题目内容
（请给出正确答案）
Current deposits are money because they are ______.
A．legal tender.
B．fiat money.
C．token money.
D．a medium of exchange.
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单句理解
听力原文：The interest rates on these small deposits are usually floating rates, and they are usually 2%- 5% below the bank's current base rates.
(1)
A．Bank's current base rates are higher than those on small deposits.
B．Bank's current base rates are lower than those on small deposits.
C．Bank's current base rates are not floating rates.
D．Bank's current base rates are usually floating rates.
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听力原文：Sight deposits can be withdrawn through cash dispensers or by cheque and are often called current accounts.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B．Current accounts can be withdrawn through dispensers.
C．Current accounts can not be withdrawn through cheque.
D．Sight deposits can not be withdrawn through cheque.
A．It may furnish a valid account of ore-forming processes, and, hence, can support conceptual models that have great practical significance.
B．It suggests that certain geological formations, long believed to be mineralized, are in fact mineralized, thus confirming current conceptual models.
C．It suggests that there may not be enough similarity across Archean-age gold-quartz vein systems to warrant the formulation of conceptual models.
D．It corrects existing theories about the chemical halos of gold deposits, and thus provides a basis for correcting current conceptual models.
E．It suggests that simple prospecting methods still have a higher success rate in the discovery of gold deposits than do more modern methods.
图解分析确定这一消息对于当前美元/欧元汇率的影响。(Traders in asset markets suddenly learn that the interest rate on dollars will decline in the near future．Use the diagrammatic analysis of the chapter to determine the effect on the current dollar/euro exchange rate，assuming current Interest rates on dollar and euro deposits do not change．)
听力原文： A certificate of deposit (CD) is a time deposit with a bank. Time deposits may not be withdrawn on demand like a check account. CDs are generally issued by commercial banks but they can be bought through brokerages. They bear a specific maturity date that usually lasts from 3 months to 5 years, a specified interest rate, and can be issued in any denomination, very similar to bonds. CDs offer a slightly higher yield than T-Bills because of the slightly higher default risk for a bank, but overall the likeliness of a large bank going broke is pretty slim. Of course, the amount of interest you earn depends on a number of factors such as the current interest rate environment, how much money you invest, the length of time, and your specific bank.
24. What is a CD？
25.Which of the followings generally issue CDs？
26.How long does a specific maturity usually last？
27.Why do CDs pay higher return to investors than T-bills？
(24)
A．A term deposit that can be drawn at any time.
B．A time deposit with a bank.
C．A current deposit.
D．A cheek account.
M: Yes, that's true. But did you hear that they still have a last chance to save themselves？
W: No. How？
M: Well, from last year a few cities, including Marseille, Nantes, Paris and Calais, have introduced a new system to combat corruption. They opened a so called "anticorruption account."
W: What is the use of the account？
M: It is for officials who have received bribes. They may anonymously deposit money equivalent to the bribes they have accepted within a given time. The bribes may have been cash, presents or securities. Then they can get receipts that make them immune to a certain degree.
W: Does that mean their penalty may be reduced if they are found in the future to get involved in a bribery scandal？
M: Yes. With these receipts, the officials may be treated the same way as those who have rejected bribes.
W: I wonder how many officials have used this account.
M: Actually, the "anti-corruption account" in Nantes alone received deposits that totaled more than 400,000 francs after the local government issued an act stating that bribes should be deposited into the account within a given time.
W: Oh, really？ But I doubt whether it's a good practice.
M: In fact, many legal experts share your view. They think the practice lacks a legal basis and is not consistent with current criminal laws, or even in contradiction to the laws. They believe the practice shows the idea of "ruling society by men," and this idea conflicts with the more democratic concept of "ruling society by law."
W: Yes, I agree with them.
M: But still other experts are convinced that this is a very positive measure under the current circumstances of our country. Anyway, it provides a channel for the bribe takers to save themselves. And it can help create a positive atmosphere for the building of a clean government.
(23)
A．Those who want to deposit money.
B．Those who have illegal incomes.
C．Officials who have given others cash, presents or securities as bribes.
D．Government officials who have taken bribes.
Passage Four Questions 36 to 40 are based on the following passage.
This looks like the year that hard-pressed tenants in California will relief-not just in the marketplace, where tents have eased, but from the state capital Sacramento.
Two significant tenant reforms stand a good chance of passage. One bill, which will give more time to tenants being evicted (逐出), will soon be heading to the governor’s desk. The other, protecting security deposits, faces a vote in the Senate on Monday.
For more than a century, landlords in California have been able to force tenants out with only 30 days’ notice. That will now double under SB 1403, which got through the Assembly recently. The new protection will apply only to renters who have been in an apartment for at least a year.
Even 60 days in a tight housing market won’t be long enough for some families to find an apartment near where their kids go to school. But is will be an improvement in cities like San Jose, where renters rights groups charge that unscrupulous (不择手段的) landlords have kicked out tenants on short notice to put up tents.
The California Landlords Association argued that landlords shouldn’t have to wait 60 days to get rid of problem tenants. But the bill gained support when a Japanese real estate investor sent out 30-day eviction notices to 550 families renting homes in Sacramento and Santa Rosa. The landlords lobby eventually dropped its opposition and instead turned its forces against AB 2330, regarding security deposits.
Sponsored by Assemblywoman Carole Migden of San Francisco, the bill would establish a procedure and a timetable for tenants to get back security deposits.
Some landlords view security deposits as a free month’s rent, theirs for the taking. In most cases, though, there are honest disputes over damages-what constitutes ordinary wear and tear
AB 2330 would give a tenant the right to request a walk-through with the landlord and to make the repairs before moving out; reputable landlords already do this. It would increase the penalty for failing to return a deposit.
The original bill would have required the landlord to pay interest on the deposit. The landlords lobby protested that it would involve too much paperwork over too little money-less than $10 a year on a $1,000 deposit, at current rates. On Wednesday, the sponsor dropped the interest section to increase the chance of passage.
Even in its amended form, AB 2330 is, like SB 1403, vitally important for tenants and should be made state law.
36. We learn from the passage that SB 1403 will benefit ________.
A) long-term real estate investors
B) short-term tenants in Sacramento
C) landlords in the State of California
D) tenants renting a house over a year
A、Checkable deposits are usually the lowest cost source of bank funds.
B、Checkable deposits are the primary source of bank funds.
C、Checkable deposits are payable on demand.
D、Checkable deposits include NOW accounts.
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