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[主观题]

Banks are important to the study of money and the economy because they______.A．provide a c

Banks are important to the study of money and the economy because they______.

A．provide a channel for linking those who want to save with those who want to invest

B．have been a source of rapid financial innovation that is expanding the alternatives available to those wanting to invest their money

C．are the only important financial institutions in economy

D．all of the above

E．only A and B of the above

答案

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发布时间：2020-10-31

更多“Banks are important to the study of money and the economy because they______.A．provide a c”相关的问题

第1题

Which of the following is implied in the passage？A．A very important purpose of bank - supe

Which of the following is implied in the passage？

A．A very important purpose of bank - supervision is to provide adequate capital for their operation.

B．A very important purpose of bank - supervision is to ensure banks to operate with adequate capital.

C．A very important purpose of bank - supervision is to put additional restrictions on the banks' operations.

D．A very important purpose of bank - supervision is to concentrate on risks.

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第2题

Commercial Banks Commercial banks play an important role（29)national（30)。（31)the end of M

Commercial Banks

Commercial banks play an important role (29) national (30) 。

(31) the end of May 1995, China has 15 commercial banks, the International Business reported. Eight of these are (32) nationwide. They are: the Industrial and Commercial Bank of China, the Agricultural Bank of China, the Bank of China, the People's Construction Bank of China, the Communications Bank, the CITIC Industrial Bank, the China Everbright Bank and the Huaxia Bank.

There are six (33) shareholding banks. They are: the Merchant's Bank, the Guandong Development Bank, the Shenzhen Development Bank, the Fuzhou Industrial Bank, the Shanghai Pudong Development Bank and the Hainan Development Bank.

Apart (34) these, there is the (35) of the People's Construction Bank of China, the China Investment Bank and two housing deposit banks. They are fully (36) by the People's Bank of China.

To add (37) the 15, the Minsheng Banking Corp was set up in January 1996. It is now the (38) non-State bank.

Five foreign banks have so far been (39) to run branch offices in Beijing. Here is a (40) of them:

-- Bank of Tokyo Tel 5931640

-- Citibank of the United States Tel 5004425

-- Hong Kong and Shanghai Banking Corporation Tel 5001121

-- Nanyang Commercial Bank Tel 5139026

-- Industrial Bank of Japan Tel 5954728

(29)

A．at

B．on

C．in

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第3题

听力原文：Trade between countries is one of the most important economic activities in the w

听力原文： Trade between countries is one of the most important economic activities in the world today. The U.S. has many trading partners, one of the most important is Japan. The trade between the two countries amounts to several billion dollars a year. Many U.S. banks therefore have offices in Japan, particularly in Tokyo and Osaka, the largest cities. Jean McPherson is the manager of' one of those for branch banks in Tokyo.

Jean majored in accounting and business administration in college. After graduation she got a job with a large New York bank. After two years in accounting, she was transferred to the loan department. Many of the loans which she was asked to consider involved international transactions. Some of them were so complicated that Jean felt she didn't have a broad enough background to understand them.

To get more experience, she asked for a transfer to the bank's international department. She became so expert in international finance that it became her career. When the bank decided to open a branch in Tokyo, Jean was selected to set it up and run it for the flint few years. She has been in Tokyo for more, than three years now.

(33)

A．She is a trading representative of the U.S. in Tokyo.

B．She is a government official of the U.S. in Tokyo.

C．She is the manager of an American bank in Tokyo.

D．She is the manager of a Japanese bank in Tokyo.

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第4题

● Read the article about commercial bank.● Choose the correct word to fill each gap.● For

● Read the article about commercial bank.

● Choose the correct word to fill each gap.

● For each question 29-40, mark one letter (A, B or C) on your Answer Sheet.

Commercial Banks

Commercial banks play an important role (29)______ national (30)______ .

(31)______ the end of May 1995, China has 15 commercial banks, the International Business reported. Eight of these are (32)______ nationwide. They are: the Industrial and Commercial Bank of China, the Agricultural Bank of China, the Bank of China, the People's Construction Bank of China, the Communications Bank, the CITIC Industrial Bank, the China Everbright Bank and the Huaxia Bank.

