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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.

题目

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.


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更多“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. ”相关问题
  • 第1题:

    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.


    正确答案:D
    解析:对话中明确指出银行预付款有三种形式:透支,抵押和个人贷款,D项“信用证”没有提及。

  • 第2题:

    听力原文:M: Could you tell me what specific document you will provide?

    W: Together with the draft, we'll also send you a complete set of bills of lading, an invoice, an export license, an insurance policy, a certificate of origin, and a certificate of inspection.

    Q: What document the woman did not mention?

    (14)

    A.Bills of lading.

    B.Consular invoice.

    C.Insurance policy.

    D.Certificate of origin.


    正确答案:B
    解析:录音原文中只提到了an invoice,并没有提到consular invoice,所以B选项是文中没有提到的。

  • 第3题:

    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.


    正确答案:D
    解析:当男士问对方是否提供投资服务时,女士回答道:"We help customers with the purchase and sales of securities."可知D项正确。

  • 第4题:

    What is the safer and more normal method for the importer's bank to effect the settlement?

    A.To issue a banker's draft.

    B.To arrange for payment by mail transfer.

    C.To make the payment to its correspondent bank.

    D.To ask the importer to pay the money on his dollar account.


    正确答案:B
    解析:文中提到The British importer can then send…the British bank to arrange for payment by mail transfer.相对较为安全的方法是邮汇。

  • 第5题:

    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.


    正确答案:C
    解析:根据女士回答,她是想获得一些关于汇票贴现方面的信息,可见她是想将汇票贴现。

  • 第6题:

    Now the air in our city is _______ than it used to be. Something must be done to stop it.

    A.very good B.much better C.rather bad D.even worse


    正确答案:D

  • 第7题:

    Which is not one of the things researched by a bank? __________

    A.How much money the borrower owns
    B.What salary the borrower makes
    C.What kind of job the borrower has
    D.What kind of house the borrower lives in

    答案:D
    解析:
    题干询问的是银行查询的内容,集中在文章第二段,可以用对比排除的方法得出答案。A、B、C三项文章都有提及,剩下的D项即为正确答案。

  • 第8题:

    T/T is a quicker method of payment than a banker’s demand draft.

    A

    B



  • 第9题:

    One of Company.com’s Linux partitions is experiencing excessive paging. They want to provide more memory to the partition to resolve this problem. What is the best method to add the memory?()

    • A、Add an additional virtual swap device to the partition.
    • B、Use DLPAR to dynamically add the required memory to the partition.
    • C、Shut down the partition and redefine its profile with additional memory.
    • D、Change Partition Load Manager parameters to provide the partition with additional memory shares.

    正确答案:C

  • 第10题:

    单选题
    请阅读Passage 2,完成第26~30小题。Passage 2“There is one and only one social responsibility of business,”wrote Milton Friedman, a Nobel prize-winning economist,“That is, to use its resources and engage in activities designed to increase its profits.”But even if you accept Friedman's premise and regard corporate social responsibility(CSR) policies as a waste of shareholders' money, things may not be absolutely clear-cut.New research suggests that CSR may create monetary value for companies-at least when they are prosecuted for corruption.The largest firms in America and Britain together spend more than $15 billion a year on CSR, according to an estimate by EPG, a consulting firm.This could add value to their businesses in three ways.First, consumers may take CSR spending as a“signal”that a company's products are of high quality.Second, customers may be willing to buy a company's products as an indirect way to donate to the good causes it helps.And third, through a more diffuse“halo effect,” whereby its good deeds earn it greater consideration from consumers and others.Previous studies on CSR have had trouble differentiating these effects because consumers can be affected by all three.A recent study attempts to separate them by looking at bribery prosecutions under America's Foreign Corrupt Practices Act(FCPA).It argues that since prosecutors do not consume a company's products as part of their investigations, they could be influenced only by the halo effect.The study found that, among prosecuted firms, those with the most comprehensive CSR programmes tended to get more lenient penalties.Their analysis ruled out the possibility that it was firms' political influence, rather than their CSR stand, that accounted for the leniency: Companies that contributed more to political campaigns did not receive lower fines.In all, the study concludes that whereas prosecutors should only evaluate a case based on its merits, they do seem to be influenced by a company's record in CSR.“We estimate that either eliminating a substantial labour-rights concern, such as child labour, or increasing corporate giving by about 20% results in fines that generally are 40% lower than the typical punishment for bribing foreign officials,” says one researcher.Researchers admit that their study does not answer the question of how much businesses ought to spend on CSR.Nor does it reveal how much companies are banking on the halo effect, rather than the other possible benefits, when they decide their do-gooding policies.But at least they have demonstrated that when companies get into trouble with the law, evidence of good character can win them a less costly punishment.The author views Milton Friedman's statement about CSR with ____ .
    A

