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Electronic banking has radically changed the way customers can do banking.Before e-ba

nking, if you wanted to check an account balance, you physically had to go to the bank branch.Now there are many banking methods available.A TMs have become.very useful, because they allow you to check balances, make deposit, withdraw funds and transfer money.Telephone banking enables you to conduct electronic funds transfer, check balances and pay bills.Mobile banking functions nearly the same as telephone banking, except that information is carried by Short Message Service.Online banking on the other hand provides you with many more services.They include changing account details like address, and password, arranging bill payments, viewing transactions and transferring money between accounts.It is important to protect your personal information when banking online.You should clear your cookies after each banking session, and make sure that your password is long enough to prevent it from being easily hacked.

26.People used to check their account balance at/by().

A.banks

B.ATMs

C.online banking

27.Which seems to have most functions()

A.ATM

B.telephone bankmg

C.online banking

28.Which of the following is NOT true in the passage()

A.Online banking password should be as short as possible.

B.E-banking is very convenient and time--savmg.

C.You can take out money at A TMs.

29.It is important to protect your when banking online().

A.account

B.address

C.password

30.The passage is mainly about().

A.how to be safe in online banking

B.what types the e-banking includes and the basic function for each type

C.how to change a customer's personal information in a bank

答案

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发布时间：2022-09-30

更多“Electronic banking has radically changed the way customers can do banking.Before e-ba”相关的问题

第1题

What global electronic banking services can business customers obtain from banks？

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第2题

E-statement Frequently Asked Questions What are E-statements？ E-statements, or elect

ronic statements, replace your paper statements. They include all the same information your paper statement does. The difference is that E-statements are available to you as a file so that you can download, save or print your statement at your convenience. Once you sign up for the service, you will no longer receive your statement in the mail. How do I begin receiving TB E-statements？ If you are a Trailmont Bank Online Banking customer, simply login to online banking and click the "E-statement" button at the top of the Accounts page. If you are not a Trailmont Bank Online Banking customer, you will need to sign up for Trailmont Bank Online Banking first. Online Banking will allow you to access your account records at any time. TB Online Banking is a free service that allows you to review your account history, make payments on your loans and transfer funds between accounts. To enroll in online banking: Go online to www.tbonlinebanking.com. Click the blue "Sign-Up" button at the top of the Online Banking page. Please take a moment to read the Online Banking Access Agreement. Then click on "Agree" to continue the enrollment process. Enter your information in the boxes provided. Click "Continue" at the bottom of the page. A "Thank You" message will appear, confirming that your enrollment request has been submitted. Within one business day, you will receive an email from our Online Banking Department. The email will contain login information and credentials.

For whom is the information intended？

A．The bank executive

B．The current customers of a bank

C．The customer service representatives of a bank

D．The manager at a bank branch

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第3题

It can be inferred from the passage that ______.A．many restrictions in banking operation h

It can be inferred from the passage that ______.

A．many restrictions in banking operation have been cancelled

B．the ruling of removing the restriction can make the banks plan their future freely

C．the ruling of removing the restriction can't be applicable to all banks

D．the old restrictions will be helpful to set up a powerful domestic base

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第4题

Comparing with UCP 500, the major changes introduced by the UCP 600 include（). A. the banks now h

Comparing with UCP 500, the major changes introduced by the UCP 600 include( ).

A. the banks now have a maximum of five banking days for the examination of documents

B. the banks now have a maximum of seven banking days for the examination of documents

C. Bs/L may now allow transshipment

D. Bs/L may not allow transshipment

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第5题

Correspondent banking faces a problem of definition. Five years ago the business was preoc

cupied with electronic funds transfer. The spread of Swift's messaging network and the developing of the equally efficient clearing systems promised to elevate the medium through which banks communicate and fitted the traditional concept of correspondent banks talking to each other.

By streamlining this function, however, the nature of the business changed and the importance of nurturing interbank relationships dwindled in the eyes of some correspondent bankers. Technology tends to lead to concentration, because the customer has gone to the bank that is bigger and faster, and can handle more volume, explains Ian Cormack, who heads Citicorp's financial institutions group in London and sits on the council of the clearing system in the UK.

