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[主观题]

risks, savings,financial,funds,deposits,heart,complex,subject,appear,repay,as,lose,reserve

risks, savings, financial, funds, deposits, heart, complex, subject, appear,

repay, as, lose, reserve, returns, balance

Banks are crucial to a country's economy; they serve as the center point of the exchange of money throughout the economy. They gather【1】from small and large depositors, make loans, run the payments system, and coordinate【2】transactions. In developing countries, they usually are the【3】of the financial market and in industrial countries with【4】financial markets they still have a role as primary providers of financial services.

It is difficult for the layman to know if a bank is financially solid. Banks may【5】more solid than they really are. A bank that has loaned money to a borrower who is unable to【6】may keep the bad loan on its【7】sheet us long as possible, though the loan might never be paid back. Moreover, bank【8】are also somewhat precarious. A bank normally cannot refuse to accept deposits, but if, for whatever reason, its depositors【9】confidence in the bank's soundness, they may withdraw their【10】not only from that bank but also from other perfectly sound banks.

In seeking profits, banks lend on the basis of their customers' deposits, but not all deposits can be lent out. A certain share must be held in【11】. Competing institutions providing financial services are in a different situation since they are usually not【12】to reserve and prudential requirements. Firms selling equities do not promise fixed【13】and neither equities nor bonds are payable on demand,【14】are most bank deposits. Because of the pivotal role of banks and their vulnerability to unusual【15】, there seem to be good reasons to protect deposits through an appropriate insurance scheme and, in this way, to protect both the bank and the banking system.

(1)

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更多“risks, savings,financial,funds,deposits,heart,complex,subject,appear,repay,as,lose,reserve”相关的问题

第1题

This passage is mainly aboutA.corporate culture.B.corporate philanthropy.C.corporate finan

This passage is mainly about

A.corporate culture.

B.corporate philanthropy.

C.corporate financing.

D.corporate image.

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第2题

Nowadays, the chief concern of British universities is how to ______ their present finan c
ial difficulty.

A.undertake

B.tackle

C.engage

D.experience

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第3题

The difference among the four groups of children in the experiment is ______.A.their finan

The difference among the four groups of children in the experiment is ______.

A.their financial background

B.their individual personality

C.the teaching methods applied

D.their attitudes towards life

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第4题

What is the author's attitude toward a financial planner?A.It is necessary to have a finan

What is the author's attitude toward a financial planner?

A.It is necessary to have a financial planner.

B.There is no need to consult a professional financial planner.

C.Young couples must save as much money as possible.

D.It is a wise decision to invest in a more focused way.

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第5题

Why did the Americans agree to offer EU some technical help?A.EU promised to give US finan

Why did the Americans agree to offer EU some technical help?

A.EU promised to give US financial helps if US helps them technically.

B.EU's new system is not strong enough to compete with that of the US.

C.EU agreed to slightly change the signals of their satellite system.

D.EU promised to slow down the launching of their satellite system.

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第6题

Sharing Economic Losses Through InsuranceEach minute of the day or night, everyone faces a

Sharing Economic Losses Through Insurance

Each minute of the day or night, everyone faces a possible financial loss. A home may be destroyed by fire, damaged by lightning, or leveled by a tornado(龙卷风). Personal belongings may be stolen. A car may be damaged in an accident, or it may cause injury to people and property. Income may be lost as the result of the death, disability, or unemployment of a family wage earner. The chance that a loss of this kind may occur is called an economic risk.

Savings provide one way to take care of financial losses. But savings are not the answer to large losses. The best way to guard against large financial losses is through insurance.

Insurance Is a Plan for Sharing Risks and Losses

Ted Mather and four of his friends have a rock group called Quint. Each member of the group owns a valuable instrument. Ted's bass alone cost $900. If an instrument was stolen or damaged, it would be a serious financial loss for its owner.

Suppose, however, that the members of the group agree to share any losses that occur. For example, if Ted's bass is stolen, each member of the group would contribute $180 to replace it. In other words, they would share the loss. This is the principle of insurance. Persons facing the same risk share the losses that occur among them.

From an insurance standpoint, however, an informal agreement like that made by Quint would not provide much protection. Why? The reason is that all the instruments might be stolen or damaged at the same time. The group rehearses in the Mathers' garage and sometimes leaves their instruments there between rehearsals. They also travel together in a van when they perform. Suppose that a thief broke into the garage and stoic all the instruments. What if the garage caught fire? What if all instruments were damaged in an accident on the way to or from a concert? Each member of the group would have to pay one-fifth of the total loss. For some members, this might be more than the amount of their own actual loss.

