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．T
题目
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.
相似考题
更多“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．T”相关问题
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第1题：
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 Time deposits may not be withdrawn on demand like a check account.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.
正确答案：B
解析：录音原文提到A certificate of deposit (CD) is a time deposit with a bank．CD存放在银行的定期存款。 -
第2题：
听力原文：M: All you need to open a savings account is $20. But in order to earn reasonable interest you should maintain a balance of at least $ 2,000.
W: I only have $ 200 but I'll open an account anyway.
Q: What information does the man give the woman?
(12)
A．That she needs $200 to open an account.
B．That savings accounts earn low interest.
C．That she should not open an account.
D．That $ 2,000 will earn reasonable interest.
正确答案：D
解析：男士说开定期账户只需要二十美元，但是对方若想"earn reasonable interest", 那账户里至少需要两千美元的余额，由此可推出选项D为正确项。 -
第3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4题：
听力原文：M: Can I make arrangements to open an automatic transfer account for my income tax payments?
W: Yes, of course. But you need to indicate what the regular and special transfers should be and we will automatically debit your account for them each month.
Q: What kind of account does the customer want to open?
(20)
A．A savings account.
B．A fixed account.
C．A check account.
D．An automatic transfer account.
正确答案：D
解析：根据男士的话，他是想"open an automatic transfer account"，即开一个自动转账账户。 -
第5题：
对话理解
听力原文：W: I know there are some elements which will affect the investors' searches for the highest possible returns. What are they?
M: Risk aversion, lack of time, lack of skill, and other mortal conditions.
Q: Which of the following doesn't belong to the elements which will constrain the investors' searches for the highest possible returns?
(11)
A．Risk aversion.
B．Lack of time.
C．Lack of skill.
D．Enough time.
正确答案：D
解析：男士答：影响投资者追求最高风险收益的因素包括风险厌恶、缺乏时间、缺乏投资技巧以及其他人类自身受到限制的因素。 -
第6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7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8题：
The rate of interest paid on a bank loan will depend () your firm’s standing with the bank and may be 2 per cent or 3 percent.
A、of
B、upon
C、for
D、in
参考答案：B
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第9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10题：
：The government manages to affect the level of aggregate demand through and（ ）monetary policy．
A．commerc ial
B．fiscal
C．sluggish
D．industrial
正确答案：B
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第11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12题：
Monetary base
正确答案:即货币基础或基础货币、高能货币。指商业银行的储备总额加上非银行部门持有的货币。 -
第13题：
对话理解
听力原文：M: Can I open a foreign currency account and convert my money into a currency which offers the highest interest?
W: Yes, we can arrange that for you, but foreign currency exchange rates are subject to fluctuation and sometimes you will suffer losses.
Q: What does the woman mean?
(11)
A．Interest rate of a foreign currency is much higher.
B．There are risks of losing money sometimes to open a foreign currency account.
C．Foreign currencies exchange rates are relatively stable.
D．It is advisable to open a foreign currency account.
正确答案：B
解析：男士是想开一个外汇账户，但女士提醒男士说外汇汇率会有波动，所以有时会 "suffer losses"。 -
第14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15题：
听力原文：M: I don't know why the man there said he couldn't pay my cheque.
W: Let me see. Yes. You draw your cheque in lead-pencil. It is not recognized in the bank. You should draw it in ink.
Q: What is the woman's suggestion?
(16)
A．Returning the cheque.
B．Drawing the cheque in ink.
C．Drawing the cheque in lead-pencil.
D．Going to the paying bank.
正确答案：B
解析：男士对他的薪金支票不能兑现感到不解，女士发现他是用铅笔开的支票，所以女士建议男士"draw it in ink"。 -
第16题：
听力原文：M: What margins will the lending bank charge?
W: Margins mainly depend on these factors: evaluation of credit risk, maturity of credit, and the starting point from which onwards the rate of interest shall be firm.
Q: How many factors do margins charged by the lending bank mainly depend on?
(12)
A．Four.
B．Two.
C．Three.
D．Five.
正确答案：C
解析：录音原文提到Margins mainly depend on…the rate of interest shah be firm．所以C选项正确。 -
第17题：
听力原文：M: CDs can be traded in the money market at any time. They are more flexible than fixed-term deposits.
W: That's right. So banks usually offer slightly lower interest rates on them.
Q: Which of the following has a higher rate?
(13)
A．CDs.
B．Demand deposits.
C．Fixed-term deposits.
D．Building societies deposits.
正确答案：C
解析：根据对话可知，CDs比定期存款(fixed-term deposit)更加灵活，但利率较CDs低，也就是定期存款利率要高。 -
第18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19题：
What is the purpose of the FOMC meeting?
A．Making decisions on investment portfolio of the FRB
B．Making decisions on monetary policy.
C．Making decisions on fiscal policy.
D．Making decisions on exchange rate of U. S. dollar.
正确答案：B
解析：录音原文提到At these meetings the FOMC members decide…be changed联邦公开市场操作委员会成员在会议上商榷货币政策是否应该改变。 -
第20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21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22题：
The government manages to affect the level of aggregate demand through（ ）and monetary policy．
A. bullish
B. profitable
C. broke
D. receivable答案：B解析：解题指导： fiscal指“财政的”。题干可翻译为“该国政府试图通过财政和货币政策来影响总需求水平”。故答案为B。 -
第23题：
Which of the following aspects is not what an economic union concerns？（）
- A、common currency
- B、harmonized tax rates
- C、harmonized tax rate structures
- D、common political policy
正确答案:D