填空题 {{B}} An auto loan{{/B}} John Baker works in the loan department of a bank in Denver, Colorado. He is a loan of- ricer. Stanley Fanelli has an appointment with him now to ask about a loan. He needs money to buy a new car. Mr. B: Hello, Mr. Fanelli. Please have a seat. What can I do for you today? Mr. F: I want to borrow some money to buy a car. A friend of mine, Jack Richardson, bought a new car last week. He told me that he got his loan here. Mr. B: Oh yes. I remember him. I was the loan officer who spoke with him. Mr. F: He said that you were very helpful. I know very little about loans and I hope you can explain things to me. Mr. B: I will certainly try. What questions did you have for me? Mr. F: First, I want to know if loans for buying cars are commercial loans or personal loans. Mr. B: Neither, Mr. Fanelli. They're auto loans. A commercial loan is principal that banks lend to businesses. Personal loans are made to individuals, but not for buying cars. Mr. F: What about interest rates? Mr. B: The rate of interest currently in effect on auto loans is 16%. Mr. F: For how long will I have to make monthly payments? Mr. B: The term of the loan is three years, so there will be 36 monthly payments. Mr. F: Do I have to give the bank any collateral? Mr. B: The car serves as collateral. If you default, the bank can take possession of the car. The bank also checks your credit file to make sure that you always paid back your loans in the past. Do you have any charge accounts? Mr. F: My wife and I bought our furniture with our charge card and we even used it to buy airplane tickets for our vacation in California last year. We paid off both those debts promptly. Mr. B: That's very good. I assume there will be no problem. But the first thing you have to do is fill out this loan application. Mr. F: Thank you very much. I'll start right now. State whether each statement is true or false based on the dialogue between John Baker and Stanley Fanelli.

填空题用下面的词汇填空 increase, engage, capital, protect, failures, fail, interests, efficiently, expensive, align, protect, insurance, defraud, losses, closes Bank managers and owners must not be given incentives to{{U}} (1) {{/U}}in behavior detrimental to the whole banking system. They must either run their banks{{U}} (2) {{/U}}or face failure. Deposit insurance is meant to{{U}} (3) {{/U}}the banking system, not poorly run banks. The fact is that bank{{U}} (4) {{/U}}are often self-inflicted by owners and managers who mismanage. Such losses can be reduced if the supervisor{{U}} (5) {{/U}}the bank before it fails totally, since delaying a bank closing or sale tends to increase{{U}} (6) {{/U}}and to spread them to the banking system as a whole. Even without deposit insurance, bank managers may pursue their own{{U}} (7) {{/U}}at the expense of the bank. But the problem gets worse with{{U}} (8) {{/U}}. Managers may indulge in such excesses as high salaries,{{U}} (9) {{/U}}buildings, and lavish furnishings. To combat this problem, managers could receive an "incentive-compatible contract" to{{U}} (10) {{/U}}their interests with those of the owners. When the hank is sound, managers can best{{U}} (11) {{/U}}their professional reputations by keeping it so. However, if a bank begins to{{U}} (12) {{/U}}and no proper incentive exists to protect its{{U}} (13) {{/U}}, managers may join owners in being prepared to gamble for recovery by making high-risk loans or to loot or{{U}} (14) {{/U}}the bank. At that point deposit insurance could{{U}} (15) {{/U}}their opportunities to do so.

填空题investigate, quantity, discount, negligence, replements, discrepancy, packing list, unsaleable, inferior, penalty clause, up to standard Complaints are often received by companies who ship consignments overseas. These complaints are sometimes about the (26) of goods received. Perhaps not enough goods were sent, perhaps too many. And sometimes it is a complaint that the wrong goods were sent. Often there are complaints about (27) packing, which can cause damage to the goods. Sometimes the complaint is about inferior quality. Buyers in this case often complain that the goods are not (28) There may be a (29) between the description of the goods in the brochure and the goods which actually arrived. A complaint may be about a delay in shipment, although companies often have a (30) in their contract to protect them against loss from delay. Complaints about damage are usually the business of insurance companies, but if the damage is caused by the (31) of the packers, then the insurance companies will not accept responsibility. When there is a complaint that the wrong goods were sent, or too many, or too few, then it is always necessary to check the (32) for the cases, as well as the invoice. Then the agent must (33) what happened. The goods may still be in the port of unloading. Bad, inferior or inadequate packing may cause damage to goods in transit. The buyers may accept damaged goods if the supplier offers a (34) , but if the goods arc badly damaged they may be (35) , and in this case the buyer will demand replacements.

