听力原文：M: What margins will the lending bank charge?W: Margins mainly depend on these factors: evaluation of credit risk, maturity of credit, and the starting point from which onwards the rate of interest shall be firm.Q: How many factors do margins charged
题目
听力原文：M: What margins will the lending bank charge?
W: Margins mainly depend on these factors: evaluation of credit risk, maturity of credit, and the starting point from which onwards the rate of interest shall be firm.
Q: How many factors do margins charged by the lending bank mainly depend on?
(12)
A．Four.
B．Two.
C．Three.
D．Five.
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更多“听力原文：M: What margins will the lending bank charge?W: Margins mainly depend on these factors: evaluation of credit risk, maturity of credit, and the starting point from which onwards the rate of interest shall be firm.Q: How many factors do margins charged”相关问题
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第1题：
听力原文：M: Do you know some forms of bank advances?
W: There are three forms: overdrafts, personal loans and mortgages.
Q: Which of the following is not a form. of bank advances?
(13)
A．Overdrafts.
B．Mortgages.
C．Personal loans.
D．Letter of credit.
正确答案：D
解析：对话中明确指出银行预付款有三种形式：透支，抵押和个人贷款，D项“信用证”没有提及。 -
第2题：
听力原文：M: We haven't set up correspondent relations with Standard Chartered Bank, London.
W: Then we shall try to find another bank to have our letter or credit advised.
Q: What do we learn from the conversation?
(18)
A．Standard Chartered Bank, London is one of our correspondent banks.
B．We can advise this L/C through Standard Chartered Bank, London.
C．We will send the advice of the L/C directly to the beneficiary.
D．Ａnother bank will be chosen as the advising bank of this L/Ｃ.
正确答案：D
解析：男士说到他们和伦敦的渣打银行没有建立业务关系，女士则说到"we shall try to find another bank to have our letter or credit advised",故选项D正确。 -
第3题：
听力原文：M: I've lost my credit card issued by your bank. What should I do, please?
W: I am sorry for that. But you have to go to that counter over there for the card business.
Q: Why does the customer come to the bank?
(15)
A．He got a credit card of his friend and come to ask how to use it.
B．He got a card and did not know whose card it is.
C．He has lost his credit card and come to ask what to do.
D．He has found a credit card and come to ask what to do.
正确答案：C
解析：录音原文中男士说：I've lost my credit card issued by your bank，即他丢失了信用卡，来银行想知道该怎么办。 -
第4题：
Banks in international lending face the risks common to all banks: liquidity risk, interest rate risk, credit (asset) risk, and contingent liabilities risk.
A．Right
B．Wrong
C．Doesn't say
正确答案：C
解析：文章通篇提及银行面临的三类风险，并加以举例，并没有提及Banks in international lending。 -
第5题：
听力原文：Although it is a normal part of banking, excessive interest rate risk can pose a significant threat to a bank's earnings and capital base.
(4)
A．Interest rate risk is a normal part of banking operations.
B．Interest rate risk is a terrible threat to banking operations.
C．A bank's earnings and capital base is a normal part of banking.
D．A bank's earnings and capital base can pose a significant threat to banking.
正确答案：A
解析：单句意思为“尽管利率风险是银行业常见的风险，但它可以对银行收入和资本基础造成严重威胁”。只有A项意思正确。 -
第6题：
听力原文：M: Most banks tend to decline loan proposals which are highly speculative.
W: I think because the banks expect the loan to generate sufficient profit and positive cash-flow for themselves and for the clients.
Q: What will the banks usually do to the highly speculative loan proposals?
(15)
A．The banks will disapprove them.
B．The banks will approve them.
C．The Bank will benefit from the loans.
D．The bank will make profit from lending.
正确答案：A
解析：根据男士的话可知银行对投机性高的贷款申请的态度是“decline”，即“拒绝”，A项正确。 -
第7题：
听力原文：W: How do you pay for your purchases with a credit card?
M: Usually I sign a sales slip in the presence of the seller, and the signature is then compared to the signature on the card.
