Credit_Unions
Chapter 1选择题
Chapter 1_____________________________Role of Financial Markets and Institutions1. Financial market participants who provide funds are calledA) deficit units.亏损单位B) surplus units.盈余单位C) primary units.D) secondary units.2. The main provider(s) of funds to the U.S. Treasury is (are)A) households and businesses.B) foreign financial institutions.C) the Federal Reserve System.D) foreign nonfinancial sectors.3. Funds are provided to the initial issuer of securities in theA) secondary market.B) primary market.C) deficit market.D) surplus market.4. Which of the following is a capital market instrument?A) a six-month CDB) a three-month Treasury billC) a ten-year bondD) an agreement for a bank to loan funds directly to a company for nine months5. Money market securities generally have ______. Capital market securities are typically expected tohave a ______.A) less liquidity; higher annualized returnB) more liquidity; lower annualized returnC) less liquidity; lower annualized returnD) more liquidity; higher annualized return16. If security prices fully reflect all available information, the markets for these securities areA) efficient.B) primary.C) overvalued.D) undervalued.10. Common stock is an example of a(n)A) debt security.债权证券B) money market security.C) equity security.所有权证券D) a and b13. Which of the following is most likely to be described as a depository institution?储蓄性金融机构A) finance companiesB) securities firmsC) credit unions信用社D) pension funds抚恤基金E) insurance companies14 Which of the following is a nondepository financial institution?A) savings banksB) commercial banksC) savings and loan associationsD) mutual funds共同基金15. Which of the following distinguishes credit unions from commercial banks and savings institutions?A) Credit unions are non-profit.B) Credit unions accept deposits but do not make loans.C) Credit unions make loans but do not accept deposits.D) Savings institutions restrict their business to members who share a common bond.19. _______________ concentrate on mortgage loans.按揭贷款A) Finance companiesB) Commercial banksC) Savings institutions储蓄机构D) Credit unions20. _____ securities have a maturity of one year or less; _____ securities are generally more liquid.A) Money market; capital marketB) Money market; money marketC) Capital market; money marketD) Capital market; capital market23. Organized exchanges are intended to facilitate促进theA) issuance of corporate securities in primary markets.B) issuance of government securities in primary markets.C) a and bD) sales of securities in the secondary markets.24. Which of the following is not an example of an organized exchange?A) the New York Stock ExchangeB) the Over-The-Counter Market场外交易市场C) the American Stock ExchangeD) All of the above are organized exchanges.25. A five-year security was purchased two years ago by an investor who plans to resell it. The securitywill be sold by the investor in the so-calledA) secondary market.B) primary market.C) deficit market.D) surplus market.26.When security prices fully reflect all available information, the markets for these securities are said tobe efficient.A)TrueB)FalseANSWER: A27.Financial markets facilitating the flow of short-term funds with maturities of less than one year areknown asA)money markets.B)capital markets.C)primary markets.D)secondary markets.E)none of the above28.Which of the following transactions would not be considered a secondary market transaction?A)an individual investor purchases some existing shares of stock in IBM through his brokerB)an institutional investor sells some Disney stock through its brokerC)Microsoft issues new shares of common stock using its investment bankD)all of the above would occur on the New York Stock Exchange29.If investors speculate 投机in the underlying asset标的资产rather than derivative contracts on theunderlying asset, they will probably achieve ____________ returns, and they are exposed to relatively ___________ risk.A)lower; lowerB)lower; higherC)higher; lowerD)higher; higher30.Long-term debt securities tend to have a ___________ expected return and _________ risk thanmoney market securities.A)lower; lowerB)lower; higherC)higher; lowerD)higher; higher。
七选五练习题
七选五练习题29．________Scientists and experts have proved the uniqueness of fingerprints and discovered that no exactly similar pattern is passed on from parents to children, though nobody knows why this is the case.The ridge(隆起)structure on a person's fingers does not change with growth and is not affected by surface injuries. Burns, cuts and other damage to the outer part of the skin will be replaced in time by a new one, which bears a reproduction of the original pattern.30.________Some criminals make use of this fact to remove their own fingerprints but this is a dangerous and rare step to take.Fingerprints can be made very easily with the printer's ink. They can be recorded easily.31.________ Because of the simplicity and economy of this system, fingerprints have often been used as a method of solving the criminal case. A suspected man may deny a charge but this may be in vain. 32.________ When a suspect leaves fingerprints behind at the scene of a crime, they are difficult to detect with the naked eye. 33.________ Some of the marks found are incomplete but identification is possible if a print of a quarter of an inch square can be obtained.A．Special techniques are used to “develop” them.B．A fingerprint is an impression of the ridge structure.C．It is only when the inner skin is injured that the arrangement will be destroyed.D．With special methods, identification can be achieved successfully within a short time.E．Some criminals may leave their fingerprints at the scene of a crime.F．His fingerprints can prove who he is even if his appearance has been changed by age or accident.G．Every human being has a unique arrangement of the skin on his fingers and this arrangement is unchangeable.【答案】29.G30.C31.D32.F33.ASome simple keys to transform your lifeThe power of choices.Every one of us makes countless choices every day. Every choice we make has an impact on our lives. 16.________When hunger strikes, we can reach for a healthy, nutritious snack, or we can choose the sugar high of junk food. The more important the decision, the greater its effect. For instance, how do I act towards that person who treated me badly? Do I generally choose to be passive，or do I actively set clear intentions and create what I want in my life? Every choice we make, however big or small, affects us in some way.17．________If you are interested in living a richer, fuller life, there is a foundation upon which you can base all of your decisions which can make life better not only for you, but also for those around you. This foundation is to choose based on what's best for all. Imagine a world where every parent, friend, teacher, business person, and politician truly did their best to choose what's the best for all involved in every decision they made. We would certainly live in a more caring, supportive world.It's the intention.18．________The answer is simple. It doesn't matter. The matter itself is not the choice youmake, but rather the intention behind your choice. The key is that what decision you make. You are clear in your intention of choosing based on what's the best for all. If it later turns out that you seem to have made a bad choice, there's no need for guilt. Knowing that you did your best to choose with a sincere desire for what's the best for all, your conscience stays clear and open.19.________What's the best for me, too?Choosing what's the best does not mean you have to always sacrifice yourself for others. Another example, a very exhausted mother can lose her temper easily and then she may become ill so that she can't support her family without earning any money.20.