题目内容
（请给出正确答案）
A.descended to
B.mounted to
C.soared at
D.climbed up
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更多“Spanish banks' bad loans _____…”相关的问题
Question 6
How do banks manage their risk of bad loan？
Keep an Eye on CEOs
Government policy decisions could speed or slow the pace of rehabilitation for the banks, and (31) turn, the stock market. David A. Hendler, a New York-based bank analyst at Credit-Sights, says his job has shifted from financial analysis toward Washington analysis. Essentially, his task is to figure (32) how quickly the government will permit weak banks to consolidate. When investors believe (33) know which banks will survive, they'll buy their stocks. The process is (34) critical to the stock market that Richard Bernstein, chief investment strategist at Merrill Lynch, is tracking six signposts for financial industry consolidation. Among them: the extent to which the government carves up and sells bad banks rather than buying into them to prop them (35) Other strategists are keeping a close eye on the people who really know what's happening in the economy: business leaders. Biderman says he'll know corporations are getting confident (36) they start buying back their own shares and acquiring other companies. Right now they show no such bravado. Announcements of share buybacks are down 90% from a year ago, leaving that market thermometer so cold that the mercury is off the scale.
In the end, the timing of the bear's retreat (37) likely hinge on that great market imponderable: psychology. How investors feel has a lot to do with (38) they start seeing mixed signals as proof of a glass half-full. "The market stress causes the analytical part of our brains to shut down, and that makes us hyperreactive (39) bad news, "says Michael A. Ervolini, CEO of Cabot Research, a consultancy catering to institutional investors. People become convinced conditions are worse than rock-bottom bad, he says. Only (40) they see that they've overacted can things improve: "We look for the market to start saying tomorrow will be brighter."
(31)
If an L/C calls for insurance cover per "Institute Cargo Clause All Risks", will
Banks accept "Institute Cargo Clause A" ？
(1)( ) True (2)( ) False
Comparing with UCP 500, the major changes introduced by the UCP 600 include( ).
A. the banks now have a maximum of five banking days for the examination of documents
B. the banks now have a maximum of seven banking days for the examination of documents
C. Bs/L may now allow transshipment
D. Bs/L may not allow transshipment
The banks on the buyer's side on L/C arrangement are( ).
A. issuing bank B. advising bank
C. negotiating bank D. paying bank
In April, 'Washington Mutual raised its overdraft fee in most states to $ 34 from $ 32. Also this year, the bank increased the number of times a day that a customer can be hit with this fee, from five to seven 'Washington Mutual spokesman Gary Kishner says the bank raises fees partly due to " competitive factors". This year, (Bank of America raised the fee charged on the first day a customer overdraws to $ 25 from $ 20. The bank also raised the number of times a customer can be hit with this fees per day to seven from five. And it's told customers that most signature debit-card transactions will reduce their balances that same day and be subject to fees if there isn't enough money in the account. (Before, consumers often avoided this fee if they deposited money before a purchase cleared
Bank of America spokeswoman (Diane Wagner says the bank adjusts fees to "establish more uniform. pricing for our national franchise".
Which of the following factors does Gary Kishner cite as one of the main reasons behind the increase in overdraft charges？
A．Competitive factors
B．Too little money in customers' accounts
C．The weak economy
D．Debit-card transactions
risks, savings, financial, funds, deposits, heart, complex, subject, appear,
repay, as, lose, reserve, returns, balance
Banks are crucial to a country's economy; they serve as the center point of the exchange of money throughout the economy. They gather【1】from small and large depositors, make loans, run the payments system, and coordinate【2】transactions. In developing countries, they usually are the【3】of the financial market and in industrial countries with【4】financial markets they still have a role as primary providers of financial services.
It is difficult for the layman to know if a bank is financially solid. Banks may【5】more solid than they really are. A bank that has loaned money to a borrower who is unable to【6】may keep the bad loan on its【7】sheet us long as possible, though the loan might never be paid back. Moreover, bank【8】are also somewhat precarious. A bank normally cannot refuse to accept deposits, but if, for whatever reason, its depositors【9】confidence in the bank's soundness, they may withdraw their【10】not only from that bank but also from other perfectly sound banks.
In seeking profits, banks lend on the basis of their customers' deposits, but not all deposits can be lent out. A certain share must be held in【11】. Competing institutions providing financial services are in a different situation since they are usually not【12】to reserve and prudential requirements. Firms selling equities do not promise fixed【13】and neither equities nor bonds are payable on demand,【14】are most bank deposits. Because of the pivotal role of banks and their vulnerability to unusual【15】, there seem to be good reasons to protect deposits through an appropriate insurance scheme and, in this way, to protect both the bank and the banking system.