Moving or receiving money has always been at the heart of interbank activity. Lawrence Grand, international banking director at Barclays, makes the fundamental point that correspondent banking will always exist in a world where banks have to talk to other banks to conduct money transmissions. This view is shared at Manufacturers Hanover, where Joseph Long-aberdi, a banking vice president and senior representative, believes funds transfer business is still the major product over which correspondent banks wage battle.

But while the need to balance interbank accounts remains a core function of the business, the complexion of the funds passing through the payments system has altered dramatically. The rise and rise of financial activity has displaced trade - related flows, particularly in the period after Big Bang, until today around 90 per cent of the business consists of financial transactions, estimates Mr. Cormack.

Volumes continue to rise significantly in the major clearing centres, largely feeding off growth in securities processing and foreign exchange. The value of dollar - dominated transactions passing through New York's clearing house inter - bank payments system (Chips) increased by 23.7 percent last year to a daily average of $ 526 billion, equivalent to 126 840 transactions a day, and compared with $ 425 billion and 113 758 transactions in 1986.

In London's sterling market the value of daily transactions passing through the clearing house automated payments system (Chaps) climbed by 28.5 percent in the year ending March 1988 to ￡45 billion, or 23 441 transactions a day, compared with ￡3 billion and 20 958 in the previous months.

Keeping pace with growth has not been easy, particularly for the banks which for reasons of size, cost and strategy have been confined to a marginal role in the business. Commitment to the technological infrastructure is vital. Five years ago Manufacturers Hanover had 75 million invested in a worldwide telecommunications network. Anyone who baulked at such an investment five years ago would find it difficult to enter the market today.

Read this article and decide which of the following headlines it originally had.

A．Technology threatens correspondent banking.

B．Correspondent banking remains traditional.

C．Correspondent banking- technology demonstrates its worth.

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第6题

Combating Financial CybercrimeThere is a growing financial and economic threat, a threat t

Combating Financial Cybercrime

There is a growing financial and economic threat, a threat to all countries, posed by international hacking attacks on computer systems. Apart from global oil, energy, petrochemical and retail companies, electronic banking systems have been one of the main ______【51】of such cyber attacks.

Recently, the FBI investigated a series of______【52】in which the E -banking accounts of some small and medium - sized enterprises had been breached by cyber attacks and had their______【53】transferred. Morgan Stanley, the famous New York based bank, also experienced a cyber attack on its network.

Obviously, under such circumstances, cross -border cybercrime falls into a similar category as climate change, drug and people trafficking and IPR protection, in that, countries need to work together to______【54】this common and growing threat. Countries should be ready to make joint efforts and cooperate on legal enforcement to enhance cyber-security.

To ensure the fund______【55】of customers, the banking sector must further strengthen its Internet banking business______【56】and constantly raise the level of cyber-security so that it can repel cyber attacks. More importantly, banks should regularly ______【57】their customers with risk-warning information and strictly review the procedures of account -transfer and other financial transactions.

Some______【58】of cybercrimes have even been telephoned and informed they were suspected of being involved in money laundering cases, in order to prove their ______【59】, they were required to open a new account on an Internet banking system and transfer their deposits into the new______【60】, or to transfer their money to a designated account set up by the criminals.

Many banks frequently inform. customers never to give away their______【61】regardless of any messages they may get. The banking sector should further strengthen customer awareness about cybercrime prevention.

As technology has rapidly developed, the Internet is entering a______【62】of cyber - politics and cyber-espionage, and even "cyber-warfare". Portraying Internet freedom as an important strategic "asset" for politics, the US is planning to invest billions of dollars this year to help network users access websites blocked by some countries. But Internet freedom does not mean that anything can and should be revealed. There should be a proper balance between Internet freedom and oversight. Freedom is not absolute. Proper Internet management can protect citizens______【63】cybercrimes.

Combating cybercrimes is a common task for all governments. It is good news that there was a discussion on cyber-security in Deauville, France, during the G8 meeting. French President Nicolas Sarkozy told the leaders of Facebook, Google and other technology companies to support greater rule of law on the Web in such a way that______【64】would not be harmed. Also, the US and UK proposed new schemes to force Internet companies to block websites that facilitate online piracy.

The prevention of cybercrime is no easy task. This is a whole new field______【65】needs consistently evolving, long-term global collaboration.

