[单项选择]Though the banks agree to end relations with clients ______ are unclear, they are still not obliged to inform on a client to anyone.


A. identities
B. their identities
C. of identities
D. whose identities

[单项选择]Banks will not accept transport documents indicating a date of shipment( )the expiry date stipulated in the credit or amendments．
A. prior to
B. 1ater than
C. on
D. before

[多项选择]Normally the banks accept the following marine bills of lading.( )
A. order bills of lading
B. shipped bills of lading
C. clean bills of lading
D. foul bills of lading

[单项选择]Banks compete for customers just like other places of business, so you can shop around for the best bargains（）
A. 银行业也像其他行业一样为争取顾客而竞争，所以选择银行时要货比三家。
B. 银行业也像其他地方一样为顾客竞争，所以要到最合适的廉价商店购物。
C. 银行业也像其他地方一样为顾客竞争，所以存钱时最好讨价还价。
D. 银行业也像其他行业一样为争取顾客而竞争，所以要选择最好的。

[多项选择]Normally the banks will not accept the marine bills of lading which contained the following words ( ).
A. apparent good order and condition
B. insufficient packing
C. one carton short
D. missing safety seal

[单项选择]The combination of currency in circulation, banks' reserve deposits at the central bank, and coins issued by the Treasury is referred to as the:（）
A. M1 money supply.
B. liquid money supply.
C. monetary base.

[单项选择]The interest rate paid on negotiable CDs by banks in London is referred to as:

[单项选择]The low interest rates on banks loans provided an impetus for many to buy homes.
A. incentive
B. obstacle
C. reason
D. delay

[单项选择]What is one service that banks do not provide

[单项选择]Most scientists agree this outpouring contributes to global warming, which could eventually lead to coastal flooding,______weather, and widespread crop loss.
A. intensive
B. extreme
C. unpleasing
D. unique

[单项选择]The two banks have announced plans to merge next year．
A. combine
B. close
C. break
D. sell

[单项选择]Excess reserves of banks are equal to:（）
A. required reserves plus demand deposits.
B. required reserves minus actual reserves.
C. actual reserves minus required reserves.

[单项选择]While walking along the icy river banks, we could see cracks in the ice （） in all directions.
A. radiating
B. dividing
C. splitting
D. tearing

[单项选择]

Text 3
Forget about the days when banks lured customers with offers of "free" toaster. In the harsh new world of consumer banking, it’s the account holder who may get burned.
Over the past few years, banks have systematically raised their old fees and invented new ones -- as many as 100 different kinds. The size of these charges jumped more than 50 percent on checking and savings accounts since 1990, according to Bank Rate Monitor, an independent provider of financial data. Meanwhile, interest rates paid on passbook savings and negotiable order of withdrawal (NOW) accounts failed to keep pace with inflation, let alone with other low-risk investments. And technologies like automated teller machines (ATMs) have truly turned into cash machines -- for the bank.
Checking Profits. According to a report by the Federal Reserve Board, fewer than eight percent of all commercial banks now offer tree checking. In some big cities, such as Los Ang
A. very profitable business.
B. very promising business.
C. bankrupt business.
D. well-managed business.