听力原文：The bank must consider carefully whether the loan is to be used in any illegal ac

(9)

A．The relationship between the drawee and collecting bank will be taken into consideration first of all.

B．The remitting banker's instructions will be paid much more attention.

C．The remitting banker's instructions will be less important than the relationship between the drawee and collecting bank.

D．The remitting banker must consider the relationship between the drawee and collecting bank.

听力原文： When a savings account is opened in a bank, the depositor must sign a deposit agreement. By signing agreement, the depositor agrees to abide by the rules and regulations of the bank. At this time, a passbook may be given to the depositor. This is a small book in which the bank teller enters the date and amount of each deposit or withdrawal and initials the entry. The passbook is to be presented at the bank or mailed to the bank along with a deposit or withdrawal slip each time money is deposited or withdrawn from the account. An alternative practice for depositing or withdrawing money from a savings account is to give the depositor a small register for recording deposits and withdrawals and a pad of deposit withdrawal rotors. This procedure eliminates the use of the passbook.

24. What is the purpose of signing a deposit agreement？

25.What does a depositor do with a passbook？

26.What is the aim of a small register and a pad of deposit withdrawal forms？

(24)

A．To follow the bank's rules and regulations.

B．To have the right to make full use of the bank's facilities.

C．To open an account in the bank.

D．To protect the depositor's interest.

听力原文： The importer will require a full set of bills of lading in order to obtain the goods from overseas port. The bills of lading can only be obtained by payment of the bill of exchange (D/P) , or by acceptance (D/A). Therefore, the importer cannot obtain the goods without paying or accepting the bill of exchange, and conversely an exporter retains control of the goods until payment or acceptance of bill of exchange. When goods are sent by air, the airway bill could show the importer's bank as consignee. Once again the importer must pay or accept a bill of exchange to be able to obtain the goods. Once the importer has paid or accepted the bill of exchange, the importer's bank will issue a delivery order. The delivery order is an authority, signed on behalf of the bank, authorizing the airport to release the goods to the named importer.

27. What will the importer require to obtain the goods from oversea port？

28.What's the meaning of D/P？

29.How can he importer obtain the goods ？

30.When goods are sent by air, who can issue a delivery order to release the goods？

(27)

A．bill of lading

B．documentary letter

C．letter of credit

D．insurance document

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： If you want to invest money at short term, you've got several possibilities: first, a current account. This gives you the possibility of having all your money at your immediate disposal. It also entitles you to a cheque-book. Second, you've got a deposit account, which usually pays about 3. 5% interest, less tax. In that respect, a deposit account's a better investment than a current account. However, though you are entitled to a cheque-book, you can only withdraw up to a certain sum each month. For large amounts, you must give the bank a few months' notice. Finally, you have certificates of deposit. These pay in the order of 6.5% interest.

28. How many possibilities are there for a customer to invest money at short term？

29.With what kind of deposit can a customer NOT use a cheque-book？

30.What is the interest rate for maintaining a deposit account？

(28)

A．2.

B．5.

C．4

D．3

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.

听力原文：Many banks in America now carry accounts with the Bank of China, Shanghai.

(5)

A．Many banks in America accept accounts with the Bank of China, Shanghai.

B．Many banks in America start business with the Bank of China, Shanghai.

C．Many banks in America have accounts with the Bank of China, Shanghai.

D．Many banks in America owe money to the Bank of China, Shanghai.

(2)

A．The issuing bank will send the bill of lading and the L/C to the advising bank.

B．The issuing bank will notify the advising bank of the bill of lading and the L/C

C．The advising bank will reimburse the bill of lading and the L/C

D．The issuing bank will reimburse the bill of lading and the L/C

听力原文：If you lose your bank notes, the chance for you to get them back is not high.

(10)

A．If you lose your bank notes, you will not get them back.

B．If you lose your bank notes, you will get compensation.

C．If you lose your bank notes, you can get them back soon.

D．If you lose your bank notes, most probably, you will not get them back.

听力原文：M: If a bank has inadequate liquidity, what would happen？

W: In this case, it cannot obtain sufficient funds, either by increasing liabilities or by converting assets promptly. Thus, insufficient liquidity can lead to the insolvency of a bank.

Q: What would lead to a bank's insolvency？

(14)

A．Adequate liquidity.

B．Insufficient liquidity.

C．Increasing liabilities.

D．Converting assets.