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单句理解
听力原文：The interest rates on these small deposits are usually floating rates, and they are usually 2%- 5% below the bank's current base rates.
(1)
A．Bank's current base rates are higher than those on small deposits.
B．Bank's current base rates are lower than those on small deposits.
C．Bank's current base rates are not floating rates.
D．Bank's current base rates are usually floating rates.
参考答案
更多 “ 单句理解听力原文：The interest rates on these small deposits are usually floating rates, and they are usually 2%- 5% below the bank's current base rates.(1)A．Bank's current base rates are higher than those on small deposits.B．Bank's current base rates are lower than those on small deposits.C．Bank's current base rates are not floating rates.D．Bank's current base rates are usually floating rates. ” 相关考题
考题
听力原文：M: The depositors can earn interest on demand deposits, is that right?W: Yes, but the rate of interest on demand deposits is generally well below the bank's base rate.Q: What does the woman imply?(15)A．The bank's base rate is fixed.B．The rate on demand deposits is low.C．The rate on demand deposits is high.D．The bank's base rate is floating.
考题
听力原文： A certificate of deposit (CD) is a time deposit with a bank. Time deposits may not be withdrawn on demand like a check account. CDs are generally issued by commercial banks but they can be bought through brokerages. They bear a specific maturity date that usually lasts from 3 months to 5 years, a specified interest rate, and can be issued in any denomination, very similar to bonds. CDs offer a slightly higher yield than T-Bills because of the slightly higher default risk for a bank, but overall the likeliness of a large bank going broke is pretty slim. Of course, the amount of interest you earn depends on a number of factors such as the current interest rate environment, how much money you invest, the length of time, and your specific bank.24. What is a CD?25.Which of the followings generally issue CDs?26.How long does a specific maturity usually last?27.Why do CDs pay higher return to investors than T-bills?(24)A．A term deposit that can be drawn at any time.B．A time deposit with a bank.C．A current deposit.D．A cheek account.
考题
听力原文：The rate of interest on savings accounts is usually a little lower than that on deposit accounts.(5)A．There is a higher rate of interest on deposit account.B．There is a higher rate of interest on savings account.C．The rate of interest on deposit accounts is always much higher than that on savings accounts.D．The rate of interest on deposit accounts is usually much lower than that on savings accounts.
考题
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 limitsB．High annual fee.C．Low interest rates.D．Monthly statements.
考题
Since _______________, banks are permitted to set their own interest rates.
A、strict restrictionB、the mergerC、deregulationD、free trade
考题
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.
考题
听力原文：M: CDs can be traded in the money market at any time. They are more flexible than fixed-term deposits.W: That's right. So banks usually offer slightly lower interest rates on them.Q: Which of the following has a higher rate?(13)A．CDs.B．Demand deposits.C．Fixed-term deposits.D．Building societies deposits.
考题
听力原文：Although it is a normal part of banking, excessive interest rate risk can pose a significant threat to a bank's earnings and capital base.(4)A．Interest rate risk is a normal part of banking operations.B．Interest rate risk is a terrible threat to banking operations.C．A bank's earnings and capital base is a normal part of banking.D．A bank's earnings and capital base can pose a significant threat to banking.
考题
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.
考题
听力原文：Banks change their base rates fairly infrequently.(5)A．Banks often change their base rate.B．Banks seldom change their base rate.C．Banks never change their base rate.D．Banks change their base rate at regular intervals.
考题
听力原文：M: The rate on a personal loan is fixed according to the base rate at the time when the loan is made.W: But it is always higher than the base rate, isn't it?Q: What is determined when a personal loan is made?(14)A．Rate on the personal loan.B．Base rate of the bank.C．The amount of payment.D．Personal loan's time period.
考题
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．receivesB．getsC．chargesD．pays
考题
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
考题
资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured 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.
According to the passage, which of the following is NOT true about Star CD? （ ）A.The minimum amount to invest is USD 2000.
B.You may choose any maturity date as you wish.
C.The rates on certificate of deposits may vary day to day.
D.Separate certificates of deposits will be issued for additional deposits.
考题
资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured 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.