There are six (33)______ shareholding banks. They are: the Merchant's Bank, the Guandong Development Bank, the Shenzhen Development Bank, the Fuzhou Industrial Bank, the Shanghai Pudong Development Bank and the Hainan Development Bank.

Apart (34)______ these, there is the (35)______ of the People's Construction Bank of China, the China Investment Bank and two housing deposit banks. They are fully (36)______ by the People's Bank of China.

To add (37)______ the 15, the Minsheng Banking Corp was set up in January 1996. It is now the (38)______ non-State bank.

Five foreign banks have so far been (39)______ to run branch offices in Beijing. Here is a (40)______ of them:

● Bank of Tokyo Tel 5931640

● Citibank of the United States Tel 5004425

● Hong Kong and Shanghai Banking Corporation Tel 5001121

● Nanyang Commercial Bank Tel 5139026

● Industrial Bank of Japan Tel 5954728

(29)______

A．at

B．on

C．in

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第5题

Federal Deposit Insurance CorporationBefore 1933, and particularly during the period 1929—

Federal Deposit Insurance Corporation

Before 1933, and particularly during the period 1929—1933, bank failures were not uncommon.【51】 a bank overextended itself in creating credit or if several of its important loans could not be【52】, depositors in the bank would frequently become panicky and begin to make large withdrawals.【53】 the bank had only a small number of its deposits backed by currency, the bank would soon be unable to meet withdrawals, and most depositors【54】 their money. Most frequently a bank merely needed time to improve its cash position by【55】some of its loans and not making additional ones. In 1933, the number of bank failures【56】 a peak, forcing the federal government to intervene and【57】 the banks temporarily. To help restore the public's confidence【58】 banks and strengthen the banking community, Congress passed legislation setting up the Federal Deposit Insurance Corporation.【59】 corporation, an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for【60】 $100,000 per deposit. The FDIC has【61】 its insurance found by charging member institutions one-twelfth of 1 percent of their total deposits.

As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been【62】 to a few isolated instances. When deposits are federally insured, people【63】 rush to withdraw their money if they【64】 the financial condition of their bank. The delay gives the banks the necessary time to adjust their cash credit balance, and this action helps to reduce the【65】 of bankruptcy.

(51)

A．Although

B．Even if

C．If

D．Because

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第6题

？Read the article below about macroeconomic policies.？Choose the best sentence from the op

？Read the article below about macroeconomic policies.

？Choose the best sentence from the opposite page to fill each of the gaps.

？For each gap 8--12, mark one letter (A--G) on your Answer Sheet.

？Do not use any letter more than once.

MACROECONOMIC POLICIES

For most countries, the following four principal objectives of economic policy would apply: (1) Maintenance of employment at a high level. (2) Stable prices. (3) Economic growth. (4) Balance of payments equilibrium. These objectives are sometimes extremely difficult to achieve. A high level of employment, for example, tended to push wages and hence prices up. It also created an imbalance between exports and imports. Furthermore the competition among firms for labor tended to reduce labor productivity since workers were not always fully employed.

Government will differ in the emphasis they place on each of the above objectives. (8) . At times when inflation was high, great stress was placed on bringing it down, but this had severe effects on jobs and on economic growth. The pursuit of an expansionary policy very often resulted in an increase in GDP and a fall in the level of unemployment; but was accompanied by a marked rise in the rate of inflation and a serious balance of payments deficit.

In carrying out its economic policy, the government uses two principal means--fiscal policy and monetary policy. (9) Monetary policy is broadly neutral in its effects whilst fiscal and other measures can be used more discriminately--the redistribution of incomes and lower rates of corporation tax for small businesses are two examples.

Government regulation of the money supply is important for economic stability. Banks will wish to keep excess reserves when they do not foresee profitable and secure opportunities to make loans. This is likely to happen during the downswing and around the bottom of a business contraction. (10)

During a recession, profit-oriented banks tend to reduce the money supply by increasing their excessive reserves if the central banks did not intervene. (11) .

On the other hand, banks will want to squeeze possible money supply out of any given amount of cash reserves by keeping their reserves at the bare minimum when the demand for bank loans is buoyant, profits are high, and many investments suddenly start to look profitable. (12) The authorities must intervene to prevent this. The monetary authorities can exercise monetary control in two ways: either they can attempt to control interest (i. e. the price of money) or they can endeavor to control the money supply.

