单选题
Directions: In this section, you will hear ten short conversations. At the end of each conversation, a question will be asked about what was said. The conversation and question will be spoken only once. During the pause, you must read the four choices marked A, B, C, D, and decide which is the best answer. Then mark the corresponding letter on the ANSWER SHEET with a single line through the center.

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.

【正确答案】 D

【答案解析】[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? 当向银行借款签订合同时，应该规定利率、还款日期、定期付款的数额及利息等等，对话中没有提及D项“规定经济担保人”。

A、 At the exchange desk.
B、 On the board.
C、 On the desk.
D、 On the notebook.

【正确答案】 A

【答案解析】[听力原文] W: What is the rate of exchange? M: Sorry, I'm not sure. You will have to ask at the exchange desk. He can give you the exchange rate. Q: Where can he find the exchange rate? 当女士问到汇率是多少时，男士的回答是"You will have to ask at the exchange desk"，由此可知选项A正确。

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

【答案解析】[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? 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。

A、 Adequate liquidity.
B、 Insufficient liquidity.
C、 Increasing liabilities.
D、 Converting assets.

【正确答案】 B

【答案解析】[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? 从女士的回答“insufficient liquidity can lead to the insolvency of a bank”，可知资金流动不足可导致银行破产。

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.

【正确答案】 A

【答案解析】[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? 根据男士的话可知银行对投机性高的贷款申请的态度是“decline”，即“拒绝”，A项正确。