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Steve Banks made personal contact with product users to discover what they wanted from his
software.
A．Right
B．Wrong
C．Doesn't say
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题目内容
（请给出正确答案）
A．Right
B．Wrong
C．Doesn't say
答案
更多“Steve Banks made personal contact with product users to discover what they wanted from his”相关的问题
第1题
In April, 'Washington Mutual raised its overdraft fee in most states to $ 34 from $ 32. Also this year, the bank increased the number of times a day that a customer can be hit with this fee, from five to seven 'Washington Mutual spokesman Gary Kishner says the bank raises fees partly due to " competitive factors". This year, (Bank of America raised the fee charged on the first day a customer overdraws to $ 25 from $ 20. The bank also raised the number of times a customer can be hit with this fees per day to seven from five. And it's told customers that most signature debit-card transactions will reduce their balances that same day and be subject to fees if there isn't enough money in the account. (Before, consumers often avoided this fee if they deposited money before a purchase cleared
Bank of America spokeswoman (Diane Wagner says the bank adjusts fees to "establish more uniform. pricing for our national franchise".
Which of the following factors does Gary Kishner cite as one of the main reasons behind the increase in overdraft charges？
A．Competitive factors
B．Too little money in customers' accounts
C．The weak economy
D．Debit-card transactions
第2题
How Do American Consumers Borrow ？
Young consumers often have not established their credit ratings. Many do not have steady incomes. They might have difficulty borrowing money from an agency in business to make loans. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have to have money available and be willing to lend it. You might even get an interest-free loan. However, a parent or relative who lends should receive the same interest as any other lender.
There are disadvantages in borrowing from parents or relatives. One is that they may not insist on you paying back the money by a certain time. As a result, you might let the loan drag on. This is especially true if you are not required to pay interest. This is not a way to develop good credit habits.
For most consumers, the cheapest place to borrow is at a commercial bank. Banks are a good source of installment loan which may run for 12 months or up to 30. Most banks also make single-payment loans to consumers for short periods--30,60 ,or 90 days.
The newest type of bank loan is one that a depositor can get simply by writing a check. It is usually called something like "ready credit" or "reserved checking." It works like this. A depositor is given a limited amount of credit, usually between ＄500 and ＄1,000. He or she may write checks up to the amount allowed. Once a check has been written, the amount of the check becomes a loan. Usually no charge is made for interest until the loan is made. A typical interest rate is 3 cents per ＄100 per day, or just under I percent a month. Suppose that you used ＄100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.
The advantage of borrowing from a bank is that banks generally charge lower rates than most other lenders. One reason is that banks have more strict credit requirements than most other lenders. A consumer must have a fairly good credit rating to get a bank loan.
According to the first paragraph, young people ______.
A．have difficulty borrowing from their parents or relatives
B．can't get an interest-free loan from their parents or relatives
C．always borrow money from an agency
D．usually borrow from their parents or relatives
第3题
【M1】
第4题
How Do American Consumers Borrow？
Young consumers often have not established their credit ratings. Many do not have steady incomes. They might have difficulty borrowing money from an agency in business to make loans. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have to have money available and be willing to lend it. You might even get an interest-free loan. However, a parent or relative who lends should receive the same interest as any other lender.
There are disadvantages in borrowing from parents or relatives. One is that they may not insist on you paying back the money by a certain time. As a result, you might let the loan drag on. This is especially true if you are not required to pay interest. This is not a way to develop good credit habits.
For most consumers, the cheapest place to borrow is at a commercial bank. Banks are a good source of installment loan which may run for 12 months or up to 30. Most banks also make single payment loans to consumers for short periods — 30, 60, or 90 days.
The newest type of bank loan is one that a depositor can get simply by writing a check. It is usually called something like "ready credit" or "reserved checking." It works like this. A depositor is given a limited amount of credit, usually between $ 500 and $1, 000. He or she may write checks up to the amount allowed. Once a check has been written, the amount of the check becomes a loan. Usually no charge is made for interest (利息) until the loan is made. A typical interest rate is 3 cents per $100 per day, or just under 1 percent a month. Suppose that you used $100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.
The advantage of borrowing from a bank is that banks generally charge lower rates than most other lenders. One reason is that banks have more strict credit requirements than most other lenders. A consumer must have a fairly good credit rating to get a bank loan.
Which of the following is NOT true？
A．The newest type of bank loan is simple to get.
B．Bank loans are more difficult to get.
C．Banks charge higher interest rates.
D．Banks offer loans to those having a fairly good credit rating.