The purpose of insurance is to provide protection against financial loss at a reasonable cost. This is possible only when the cost of insurance is shared by many people who face a similar risk. But not all of them are likely to have actual losses at the same time.

You Buy Insurance from Insurance Companies

Almost 4,800 companies in the United States are in the business of providing insurance protection. These businesses are called insurance companies. Because 57% percent of the insurance companies operate on a big scale, they provide a way for large numbers of people to share their losses.

When you buy insurance, you enter into a written agreement with the insurance company. This agreement is called a policy. The person who buys insurance is the policyholder. According to the agreement, the insurance company promises to pay the policyholder if certain types of losses occur. The policy states exactly what losses the company will pay for. For this protection, the policyholder makes regular payments to the insurance company. Each payment is called a premium(保险费). The premiums paid by all policyholders are used to pay those who have losses. In this way, a loss that might result in great financial hardship for one person or household is shared by many people. Because only a portion of those insured will actually have losses, premiums are small compared to the amount of protection provided.

Many Kinds of Risks Can Be Insured

Insurance can provide protection against almost any kind of loss. Singers may insure their voices. Photographers may insure their negatives(底片). The owner of a home freezer may in sure against food loss in case of power failure. A business owner can insure his or her place of business. A business owner can also insure against a loss of profits during a shutdown following a fire or damaging accident

A.Y

B.N

C.NG

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第7题

Why Integrity Matters What is Integrity? The key to integrity is consistency--not only se

Why Integrity Matters

What is Integrity?

The key to integrity is consistency--not only setting high personal standards for oneself (honesty, responsibility, respect for others, fairness) but also living up to those standards each day. One who has integrity is bound by and follows moral and ethical standards even when making life&39;s hard choices, choices which may be clouded by stress, pressure to succeed, or temptation.

What happens if we lie, cheat, steal, or violate other ethical standards? We feel disappointed in ourselves and ashamed. But a lapse of integrity also affects our relationships with others. Trust is essential in any important relationship, whether personal or professional. Who can trust someone who is dishonest or unfair? Thus, integrity must be one of our most important goals.

Risky Business

We are each responsible for our own decisions, even if the decision-making process has been undermined by stress or peer pressure. The real test of character is whether we can learn from our mistake, by understanding why we acted as we did, and then exploring ways to avoid similar problems in the future.

Making ethical decisions is a critical part of avoiding future problems. We must learn to recognize risks, because if we can&39;t see the risks we&39;re taking, we can&39;t make responsible choices. To identify risks, we need to know the rules and be aware of the facts. For example, one who doesn&39;t know the rules about plagiarism may accidentally use words or ideas without giving proper credit, or one who fails to keep careful research notes may unintentionally fail to quote and cite sources as required. But the fact that such a violation is "unintentional" does not excuse the misconduct. Ignorance is not a defense. "But Everybody Does It"

Most people who get in trouble do know the rules and facts, but manage to fool themselves about the risks they&39;re taking by using excuses: "Everyone else does it," "I&39;m not hurting anyone," or "I really need this grade." Excuses can get very elaborate: "I know I&39;m looking at another&39;s exam, even though I&39;m supposed to keep my eyes on my own paper, but that&39;s not cheating because I&39;m just checking my answers, not copying." We must be honest about our actions, and avoid excuses. If we fool ourselves into believing we&39;re not doing anything wrong, we can&39;t see the real choice we&39;re making--and that leads to bad decisions.

To avoid fooling yourself, watch out for excuses and try this test: Ask how you would feel if your actions were public, and anyone could be watching over your shoulder. Would you feel proud or ashamed of your actions? If you&39;d rather hide your actions, that&39;s a good indication that you&39;re taking a risk and rationalizing it to yourself.

Evaluating Risks

To decide whether a risk is worth taking, you must examine the consequences, in the future as well as right now, negative as well as positive, and to others as well as to yourself. Those who take risks they later regret usually focus on immediate benefits ("what&39;s in it for me"), and simply haven&39;t considered what might go wrong. The consequences of getting caught are serious, and may include a "0" on a test or assignment; an "F" in the class; suspension or dismissal from school; transcript. notation; and a tarnished reputation. In fact, when you break a rule or law, you lose control over your life, and give others the power to impose punishment: you have no control over what that punishment might be. This is an extremely precarious and vulnerable position. There may be some matters of life and death, or highest principle, which might justify such a risk, but there aren&39;t many things that fall in this category.

