单选题
A. Business development loans. B. House improvement loans. C. Farm development loans. D. Overdrafts.
【正确答案】
D
【答案解析】[解析] 24-27 Some banks offer other types of loans repayable by monthly installments, such as business development loans, house improvement loans, and farm development loans. These may be either secured or unsecured. Secured loans attract a slightly lower rate of interest than unsecured loans. Some banks offer revolving credit schemes. These normally involve loans repayable by regular monthly installments, but they differ from other loans repayable by installments in two respects. First, the borrower need not take up the full amount of the loan at the outset. Secondly, as his repayments reduce his indebtedness, he can "top up" his loan by borrowing more, provided that the total debt outstanding does not exceed his agreed credit limit. In 1967 some banks introduced a new form of account called a "budget account". The object is to allow personal customers to spread the incidence of normal personal and household expenditure. 24. Which of the following loans is not repaid by installments?
录音原文一开始提到Some banks offer...and farm development loans. 一些银行推出其他种类按月分期还款的贷款，例如商业发展贷款、住房改善贷款和农业发展贷款。
单选题
A. Secured loans. B. Unsecured loans. C. Business development loans. D. House improvement loans.
【正确答案】
A
【答案解析】[解析] Which of the following loans would attract a lower rate of interest?
录音原文提到Secured loans attract a slightly lower rate of interest than unsecured loans. 抵押贷款获得比信用贷款更低的利率。
单选题
A. By taking up the full amount of the loan. B. By borrowing more. C. By stopping borrowing. D. By reducing his indebtedness.
【正确答案】
B
【答案解析】[解析] How does a borrower "top up" his loan?
录音原文提到Secondly, as his repayments reduce...exceed his agreed credit limit. 在借款人未清偿总债务没有超过事先商定好的信用额度前提下，由于还款减少了债务，他可以通过借入更多款项积累贷款额。
单选题
A. To allow personal customers to spread the incidence of normal personal and household expenditure. B. To make the payment of fuel bills, rates, season tickets. C. To pay ear insurance and school fees by installments. D. To transfer some amount by twelve equal monthly installments.
【正确答案】
A
【答案解析】[解析] What is the objective of introduction of the budget account?
录音原文提到In 1967 some banks introduced...household expenditure. 1967年，一些银行引入一种新的账户，名为预算账户。其目的在于扩大个人支出贷款和住房支出贷款的影响范围。