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[主观题]

听力原文：Other aspects of operational risk include major failure of information technology

systems or events such as major fires or other disasters.

(6)

A．Information technology system can cause operational risk.

B．A major fire can be a cause of operational risk.

C．The most important types of operational risk involve breakdowns in internal controls and corporate governance.

D．Other aspects of operational risk include firing its dealers, lending officers or other staff exceeding their authority or conducting business in an unethical or risky manner.

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发布时间：2020-07-17

更多“听力原文：Other aspects of operational risk include major failure of information technology”相关的问题

第1题

对话理解听力原文：W: I know there are some elements which will affect the investors' search

对话理解

听力原文：W: I know there are some elements which will affect the investors' searches for the highest possible returns. What are they？

M: Risk aversion, lack of time, lack of skill, and other mortal conditions.

Q: Which of the following doesn't belong to the elements which will constrain the investors' searches for the highest possible returns？

(11)

A．Risk aversion.

B．Lack of time.

C．Lack of skill.

D．Enough time.

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第2题

听力原文：M: Well, what other documents shall I hand in to your bank besides bills of ladin

g？

W: A sight draft, an insurance policy, and a collection order which contains instructions on collection operation to our bank.

Q: What are they talking about？？？

(18)

A．Presentation of bill of exchange for payment.

B．Documents required for a collection operation.

C．Application for a letter of credit.

D．What are contained in a collection order.

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第3题

对话理解听力原文：W: When I want to borrow money from a hank, what should I do？M: You shoul

对话理解

听力原文：W: When I want to borrow money from a hank, what should I do？

M: You should create a contract with the bank, stipulating the rate of interest, the repayment date, the amount and timing of any periodic cash interest payments, and other terms of the agreement.

Q: Which is not mentioned when creating a contract with the bank？

(11)

A．Stipulating the rate of interest.

B．Stipulating the repayment date.

C．Stipulating the amount and timing of any periodic cash interest payments.

D．Stipulating the financial sponsor.

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第4题

听力原文：M: I don't know how to convert the blank endorsement into a special endorsement？W

听力原文：M: I don't know how to convert the blank endorsement into a special endorsement？

W: You can just write above the endorser's signature a direction to pay the cheque to the order of himself or some other named person.

Q: What do you think the holder of the cheque will do next？

(18)

A．To rewrite his signature.

B．To make a special endorsement.

C．To order another person to pay the cheque.

D．To give an order to the bank to collect the cheque.

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第5题

听力原文：Some banks offer other types of loans repayable by monthly installments, such as

听力原文： Some banks offer other types of loans repayable by monthly installments, such as business development loans, house improvement loans, and farm development loans. These may be either secured or unsecured. Secured loans attract a slightly lower rate of interest than unsecured loans. Some banks offer revolving credit schemes. These normally involve loans repayable by regular monthly installments, but they differ from other loans repayable by installments in two respects. First, the borrower need not take up the full amount of the loan at the outset. Secondly, as his repayments reduce his indebtedness, he can "top up" his loan by borrowing more, provided that the total debt outstanding does not exceed his agreed credit limit. In 1967 some banks introduced a new form. of account called a "budget account". The object is to allow personal customers to spread the incidence of normal personal and household expenditure.

24. Which of the following loans is not repaid by installments？

25.Which of the following loans would attract a lower rate of interest？

26.How does a borrower "top up" his loan？

27.What is the objective of introduction of the budget account？

(24)

A．Business development loans.

B．House improvement loans.

C．Farm development loans.

D．Overdrafts.

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第6题

听力原文：Back-to-Back credits consist of two entirely separate documentary credits, but on

听力原文： Back-to-Back credits consist of two entirely separate documentary credits, but one credit may act as security for the other. They apply in transactions when actual suppliers and ultimate buyers deal through a middleman. If the supplier insists on a documentary credit, the middleman may apply to his bank for a credit on his behalf. If the middleman's bank is satisfied with his creditworthiness, the bank will issue the credit in the normal way and no other formalities will apply. However, the "back-to-back" credit comes into use if the bank insists that the middleman obtain a documentary credit in his favor from the ultimate buyer as security for the "back-to-back" credit in favor of the actual supplier. Only the middleman and his banker know the "back-to-back" credit, and only they are concerned with credit.

25. What do the back-to-back credits consist of？

26.In which situation do the back-to-back credits apply？

27.In whose favor is the back-to-back credit issued.？

(25)

A．It consists of one commercial credit and one standby credit.

B．It consists of two entirely separate documentary credits.

C．It consists of a credit and some commercial documents.

D．It consists of a bill of exchange and a bill of lading.

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第7题

短文理解听力原文：A standby credit letter （SCL) is a contingent obligation of the letter's

短文理解

听力原文： A standby credit letter (SCL) is a contingent obligation of the letter's issuer. The issuing bank agrees to guarantee the credit of its customer or to guarantee the fulfillment of a contract made by its customer with a third party. The issuing bank earns a fee from providing the service of SCL. In general, the fee is relatively low and usually around 0.5 percent to 1 percent of the amount of credit involved due to the following reasons. On the one hand, the issuing bank may have previously analyzed the financial condition of its standby credit customer, and the probability is low that the issuer of the credit guarantee will ever be called upon to pay. On the other hand, the issuing banks carry zero reserve requirements and avoid the booking of additional assets, which would also require each bank to acquire more capital.

21. Is SCL same as revocable letter of credit according to the passage？

22.What will the issuing bank do for a standby credit letter？

23.Why is the service fee of SCL relatively low？

(21)

A．almost the same one

B．rather different

C．a little different

D．doesn't mention

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第8题

短文理解听力原文：In the United States, even if you decide that you do not want to borrow i

短文理解

听力原文： In the United States, even if you decide that you do not want to borrow in order to go on vacation, it is still a good idea for you to have several major credit cards. These provide positive identification when renting an automobile and can be used for the deposit. The credit card receipts will serve as an accurate record of all hotel, plane, train, and restaurant expenses. The use of credit cards avoids the necessity of carrying large amount of cash, purchasing large amounts of traveler's cheeks and keeping track of them, or attempting to use personal checks in places other than your own locality.

Many major credit cards provide an instant cash service in case you run out of money. American Express, for example, has set up machines in major airports in which you can purchase traveler's checks using your American Express card.

21. The credit card receipts will serve as accurate record for all but which of the following choices？

22.Which of the following is not true about the use of credit card？

23.Concerning the advantages of credit cards, which of the following is true？

24.According to the passage, which card has set up machines in major airports？

(21)

A．hotel expenses

B．stock exchange

C．plane expenses

D．restaurant expenses

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第9题

听力原文：[*] A．B．C．D．