第5题
How Do American Consumers Borrow？
Young consumers often have not established their credit ratings. Many do not have steady incomes. They might have difficulty borrowing money from an agency in business to make loans. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have to have money available and be willing to lend it. You might even get an interest-free loan. However, a parent or relative who lends should receive the same interest as any other lender.
There are disadvantages in borrowing from parents or relatives. One is that they may not insist on you paying back the money by a certain time. As a result, you might let the loan drag on. This is especially true if you are not required to pay interest. This is not a way to develop good credit habits.
For most consumers, the cheapest place to borrow is at a commercial bank. Banks are a good source of installment loan which may run for 12 months or up to 30. Most banks also make single-payment loans to consumers for short periods—30,60,or 90 days.
The newest type of bank loan is one that a depositor can get simply by writing a check. It is usually called something like "ready credit" or "reserved checking." It works like this. A depositor is given a limited amount of credit, usually between ＄500 and ＄1,000. He or she may write checks up to the amount allowed. Once a check has been written, the amount of the check becomes a loan. Usually no charge is made for interest until the loan is made. A typical interest rate is 3 cents per ＄100 per day, or just under 1 percent a month. Suppose that you used ＄100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.
The advantage of borrowing from a bank is that banks generally charge lower rates than most other lenders. One reason is that banks have more strict credit requirements than most other lenders. A consumer must have a fairly good credit rating to get a bank loan.
According to the first paragraph, young people ______.
A．have difficulty borrowing from their parents or relatives
B．can't get an interest-free loan from their parents or relatives
C．always borrow money from an agency
D．usually borrow from their parents or relatives
第6题
If an L/C calls for insurance cover per "Institute Cargo Clause All Risks", will
Banks accept "Institute Cargo Clause A" ？
(1)( ) True (2)( ) False
第7题
In Steve's opinion, what was the underlying management problem when he joined Carserve？
A．There was confusion about who gave orders.
B．Objectives were not made clear to staff.
C．Long-term planning was not carried out.
第9题
•For each question 13--18, mark one letter (A, B, C, or D) on your Answer Sheet for the answer you choose.
HOW DO AMERICAN CONSUMERS BORROW？
Young consumers often have not established their credit ratings. Many do not have steady incomes. They might have difficulty borrowing money from an agency in business to make loan. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have money available and be willing to lend it. You might even get an interest-free loan.
For most consumers the cheapest place to borrow is at the commercial bank. Banks are a good source of installment loan which may run for 12 months up to 30. Most of banks also make single-payment loans to consumers for short periods--30, 60, or 90 days. The newest type of bank loan is one that a depositor can get simply by writing a check. It works like this. A depositor is given a limited amount of credit, usually between $ 500 and $1, 000. He or she may write checks up to the amount allowed. Once a check has been written, the amount of the check becomes a loan. Usually no charge is made for interest until the loan is made. A typical interest rate is 3 cents per $100 per day, or just under 1% a month. Suppose that you used $100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.
There is another source of consumer loans that may be even cheaper than a bank. It is a credit union. But you have to be a member to borrow from one. A credit union is a cooperative. You remember that a cooperative is a business organized to provide its owners, or members, with goods or services at a saving. Like a bank, a credit union is both a savings and a lending organization. Its members deposit their savings in the credit union and are paid interest in return. These savings are used to make loans to members at low rates. Members of a credit union are people with a common bond. They may work for the same firm or belong to the same church, lodge, or labor union.
Consumer loans are small in amount compared to those made to business firms. Companies that specialize in making loans to consumers, therefore, are sometimes called small-loan companies. These companies operate under state laws which regulate both the maximum amount that can be loaned and the rates charged. Regulations vary from one state to another. In general, however, the rates charged by small-loan companies are higher than those of other legal lenders except pawnbrokers. The following facts should tell you why.
Half or more of the loans made by small-loan companies are signature of character loans. Practically all loans are paid in installments. In some states, small-loan companies will lend as little as $ 25 or $ 50. Many of their customers are persons whose credit ratings are so poor that they cannot borrow elsewhere.
Another possible source of loans is a life insurance policy. Life insurance loans are easy to obtain. The rate charged is less than that for almost any other type of loan available to consumers. This is because the lender takes no risk. Also, borrowers may take as long as they want to repay their loans. Although that may seem like an advantage, it can also be a disadvantage. When a borrower is not required to repay a loan within a certain time, it is easy to let it run on and on. This increases the dollar cost of the loan because interest must be paid for as long as the loan continues.
Why is it difficult for young consumers to borrow money from bank？
A．Because they have no steady work and can't register a credit card.
B．Because they drag out the loan.
C．Because they are unlikely to pay the things purchased by credit.
D．Because they are unwilling to pay interest.
第10题
A．war
B．election
C．argument
D．competition
