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更多“4. Lending institutions act as…”相关的问题
听力原文：I have no money with me now．How about lending me 100 yuan？
(4)
A．Here you are.
B．It is here.
C．Yes, I would.
D．I've got some money.
What institution is the man work for？
A．A bank.
B．A research centre.
C．A financial institution.
D．A multinational corporation.
By“a nail-biter”(Line 4，Para．7)，the author suggests that_____.
A.it’s urgent for Librairies to cooperate with publishers
B.publishers have many secret experiments to conduct
C.it’s impossible for publishers to distribute e-books to libraries
D.many problems about e-book lending need to be solved
A.A=4
B.A=3
C.A=2
D.A=1
A.A=6
B.A=2
C.A=3
D.A=4
(Paragraph 2) By quoting AlfredD.Chandler "Thus came into being, a new economic institution, the managerial business enterprises, and a new subspecies of economic man, the salaried manager", the author seems to believe that the typical Business of the Century depended on a single person, not on a group of people.
A．Y
B．N
C．NG
The bank (56) borrowers enough interest to pay the expense of the bank and have something left over for (57) . The interest cannot be higher than the legal rate, which is established by state law and in most states is 6% per year. (58) big loans, the interest rate is much less, even as low as 2%. The rate depends on the money market, when there is plenty of money (59) to be borrowed, banks charge low rates of interest. A savings bank may pay its depositors 2% and lend the money at 3.5% or 4%. But when money is tight, interest rates go up, and a savings bank may try to (60) depositors by offering 4% or 4.5% or even more and lending the money at 5% or 6%.
(41)
A．receives
B．gets
C．charges
D．pays
When anyone opens a current account at a bank, he is lending the bank money. He may (1)_____ the repayment of the money at any time, either (2)_____ cash or by drawing a check in favor of another person. (3)_____, the banker-customer relationship is that of debtor and creditor who is (4)_____ depending on whether the customer's account is (5)_____ credit or is overdrawn. But, in (6)_____ to that basically simple concept, the bank and its customer (7)_____ a large number of obligations to one another. Many of these obligations can give (8)_____ to problems and complications but a bank customer, unlike, say, a buyer of goods, cannot complain that the law is (9)_____ against him.
The bank must (10)_____ its customer's instructions, and not those of anyone else. (11)_____, for example, a customer opens an account, he instructs the bank to debit his account only in (12)_____ of checks drawn by himself. He gives the bank (13)_____ of his signature, and there is a very firm rule that the bank has no right or (14)_____ to pay out a customer's money (15)_____ a check on which its customer's signature has been (16)_____ It makes no difference that the forgery may have been a very (17)_____ one: the bank must recognize its customer's signature. For this reason there is no (18)_____ to the customer in the practice, (19)_____ by banks, of printing the customer's name on his checks. If this (20)_____ Forgery, it is the bank that will lose, not the customer.
A．acquire
B．deposit
C．demand
D．derive
FACE-OFF
KEEP IT IN THE BANK
Treasury officials want to increase the amount of capital that banks are required to hold in reserve. Sounds like a good idea, but will it squeeze lending and actually slow the economic recovery？ Here follow the perspectives of two experts:
RICHARD BOVE, (a famous bank analyst at Rochdale Securities): Yes. Capital reserves are higher than they've been since 1936. That wasn't the problem last year; it was that banks had to write down assets at distressed prices. The government is sending contradictory signals here, telling banks to increase lending and increase capital at the same time. You can't do both, so of course lending is going to tighten if you mandate higher capital reserves.
DOUG ELLIOTT, (a fellow at the Brooklings Institution): No. My research shows that if the minimum equity capital requirements were raised by 4 percent, the prices of a loan might go up only 0. 2 percent. That's negligible compared with the stability benefits of better-capitalized banks. The cost of capital is usually only a fifth of the total cost of a loan, and banks have several levers to pull besides loan price to deal with the need for more capital.
OUR VERDICT: The smart way to do this is to link the amount of capital banks have to hold in reserve to the amount of risk they take. The riskier they are, the more capital they need. Changes likely won't take place until 2011, so banks will have plenty time to prepare.
What is the main problem raised by the host in the commentary？
A．Whether Mr. Bove and Mr. Elliott's views are correct
B．Whether it is good to lift up the amount of capital reserves
C．The deep reason for Mr. Bove and Mr. Eliott to hold different opinions
D．How to accelerate the economic recovery
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