题目内容
（请给出正确答案）
A．Right
B．Wrong
C．Doesn't say
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更多“Normally, banks will set different credit limits on different customers' credit card accou”相关的问题
Banks normally give______to large businesses when deciding on loans.
A．misery
B．sanity
C．priority
D．saunter
Normally the banks accept the following marine bills of lading. （）
A．order bills of lading
B．shipped bills of lading
C． clean bills of lading
D．foul bills of lading
Normally the banks will not accept the marine bills of lading which contained the following words( ).
A. apparent good order and condition B. insufficient packing
C. one carton short D. missing safety seal
A.A.( ).
B.B. Order bills of lading
C.C. Shipped bills of lading
D.D. Clean bills of lading
E.E. Foul bills of lading
听力原文：W: Do the banks set the same credit lines to all the customers？
M: No. Banks normally set different credit lines to different groups of cardholders. That depends on the personal income, the occupation, and to a large extent, on the creditworthiness of the customer.
Q: What will be the credit line if a customer is a professor and has a good reputation？
(20)
A．The credit line will be lower than usual.
B．The credit line will be higher than usual.
C．The credit line will be as usual.
D．The credit line will be indefinite.
Standby letters of credit are relatives of documentary letters of credit because ______.
A．they are very similar to ordinary letters of credit in operation
B．the issuing banks undertake to pay
C．they are normally accompanied by evidences of transactions such as non-negotiable copies of B/L or other documents
D．they call for all kinds of normal documents
听力原文： Some banks offer other types of loans repayable by monthly installments, such as business development loans, house improvement loans, and farm development loans. These may be either secured or unsecured. Secured loans attract a slightly lower rate of interest than unsecured loans. Some banks offer revolving credit schemes. These normally involve loans repayable by regular monthly installments, but they differ from other loans repayable by installments in two respects. First, the borrower need not take up the full amount of the loan at the outset. Secondly, as his repayments reduce his indebtedness, he can "top up" his loan by borrowing more, provided that the total debt outstanding does not exceed his agreed credit limit. In 1967 some banks introduced a new form. of account called a "budget account". The object is to allow personal customers to spread the incidence of normal personal and household expenditure.
24. Which of the following loans is not repaid by installments？
25.Which of the following loans would attract a lower rate of interest？
26.How does a borrower "top up" his loan？
27.What is the objective of introduction of the budget account？
(24)
A．Business development loans.
B．House improvement loans.
C．Farm development loans.
D．Overdrafts.
Dear professor,
Banks normally receive money from their customers in two distinct forms; on current account, and on deposit account. With a current account, a customer can issue personal cheques. No interest is paid by the bank on this type of account. With a deposit account, however, the customer undertakes (答应) to leave his money in the bank for a minimum specified period of time. Interest is paid on this money.
The bank in turn lends the deposited money to customers who need capital. This activity earns interest for the bank, and this interest is almost always at a higher rate than any interest which the bank pays to its depositors. In this way the bank makes its main profits.
We can say that the primary function of a bank today is to act as an intermediary (中间人) between depositors who wish to make interest on their savings, and borrowers who wish to obtain capital. The bank is a reservoir (水库) of loanable money, with streams of money flowing in and out. For this reason, economists and financiers often talk of money being" liquid" , or of the ' liquidity ' of money. Many small sums which might not otherwise be used as capital are made useful simply because the bank acts as a reservoir.
The system of banking rests upon a basis of trust. Innumerable acts of trust build up the system of which bankers, depositors and borrowers are part. They all agree to behave in certain predictable ways in relation to each other, and in relation to the rapid fluctuations of credit and debit. Consequently, business can be done and cheques can be written without visibly changing hands.
On______, the bank will pay interest.
A．the current account
B．personal cheques
C．the deposit account
D．both the current and deposit account
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)
Effective supervision of banking organisations is an essential component of a strong economic environment in that the banking system plays a central role in making payments and mobilising and distributing savings. The task of supervision is to ensure that banks operate in a safe and sound manner and that they hold capital and reserves sufficient to support the risks that arise in their business. Strong and effective banking supervision provides a public good that may not be fully provided in the marketplace and, along with effective macro-economic policy, is critical to financial stability in any country. While thecost of banking supervision is indeed high, the cost of poor supervision has proved to be even higher.
Banking supervision should foster an efficient and competitive banking system that is responsive to the public's need for good-quality financial services at a reasonable cost. Generally, it should be recognised that there is a trade-off between the level of protection that supervision provides and the cost of financial intermediation. (9)
Supervision cannot, and should not, provide an assurance that banks will not fail. In a market economy, failures are a part of risk-taking. (10) Such matters cannot therefore always be entirely the responsibility of banking supervisors; however, supervisors should have in place adequate arrangements for resolving problem bank situations.
1. Providing sound and sustainable macro-economic policies are not within the competence of banking supervisors. Supervisors, however, will need to react if they perceive that existing policies are undermining the safety and soundness of the banking system. (11) Therefore, sound macro-economic policies must be the foundation of a stable financial system.
2．A well-developed public infrastructure needs to cover the following facilities, which, if not adequately provided, can significantly contribute to the destabilization of financial systems: A system of business laws including corporate, bankruptcy, conttact, consumer protection and private property laws; Comprehensive and well-defined accounting principles and rules that command wide international acceptance; A system of independent audits for companies of significant size.
3．Effective market discipline depends on an adequate flow of information to market participants, appropriate financial incentives to reward well-managed institutions and arrangements that ensure that investors are not insulated from the consequences of their decisions. (12)
4．Sufficiently flexible powers are necessary in order to effect an efficient resolution of problems in banks. (13) Where they are not, the prompt and orderly exit of institutions that are no longer able to meet supervisory requirements is a necessary part of an efficient financial system. Forbearance, whether or not the result of political pressure, normally leads to worsening problems and higher resolution costs.
5．Deciding on the appropriate level of systemic protection is by and large a policy question to be taken by the relevant authorities, particularly where it may result in a commitment of public funds. (14) In order to preserve the operational independence of supervisors, it is important to draw a clear distinction between this systemic protection role and day-to-day supervision of solvent institutions.
A In the absence of sound macro-economic policies, banking supervisors will be faced with a virtually impossible task.
B The way in which failures are handled, and their costs borne, is in large part a political matter involving decisions on whether, and the extent to which, public funds should be committed to supporting the banking system.
C Where problems are remediable, supervisors will normally seek to identify and implement solutions that fully address their concerns.
D Supervisors will also normally have a role to play because of their in-depth knowledge of the institutions involved.
E The lower the tolerance of risk to banks and the financial system, the more intrusive and costly supervision is likely to be, eventually having an adverse effect on innovation and resource allocation.
F Off-site monitoring can often identify potential problems, particularly in the interval between on-site inspections.
G While thecost of banking supervision is indeed high, the cost of poor supervision has proved to be even higher.
H Among the issues to be addressed are corporate governance and ensuring that accurate, meaningful, transparent and timely information is provided by borrowers to investors and creditors.
(9)
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