CDs may be exchanged for money before its maturity date either in money markets or at commercial banks.A．RightB．WrongC．Doesn't say

题目

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

相似考题

1.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 Time deposits may not be withdrawn on demand like a check account.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.

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

3.The recovery of funds of a commercial bank is ideally managed on a parallel with its expenditure.A．RightB．WrongC．Doesn't say

4.You should deposit a certain amount of money with a bank before you buy a house.A．RightB．WrongC．Doesn't say

更多“CDs may be exchanged for money before its maturity date either in money markets or at commercial banks.A．RightB．WrongC．Doesn't say”相关问题

  • 第1题：

    A commercial bank should try its best to increase the profits of its creditor and ownership sources.

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：A
    解析：从文中第三句As in non-financial business a band management's basic objective should be to maximize the value of the owners investment in the bank. 可看出。the value of the owners investment所有者价值。

  • 第2题：

    A commercial bank shall establish and improve its system of internal control according to law.

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：A
    解析：整个第一段和第二段第一句A commercial bank shah...its systems of examining and checking deposits, loans settlements and bad and doubtful accounts.这些都是内部控制的具体内容。

  • 第3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.


    正确答案：A
    解析：文章第二段提到If there is one commercial bank...deposit their funds in the local bank.在一些偏远地区的小镇，如果只有一家商业银行而没有其他银行的时候，居民会把钱存入当地的银行。

  • 第4题：

    If a consumer wants to sell his CDs before the maturity date, he would do it in the primary markets.

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：B
    解析：最后一段第二句明确指出Financial assets that are resold are waded in secondary markets，题中的购买定期存单者想在未到期前转卖(resold)，就必须在二级市场(secondary market)进行。

  • 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：

    共用题干
    第二篇

    Sometimes love really can be measured in pounds and pence.
    It's an annual argument.Do we or do we not go on holiday?My partner says no because the boiler could go bad,or the roof fall off,and we have no savings to save us.I say that you only live once and we work hard and what's the point if you can't go on holiday.The joy of a recession means no argument next year一we just won't go.
    Since money is reputed to be one of the things most likely to bring a relationship to its knees, we should be grateful.For many families the recession means more than not booking a holiday. A YouGov poll of 2,000 people in May this year found 22%said they were arguing more with their partners because of concerns about money.What's less clear is whether divorce and separation rates rise in a recession一financial pressures mean couples argue more but make splitting up less affordable.A recent report from ICOR(the online Information Centre on Relationships)cited research showing arguments about money were especially damaging to couple一even more so to their children.Disputes were characterised by intense verbal aggression,tended to be repeated and not re-solved,and made men,more than women,extremely angry.
    So why are arguments about money so emotive?Since they seem to be so even without a recession,they have to be about more than literally pounds and pence.
    Kim Stephenson,an occupational psychologist,believes money is such a big deal because of what it symbolises,which may be different things to men and women."People can say the same things about money but have different conceptions of what it is for,"he explains."They will say it's to save,to spend,for security,for freedom,to show someone you love them,to keep score."
    He says men are more likely to see money as a way of buying status,of trying to best the man down the road who's just bought a flash car,and of showing their parents that they've achieved something. He warns that,while couples need enough money not to struggle and be unhappy,an extra ￡5,000 above that amount won't make them any happier.
    "The biggest problem is that couples assume each other knows what is going on with their finances,but they don't. There seems to be more of a taboo about talking about money than talking about death.But you both need to know what you are doing,who is paying what into the joint account and how much you keep separately.In a healthy relationship,you don't have to agree about money, but you have to talk about it."
    Research from a wholesome organization in the U.S. called the National Healthy Marriage Resource Center says that establishing a"fair and equitable pattern of handling money early in marriage appears to be important for the quality and stability of the marriage".Admitting your incomes to each other and making budgets for your household expenses may not seem romantic but it is,in fact, the real language of love.

    What does the author mean by saying "money is known···to bring a relationship to its knees"?
    A:Money is considered to be the root of all evils.
    B:Some people sacrifice their dignity for money.
    C:Few people can resist the temptation of money.
    D:Disputes over money may ruin a relationship.

    答案：D
    解析：
    答案相关句是文章第二段中作者的评论句："I say that you only live once and we woEk hard and whats1he point if you can't go on holiday.”我会说人只能活一次，我们工作这么辛苦，不去度假生活又有什么意义。
    作考折说的这句话的意思为“金钱是最有可能让一段关系跌入谷底的东西之一了”。全段又在说关于金钱的讨论片两人间关系的影响，可见应该选择D项。
    本题对应文章第三段中的实验结果："...found 22% said they were arguing more with their partners because of concerns about money."22％的人表示，会因为对金钱的担忧跟伴侣吵架。
    答案相关句在第五段的首句："Kim..., believes money is such a big deal because of'what it symboises,which may be different things to men and women."
    答案相关句在第七段最后一句："In a healthy relationship,' you don't have to agree about money, but you have to talk about it.”

  • 第7题：

    资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
    High Interest: Higher on Large amount
    Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.
    Maturity Period: Flexible to your needs
    You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.
    Minimum Amount: Easy to Start
    The minimum amount accepted is USD 2000
    Other Features:
    1.FDIC Insurance Up to $100,000
    2.Facility to Open Joint & Corporate Accounts
    Additional Deposits:
    Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.
    Early Withdrawal:
    Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.

    The CD’s annual percentage yield is （ ） annual interest rate.

    A.more than
    B.less than
    C.the same as
    D.not comparable with

    答案：C
    解析：
    本题考查细节理解。
    【关键词】The CD’s annual percentage yield; annual interest rate
    【主题句】
    第三段For CD’s of above $250,000.00, the interest is simple i.e not compounded; therefore, annual percentage yield is same as annual interest rate. 对于250,000美金以上的大额存单，利息是单利的，不是复利的；因此，其年收益与年利率相同。
    【解析】题目意为“大额存单年收益率与年利率______。” 选项A意为“多于”；选项B意为“少于”；选项C意为“一样”；选项D意为“不可比拟”。根据主题句，年收益与年利率相同，因此选项C正确。

  • 第8题：

    资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
    High Interest: Higher on Large amount
    Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.
    Maturity Period: Flexible to your needs
    You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.
    Minimum Amount: Easy to Start
    The minimum amount accepted is USD 2000
    Other Features:
    1.FDIC Insurance Up to $100,000
    2.Facility to Open Joint & Corporate Accounts
    Additional Deposits:
    Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.
    Early Withdrawal:
    Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.

    Which of the following statements is true? （ ）

    A.CD is automatically renewed for the same period unless having other instruction.
    B.CD isn’t automatically renewed for the same period at the ruling rate of interest on the date of renewal.
    C.CD is automatically renewed for the same period without any other instruction.
    D.CD is automatically renewed for the same period with permission of the bank manager.

    答案：C
    解析：
    本题考查细节理解。
    【关键词】the following statements; true
    【主题句】
    第五段You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. 您可以选择任何到期日，最短期限为7天，最长期限为1年，以满足您的需求。在没有任何其他说明的情况下，您的大额存单按照续约日期的利率自动再续期同期。
    【解析】题目意为“以下哪个选项是正确的？” 选项A意为“除非有其他说明，大额存单才能自动续期同期”；选项B意为“大额存单不会按照续约日期的利率自动再续期同期”；选项C意为“大额存单会自动续期同等时间，无需任何其他说明”；选项D意为“只有经银行经理许可，大额存单方可自动续期同期”。根据主题句，选项C与题意相符，因此正确。

  • 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 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10题：

    In Money Everything
    I don’t think money is everything,but we can’t do without it.Fox example,money can’t buy us happiness and a good education.And for another example,money can’t buy us good health and a long life.But we can not live without money.We need it for our daily necessities such as food,clothes and transportation.What’s more,we need it to live a better life.In short,we should learn the value of money and make the most of its advantages.


    答案：
    解析：
    For this part,you are allowed 20 minutes to write a composition of about 80 words according to the following topic.金钱是一切吗 (Is Money Everything )

  • 第11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12题：

    单选题
    Income Income may be national income and personal income. Whereas national income is defined as the total earned income of all the factors of production-namely, profits, interest, rent, wages, and other compensation for labor, personal income may be defined as total money income received by individuals before personal taxes are paid. National income does not equal GNP (Gross National Product) because the factors of production do not receive payment for either capital consumption allowances or indirect business taxes, both of which are included in GNP. The money put aside for capital consumption is for replacement and thus is not counted as income. Indirect taxes include sales taxes, property taxes , and excise taxes that are paid by businesses directly to the government and so reduce the income left to pay for the factors of production. Three-fourths of national income goes for wages, salaries, and other forms of compensation to employees. Whereas national income shows the income that the factors of production earn, personal income measures the income that individuals or households receive. Corporation profits are included in national income because they are earned. Out of these profits, however, corporation profit taxes must be paid to the government, and some money must be put into the business for expansion. Only that part of profits distributed as dividends goes to the individual; therefore, out of corporation profits only dividends count as personal income. The factors of production earn money for social security and unemployment insurance contributions, but this money goes to government (which is not a factor of production), not to individuals. It is therefore part of national income but not part of personal income. On the other hand, money received by individuals when they collect social security or unemployment compensation is not money earned but money received. Interest received on government bonds is also in this category, because much of the money received from the sale of bonds went to pay for war production and that production no longer furnishes a service to the economy. The money people receive as personal income may be either spent or saved. However, not all spending is completely voluntary. A significant portion of our income goes to pay personal taxes. Most workers never receive the money they pay in personal taxes, because it is withheld from their paychecks. The money that individuals are left with after they have met their tax obligations is disposable personal income. Disposable income can be divided between personal consumption expenditures and personal savings. It is important to remember that personal saving is what is left after spending. According to this passage, the money you get as interest from government bonds is（）
    A

    the money earned

    B

    the money not earned but received

    C

    the money received for the contribution you have made to the economy

    D

    the money earned for the service you have furnished to the economy


    正确答案： D
    解析： 根据第三段第一句：money received by individuals when they collect social security or unemployment compensation is not money earned but money received… 以及下句Interest received on government bonds is also in this category…，可知B是答案。C项中的原因状语从句是不对的，所以C不能作为答案。答案为B。

  • 第13题：

    A sound bank will not suffer from the bankruptcy of other unrelated banks.

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：C
    解析：段落最后指出problems in one institution may have wider，systemic repercussions on others，or on the integrity of the payments system，并没有明确指出运营良好的银行不受其他无关银行破产的影响。

  • 第14题：

    A credit card is a plastic card and the like to be used to obtain money, goods, or services and an overdraft is not allowed.

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：C
    解析：第一段开始A credit card is…possibly under a line of credit established by the card issuer．但并没有说an overdraft is not allowed。

  • 第15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


    正确答案：A
    解析：根据上下文，填空处的意思应为“证据”，proof更加倾向于某种现象证明(英文意思：A sign that something is certainly true)。而evidence则偏向于由某一事物为证明的(英文意思：Words or objects make something more clearly true)。本句意思在于强调CDs的证明作用，所以A项更符合题意。

  • 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：

    Which of the following statements is NOT true about the CCRIF?（ ）

    [A] The sources of its fund are private donations and financing of member countries.

    [B] Its supplemental payouts are attainable from international reinsurance markets.

    [C] The amount of the insurance payout is decided by the seriousness of the natural disaster.

    [D] The government can resume its overall operation with the insurance money after the strike.


    正确答案：D

  • 第18题：

    资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
    High Interest: Higher on Large amount
    Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.
    Maturity Period: Flexible to your needs
    You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.
    Minimum Amount: Easy to Start
    The minimum amount accepted is USD 2000
    Other Features:
    1.FDIC Insurance Up to $100,000
    2.Facility to Open Joint & Corporate Accounts
    Additional Deposits:
    Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.
    Early Withdrawal:
    Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.

    According to the passage, which of the following is NOT true about Star CD? （ ）

    A.The minimum amount to invest is USD 2000.
    B.You may choose any maturity date as you wish.
    C.The rates on certificate of deposits may vary day to day.
    D.Separate certificates of deposits will be issued for additional deposits.