________ So as we move through each day of our lives, let us learn to care about ourselves as we do our best to choose what's the best for others.A．How do you make choices?B．Discuss them together to choose your project.C．But how do I know what is really the best?D．What is important is that we should pay attention to this presence.E．So it is very important for you to take good care of yourself.F．Even small or unimportant choices can affect what we experience and how we feel.G．This then allows you to improve your decision, and make a right one.【答案】16.F17.A18.C19.G20.EDon't you just love ice skating every winter? I am sure that since winter is approaching, your skates are set to come out, just waiting to be used. Impress your friends with your new tricks on how to ice－skate backwards with the help of these tips.Stand straightThe first thing that you need to do is, stand straight. 26.________，if you feel that you are falling backwards. Don't worry，and this happens to all.Confidence is what you needThe most important step while learning how to skate backwards, is having enough confidence in yourself and in what you are doing. How can you achieve this? By practice. One of the important ice skating tips and techniques is that if you feel that you are losing your balance, then scissor(做剪式运动)your skates. 27.________．Maintain speedTry skating(滑) with one skate while rolling in a straight line with the other. 28.________. Now bring the skate which you are using to scull, and then again, repeat the same process. Make sure that you put most of your weight on the skate which is moving straight and not the one with which you are sculling.Now, try the same thing using the other foot.29．________Once you are confident that you can scull with either foot, the next thing that you have to do is increase your speed. Try some of your own tricks now. Scull with either foot or with both at the same time.Scull and be awareWhile you keep one foot straight, keep sculling with the other. You can do that with both feet at the same time. 30.__________，but don't get so involved that you don't see where you are going. If you are not watching your back, you might just bang against something or someone.A．That is, keep pushing yourself backward with an outward stroke(滑动)B．While going backwards, just get used to the feeling of moving backwardsC．Keep practising this till you are confident about itD．Increase your speed nowE．One must be brave enough to learn to ice－skate backwardsF．Concentrate on what you are doingG．Just put your chin up and slightly bend your knees【答案】26.G27.C28.A29.D30.FAre you a saver or a spender?16．________ This old saying calls attention to the wisdom of saving money. “Putting money away for a rainy day” is another way to talk about saving for the future.People who hate to spend money are known as “tightwads”，while those who like to get the most value for their money are called “thrifty”.17.________ A spendthrift is someone who spends money wastefully. People like that are often said to spend money “like a drunken sailor” o r like “there's no tomorrow”．In the United States, people who want to start a savings account have different choices of where to put their money. 18.________ Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are non－profit organizations.Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are low. Certificates of deposit(存款)pay higher returns. With a certificate of deposit，a person agrees not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years. 19.________ People can withdraw their money early but they have to pay a penalty(罚金)．In a number of countries, people have been saving less over the years. It is reported that in 2000, Americans had a household savings rate of 7%. 20.________ Many European countries have higher rates, but Americans save more than families in Japan.A．People are willing to save money for the future.B．A penny saved is a penny earned.C．Before gold, even kings take off their hats.D．These include banks and credit unions.E．Longer terms and larger amounts pay higher interest.F．A thrifty person is different from a spendthrift.G．This year the rate is expected to be a little more than 4%.【答案】16.B17.F18.D19.E20.GHow to pass an important testWhether it's a first grade science test or College Entrance Exam, all tests have one thing in common: you have to pass. 26.________ Stuck in a situation where you don't know what to do? This article can help.Tips★1. Once you get the study guide, make plans right away to study as soon as possible. No excuses! Killing time with friends isn't worth it，since you can always hang out with them any other day.★2. Get plenty of rest. 27.________ If you walk into the classroom sleepily, you'll most likely not finish the test because you are so tired.★3. Eat a good meal for breakfast. 28.________ Some healthy breakfast suggestions are oatmeal (燕麦片), high fibre food, and grapefruit with the fresh fruit salad.★4. Bring all necessary materials. 29.________ Bring pencils, pens, pencil sharpeners, snacks (if allowed)，erasers, the calculator (if allowed) and anything else you'll need for the test.★5. 30.________ Showing up late cuts back the time you'll have to take for the test if it's already testing hours. You'll probably miss any important information needed in completing the test. In some tests，late comers are not allowed to take the test.A．The exam tests vocabulary, reading and maths skills.B．One piece of cheese probably won't last until test time.C．Don't forget to set your alarm clock and show up on the test day on time.D．Studies show that if you get enough sleep, your brain will be much more efficient.E．Showing up without something as simple as a pencil can make a big effect on your test.F．Failing the test won't help you in the long run, so it's important to know how to prepare to pass that big test.G．This test is a challenging one and every year many students are unable to qualify it just because of lack of guidance.【答案】26.F27.D28.B29.E30.CHabits of highly successful studentsNever over－studyWhen you spend too much time studying, you will quickly lose focus and the time spent in studying will become “junk time”．You think you're studying but you're just sitting there rereading the same sentence about 100 times and you're not getting anywhere. Instead, take regular breaks.26.________Besides, it will give your mind some time to take in what you have been doing.27．________Top students don't just randomly(随意地) sit down and complete work. They actually plan what they are going to do: they actually plan the time when they will study and they set goals for what will be achieved. If you want to be successful, do as successful people do. Set a plan, set a goal and stick to it, which will create a routine and a routine is the first step towards developing a habit.28.________Front up to the toughest work firstMany of us like to do the easy things first to build our confidence. That's fair enough. The only challenge with this approach is that you use up your primary energy at the start of any study period. So if you are dealing with the easy parts with your primary energy, your batteries will be low when it comes the time to deal with the hard part. So what happens then? 29.________We all do it. We really shouldn't, though. So develop the habit of giving your primary energy to the hard tasks and completing the easy stuff last.30．________Do we really have to explain this? Just turn them off for an hour. We promise the world will still be there when you log back in! Don't text your friends, don't chat while doing memory activities，don't make phone calls, and just focus on what you're doing. Even if you focus on work for 15 minutes followed by 5 minutes of chatting, it's better than 30 minutes of work while also chatting! You get that right?A．Taking breaks can make you get everywhere.B．