听力原文：The bank has special obligation to depositors, because it makes profits from their money as well as its own.(4)A．The bank makes profits only from its own money.B．The bank makes profits from not only the deposits but also its own money.C．The bank has
题目
听力原文：The bank has special obligation to depositors, because it makes profits from their money as well as its own.
(4)
A．The bank makes profits only from its own money.
B．The bank makes profits from not only the deposits but also its own money.
C．The bank has special obligation to make profits.
D．The bank makes profits by having special obligations to depositors.
相似考题
参考答案和解析
正确答案：B
解析：单句意思为“银行对于存款人担有特殊的义务，因为它的收益部分来自存款，部分来自自身的资本金。”
解析：单句意思为“银行对于存款人担有特殊的义务，因为它的收益部分来自存款，部分来自自身的资本金。”
更多“听力原文：The bank has special obligation to depositors, because it makes profits from their money as well as its own.(4)A．The bank makes profits only from its own money.B．The bank makes profits from not only the deposits but also its own money.C．The bank has ”相关问题
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第1题：
American students learn business skills in school. Here is a story about some American students who learnt business skills by operating their own banks. In December 1987, the Twiglet Bank was opened at an Elementary School in Miami, Florida. It is a real bank that accepts money for savings and makes loans, and it is operated by students between 10 and 12 years old.The bank is open for one hour two days a week. Students can put their money into the bank and withdraw it as they wish. Officials from a local bank helped the students start the bank. They trained twenty-three of them to do all the different kinds of bank jobs, from counting money to guarding the bank. The students needed money to start the bank. They raised more than $ 2,000 by selling 50-dollar shares in the bank to parents, teachers, the local bank workers, and customers. Organizing and operating the bank has taught the children a lot about the banking business. They have learned about raising and investing money and how to use computers and other banking equipment. They have also learned how to ask for a job and to be responsible for their jobs.
1. Who helped these children start a bank()
A. Parents
B. Teachers
C. Bank staff
2. How did children raise money for their bank()
A. Their schools provided financial support for them.
B. They sold shares to their parents, teachers, local bank workers and customers.
C. They found an organization to donate a set of fund.
3. Who is currently operating Twiglet Bank()
A. Teenagers
B. Community
C. Government
4. Which is not TRUE for the benefits of children from operating their own banks()
A. They learned how to use computers and banking equipment.
B. They learned how to find a job and do it well.
C. They learned how to produce the money.
5. What is the best title for this passage()
A. A Bank of Miami
B. A Students’ Bank
C. The Operation of American Banks
参考答案：子问题 1:C; 子问题 2:B; 子问题 3:A; 子问题 4:C; 子问题 5:B
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第2题：
听力原文：If a remitting bank fails to take proper care in the outward collection, the exporter will soon transfer his account to one which does.
(7)
A．If a remitting bank cannot take proper care in collection, the exporter will do it himself.
B．If a remitting bank cannot fulfill its obligation in collection, the exporter will claim indemnify for it.
C．If a remitting bank cannot take proper care in collection, it will lose a customer.
D．If a remitting bank cannot fulfill its obligation in collection, it will cause loss to the exporter.
正确答案：C
解析：单句意思为“如果汇出行没能及时处理好出口托收，出口商将把它的账户立即转到另一家银行。” -
第3题：
In the foreign exchange market, which is made up of banks' traders and brokers, prices (61) every minute (62) to supply and demand. For safety's sake, a branch will get a rate from their traders for a big transaction. Therefore the traders give their branches lists of exchange rates (63) they may buy and sell notes and payments in the main currencies.
Whenever a bank in Britain makes a payment in foreign currency, or makes a payment in sterling to a non-resident, the payment has first to (64) under British exchange control regulations. The bank itself can usually authorize the payment after seeing a document such as an invoice to show that the payment is due; but cases (65) borrowing and lending have to be referred to the Bank of England.
(46)
A．alter
B．vary
C．turn
D．convert
正确答案：B
解析：vary变化，改变，不及物动词。alter改变，常作及物动词。convert使转变，转换。 -
第4题：
听力原文：M: I want to cash this check for my mother, but the teller told me to bring it here.
W: Yes, Sir. That's an out-of-town personal check. We wouldn't be able to cash it for you until the proceeds are collected from the paying bank.
Q: How will the bank deal with the man's check?
(18)
A．The bank will cash the check immediately.
B．The bank will issue a new bank account and deposit the money for him.
