a taxi？
W. Well, you can, but you don't have to. The subway; system is very convenient.
M: MMM ... , Can you tell me something about the business hours？ I mean, what time are the banks open？
W: The banks？ They open at half past eight and close at four thirty.
M: I see. And are they open on Saturday too？
W: I'm afraid not. And I'd better warn you, the shops close early on Saturday. During the week they're open until half past six, but on Saturdays they close al four.
M: At four! Right. Now, what's the weather like at this time of year？
W: Well, it's usually warm. But sometimes it turns very cold and wet. So don't forget to take what you may need with you. By the way, when are you going on this trip？
M: Oh, not until the middle of the month. The fifteenth, I think. Anything else you want to advise me？
W: No, nothing I can see. It's a nice country, peaceful and calm, and people are friendly. I'm sure you’ll enjoy your stay there.
(23)
A．How to arrange for a trip.
B．How to book a satisfactory room.
C．When the shop will be closed.
D．What the weather is like.
But employment benefits certainly aren't restricted to managers. Healthcare researchers and other scientists also use computers to conduct research into complex problem areas that couldn't otherwise be studied. Lawyers use online legal data banks to locate precedent (先前的) cases in order to serve clients better. Salespeople can receive more timely information about products in stock, can promise customers that their sales orders will be handled promptly, and can thus improve their sales performance because of the computer system. And the job duties of some office and factory workers have changed from routine, repetitive operations to more varied and appealing tasks through computer usage. For example, office workers who understand text processing, computing, and data communication usually have vital roles and are given critical office functions to perform.
Which of the following examples shows the controlling function of a computer？
A．Helping managers decide on a future course of action.
B．Helping managers check if planned goals are reached.
C．Helping managers save time in writing a report.
D．Helping managers design a spreadsheet package.
But employment benefits certainly aren't restricted to managers. Healthcare researchers and other scientists also use computers to conduct research into complex problem areas that couldn't otherwise be studied. Lawyers use online legal data banks to locate precedent (先前的) cases in order to serve clients better. Salespeople can receive more timely information about products in stock, can promise customers that their sales orders will be handled promptly, and can thus improve their sales performance because of the computer system. And the job duties of some office and factory workers have changed from routine, repetitive operations to more varied and appealing tasks through computer usage. For example, office workers who understand text processing, computing, and data communication usually have vital roles and are given critical office functions to perform.
Which of the following examples shows the controlling function of a computer？
A．Helping managers decide on a future course of action.
B．Helping managers check if planned goals are reached.
C．Helping managers save time in writing a report.
D．Helping managers design a spreadsheet package.
Woman：May I borrow this dictionary？
Man：We usually don’t lend out dictionaries．But if you need it urgently，we can let you have it for a few days．
Woman：．
A.It’S fine
B.That would be fine
C.All right
D.My pleasure
A．Volvo takes safe approach in branding.
B．Companies shouldn't change their brand image all the time.
C．The manager's ideas are usually different from those of consumers.
D．Their managers need to be changed.
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