    tolerance

    B

    skepticism

    C

    uncertainty

    D

    approval


    正确答案: A
    解析:

  • 第11题:

    单选题
    One of Company.com’s Linux partitions is experiencing excessive paging. They want to provide more memory to the partition to resolve this problem. What is the best method to add the memory?()
    A

    Add an additional virtual swap device to the partition.

    B

    Use DLPAR to dynamically add the required memory to the partition.

    C

    Shut down the partition and redefine its profile with additional memory.

    D

    Change Partition Load Manager parameters to provide the partition with additional memory shares.


    正确答案: B
    解析: 暂无解析

  • 第12题:

    问答题
    Practice 4  The other kind of bank—the Bank of the United States was simultaneously a commercial bank and a quasi-public central bank. The First Bank of the United States, chartered by the Congress in 1791, owed its existence to Alexander Hamilton who, shortly after becoming Secretary of the Treasury, showed remarkable insight into the financial problems of the young country and the economic implications of banking. The First Bank of the United States operated much like a private bank. But unlike a regular commercial bank, it had the federal government as a partner and number one customer. The Bank served as the fiscal agent for the government, holding government tax receipts, paying government bills, performing various financial housekeeping tasks. In return, the government kept its cash as deposits with the First Bank of the United States, giving it a huge financial base. The First Bank’s federal charter, moreover, allowed it to operate branches in all states, giving it a big competitive edge over regular state-chartered banks, which could operate only in the states that chartered them. Gradually the First Bank of the United States evolved into a sort of banker’s bank, gaining the power to police lesser commercial banks.

    正确答案: 【参考译文】
    另外一种银行为美利坚银行,它既是商业银行又是准公共性质的中央银行。1791年,美利坚第一银行经国会特许成立,它的成立应归功于亚历山大·汉密尔顿。他就任财政部长后不久就对新生的美国面临的财政问题以及银行业的经济意义显示出极强的洞察力。美利坚第一银行在运作上很像是一家私人银行。与通常的商业银行不同的是,它拥有联邦政府为其合伙人和头号客户。它充当了联邦政府的财政代理:为政府保管税收收入、替政府办理账单支付以及为政府执行各种金融保管任务等。作为回报,政府将现金存入美利坚第一银行,从而使该银行有了巨大的金融基础。由于美利坚第一银行经联邦特许可在各州设立分行,而由各州特许成立的普通银行只能在其州内经营,所以相比之下,美利坚第一银行有很大的竞争优势。美利坚第一银行因而逐渐演化为某种“银行家的银行”,把握着监督较小的商业银行的权力。
    解析: 暂无解析

  • 第13题:

    The reason why the market for large CDs has been active since 1961 may be that the yield is usually higher than Treasury bills.

    A.Right

    B.Wrong

    C.Doesn't say


    正确答案:A
    解析:文章最后一段提到The yield on 3-month CDs is usually higher than 3-month Treasury bills…This may explain the extent of the spread。

  • 第14题:

    Mr Green is ___ looks.