A Fiscal policy is concerned with taxation, subsidies and government spending; monetary policy, in contrast, is concerned with interest rates, the money supply and bank lending.

B As the money supply is an important influence on aggregate demand such a contraction of money supply would exacerbate the severity of the recession.

C This reduced incentive to hold excess reserves in prosperous times means that during an economic boom, the behavior. of profit-oriented banks is likely to make the money supply expand, adding undesirable momentum to the booming economy and paving the way for a burst of inflation.

D These objectives are sometimes extremely difficult to achieve.

E When this occurs, the prosperity of banks to hold excess reserves will turn the money creation process into one of the money destruction.

F For many years the main emphasis was on employment and balance of payments, but this adversely affected the pursuit of stable prices and economic growth.

G When adopting monetary policy, the central bank usually takes action to change the equilibrium of the money market, that is, to alter the money supply, move the interest rate, or do both.

(8)

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第7题

Making yourself a good record If you are an American and you think you might need to bo

Making yourself a good record

If you are an American and you think you might need to borrow money someday，the best thing to do is start early．

That’s because just as many employers want to hire only people with experience，banks and other creditots are usually reluctant to lend to those_______（1）a proven track record of paying back．_______ （2）time，the money they have borrowed．

But if you need experience just to get a start，how do you get that start in the first place？

With a little help from your parents usually，while you are still financially dependent_______ （3）them． It is easy to get a credit card or student loan when you are in college，because banks figure your parents will bail you out if you fail to pay．

So just as students take on internships to build up their resumes，one’s university time can be a good time to work on another important personal reeord：the credit_______ （4）．

Crledit reports are a_______ （5）0f one’s personal credit history，gathered by a credit reporting agency,or CRA．

Banks and companies-_______ （6） hospitals，landlords and insurance eompanies—regularly report to the three main CRAs in the US_______ （7）how their customers are doing at paying back the money they_______ （8）．

Anyone with a“legitimate business need”has the right to order individuals’reports from the CRAs．Potential creditots usually compile the information in the reports into a credit“score”，ranking the level of creditworthiness．Lack of experience in borrowing in_______ （9）to a bad record of doing so．can result in a low score．

Even if you are not considering taking out a loan for such a large purchase as a home or car，your credit report can be important to getting through life．Landlords often ask for the reports to judge_______（10）a person can be trusted to pay the rent．Credit checks are necessary for getting a credit card，even for purchasing a mobile phone calling plan．

People can obtain a copy of their own credit report，usually_______ （11）a cost of around us$8-9．Some consumer organizations recommend doing this once a year to allow one to catch any mistakes_______（12）have slipped into the records or，even worse，to find out whether any fraud has taken place．Though the system is controlled by laws_______ （13）to protect people’s privacy，it isn’t fool—proof：Sometime$people take out bad loads in others’names，_______ （14） their records. In a society addieted_______ （15）credit，that can be a disaster．

第 1 题

A．with

B．without

C．on

D．by

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第8题

Federal Deposit Insurance Corporation Before 1933, and particularly during the period

Federal Deposit Insurance Corporation

Before 1933, and particularly during the period 1929-33, bank failures were not un- common.______1 a bank overextended itself in creating credit or if several of its important loans could not be______2 , depositors in the bank would frequently become panicky and be- gin to make large withdrawals.______3 the bank had only a small number of its deposits backed by currency, the bank would soon be unable to meet withdrawals, and most depositors______4 their money. Most frequently a bank merely needed time to improve its cash position by______5 some of its loans and not making additional ones. In 1933, the number of bank failures______6 a peak, forcing the federal government to intervene and ______7 the banks temporarily. To help restore the public's confidence______8 banks and strengthen the banking community, Congress passed legislation setting up the Federal Deposit Insurance Corporation.______9 corporation, an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for______10 $100,000 per deposit. The FDIC has______11 its insurance fund by charging member institutions one-twelfth of 1 percent of their total deposits. As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been______12. to a few isolated instances. When de- posits are federally insured, people______13 rush to withdraw their money if they______14 the financial condition of their bank. The delay gives the banks the necessary time to adjust their cash credit balance, and this action helps to reduce the______15 of bankruptcy.

