听力原文：M: Do you know some forms of bank advances?W: There are three forms: overdrafts, personal loans and mortgages.Q: Which of the following is not a form. of bank advances?(13)A．Overdrafts.B．Mortgages.C．Personal loans.D．Letter of credit.

听力原文：M: Accounting controls refer to plans, procedures and records required for safeguarding assets and producing reliable financial accounts.

W: Yes. Accounting controls are important elements of a bank's internal control system, the soundness of which is vital for bank's survival.

Q: What are the important elements of a bank's internal control system?

(15)

A．Accounting basis.

B．Cash basis accounting.

C．Accounting control.

D．The chart of accounts of a bank.

听力原文：M: We haven't set up correspondent relations with Standard Chartered Bank, London.

W: Then we shall try to find another bank to have our letter or credit advised.

Q: What do we learn from the conversation?

(18)

A．Standard Chartered Bank, London is one of our correspondent banks.

B．We can advise this L/C through Standard Chartered Bank, London.

C．We will send the advice of the L/C directly to the beneficiary.

D．Ａnother bank will be chosen as the advising bank of this L/Ｃ.

听力原文：M: What margins will the lending bank charge?

W: Margins mainly depend on these factors: evaluation of credit risk, maturity of credit, and the starting point from which onwards the rate of interest shall be firm.

Q: How many factors do margins charged by the lending bank mainly depend on?

(12)

A．Four.

B．Two.

C．Three.

D．Five.

听力原文：M: Would you please tell me what I should do to have funds transferred to me here from London?

W: The fastest way is by telegraphic transfer from your bank in London to us.

Q: What does the man want to do?

(20)

A．He wants to withdraw some pounds.

B．He wants to transfer some money to London.

C．He wants to know how to transfer money from London to him.

D．He wants to exchange some pounds for yen.

听力原文：M: Good morning! This is a demand draft for one thousand American dollars. May I have it discounted here?

W: Sorry, immediate encashment of a foreign bill is not allowed. You may entrust it to us for collection. But it takes time.

Q: What should the man do if he wants to get the payment of the draft?

(18)

A．He has to show the clerk his passport.

B．He has to entrust the draft for collection to the bank.

C．He has to fill in some forms.

D．He has to endorse the draft.

What will happen if there is one commercial bank and no thrifts in a small town?

A．The residents will deposit their money with the bank.

B．The local bank will provide business loans to the commercial bank.

C．Some large banks will transport money by check to the bank.

D．People in the area will not deposit money with the bank.

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.

听力原文：M: If a bank has inadequate liquidity, what would happen?

W: In this case, it cannot obtain sufficient funds, either by increasing liabilities or by converting assets promptly. Thus, insufficient liquidity can lead to the insolvency of a bank.

Q: What would lead to a bank's insolvency?

(14)

A．Adequate liquidity.

B．Insufficient liquidity.

C．Increasing liabilities.

D．Converting assets.

听力原文：W: I wish to cash this cheque from U. S. A. , but the man in the next window told me to bring it here.

M: Oh, yes. This is a personal cheque. We wouldn't be able to cash it for you until the proceeds are collected from the paying bank.

Q: What does the man mean?

(16)

A．The woman can't get cash before the proceeds are collected.

B．There is something wrong with the proceeds.

C．The woman will be paid directly by the paying bank.

D．The personal cheque can't be encashed over the counter.

听力原文：M: I want to cash this check for my mother, but the teller told me to bring it here.

W: Yes, Sir. That's an out-of-town personal check. We wouldn't be able to cash it for you until the proceeds are collected from the paying bank.

Q: How will the bank deal with the man's check?

(18)

A．The bank will cash the check immediately.

B．The bank will issue a new bank account and deposit the money for him.

C．The bank will cash it for him until the proceeds are collected from the paying bank.

D．The bank will endorse the check before payment.

听力原文：M: The rate on a personal loan is fixed according to the base rate at the time when the loan is made.

W: But it is always higher than the base rate, isn't it?

Q: What is determined when a personal loan is made?

(14)

A．Rate on the personal loan.

B．Base rate of the bank.

C．The amount of payment.

D．Personal loan's time period.

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

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.

听力原文：M: I don't know why the man there said he couldn't pay my cheque.

W: Let me see. Yes. You draw your cheque in lead-pencil. It is not recognized in the bank. You should draw it in ink.

Q: What is the woman's suggestion?

(16)

A．Returning the cheque.

B．Drawing the cheque in ink.

C．Drawing the cheque in lead-pencil.

D．Going to the paying bank.