You get tired and impatient and just give up.C．Positive habits decide future success.D．Plan your studyE．Taking breaks will make you energetic again and refresh your mind.F．Get off social networking sites and turn off the phoneG．Achieve your goal【答案】26.E27.D28.C29.B30.FAlbert Einstein offered us more than just the amazing theory of relativity and E＝mc2. Through his persistence in his discoveries in science, Einstein shined a light on how each of us can do the impossible by working hard, experiencing failure, and valuing people.11.________●Simplify your workIf you can't explain to a six－year－old, you don't understand it yourself.—Albert Einstein The more complicated you have to make something seem, the more you do not understand the inner working of it. 12.________ Did they make even the most complicated topic full of vocabulary that you did not understand or did they make it easier to understand by simplifying?●Live in the presentI ne v er think of the future—it comes soon enough.—Albert Einstein13．________ You can try to get yourself worried about the future and make plans that may not work out according to plans. What matters most is living now, today. Do your best right now and do not worry about tomorrow.●Work towards the impossibleOnly those w ho attempt the absurd can achie v e the impossible.—Albert EinsteinIf it seems ridiculous to others and you are willing to take the risk, then you are able to achieve the impossible. 14.________ You complete what was once an obstacle.●Value peopleLife isn't w orth li v ing, unless it is li v ed for someone else.—Albert EinsteinIf you put people first, they will value you and consider you a person who genuinely cares about others. 15.________ Show them that you value them. Thank them and send complimentstheir way. It will not only make their day better, but they will appreciate it and remember what you have done for them.A．Spend at least a few minutes out of your busy day talking with people without any distraction.B．Scientists in different fields are interested in the unique theory of relativity.C．When you go beyond what others think is reasonable, an amazing thing starts to happen.D．Think differently, and you may find your answer.E．Even if you are not a scientist, you can apply these life lessons to your own life.F．You are only guaranteed the moment that you have right now, at this moment.G．Think about the best teachers that you have had in your life.【答案】11.E12.G13.F14.C15.ALife comes in a package. This package includes happiness and sorrow, failure and success, hope and despair. Life is a learning process. Experiences in life teach us new lessons and make us better.LoveLove plays a key role in our life. Love makes you feel wanted. Without love, a person could become cruel and violent. In the early stage of our life, our parents are the ones who shower us with unconditional love and care. They tell us what is right or wrong, good or bad. 11.________. It is only after marriage and having kids that a person understands and becomes sensitive to the feelings of others. Kids make a person responsible and mature and help us to understand life better.Happiness and sorrowMaterialistic happiness is short－lived, but happiness achieved by bringing a smile to others gives a certain level of fulfilment. 12.________. No mind is happy without peace. We realize the true worth of happiness when we are in sorrow. Sorrow is basically due to death of a loved one, failure and despair. But these things are temporary and pass away.Failure and success13．________. It helps us to touch the sky, teaches us to survive and shows us a specific way.Hope and despairHope is what keeps life going. Parents always hope their children will do well. Hope makes us dream. Hope builds in patience.14.________，because after every night there is a day. Nothing remains the same. We have only one choice—keep moving on in life and be hopeful.Life teaches us not to regret over yesterday, for it has passed and is beyond our control. Tomorrow is unknown, for it could be either right or dull.15.________，so that we will enjoy a better tomorrow.A．Life teaches us not to despair even in the darkest hourB．So the only alternative is working hard todayC．But we always tend to take this for grantedD．Success lies in trusting yourselfE．So let's enjoy every dayF．Failure is the path to successG．Peace of mind is the main link to happiness【答案】11.C12.G13.F14.A15.BWe've all been hurt by another person at one time or another. This pain causes problems. It not only causes us to be unhappy, but can ruin relationships, distract(使分心) us from work and family and other important things, and make us unwilling to open up to new things and people. We need to learn to let go. 11.________Forgiveness does not mean you erase the past, or forget what has happened. All it means is that you are letting go of the anger and the pain, and moving on to a better place. It's not easy, but you can learn to do it.12．________ Think of all the problems this pain causes you，and realize you need to change. Then think of the benefits of forgiveness—how it will make you happier, free you from the past and the pain, and improve things with your relationships and life in general.Try to put yourself in that person's shoes. Try to understand why the person did what he did. What could he have felt as he did it, and what did he feel afterwards? 13.________ You aren't saying what he did is right, but are instead trying to understand.Understand your responsibility. 14.________ This isn't to say you're taking all the blame, or taking responsibility away from the other person, but to realize that we are not victims but participants in life.15．________ As you focus on the present, try focusing on your breathing. Imagine each breath going out is the pain and the past, and imagine each breath coming in is peace, entering you and filling you up.A．How does he feel now?B．Of course，we can push it aside.C．Allow peace to enter your life.D．Think about the advantages and disadvantages.E．We need to be able to forgive，so we can move on and be happy.F．And，thus，the deeper the relationship，the deeper it hurts when others wound us.G．Try to figure out how you could have been partly responsible for what happened.【答案】11.E12.D13.A14.G15.C根据短文内容，从短文后的选项中选出能填入空白处的最佳选项。
信用社现金缴款单格式
信用社现金缴款单格式Credit unions play a crucial role in providing financial services to individuals and communities. When it comes to cash deposit slips, the format and information required can vary depending on the specific credit union’s policies and procedures. However, there are some common elements that are typically included in a cash deposit slip.在现代社会中，信用社作为金融机构的重要组成部分，在向个人和社区提供金融服务扮演着至关重要的角色。
当谈到现金存款单的格式时，具体的信用社政策和程序可能会导致格式和所需信息的差异。
然而，在现金存款单中通常会包括一些共同的元素。
One of the key components of a cash de posit slip is the depositor’s information. This typically includes the depositor’s name, account number, and contact information. This information is crucial for the credit union to accurately identify the depositor and credit the correct account with the deposited funds.现金存款单的一个关键组成部分是存款人的信息。
这通常包括存款人的姓名、账号和联系信息。
米什金货币金融学(英文)PPT (10)
Canadian Chartered Banks
© 2005 Pearson Education Canada Inc.
10-8
Permitted Ownership Structure
• Schedule I banks and big Schedule II banks (those with over $5 billion in equity capital) must be widely held: no individual can own more than 10% of any class of shares • Small Schedule II banks with equity capital less than $1 billion don’t have to be widely held --- that is, may have a significant shareholder (more than 10%) • Small Schedule II banks with equity capital in excess of $1 billion have to be at least 35% widely held
1. Easier to use securities markets to raise funds: commercial paper, junk bonds, securitization 2. Finance companies more important because easier for them to raise funds