C．The bank will cash it for him until the proceeds are collected from the paying bank.
D．The bank will endorse the check before payment.
正确答案：C
解析：根据女士的说法，男士不能直接使用个人支票提取现金，因为这张个人支票跨出了地域范围，需要等到支付行付了手续费后，才能提取现金。 -
第5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6题：
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
Mr. Jin agrees with the following ideas except ( ).A.World Bank and the Asian Development Bank emphasize more on poverty reduction than Asian Infrastructure Investment Bank does.
B.The Asian Infrastructure Investment Bank will be devoted to improve develpomengt in Asia.
C.The Asian Infrastructure Investment Bank will work together with the World Bank, the Asian Development Bank and the European Bank for Reconstruction and Development.
D.The Asian Infrastructure Investment Bank will pose a challenge to the United States.答案：D解析：本题考查的是细节理解。
【关键词】Mr. Jin; agrees; except
【主题句】第四段Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty.（不像世界银行和亚洲开发银行,亚洲基础设施投资银行没有那么强调减少贫困。 ）
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia（尽管新银行是中国的想法,但其目的是作为一个国际银行致力于改善所需的基本结构和设施来刺激亚洲发展。）
Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”（当提到其他三个资助该项目的机构时，他说,“我们可以很完美得一起工作。”
第五段But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture.（但奥巴马政府主要担心的是，亚洲基础设施投资银行将挑战当前的发展架构。）
第六段In the past year, Mr. Jin has worked to reassure Washington（在过去的一年中,金先生努力打消了美国政府的疑虑。）
【解析】本题问“金先生同意以下除了（ ）的观点？”选项A意为“世界银行和亚洲开发银行比亚洲基础设施投资银行更强调减贫”；选项B意为“亚洲基础设施投资银行将致力于改善亚洲的发展”；选项C意为“亚洲基础设施投资银行将与世界银行，亚洲开发银行和欧洲复兴开发银行合作”；选项D意为“亚洲基础设施投资银行将对美国构成挑战”。
根据主题句可知，美国政府担心亚洲基础设施投资银行会对其构成威胁，但金先生打消了其疑虑，说明他本人是不赞成这个观点的。故选项D错误。 -
第7题：
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
About the four projects, which one of the following statements is false? （ ）A.The project will only improve road in Tajikistan by three miles but it will do great help.
B.Local people welcome the projects.
C.The Asian Infrastructure Investment Bank can start the projects quickly with the finance of other institutions.
D.The project in Bangladesh is also financed with other institutions.答案：D解析：本题考查的是细节理解。
【关键词】four projects; false
【主题句】第二段The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe.（在塔吉克斯坦的道路只有三英里长,但它将帮助清除在首都杜尚别附近的一条重要的贸易路线的交通拥堵。） 第一段the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.该项目经济安全、保护环境，被当地人民广泛接受。
第三段Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly.（其中三个项目正在同时被其他几所机构资助—亚洲开发银行、世界银行和欧洲复兴开发银行,这个方法能够使新银行快速开展项目。）
第三段The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project.（该银行的1.65亿美元贷款被用于扩大孟加拉国农村地区的电力，这是该银行唯一的独立项目。）
【解析】本题问“关于这四个项目，哪个描述是错误的？” 选项A意为“这个项目只会改善塔吉克斯坦三英里的道路，但会有很大的帮助”；选项B意为“当地人欢迎这些项目”；选项C意为“亚洲基础设施投资银行可以利用其他机构的资金快速启动项目”；选项D意为“孟加拉国的项目也由其他机构提供资金”。
根据主题句可知，孟加拉国的项目是亚洲基础设施投资银行唯一的独立项目，没有其他机构协助，故选项D错误。 -
第8题：
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
According to the article, which one of the following statement is true?（ ）A.Britain’s exit from European Union will have an impact on its membership in the bank.
B.United States and Japan will join the Asian Infrastructure Investment Bank soon.
C.More countries are interested in the membership in the bank.