Q: Where should the man sign when he pays for his goods with a credit card?
(20)
A．On his card.
B．On the goods.
C．On a sales slip.
D．On the invoice.
正确答案：C
解析：对话中男士说道“usually I sign a sales slip”，即他通常在购物单上签字。 -
第8题：
单句理解
听力原文：Interest rate risk refers to the exposure of a bank's financial condition to adverse movements in interest rates.
(1)
A．Bank's financial condition is the cause of interest rate risk.
B．Bank's financial condition has impact on interest rate risk.
C．Interest rate risk occurs when interest rate moves against the bank's financial condition.
D．Interest rate risk occurs when interest rate favours the bank's financial condition.
正确答案：C
解析：单句意思为“利率风险是指银行在不利的利率变动中暴露出的财务风险”。A项因果关 系颠倒，B项没有提及，D项“favour”一词与原句“adverse”相矛盾。 -
第9题：
对话理解
听力原文：W: What kind of monetary policy instruments may your bank use?
M: They include adjusting the base interest rate, regulating rediscounting and open market operations.
Q: Which of the following wasn't mentioned by the man as a monetary policy?
(11)
A．The minimum deposit reserve.
B．Adjusting the base interest rate.
C．Regulating rediscounting.
D．Open market operations.
正确答案：A
解析：对话谈论的是货币政策工具种类的问题，男士提到了调整基准利率、规定再贴现政策和公开市场操作，他没有提及最低存款准备金。 -
第10题：
What are two benefits for the Cisco partner, derived from the Cisco SBR methodology? （）
- A、There is faster implementation of new business applications.
- B、Solution differentiation from the competition allows for premium margins.
- C、There is less risk through the implementation of proven solutions.
- D、Proactive planning enhances customer satisfaction.
正确答案:B,D -
第11题：
问答题Credit cards enable their holders to obtain goods and services on credit. They are issued by retail stores, banks, credit card companies to approved clients. The bank or credit card company settles the client’s bills, invoicing him monthly and charging interest on any outstanding debts. Their profit comes from the high rate of interest charged, the card holder’s subscriptions, and the fees paid by some organizations that accept cards.正确答案：
信用卡能使持卡人通过赊账的方式购买商品、得到服务。信用卡由零售商店、银行和信用卡公司发放给经过批准的客户。银行或信用卡公司结清客户的账单,按月给客户开列其消费清单,收取欠款的利息。这些金融机构的利润来自所收取的高额利息、持卡人支付的认购费以及接受信用卡消费的单位所交纳的代理费。解析： 暂无解析 -
第12题：
多选题What are two benefits for the Cisco partner, derived from the Cisco SBR methodology? （）AThere is faster implementation of new business applications.
BSolution differentiation from the competition allows for premium margins.
CThere is less risk through the implementation of proven solutions.
DProactive planning enhances customer satisfaction.
正确答案： A,B解析： 暂无解析 -
第13题：
听力原文：M: What about the interest rate?
W: Well, the discount rate is given in accordance with the terms of the bill, time of discount, the amount, the reputation of the drawee and the drawer.
Q: What are they talking about?
(14)
A．The interest rate of savings account.
B．The discounting rate for drafts.
C．The rediscounting rate.
D．The interest rate for loans.
正确答案：B
解析：根据女士的回答，贴现率是根据单据的款项、贴现的时间和数额及出票人和收票人的信誉来定的，由此可知他们谈论的是汇票的贴现率。 -
第14题：
听力原文：M: Can you give an example of types of risks Banks face?
W: Yes. The major type of risks is called credit risk. It means a counterpart fails to perform. according to a contractual arrangement.
Q: What are they talking about?
(13)
A．A contractual arrangement.
B．A counterpart.
C．Many types of risks.
D．Credit risk.
正确答案：D
解析：他们在谈论银行所面临的风险，女士说“The major type of risks is called credit risk.”，所以D选项符合题意。 -
第15题：
听力原文：M: Some credit cards are called gold cards because they offer higher credit limits and lower interest rates.
