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Banks are usually prepared to make long-term loans to investors.
A．Right
B．Wrong
C．Doesn't say
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更多 “ Banks are usually prepared to make long-term loans to investors.A．RightB．WrongC．Doesn't say ” 相关考题
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In Britain people usually have a doctor near their home or in their town. This is the local doctor. You have to register with a doctor before you can make an appointment. You usually have to fill in a form. and the doctor examines you. Families often all register with the same doctor. Doctors often work together in groups, and the name of the place where they work is a Doctor's Surgery. The government pays for this system, and it is free to go to see your doctor. If the doctor decides that you need treatment he can prescribe medicine. For example he can prescribe antibiotics for an infection. Medicine can be tablets to take with water or liquid to drink. The doctor writes the prescription. You take the prescription to the chemist's, and the chemist will make up the medicine for you. You usually have to pay some money for the medicine --- but you don't have to pay the full price.(1). British people usually go a long way to see a doctor.A、 Right.B、Wrong.C、Doesn't say.(2). Some rich British families don't register with the same doctor.A、 Right.B、Wrong.C、Doesn't way.(3). British people don't have to pay when they see their doctor.A、 Right.B、Wrong.C、Doesn't say.(4). Doctors always work alone in their own Doctor's Surgery.A、 Right.B、Wrong.C、Doesn't say.(5). British people usually have to pay for their prescription at the chemist's.A、 Right.B、Wrong.C、Doesn't say.
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The banks will be punished by the Reserve Bank if they refuse to cooperate.A．RightB．WrongC．Doesn't say
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The commercial banks mentioned in the passage can not have any other trade with companies except the credit action.A．RightB．WrongC．Doesn't say
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Relatively efficient market can usually provide information on the credit worthiness of a commercial bank.A．RightB．WrongC．Doesn't say
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听力原文：Commercial banks are mainly to provide short-term loans for the capital market with the acquired deposits and the funds from other channels.(2)A．Commercial banks mainly provide short-term loans for the capital market.B．The capital market mainly depends on the acquired deposits and the funds from other channels.C．Short-term loans are mainly from the acquired deposits and the funds from other channels.D．Commercial banks mainly depend on the capital market for deposits and the funds.
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A sound bank will not suffer from the bankruptcy of other unrelated banks.A．RightB．WrongC．Doesn't say
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As some treasury bills do not actually pay interest, they are not attractive to investors.A．RightB．WrongC．Doesn't say
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Banks will usually grant unsecured loans to ______.A．individuals with steady job held for yearsB．individuals with a good credit recordC．large commercial companies with a strong financial conditionD．all of the above
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Which of the following statements is true?A．Loans for buying houses are always secured in order to reduce the risk of nonpayment.B．Companies are more likely to borrow on all unsecured basis than individuals.C．The largest loans advanced by banks are always secured loans.D．Borrowers are more willing to repay the money if the loans are made on an unsecured basis.
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In the UK commercial banks often raise funds by issuing bonds and stocks.A．RightB．WrongC．Doesn't say
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听力原文：Banks make money in the foreign exchange dealings not on profit margin but on volume.(8)A．Banks make money in foreign exchange business because of profit margin.B．Banks make money from the price spread in the foreign exchange market.C．Banks make money in foreign exchange business on profit as well as on volume.D．Banks make money in foreign exchange business because of the great volume.
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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.
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Banks in international lending face the risks common to all banks: liquidity risk, interest rate risk, credit (asset) risk, and contingent liabilities risk.A．RightB．WrongC．Doesn't say
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Banks face losses from three sources : their own position ; dealing positions taken by employees, and defaults by counter parties to forward exchange contracts and covering transactions.A．RightB．WrongC．Doesn't say
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Normally, banks will set different credit limits on different customers' credit card ac counts.A．RightB．WrongC．Doesn't say
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听力原文：M: Most banks tend to decline loan proposals which are highly speculative.W: I think because the banks expect the loan to generate sufficient profit and positive cash-flow for themselves and for the clients.Q: What will the banks usually do to the highly speculative loan proposals?(15)A．The banks will disapprove them.B．The banks will approve them.C．The Bank will benefit from the loans.D．The bank will make profit from lending.
