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Practice 4 The other kind of bank—the Bank of the United States was simultaneously a commercial bank and a quasi-public central bank. The First Bank of the United States, chartered by the Congress in 1791, owed its existence to Alexander Hamilton who, shortly after becoming Secretary of the Treasury, showed remarkable insight into the financial problems of the young country and the economic implications of banking. The First Bank of the United States operated much like a private bank. But unlike a regular commercial bank, it had the federal government as a partner and number one customer. The Bank served as the fiscal agent for the government, holding government tax receipts, paying government bills, performing various financial housekeeping tasks. In return, the government kept its cash as deposits with the First Bank of the United States, giving it a huge financial base. The First Bank’s federal charter, moreover, allowed it to operate branches in all states, giving it a big competitive edge over regular state-chartered banks, which could operate only in the states that chartered them. Gradually the First Bank of the United States evolved into a sort of banker’s bank, gaining the power to police lesser commercial banks.
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更多 “问答题Practice 4 The other kind of bank—the Bank of the United States was simultaneously a commercial bank and a quasi-public central bank. The First Bank of the United States, chartered by the Congress in 1791, owed its existence to Alexander Hamilton who, shortly after becoming Secretary of the Treasury, showed remarkable insight into the financial problems of the young country and the economic implications of banking. The First Bank of the United States operated much like a private bank. But unlike a regular commercial bank, it had the federal government as a partner and number one customer. The Bank served as the fiscal agent for the government, holding government tax receipts, paying government bills, performing various financial housekeeping tasks. In return, the government kept its cash as deposits with the First Bank of the United States, giving it a huge financial base. The First Bank’s federal charter, moreover, allowed it to operate branches in all states, giving it a big competitive edge over regular state-chartered banks, which could operate only in the states that chartered them. Gradually the First Bank of the United States evolved into a sort of banker’s bank, gaining the power to police lesser commercial banks.” 相关考题
考题
Why does the woman plan to go to town？A To pay her bills in the bank. B To buy books in a bookstore. C To get some money from te bank.
考题
A bank's liquid assets include following items except ______.A．notes, coins and bullionB．current balances with central and other banksC．money at call and short noticeD．bank's premises
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听力原文：The bank has special obligation to depositors, because it makes profits from their money as well as its own.(4)A．The bank makes profits only from its own money.B．The bank makes profits from not only the deposits but also its own money.C．The bank has special obligation to make profits.D．The bank makes profits by having special obligations to depositors.
考题
听力原文：M: We haven't set up correspondent relations with Standard Chartered Bank, London.W: Then we shall try to find another bank to have our letter or credit advised.Q: What do we learn from the conversation?(18)A．Standard Chartered Bank, London is one of our correspondent banks.B．We can advise this L/C through Standard Chartered Bank, London.C．We will send the advice of the L/C directly to the beneficiary.D．Ａnother bank will be chosen as the advising bank of this L/Ｃ.
考题
In order to (56) foreign exchange administration, maintain strong balance of payments position, China (57) the Regulations on Foreign Exchange Administration on January 29,1996. The State Administration of Foreign Exchange is the agency responsible for foreign exchange administration. The SAFE has a similar branch structure with that of the People's Bank of China, China's central bank. The Bank of China (58) the principal foreign exchange bank. Other banks and financial institutions, (59) affiliates of non-resident banks, (60) designed transactions with the approval of the SAFE.(41)A．developB．improveC．changeD．conduct
考题
American students learn business skills in school. Here is a story about some American students who learnt business skills by operating their own banks. In December 1987, the Twiglet Bank was opened at an Elementary School in Miami, Florida. It is a real bank that accepts money for savings and makes loans, and it is operated by students between 10 and 12 years old.The bank is open for one hour two days a week. Students can put their money into the bank and withdraw it as they wish. Officials from a local bank helped the students start the bank. They trained twenty-three of them to do all the different kinds of bank jobs, from counting money to guarding the bank. The students needed money to start the bank. They raised more than $ 2,000 by selling 50-dollar shares in the bank to parents, teachers, the local bank workers, and customers. Organizing and operating the bank has taught the children a lot about the banking business. They have learned about raising and investing money and how to use computers and other banking equipment. They have also learned how to ask for a job and to be responsible for their jobs.1. Who helped these children start a bank()A. ParentsB. TeachersC. Bank staff2. How did children raise money for their bank()A. Their schools provided financial support for them.B. They sold shares to their parents, teachers, local bank workers and customers.C. They found an organization to donate a set of fund.3. Who is currently operating Twiglet Bank()A. TeenagersB. CommunityC. Government4. Which is not TRUE for the benefits of children from operating their own banks()A. They learned how to use computers and banking equipment.B. They learned how to find a job and do it well.C. They learned how to produce the money.5. What is the best title for this passage()A. A Bank of MiamiB. A Students’ BankC. The Operation of American Banks
考题
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.
考题
听力原文：If a customer informs his bank that a draft which has been issued to him has been lost, the drawee bank should be noticed immediately.(8)A．The customer should first notify the drawee bank of the loss of his draft.B．The customer should first notify the drawer bank of the loss of his draft.C．The customer should first notify the remitting bank of the loss of his draft.D．The customer should first notify the collecting bank of the loss of his draft.
