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 Time deposits may not be withdrawn on demand like a check account.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.
第1题:
Euro CDs are the negotiable certificates of deposit denominated in European currencies issued by American hanks outside the United States.
A.Right
B.Wrong
C.Doesn't say
第2题:
听力原文:The rate of interest on savings accounts is usually a little lower than that on deposit accounts.
(5)
A.There is a higher rate of interest on deposit account.
B.There is a higher rate of interest on savings account.
C.The rate of interest on deposit accounts is always much higher than that on savings accounts.
D.The rate of interest on deposit accounts is usually much lower than that on savings accounts.
第3题:
听力原文:The owners of limited companies are people who have bought shares in the company.
(6)
A.The shareholders are the owners of limited companies.
B.Shareholders deposit their money in the limited companies.
C.The shareholders can sell shares of limited companies to the public.
D.Shareholders of limited companies are able to make profits continuously.
第4题:
听力原文:M: It is reported that in some countries banks are not allowed to make investments in equity securities.
W: Generally commercial banks may invest only in those securities that are rated as "investment grade", or have bond ratings in the top four categories.
Q: Where are banks only allowed to make investments?
(15)
A.In equity securities.
B.In personal funds.
C.In securities rated as investment grade.
D.In property markets.
第5题:
What will happen if there is one commercial bank and no thrifts in a small town?
A.The residents will deposit their money with the bank.
B.The local bank will provide business loans to the commercial bank.
C.Some large banks will transport money by check to the bank.
D.People in the area will not deposit money with the bank.
第6题:
听力原文: When a savings account is opened in a bank, the depositor must sign a deposit agreement. By signing agreement, the depositor agrees to abide by the rules and regulations of the bank. At this time, a passbook may be given to the depositor. This is a small book in which the bank teller enters the date and amount of each deposit or withdrawal and initials the entry. The passbook is to be presented at the bank or mailed to the bank along with a deposit or withdrawal slip each time money is deposited or withdrawn from the account. An alternative practice for depositing or withdrawing money from a savings account is to give the depositor a small register for recording deposits and withdrawals and a pad of deposit withdrawal rotors. This procedure eliminates the use of the passbook.
24. What is the purpose of signing a deposit agreement?
25.What does a depositor do with a passbook?
26.What is the aim of a small register and a pad of deposit withdrawal forms?
(24)
A.To follow the bank's rules and regulations.
B.To have the right to make full use of the bank's facilities.
C.To open an account in the bank.
D.To protect the depositor's interest.
第7题:
听力原文:M: What should I do with my sight deposit if I need some money right now?
W: Oh, that's easy. You can either use the cash dispensers or you can write cheques.
Q: What does the man want to have now?
(14)
A.Cash.
B.Sight deposit.
C.Cash dispenser.
D.Cheque.
第8题:
A、secure
B、ensure
C、safeguard
D、assure
第9题:
听力原文:W: Well, yes. What about interests on those accounts? I'm interested in fixed time deposits accounts.
M: There are three kinds of fixed deposits, Madame. They are three-month, six-month and twelve-month deposits. The interest on a three-month deposit is 4.5% per annum, on six month 5%, on twelve month 5.5%.
Q: What is the interest rate on a six month deposit?
(12)
A.4%.
B.4.5%.
C.5%.
D.5.5%.
第10题:
第11题:
第12题:
第13题:
CDs may be exchanged for money before its maturity date either in money markets or at commercial banks.
A.Right
B.Wrong
C.Doesn't say
第14题:
单句理解
听力原文:These time deposits earn higher interest rates, which may be fixed or floating, but no withdrawals are allowed until the term has ended.
(1)
A.Sometimes the interest rates on time deposits are not fixed.
B.People can draw these deposits at any time.
C.The interest rates on time deposits are fixed.
D.The interest rates on time deposits are floating.
第15题:
听力原文:M: CDs can be traded in the money market at any time. They are more flexible than fixed-term deposits.
W: That's right. So banks usually offer slightly lower interest rates on them.
Q: Which of the following has a higher rate?
(13)
A.CDs.
B.Demand deposits.
C.Fixed-term deposits.
D.Building societies deposits.
第16题:
听力原文: If you want to invest money at short term, you've got several possibilities: first, a current account. This gives you the possibility of having all your money at your immediate disposal. It also entitles you to a cheque-book. Second, you've got a deposit account, which usually pays about 3. 5% interest, less tax. In that respect, a deposit account's a better investment than a current account. However, though you are entitled to a cheque-book, you can only withdraw up to a certain sum each month. For large amounts, you must give the bank a few months' notice. Finally, you have certificates of deposit. These pay in the order of 6.5% interest.
28. How many possibilities are there for a customer to invest money at short term?
29.With what kind of deposit can a customer NOT use a cheque-book?
30.What is the interest rate for maintaining a deposit account?
(28)
A.2.
B.5.
C.4
D.3
第17题:
听力原文:Your check is a forward one. We will make payment at the maturity.
(3)
A.You can have the check encashed now.
B.You will have the money in one or two days.
C.You can not have the check encashed.
D.You have to wait for the payment till the maturity.
第18题:
A certificate of deposit (CD) is issued by a depository- institution (56) that the holder has deposited at the institution a certain mount of money for a certain period of time. By issuing a certificate of deposit, a bank, or (57) institution, gives its pledge to (58) the certificate at maturity and to pay a certain rate of interest for the use of the deposited funds.
Certificates of deposit are issued in several different forms. They may be negotiable or nonnegotiable, If a CD is negotiable it may be sold on the secondary market (59) to maturity. Usually only large CDs are issued in negotiable form. CDs may also be issued either in bearer or registered form. Negotiable CDs are usually always issued in bearer form. because of the ease with which ownership may be (60) .
(41)
A.evidence
B.fact
C.proof
D.prove
第19题:
听力原文:M: What is a cheque card?
W: It was originally issued in UK. British banks started to issue cheque cards in 1965, and as from 1969 all the main commercial banks in Britain agreed to issue a standardized form. of cheque card.
Q: What happened to British banks in 1969?
(17)
A.All the main commercial banks in Britain agreed to issue a standardized form. of cheque card.
B.British banks started to issue credit cards.
C.Customers of British banks may cash their cheques in European countries.
D.Commercial banks in the United States began to issue cheque card.
第20题:
对话理解
听力原文:W: Since I have some spare cash in my account, I would like to open a time deposit account here. Can you give me some information please?
M: With pleasure. We have many kinds of time deposit accounts: 1 month, 3 month, 6 month and 1 year.
Q: What is the possible relationship between the two speakers?
(11)
A.Customs officer and travelers.
B.Employer and employee.
C.Business associates.
D.Bank clerk and customer.
第21题:
第22题:
第23题: