______ is a large loan, generally more than USD10 million, negotiated between a borrower and a single bank, but actually funded by a number of banks.A．A project loanB．A syndicated loanC．An export creditD．Consumer credit
题目
______ is a large loan, generally more than USD10 million, negotiated between a borrower and a single bank, but actually funded by a number of banks.
A．A project loan
B．A syndicated loan
C．An export credit
D．Consumer credit
相似考题
参考答案和解析
解析：project loan项目贷款。export credit出口信贷。consumer credit消费信贷。
更多“______ is a large loan, generally more than USD10 million, negotiated between a borrower and a single bank, but actually funded by a number of banks.A．A project loanB．A syndicated loanC．An export creditD．Consumer credit”相关问题
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第1题：
Under her leadership, the group’s ______ grew from less than one million dollars to more than ten million.
A data
Bbudget
Citem
Dpiece
参考答案：B
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第2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3题：
听力原文： Some banks offer other types of loans repayable by monthly installments, such as business development loans, house improvement loans, and farm development loans. These may be either secured or unsecured. Secured loans attract a slightly lower rate of interest than unsecured loans. Some banks offer revolving credit schemes. These normally involve loans repayable by regular monthly installments, but they differ from other loans repayable by installments in two respects. First, the borrower need not take up the full amount of the loan at the outset. Secondly, as his repayments reduce his indebtedness, he can "top up" his loan by borrowing more, provided that the total debt outstanding does not exceed his agreed credit limit. In 1967 some banks introduced a new form. of account called a "budget account". The object is to allow personal customers to spread the incidence of normal personal and household expenditure.
24. Which of the following loans is not repaid by installments?
25.Which of the following loans would attract a lower rate of interest?
26.How does a borrower "top up" his loan?
27.What is the objective of introduction of the budget account?
(24)
A．Business development loans.
B．House improvement loans.
C．Farm development loans.
D．Overdrafts.
正确答案：D
解析：录音原文一开始提到Some banks offer...and farm development loans. 一些银行推出其他种类按月分期还款的贷款，例如商业发展贷款、住房改善贷款和农业发展贷款。 -
第4题：
A credit may be advised to a beneficiary through another bank (the advising bank) without engagement on the part of the advising bank, but that bank, if it elects to advise the credit, shall ______.
A．inform. the issuing bank of the credit which it advises without delay
B．endorse the amount negotiated on the reverse of the credit which it advises
C．add his confirmation to the credit which it advises
D．take reasonable care to check the apparent authenticity of the credit which it advises
正确答案：D
解析：通知行(advising bank)有对其通知的信用证辨别真实性的责任。beneficiary受益人，endorse在(票据)背面签名。on the reverse of the credit信用证背面。authenticity真实性。 -
第5题：
The bank's request for loan security is ______.
A．to make the loan more profitable
B．to make the loan more diversified
C．to reduce the loss in case of default
D．to guard against deterioration of loan collateral
正确答案：C
解析：文章第一段提到The main reason for requesting that…to repay the loan at maturity．银行在发放贷款时向借款人要求一定的抵押品，主要是为了降低风险，在借款人不能按时还款时，可以处置抵押品来降低贷款损失。 -
第6题：
听力原文：M: The rate on a personal loan is fixed according to the base rate at the time when the loan is made.
W: But it is always higher than the base rate, isn't it?
Q: What is determined when a personal loan is made?
(14)
A．Rate on the personal loan.
B．Base rate of the bank.
C．The amount of payment.
D．Personal loan's time period.
正确答案：A
解析：根据对话中"The rate on a personal loan is fixed"可知A项正确。 -
第7题：
As recently as three decades ago,many Americans believed that using credit was an unwise and?dangerous way to pay for what they bought．Some even thought that owing money to a store or a?credit company was something to be ashamed of．Good citizens,they believed,always bought what?they wanted with real money and they paid the full price immediately．
Today,however,all that has changed．Credit,as some observers have noted,has become a?way of life in the United States．More and more Americans now are depending on those small pieces?of plastic,credit cards,to pay for large purchases such as televisions,record players or furniture．Many people today would consider it unusual not to use a credit card to pay for a costly restaurant?dinner,a hotel room or an airline trip．And there are some situations in which Americans must have?credit cards．If they want the temporary use of a car,for example,they first must give the car rental?company the number of their credit card．That number is considered a guarantee that they will return?the car and pay for using it．
Credit cards offer two major services to Americans．First of all,they are easier and safer to?carry than large amounts of money．Second,they permit people to borrow,to have the immediate?pleasure of owning something,even if they do not have enough money to pay for it at the time．With?credit cards people pay for goods or services at the end of each month instead of when they buy them．And when the time does come to pay,most credit cards offer people a choice．They can pay all of?what they owe for the month or they can just pay usually between 5 and 10 percent of what they owe．
What advantage can credit card holders have?A.They can choose not to pay for their purchases．
B.They can easily borrow money at a lower interest．
C.They can own something before they actually pay for it．
D.They can pay only a small amount of what they owe．答案：C解析：【考情点拨】事实细节题。
【应试指导】由文章第三段第三句“they permit people to borrow…for it at the time”可知，即使目前不能支付得起，人们仍然可以提前拥有某样东西，故选C。 -
第8题：
As recently as three decades ago,many Americans believed that using credit was an unwise and?dangerous way to pay for what they bought．Some even thought that owing money to a store or a?credit company was something to be ashamed of．Good citizens,they believed,always bought what?they wanted with real money and they paid the full price immediately．
Today,however,all that has changed．Credit,as some observers have noted,has become a?way of life in the United States．More and more Americans now are depending on those small pieces?of plastic,credit cards,to pay for large purchases such as televisions,record players or furniture．Many people today would consider it unusual not to use a credit card to pay for a costly restaurant?dinner,a hotel room or an airline trip．And there are some situations in which Americans must have?credit cards．If they want the temporary use of a car,for example,they first must give the car rental?company the number of their credit card．That number is considered a guarantee that they will return?the car and pay for using it．
Credit cards offer two major services to Americans．First of all,they are easier and safer to?carry than large amounts of money．Second,they permit people to borrow,to have the immediate?pleasure of owning something,even if they do not have enough money to pay for it at the time．With?credit cards people pay for goods or services at the end of each month instead of when they buy them．And when the time does come to pay,most credit cards offer people a choice．They can pay all of?what they owe for the month or they can just pay usually between 5 and 10 percent of what they owe．
What is the best title for the passage?A.Credit—a Way of Life in America
B.Credit Services in America
C.Convenience of Living in America
D.History of Credit Cards in America答案：A解析：【考情点拨】主旨大意题。
【应试指导】整篇文章讲的是美国人对使用信用卡的态度和信用卡的使用对美国人生活的影响，所以“信用消费——美国的一种生活方式”最能概括全文，故选A。 -
第9题：
A project life cycle is a collection of generally sequential project （）whose name and number are determined by the control needs of the organization or organizations involved in the project.A.phases
B.processes
C.segments
D.pieces答案：A解析：一个项目的生命周期由若干个顺序相连的 （） 组成，阶段的名字和个数由组织的控制需要决定。项目涉及到的其他组织，其控制需要也可决定项目阶段的名字和个数。
A．阶段B．过程C．片段D．碎片参考答案：A -
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：
单选题Which of the following statements is true concerning the overall efficiency of air compressors?（）AHigh pressure compressors are more efficient than low pressure compressors
BMechanical efficiency divided by compressor efficiency will equal the overall efficiency of the compressor unit
CTwo stage compressors are generally more efficient than single stage compressors
DThe volumetric efficiency is decreased in multistage compressors
正确答案： B解析： 暂无解析 -
第13题：
听力原文： Banker's acceptances are a very old form. of commercial credit. They provide, in essence, a method whereby a bank may add its good name and reputation to bills of a borrower, thereby making the bills much more marketable than it would otherwise be. Specifically, the mechanics of the operation typically, work like the following. Suppose that an American exporter sells wheat to a German importer. The terms of the sale are that the German importer will pay for the wheat ninety days after it is shipped. For a variety of reasons, however, the American firm may want its money now, and not want to wait the ninety days. If so, it may issue a draft on its bank ordering the bank to pay a stipulated sum of money to the holder of the draft ninety days from now. Along with the draft, the American exporter will send the appropriate documents showing that the wheat has actually been shipped. When the bank receives the draft, together, with the documentation, it stamps "accepted" across the face of it.
27. What are banker's acceptances?
28.Who is the drawee of the draft mentioned in the passage?
29.What should be attached to the draft when it is presented for acceptance?
30.How does the bank accept the draft?
(27)
A．They are drafts issued by a bank on another bank.
B．They are a very old form. of commercial credit.
C．They are exchange bills discounted by customers.
D．They are checks cashed through the ATMs.
正确答案：B
解析：录音原文提到Banker's acceptances are a very old form. of commercial credit。 -
第14题：
The term-loan agreement specifies a draw-down period of, say, up to two years, during which the funds must be used by the borrower; otherwise the borrower is not allowed to draw down any unused credit.
A．Right
B．Wrong
C．Doesn't say
正确答案：C
解析：关于定期贷款协议文中第二段第一句Frequently, the borrower needs to draw down the funds over a period of many months...做了简短的说明，并没有提到题中所说的贷款额必须全部使用完，更没有说不允许使用没有使用的信用额度。 -
第15题：
Under the documentary credit, which of the following is false?
A．The buyer's bank will issue a documentary credit.
B．The seller has his bank's undertaking to pay.
C．If the seller presents the correct documents, he will be paid.
D．A bank acts as an intermediary between the buyer and seller and is willing to provide trade.
正确答案：B
解析：跟单信用证结算方式下，买方银行会以另一国的卖方为受益人开立信用证，承诺如果卖方能提供合格的单据就会得到该银行(非卖方银行保证)的付款，银行充当信用中介，并可以为买卖双方提供贸易服务。所以，B选项不正确。 -
第16题：
Usually, a loan to government is safer than a loan to a private-sector borrower.