D.Germany and France will join the bank soon.答案：C解析：本题考查的是推理判断。
【关键词】following statement; true
【主题句】第七段The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference.（英国撤出欧盟预计不会影响到它与银行的关系,金先生说。“我相信英国将继续对银行发展起到重要作用,”他在新闻发布会上说。）
第五段The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank.（2014年，美国拒绝加入该组织。日本也没有寻求加入亚投行。）
第八段Two dozen countries have expressed interest in joining the bank， and they sent observers to the two-day meeting， Mr. Jin said. 24个国家已经表示出加入亚投行的意愿，他们派遣观察员参加为期两天的会议，金先生说。
第七段Other members of the European Union， including France and Germany， rushed in after Britain.（其他欧盟成员国，包括法国和德国,，紧随英国加入进来。）
【解析】本题问“根据文章，以下哪个描述是正确的？” 选项A意为“英国退出欧盟将对其在该银行的会员身份产生影响”；选项B意为“美国和日本即将加入亚洲基础设施投资银行”；选项C意为“更多的国家对银行会员资格感兴趣”；选项D意为“德国和法国将很快加入银行”。
根据主题句可知选项A错误,不会影响。 选项B错误，它们拒绝加入。选项C正确。选项D错误，法国德国已经加入，不是将要加入。 -
第9题：
共用题干
Federal Deposit Insurance Corporation
Before 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.
As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.53._________
A: Because
B: Because of
C: As a result
D: Considering答案：A解析：从后文可知，本句是条件从句，条件从句应当由if引导。
从货款这个概念应当推断出，应当是归还，而不是存储或者发现。
本句前一部分和后一部分是因果关系，应当用because引导这个从句，because of后面跟的是名词或名词性短语，而不是从句。
我们从整个句子的语态来看，本句是虚拟语气，应当选D。此外，根据前一部分“the band would soon be unable to meet withdrawals”中的语态，我们也能做出相应的判断。
call on意为“号召，呼吁”;call for意为“要求，提倡”;call off意为“放弃，取消”; call in意为“召回，收回”。根据题意，银行应当采取相应的收回货款的措施，因此选D。
reach peak是固定用法，例如：Sales have reached a new peak. 销售额已达到新高。
不定式符号to后面跟动词原形，所以选择C。
表达“对于……有信心”应当用介词in，即confidence in(后接名词，表示对……有信心），例如：She lacks confidence in herself．她缺乏自信心。
这里应当用指示代词来组成一个名词词组，并不是构成一个从句，并且后面跟同位语短语，所以选B。
upto意为“达……之多”，符合题意。“as many as”用于可数名词前，如果选项中有“as mucn as”，则也是正确的，因为钱是不可数名词。
has已经提示了此处应当用动词的过去分词形式表达现在完成时语态。
根据上下文，此处是指自从建立了保险制度以来，银行破产的个案是减少了，而不是增加或者消失。
根据上下文，此处表达否定意思“不再”，所以选C。
be/become concerned about意为“担心；担忧；挂念”，例如：We're rather concerned a- bout father's health．我们相当担心父亲的健康。be/become concerned in sth．意为“和某 事有牵连”。be/become concerned with意为“牵涉，与……有关，参与”。
根据上下文，此处表达“可能性”之意，所以选择possibility。 -
第10题：
Bank of China informs the beneficiary, a Chinese import and export company that a foreign bank has opened a letter of credit in his favor. The bank does not add its engagement by informing the beneficiary. The Bank of China ia acting as （）.
- A、The issusing bank
- B、The advising bank
- C、The confirming bank
- D、The negotiating bank
正确答案:B -
第11题：
单选题Bank of China informs the beneficiary, a Chinese import and export company that a foreign bank has opened a letter of credit in his favor. The bank does not add its engagement by informing the beneficiary. The Bank of China ia acting as （）.AThe issusing bank
BThe advising bank
CThe confirming bank
DThe negotiating bank
正确答案： C解析： 暂无解析 -
第12题：
问答题Practice 4 The other kind of bank—the Bank of the United States was simultaneously a commercial bank and a quasi-public central bank. The First Bank of the United States, chartered by the Congress in 1791, owed its existence to Alexander Hamilton who, shortly after becoming Secretary of the Treasury, showed remarkable insight into the financial problems of the young country and the economic implications of banking. The First Bank of the United States operated much like a private bank. But unlike a regular commercial bank, it had the federal government as a partner and number one customer. The Bank served as the fiscal agent for the government, holding government tax receipts, paying government bills, performing various financial housekeeping tasks. In return, the government kept its cash as deposits with the First Bank of the United States, giving it a huge financial base. The First Bank’s federal charter, moreover, allowed it to operate branches in all states, giving it a big competitive edge over regular state-chartered banks, which could operate only in the states that chartered them. Gradually the First Bank of the United States evolved into a sort of banker’s bank, gaining the power to police lesser commercial banks.正确答案： 【参考译文】
另外一种银行为美利坚银行,它既是商业银行又是准公共性质的中央银行。1791年,美利坚第一银行经国会特许成立,它的成立应归功于亚历山大·汉密尔顿。他就任财政部长后不久就对新生的美国面临的财政问题以及银行业的经济意义显示出极强的洞察力。美利坚第一银行在运作上很像是一家私人银行。与通常的商业银行不同的是,它拥有联邦政府为其合伙人和头号客户。它充当了联邦政府的财政代理:为政府保管税收收入、替政府办理账单支付以及为政府执行各种金融保管任务等。作为回报,政府将现金存入美利坚第一银行,从而使该银行有了巨大的金融基础。由于美利坚第一银行经联邦特许可在各州设立分行,而由各州特许成立的普通银行只能在其州内经营,所以相比之下,美利坚第一银行有很大的竞争优势。美利坚第一银行因而逐渐演化为某种“银行家的银行”,把握着监督较小的商业银行的权力。解析： 暂无解析 -
第13题：
听力原文：The bank's foreign exchange department has to keep constant track of the positions in the various currencies.