© 2005 Pearson Education Canada Inc. 10-9
第一单元 考试题 西南财经大学天府学院
Financial Markets and Institutions, 7e (Mishkin)Chapter 1 Why Study Financial Markets and Institutions?1.1 Multiple Choice1) Financial markets and institutionsA) involve the movement of huge quantities of money.B) affect the profits of businesses.C) affect the types of goods and services produced in an economy.D) do all of the above.E) do only A and B of the above.Answer: D2) Financial market activities affectA) personal wealth.B) spending decisions by individuals and business firms.C) the economy's location in the business cycle.D) all of the above.Answer: D3) Markets in which funds are transferred from those who have excess funds available to those who havea shortage of available funds are calledA) commodity markets.B) funds markets.C) derivative exchange markets.D) financial markets.Answer: D4) The price paid for the rental of borrowed funds (usually expressed as a percentage of the rental of $100 per year) is commonly referred to as theA) inflation rate.B) exchange rate.C) interest rate.D) aggregate price level.Answer: C5) The bond markets are important becauseA) they are easily the most widely followed financial markets in the United States.B) they are the markets where interest rates are determined.C) they are the markets where foreign exchange rates are determined.D) all of the above.Answer: B6) Interest rates are important to financial institutions since an interest rate ________ the cost of acquiring funds and ________ the income from assets.A) decreases; decreasesB) increases; increasesC) decreases; increasesD) increases; decreasesAnswer: B7) Typically, increasing interest ratesA) discourages individuals from saving.B) discourages corporate investments.C) encourages corporate expansion.D) encourages corporate borrowing.E) none of the above.Answer: B8) Compared to interest rates on long-term U.S. government bonds, interest rates on ________ fluctuate more and are lower on average.A) medium-quality corporate bondsB) low-quality corporate bondsC) high-quality corporate bondsD) three-month Treasury billsE) none of the aboveAnswer: D9) Compared to interest rates on long-term U.S. government bonds, interest rates on three-month Treasury bills fluctuate ________ and are ________ on average.A) more; lowerB) less; lowerC) more; higherD) less; higherAnswer: A10) The stock market is important becauseA) it is where interest rates are determined.B) it is the most widely followed financial market in the United States.C) it is where foreign exchange rates are determined.D) all of the above.Answer: B11) Stock prices since the 1980s have beenA) relatively stable, trending upward at a steady pace.B) relatively stable, trending downward at a moderate rate.C) extremely volatile.D) unstable, trending downward at a moderate rate.Answer: C12) The largest one-day drop in the history of the American stock markets occurred inA) 1929.B) 1987.C) 2000.D) 2001.Answer: B13) A declining stock market index due to lower share pricesA) reduces people's wealth and as a result may reduce their willingness to spend.B) increases people's wealth and as a result may increase their willingness to spend.C) decreases the amount of funds that business firms can raise by selling newly issued stock.D) both A and C of the above.E) both B and C of the above.Answer: D14) Changes in stock pricesA) affect people's wealth and their willingness to spend.B) affect firms' decisions to sell stock to finance investment spending.C) are characterized by considerable fluctuations.D) all of the above.E) only A and B of the above.Answer: D15) (I) Debt markets are often referred to generically as the bond market.(II) A bond is a security that is a claim on the earnings and assets of a corporation.A) (I) is true, (II) false.B) (I) is false, (II) true.C) Both are true.D) Both are false.Answer: A16) (I) A bond is a debt security that promises to make payments periodically for a specified period of time.(II) A stock is a security that is a claim on the earnings and assets of a corporation.A) (I) is true, (II) false.B) (I) is false, (II) true.C) Both are true.D) Both are false.Answer: C17) The price of one country's currency in terms of another's is calledA) the foreign exchange rate.B) the interest rate.C) the Dow Jones industrial average.18) A stronger dollar benefits ________ and hurts ________A) American businesses; American consumers.B) American businesses; foreign businesses.C) American consumers; American businesses.D) foreign businesses; American consumers.Answer: C19) A weaker dollar benefits ________ and hurts ________A) American businesses; American consumers.B) American businesses; foreign consumers.C) American consumers; American businesses.D) foreign businesses; American consumers.Answer: A20) From 1980 to early 1985 the dollar ________ in value, thereby benefiting American ________A) appreciated; businesses.B) appreciated; consumers.C) depreciated; businesses.D) depreciated; consumers.Answer: B21) Money is defined asA) anything that is generally accepted in payment for goods and services or in the repayment of debt.B) bills of exchange.C) a riskless repository of spending power.D) all of the above.E) only A and B of the above.Answer: A22) The organization responsible for the conduct of monetary policy in the United States is theA) Comptroller of the Currency.B) U.S. Treasury.C) Federal Reserve System.D) Bureau of Monetary Affairs.Answer: C23) The central bank of the United States isA) Citicorp.B) The Fed.C) Bank of America.D) The Treasury.24) Monetary policy is chiefly concerned withA) how much money businesses earn.B) the level of interest rates and the nation's money supply.C) how much money people pay in taxes.D) whether people have saved enough money for retirement.Answer: B25) Economists group commercial banks, savings and loan associations, credit unions, mutual funds, mutual savings banks, insurance companies, pension funds, and finance companies together under the heading financial intermediaries. Financial intermediariesA) act as middlemen, borrowing funds from those who have saved and lending these funds to others.B) produce nothing of value and are therefore a drain on society's resources.C) help promote a more efficient and dynamic economy.D) do all of the above.E) do only A and C of the above.Answer: E26) Economists group commercial banks, savings and loan associations, credit unions, mutual funds, mutual savings banks, insurance companies, pension funds, and finance companies together under the heading financial intermediaries. Financial intermediariesA) act as middlemen, borrowing funds from those who have saved and lending these funds to others.B) play an important role in determining the quantity of money in the economy.C) help promote a more efficient and dynamic economy.D) do all of the above.E) do only A and C of the above.Answer: D27) Banks are important to the study of money and the economy because theyA) provide a channel for linking those who want to save with those who want to invest.B) have been a source of financial innovation that is expanding the alternatives available to those wanting to invest their money.C) are the only financial institution to play a role in determining the quantity of money in the economy.D) do all of the above.E) do only A and B of the above.Answer: E28) Banks, savings and loan associations, mutual savings banks, and credit unionsA) are no longer important players in financial intermediation.B) have been providing services only to small depositors since deregulation.C) have been adept at innovating in response to changes in the regulatory environment.D) all of the above.E) only A and C of the above.29) (I) Banks are financial intermediaries that accept deposits and make loans.