填空题Now listen to a short conversation and a passage on the tape. This will be played once on the recorder. You may make notes while you are listening, but you should not answer any questions until the reading is over. {{B}}Qustion 1{{/B}}

填空题Please write a letter followed by the lists. 请按信函的格式以下列内容给美国花旗银行用英语写一封信。 1.要求与贵行建立业务往来关系。 2.我方很高兴的看到我们两国之间的贸易量一直在快速的增长。为了处理我们两国之间爱你日益增加的银行业务，我方很乐于与贵方建立业务往来关系。 3.处于这一良好意愿，我方现随函附上2006年年度报告一份供您参考。 4.一旦受到贵方函复，我方将很高兴发送给贵方我方的控制文件。 盼佳音。

填空题Define the drawer of a cheque.

填空题What is a cheque?

填空题An auto loan John Baker works in the loan department of a bank in Denver, Colorado. He is a loan of- ricer. Stanley Fanelli has an appointment with him now to ask about a loan. He needs money to buy a new car. Mr. B: Hello, Mr. Fanelli. Please have a seat. What can I do for you today? Mr. F: I want to borrow some money to buy a car. A friend of mine, Jack Richardson, bought a new car last week. He told me that he got his loan here. Mr. B: Oh yes. I remember him. I was the loan officer who spoke with him. Mr. F: He said that you were very helpful. I know very little about loans and I hope you can explain things to me. Mr. B: I will certainly try. What questions did you have for me? Mr. F: First, I want to know if loans for buying cars are commercial loans or personal loans. Mr. B: Neither, Mr. Fanelli. They're auto loans. A commercial loan is principal that banks lend to businesses. Personal loans are made to individuals, but not for buying cars. Mr. F: What about interest rates? Mr. B: The rate of interest currently in effect on auto loans is 16%. Mr. F: For how long will I have to make monthly payments? Mr. B: The term of the loan is three years, so there will be 36 monthly payments. Mr. F: Do I have to give the bank any collateral? Mr. B: The car serves as collateral. If you default, the bank can take possession of the car. The bank also checks your credit file to make sure that you always paid back your loans in the past. Do you have any charge accounts? Mr. F: My wife and I bought our furniture with our charge card and we even used it to buy airplane tickets for our vacation in California last year. We paid off both those debts promptly. Mr. B: That's very good. I assume there will be no problem. But the first thing you have to do is fill out this loan application. Mr. F: Thank you very much. I'll start right now. State whether each statement is true or false based on the dialogue between John Baker and Stanley Fanelli.

填空题List any 5 illegal contracts strictly so called.

填空题Now listen to a short conversation and a passage on the tape. This will be played once on the recorder. You may make notes while you are listening, but you should not answer any questions until the reading is over. {{B}}Qustion 1{{/B}}