W: But the card holders should pay a significant annual fee, perhaps as high as ￡ 50.
Q: What is the disadvantage for gold cards holders?
(16)
A．High credit limits
B．High annual fee.
C．Low interest rates.
D．Monthly statements.
正确答案：B
解析：男士提到金卡的优点后，女士接着指出其缺点，即pay a significant annual fee，perhaps as high as ￡50，也就是年费高，B项正确。 -
第16题：
单句理解
听力原文：Credit card holders can charge purchases to their credit card accounts, and they receive monthly statements.
(1)
A．Credit card holders will state if they don't buy anything.
B．Credit card holders will receive their statements from the bank every month.
C．Credit card holders can charge purchases to their bank accounts.
D．Credit card holders have to make purchases every month.
正确答案：B
解析：单句意思为“信用卡持有者可以把消费额累加到信用卡账户上，银行每月会提供财务报告”。 -
第17题：
对话理解
听力原文：W: When I want to borrow money from a hank, what should I do?
M: You should create a contract with the bank, stipulating the rate of interest, the repayment date, the amount and timing of any periodic cash interest payments, and other terms of the agreement.
Q: Which is not mentioned when creating a contract with the bank?
(11)
A．Stipulating the rate of interest.
B．Stipulating the repayment date.
C．Stipulating the amount and timing of any periodic cash interest payments.
D．Stipulating the financial sponsor.
正确答案：D
解析：当向银行借款签订合同时，应该规定利率、还款日期、定期付款的数额及利息等等，对话中没有提及D项“规定经济担保人”。 -
第18题：
听力原文：M: I want to apply for a credit card. What are the common credit cards?
W: Master Card, Visa, Discover, and American Express. Apply for the ones without annual fees. Some credit cards even pay you back about 1% - 2% of what you spend.
Q: Which type of credit card is not mentioned in the conversation?
(19)
A．Smart Card.
B．Master Card.
C．Visa Card.
D．American Express.
正确答案：A
解析：男士问的是普通信用卡有哪些，女士的回答是“Master Card”，“Visa”，“Discover”，and “American Express”．只有A不属于这一类。 -
第19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20题：
听力原文：Credit card customers are given a credit limit on the credit card account.
(8)
A．Credit card customers are given a right to buy goods and services.
B．The cardholder can buy goods and services within the credit limit.
C．Normally, banks will set different credit lines to different groups of cardholders.
D．Each month the cardholder receives a statement from the bank.
正确答案：B
解析：单句意思为“信用卡用户在信用卡账户上有特定的信贷限额”。A项缺少前提，C、D项表述正确，但与录音句子内容无关。 -
第21题：
听力原文：M: Well, what other documents shall I hand in to your bank besides bills of lading?
W: A sight draft, an insurance policy, and a collection order which contains instructions on collection operation to our bank.
Q: What are they talking about???
(18)
A．Presentation of bill of exchange for payment.
B．Documents required for a collection operation.
C．Application for a letter of credit.
D．What are contained in a collection order.
正确答案：B
解析：男士问对方，除了递交提单外还得递交哪些单据。女士的回答是"a sight draft", "an insurance policy", and "a collection order", 即即期汇票、保险单及托收委托书，由此可推知答案为B。 -
第22题：
What are two benefits for the Cisco Partner, derived from the Cisco SBR Methodology?（）
- A、There is less risk through the implementation of proven solutions
- B、Proactive planning enhances customer satisfaction
- C、Thereare faster implementation of new business applications
- D、Solution differentiation from the competition allows for premium margins
正确答案:B,D -
第23题：
多选题What are two benefits for the Cisco Partner, derived from the Cisco SBR Methodology?（）AThere is less risk through the implementation of proven solutions
BProactive planning enhances customer satisfaction
CThereare faster implementation of new business applications
DSolution differentiation from the competition allows for premium margins
正确答案： A,D解析： 暂无解析