A．Right
B．Wrong
C．Doesn't say
正确答案：A
解析：从文中第三句话In any case, a loan to the foreign nation's government or its agencies is generally safer than a loan to a private-sector borrower．可以看出。 -
第17题：
When the issue is syndicated among the original investment banker and other institutions, ______.
A．there is only one lead manager
B．there must be more than one lead manager
C．all the parties concerned are lead managers
D．there is one lead manager or more than one lead manager
正确答案：D
解析：文章提到The original investment banker…to as co-lead managers。在这样的交易中，原始银行被称作牵头银行，如果有一家以上的银行牵头，则它们被称作联合牵头银行。所以D选项符合题意。 -
第18题：
Which is not one of the things researched by a bank? __________A.How much money the borrower owns
B.What salary the borrower makes
C.What kind of job the borrower has
D.What kind of house the borrower lives in答案：D解析：题干询问的是银行查询的内容，集中在文章第二段，可以用对比排除的方法得出答案。A、B、C三项文章都有提及，剩下的D项即为正确答案。 -
第19题：
As recently as three decades ago,many Americans believed that using credit was an unwise and?dangerous way to pay for what they bought．Some even thought that owing money to a store or a?credit company was something to be ashamed of．Good citizens,they believed,always bought what?they wanted with real money and they paid the full price immediately．
Today,however,all that has changed．Credit,as some observers have noted,has become a?way of life in the United States．More and more Americans now are depending on those small pieces?of plastic,credit cards,to pay for large purchases such as televisions,record players or furniture．Many people today would consider it unusual not to use a credit card to pay for a costly restaurant?dinner,a hotel room or an airline trip．And there are some situations in which Americans must have?credit cards．If they want the temporary use of a car,for example,they first must give the car rental?company the number of their credit card．That number is considered a guarantee that they will return?the car and pay for using it．
Credit cards offer two major services to Americans．First of all,they are easier and safer to?carry than large amounts of money．Second,they permit people to borrow,to have the immediate?pleasure of owning something,even if they do not have enough money to pay for it at the time．With?credit cards people pay for goods or services at the end of each month instead of when they buy them．And when the time does come to pay,most credit cards offer people a choice．They can pay all of?what they owe for the month or they can just pay usually between 5 and 10 percent of what they owe．
Why does the car rental company ask for the credit card number?A.To prevent the overuse of the car．
B.To make sure that the car won't be damaged．
C.To make sure the user return the car and pay for using it．
D.To ensure that the car is safely and timely returned．答案：C解析：【考情点拨】事实细节题。
【应试指导】根据文章第二段最后两句可知，汽车出租商要信用卡卡号是为了确保租车人会归还汽车并付费，故选C。 -
第20题：
As recently as three decades ago,many Americans believed that using credit was an unwise and?dangerous way to pay for what they bought．Some even thought that owing money to a store or a?credit company was something to be ashamed of．Good citizens,they believed,always bought what?they wanted with real money and they paid the full price immediately．
Today,however,all that has changed．Credit,as some observers have noted,has become a?way of life in the United States．More and more Americans now are depending on those small pieces?of plastic,credit cards,to pay for large purchases such as televisions,record players or furniture．Many people today would consider it unusual not to use a credit card to pay for a costly restaurant?dinner,a hotel room or an airline trip．And there are some situations in which Americans must have?credit cards．If they want the temporary use of a car,for example,they first must give the car rental?company the number of their credit card．That number is considered a guarantee that they will return?the car and pay for using it．
Credit cards offer two major services to Americans．First of all,they are easier and safer to?carry than large amounts of money．Second,they permit people to borrow,to have the immediate?pleasure of owning something,even if they do not have enough money to pay for it at the time．With?credit cards people pay for goods or services at the end of each month instead of when they buy them．And when the time does come to pay,most credit cards offer people a choice．They can pay all of?what they owe for the month or they can just pay usually between 5 and 10 percent of what they owe．
What do Americans feel about using credit cards nowadays according to the?passage?A.They consider it valuable．
B.They regard it as a shame．
C.They think it dangerous．
D.They find it quite convenient．答案：D解析：【考情点拨】推理判断题。
【应试指导】文章第一段写以前美国人对信用卡的看法很不好，第二段写如今人们的态度发生了改变，越来越多的人使用信用卡，有了信用卡生活更方便，故选D。 -
第21题：
In many societies of the world， we find a large number of people who speak more than one language. As a characteristic of societies， b（） inevitably results from the coming into contact of people with different cultures and different languages.
bilingualism
略 -
第22题：
单选题Generally speaking, men play ball games much better than women because ______.Amen play ball games more often than women
Bmen love ball games more than women do
Cmen’s hand and eye movements are quicker in response
Dmen have a smaller number of nerves in their brains than women
正确答案： B解析：
录音中提到“Boys also are generally faster in response than girls of hand and eye movements in ball games”，意思是：通常情况下，男孩子在球类运动中手眼运动反应比女孩子快，所以选项C的表述符合原文意思。 -
第23题：
问答题More than one million young people in Britain are unemployed, the highest number since the mid-1980s.正确答案：解析：