(7)
A．The bank's foreign exchange department has to record the positions in the various currencies.
B．The hank's foreign exchange department has to record the positions in the various currencies.
C．The bank's foreign branches department has to record the various foreign currency liabilities.
D．The bank's foreign branches department has to record the positions in the various currencies.
正确答案：A
解析：单句意思为“银行外汇部必须随时监测各种货币的头寸”。 -
第14题：
听力原文：If a customer informs his bank that a draft which has been issued to him has been lost, the drawee bank should be noticed immediately.
(8)
A．The customer should first notify the drawee bank of the loss of his draft.
B．The customer should first notify the drawer bank of the loss of his draft.
C．The customer should first notify the remitting bank of the loss of his draft.
D．The customer should first notify the collecting bank of the loss of his draft.
正确答案：B
解析：单句意思为“当客户丢失了银行开给他的汇票，则应立即通知付款行。” -
第15题：
Why is the British bank able to offer its customer a banker's draft drawn in dollar?
A．Its US correspondent bank prefers to make the payment.
B．It will send dollar in cash by airmail.
C．It has a dollar account with another bank in an American city where the beneficiary lives.
D．Its customer has a dollar account with it.
正确答案：C
解析：文中提到The bank is able to do this because…a dollar cheque or draft drawn on that account．是因为英国的银行在美国有往来银行。 -
第16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17题：
A bank reconciliation should be prepared periodically because ( )
A. the depositor's records and the bank's records are in agreement
B. the bank has not recorded all of its transactions
C. any differences between the depositor's records and the bank's records should be determined, and any errors made by either party should be
正确答案：C
-
第18题：
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
What does “lean” mean in Paragragh 6?（ ）A.be well organized
B.be well funded
C.be less redundant
D.be less corrupted答案：C解析：本题考查的是词义判断。
【关键词】“lean”;Paragraph 6
【主题句】第六段He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”（他还强调亚投行的结构将会较为精炼，努力做到“精干、廉洁和绿色”。）
【解析】本题问“第六段的“lean”的意思是？” lean是形容词，“瘦的、贫乏”的意思，结合上下文推断在该文中，这个词的意思是不冗余，不臃肿的。选项A，“组织有序的”选项B，“资金完备的”。选项C, “不累赘的” 。选项D，“不腐化的”。 -
第19题：
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
The Asian Infrastructure Investment Bank’s first four loans will go to the following except ( ).A.India
B.Tajikistan
C.Pakistan
D.Bangladesh答案：A解析：本题考查的是细节理解。
【关键词】Asian Infrastructure Investment Bank; first four loans; except
【主题句】第一段A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan.一家新创的中国领导的国际发展银行在周六宣布了它的前四个贷款，承诺提供5.09亿美元用于孟加拉国农村的电力建设，升级印度尼西亚贫民窟的居住条件，并改善巴基斯坦和塔吉克斯坦的公路状况。
【解析】本题问“亚洲基础设施投资银行的前四批贷款会发往除了（ ）的几国？根据主题句可知，选项A印度并不在四国之列。 -
第20题：
共用题干
Federal Deposit Insurance Corporation
Before 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.