    A.not so old as he

    B.not as old as I

    C.more old than he

    D.much old than he


    正确答案:A

  • 第15题:

    If you are staying in the UK for more than 6 months, it may be useful to open a UK bank account. There are a lot of advantages of having a UK current (checking) account:

    Paying bills

    Many landlords prefer to collect rent directly from a bank account.

    You may be able to obtain cheaper services if you pay bills directly from a bank account,e. g. telephone, gas/water/electricity.

    If you are given a chequebook, you can also write cheques as a safe way of paying for things.

    Cash

    You can easily obtain money from cash machines,or pay directly from your account using a debit card(借记卡).

    Saving money

    It is generally cheaper to use a UK account than it is to pay by credit card(信用卡)or withdraw (提取) cash from a foreign bank.

    Employment

    If you work in the UK,some employers require you to have a bank account so that you can get your pay.

    Advantages of UK Current Account

    Paying bills: 1) to pay rent directly from ①

    2) to obtain ② services

    3) to pay for things with cheques safely

    Cash:1)to obtain money from ③ easily

    21 to pay directly from your account

    Saving money:cheaper to use a ④ account

    Employment:to get your ⑤ through a bank account


    答案:①bank account②cheaper③cash machines④UK⑤pay

  • 第16题:

    The bills ______ to more than $1000, which greatly exceeded our budget.

    A. added up

    B. went on

    C. broke down

    D. got off


    参考答案:B

  • 第17题:

    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.


    正确答案:B
    解析:男士问对方,除了递交提单外还得递交哪些单据。女士的回答是"a sight draft", "an insurance policy", and "a collection order", 即即期汇票、保险单及托收委托书,由此可推知答案为B。

  • 第18题:

    “There is one and only one social responsibility of business,”wrote Milton Friedman,a Nobel prize-winning economist“That is,to use its resources and engage in activities designed to increase its profits.”But even if you accept Fiedman’s premise and regard corporate social responsibility(CSR)policies as a waste of shareholders money,things may not be absolutely clear-cut.New research suggests that CSR may create monetary value for companies–at least when they are prosecuted for corruption.The largest firms is America and Britain together spend more than$15 billion a year on CSR,according to an estimate by EPG,a consulting firm,This could add value to their businesses in three ways.First,consumers may take CSR spending as a“signal”that a company’s products are of high quality.Second,customers may be willing to buy a company’s products as an indirect way to donate to the good causes is helps.And third,through a more diffuse“halo effect,”whereby its good deeds earn it greater consideration from consumers and others.Previous studies on CSR have had trouble differentiating these effects because consumers can be affected by all three.A recent study attempts to separate them by looking at bribery prosecutions under America’s Foreign Corrupt Practices Act(FCPA).It argues that since prosecutors do not consume a company's products as part of their investigations,they could be influenced only by the halo effect.The study found that,among prosecuted firms,those with the most comprehensiveCSR programmes tendedto getmore lenient penalties.Their analysis ruled out the possibility that it was firms'political influence,rather than their CSR stand,that accounted for the leniency:Companies that contributed more to political campaigns did not receive lower fines.In all,the study concludes that whereas prosecutors should only evaluate a case based on its merits,they do seen to influenced by a company’s record in CSR."We estimate that either eliminating a substantial labour-rights concern,such as child labour,or increasing corporate giving by about 20%results in fines that generally are 40%lower than the typical punishment for bribing foreign officials,"says one researcher.Researchers admit that their study does not answer the question of how much businesses ought to spend on CSR.Nor does it reveal how much companies are banking on the halo effect,rather than the other possible benefits,when they decide their do-gooding policies.But at least have demonstrated that whencompanies get into trouble with the law,evidence of good character can win In all,the study concludes that whereas prosecutors should only evaluate a case based on its merits,they do seen to influenced by a company’s record in CSR."We estimate that either eliminating a substantial labour-rights concern,such as child labour,or increasing corporate giving by about 20%results in fines that generally are 40%lower than the typical punishment for bribing foreign officials,"says one researcher.Researchers admit that their study does not answer the question of how much businesses ought to spend on CSR.Nor does it reveal how much companies are banking on the halo effect,rather than the other possible benefits,when they decide their do-gooding policies.But at least have demonstrated that whencompanies get into trouble with the law,evidence of good character can win them a less costly punishment.
    Theexpression"more lenient"(Line 2,Para.4)is closestin meaning to.

