单选题 Directions: In this section, you will hear
three short passages. At the end of each passage, you will hear some questions.
The passages and the questions will be spoken only once. After you hear a
question, you must choose the best answer from the four choices marked A, B, C
and D. Then mark the corresponding letter on the ANSWER SHEET with a single line
through the center. {{B}}Passage One{{/B}}
【正确答案】
D
【答案解析】[听力原文] 21-23
A standby credit letter (SCL) is a contingent obligation of the letter's issuer. The issuing bank agrees to guarantee the credit of its customer or to guarantee the fulfillment of a contract made by its customer with a third party. The issuing bank earns a fee from providing the service of SCL. In general, the fee is relatively low and usually around 0.5 percent to 1 percent of the amount of credit involved due to the following reasons. On the one hand, the issuing bank may have previously analyzed the financial condition of its standby credit customer, and the probability is low that the issuer of the credit guarantee will ever be called upon to pay. On the other hand, the issuing banks carry zero reserve requirements and avoid the booking of additional assets, which would also require each bank to acquire more capital.
21. Is SCL same as revocable letter of credit according to the passage?
录音原文第一段提到A standby credit letter (SCL) is…1etter's issuer．备用信用证对发卡行来说有不确定的责任。但并没有说备用信用证的功能和可撤销的信用证具有同样的功能。
【正确答案】
A
【答案解析】[听力原文]
What will the issuing bank do for a standby credit letter?
录音原文提到The issuing bank earns a fee from providing the service of SCL．发卡行从备用信用卡中获得服务费。
【正确答案】
B
【答案解析】[听力原文]
Why is the service fee of SCL relatively low?
银行所收取的备用信用证服务费低最主要原因是因为银行要吸引客户，从而获得更多的资金，A、C选项所表达的意思与文意相反，只有B选项符合题意。