(II) The term "banks" includes firms such as commercial banks, savings and loan associations, mutual savings banks, credit unions, insurance companies, and pension funds.A) (I) is true, (II) false.B) (I) is false, (II) true.C) Both are true.D) Both are false.Answer: A30) ________ was the stock market's worst one-day drop in history in the 1980s.A) Black FridayB) Black MondayC) Blackout DayD) none of the aboveAnswer: B31) The largest financial intermediaries areA) insurance companies.B) finance companies.C) banks.D) all of the above.Answer: C32) In recent yearsA) interest rates have remained constant.B) the success of financial institutions has reached levels unprecedented since the Great Depression.C) stock markets have crashed.D) all of the above.Answer: C33) A securityA) is a claim or price of property that is subject to ownership.B) promises that payments will be made periodically for a specified period of time.C) is the price paid for the usage of funds.D) is a claim on the issuer's future income.Answer: D34) ________ are an example of a financial institution.A) BanksB) Insurance companiesC) Finance companiesD) All of the above35) Monetary policy affectsA) interest rates.B) inflation.C) business cycles.D) all of the above.Answer: D36) A rising stock market index due to higher share pricesA) increases people's wealth and as a result may increase their willingness to spend.B) increases the amount of funds that business firms can raise by selling newly issued stock.C) decreases the amount of funds that business firms can raise by selling newly issued stock.D) both A and B of the above.Answer: D37) From the peak of the high-tech bubble in 2000, the stock market ________ by over ________ by late 2002.A) collapsed; 75%B) rose; 35%C) collapsed; 30%D) rose; 50%Answer: C。
信用证英语词汇
信用证常用词语的理解一. against 在L/C 中的高频率出现及正确理解。
我们常见的against 是介词, 通常意为“反对”( indicating opposite ion) , 例如:Public opinion was against the Bill. 舆论反对此法案。
The resolution was adopted by a vote of 30 in favor to 4 against it. 议以30 票同意、4 票反对获得通过。
另外还有“用. . . 交换, 用. . . 兑付”之意。
如:“the rates against U. S. dollars”中的against 就是指美元兑换率。
但在信用证中常出现的against 这个词及词义却另有所指, 一般词典无其释义及相关用法。
注意以下两个出现在信用证句中的against 之意, 其意思是凭. . . ”“以. . . ”(“take as the basis ” or meaning of “by”)。
而不是“以. . . 为背景”“反对”“对照”“兑换”或其他什么意思。
1. This credit valid until September 17, 2001 in Switzerland for payment available against the presentation of following documents . . . 本信用证在2001年9月17日在瑞土到期前, 凭提交以下单据付款. . . . . .2. Documents bearing discrepancies must no t be negotiated against guarantee and reserve. 含有不符点的单据凭保函或在保留下不能议付。
3. The payment is available at sight against the following documents. 凭下列单据即期付款。
大学英语听力专题训练
大学英语听力专题训练对待英语听力，我们要像对待花朵一般，在大学我们才能够取得进步。
下面是店铺给大家整理的大学英语听力专题训练，供大家参阅! 大学英语听力专题训练听力真题：Passage One26.A. Banks, government agencies and credit unions.B. Banks, deposit unions and money market funds.C. Banks, savings-and-loans and deposit unions.D. Banks, savings-and-loans and credit unions.30.A. Teachers working in the same city.B. Professors attending the same seminar.C. Colleagues working for the same government agency.D. Experts studying the same subject.31.A. Certificates of deposit.B. Savings account.C. Money market funds.D. Credit unions.听力原文：Passage OneSaving money is a first step toward wealth. Puttingmoney away for the future also supports the bankingsystem. Banks need a supply of savings to providemoney for loans. In the United States, people whowant to start a savings have many choices.[26]Banks, savings-and-loans and credit unions aretraditional places to open an account. [27]Creditunions are cooperatives forpeople who are linked in some way. For example, the members maywork for a university or a government agency. Most credit unions are non-profit organizations.Savers have their money guaranteed up to one hundred thousand dollars. Banks and otherfinancial organizations pay interest on savings accounts. But the interest rates are low.Certificates of deposit are another way to save. They pay higher interest rates. With a certificateof deposit, a person agrees not to withdraw an amount of money for a period of time. Theterm could be three months, or it could be several years. Longer terms, and larger amounts,pay higher interest. People can withdraw their money early but at a cost. Another way to saveis through a money market fund. This is a kind of mutual fund. Mutual funds invest moneyfrom many people. Money market funds pay higher interest than savings accounts. The moneyis usually placed in short-term government securities. [28]Money market funds, however, maynot be federally guaranteed like other kinds of savings.答案解析：Questions 26 to 28 are based on the passage you have just heard.26. What are the traditional places to open an account in the United States?[D]解析：短文中说到：传统的可以开账户的场所是银行、储蓄与贷款协会以及信贷互助会。
大学英语听力真题
大学英语听力真题大学的学生性格各异，所以它们训练英语听力的方式不同也是很正常的。
下面是给大家整理的大学英语听力真题，供大家参阅！大学英语听力真题材料听力真题：Conversation Two23.A. Friends.B. Coworkers.C. Interviewer and interviewee.D. Doctor and patient.24.A. He thought Art was useless.B. He was offered a job in a big accounting firm.D. He wanted to go to London to study Art.D. He wanted to do some interesting things.25.A. Doing a lot of photography.B. Going to concerts frequently.C. Playing traditional jazz and folk music.D. Traveling in Africa.听力原文:Conversation TwoW: Good morning, Mr. Pitt. Do sit down.M: Thank you.W: First of all, Mr. Pitt, [23]I d like you to tell me a bit about what you ve been doing.M: Well, I took four subjects in school: French, German, Chemistry and, uh, Art. Chemistry wasn t my cup of tea but Art has always been.W: Art?M: Well, I really wanted to study Art. [24]It didn t turn out like that because a friend of my father s offered me a job -he s an accountant in London. A quite big firm, you know.W: I see. A firm of accountants. Interesting! [23]In your application, you say that you only spent nine months with this firm of accountants. Why was that?M: It was nearly a year actually. Well, to be quite honest, I didn t like it. Ijust couldn t seem to get interested in the job although there were fairly good prospects. So I got a place at the Art College to do a thre-year diploma course.W: I see. Now, Mr. Pitt, what about hobbies and interests? Uh, what do you do in your spare time?M: I like jazz, traditional and folk music. I don t play, of course, [25]but I go to quite a lot of concerts, and I go to the theatre occasionally and act a bit myself.I m in the local dramatic society. I read quite a lot and I ve done a bit of photography. Also, I ve traveled a lot-hitchhiked all over Europe-last year, that was...W: Very interesting, Mr. Pitt. I think that s all I wanted to ask about your back-ground.答案解析：Questions 23 to 25 are based on the conversation you have just heard.23. What might be the relationship between the woman and the man?[C]解析：应聘面试对话的一个重要特征是：面试人主要提问，受试人主要回答问题，对话内容以学习背景、工作经历为主，有时提到工作职责与报酬。
credit的用法及搭配
credit的用法及搭配一、credit的意义和基本用法1. credit的定义：Credit是一个多功能的英语单词，它可以作为名词或动词使用。
作为名词，credit常表示信任、声誉，也指代一个人或机构应获得的赞誉、认可或奖励。
作为动词时，credit可表示相信、归功于、赞颂或给予荣誉。
2. 基本用法：- 形容词修饰：可用来修饰名詞，表达有关信任度高低的概念。
例句：She is a credit to our family, always reliable and trustworthy.（她是我们家庭值得骄傲的人物，始终可靠且值得信赖。
）- 动词 + 名词短语：常与名詞短语搭配使用。
例句：I credit my success to hard work and perseverance.（我将我的成功归功于努力和毅力。
）- 被动结构：在被动结构中表示给予荣誉或赞扬。
例句：He was credited with saving the company from bankruptcy.（他因挽救公司免于破产而受到赞扬。
）二、credit与其他单词的搭配1. Credit card：信用卡是credit与card的搭配，表示一种支付方式，在购物或消费时使用信誉购买商品或服务，并在之后按照约定期限偿还所欠款项。
例句：I used my credit card to book a flight online.（我用信用卡在线预订了机票。
）2. Creditworthiness：此词由credit与worthiness组成，指个人或机构的信誉程度、可信赖程度或偿还能力。
例句：The bank will assess your creditworthiness before granting you a loan.（银行将在向您批准贷款前评估您的信用程度。
）3. Credit score：这个词组一般指个人或企业的信用评级，是通过对其历史交易和借贷记录进行计算获得的数字结果。
银行招聘考试常用英语词汇