(51)

A．blocks

B．targets

C．demands

D．courses

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第7题

听力原文： Could you tell me where the talk on International Banking is going to take place

？ It says in the programme that it's in Room 121 but I've just been up there and it's empty. I hope it hasn't been cancelled.

？You will hear another five short recordings. Each speaker is talk about his job.

？For each recording, decide who the speaker is.

？Write on letter (A—H) next to the number of the recordings.

？Do not use any letter more than once.

？After you have listend once, replay each recording.

A waiter

B conference delegate

C builder

D bank manager

E hotel receptionist

F security guard

G telephone engineer

H secretary

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第8题

One hundred and thirteen million Americans have at least one bank-issued credit card. They

give their owners automatic credit in stores, restaurants, and hotels, at home, across the country, and even abroad, and they make many banking services available as well' More and more of these credit cards can be read automatically, making it possible to withdraw or deposit money in scattered locations, whether or not the local branch bank is open. For many of us the"cashless society"is not on the horizon- it's already here.

While computers offer these conveniences to consumers, they have many advantages for sellers too. Electronic cash registers can do much more than simply ring up sales. They can keep a wide range of records, including who sold what, when, and to whom. This information allows businessmen to keep track of their list of goods by showing which items are being sold and how fast they are moving. Decisions to reorder or return goods to suppliers can then be made. At the same time these computers record which hours are busiest and which employees are the most efficient, allowing personnel and staffing assignments to be made accordingly. And they also identify preferred customer for promotional campaigns. Computers are relied on by manufacturers for similar reasons. Computer analyzed marketing reports can help to decide which products to emphasize now, which to develop for the future, and which to drop. Computers keep track of goods in stock, of raw materials on hand, and even of the production process itself.

Numerous other commercial enterprises, from theaters to magazine publishers, from gas and electric utilities to milk processors, bring better and more efficient services to consumers through the use of computers.

According to the passage, the credit card enables its owner to ______.

A．withdraw as much money from the bank as he wishes

B．obtain more convenient services than order people do

C．enjoy greater trust from the storekeeper

D．cash money where he wishes to

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第9题

BUSINESS SERVICESA Translation servicesB Maps and plans - paper and other mediaC Multimedi

BUSINESS SERVICES

A Translation services

B Maps and plans - paper and other media

C Multimedia - electronic publishing

D Music publishing - CDs, audio and video cassettes

E Plastic cards - credit cards, ID cards, etc.

F Business publishing - corporate brochures, documents, etc.

G Design of promotional stickers, labels and signs

H Technical publishing - product manuals, etc.

Foresight, a manufacturer of audio equipment, is launching a new range of CD players and needs accompanying instruction booklets.

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第10题

Futurists love computers. After all,40 years ago electronic digital computers didn't exist

; today microchips as tiny as a baby's fingernail are making all sorts of tasks faster and easier. Surely the future holds still more miracles.

Some of the computer experiments now going on inspire exciting visions of the future. For example, scientists are working on devices that can electronically perform. some sight and hearing functions, which could make life easier for the blind and deaf. They're also working on artificial arms and legs that respond to the electric impulses produced by the human brain. Scientists hope that some day a person who's lost an arm could still have near-normal brain control over an artificial arm.

Video games, computerized special effects in movies, and real-life training machines now being used by the US Army are causing some people to predict new educational uses for computers. Computers could some day be used to simulate travel to other planets, to explore the ocean floor, or to look inside an atom.

Experiments with electronic banking and shopping inspire predictions that these activities will soon be done from home computer terminals. Cars, too, might be equipped with computers to help drivers find their way around (Honda has one in an experimental car) or to communicate with home and office computers. Many people, including handicapped workers with limited ability to move around, already are working at home using computer terminals. Each terminal is connected to a system at a company's main office. Some futurists say the day may come when few people will have to leave home to go to work -- they'll just turn on a terminal

A growing number of factories such as the General Motors Plant in Newark, Delaware, "hire" computerized robots to perform. tasks such as spot welding. Some executives get a gleam in their eyes as they envision the spread of these "perfect workers" -- no coffee breaks, no strikes, and no vacations or sick days.

These modern and potential computer uses are possible because of the silicon microchip.