    答案：B
    解析：
    本题考查细节理解。
    【关键词】not true; about Star CD
    【主题句】
    第七段The minimum amount accepted is USD 2000. 最低投资金额为2000美元。
    第五段You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. 您可以选择任何到期日，最短期限为7天，最长期限为1年，以满足您的需求。
    第三段The rate may vary on day-to day basis. 利率可能每天都有所不同。
    倒数第三段Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits. 存入账户的额外金额将被视为新鲜存款，并将为此类存款发放单独的存款凭证。
    【解析】题目意为“关于‘星光’大额存款计划，以下哪个选项不正确？”。选项A意为“最低投资金额为2000美元”；选项B意为“您可以根据您的意愿选择任何到期日”；选项C意为“利率可能每天都有所不同”；选项D意为“将为额外存款发放单独的存款证明书”。根据主题句，到期日必须在7天到1年之间，因此不能随意选择到期日，故选项B错误。

  • 第19题：

    资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
    High Interest: Higher on Large amount
    Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.
    Maturity Period: Flexible to your needs
    You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.
    Minimum Amount: Easy to Start
    The minimum amount accepted is USD 2000
    Other Features:
    1.FDIC Insurance Up to $100,000
    2.Facility to Open Joint & Corporate Accounts
    Additional Deposits:
    Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.
    Early Withdrawal:
    Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.

    For deposit running for more than 30 days, early withdrawal may be （ ）, （ ） penalty or charge.

    A.allowed, without
    B.banned, with
    C.allowed, with
    D.banned, without

    答案：A
    解析：
    本题考查细节理解。
    【关键词】deposit running for more than 30 days; early withdrawal; penalty or charge.
    【主题句】
    最后一段Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. There is no other penalty or charge on early withdrawal. However, no interest shall be paid on the deposit which runs for less than 30 days. 在其到期日之前撤回存款可由银行酌情决定。提前退出时没有其他处罚或收费。但是，对于运行时间少于30天不应支付利息。
    【解析】题目意为“对于存款时间少于30天的情况，提出退出___，_____处罚或罚款”。根据主题句，提前退出可由银行酌情决定，但无需受到处罚或收费，只是运行时间少于30天不应支付利息。选项A与题意相符，因此正确。

  • 第20题：

    资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
    High Interest: Higher on Large amount
    Our rates on certificate of deposits are among the best in the industry. The rate may vary on day-to day basis. For CD’s of above $250,000.00, the interest is simple i.e not compounded; therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.
    Maturity Period: Flexible to your needs
    You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.
    Minimum Amount: Easy to Start
    The minimum amount accepted is USD 2000
    Other Features:
    1.FDIC Insurance Up to $100,000
    2.Facility to Open Joint & Corporate Accounts
    Additional Deposits:
    Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.
    Early Withdrawal:
    Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.

    Bank of India CDs are safe because （ ）

    A.CD is a safe instrument.
    B.Bank of India is safe.
    C.CD is insured
    D.All of the above

    答案：D
    解析：
    本题考查细节理解。
    【关键词】Bank of India CDs; safe; because
    【主题句】
    第一段Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. 银行大额存单（CD）是大多数投资者普遍选择投资的工具。印度银行的大额存单是安全的，联邦存款保险公司（FDIC）投保，并提供体面的回报。没有经纪人，没有收费或隐藏费用。
    【解析】题目意为“印度银行大额存单是安全的，因为______。” 选项A意为“大额存单是一个安全的工具”；选项B意为“印度银行是安全的”；选项C意为“大额存单被投保”；选项D意为“以上皆是”。根据主题句，选项A、B、C均提到，因此选项D正确。

  • 第21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22题：

    单选题
    Haburi’s business model __________.
    A

    is famous for its own Internet webpage

    B

    could reach $10 billion in sales annually

    C

    wants to borrow the concept of out-of-town shopping malls

    D

    tends to make money by selling cheaper commercial goods.


    正确答案： C
    解析：
    细节题。从题干中提到的Haburi定位到文章第三段，该段第一句指出Haburi的独特商业模式就是工厂直购售物中心的网上翻版，与此同时提到“brand manufacturers sell directly to consumers at lower prices from huge out-of-town shopping malls.”（品牌制造商将产品从巨大的城外购物中心直接以较低的价格卖给消费者），对应选项C。

  • 第23题：

    单选题
    Haburi’s business model.
    A

    is famous for its own Internet webpage

    B

    could reach $10 billion in sales annually

    C

    wants to borrow the concept of out-of-town shopping malls

    D

    tends to make money by selling cheaper commercial goods.


    正确答案： B
    解析：
    细节题。从题干中提到的Haburi定位到文章第三段，该段第一句指出Haburi的独特商业模式就是工厂直购售物中心的网上翻版，与此同时提到“brand manufacturers sell directly to consumers at lower prices from huge out-of-town shopping malls.”（品牌制造商将产品从巨大的城外购物中心直接以较低的价格卖给消费者），对应选项C。

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