(1)
Making yourself a good record
If you are an American and you think you might need to borrow money someday，the best thing to do is start early．
That’s because just as many employers want to hire only people with experience，banks and other creditots are usually reluctant to lend to those_______（1）a proven track record of paying back．_______ （2）time，the money they have borrowed．
But if you need experience just to get a start，how do you get that start in the first place？
With a little help from your parents usually，while you are still financially dependent_______ （3）them． It is easy to get a credit card or student loan when you are in college，because banks figure your parents will bail you out if you fail to pay．
So just as students take on internships to build up their resumes，one’s university time can be a good time to work on another important personal reeord：the credit_______ （4）．
Crledit reports are a_______ （5）0f one’s personal credit history，gathered by a credit reporting agency,or CRA．
Banks and companies-_______ （6） hospitals，landlords and insurance eompanies—regularly report to the three main CRAs in the US_______ （7）how their customers are doing at paying back the money they_______ （8）．
Anyone with a“legitimate business need”has the right to order individuals’reports from the CRAs．Potential creditots usually compile the information in the reports into a credit“score”，ranking the level of creditworthiness．Lack of experience in borrowing in_______ （9）to a bad record of doing so．can result in a low score．
Even if you are not considering taking out a loan for such a large purchase as a home or car，your credit report can be important to getting through life．Landlords often ask for the reports to judge_______（10）a person can be trusted to pay the rent．Credit checks are necessary for getting a credit card，even for purchasing a mobile phone calling plan．
People can obtain a copy of their own credit report，usually_______ （11）a cost of around us$8-9．Some consumer organizations recommend doing this once a year to allow one to catch any mistakes_______（12）have slipped into the records or，even worse，to find out whether any fraud has taken place．Though the system is controlled by laws_______ （13）to protect people’s privacy，it isn’t fool—proof：Sometime$people take out bad loads in others’names，_______ （14） their records. In a society addieted_______ （15）credit，that can be a disaster．
第 1 题
A．with
B．without
C．on
D．by
Making Yourself a Good Record
If you are an American and you think you might need to borrow money someday, the best thing to do is start early.
That's because just as many employers want to hire only people with experience, banks and other creditors are usually reluctant to lend to those(51)a proven track record of paying back,(52)time, the money they have borrowed.
But if you need experience just to get a start, how do you get that stat in the first place？
With a little help from your parents usually, while you are still financially dependent(53)them. It is easy to get a credit card or student loan when you are in college, because banks figure your parents will bail you out if you fail to pay.
So just as students take on internships to build up their resumes, one's university time can be a good time to work on another important personal record: the credit(54).
Credit reports are a(55)of one's personal credit history, gathered by a credit reporting agency, or CRA.
Banks and companies-(56)hospitals, landlords and insurance companies- regularly report to the three main CRAs in the US(57)how their customers are doing at paying back the money, they(58).
Anyone with a "legitimate business need" has the right to order individuals' reports from the CRAs. Potential creditors usually compile the information in the reports into a credit "score", ranking the level of creditworthiness. Lack of experience in borrowing in(59)to a bad record of doing so, can result in a low score.
Even if you are not considering taking out a loan for such a large purchase as a home or car, your credit report can be important to getting through life. Landlords often ask for the reports to judge(60)a person can be trusted to pay the tent. Credit checks are necessary for getting a credit card, even for purchasing a mobile phone calling plan.
People can obtain a copy of their own credit report, usually(61)a cost of around US$8-9. Some consumer organizations recommend doing this once a year to allow one to catch any mistakes(62)have slipped into the record or, even worse, to find out whether any fraud has taken place. Though the system is controlled by laws(63)to protect/people's privacy, it isn' t fool-proof: Sometimes people take out bad loans in others' names,(64)their records.
In a society addicted(65)credit, that can be a disaster.
A．with
B．without
C．on
D．by
So why is it that flying is getting 【23】______ for so many passengers, 【24】______ airlines are spending billions of dollars to improve service, 【25】______ in new equipment such as mobile check-in stations and portable phone banks so travelers can quickly 【26】______ a flight when it is delayed or canceled？ The fact is that air travel has 【27】______ been such an annoyance, and customer complaints to the Transportation Department doubled in 1999 【28】______ 1998.
It seems Mother Nature would 【29】______ people by bus this year. An unusual run of bad weather, 【30】______ long walls of thunderstorms, has crippled airports lately and led to widespread delays and cancellations. After similar problems last summer, the FAA promised to work more closely with airlines 【31】______ weather slowdowns--for example, FAA and airline representatives now gather at a single location in Herndon, Va. , to 【32】______ the best way to allocate the available airspace. But even the FAA 【33】______ the new initiative has fallen 【34】______ of expectations, and many passengers complain that the delays seem 【35】______ .
Part of the problem is overcrowded planes. 【36】______ the strong economy, U.S. airlines are expected to carry a record 665 million passengers this year, up 5 percent from last year. On 【37】______ , planes are about 76 percent full these days, also a 【38】______ . That's good news for the Transport Department, which are profitably loading more passengers 【39】______ each flight, and bad news for passengers, 【40】______ irritations build rapidly in fight quarters.
【21】
A．under
B．below
C．beneath
D．beyond
