题目内容
（请给出正确答案）
A．exchange
B．reduce
C．replace
D．trade
简答题官方参考答案
（由简答题聘请的专业题库老师提供的解答）
更多“Many in the credit industry expect that credit cards will eventually ________ paper”相关的问题
Qustion 1
听力原文： A Credit Card
A: Excuse me. May I come in？
B: Yes, of course. What can I do for you？
A: I want to make clear something about the credit cards, because our university wants to give every teacher a credit card as a new-year gift. Is this a right place for that purpose？
B: Yes indeed. Please take a seat. My name is Jane Lee. I'm in charge of the Credit Card Department.
A: Oh, nice to meet you, Mr. Lee. This is my name card. I'm Jane Smith from Capital University.
B: Ok, Mrs. Smith. Tell me please what would you like to know？
A: Well, we know nowadays credit cards are very popular. Many feel that it will only be a matter of time before credit cards completely replace cash and checks for both individuals and organizations. But we are not very clear about what it is.
B: Credit cards, or bank credit cards are instruments issued by banks to carefully selected applicants.
A: I hear that with it you can do many things.
B: Yes. It can be for use in obtaining, on credit, consumer goods, services and other things when necessary.
A: One of our teachers told me that we can draw cash by using it.
B: Correct. They may also be used in obtaining cash. Under bank credit scheme, customers are provided, usually free of change, with a plastic card carrying a line of credit which varies according to the financial status of a card holder.
A: Yeah. I remember some people calling it plastic money.
B: It's because the cards are made of plastics. They are generally called plastic cards and bank credit cards are merely a kind of such plastic cards.
A: What are the special features of this kind of card？
B: With a credit card, you can pay for purchases a month later, without any extra charge.
A: Sounds interesting. Another attractive point？
B: You may choose to make your payments over several months and pay only part of the total amount each month.
A: Well, Mr. Lee. This service seems too nice to be believed.
B: Yes, Mrs. Smith. But it's true. However. In this case, the bank who sponsors the credit card, will add a small service charge to your total bill.
A: Look. There is no such thing as a free lunch.
B: Nevertheless, it is very convenient for the customer.
A: I see. It's convenient indeed. What are its main characteristics？
B: With the credit card, you don't have to carry much money. This is the main advantage of it.
A: Please explain it to me, Mr. Lee. I'm interested in it.
B: This is not only saves your time otherwise taken to make your trips to the bank to cash checks or withdraw cash, but also will relieves you from worrying about losing the money through carelessness or theft.
A: That's great for our teachers who sometimes travel with cash during their vacations. I think it will be a good gift for them. By the way, may I know how you, I mean banks, profit themselves from issuing the cards？
B: Banks profit from the fees they charge the stores that accept credit cards and also from the fees collected from customers who pay for their purchases in monthly installments.
A: In our times, there exists a rule: profit and risk come together. So banks also encounter some risks in operation of the business. Then what are the probable risks？ I'm just curious about that.
B: A good question! Everything is two-sided. Banks sometimes have problems collecting overdue payments from bad customers. And banks are also responsible for the goads and services illegally charged to their customers' accounts, for instance, the use of stolen, lost or counterfeit cards by criminals.
A: OK. Thank you Mr. Lee for the explanations. Now I've had valuable knowledge. So we have almost decided to make a deal with your banks. But can you send a team to our university to handle all those procedures？ Because as a university we have many teachers, and it will be convenient for both of us to go through the procedures on our campus.
B: Yes. Of
M: Well, we have a big Peony Card family, including Peony Credit Card, Money-Link Card, Peony Debit Card, Peony International Card and Peony Special Card. I think the Money-Link Card is suitable for you, mam.
W: Is there anything special of this card？
M: With this card, you can enjoy services like consumption at POS terminals of all merchants, payroll service and payment for electricity and gas.
How many kinds of cards does the Peony Card family have？
A．Three
B．Four
C．Five
D．Six
短文理解
听力原文： In the United States, even if you decide that you do not want to borrow in order to go on vacation, it is still a good idea for you to have several major credit cards. These provide positive identification when renting an automobile and can be used for the deposit. The credit card receipts will serve as an accurate record of all hotel, plane, train, and restaurant expenses. The use of credit cards avoids the necessity of carrying large amount of cash, purchasing large amounts of traveler's cheeks and keeping track of them, or attempting to use personal checks in places other than your own locality.
Many major credit cards provide an instant cash service in case you run out of money. American Express, for example, has set up machines in major airports in which you can purchase traveler's checks using your American Express card.
