短文理解听力原文：Credit card fraud is a big problem. Card fraud in the U.S. involving bank

短文理解

听力原文： In the United States, even if you decide that you do not want to borrow in order to go on vacation, it is still a good idea for you to have several major credit cards. These provide positive identification when renting an automobile and can be used for the deposit. The credit card receipts will serve as an accurate record of all hotel, plane, train, and restaurant expenses. The use of credit cards avoids the necessity of carrying large amount of cash, purchasing large amounts of traveler's cheeks and keeping track of them, or attempting to use personal checks in places other than your own locality.

Many major credit cards provide an instant cash service in case you run out of money. American Express, for example, has set up machines in major airports in which you can purchase traveler's checks using your American Express card.

21. The credit card receipts will serve as accurate record for all but which of the following choices？

22.Which of the following is not true about the use of credit card？

23.Concerning the advantages of credit cards, which of the following is true？

24.According to the passage, which card has set up machines in major airports？

(21)

A．hotel expenses

B．stock exchange

C．plane expenses

D．restaurant expenses

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.

对话理解

听力原文：M: The paper money required little effort to carry. If you need large amount of money, you can use a check or credit card to make the payment.

W: This nature of money is called portability and it provides convenience in settling transactions.

Q: What does the word portability mean？

(11)

A．It means being convenient to be carried.

B．It means being readily to be divided.

C．It means being easily identified.

D．It means being carried in a big basket.

短文理解

听力原文： A standby credit letter (SCL) is a contingent obligation of the letter's issuer. The issuing bank agrees to guarantee the credit of its customer or to guarantee the fulfillment of a contract made by its customer with a third party. The issuing bank earns a fee from providing the service of SCL. In general, the fee is relatively low and usually around 0.5 percent to 1 percent of the amount of credit involved due to the following reasons. On the one hand, the issuing bank may have previously analyzed the financial condition of its standby credit customer, and the probability is low that the issuer of the credit guarantee will ever be called upon to pay. On the other hand, the issuing banks carry zero reserve requirements and avoid the booking of additional assets, which would also require each bank to acquire more capital.

21. Is SCL same as revocable letter of credit according to the passage？

22.What will the issuing bank do for a standby credit letter？

23.Why is the service fee of SCL relatively low？

(21)

A．almost the same one

B．rather different

C．a little different

D．doesn't mention

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.

短文理解

听力原文： Dealers in government and private securities need short-term financing to purchase new securities and carry their existing portfolios of securities until those securities are sold to customers or reach maturity. Such loans are readily granted by many of the largest banks because of their high quality--often backed by pledging the dealer's holdings of government securities as collateral. Moreover, many loans to securities dealers are so short-overnight out to a few days that the bank can quickly recover its funds or make a new loan at a higher interest rate if the credit markets have tightened up.

21. Who need short-term financing according to the passage？

22.Why such loans are so high quality？

23.How long will the dealers keep such loans？

(21)

A．Dealers in foreign exchange.

B．Dealers in government bonds.

C．Dealers in IPO.

D．Dealers in government & private securities.

短文理解

听力原文： There are two main types of bank account in the UK: currency accounts and deposit accounts. A current account allows you to use a cheque book, but your money doesn't earn interest. There are bank charges for current accounts, but if your account remains in credit you need pay no charges at all. You must keep a certain amount in credit in your current to avoid charges. This amount changes from time to time.

A deposit account earns interest, but it doesn't allow you to use a cheque book. The rate of interest fluctuates. For example, in one year it dropped from 11% to 3%. You can withdraw money from a deposit account by giving notice to a hank. This notice is usually seven days.

A current account is a convenient and safe method of handling money. It is also called a cheque account. Your salary can go straight into your current account, and these clays more and more people are paid by direct credit instead of in cash. Direct credit means that your employer, or anyone else who wishes to pay you money, can pay the money straight out of their account into yours.

21. Which of the following statements is NOT true about a current account？

22.What is the rate of interest for a deposit account？

23.What is direct credit？

(21)

A．It allows you to use a cheque book.

B．It earns interest for you.

C．The bank will charge you for this account.

D．No charges will be paid if it remains in credit.

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.

听力原文：W: Can you talk about the characteristics of credit cards？

M: The credit card is a plastic card carrying a line of credit ranging from several hundred to several thousand dollars or more.

Q: Which of the following is not the characteristic of credit cards？

(12)

A．It is a plastic card.

B．People can lend it to others.

C．It can carry- a line of credit ranging from several hundred to several thousand or more.

D．It is very convenient.

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.