考题
Usually, a loan to government is safer than a loan to a private-sector borrower.A．RightB．WrongC．Doesn't say
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The correspondent bank can only make money for its services to other banks from deposit balances maintained by bank customers.A．RightB．WrongC．Doesn't say
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The amount of checks debited against New York banks in October 1982 was 39.27 trillion, which was 42% of the aggregate amount of checks of all the insured banks that month.A．RightB．WrongC．Doesn't say
考题
There's been a steady drumbeat of warmings about a surge in risky corporate borrowing-but not much clarity serious the threat is. At issue is the more than S1 million market in leveraged loans. That's Wall Street jargon for loans to business with less than rook-solid finances, Federal Reserve and European Central Hank officials have drawn to the rise in corporate debt and the deterioration or lending standards. The loans are often bundled into securities ollateralized loan obligations (CLOs).
Most of the watchdogs are carceful to say a repeat of the 2007-2008 crisis is unlikely because most of the debt banks. But that creates another problem Regulators focused on banks are largely in the dark when it comes to where the risks he and how they might ripple through the financial system when the economy turns down. A big over-indebted businesses could face severe stress and, in some cases, insolvency, threatening jobs and deepen downturn.
The mechanics of the leveraged loan market will be familiar to students of the housing crisis.
With interesting investors are willing to take greater risks to get higher yields. That makes lots of money available for lending. we makes it easier for less creditworthy companies to borrow .Rather than keep the risky loans on their books, lender them to asset managers that package them into securities -C1Ds-that are sold to investors such as insurers and hedge funds.
Yields on the riskicst portions of CLOs can approach 9% a year. And the growth of leveraged lending has been post crisis bank regulations that helped the rise or shadow lenders financial companics that aren't regulated like market for levcraged loans has more than doubled since 2012.
The risk taking could get worse: With demand by borrowers for levcraged loans declining this year, those still financing have been able to extract looser learns.
About 85% of leveraged loans are held by nonbanks, according to Wells Fargo rescarch.
But banks may play a larger robe than may assumc, according to Gaurav V asisht, drector for financial regulation at the Volcker Alliance, a good-governance group, Banks are involved in all stages of the process. They underwrite loans, sell them to the CLOs, invest in those securities, and then hedge those risks in the market.“One common narrative is that banks don't have much risk or aren't exposed 1o it. Vasisht said at the hearing, "Banks are exposed to it."
Just beeause banks are safer doesn't necessarily mean the financial system is, says Karen Petron, managing partner at Federal Financial Analytics, a regulatory- analysis firm. Debt investors might not be as resilient in a crisis, and their problems could create shock waves. "Banking regulators are being a htte myopic when they 're looking only at the banking system for systemic risk," she says.- Sally Bakewell and Thomas Beardsworth.
What does the undcrlined word "'myopie" mean in the last paragraph?( )
A. optimistic
B. pessimistic
C. short-sighted
D. sarcastic
考题
There's been a steady drumbeat of warmings about a surge in risky corporate borrowing-but not much clarity serious the threat is. At issue is the more than S1 million market in leveraged loans. That's Wall Street jargon for loans to business with less than rook-solid finances, Federal Reserve and European Central Hank officials have drawn to the rise in corporate debt and the deterioration or lending standards. The loans are often bundled into securities ollateralized loan obligations (CLOs).
Most of the watchdogs are carceful to say a repeat of the 2007-2008 crisis is unlikely because most of the debt banks. But that creates another problem Regulators focused on banks are largely in the dark when it comes to where the risks he and how they might ripple through the financial system when the economy turns down. A big over-indebted businesses could face severe stress and, in some cases, insolvency, threatening jobs and deepen downturn.
The mechanics of the leveraged loan market will be familiar to students of the housing crisis.
With interesting investors are willing to take greater risks to get higher yields. That makes lots of money available for lending. we makes it easier for less creditworthy companies to borrow .Rather than keep the risky loans on their books, lender them to asset managers that package them into securities -C1Ds-that are sold to investors such as insurers and hedge funds.
Yields on the riskicst portions of CLOs can approach 9% a year. And the growth of leveraged lending has been post crisis bank regulations that helped the rise or shadow lenders financial companics that aren't regulated like market for levcraged loans has more than doubled since 2012.