听力原文： Banker's acceptances are a very old form. of commercial credit. They provide, in essence, a method whereby a bank may add its good name and reputation to bills of a borrower, thereby making the bills much more marketable than it would otherwise be. Specifically, the mechanics of the operation typically, work like the following. Suppose that an American exporter sells wheat to a German importer. The terms of the sale are that the German importer will pay for the wheat ninety days after it is shipped. For a variety of reasons, however, the American firm may want its money now, and not want to wait the ninety days. If so, it may issue a draft on its bank ordering the bank to pay a stipulated sum of money to the holder of the draft ninety days from now. Along with the draft, the American exporter will send the appropriate documents showing that the wheat has actually been shipped. When the bank receives the draft, together, with the documentation, it stamps "accepted" across the face of it.

27. What are banker's acceptances?

28.Who is the drawee of the draft mentioned in the passage?

29.What should be attached to the draft when it is presented for acceptance?

30.How does the bank accept the draft?

(27)

A．They are drafts issued by a bank on another bank.

B．They are a very old form. of commercial credit.

C．They are exchange bills discounted by customers.

D．They are checks cashed through the ATMs.

听力原文：M: I've lost my credit card issued by your bank. What should I do, please?

W: I am sorry for that. But you have to go to that counter over there for the card business.

Q: Why does the customer come to the bank?

(15)

A．He got a credit card of his friend and come to ask how to use it.

B．He got a card and did not know whose card it is.

C．He has lost his credit card and come to ask what to do.

D．He has found a credit card and come to ask what to do.

听力原文：The encashing bank forwards the cheque to the drawer's bank for payment and reimbursement.

(5)

A．The paying bank sends the check to the remitting bank for repayment.

B．The remitting bank sends the check to the paying bank for repayment.

C．The collecting bank sends the check to the remitting bank for repayment.

D．The remitting bank sends the check to the collecting bank for repayment.

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.

听力原文：If a remitting bank fails to take proper care in the outward collection, the exporter will soon transfer his account to one which does.

(7)

A．If a remitting bank cannot take proper care in collection, the exporter will do it himself.

B．If a remitting bank cannot fulfill its obligation in collection, the exporter will claim indemnify for it.

C．If a remitting bank cannot take proper care in collection, it will lose a customer.

D．If a remitting bank cannot fulfill its obligation in collection, it will cause loss to the exporter.

听力原文：M: Do you provide investment service?

W: Yes. We are a commercial bank. We help customers with the purchase and sales of securities.

Q: What does the man want to do?

(13)

A．He will provide investment service.

B．He will help the customers.

C．He will join the commercial bank.

D．He will purchase or sell securities.

听力原文：M: Most banks tend to decline loan proposals which are highly speculative.

W: I think because the banks expect the loan to generate sufficient profit and positive cash-flow for themselves and for the clients.

Q: What will the banks usually do to the highly speculative loan proposals?

(15)

A．The banks will disapprove them.

B．The banks will approve them.

C．The Bank will benefit from the loans.

D．The bank will make profit from lending.

听力原文： When a savings account is opened in a bank, the depositor must sign a deposit agreement. By signing agreement, the depositor agrees to abide by the rules and regulations of the bank. At this time, a passbook may be given to the depositor. This is a small book in which the bank teller enters the date and amount of each deposit or withdrawal and initials the entry. The passbook is to be presented at the bank or mailed to the bank along with a deposit or withdrawal slip each time money is deposited or withdrawn from the account. An alternative practice for depositing or withdrawing money from a savings account is to give the depositor a small register for recording deposits and withdrawals and a pad of deposit withdrawal rotors. This procedure eliminates the use of the passbook.

24. What is the purpose of signing a deposit agreement?

25.What does a depositor do with a passbook?

26.What is the aim of a small register and a pad of deposit withdrawal forms?

(24)

A．To follow the bank's rules and regulations.

B．To have the right to make full use of the bank's facilities.

C．To open an account in the bank.

D．To protect the depositor's interest.

听力原文：If you lose your bank notes, the chance for you to get them back is not high.

(10)

A．If you lose your bank notes, you will not get them back.

B．If you lose your bank notes, you will get compensation.

C．If you lose your bank notes, you can get them back soon.

D．If you lose your bank notes, most probably, you will not get them back.

听力原文：M: Bank of China. May I help you?

W: Yes, please. I'd like to get some information about discounting a bill of exchange.

Q: What does the customer want to do.?

(17)

A．To withdraw some money.

B．To exchange some foreign currencies.

C．To discount some bills.

D．To cash some traveler's checks.