These chips, which have become increasingly complex since their beginning in 1959, contain a network of information pathways. Electronic impulses travel along the paths. The plans for a chip look much like a city street plan and can be as large as a football field. It can take as long as three months to complete a new chip design. Chips are used to store information, too. An entire "computer" can be put onto one chip -- called a microprocessor.

As chips become even more complex, easier to make, and less costly, futurists predict limitless possibilities. A group of Japanese scientists is working on a new generation of computers, which they hope will be able to understand vocal instructions, talk back to their users, and automatically try out alternate solutions to a problem to come up with the best answer.

Some people say that the humans of the future will never be without their companion -- computers. Predicting the future can be tricky, of course. In 1948 an IBM study predicted that there would never be enough demand for computers to justify going into the business!

What is the purpose of the passage？

A．To tell the readers what computers will look like in the future.

B．To show the close relations between man and computers.

C．To tell the readers how important silicon microchips are.

D．To talk about the possible future uses of computers.

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第11题

Effective Banking SupervisionEffective supervision of banking organisations is an essentia

Effective Banking Supervision

Effective supervision of banking organisations is an essential component of a strong economic environment in that the banking system plays a central role in making payments and mobilising and distributing savings. The task of supervision is to ensure that banks operate in a safe and sound manner and that they hold capital and reserves sufficient to support the risks that arise in their business. Strong and effective banking supervision provides a public good that may not be fully provided in the marketplace and, along with effective macro-economic policy, is critical to financial stability in any country. While thecost of banking supervision is indeed high, the cost of poor supervision has proved to be even higher.

Banking supervision should foster an efficient and competitive banking system that is responsive to the public's need for good-quality financial services at a reasonable cost. Generally, it should be recognised that there is a trade-off between the level of protection that supervision provides and the cost of financial intermediation. (9)

Supervision cannot, and should not, provide an assurance that banks will not fail. In a market economy, failures are a part of risk-taking. (10) Such matters cannot therefore always be entirely the responsibility of banking supervisors; however, supervisors should have in place adequate arrangements for resolving problem bank situations.

1. Providing sound and sustainable macro-economic policies are not within the competence of banking supervisors. Supervisors, however, will need to react if they perceive that existing policies are undermining the safety and soundness of the banking system. (11) Therefore, sound macro-economic policies must be the foundation of a stable financial system.

2．A well-developed public infrastructure needs to cover the following facilities, which, if not adequately provided, can significantly contribute to the destabilization of financial systems: A system of business laws including corporate, bankruptcy, conttact, consumer protection and private property laws; Comprehensive and well-defined accounting principles and rules that command wide international acceptance; A system of independent audits for companies of significant size.

3．Effective market discipline depends on an adequate flow of information to market participants, appropriate financial incentives to reward well-managed institutions and arrangements that ensure that investors are not insulated from the consequences of their decisions. (12)

4．Sufficiently flexible powers are necessary in order to effect an efficient resolution of problems in banks. (13) Where they are not, the prompt and orderly exit of institutions that are no longer able to meet supervisory requirements is a necessary part of an efficient financial system. Forbearance, whether or not the result of political pressure, normally leads to worsening problems and higher resolution costs.

5．Deciding on the appropriate level of systemic protection is by and large a policy question to be taken by the relevant authorities, particularly where it may result in a commitment of public funds. (14) In order to preserve the operational independence of supervisors, it is important to draw a clear distinction between this systemic protection role and day-to-day supervision of solvent institutions.

A In the absence of sound macro-economic policies, banking supervisors will be faced with a virtually impossible task.

B The way in which failures are handled, and their costs borne, is in large part a political matter involving decisions on whether, and the extent to which, public funds should be committed to supporting the banking system.

C Where problems are remediable, supervisors will normally seek to identify and implement solutions that fully address their concerns.

D Supervisors will also normally have a role to play because of their in-depth knowledge of the institutions involved.

E The lower the tolerance of risk to banks and the financial system, the more intrusive and costly supervision is likely to be, eventually having an adverse effect on innovation and resource allocation.

F Off-site monitoring can often identify potential problems, particularly in the interval between on-site inspections.

G While thecost of banking supervision is indeed high, the cost of poor supervision has proved to be even higher.

H Among the issues to be addressed are corporate governance and ensuring that accurate, meaningful, transparent and timely information is provided by borrowers to investors and creditors.

(9)

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