21. The credit card receipts will serve as accurate record for all but which of the following choices？
22.Which of the following is not true about the use of credit card？
23.Concerning the advantages of credit cards, which of the following is true？
24.According to the passage, which card has set up machines in major airports？
(21)
A．hotel expenses
B．stock exchange
C．plane expenses
D．restaurant expenses
SECTION A MINI-LECTURE
Directions: In this section you sill hear a mini-lecture. You will hear the lecture ONCE ONLY. While listening, take notes on the important points. Your notes will not be marked, but you will need them to complete a gap-filling task after the mini-lecture. When the lecture is over, you will be given two minutes to check your notes, and another ten minutes to complete the gap-filling task on ANSWER SHEET ONE. Use the blank sheet for note-taking.
听力原文： Good morning, everyone. First about your second assignment. I'd like to remind you that your second assignment should be in by next Fri day. You can either put it in my pigeon hole, or leave it with the Department's secretary. Now, let's get down to the lecture.
Today, the lecture is on credit, er, or to be more specific, on credit cards. I'm sure you must have heard of some credit cards, like the VI SA card, which is an internationally used card, or the Great Wall card issued by the Bank of China, In order to give a better understanding, we'll discuss it in some detail.
Many businesses, such as department stores, restaurants, hotels and airline companies, use a credit system for selling their products and services. In a credit system, the seller agrees to sell something to the buyer without immediately receiving cash. He receives the goods or ser vices immediately and promises to pay for them later. This buy-now-pay later credit system is quite old.
There are two types of credit cards. One type is issued directly by a store to a customer. Many large department stores issue credit cards to their customers. The store credit card can be used to make purchases only at a particular store. For example, if you have a credit card from Store A, then you can only buy things in that store. Other stores would not accept it. The other kind of credit card is issued by a credit company. Credit cards from credit companies can be used to buy things almost anywhere. If you have a major credit card, you can buy airplane tickets, stay at hotels and eat at restaurant with it. Most large credit companies are connected to large banks. So if you want a credit card from a credit company, you generally have to make an application at a bank. After an applicant receives a credit card, he or she can make purchases using the
card.
The credit company sends the customer a statement of purchases at the end of each month. Generally the customer has to pay 25--50% of their credit hill every month. The customer pays directly to the credit company and the credit company pays to the store or hotel or restaurant.
There are some advantages and some disadvantages to using credit cards. The biggest advantage for the consumer is expressed by the phrase "buy now, pay later". This means that the consumer can purchase what he wants when he wants it. There is no need to save up money in advance. Another advantage of having a credit card is that it protects the owner, ff a credit card is lost or stolen, the owner only has to call the credit company and the credit company will stop the credit card number. No one else can use it. So the owner doesn't have to worry about losing the card. Another advantage of the credit card system is that the consumer receives a record of his or her purchases. Every month the credit customer receives a bill. The bill has a list of all purchases from that month. This makes it easier to remember when and where purchases are made. And another advantage is that credit cards can be used when something unexpected happens. Many kinds of professional people—plumbers, taxidrivers, doctors and dentists—will accept credit cards in an emergency. This is very important if you don't have any cash with you.
However, having said all that, using credit cards has one major disadvantage. That is, consumers tend to overspend their money. They spend more than they make. If a consumer buys a lot of th
听力原文：M: I'm looking for some sports shoes. Can you give me some advice？
W: That's what I'm here for, Sir. Could you tell me what size you take？
M: Of course, 41.
W: Ok, we have plenty of choices for you. What colour would you prefer？
M: I was thinking about red, but I am well known for fashion disasters!
W: Not at all. I think red is a very good choice. It is THE colour this season. How about these？
M: They are great. Can I try them on？
W: Certainly, just give me a moment while I get a pair in your size. Please, take a seat. I will be back in a moment.
M: They are really comfortable, and they look great. They are exactly what I was looking for. How much are they？
W: On special offer for 85 pounds. Just let me box them up for you. Please make your way over to the cash desk.
M: Do you accept credit cards？
W: Yes, we accept all major cards here.
(20)
A．Few things.
B．Not many things.
C．Plenty of choices.
D．Nothing in his size.
听力原文：M: I'm looking for some sports shoes. Can you give me some advice？
W: That's what I'm here for, Sir. Could you tell me what size you take？
M: Of course, 41.
W: Ok, we have plenty of choice for you. What colour would you prefer？
M: I was thinking about red, but I am well known for fashion disasters!
