The money a bank uses for lending is borrowed from depositors.A．RightB．WrongC．Doesn't say

第1题：

Security is required on loans so that ______.

A．the lending bank can enjoy higher interest receipts from the loan

B．the borrower is more willing to pay back the money

C．the funds borrowed will be repaid within a shorter period of time

D．more prime borrowers are attracted

正确答案：B
解析：文章第一段提到As long as the borrower...strong incentive to repay the obligation.发放贷款时银行要求借款人提供抵押是为了提高贷款的安全性，在心理上给予银行一定的安全感，一般借款人在提供抵押品之后其还款意愿会有所提高。

第2题：

If employees of a bank gamble in foreign exchange dealings with the bank's money, the bank will suffer heavy losses of foreign currencies.

A．Right

B．Wrong

C．Doesn't say

正确答案：A
解析：第一句中间dealing positions taken by employees who gamble with the bank's money以及举例，都说明了题中观点是正确的。

第3题：

The bank (56) borrowers enough interest to pay the expense of the bank and have something left over for (57) . The interest cannot be higher than the legal rate, which is established by state law and in most states is 6% per year. (58) big loans, the interest rate is much less, even as low as 2%. The rate depends on the money market, when there is plenty of money (59) to be borrowed, banks charge low rates of interest. A savings bank may pay its depositors 2% and lend the money at 3.5% or 4%. But when money is tight, interest rates go up, and a savings bank may try to (60) depositors by offering 4% or 4.5% or even more and lending the money at 5% or 6%.

(41)

A．receives

B．gets

C．charges

D．pays

正确答案：C
解析：句意：银行向贷款人索取足够的利息以支付银行日常开销，并保证部分盈余。这里表示索取费用的词是charge。receive收到。pay支付，交纳。

第4题：

共用题干
第二篇

Saving Money

Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert,then probably you would keep your money
somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'II have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and the
money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.

If you draw your money before it is due,you will have to
A:pay interest to the bank.
B:close your account.
C:open a new account.
D:pay a penalty or fee,

答案：D

解析：

第5题：

By "Angel money", the author refers to__________.

A.the money borrowed from banks
B.the money spent to promote sales
C.the money raised from close friends
D.the money needed to start a business

答案：D

解析：

从文章第一段“So，I began looking around for individuals who would be my first investors．“Angel moilev”it was called．”可知“Angel money”是第一批投资商投入的资金，此时公司刚刚成立，从而可以推断“Angel money”是用来创业的，故选D项。

第6题：

共用题干
第二篇

Saving Money

Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.

Interest is the amount of money which
A:a bank lends to people.
B:a bank loans to businesses.
C:a bank pays you.
D:a bank uses.

答案：C

解析：

第7题：

共用题干
第二篇

Saving Money

Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.

A bank statement tells you
A:the amount of money you have in the bank.
B:the current rates of interest.
C:the current rates of exchange.
D:the best way to save your money.

答案：A

解析：

第8题：

共用题干
第二篇

Saving Money

Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.

Your money will earn more money if you put it
A:in your room.
B:in a piggy bank.
C:in your pocket.
D:in a savings account.

答案：D

解析：

第9题：

共用题干
第二篇

Saving Money

Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.

The word"touch" in paragraph 7 could be best replaced by
A:"deposit".
B:"lend".
C:"use".
D:"cash".

答案：C

解析：

第10题：

共用题干
第二篇

Saving Money

Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.

A bank pays you interest for
A:wasting your money.
B:losing your money.
C:using your money.
D:decreasing your money.

答案：C

解析：

第11题：

共用题干
第三篇

Saving Money

Where you save your money often depends on what you are saving for. If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?
One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in?If you put your money in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you how much money there is in your account. It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow. You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.
You can't touch your money during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account. Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So, you may want to compare rates in newspaper ads before buying a CD.

If you draw your money before it is due,_______.
A:you have to pay interest to the bank
B: you have to close your account
C:you have to open a new account
D:you have to pay a penalty or fee

答案：D

解析：

文章第三段提到“Putting your money in a savings account will help your money earn more money"，因此选D。
第四段第二句“Interest is the amount of money a bank pays you to use your money"，利息是银行付给储户的钱。
第五段第二句提到bank statement告诉储户账户里有多少钱，其中利息收入是多少。
第七段说到如果你提前支取，会被收取一定的费用，所以选D。
touch在此的意思是储户在储蓄期内不可以取钱，因此选C。

第12题：

单选题

Interest rates will usually increase after people have borrowed money.