填空题{{B}} Applying for a mortgage{{/B}} Susan Thomas and her husband Alan have decided to buy a house. They have seen one that they like and now have to get a mortgage loan. Susan goes to see Joan Bentley. Ms. Bentley works in the mortgage department of the Yorktown Bank in Texas, where the Thomases live. Ms. B: Hello, Mrs. Thomas. How are you today? I hear you want to apply for a mortgage loan with us. Mrs. T: That's right. I hope you have the time to answer some questions, though. My husband and I have never owned any real estate before and we have only elementary ideas about mortgages. Ms. B: I'll be happy to help you in any way I can. What would you like to ask? Mrs. T: First, is there any difference between a mortgage and a mortgage loan? I have heard both terms used. Ms. B: Yes there is, although in everyday speech people call the mortgage loan'a mort- gage. The mortgage is actually a written document. In legal terms it is called an instrument of conveyance because it transfers title of property from one party to another. The mortgage loan is, of course, the money that the mortgagee lends to the mortgagor so that the mortgagor can buy a house or some other piece of real property. Mrs. T: I see. That's clear to me now, but something has been worrying me. Many of my friends have told Alan and me that it won't be easy to get a mortgage. I don't know what they mean--Alan and I have always held good jobs. It seems that two good risks like us wouldn't have much difficulty in getting financing for a new home. Ms. B: The problem isn't the element of risk. The supply of mortgage money has become very tight lately. Also, with interest rates rising, banks don't want to lend a large sum of money for 25 or 30 years at a fixed rate. Mrs. T: When you mention fixed rates you remind me that I have been hearing a lot about variable - rate mortgages. I'm not quite sure that I understand exactly what they are, but people say more and more banks are using them now. Ms. B: I can explain them to you. In the past, the borrower or mortgagor paid the same rate of interest over the life of the mortgage. Monthly payments to the bank were the same for 30 years. But with variable-rate mortgages they can be adjusted every six months to changes in the interest rates banks pay on deposits. Mrs. T: That sounds very upsetting to me. What if the borrower gets a very large increase? How would he meet his payments? Variable - rate mortgages must greatly increase the possibility of the bank's foreclosing. Ms. B: Not really. The bank can't adjust the rate more than 1/4 of one percent for any six - month period. And most banks give an initial guaranteed - rate period of six months to five years. During this period, no adjustments are allowed. However, there's no limit to how much the rate that you pay can rise or fall over the life or the mortgage. Mrs. T: Why have banks begun to insist on variable-rate mortgages? The old system seems so much simpler. Ms. B: I'll admit it was simpler, but changes in conditions have made it difficult for banks to keep the system of fixed - rate mortgages. With certificates of deposit and other term - de- posit accounts, banks now pay very high interest rates to depositors in order to attract their money. These interest rates fluctuate, too, so banks want the protection of variable - rate mortgages. Mrs. T. Your explanation makes me feel more secure about variable -rate mortgages. How much does your bank expect as a down payment? Ms. B: Between 10% and 20% of the purchase price. Is that possible for you and your husband? Mrs. T: Yes. We have saved enough money for that. I would like to fill out an application. Ms. B: Fine. Here's one. We will be able to let you know whether we approve it or not in a week or ten days. Mrs. T: Thank you very much. Comprehension check State whether each sentence is true or false based on the dialogue of this lesson.

填空题The further reform of the wholly state-owned commercial banks will aim at introducing best modern banking practice, diversified ownership structure, advanced expertise in management, and intensified state control over the governance.

填空题Directions: Insert the correct words or phrases in the appropriate spaces in the passage below. investigate, quantity, discount, negligence, replements, discrepancy, packing list, unsaleable, inferior, penalty clause, up to standard Complaints are often received by companies who ship consignments overseas. These complaints are sometimes about the {{U}}(26) {{/U}} of goods received. Perhaps not enough goods were sent, perhaps too many. And sometimes it is a complaint that the wrong goods were sent. Often there are complaints about {{U}}(27) {{/U}} packing, which can cause damage to the goods. Sometimes the complaint is about inferior quality. Buyers in this case often complain that the goods are not {{U}}(28) {{/U}} There may be a {{U}}(29) {{/U}} between the description of the goods in the brochure and the goods which actually arrived. A complaint may be about a delay in shipment, although companies often have a {{U}}(30) {{/U}} in their contract to protect them against loss from delay. Complaints about damage are usually the business of insurance companies, but if the damage is caused by the {{U}}(31) {{/U}} of the packers, then the insurance companies will not accept responsibility. When there is a complaint that the wrong goods were sent, or too many, or too few, then it is always necessary to check the {{U}}(32) {{/U}} for the cases, as well as the invoice. Then the agent must {{U}}(33) {{/U}} what happened. The goods may still be in the port of unloading. Bad, inferior or inadequate packing may cause damage to goods in transit. The buyers may accept damaged goods if the supplier offers a {{U}}(34) {{/U}}, but if the goods arc badly damaged they may be {{U}}(35) {{/U}}, and in this case the buyer will demand replacements.