account number 帐目编号 depositor depositor 存户存户存户 pay-in slip pay-in slip 存款单存款单存款单 a deposit form a deposit form 存款单存款单存款单 a banding machine a banding machine 自动存自动存取机取机to deposit to deposit 存款存款存款deposit receipt deposit receipt 存款收据存款收据存款收据 private deposits 私人存款certificate of deposit 存单存单deposit book, passbook 存折存折credit card 信用卡 principal 本金 overdraft, overdraw overdraft, overdraw 透支透支透支 to counter sign to counter sign 双签双签双签to endorse 背书 endorser endorser 背书人背书人背书人 to cash to cash 兑现兑现兑现to honor a cheque to honor a cheque 兑付兑付兑付 to dishonor a cheque 拒付to suspend payment 止付 cheque,check 支票cheque book cheque book 支票本支票本支票本order cheque 记名支票 bearer cheque bearer cheque 不记名支票不记名支票不记名支票 crossed cheque crossed cheque 横横线支票线支票 blank cheque 空白支票 rubber cheque 空头支票 cheque stub, counterfoil 票根票根cash cheque 现金支票 traveler''s cheque 旅行支票支票cheque for transfer cheque for transfer 转帐转帐支票支票outstanding cheque 未付支票支票canceled cheque canceled cheque 已付支票已付支票已付支票 forged cheque 伪支票 Bandar''s note Bandar''s note 庄票银票庄票银票庄票银票banker banker 银行家银行家银行家 president president 行长行长行长savings bank 储蓄银行Chase Bank 大通银行 National City Bank of New York York 花旗花旗花旗 银行银行 Hongkong Shanghai Banking Corporation Banking Corporation 汇丰汇丰银行银行Chartered Bank of India, Australia andChina 麦加利银行 Banque de I''IndoChine 东方汇理银行东方汇理银行central bank, national bank, banker''s bank bank 中央银行中央银行中央银行bank of issue, bank of circulation of circulation 发行发行发行 币银行commercial bank commercial bank 商业商业银行，储蓄信贷 银行 member bank, credit bank 储蓄信贷银储蓄信贷银 行discount bank 贴现银行银行exchange bank 汇兑银行银行requesting bank 委托开证银行托开证银行issuing bank, opening bank 开证银行 advising bank, notifying bank 通知银 行 negotiation bank 议付银行confirming bank confirming bank 保兑保兑银行银行paying bank 付款银行associate banker of collection 代收银 行 consigned banker of collection 委托银 行clearing bank 清算银行 local bank 本地银行 domestic bank 国内银行 overseas bank 国外银行 unincorporated bank unincorporated bank 钱庄钱庄钱庄 branch bank 银行分行 trustee savings bank 信托储蓄银行托储蓄银行trust company trust company 信托公信托公司financial trust financial trust 金融金融信托公司信托公司unit trust unit trust 信托信托投资公司公司trust institution trust institution 银银行的信托部行的信托部credit department credit department 银银行的信用部行的信用部commercial credit company(discount company) 商业信贷公司（贴现公司）商业信贷公司（贴现公司） neighborhood savings bank, bank of deposit bank, bank of deposit 街街道储蓄所道储蓄所credit union credit union 合作银合作银行credit bureau credit bureau 商业兴商业兴信所信所self-service bank self-service bank 无无人银行人银行land bank land bank 土地土地银行银行 construction bank construction bank 建设银建设银行industrialandcommercial bank 工商银 行bankofcommunications 交通银行 mutual savings bank mutual savings bank 互助互助储蓄银行储蓄银行post office savings bank 邮局储蓄银行 mortgage bank, building society 抵押 银行industrial bank industrial bank 实业银行实业银行实业银行 home loan bank home loan bank 家宅贷款家宅贷款银行银行reserve bank 准备银行chartered bank 特许银行银行corresponding bank 往来银行往来银行merchant bank, accepting bank accepting bank 承兑银承兑银承兑银 行 investment bank investment bank 投资银行投资银行投资银行 import and export bank (EXIMBANK) 进出口银行 joint venture bank 合资银行银行money shop, native bank bank 钱庄钱庄钱庄credit cooperatives 信用社信用社clearing house 票据交换所交换所public accounting 公共会计公共会计business accounting 商业会计商业会计cost accounting 成本会计本会计depreciationaccounting 折旧会计 computerized accounting 电脑化会计电脑化会计general ledger 总帐 subsidiary ledger subsidiary ledger 分户帐分户帐分户帐 cash book 现金出纳帐 cash account 现金帐 journal, day-book 日记帐，流水帐帐，流水帐bad debts 坏帐investment investment 投资投资投资surplus surplus 结余结余结余idle capital 游资 economic cycle economic cycle 经经济周期济周期 economic boom 经济繁荣economic recession 经济衰退衰退economic depression 经济萧条经济萧条economic crisis economic crisis 经济经济危机危机economicrecovery经济复苏经济复苏inflation 通货膨胀 deflation 通货收缩 devaluation devaluation 货币贬值货币贬值货币贬值 收支revaluation 货币增值internationalbalance of payment 国际 favourable balance 顺差 adverse balance 逆差 hard currency 硬通货 soft currency 软通货 internationalmonetarysystem 国际货 币制度 the purchasing power of money money 货币购货币购货币购 买力买力money in circulation 货币流通量 note issue 纸币发行量 national budget national budget 国家预算国家预算国家预算 national gross product 国民生产总值国民生产总值public bond 公债 stock, share 股票 debenture debenture 债券债券债券treasury bill treasury bill 国库券国库券国库券 debt chain debt chain 债务链债务链债务链direct exchange 直接（对角）套汇接（对角）套汇indirect exchange indirect exchange 间间接（三角）套汇接（三角）套汇cross rate, arbitrage rate arbitrage rate 套套汇汇率汇汇率 foreign currency (exchange) reserve (exchange) reserve 外外 汇储备储备foreign exchangefluctuation 外汇波动 foreign exchange crisis 外汇危机外汇危机discount 贴现 discount rate, bank rate 贴现率贴现率gold reserve 黄金储备money (financial) market market 金融市场金融市场金融市场stock exchange 股票交易所交易所broker 经纪人 commission 佣金 bookkeeping簿记bookkeeper 簿记员 anapplication form 申请单 bank statement 对帐单 letter of credit 信用证信用证 strong room, vault 保险库equitable tax system 等价税则等价税则specimen signature 签字式样签字式样bankinghours,business hours business hours 营业时营业时营业时 间 1。
货币银行学单选题练习1-8单元
CH2
10) Which of the following can be described as involving direct finance? A) A corporation issues new shares of stock. B) A corporation buys commercial paper issued by another corporation. C) A pension fund manager buys commercial paper from the issuing corporation. D) All of the above. E) Both (b) and (c) of the above.
26) Markets in which funds are transferred from those who have excess funds available to those who have a shortage of available funds are called A) commodity markets. B) fund-available markets. C) derivative exchange markets. D) financial markets.
31) Budgets deficits can be a concern because they might A) ultimately lead to higher inflation. B) lead to a higher rate of money growth. C) lead to higher interest rates. D) cause all of the above to occur.
信用证中英文对照
信用证中英文对照一、基本术语对照1. 信用证（Letter of Credit，简称LC）2. 申请人（Applicant）3. 受益人（Beneficiary）4. 开证行（Issuing Bank）5. 通知行（Advising Bank）6. 议付行（Negotiating Bank）7. 付款行（Paying Bank）8. 保兑行（Confirming Bank）二、信用证类型对照1. 可撤销信用证（Revocable Letter of Credit）2. 不可撤销信用证（Irrevocable Letter of Credit）3. 即期信用证（Sight Letter of Credit）4. 远期信用证（Usance Letter of Credit）5. 可转让信用证（Transferable Letter of Credit）6. 循环信用证（Revolving Letter of Credit）7. 背对背信用证（BacktoBack Letter of Credit）8. 预支信用证（Anticipatory Letter of Credit）三、信用证关键条款对照1. 信用证金额（Credit Amount）英文：The total amount for which the Letter of Credit is issued.2. 信用证有效期（Validity of the Credit）英文：The date until which the Letter of Credit remains valid for presentation of documents.3. 交单期限（Period for Presentation）英文：The time frame within which the shipping documents must be presented to the bank.4. 货物描述（Description of Goods）英文：A detailed description of the merchandise covered the Letter of Credit.5. 装运条款（Shipment Terms）英文：The conditions under which the goods are to be shipped, including the latest date of shipment.6. 付款条件（Payment Terms）英文：The conditions under which the payment will be made, whether at sight or on a deferred basis.四、信用证相关单据对照1. 发票（Invoice）英文：A document issued the seller to the buyer, indicating the goods sold and their agreed prices.2. 提单（Bill of Lading，简称B/L）英文：A receipt issued the carrier to the shipper, acknowledging receipt of goods for transportation.3. 保险单（Insurance Policy）4. 检验证书（Inspection Certificate）5. 装箱单（Packing List）英文：A detailed list of the contents of each package, prepared the shipper.五、信用证操作注意事项对照1. 信用证条款审核（Review of Credit Terms）英文：Carefully examine the terms and conditions ofthe Letter of Credit to ensure they match the sales contract.2. 单据准备与提交（Preparation and Submission of Documents）英文：Prepare all required documents accurately and submit them to the bank within the specified time frame.3. 银行费用承担（Bank Charges）英文：Clarify which party is responsible for the bank charges associated with the Letter of Credit.4. 风险防范（Risk Prevention）英文：Be aware of potential risks such as discrepancies in documents, bank defaults, and changes intrade policies.六、信用证修改与撤销对照1. 信用证修改（Amendment to the Letter of Credit）英文：A formal request to change certain terms or conditions of the Letter of Credit after it has been issued.2. 