The risk taking could get worse: With demand by borrowers for levcraged loans declining this year, those still financing have been able to extract looser learns.
About 85% of leveraged loans are held by nonbanks, according to Wells Fargo rescarch.
But banks may play a larger robe than may assumc, according to Gaurav V asisht, drector for financial regulation at the Volcker Alliance, a good-governance group, Banks are involved in all stages of the process. They underwrite loans, sell them to the CLOs, invest in those securities, and then hedge those risks in the market.“One common narrative is that banks don't have much risk or aren't exposed 1o it. Vasisht said at the hearing, "Banks are exposed to it."
Just beeause banks are safer doesn't necessarily mean the financial system is, says Karen Petron, managing partner at Federal Financial Analytics, a regulatory- analysis firm. Debt investors might not be as resilient in a crisis, and their problems could create shock waves. "Banking regulators are being a htte myopic when they 're looking only at the banking system for systemic risk," she says.- Sally Bakewell and Thomas Beardsworth.
According to the article, which of the following statements is true?( d )
A. The mechanics of leveraged loans are different from that of housing crisis.
B. regulators admit that the financial crisis in 2008 might repeat.
C. shadow lenders will be regulated.
D. banks are not immune from the risks of corporate debt.
考题
There's been a steady drumbeat of warmings about a surge in risky corporate borrowing-but not much clarity serious the threat is. At issue is the more than S1 million market in leveraged loans. That's Wall Street jargon for loans to business with less than rook-solid finances, Federal Reserve and European Central Hank officials have drawn to the rise in corporate debt and the deterioration or lending standards. The loans are often bundled into securities ollateralized loan obligations (CLOs).
Most of the watchdogs are carceful to say a repeat of the 2007-2008 crisis is unlikely because most of the debt banks. But that creates another problem Regulators focused on banks are largely in the dark when it comes to where the risks he and how they might ripple through the financial system when the economy turns down. A big over-indebted businesses could face severe stress and, in some cases, insolvency, threatening jobs and deepen downturn.
The mechanics of the leveraged loan market will be familiar to students of the housing crisis.
With interesting investors are willing to take greater risks to get higher yields. That makes lots of money available for lending. we makes it easier for less creditworthy companies to borrow .Rather than keep the risky loans on their books, lender them to asset managers that package them into securities -C1Ds-that are sold to investors such as insurers and hedge funds.
Yields on the riskicst portions of CLOs can approach 9% a year. And the growth of leveraged lending has been post crisis bank regulations that helped the rise or shadow lenders financial companics that aren't regulated like market for levcraged loans has more than doubled since 2012.
The risk taking could get worse: With demand by borrowers for levcraged loans declining this year, those still financing have been able to extract looser learns.
About 85% of leveraged loans are held by nonbanks, according to Wells Fargo rescarch.
But banks may play a larger robe than may assumc, according to Gaurav V asisht, drector for financial regulation at the Volcker Alliance, a good-governance group, Banks are involved in all stages of the process. They underwrite loans, sell them to the CLOs, invest in those securities, and then hedge those risks in the market.“One common narrative is that banks don't have much risk or aren't exposed 1o it. Vasisht said at the hearing, "Banks are exposed to it."
Just beeause banks are safer doesn't necessarily mean the financial system is, says Karen Petron, managing partner at Federal Financial Analytics, a regulatory- analysis firm. Debt investors might not be as resilient in a crisis, and their problems could create shock waves. "Banking regulators are being a htte myopic when they 're looking only at the banking system for systemic risk," she says.- Sally Bakewell and Thomas Beardsworth.
12. Which one is false about the leveraged loans?(。)
A. they are loans provided to companies already holding a considenble amount of debt.
B. It is easier for companies to get leveraged loans.
C. most of the leveraged loans are held by nonbanks.
D. the Federal Reserve is quite sure about the risks of leveraged loans.
考题
The Volcker Rule basically says that banks can’t gamble with risky Wall Street bets because they might make bad______and collapse。A.shifts
B.debts
C.mistakes
D.bets
考题
单选题CleanGreens! will make food healthier.A
RightB
WrongC
Doesn’t say
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