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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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发布时间：2019-09-17

更多“短文理解听力原文：A standby credit letter （SCL) is a contingent obligation of the letter's”相关的问题

第1题

短文理解听力原文：Dealers in government and private securities need short-term financing to

短文理解

听力原文： Dealers in government and private securities need short-term financing to purchase new securities and carry their existing portfolios of securities until those securities are sold to customers or reach maturity. Such loans are readily granted by many of the largest banks because of their high quality--often backed by pledging the dealer's holdings of government securities as collateral. Moreover, many loans to securities dealers are so short-overnight out to a few days that the bank can quickly recover its funds or make a new loan at a higher interest rate if the credit markets have tightened up.

21. Who need short-term financing according to the passage？

22.Why such loans are so high quality？

23.How long will the dealers keep such loans？

(21)

A．Dealers in foreign exchange.

B．Dealers in government bonds.

C．Dealers in IPO.

D．Dealers in government & private securities.

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第2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3题

短文理解听力原文：The Tokyo stock market responded calmly yesterday to the collapse of two

短文理解

听力原文： The Tokyo stock market responded calmly yesterday to the collapse of two Japanese financial institutions, with prices finishing higher on strength in high-tech issues. The US dollar fell back against the Japanese yen.

The dollar started higher in Tokyo amid concern about the collapse of the nation's largest credit union and Hyogo Bank, a regional bank based in Kobe. It reached 99.40 yen at one point, its highest level since 99.45 yen on February 8.

At late afternoon, the dollar was traded at 97.46 yen, down 1.32 yen from late Wednesday in Tokyo and also sharply below its overnight New York level of 99.01 yen. The US currency ranged in Tokyo between 96.82 yen and 99.40 yen. Meanwhile, share price rose as higher future prices and rising high-tech issues supported the whole market. Export-related high-tech stocks have gained significantly, supported by the stronger dollar.

21. How did the Tokyo stock market respond to the collapse of two Japanese financial institutions？

22.What was the price of the dollar against Japanese yen at late afternoon？

23.What kind of stocks has risen in the Tokyo stock market？

(21)

A．With little concern.

B．With calm.

C．With great interest.

D．With confusion.

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第4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5题

单句理解听力原文：Sight deposits can be withdrawn through cash dispensers or by cheque and

单句理解

听力原文：Sight deposits can be withdrawn through cash dispensers or by cheque and are often called current accounts.

(1)

A．Current accounts are greatly different from sight deposits.

B．Current accounts can be withdrawn through dispensers.

C．Current accounts can not be withdrawn through cheque.

D．Sight deposits can not be withdrawn through cheque.

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第6题

单句理解听力原文：Credit card holders can charge purchases to their credit card accounts, a

单句理解

听力原文：Credit card holders can charge purchases to their credit card accounts, and they receive monthly statements.

(1)

A．Credit card holders will state if they don't buy anything.

B．Credit card holders will receive their statements from the bank every month.

C．Credit card holders can charge purchases to their bank accounts.

D．Credit card holders have to make purchases every month.

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第7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8题

对话理解听力原文：W: What kind of monetary policy instruments may your bank use？M: They inc

对话理解

听力原文：W: What kind of monetary policy instruments may your bank use？

M: They include adjusting the base interest rate, regulating rediscounting and open market operations.

Q: Which of the following wasn't mentioned by the man as a monetary policy？

(11)

A．The minimum deposit reserve.

B．Adjusting the base interest rate.

C．Regulating rediscounting.

D．Open market operations.

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第9题

单句理解听力原文：Although CDs cannot be withdrawn, they can be marketed, that is sold, at

单句理解

听力原文：Although CDs cannot be withdrawn, they can be marketed, that is sold, at any time.

(1)

A．People can draw the money on CDs whenever they want.

B．People can sell their CDs in the money market whenever they want.

C．A CD is a demand deposit as opposed to a term security.

D．CDs don't have a specified maturity date.

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第10题

对话理解听力原文：M: The paper money required little effort to carry. If you need large amo

对话理解

听力原文：M: The paper money required little effort to carry. If you need large amount of money, you can use a check or credit card to make the payment.

W: This nature of money is called portability and it provides convenience in settling transactions.

Q: What does the word portability mean？

(11)

A．It means being convenient to be carried.

B．It means being readily to be divided.

C．It means being easily identified.

D．It means being carried in a big basket.

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