第 51 题请选择（1）处的最佳答案．

A．Although

B．Even if

C．If

D．Because

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第9题

Making Yourself a Good RecordIf you are an American and you think you might need to borrow

Making Yourself a Good Record

If you are an American and you think you might need to borrow money someday, the best thing to do is start early.

That's because just as many employers want to hire only people with experience, banks and other creditors are usually reluctant to lend to those(51)a proven track record of paying back,(52)time, the money they have borrowed.

But if you need experience just to get a start, how do you get that stat in the first place？

With a little help from your parents usually, while you are still financially dependent(53)them. It is easy to get a credit card or student loan when you are in college, because banks figure your parents will bail you out if you fail to pay.

So just as students take on internships to build up their resumes, one's university time can be a good time to work on another important personal record: the credit(54).

Credit reports are a(55)of one's personal credit history, gathered by a credit reporting agency, or CRA.

Banks and companies-(56)hospitals, landlords and insurance companies- regularly report to the three main CRAs in the US(57)how their customers are doing at paying back the money, they(58).

Anyone with a "legitimate business need" has the right to order individuals' reports from the CRAs. Potential creditors usually compile the information in the reports into a credit "score", ranking the level of creditworthiness. Lack of experience in borrowing in(59)to a bad record of doing so, can result in a low score.

Even if you are not considering taking out a loan for such a large purchase as a home or car, your credit report can be important to getting through life. Landlords often ask for the reports to judge(60)a person can be trusted to pay the tent. Credit checks are necessary for getting a credit card, even for purchasing a mobile phone calling plan.

People can obtain a copy of their own credit report, usually(61)a cost of around US$8-9. Some consumer organizations recommend doing this once a year to allow one to catch any mistakes(62)have slipped into the record or, even worse, to find out whether any fraud has taken place. Though the system is controlled by laws(63)to protect/people's privacy, it isn' t fool-proof: Sometimes people take out bad loans in others' names,(64)their records.

In a society addicted(65)credit, that can be a disaster.

A．with

B．without

C．on

D．by

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第10题

Read the article below about Federal Deposit Insurance Corporation.Choose the best word to

Read the article below about Federal Deposit Insurance Corporation.

Choose the best word to fill each gap, from A, B, C or D.

For each question 19—33, make one letter (A, B, C or D) on your Answer Sheet.

There is an example at the beginning.

Federal Deposit Insurance Corporation

Before 1993, and particularly…example… the period 1929-33, bank failures were not uncommon.

(19)…a bank overextended itself in creating credit or if several of its important loans could not be

repaid, depositors in the bank would frequently become panicky(惊慌的)and (20)… to make large withdrawals. (21)… the bank had only a small number of its deposits backed by currency, the bank would soon be unable to meet withdrawals , and most depositors (22)…their money. Most frequently a bank merely needed time to improve its cash position by calling in some of its loans and not making additional ones. In 1933, the number of bank failures (23)…a peak, forcing the federal government to intervene and (24)… the banks temporarily (暂时地). To help restore the public's confidence in banks and strengthen the banking community, Congress passed legislation setting (25)…the Federal Deposit Insurance Corporation. (26)…corporation, an agency of the federal government, now insures over 90 percent of all mutual (互相的) savings and commercial bank deposits for (27)…$ 100, 000 per deposit. The FDIC has (28)…its insurance fund by charging member institutions one-twelfth of 1 percent of their total deposits.

As a result of the protection (29)… by the FDIC and through other kinds of supervision (监管)，

bank failures have been reduced to a few isolated instances. When deposits are federally insured, people (30) …rush to withdraw their money if they (31)…the financial condition of their bank. The delay gives the banks the necessary time to adjust their cash credit balance, and this action helps to reduce the (32)…of bankruptcy(破产). For an example of the value of the FDIC, note that the failure in 1974 of the huge Franklin National Bank did not (33)…a panic, and that depositors lost no money as Franklin was taken over by another bank.

(19)

A．Although

B．Even if

C．If

D．Because

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