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Recently some banks extended their business to university campuses and offered credit card

s to students. A lot of people worry that credit cards may bring harm to students, while others dont think so. What is your opinion？ Write a composition of about 200 words on the following topic : Will Credit Cards Bring Harm to Students! You are to write in three parts. In the first part, state specifically what your opinion is. In the second part, support your opinion with appropriate details. In the last part, bring what you have written to a natural conclusion or a summary. Marks will be awarded for content, organization , grammar and appropriateness. Failure to follow the instructions may result in a loss of marks

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更多“Recently some banks extended t…”相关的问题

第1题

Which of the following has nothing to do with the meeting chaired by Premier Wen？A.Discuss

ing the building of rapid-transit rails.B.Discussing the draft amendments concerning some banks.C.Discussing the draft regulations about food reserves.D.Discussing whether the People's Bank of China and commercial banks should be integrated.

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第2题

听力原文：M: It is reported that in some countries banks are not allowed to make investment

s in equity securities.

W: Generally commercial banks may invest only in those securities that are rated as "investment grade", or have bond ratings in the top four categories.

Q: Where are banks only allowed to make investments？

(15)

A．In equity securities.

B．In personal funds.

C．In securities rated as investment grade.

D．In property markets.

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第3题

听力原文：Some banks offer other types of loans repayable by monthly installments, such as

听力原文： 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？

25.Which of the following loans would attract a lower rate of interest？

26.How does a borrower "top up" his loan？

27.What is the objective of introduction of the budget account？

(24)

A．Business development loans.

B．House improvement loans.

C．Farm development loans.

D．Overdrafts.

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第4题

（)you wish to know why we have placed no further orders with you recently, we are wi

()you wish to know why we have placed no further orders with you recently, we are willing to raise a matter that caused us some trouble .

A. since

B. though

C. as

D. although

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第5题

听力原文：The inter-bank market is important because through banks' lending and borrowing,

听力原文： The inter-bank market is important because through banks' lending and borrowing, a short-term interest rate can be determined. This interest rate indicates the marginal cost of acquiring short-term liquidity needed by banks in the money market. Thus, the lending is usually for short-term liquidity needs which is usually overnight. Some lending transactions may be arranged for a longer period of time, usually up to 3 months. The inter-bank money market is well established and active in Hong Kong, with an average daily turnover of HK $ 38 billion in late 1991. Lenders are mostly the locally incorporated banks and major borrowers are the foreign banks that do not have adequate deposit base in local currency.

28. What can be determined through inter-bank lending and borrowing？

29.How long is the usual period of short-term liquidity needed by banks？

30.Who are the major lenders in the inter-bank market？

(28)

A．A long-term interest rate.

B．A long-term loan.

C．A short-term interest rate.

D．A short-term loan.

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第6题

Mr. Brown's neighbour at the theatre______.A．did not know the ladies until recentlyB．only

Mr. Brown's neighbour at the theatre______.

A．did not know the ladies until recently

B．only knew some of them all her life

C．had known them since she joined the club

D．had known these ladies for a long time

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第7题

Yuan, CFA, is a portfolio manager works for Golden Finance. Alex Muller is one of Yuan’s c

lients. They have not been in contact for more than three years. Recently, Alex suddenly called Yuan and said that he made a lot of money and wanted to invest in some high-risk and high-yield investment products. Yuan immediately recommended and invested in some private equity funds. As usual, Yuan also prepared the list of these funds, the details of the proceeds, and sent them to Alex monthly. Did Yuan most likely violate the CFA Institute Code of Ethics and Standards of Professional Conduct？

A.Yes, he violated for investing private equity funds.

B.Yes, he violated for the details of proceeds.

C.No.

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第8题

1 Bailey’s is a large toy manufacturer based in a traditional industrial region. Establish

ed in the 1970s, it has faced many changes in the market and survived. This has been due in part to employing a largely unskilled low paid staff,and maintaining its main advantage, that of low production costs based on low pay. Most of the production involves repetitive and boring work with little challenge and opportunity for innovation. Although many of the employees have

been with the company for some time, there has been a high level of employee turnover.

However, an unhappy atmosphere has been apparent for some time. There has been a number of instances ofarguments between the staff, friction between different departments, disturbance, low morale, poor production and general unrest, made worse recently by a decline in business which may lead to staff reduction and redundancy. Poor pay is leading to family problems that are affecting the commitment and motivation of the employees.

The business was recently sold to the new owner, Rebecca Stonewall. She is concerned that the negative atmosphere she has found will harm the prospects of the business and is determined to address the issues that have become apparent.

She has therefore decided that it is time to take account of opinions and views of the employees in an attempt both to identify the problems and to resolve them. She has appointed external counsellors since she thinks that a programme of individual counselling might be appropriate and is also of the opinion that some form. of different or improved approach to motivation might be the answer to the problems at Bailey’s.

Required:

(a) Define the role that the external counsellor must fulfil at Bailey’s. (3 marks)

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第9题

Bionics is a recently developed branch of science, which has tremendous potential for impr

oving the life of mankind in our contemporary society. Bionics can be described as the study of systems in living creatures and the application of the knowledge gained from this study to the improvement of various kinds of man-made systems. The term bionics was coined around 1960, and much of what is known about the science of bionics has been discovered since about 1970.

Some researchers recently have studied the eyes of the common frogs and have discovered that a frog's eyes only find moving things such as insect-shaped objects and large, threatening objects. As a result of studying the eyes of frogs, scientists have constructed a simple electronic model of a frog's eyes which can track airplanes circling above an airport and then provide information to computer-run air traffic control systems. Someday such electronic eyes may provide the means to automatically guide automobiles by providing information about objects moving toward the automobile. Other scientists have studied the compound eyes of some insects and crabs and have built a seeing machine that is a simple model of the horseshoe crab eye.

The hearing of a number of creatures also has been studied extensively so that hearing machines can be developed. Bats have unusual hearing which can extend into the ultrasonic (超声的) range. The dolphin also has been studied extensively, and dolphins are able to navigate through water extremely effectively. Radar and sonar(声纳) systems which are used to help ships and planes navigate have been based on the sonar systems of both bats and dolphins.

Which of the following could be the best title？

A．Electronic Eyes

B．The Science of Bionics

C．Sonar Systems

D．The Hearing of Some Creatures

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第10题

For some employers, the policy of lifelong employment is particularly important because it

means that they can put money and effort into their staff (职员) training and make them loyal to the company. What they do is to select young people who have potential (潜能) and who can be trained, they then give the young people the kinds of skills that will make them suitable employees for the company. In other words, they adjust their training to their particular needs.

One recently employed graduate says that she is receiving a great deal of valuable training from the company. "This means that I will be a loyal employee, " she says, " And it also means that the company will want to keep me. I am an important investment for them. So the policy is a good one because it benefits both the employer and the employee. "

Recently, however, attitudes towards lifelong employment are beginning to change. Employees are slowly beginning to accept the idea that lifelong employment is not always in their best interest and that changing firms can have career advantages.

The purpose of lifelong employment is to______.

A．adjust the needs of the company to its employees

B．make employees loyal to their company

C．select the best skilled young employees

D．keep the skilled staff satisfied

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