    A.more effective.
    B.less controversial.
    C.less severe.
    D.more lasting.

    答案:D
    解析:
    词义题。根据题干回文定位到第四段第一句。通过该段第二句的描述可以得知CSR和政治影响是对立的两个因素。而第二句冒号后面交代,参与政治活动较多的公司不会受到较低的罚款。这就意味着,反而具有全面的CSR项目的公司受到的罚款比较低。因此,结合选项可以推出第一句话中的more lenient penalties指less severe,即不那么严重的(宽大)的惩罚。因此正确答案为D。其次,结合文章中心也可以推出这道题的答案。首段最后一句指出,CSR可以帮助公司带来金钱的价值(monetary value),特别是

  • 第19题:

    资料:Some companies are more creative in their use of history than others. HSBC’s History Wall, a striking art installation at the bank’s London headquarters, is made up of 3,743 images drawn from the bank’s archives and arranged in chronological order.
    Even this is dwarfed by Coca Cola, the American classics. In May, Coca Cola opened a new corporate museum in Atlanta, which is expected to pull in more than 1 million visitors annually, Attractions include the first Coke cans to go into space, a functioning botting line and a tasting lounge.
    The benefits of knowing your corporate history can be very practical. Companies often use their history as inspiration for new products. Disney constantly mines its archives of old films. Carmakers have overhauled old designs for the modern era: Volkswagen’s New Beetle is an obvious example.
    But the bigger payoff tends to be less tangible — that of forging stronger bonds with customers and employees. Age can by itself confer a sense of trustworthiness, brewers and banks are fond of flaunting(炫耀) their deep roots. Jim Gilmore, co-author of “Authenticity”, argues that history is also vital in giving companies a genuine sense of personality. Ritz-Carlton’s use of cobalt-blue glasses in its hotel dining rooms can be traced back to Boston in the 1920s, for example, where window glass that had been imported from Europe and turned blue in the New England air was a symbol of wealth. Rather than commissioning dusty biographies to mark anniversaries, Mr. Gilmore believes that firms should search the archives for inspiring stories of this kind.
    Younger companies can use history, too. Before giving up their old jobs, the founders of Innocent, a British drinks firm formed in 1998,sold an initial batch of smoothies from a market stall in London. They asked customers to put their empty bottles into one of two labeled bins to indicate whether they should focus on their new venture or stick to their day jobs. The rest, as they say, is history. The firm now uses the story to illustrate its folksy image.

    According to the first paragraph, what does the example of HSBC show?

    A.The bank has greater power than other banks.
    B.The bank contributes a lot to the development of London.
    C.The bank uses its history more creatively.
    D.The bank has a different business model than other firms.

    答案:C
    解析:
    本题考查的是细节理解和同义转换。
    【关键词】first paragraph;HSBC
    【主题句】第1自然段 Some companies are more creative in their use of history than others.HSBC's History Wall, a striking art installation at the bank's London headquarters,is made up of 3,743 images drawn from the bank's archives and arranged in chronological order. 有些公司在利用历史上比其他公司更有创造力。汇丰银行的历史墙是该行伦敦总部的一处引人注目的艺术景观,它由从该行的档案中提取的3743张图片按时间顺序排列组成。
    【解析】本题的问题是“根据第一自然段,汇丰银行的例子说明了什么?”。根据主题句可知,汇丰银行的例子是用来说明有些公司在利用历史上比其他公司更有创造力,故选C。

  • 第20题:

