题目
What are large banks in large cities engaged in besides supplying bank deposit services?
A.They are engaged in international trade.
B.They do some particular business with foreigners.
C.They provide some specific ancillary services.
D.They establish correspondent banks in small cities.
第1题
What do large banks allow individual banks to do?
A.To sell credit cards to consumers.
B.To join their credit card network.
C.To provide other banking services.
D.To specialize in federal funds.
第2题
What does Lucia Dunn think might be a risk for the credit card issuing banks?
A.They go bankrupt as a result of over-lending.
B.They lose large numbers of their regular clients.
C.Their clients leave their debts unpaid upon death.
D.Their interest rates have to be reduced now and then.
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.
第4题
听力原文:W: Do the banks set the same credit lines to all the customers?
M: No. Banks normally set different credit lines to different groups of cardholders. That depends on the personal income, the occupation, and to a large extent, on the creditworthiness of the customer.
Q: What will be the credit line if a customer is a professor and has a good reputation?
(20)
A.The credit line will be lower than usual.
B.The credit line will be higher than usual.
C.The credit line will be as usual.
D.The credit line will be indefinite.
第5题
The restrictive laws that the courts are interpreting are mainly a legacy of the bank failures of the 1930s. The current high rate -- higher than at any time since the Great Depression -- has made legislators afraid to remove the restrictions. While legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets. In trying to escape from these restrictions, banks are taking enormous, and what should be unnecessary, risks. For example, would a large bank be buying small, failed savings banks at inflated prices if federal law and states' regulations permitted that bank to expand through the acquisition of financially healthy banks in the region7 Of course not. The solution is clear American banks will be sounder when they are not geographically limited. The House of Representative's banking committee has shown part of the way forward by recommending common-sensible, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form. counterweights to the big money-center banks. Without this breathing space the big money-legislation should be regarded as only a way station on the road towards a complete examination of American's suitable banking legislation.
The author’s attitude towards the current banking laws is best described as one of _______.
A.concerned dissatisfaction
B.tolerant disapproval
C.uncaring indifference
D.great admiration
第6题
The restrictive laws that the courts are interpreting are mainly a legacy(遗赠物) of the bank failures of the 1930's. The current high rate of bank failure--higher than at any time since the Great Depression--has made legislators 'afraid to remove the restrictions. While their legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets.
In trying to escape from these restrictions, banks are taking enormous, and what should be unnecessary, risks. For instance, would a large bank be buying small, failed savings banks at inflated prices if federal law and states regulations permitted that bank to explain instead through the acquisition of financially healthy banks in the region? Of coupe not. The solution is clear. American banks will be sounder when they are not geographically limited.
The house of Representative's banking committee has shown part of the way forward by recommending common-sensible, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form. counterweights to the big moneycenter banks. Without this breathing space the big money-center banks might soon extend across the country to develop. But any such legislation should be regarded as only a way station on the road towards a complete examination of American's suitable banking legislation.
The restrictive banking laws of the 130's are still on the book because______.
A.the bank failures of the 1930's were caused by restrictive courts
B.banking has not changed during the past 50 years
C.legislators believe banking problems similar to those of the Depression still exist today
D.the banking system is too restrictive, but no alternatives have been suggested
第7题
The restrictive laws that the courts are interpreting are mainly a legacy of the bank failures of the 1930's. The current high rate of bank failure—higher than at any time since the Great Depression—has made legislators afraid to remove the restrictions. While their legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets. In trying to escape from this restrictions, banks are taking enormous, and what should be unnecessary, risks. For example, would a large bank be buying small, failed savings banks at inflated prices if federal laws and states regulations permitted that bank to explain instead through the acquisition of financially healthy banks in the region? Of course not. The solution is clear. American banks will be sounder when they are not geographically limited. The house of Representative's banking committee has shown part of the way forward by recommending common-sense, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form. counterweights to the big money-center banks. Without this breathing space the big money-center banks might soon extend across the country to develop. But any such legislation should be regarded as only a way station on the road towards a complete examination of America's suitable banking legislation.
The author's attitude towards the current banking laws is best described as one of ______.
A.concerned dissatisfaction
B.tolerant disapproval
C.uncaring indifference
D.great admiration
第8题
A.way
B.away
C.large
D.big
第9题
Why should banks need to establish formal operating procedures?
A.The supervisory authorities require them to do so.
B.The shareholders expect a reasonable return on their investment.
C.The banks have to keep safe large volume of monetary items raised from all sources.
D.The banks engage in a large volume and variety of transactions.
第10题
A.commercial banks
B.the federal government
C.large corporations
D.state and city governments
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