国际内部审计师(CIA考试)
CDs may be exchanged for money before its maturity date either in money markets or at commercial banks.A．RightB．WrongC．Doesn't say
题目
CDs may be exchanged for money before its maturity date either in money markets or at commercial banks.
A．Right
B．Wrong
C．Doesn't say
参考答案和解析
解析：文章第二段开头提到The holder of a CD…will ask a money market participant (often a commercial bank) to arrange a sale through a specialized dealer。并没有提及在哪里交易。a specialized dealer专业交易者。
相似问题和答案
第1题：
The money a bank uses for lending is borrowed from depositors.
A．Right
B．Wrong
C．Doesn't say
解析：文中的最后一句指出They lend money which they have borrowed from depositors...。
第2题：
A commercial bank should try its best to increase the profits of its creditor and ownership sources.
A．Right
B．Wrong
C．Doesn't say
解析：从文中第三句As in non-financial business a band management's basic objective should be to maximize the value of the owners investment in the bank. 可看出。the value of the owners investment所有者价值。
第3题：
听力原文： A certificate of deposit (CD) is a time deposit with a bank. Time deposits may not be withdrawn on demand like a check account. CDs are generally issued by commercial banks but they can be bought through brokerages. They bear a specific maturity date that usually lasts from 3 months to 5 years, a specified interest rate, and can be issued in any denomination, very similar to bonds. CDs offer a slightly higher yield than T-Bills because of the slightly higher default risk for a bank, but overall the likeliness of a large bank going broke is pretty slim. Of course, the amount of interest you earn depends on a number of factors such as the current interest rate environment, how much money you invest, the length of time, and your specific bank.
24. What is a CD?
25.Which of the followings generally issue CDs?
26.How long does a specific maturity usually last?
27.Why do CDs pay higher return to investors than T-bills?
(24)
A．A term deposit that can be drawn at any time.
B．A time deposit with a bank.
C．A current deposit.
D．A cheek account.
解析：录音原文提到A certificate of deposit (CD) is a time deposit with a bank．CD存放在银行的定期存款。
第4题：
What will happen if there is one commercial bank and no thrifts in a small town?
A．The residents will deposit their money with the bank.
B．The local bank will provide business loans to the commercial bank.
C．Some large banks will transport money by check to the bank.
D．People in the area will not deposit money with the bank.
解析：文章第二段提到If there is one commercial bank...deposit their funds in the local bank.在一些偏远地区的小镇，如果只有一家商业银行而没有其他银行的时候，居民会把钱存入当地的银行。
第5题：
A commercial bank shall establish and improve its system of internal control according to law.
A．Right
B．Wrong
C．Doesn't say
解析：整个第一段和第二段第一句A commercial bank shah...its systems of examining and checking deposits, loans settlements and bad and doubtful accounts.这些都是内部控制的具体内容。
第6题：
The recovery of funds of a commercial bank is ideally managed on a parallel with its expenditure.
A．Right
B．Wrong
C．Doesn't say
解析：从段落中的第一句后半部分...and recovers funds, hopefully in excess of the amount可以推出。in excess of超过，a parallel with与…相同。
第7题：
A sound bank will not suffer from the bankruptcy of other unrelated banks.
A．Right
B．Wrong
C．Doesn't say
解析：段落最后指出problems in one institution may have wider，systemic repercussions on others，or on the integrity of the payments system，并没有明确指出运营良好的银行不受其他无关银行破产的影响。
第8题：
You should deposit a certain amount of money with a bank before you buy a house.
A．Right
B．Wrong
C．Doesn't say
解析：文中第一段第一句只说When you buy a house, it is likely that you will be able to borrow a large part of the cost from a building society...并没有说应该在银行存上一笔钱。
第9题：
A credit card is a plastic card and the like to be used to obtain money, goods, or services and an overdraft is not allowed.
A．Right
B．Wrong
C．Doesn't say
解析：第一段开始A credit card is…possibly under a line of credit established by the card issuer．但并没有说an overdraft is not allowed。
第10题：
A certificate of deposit (CD) is issued by a depository- institution (56) that the holder has deposited at the institution a certain mount of money for a certain period of time. By issuing a certificate of deposit, a bank, or (57) institution, gives its pledge to (58) the certificate at maturity and to pay a certain rate of interest for the use of the deposited funds.
Certificates of deposit are issued in several different forms. They may be negotiable or nonnegotiable, If a CD is negotiable it may be sold on the secondary market (59) to maturity. Usually only large CDs are issued in negotiable form. CDs may also be issued either in bearer or registered form. Negotiable CDs are usually always issued in bearer form. because of the ease with which ownership may be (60) .
(41)
A．evidence
B．fact
C．proof
D．prove
解析：根据上下文，填空处的意思应为“证据”，proof更加倾向于某种现象证明(英文意思：A sign that something is certainly true)。而evidence则偏向于由某一事物为证明的(英文意思：Words or objects make something more clearly true)。本句意思在于强调CDs的证明作用，所以A项更符合题意。