The banks of many years ago showed interest only in ________.A) regular visitorsB)
The banks of many years ago showed interest only in ________.
A) regular visitors
B) rich customers
C) friendly businessmen
D) elderly gentlemen
The banks of many years ago showed interest only in ________.
A) regular visitors
B) rich customers
C) friendly businessmen
D) elderly gentlemen
One of our main argument is that we in Western countries actually 【M1】______
have a part to play in causing the problems of the Third World. Many Third
World countries are saddle by immense debt burdens, for example. They 【M2】______
lent money at low interest rates in the 1970s, when money flooded into 【M3】______
Western banks from the oil-producing countries and was lent out to the
Third World. The interest rates have then been risen dramatically. So you 【M4】______
have a situation where a country in many cases can' t even repay the interest
, let alone the capital, on the debt. And I suppose the best example
from that I' ye come across is a country, in West Africa where the consumption 【M5】______
, the local consumption of peanuts was banned, because peanuts, if
they' re imported can bring in a great deal of foreign income. The peanut 【M6】______
is a major source of protein in this country. So you had people go hungry as 【M7】______
a result of that. The peanuts were exported to Great Britain and the United
States to feed our cattle. Those cattle then produced a surplus of milk
which we don't know what to do with. We have enough milk, more milk
than we can cope with, in the West World. And also that milk was trans- 【M8】______
formed into dried milk powder and then taken back to this country to help
feed children who were suffering from malnutrition. So that's the kind of insanely 【M9】______
【M1】
A) the outer appearance of bank buildings
B) unfriendliness of customers toward banks
C) economic pressure of the time
D) the attitude of hankers
听力原文: Many people dislike walking into the bank standing in long lines and running out of checks. They're dissatisfied with the bank's limited hours too. They want to do some banking at night and on weekends. For such people, their problems may soon be over. Before long, they may be able to do their banking from the comfort of their own home any hour of the day, any day of the week. Many banks preparing online branches or internet offices, which means that people will be able to take care of much of their banking business through their home computers. This process is called interactive banking. On these online branches, customers will be able to view all their accounts, move money between their cards. Customers will also be able to pay their bills electronically and even email questions to the bank. Banks are creating online services for several reasons. One reason is that banks must compete for customers who will switch to another bank if they are dissatisfied with the service they receive. The convenience of online banking appeals to the kind of customer banks most want to keep, that is people who are young, welleducated and bare good incomes, Banks also want to take advantage of modem technology since they have moved into the 21st century.
(37)
A.Their business hours are limited.
B.Their safety measures are inadequate.
C.Their banking procedures am complicated.
D.They don't have enough service windows.
A. Owing a bank more than a home is worth.
B. The housing price is too high for people to buy.
C. There are so many people owing banks" money.
D. The financial crisis sustains in America.
The restrictive laws that the courts are interpreting are mainly a legacy of the bank failures of the 1930s. The current high rate -- higher than at any time since the Great Depression -- has made legislators afraid to remove the restrictions. While legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets. In trying to escape from these restrictions, banks are taking enormous, and what should be unnecessary, risks. For example, would a large bank be buying small, failed savings banks at inflated prices if federal law and states' regulations permitted that bank to expand through the acquisition of financially healthy banks in the region7 Of course not. The solution is clear American banks will be sounder when they are not geographically limited. The House of Representative's banking committee has shown part of the way forward by recommending common-sensible, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form. counterweights to the big money-center banks. Without this breathing space the big money-legislation should be regarded as only a way station on the road towards a complete examination of American's suitable banking legislation.
The author’s attitude towards the current banking laws is best described as one of _______.
A.concerned dissatisfaction
B.tolerant disapproval
C.uncaring indifference
D.great admiration
The restrictive laws that the courts are interpreting are mainly a legacy(遗赠物) of the bank failures of the 1930's. The current high rate of bank failure--higher than at any time since the Great Depression--has made legislators 'afraid to remove the restrictions. While their legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets.
In trying to escape from these restrictions, banks are taking enormous, and what should be unnecessary, risks. For instance, would a large bank be buying small, failed savings banks at inflated prices if federal law and states regulations permitted that bank to explain instead through the acquisition of financially healthy banks in the region? Of coupe not. The solution is clear. American banks will be sounder when they are not geographically limited.
The house of Representative's banking committee has shown part of the way forward by recommending common-sensible, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form. counterweights to the big moneycenter banks. Without this breathing space the big money-center banks might soon extend across the country to develop. But any such legislation should be regarded as only a way station on the road towards a complete examination of American's suitable banking legislation.
The restrictive banking laws of the 130's are still on the book because______.
A.the bank failures of the 1930's were caused by restrictive courts
B.banking has not changed during the past 50 years
C.legislators believe banking problems similar to those of the Depression still exist today
D.the banking system is too restrictive, but no alternatives have been suggested
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.
听力原文: A house is the most expensive thing most people will ever buy. Very few people have enough money of their own to buy a home, so they have to borrow money from a bank. Borrowing money from a bank to buy a house is called taking a mortgage. The hank usually lends money or gives a mortgage for 25 years. This means that the person who borrows has 25 years to pay back the money. The bank lends this money with interest, and the borrower makes equal monthly payments to the hank until he has paid the mortgage. 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, sometimes it is necessary to go to a few banks, before applying for a mortgage at once. The bank will investigate your financial history and decide if they think you axe a good risk. They will want to know what kind of job you have. In addition, the banks will require a down payment. Depending on 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 cannot save enough money for the down payment.
(30)
A.It means to rent a house for 25 years.
B.It means to buy an old house at a low price.
C.It means to borrow money from a bank to buy a house.
D.It means to borrow money from a friend to buy a house.
Much unfriendly feeling towards computers has based on the fear of widespread unemployment resulting from their introduction. Computers are often used as part of automated production systems required a least possible number of operators, causing the loss 【M1】______
of many jobs.This has been happened, for example, in many steelworks. 【M2】______
On the other hand, computers does create jobs. They are more skilled and better 【M3】______
paid, though less in number than those they replaced. Many 【M4】______
activities can not continue in their present form. without computers, no matter how 【M5】______
many people are employed. Examples is the check clearing(票据交换) 【M6】______
system of major banks and the weather forecasting system. When a firm
introduces computers, few people are usually employed in key posts (such as jobs 【M7】______
of operation managers)while other staff is retrained as operators, programmers, data 【M8】______
preparation staff. After the new system have settled down, people in non-computer 【M9】______
jobs are not always replaced.
When they leave, resulting to a decrease in the number of employees. 【M10】______
This decrease is sometimes balanced by a substantial increase in the activity of the firm, resulting from the introduction of computers.
【M1】
B.withholding client information
C.being mysterious to the outsiders
D.attracting wealthy foreign clients
According to the passage,the widely-held belief that Switzerland was irresistible to wealthy for-eigners was__________by banks themselves.A.denied
B.criticized
C.reviewed
D.defended
In the last paragraph,the writer thinks that________.A.complete changes had been introduced into Swiss banks
B.Swiss banks could no long keep client information
C.changes in the bank policies had been somewhat superficial
D.more changes need to be considered and made
Swiss banks are tightening its banking rules by________.A.examining the origin of foreign funds before going into accounts
B.preventing doubtful accounts from going into the bank
C.refusal of funds from crimes or tax evasions
D.all of the above
The purpose of the pact signed with the Swiss National Bank was__________.A.to attract more wealthy foreigners to the bank
B.to stop improper use of the banking secrecy laws of the country
C.to increase the numbered accounts of the Swiss Banks
D.to add mystery to Swiss Banks
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