The low interest rates on bank loans provided an impetus for many to buy homes.A．incentiveB．obstacleC．reasonD．delay
题目
The low interest rates on bank loans provided an impetus for many to buy homes.
A．incentive
B．obstacle
C．reason
D．delay
相似考题
参考答案和解析
正确答案：A
impetus意为“推动力”。A项incentive“动机”符合题意，如：Moneyisstillamajorincentiveinmostoccupations．(在许多职业中，钱仍是主要的鼓励因素。)其他三项obstacle“障碍”，reason“原因”，delay“延误，推迟”都不正确。
impetus意为“推动力”。A项incentive“动机”符合题意，如：Moneyisstillamajorincentiveinmostoccupations．(在许多职业中，钱仍是主要的鼓励因素。)其他三项obstacle“障碍”，reason“原因”，delay“延误，推迟”都不正确。
更多“The low interest rates on bank loans provided an impetus for many to buy homes.A．incentiveB．obstacleC．reasonD．delay”相关问题
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第1题：
The best Headline of this passage would be ______.
A．Loans Provided by Banks
B．Long-term Project Loans
C．Credit Financing
D．Term for Loans
正确答案：D
解析：整篇文章都在讲定期贷款，因此D才能概括全文主旨。 -
第2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：
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5题：
The government policies provided an impetus to this areas growth.
A．an incentive to
B．an obstacle to
C．a reason for
D．an assistance to
正确答案：A
A项anincentiveto“刺激、诱因”和animpetus“推动力”的意义接近。其他词语anobstacleto“障碍”，areasonfor“原因”和anassistanceto“帮助”则与句中短语animpetus的意义截然不同。 -
第6题：
An increase in a nation's rate of savings ultimately( ) to lower interest rates for business and consumer loans.A. lead
B. leads
C. leader
D. leading答案：B解析： -
第7题：
根据下列内容，回答211-215题。
A house is the most expensive thing most people will ever buy．Very few people have enough money of their own to buy a house，so they have to borrow money from a bank．Borrowing moneyfrom a bank to buy a house is called“take a mortgage”．The bank usually lends money or gives a me．gage for twenty—five years．Houses are so expensive that many people nowadays have to borrow as much as$50，000．In other words，they will have a$50，000 mortgage．
How can you get a mortgage? When you find a house you like．you go to a bank．The bank will research you financial history and decide if they think you are a good risk．They will want to know what kind of job you have，what kind of salary you make and how long you have had the job．
They will a]so want to know how much money you have．In addition．the banks will require a down payment．Depending Oil which state you live in，the bank may require as much as 30%of the price of the house as a down payment．The bank will then lend you the rest of the money to buy the house.Many people are never able to buy a house because they can not save enough money for the
down payment．
What does a house mean in the United States．? __________A.It is a dream which many people can hardly realize
B.It is so expensive that many people can not really buy them
C.It is the most important property that many people try to buy
D.It doesn’t belong to people if they can not borrow morley from the bank答案：C解析：从第一句“A house is the most expensive thing most people will ever buy”可知，房子是人们所要购置的最重要的财产。故C项正确。A、B项都提到买房子的不可能性，与文章中的抵押贷款从而购房相悖。D项过于绝对化，并不是所有的人都必须通过银行贷款才买得起房子。 -
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.
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。
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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.Interest is the amount of money which
A:a bank lends to people.
B:a bank loans to businesses.
C:a bank pays you.
D:a bank uses.答案：C解析： -
第10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.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： -
第11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 CD（光盘）or to go to a concert, then probably you would 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 an
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 you have 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.Among other things,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： -
第12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.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：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13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14题：
单句理解
听力原文：These time deposits earn higher interest rates, which may be fixed or floating, but no withdrawals are allowed until the term has ended.
(1)
A．Sometimes the interest rates on time deposits are not fixed.
B．People can draw these deposits at any time.
C．The interest rates on time deposits are fixed.
D．The interest rates on time deposits are floating.