The CD’s annual percentage yield is （ ） annual interest rate.A.more than
B.less than
C.the same as
D.not comparable with
考题
资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured 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.
For deposit running for more than 30 days, early withdrawal may be （ ）, （ ） penalty or charge.
A.allowed, without
B.banned, with
C.allowed, with
D.banned, without
考题
资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured 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.
Which of the following statements is true? （ ）A.CD is automatically renewed for the same period unless having other instruction.
B.CD isn’t automatically renewed for the same period at the ruling rate of interest on the date of renewal.
C.CD is automatically renewed for the same period without any other instruction.
D.CD is automatically renewed for the same period with permission of the bank manager.
考题
资料：Children back at school, nights slowly starting to draw in and the weather more changeable. The seasons are turning and after an eerily calm summer for financial markets, there's a whiff of uncertainty in the air. Bond yields are up from their lows, and the relentless migration of global capital towards any asset, anywhere, with some yield, is slowing.
The concern is the growing awareness of central banks' waning ability to boost growth with ever-lower interest rates and ever-bigger purchases of assets. The debate about if, when and how slowly the US Federal Reserve will raise interest drags on, but if downward pressure on global bond yields from the European Central Bank （ECB） and the Bank of Japan's （BOJ） largesse is drawing to a close, that's a bigger milestone for markets.
A world of higher bond yields is one where the pressure to seek yield in exotic places is diminished. It's also a world where the capital gains that accompanied falling yields become capital losses and investors question the merit of bonds over cash （or equities）.
This search for yield in exotic places has, since the end of January, helped the Brazilian real gain more than 20% against the US dollar, with the Russian rouble managing almost as much. The dollar, itself, has fallen back is by 7.5% fall in trade-weighted terms, unwinding nearly 40% of the gains it has seen since mind-2014.
There's no need to panic about bond yields rising, because rate rises in Japan or the Eurozone are years away and the Fed's still tinkering. But 10-year yields on both German and Japanese government bond yields fell below zero for the first time in late June. They have been edging higher through the summer. It's almost as if investors really aren't that keen on tying money up at negative yields for that long – why not stick to cash?
In the US, estimates of "neutral" real interest rates are tumbling to around zero. Estimates of how much slack there is left in the labour market are being revised up and after five years when productivity growth has averaged a measly 0.5%, there's widespread acceptance that it's unlikely to accelerate by magic.
But even if we take all of this into account, markets are now pricing in an extraordinarily slow pace of rate hikes by the Fed – from their current 0.25-0.5% range, to about 0.75% by the end of 2017 and to 1% by the end of 2018.
GDP growth still oscillates around 2%, the Fed's favoured measure of inflation is at 1.6% and the unemployment rate is trending lower. The pricing of the future path of short term rates seems too low even for the "new normal" economic environment.
All of these currencies have gained against the pound and I can't see that changing. Too much importance should not be placed on either the collapse in confidence immediately after the vote to leave the EU or the subsequent bounce.
The economic impact of leaving the EU will be felt through delayed investment decisions as a result of uncertainty about when and on what terms it happens. A debilitating rather than a corrosive impact on the economy will be seen in slower, but positive growth. It will also be felt in further （slower） sterling weakness.
The Bank of England has already cut policy rates from 0.5% to 0.25%, and there's more to come from both the Bank and the pound over the next year. A 5% fall from here would take the pound close to €1.1, and we could see it fall below $1.25 as the Federal Reserve edges rates higher.
According to the the passage which of the followings is true?A.The Federal reserve may raises interest rates in December （after the US election）to push towards the GDP growth around 2%
B.The Fed thinks that the current inflation rate in the Unites States remain below 1.6% to help increase the employment rate
C.After the vote to leave the EU all of these currencies mentioned have gained against the pound and such trend will continue on
D.There’s widespread acceptance in the United States that real interest rates are falling to around zero with the rising sluggish labour market and about 0.5% of productivity growth but various economic indicators will not appear miraculous accelerated phenomenon
考题
资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured 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
考题
资料：Children back at school, nights slowly starting to draw in and the weather more changeable. The seasons are turning and after an eerily calm summer for financial markets, there's a whiff of uncertainty in the air. Bond yields are up from their lows, and the relentless migration of global capital towards any asset, anywhere, with some yield, is slowing.