填空题Applying for a mortgage Susan Thomas and her husband Alan have decided to buy a house. They have seen one that they like and now have to get a mortgage loan. Susan goes to see Joan Bentley. Ms. Bentley works in the mortgage department of the Yorktown Bank in Texas, where the Thomases live. Ms. B: Hello, Mrs. Thomas. How are you today? I hear you want to apply for a mortgage loan with us. Mrs. T: That's right. I hope you have the time to answer some questions, though. My husband and I have never owned any real estate before and we have only elementary ideas about mortgages. Ms. B: I'll be happy to help you in any way I can. What would you like to ask? Mrs. T: First, is there any difference between a mortgage and a mortgage loan? I have heard both terms used. Ms. B: Yes there is, although in everyday speech people call the mortgage loan'a mort- gage. The mortgage is actually a written document. In legal terms it is called an instrument of conveyance because it transfers title of property from one party to another. The mortgage loan is, of course, the money that the mortgagee lends to the mortgagor so that the mortgagor can buy a house or some other piece of real property. Mrs. T: I see. That's clear to me now, but something has been worrying me. Many of my friends have told Alan and me that it won't be easy to get a mortgage. I don't know what they mean--Alan and I have always held good jobs. It seems that two good risks like us wouldn't have much difficulty in getting financing for a new home. Ms. B: The problem isn't the element of risk. The supply of mortgage money has become very tight lately. Also, with interest rates rising, banks don't want to lend a large sum of money for 25 or 30 years at a fixed rate. Mrs. T: When you mention fixed rates you remind me that I have been hearing a lot about variable - rate mortgages. I'm not quite sure that I understand exactly what they are, but people say more and more banks are using them now. Ms. B: I can explain them to you. In the past, the borrower or mortgagor paid the same rate of interest over the life of the mortgage. Monthly payments to the bank were the same for 30 years. But with variable-rate mortgages they can be adjusted every six months to changes in the interest rates banks pay on deposits. Mrs. T: That sounds very upsetting to me. What if the borrower gets a very large increase? How would he meet his payments? Variable - rate mortgages must greatly increase the possibility of the bank's foreclosing. Ms. B: Not really. The bank can't adjust the rate more than 1/4 of one percent for any six - month period. And most banks give an initial guaranteed - rate period of six months to five years. During this period, no adjustments are allowed. However, there's no limit to how much the rate that you pay can rise or fall over the life or the mortgage. Mrs. T: Why have banks begun to insist on variable-rate mortgages? The old system seems so much simpler. Ms. B: I'll admit it was simpler, but changes in conditions have made it difficult for banks to keep the system of fixed - rate mortgages. With certificates of deposit and other term - de- posit accounts, banks now pay very high interest rates to depositors in order to attract their money. These interest rates fluctuate, too, so banks want the protection of variable - rate mortgages. Mrs. T. Your explanation makes me feel more secure about variable -rate mortgages. How much does your bank expect as a down payment? Ms. B: Between 10% and 20% of the purchase price. Is that possible for you and your husband? Mrs. T: Yes. We have saved enough money for that. I would like to fill out an application. Ms. B: Fine. Here's one. We will be able to let you know whether we approve it or not in a week or ten days. Mrs. T: Thank you very much. Comprehension check State whether each sentence is true or false based on the dialogue of this lesson.

填空题abbreviations, overseas, addressee, efficient, punctuation, hyphenated, telegraphic, brief, minimum, urgent A telegram sent to another country is often called a (21) When there is an (22) message to give or a demand to make, the telegram is the quickest and most (23) communication. It gives a (24) message in the (25) number of words, to reduce the cost. The language of telegrams is often difficult, as there is no (26) with the exception of the word "STOP". Recognized (27) such as CIF, are also used but you must be careful to write signs which are recognized (28) . There are various rules about the number of words. For example, (29) words, such ms ready -made, are counted as one word. The name of the (30) is included in the number of words.

填空题The most important types of operational risk involve breakdowns in external controls or corporate governance.

填空题Name 3 ways in which an offer of a contract will expire.