    翻译:The charterer shall indemnify the Owners against all consequences or liabilities that mayarise from the signing of bills of lading as presented to the extent that the terms or contents of such bills of lading impose or results in the imposition of more onerous liabilities upon the Owners than those assured by the Owners under this charter party


    正确答案:如果签发的提单的条款和内容加重了船东在本租约下的责任和义务,则承租人应保证船东免除在加重的限度内由于该提单所产生的一切后果和责任

  • 第21题:

    问答题
    Credit cards enable their holders to obtain goods and services on credit. They are issued by retail stores, banks, credit card companies to approved clients. The bank or credit card company settles the client’s bills, invoicing him monthly and charging interest on any outstanding debts. Their profit comes from the high rate of interest charged, the card holder’s subscriptions, and the fees paid by some organizations that accept cards.

    正确答案:
    信用卡能使持卡人通过赊账的方式购买商品、得到服务。信用卡由零售商店、银行和信用卡公司发放给经过批准的客户。银行或信用卡公司结清客户的账单,按月给客户开列其消费清单,收取欠款的利息。这些金融机构的利润来自所收取的高额利息、持卡人支付的认购费以及接受信用卡消费的单位所交纳的代理费。
    解析: 暂无解析

  • 第22题:

    单选题
    请阅读Passage 2,完成第26~30小题。Passage 2“There is one and only one social responsibility of business,”wrote Milton Friedman, a Nobel prize-winning economist,“That is, to use its resources and engage in activities designed to increase its profits.”But even if you accept Friedman's premise and regard corporate social responsibility(CSR) policies as a waste of shareholders' money, things may not be absolutely clear-cut.New research suggests that CSR may create monetary value for companies-at least when they are prosecuted for corruption.The largest firms in America and Britain together spend more than $15 billion a year on CSR, according to an estimate by EPG, a consulting firm.This could add value to their businesses in three ways.First, consumers may take CSR spending as a“signal”that a company's products are of high quality.Second, customers may be willing to buy a company's products as an indirect way to donate to the good causes it helps.And third, through a more diffuse“halo effect,” whereby its good deeds earn it greater consideration from consumers and others.Previous studies on CSR have had trouble differentiating these effects because consumers can be affected by all three.A recent study attempts to separate them by looking at bribery prosecutions under America's Foreign Corrupt Practices Act(FCPA).It argues that since prosecutors do not consume a company's products as part of their investigations, they could be influenced only by the halo effect.The study found that, among prosecuted firms, those with the most comprehensive CSR programmes tended to get more lenient penalties.Their analysis ruled out the possibility that it was firms' political influence, rather than their CSR stand, that accounted for the leniency: Companies that contributed more to political campaigns did not receive lower fines.In all, the study concludes that whereas prosecutors should only evaluate a case based on its merits, they do seem to be influenced by a company's record in CSR.“We estimate that either eliminating a substantial labour-rights concern, such as child labour, or increasing corporate giving by about 20% results in fines that generally are 40% lower than the typical punishment for bribing foreign officials,” says one researcher.Researchers admit that their study does not answer the question of how much businesses ought to spend on CSR.Nor does it reveal how much companies are banking on the halo effect, rather than the other possible benefits, when they decide their do-gooding policies.But at least they have demonstrated that when companies get into trouble with the law, evidence of good character can win them a less costly punishment.The expression“more lenient”is closest in meaning to ____ .
    A

    more effective

    B

    less controversial

    C

    less severe

    D

    more lasting


    正确答案: A
    解析:

  • 第23题:

    问答题
    翻译:The charterer shall indemnify the Owners against all consequences or liabilities that mayarise from the signing of bills of lading as presented to the extent that the terms or contents of such bills of lading impose or results in the imposition of more onerous liabilities upon the Owners than those assured by the Owners under this charter party

    正确答案: 如果签发的提单的条款和内容加重了船东在本租约下的责任和义务,则承租人应保证船东免除在加重的限度内由于该提单所产生的一切后果和责任
    解析: 暂无解析