W: Not at all. I think red is a very g0o. d choice. It is THE colour this season. How about these？
M: They are great. Can I try them on？
W: Certainly, just give me a moment while I get a pair in your size. Please, take a seat. I will be back in a moment.
M: They are really comfortable, and they look great. They are exactly what I was looking for. How much are they？
W: On special offer for 85 pounds. Just let me box them up for you. Please make your way over to the cash desk.
M: Do you accept credit cards？
W: Yes, we accept all major cards here.
(20)
A．few things.
B．not many things.
C．plenty of choice.
D．nothing in his size.
What are the speakers mainly discussing？
A．The adviser directs the student on how to get a Bachelor of Arts in English.
B．The adviser gives some advice to the student about her courses.
C．The adviser explains the courses and class grades in detail.
D．The adviser instructs the student on how to pay her tuition.
How many other parties are there which facilitate the documentary credit？
(1)The ______.
(2)The ______.
(3)The ______.
(4)The ______.
How many basic parties are there in a documentary credit？
(1)The ______.
(2)The ______.
(3)The ______.
Qustion 1
听力原文： Letter of Credit
A: East Bank. Good morning.
B: Hello. May I speak to the officer in charge of opening Letter of Credit for customers.
A: Yes, this is George Tangkerson speaking. What can I do for you？
B: This is Andrea Yang from Southeast Computer Ltd. We have an oversea supplier who wants to settle payment through L/C. Since this is the first time we have a transaction, they prefer the safest way of securing settlement, and suggest L/C. But we never handled it before. And your bank is our favorite one where we do all our banking. So I'd like to know about L/C to smooth that new deal.
A: OK. Mrs. Yang, thank you for choosing our bank as your favorite bank. In fact, a documentary letter of credit, after payment in advance, represents the safest and fastest way of securing payment for exporters, as the exporters can personally retain control of the documents of title to the goods until the moment of acceptance of a bill of exchange.
B: I see, that's why they want it. Could you tell me how many parties are involved in a credit？
A: Strictly speaking, there are five parties. The first one is the applicant, usually the buyer. In your case, it's you. You arrange a credit in accordance with the terms of the contract you have made with the beneficiary.
B: You mean with the supplier？
A: Exactly, he is the second party, and the credit is issued in his favor.
B: I was told that if I come to your bank and ask you to open a L/C for us, you function as the issuing bank.
A: Correct. We, the issuing bank, commit ourselves in accordance with your instruction. And here comes the fourth party—the advising/confirming bank, which is located in the country of the beneficiary and is usually our bank's correspondent. I mean the issuing bank's correspondent. Then, the paying/accepting bank makes payment to the beneficiary.
B: So in the process of making settlements by means of L/C, first of all, the buyer applies to the issuing bank to open a credit in favor of the exporter. Will his application always be approved？ How about my application？
A: Not necessarily. It will depend on the buyer's creditworthiness. Before issuing a credit, the bank must make certain of its customer's creditworthiness. If this is satisfactory, the credit is then advised to the exporter through a bank in his own country, that is the advising bank. In your case, I assure you that your application will be accepted, because we know your company very well through all the banking you have done with our bank.
B: Glad to hear that. Then, what is the issuing bank supposed to do next？
A: Under the term of credit, the issuing bank undertakes that the seller will be paid for his goods if he complies with certain stated conditions: these will call for certain documents, such as invoices, bills of lading and insurance documents. On condition that the documents presented to the advising bank due to him in exchange for tine documents.
B: Will the paying bank send the documents to you or to us？
A: To us by air-mail, never to you. When we have received the documents, we hand them to you. And when the ship docks, your company will presents the bills of lading to the shipping company and receive your goods.
B: So the payment for the goods by our company to you is a matter of arrangement between us and of no concern to the exporter？
A: That's right. And the settlement between the banks for the amount paid by the issuing bank is carried out through their nostro and vostro accounts.
B: Oh, I see. The advantage of a credit to the seller as you mentioned is self-evident—he knows that he will receive the payment provided he complies with its terms, then are there any benefits to us？
A: Yes. Because the payment will only be made by the advising bank when the exact documents specified have been received—as these are the documents of tide, then once they are in hands of th
One of the advantages of credit cards is that______.
A．there are many kinds of credit cards
B．they are not easy to lose
C．they can be canceled after being stolen
D．they are easy to carry with
警告：系统检测到您的账号存在安全风险
为了保护您的账号安全，请在“简答题”公众号进行验证，点击“官网服务”-“账号验证”后输入验证码“”完成验证，验证成功后方可继续查看答案！