As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.52._________
A: repaid
B: deposited
C:.found
D:.saved答案：A解析：从后文可知，本句是条件从句，条件从句应当由if引导。
从货款这个概念应当推断出，应当是归还，而不是存储或者发现。
本句前一部分和后一部分是因果关系，应当用because引导这个从句，because of后面跟的是名词或名词性短语，而不是从句。
我们从整个句子的语态来看，本句是虚拟语气，应当选D。此外，根据前一部分“the band would soon be unable to meet withdrawals”中的语态，我们也能做出相应的判断。
call on意为“号召，呼吁”;call for意为“要求，提倡”;call off意为“放弃，取消”; call in意为“召回，收回”。根据题意，银行应当采取相应的收回货款的措施，因此选D。
reach peak是固定用法，例如：Sales have reached a new peak. 销售额已达到新高。
不定式符号to后面跟动词原形，所以选择C。
表达“对于……有信心”应当用介词in，即confidence in(后接名词，表示对……有信心），例如：She lacks confidence in herself．她缺乏自信心。
这里应当用指示代词来组成一个名词词组，并不是构成一个从句，并且后面跟同位语短语，所以选B。
upto意为“达……之多”，符合题意。“as many as”用于可数名词前，如果选项中有“as mucn as”，则也是正确的，因为钱是不可数名词。
has已经提示了此处应当用动词的过去分词形式表达现在完成时语态。
根据上下文，此处是指自从建立了保险制度以来，银行破产的个案是减少了，而不是增加或者消失。
根据上下文，此处表达否定意思“不再”，所以选C。
be/become concerned about意为“担心；担忧；挂念”，例如：We're rather concerned a- bout father's health．我们相当担心父亲的健康。be/become concerned in sth．意为“和某 事有牵连”。be/become concerned with意为“牵涉，与……有关，参与”。
根据上下文，此处表达“可能性”之意，所以选择possibility。 -
第21题：
共用题干
Federal Deposit Insurance Corporation
Before 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.
As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.57._________
A:.closed
B: closing
C: close
D: has closed答案：C解析：从后文可知，本句是条件从句，条件从句应当由if引导。
从货款这个概念应当推断出，应当是归还，而不是存储或者发现。
本句前一部分和后一部分是因果关系，应当用because引导这个从句，because of后面跟的是名词或名词性短语，而不是从句。
我们从整个句子的语态来看，本句是虚拟语气，应当选D。此外，根据前一部分“the band would soon be unable to meet withdrawals”中的语态，我们也能做出相应的判断。
call on意为“号召，呼吁”;call for意为“要求，提倡”;call off意为“放弃，取消”; call in意为“召回，收回”。根据题意，银行应当采取相应的收回货款的措施，因此选D。
reach peak是固定用法，例如：Sales have reached a new peak. 销售额已达到新高。
不定式符号to后面跟动词原形，所以选择C。
表达“对于……有信心”应当用介词in，即confidence in(后接名词，表示对……有信心），例如：She lacks confidence in herself．她缺乏自信心。
这里应当用指示代词来组成一个名词词组，并不是构成一个从句，并且后面跟同位语短语，所以选B。
upto意为“达……之多”，符合题意。“as many as”用于可数名词前，如果选项中有“as mucn as”，则也是正确的，因为钱是不可数名词。
has已经提示了此处应当用动词的过去分词形式表达现在完成时语态。
根据上下文，此处是指自从建立了保险制度以来，银行破产的个案是减少了，而不是增加或者消失。
根据上下文，此处表达否定意思“不再”，所以选C。
be/become concerned about意为“担心；担忧；挂念”，例如：We're rather concerned a- bout father's health．我们相当担心父亲的健康。be/become concerned in sth．意为“和某 事有牵连”。be/become concerned with意为“牵涉，与……有关，参与”。
根据上下文，此处表达“可能性”之意，所以选择possibility。 -
第22题：
A reimbursing bank has received a valid claim under its reimbursement undertaking and is instructed by the issuing bank not to honour the claim. In accordance with the URR725, the reimbursing bank should: （）
- A、Reques tthe claiming bank to cancel the claim
- B、Instruct the claiming bank to contac tthe beneficiary
- C、Honour the claim and debit the issuing bank’s account
- D、Dishonour the claim as per the issuing bank’s instruction
正确答案:C -
第23题：
单选题From the passage, we learn that _____.AWorld Bank has done nothing to help the poor in the world
BIMF only helps the rich in the world
CWorld Bank controls all the banks in the world
DThere are some demonstrations against World Bank in recent years
正确答案： D解析：