信用证撤销（Cancellation of the Letter of Credit）英文：The act of terminating the Letter of Credit before its expiry date, if it is a revocable credit.七、信用证常见问题及解决方案对照1. 文件不符（Discrepancy in Documents）英文：When the documents presented do not conform to the terms and conditions of the Letter of Credit.解决方案：Rectify the discrepancies and resubmit the corrected documents within the allowed time frame.2. 信用证延期（Extension of the Letter of Credit）英文：Requesting an extension of the validity period of the Letter of Credit.解决方案：Coordinate with the applicant to request the issuing bank to extend the credit's validity.3. 信用证付款延迟（Delay in Payment）英文：When the payment under the Letter of Credit is not made on time the issuing bank.解决方案：Communicate with the issuing bank to expedite the payment process or seek assistance from the confirming bank, if applicable.八、信用证在国际贸易中的作用对照1. 降低交易风险（Reducing Transaction Risks）英文：The Letter of Credit provides a secure payment method, reducing the risk of nonpayment for the seller.2. 促进贸易便利化（Facilitating Trade）英文：By offering a guarantee of payment, the Letter of Credit facilitates smoother trade transactions between parties in different countries.3. 融资工具（Financing Instrument）英文：The Letter of Credit can be used the beneficiary to obtain financing from the bank before the actual payment is received.。
credit用法及固定搭配
credit用法及固定搭配credit可以作为名词或动词使用，常见的用法及固定搭配如下：名词用法：1. a credit：信用2. good credit：良好的信用3. bad credit：不良信用4. credit card：信用卡5. credit history：信用记录6. credit rating：信用评级7. credit score：信用分数8. credit report：信用报告9. credit limit：信用额度10. credit union：信用合作社动词用法：1. give credit to：归功于2. take credit for：对...表示感谢；为...得到认可3. earn credit：获得信用4. deserve credit：值得赞赏5. receive credit：获得赞扬或认可6. credit someone with something：把某事归功于某人固定搭配：1. line of credit：信用额度2. credit check：信用审查3. credit application：信用申请4. credit balance：信用余额5. credit bureau：信用局6. credit card debt：信用卡债务7. credit card statement：信用卡账单8. credit card fraud：信用卡欺诈9. credit card holder：信用卡持有人10. credit card payment：信用卡付款11. credit line increase：信用额度提高12. credit risk：信用风险13. credit terms：信用条件14. creditworthy individual：信誉良好的个人注意：以上仅列举了一些常见的用法和固定搭配，还有其他用法和搭配方式也存在。
讲与练6英语：UnitTheSe6
课时作业6Cultural Corner and Bulletin BoardⅠ。
单句语法填空1．In addition ________ the apples, he bought some oranges as well。
解析：in addition to 除了……之外.答案：to2．He managed ________ （set）aside some time to take exercise。
解析:manage 后跟不定式形式。
答案：to set3．He was happy ________ (see) his childhood friends.解析：形容词后跟不定式.答案：to see4．Because ________ the cold weather，some vegetables were frozen。
解析:because of 由于。
答案:of5．From then ________，he lived a cozy life。
解析：from then on 从那时起.答案:on6．He broke ________ an arm in the accident。
解析:break off 折断。
答案:off7．________ than take a crowded bus，he prefers to ride his electric bike.解析：rather than 而不是。
答案：Rather8．He cared ________ his sick wife。
解析:care for 照顾。
答案：for9．The ________ (protect）of the wildlife does good to humans.解析：名词作主语.答案：protection10．There are fifty people ________ board in all.解析：on board 在船上(飞机上等）。
信用社担保结清流程
信用社担保结清流程英文回答：Guarantee Discharge Process for Credit Unions.Request: Discharge of a guarantee secured by a credit union.Procedure:1. Determine the outstanding balance of the loan. The credit union will need to determine the current amount owed on the loan that is secured by the guarantee.2. Obtain a written request from the borrower to discharge the guarantee. The borrower must provide awritten request that includes the loan account number, the name of the guarantor, and a statement that the borrower is requesting the discharge of the guarantee.3. Review the creditworthiness of the borrower. The credit union will need to review the creditworthiness ofthe borrower to ensure that they are able to repay the loan without the need for the guarantee.4. Obtain a release of the guarantee from the guarantor. The guarantor must provide a written release of the guarantee that includes the loan account number, the nameof the guarantor, and a statement that the guarantor is releasing the guarantee.5. Record the discharge of the guarantee. The credit union will need to record the discharge of the guarantee in its records.Additional Information:The credit union may require the borrower to pay a fee to discharge the guarantee.The credit union may also require the borrower to provide additional collateral if the credit uniondetermines that the borrower's creditworthiness is not sufficient.中文回答：信用社担保结清流程。
金融信用相关词汇英文
金融信用相关词汇英文以下是 20 个金融信用相关的词汇、英语释义、短语、单词用法和双语例句：1. **Credit**- 释义：信用，信誉- 短语：credit rating（信用评级）- 用法：“The company has a good credit record.”（这家公司有良好的信用记录。
）- 例句：His credit score is excellent. （他的信用评分非常好。
）2. **Creditworthiness**- 释义：信用可靠程度，信誉度- 短语：assess creditworthiness（评估信誉度）- 用法：“The bank examines the creditworthiness of the borrower before lending.”（银行在放贷前会审查借款人的信誉度。
） - 例句：The company's creditworthiness was questioned by the investors. （该公司的信誉度受到了投资者的质疑。
）3. **Reputation**- 释义：声誉，名声- 短语：reputation for credit（信用声誉）- 用法：“The business has built a solid reputation for credit over the years.”（多年来，该企业在信用方面建立了坚实的声誉。
） - 例句：His reputation for honesty in business is well-known. （他在商业中的诚实声誉是众所周知的。
）4. **Debt**- 释义：债务，欠款- 短语：be in debt（负债）- 用法：“He has a large amount of debt.”（他有大量的债务。
） - 例句：The country is struggling with a huge national debt. （这个国家正为巨额国债而苦苦挣扎。
WeHaveAGiftForYou!-UnitedConsumersCreditUnion
Banking The Credit Union WayFall 2015United Consumers Credit Union is giving you the gift of one less bill to pay and some extra spending money!With our Skip-A-Payment program, you pay a processing fee of 10% of your payment or$50 (whichever is less), and put off your December or January paymentwithout penalty!* Don’t delay – the deadline for ourDecember Skip-A-Payment is November 20, and the deadline for the January Skip-A-Payment isDecember 18. Just fill out the convenient form, and turn it in before the request deadline to see if you qualify.Keep the money you would have spent on your payment(s) and celebrate with extra cash! Just think of all the things you could do; the possibilities are endless with our Skip-A-Payment program!We Have A Gift For You!1Offer ends 9/30/15, and is subject to member eligibility and creditworthiness. Approved members may defer loan payments for 90 days after loan signing. Interest will accrue during deferral period. Current UCCU loans ineligible for refinance. 2APR=AnnualPercentage Rate. Rates and terms are subject to membereligibility and creditworthiness.Contact the credit union for complete details.Name Account Number Co-Maker’s NameAddress City State Zip PhoneEmail AddressSignatureCo-Maker’s SignatureBanking is what you do, not where you do itBanking The Credit Union WaySkip-A-Payment Request Form(mark only one)J I want to skip my December 2015 payment (request deadline is November 20, 2015)J I want to skip my January 2016 payment (request deadline is December 18, 2015)XX*Does not apply to mortgage/home equity loans, credit cards, share/CD-secured loans or lines of credit. Account must be open for at least a six-month period with threestraight months of on-time payments to qualify. Eligibility based on member credit and other factors. Skip-A-Payment fee must be paid 10 days prior to loan due date to allow time for processing. Regular payments will resume with your January or February 2016 payment. Interest continues to accrue during deferment period. Loan maturity date will be extended for the number of months of the applied extension. If your auto loan has GAP insurance, please contact your insurance carrier to determine how a Skip-A-Payment may affect your coverage. Offer subject to approval and does not apply to the first payment of any loan. All applicable parties must sign the loan. The fee to skip a payment is 10% of your payment or $50, whichever is less. Contact the credit union for complete details.