正确答案：A
解析：单句意思为“定期存款会获得一个固定的或浮动的更高利率，但如果不到期则不允许取款”。只有A项意思正确。 -
第15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：
Retrofitting houses to use less energy should be a no-brainer for homeowners.（1）time,money spent on ways to reduce heat loss from draughty houses should produce a（2）return in lower fuel bills.In practice,many are cautious.Some improvements,such as solid-wall insulation and solar panels,can take over 25 years to（3）their initial cost.Few owners are willing to wait that long by then many are likely to have（4）and moved on Several governments have started finance schemes designed to（5）this problem.Since 2008 PaCE programmes have offered American homeowners loans to（6）improvements,repaid through higher local taxes on the property,（7）it belongs to.In Britain,the Green Deal offers loans over a 25-year period,with repayments added to energy bills.Countries including France and Canada have similar（8）In theory,these schemes should boost investment in common energy-saving measures,such as extra insulation and new boilers,（9）the first owner does not have to pay all the costs in advance But enrolment rates have（10）,according to Sean Kidney at the Climate Bonds Initiative,a think tank.In Britain,just 1%of those assesseed for the Green Deal have signed up.In Berkeley,California,home of the first PACe scheme,the（11）rate is similarly low.Homeowners are（12）chiefly because the interest rates on the loans look high.The Green Deal charges 7%;some PaCe schemes a hefty 8%.As these rates are fixed for decades,they will（13）look unattractive when（as now）short-term interest rates are low Many people also（14）they will save enough on their energy bills to cover the repayments Fc or instance（15）in britain that installing loft insulation can cut energy bills by 20%have been dented by a government study that found it（16）gas consumption by only 1.7%on average.Others fear that green loans may reduce the value of their home.In America,firms that underwn mortgages are（17）PACE loans Green loans have not been a failure everywhere.Around 250,000 households in Germany（18）for them each year.They do so（19）they need pay only 1%interest on them each year thanks to an annual public subsidy of 1.5 billion.Whether that is a（an）（20）use of taxpayers’money is another question（16）选？A.reduced
B.produced
C.increased
D.decline答案：A解析：词汇辨析题。A.reduced减少;B.produced产生;C.increased增加;D.de-clined下降。该空的16 gas consumption与上文cut energy bills是同义替换关系,out表示“减少”,故该题填人reduced,属于同义复现;此外,下文也明确提到reduce一词,又与下文形成原词复现。而D.虽然也有“下降”的意思,但该词表示的“下降”为不及物动词,后面不接宾语。综上,本题选择A. -
第18题：
What does“down payment”refer to in the passage? __________A.Money borrowed from a bank as a mortgage
B.Money paid to a bank before the mortgages is given
C.Interest received by a person who borrows money as the mortgages
D.Interest charged by a bank on a mortgage答案：B解析：从文章末段倒数第二句“111e bankwillthenlend youthe rest ofthemoneyto buythe house”可以推知“down payment”是在取得贷款之前自己先支付的那部分款项。即首付款。故选B项。 -
第19题：
Retrofitting houses to use less energy should be a no-brainer for homeowners.1 time,money spent on ways to reduce heat loss from drauShty houses should produce a 2 return in lower fuel bills.In practice,many are cauLious.Some improvements,such as solid-wall insulation and solar panels,can take over 25 years to 3 their initial cost.Few owners are willing to wait that long:by then many are likely to have.4 and moved on.Several governments have started finance schemes designed t0 5 this problem.Since 2008 PACE programmes have offered American homeowners loans to 6.improvements,repaid through higher local taxes on the property,7 it belongs to.In Brit.ain,Lhe Green Deal offers loans over a 25-year period,with repayments added to energy bills.Countnes including France and Canada have similar 8.In theory,these schemes should boost investment in common energy-saving measures,such as extra insulation and new boilers,9 the first owner does not have to pay all the costs in advance.But enrolment rates have 10,according to Sean Kidney at the Climate Bonds Initiative,a thinktank.In Britain,just 1%of those assessed for the Creen Deal have signed up.In Berkeley,California,home of the first PACE scheme,the 11 rate is similarly low.Homeowners are 12 chiefly because the interest raLes on the loans look high.The Green Deal charges 7%;some PACE schemes a hefty 8%.As these rates are fixed for decades,they will 13 look unattractive when（as now）short-term interest rates are low.Many people als0 14 they will save enough on their energy biUs to cover the repayments.For instance,15 in Britain that installing loft insulation can cut energy bills by 20%have been dented by a government study that found it 16 gas consumption by only 1.7%on average.Others fear that green loans may reduce the value of their home.In America,firms that undewrite mortgages are 17 PACE loans.Green loans have not been a failure everywhere.Around 250,000 households in Germany 18 for them each year.They do so 19 they need pay only 1%interest on them each yeu,thanks to an annual public subsidy of 1.5 billion.Whether that is a（an）20 use of taxpayers'money is another question.14选？A.coniend
B.doubt
C.concliide
D.debate答案：B解析：动词辨析题。[A]contend主张；[B]doubt怀疑；[C]conclude总结；[D]debate辩论。该空前的also说明本句与上文是并列关系，而上文出现大量负面词汇，说明该空填人的词也应该偏向负面，选项[Al[C][D]显然都偏向中性，只有[B]带有负面之意，故本题选择[B]．意为“许多人怀疑自己是否能节省下足够的能源费用来还款。” -
第20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21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.The word"touch" in paragraph 7 could be best replaced by
A:"deposit".
B:"work".
C:"use".
D:"cash".答案：C解析： -
第22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.Which way will help your money earn more money?
A:Putting your money in your room.
B:Putting your money in a piggy bank.
C:Putting your money in your pocket.
D:Putting your money in a savings account.答案：D解析： -
第23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。