听力原文:The instructions of the remitting bank override the relationship, if any, between the drawee and collecting bank.

第1题

听力原文：A bill of exchange is a negotiable security signed and dated by the issuer （the

听力原文： A bill of exchange is a negotiable security signed and dated by the issuer (the drawer). It contains an unconditional order or instruction for the debtor (the drawee) to pay a fixed sum of money to a certain person or to his order upon maturity. If the debtor agrees to this, he accepts the bill of exchange by signing it. Its form, content and legal consequences are regulated by law. A promissory note only differs from a bill of exchange in that it is issued in the form. of a promise of payment made by the debtor instead of a payment order or instruction by the creditor.

28. Who signs and dates a bill of exchange？

29.What is a bill of exchange？

30.Which of the followings regulates the form, content and legal consequences of the bill of exchange？

(28)

A．The drawer.

B．The drawee.

C．The debtor.

D．The payee.

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第2题

听力原文：Under the general rules, once the documents are passed to the remitting bank by t

he drawer, the bank has an absolute right over the goods through the title documents.

(10)

A．Once the title documents are entrusted, the goods are at the disposal of the collecting bank.

B．The title documents enable the remitting bank to dispose the goods according to the instruction given in the collection order.

C．The title documents are usually issued by the drawee.

D．In spite of the possession of the title documents, the bank can not deal with the goods without the allowance of the drawer.

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第3题

听力原文：M: Do you know some forms of bank advances？W: There are three forms: overdrafts,

听力原文：M: Do you know some forms of bank advances？

W: There are three forms: overdrafts, personal loans and mortgages.

Q: Which of the following is not a form. of bank advances？

(13)

A．Overdrafts.

B．Mortgages.

C．Personal loans.

D．Letter of credit.

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第4题

听力原文：The tax return does not show accrued income.（8)A．The tax return is not shown in t

听力原文：The tax return does not show accrued income.

(8)

A．The tax return is not shown in the income.

B．The income is not accurate in taxation.

C．The tax should be returned according to the income.

D．The tax return is not in accordance with the income that should be taxed.

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第5题

听力原文：A crossed cheek can not be encashed but can be paid into account.（8)A．Bank will r

听力原文：A crossed cheek can not be encashed but can be paid into account.

(8)

A．Bank will reject the crossed check.

B．It is not advisable to hold a crossed check.

C．You can only have a crossed check paid to your account.

D．A crossed check is not a good check, not illegal though.

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第6题

听力原文：W: I want to put some money in account.M: Please write down the amount, your name

听力原文：W: I want to put some money in account.

M: Please write down the amount, your name and the account number on this slip, Madame.

Q: What is the woman NOT going to write down？

(16)

A．The amount.

B．The address.

C．The name.

D．The account number.

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第7题

听力原文：W: Will my deposit earn any interest？M: Certainly. Interest rate on savings accou

听力原文：W: Will my deposit earn any interest？

M: Certainly. Interest rate on savings accounts at the moment is 3%. If you opened a current account money, you wouldn't earn any interest.

Q: What would the interest rate be if the woman opened a current account？

(14)

A．3%.

B．5%.

C．11%.

D．None.

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第8题

听力原文：M: What's the interest rate on mortgage loans？W: It fluctuates a little depending

听力原文：M: What's the interest rate on mortgage loans？

W: It fluctuates a little depending on the various factors in the loan, but around 8.75% for long-time clients.

Q: What are they talking about？

(14)

A．About long-term relationship between the banker and the client.

B．About long-term loans.

C．About housing loans.

D．About short-term loans.

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第9题

听力原文：M: If a bank has inadequate liquidity, what would happen？W: In this case, it cann

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？

(14)

A．Adequate liquidity.

B．Insufficient liquidity.

C．Increasing liabilities.

D．Converting assets.

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听力原文：The instructions of the remitting bank override the relationship, if any, between