The concern is the growing awareness of central banks' waning ability to boost growth with ever-lower interest rates and ever-bigger purchases of assets. The debate about if, when and how slowly the US Federal Reserve will raise interest drags on, but if downward pressure on global bond yields from the European Central Bank （ECB） and the Bank of Japan's （BOJ） largesse is drawing to a close, that's a bigger milestone for markets.
A world of higher bond yields is one where the pressure to seek yield in exotic places is diminished. It's also a world where the capital gains that accompanied falling yields become capital losses and investors question the merit of bonds over cash （or equities）.
This search for yield in exotic places has, since the end of January, helped the Brazilian real gain more than 20% against the US dollar, with the Russian rouble managing almost as much. The dollar, itself, has fallen back is by 7.5% fall in trade-weighted terms, unwinding nearly 40% of the gains it has seen since mind-2014.
There's no need to panic about bond yields rising, because rate rises in Japan or the Eurozone are years away and the Fed's still tinkering. But 10-year yields on both German and Japanese government bond yields fell below zero for the first time in late June. They have been edging higher through the summer. It's almost as if investors really aren't that keen on tying money up at negative yields for that long – why not stick to cash?
In the US, estimates of "neutral" real interest rates are tumbling to around zero. Estimates of how much slack there is left in the labour market are being revised up and after five years when productivity growth has averaged a measly 0.5%, there's widespread acceptance that it's unlikely to accelerate by magic.
But even if we take all of this into account, markets are now pricing in an extraordinarily slow pace of rate hikes by the Fed – from their current 0.25-0.5% range, to about 0.75% by the end of 2017 and to 1% by the end of 2018.
GDP growth still oscillates around 2%, the Fed's favoured measure of inflation is at 1.6% and the unemployment rate is trending lower. The pricing of the future path of short term rates seems too low even for the "new normal" economic environment.
All of these currencies have gained against the pound and I can't see that changing. Too much importance should not be placed on either the collapse in confidence immediately after the vote to leave the EU or the subsequent bounce.
The economic impact of leaving the EU will be felt through delayed investment decisions as a result of uncertainty about when and on what terms it happens. A debilitating rather than a corrosive impact on the economy will be seen in slower, but positive growth. It will also be felt in further （slower） sterling weakness.
The Bank of England has already cut policy rates from 0.5% to 0.25%, and there's more to come from both the Bank and the pound over the next year. A 5% fall from here would take the pound close to €1.1, and we could see it fall below $1.25 as the Federal Reserve edges rates higher.
According to the the passage and the regularity of rate hikes fixed by the fed in the past years，which of the following average percentage of rates will rise each of the coming years?A.0.75%
B.0.5%
C.0.25%
D.1%
考题
In international air cargo transportation， Specific Commodity Rates are usually lower than General Cargo Rates.
考题
单选题The current rates（）excess of 2 kn may occur with prolonged strong winds.A
byB
withC
onD
in
考题
单选题He said current interest rates are a direct_______of domestic(国内的) and international conditions.A
affectB
effectC
incomeD
outcome
考题
单选题Interest rates will usually increase after people have borrowed money.A
Right.B
Wrong.C
Doesn’t say.
考题
单选题Which of the following best expresses the main idea of the passage?A
The extra increase in benefit rates for families with young children is more important than other issues.B
To reduce poverty, the most important thing is to lower unemployment.C
To narrow the gap between rich and poor, the benefit rates should be raised higher than inflation rate.D
The government’s welfare reform programme has met strong criticism and opposition.
考题
问答题As a rule, saving is good. It helps individuals afford big-ticket items(a house, college tuition, etc.),protect against emergencies and prepare for retirement. For societies, it provides funds for investments in new factories, technologies and businesses. In economics textbooks, a country’s savings usually stay with in its borders. Also, savings automatically balance with new investment, mainly through interest rates and stock prices. If, for example, people want to save more than businesses want to invest, interest rates should drop.That should encourage investment and discourage saving.
考题
判断题In international air cargo transportation， Specific Commodity Rates are usually lower than General Cargo Rates.A
对B
错
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