考题
Which of the following are interest-earning securities?A．Bank deposit certificates in Eurodollars.B．Gilt-edged stocks.C．United States Treasury Bonds.D．All of the above.
考题
听力原文：In the United States, the Federal Gold Reserve acts as the central bank.(2)A．In the US, the Federal Gold Reserve acts as the central bank.B．In the US, the central bank is the commercial bank.C．In the US, there is no central bank.D．In the US, the central bank is not so important.
考题
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
考题
根据下列内容，回答211-215题。
A house is the most expensive thing most people will ever buy．Very few people have enough money of their own to buy a house，so they have to borrow money from a bank．Borrowing moneyfrom a bank to buy a house is called“take a mortgage”．The bank usually lends money or gives a me．gage for twenty—five years．Houses are so expensive that many people nowadays have to borrow as much as$50，000．In other words，they will have a$50，000 mortgage．
How can you get a mortgage? When you find a house you like．you go to a bank．The bank will research you financial history and decide if they think you are a good risk．They will want to know what kind of job you have，what kind of salary you make and how long you have had the job．
They will a]so want to know how much money you have．In addition．the banks will require a down payment．Depending Oil which state you live in，the bank may require as much as 30%of the price of the house as a down payment．The bank will then lend you the rest of the money to buy the house.Many people are never able to buy a house because they can not save enough money for the
down payment．
What does a house mean in the United States．? __________A.It is a dream which many people can hardly realize
B.It is so expensive that many people can not really buy them
C.It is the most important property that many people try to buy
D.It doesn’t belong to people if they can not borrow morley from the bank
考题
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
Which of the following is not true?（ ）
A.National Banks in the USA refers to “State Banks”.
B.The group banking system usually exists in the states where branch banking is prohibited.
C.Stateside branching implies that bank branches are allowed to operate anywhere within the state.
D.Limited branching allows bank to operate branches within geographic territories authorized by the state law.
考题
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
Which of the following is TRUE?（ ）
A.The Fed undertakes banking supervision over banking system in the USA.
B.The savings banks in the USA are authorized to do real estate business by some states’ law.
C.Specialized banks in the USA provide funds as the lender of last resort.
D.Specialized banks in the USA are the same to those in China.
考题
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
What is the charting authority of the USA for banks?（ ）A.FRA
B.Laws of states
C.Fed
D.OCC
考题
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
Mr. Jin agrees with the following ideas except ( ).A.World Bank and the Asian Development Bank emphasize more on poverty reduction than Asian Infrastructure Investment Bank does.
B.The Asian Infrastructure Investment Bank will be devoted to improve develpomengt in Asia.
C.The Asian Infrastructure Investment Bank will work together with the World Bank, the Asian Development Bank and the European Bank for Reconstruction and Development.
D.The Asian Infrastructure Investment Bank will pose a challenge to the United States.
考题
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
What does “lean” mean in Paragragh 6?（ ）A.be well organized
B.be well funded
C.be less redundant
D.be less corrupted
考题
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
About the four projects, which one of the following statements is false? （ ）A.The project will only improve road in Tajikistan by three miles but it will do great help.
B.Local people welcome the projects.
C.The Asian Infrastructure Investment Bank can start the projects quickly with the finance of other institutions.
D.The project in Bangladesh is also financed with other institutions.
考题
资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
The Asian Infrastructure Investment Bank’s first four loans will go to the following except ( ).A.India
B.Tajikistan
C.Pakistan
D.Bangladesh
考题
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
What is included in the commercial banking system of the USA?（ ）A.The Fed banks, the State banking and group banking.
B.The Fed banking, the state banking and group banking.
C.Unit banking, group banking and branch banking.
D.Specialized banks, group banking and unit banking.
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资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M-4, the bank said.
Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The bank’s $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.
Although the new bank was China’s idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully together.”
The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obama’s administration was mostly concerned that the bank would challenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World WarⅡ.
In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.”
Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2014. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conference. Asked if he believed that Britain’s decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such..（缺失）
Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.
According to the article, which one of the following statement is true?（ ）A.Britain’s exit from European Union will have an impact on its membership in the bank.
B.United States and Japan will join the Asian Infrastructure Investment Bank soon.
C.More countries are interested in the membership in the bank.
D.Germany and France will join the bank soon.
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There are approximately 500 （） now in operation in the United States.Asavings banksBsaving bankCsaving banksDsavings bank
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There are approximately 500 （） now in operation in the United States.A、savings banksB、saving bankC、saving banksD、savings bank
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Goods should not be dispatched direct to the address of a bank or consigned to a bank without prior agreement on the part of that bank.
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Bank of China informs the beneficiary, a Chinese import and export company that a foreign bank has opened a letter of credit in his favor. The bank does not add its engagement by informing the beneficiary. The Bank of China ia acting as （）.A、The issusing bankB、The advising bankC、The confirming bankD、The negotiating bank
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A reimbursing bank has received a valid claim under its reimbursement undertaking and is instructed by the issuing bank not to honour the claim. In accordance with the URR725, the reimbursing bank should: （）A、Reques tthe claiming bank to cancel the claimB、Instruct the claiming bank to contac tthe beneficiaryC、Honour the claim and debit the issuing bank’s accountD、Dishonour the claim as per the issuing bank’s instruction
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