Getting Away With It--Or Not

Those who don&39;t get caught pay an even higher price. A cheater doesn&39;t learn from the test, depriving him/herself of an education. Cheating undermines confidence and independence: the cheater is a fraud, and knows that without dishonesty, he/she would have failed. Cheating destroys self-esteem and integrity, leaving the cheater ashamed, guilty, and afraid of getting caught. Worst of all, a cheater who doesn&39;t get caught the first time usually cheats again, not only because he/she is farther behind, but also because it seems "easier." This slippery slope of eroding ethics and bigger risks leads only to disaster. Eventually, the cheater gets caught, and the later he/she gets caught, the worse the consequences. Students have been dismissed from school because they didn&39;t get this simple message: Honesty is the ONLY policy that works. Cheating Hurts Others, Too Cheaters often feel invisible, as if their actions "don&39;t count" and don&39;t really hurt anyone. But individual choices have a profound cumulative effect. Cheating can spread like a disease, and a cheater can encourage others just by being seen from across the room. Recent statistics suggest 30% or more of college students cheat. If a class is graded on a curve, cheating hurts others&39; grades. Even if there is no curve, cheating "poisons" the classroom, and others may feel pressured to join in. ("If I don&39;t cheat, I can&39;t compete with those who do.") Cheating also has a destructive impact on teachers. The real reward of good teaching is seeing students learn, but ⑧.a cheater says, "I&39;m not interested in what you&39;re trying to teach; all I care about is stealing a grade, regardless of the effect on others." The end result is a blatant and destructive attack on the quality of your education. Finally, cheating can hurt the reputation of the University, and harm those who worked hard for their degree.

Why Integrity Matters

If cheating becomes the norm, then we are in big trouble. ⑨.We must rely on the honesty and good faith of others every day. If not, we couldn&39;t put money in the bank, buy food, clothing, or medicine from others, drive across a bridge, get on a plane, go to the dentist--the list is endless. There are many examples of the vast harm that is caused when individuals forget or ignore the effect their dishonesty can have. The savings and loan scandal, the stock market and junk bond swindles, and, of course, ⑩.Watergate, have undermined the faith of many Americans in the integrity of political and economic leaders and society as a whole. Such incidents take a tremendous toll on our nation&39;s economy and our individual well-being. For example, but for the savings and loan debacle, there might be funds available to reduce the national debt and pay for education.

In sum, we all have a common stake in our school, our community, and our society. Our actions do matter. It is essential that we act with integrity in order to build the kind of world in which we want to live.

A person of integrity not only sets high moral and ethical standards but also______.

A.sticks to them in their daily life

B.makes them known to others

C.understands their true values

D.sees that others also follow them

What role does integrity play in personal and professional relationships?

A.It helps to create team spirit.

B.It facilitates communication.

C.It is the basis of mutual trust.

D.It inspires mutual respect.

Why must we learn to identify the risks we are going to take?

A.To ensure we make responsible choices.

B.To avoid being overwhelmed by stress.

C.So that we don&39;t break any rules.

D.So that we don&39;t run into trouble.

Violation of a rule is misconduct even if______.

A.it has caused no harm

B.it is claimed to be unintentional

C.it has gone unnoticed

D.it is committed with good intentions

What should one do if he doesn&39;t wish to fool himself?

A.Avoid making excuses.

B.Listen to other people&39;s advice.

C.Make his intensions public.

D.Have others watch over his shoulder.

Those who take risks they regret later on______.

A.will often become more cautious

B.are usually very aggressive

C.value immediate benefits most

D.may lose everything in the end

According to the author, a cheater who doesn&39;t get caught right away will______.

A.pay more dearly

B.become more confident

C.be widely admired

D.feel somewhat lucky

Cheaters in exams don&39;t care about their education; all they care about is how to______

Integrity matters in that all social activities rely on people&39;s______.

Many Americans lost faith in the integrity of their political leaders as a result of______

请帮忙给出每个问题的正确答案和分析,谢谢!

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第8题

N. O. W. accounts are not available at savings banks.A.TrueB.False

N. O. W. accounts are not available at savings banks.

A.True

B.False

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第9题

A.It standardized daylight savings time.B.It established year-round daylight savings t

A.It standardized daylight savings time.

B.It established year-round daylight savings time.

C.It stopped daylight savings time.

D.It shortened daylight savings time.

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第10题

People using savings accounts can withdraw their savings whenever they like.A.RightB.Wrong

People using savings accounts can withdraw their savings whenever they like.

A.Right

B.Wrong

C.Doesn't say

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