A

Right.

B

Wrong.

C

Doesn’t say.

正确答案： A

解析：
句意：人们借钱之后，利率通常会上涨。文中并未提及。

第13题：

听力原文：M: What margins will the lending bank charge?

W: Margins mainly depend on these factors: evaluation of credit risk, maturity of credit, and the starting point from which onwards the rate of interest shall be firm.

Q: How many factors do margins charged by the lending bank mainly depend on?

(12)

A．Four.

B．Two.

C．Three.

D．Five.

正确答案：C
解析：录音原文提到Margins mainly depend on…the rate of interest shah be firm．所以C选项正确。

第14题：

Each month the credit cardholder will receive a statement from the bank showing the details of the transactions excluding the total amount outstanding.

A．Right

B．Wrong

C．Doesn't say

正确答案：B
解析：从第三段第一句Each month the cardholder receives…together with the total amount outstanding and any minimum amount that needs to be paid．容易得出。

第15题：

The correspondent bank can only make money for its services to other banks from deposit balances maintained by bank customers.

A．Right

B．Wrong

C．Doesn't say

正确答案：B
解析：文中第一句话The correspondent banks are paid indirectly,...as well as by direct money payments.可以看出。

第16题：

What does“down payment”refer to in the passage? __________

A.Money borrowed from a bank as a mortgage
B.Money paid to a bank before the mortgages is given
C.Interest received by a person who borrows money as the mortgages
D.Interest charged by a bank on a mortgage

答案：B

解析：

从文章末段倒数第二句“111e bankwillthenlend youthe rest ofthemoneyto buythe house”可以推知“down payment”是在取得贷款之前自己先支付的那部分款项。即首付款。故选B项。

第17题：

共用题干
第二篇

Saving Money

Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.

If you draw your money before it is due,
A:you have to pay interest to the bank.
B:you have to close your account.
C:you have to open a new account.
D:you have to pay a penalty or fee.

答案：D

解析：

第18题：

共用题干
第二篇

Saving Money

Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.

The word"touch" in paragraph 7 could be best replaced by
A:"deposit".
B:"work".
C:"use".
D:"cash".

答案：C

解析：

第19题：

共用题干
第二篇

Saving Money

Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.

Which way will help your money earn more money?
A:Putting your money in your room.
B:Putting your money in a piggy bank.
C:Putting your money in your pocket.
D:Putting your money in a savings account.

答案：D

解析：

第20题：

共用题干
第二篇

Saving Money

Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.

Among other things,a bank statement tells you
A:the amount of money you have in the bank.
B:the current rates of interest.
C:the current rates of exchange.
D:the best way to save your money.

答案：A

解析：

第21题：

共用题干
第二篇

Saving Money

Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.

If you draw your money before it is due,you will have to
A:pay interest to the bank.
B:close your account.
C:open a new account.
D:pay a penalty or fee.

答案：D

解析：

第22题：

共用题干
第三篇

Saving Money

Where you save your money often depends on what you are saving for. If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?
One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in?If you put your money in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you how much money there is in your account. It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow. You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.
You can't touch your money during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account. Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So, you may want to compare rates in newspaper ads before buying a CD.

A bank statement tells you_______.
A:the amount of money you have in the bank
B:the current rates of interest
C:the current rates of exchange
D:the best way to save your money

答案：A

解析：

文章第三段提到“Putting your money in a savings account will help your money earn more money"，因此选D。
第四段第二句“Interest is the amount of money a bank pays you to use your money"，利息是银行付给储户的钱。
第五段第二句提到bank statement告诉储户账户里有多少钱，其中利息收入是多少。
第七段说到如果你提前支取，会被收取一定的费用，所以选D。
touch在此的意思是储户在储蓄期内不可以取钱，因此选C。

第23题：

单选题

The bank charges 6 per cent_____on all money borrowed from it.

A

salary

B

pay

C

income

D

interest

正确答案： D

解析：

The money a bank uses for lending is borrowed from depositors.A．RightB．WrongC．Doesn't say

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