(mark only one)J Deduct from savings J Deduct from checking Get Extra Cash With Skip-A-PaymentEnjoy free document shredding and electronicrecycling. We’llaccept your personal papers as well as retired electronics. Stereos, speakers, DVD players,printers, copiers, scanners,gaming equipment, phones and accessories are all welcome! We won’t beable to take any tube TVs or computer monitors.Visit our website for complete details on this event. We look forward to seeing you there!S a t u rd ayN o v .7R a y t o w n b ra n c h 9 a .m . t o no o nOur New Susquehanna OfficeIs Now Open!Congratulations to our grand opening drawing winners:•Frances C. – $500 first prize •Paula N. – $350 second prize •Donald Z. – $150 third prizeThanks to the Independence Chamber of Commerce for supporting our ribbon-cutting event!Think of what you could do with extra funds during the holiday season! Visit loved ones, make your home its best, enjoy your gift giving…It’s all possible with United Consumers Credit Union’s holiday helper loan!Borrow $2,500 at rates as low as 8.95% with a UCCU 12-month holiday helper loan!*Our rate beats most credit cards and features agenerous loan amount that will be paid off before the next holiday season! There’s no better place to finance your dream holiday than United Consumers Credit Union. Apply today!*APR=Annual Percentage Rate. Offer valid 10/1/15-12/31/15, and is subject to member eligibility and creditworthiness. Contact the credit union for complete details.Fall Shred DayYour Student Could Be Awarded$1,500 For College!United Consumers Credit Union wants to help your student achieve his or her educational dreams. That’s why the credit union provides scholarships to student members who have worked diligently to achieve their goals. This year , we’re awarding two $1,500scholarships.To be eligible, applicants must beUCCU members in good standing, age 17 or older , and plan to attend a college or other accredited post-graduate program in the fall of 2016.*Scholarships are available for high school seniors as well as current college students. The winningapplicants will demonstrate a balanced combination of academic achievement,strong work ethic, educational, social and civic involvement and strong character .Application materials and complete scholarship information are available on the UCCU website at .Mail completed applications to the credit union at the following address:United Consumers Credit Union Attn: 2016 Scholarship Committee 1111 E. 23rd St.Independence, MO 64055Applications must be postmarked no later than March 11, 2016, to be eligible for consideration.July Community Kid WinnerThey’re all around us every day – great kids doing great things. United Consumers Credit Union has partnered with KQ2 in St. Joseph to reward young people each month for outstanding behavior and community involvement.Asher McCourt, age 6Asher makes his community a better place by cleaning up local parks, clearing garbage from the side of the road and donating his toys to kids living at the YMCA andSalvation Army shelters. He also likes to drop off get-well cards at the hospital, write thank-you cards to local heroes and participate in Special Olympics’ young athlete program.If you’d like to nominate a young person, visit/Communi-tyKid. Our Community Kid Award goes to children ages 6-11, and our Student in Action Award goes to those ages 12-18.Your Family Can Save With Sprint’s Credit Union Member DiscountSports equipment, college savings, movies and more – it can be expensive to be a parent these days. Why not save where you can and get a break on your family’s monthly data service with Sprint’s Credit Union MemberDiscount? Just for being a United Consumers Credit Union member , your family can save several ways:•Get a 10% discount on select regularly priced Sprint monthly data service •Have your activation fee waived on new lines ($36 savings) •Have your upgrade fee waived ($36 savings)•Mention Corporate ID: NACUC_ZZMTo keep saving with Sprint, you need to verify your credit union membership.There are four ways to do it:•Download the free Love My Credit Union Rewards app for Android or iPhone.I Find the app by searching for “Love My Credit Union Rewards”I The app will prompt you to black out all confidential information on your documents•Complete and fax the Sprint Verification Form (available online at/Sprint) and supporting documents to the Sprint Corporate Accounts: 913.523.1987 or toll free: 877.687.8211.•Visit /Verify from a mobile device.•Sign up for Sprint’s AutoPay using your credit union checking account or debit/credit card: .With everything you’re already paying for , Sprint’s Credit Union Member Discount offers you some savings! Visit /Sprint to learn more today.*Winners’ failure to comply with application and scholarship guidelines will result in scholarship forfeiture. Contact UCCU forcomplete details.Main Branch1111 E. 23rd St., Independence, MO 64055Truman Branch400 W. 24 Hwy., Independence, MO 64050Raytown Branch8730 E. 63rd St., Raytown, MO 64133New Susquehanna Branch 17911 E. 24 Hwy., Ste. B-1 Independence, MO 64056Fax ......................................816-796-7591Now with Saturday hours –visit for details.St. Joseph Branch724 N. Belt Hwy., St. Joseph, MO 64506Phone ..................................816-279-3693 Fax ......................................816-279-9674Olathe Branch 1105 W. Dennis Ave., Olathe, KS 66061Phone..................................913-782-1231 Fax ......................................913-782-1254Office LocationsPhone ..................................816-325-6900Toll Free............................1-800-580-9303Fax ......................................816-461-6355MAC24..................................816-461-3925(24-Hour Audio Response Telephone Access)CU For a complete listing of business hours, please visit our website, .Shared Branch LocationsUCCU is proud to be a part of CO-OP Shared Branch. You can conduct yourcredit union business at 22 shared branchlocations in the Greater Kansas City area and more than 5,000 locations nationwide. For a complete listing of these locations and their hours of business,go to .Banking is what you do, not where you do itBanking The Credit Union WayFree ATM LocationsUnited Consumers Credit Union is part of CO-OP ATM and the Alliance One Network,giving our members access to nearly 35,000surcharge-free ATMs nationwide. To find the ATM closest to you, go to .Board of Directors Term ExpiresRay Kline, Chairman2016Jared Fears, 1st Vice Chairman 2018Tracy Cox, 2nd Vice Chairman 2018Mike Welsh, Sec/Treas 2016Larry Brown 2017Mary Brown 2016Gordon Corn 2017Kevin Cummings 2018Vaughn Tribble2017Supervisory Committee Term ExpiresDonald Seaver , Chairman 2018Jose Diaz 2016Marvin Lewis 2018Leslie Milby 2016Reed Moorman2017Nominating CommitteeJared Fears, Chairman Tracy CoxKevin CummingsManagement TeamChris McCreary, PresidentJay Neathery, Executive Vice President John Pinzino, Senior Vice PresidentJana Magnuson, Senior Vice President of Finance Kelly Black, Human Resources/Training Director Esther Hinkle, Operations Director Rich Webster , IT DirectorKathey Atkinson, Financial Services Operations Director Charles Moore, Accounting DirectorBoard & Management StaffFederally Insured By NCUASEP15-463TPHoliday ClosingsOur offices will close to observe the following holidays:ThanksgivingThursday, November 26ChristmasFriday, December 25Saturday, December 26New Year’s Day Friday, January 1Remember , even when we are closed, you can still access your accounts with online and mobile banking, as well as your ATM or debit card.Speed Savings Event Emphasizes Personal FinanceIn August, United Consumers Credit Union partnered with Metropolitan Community College and other Kansas City-area credit unions for an event focused on teaching college students how to manage and pay off their loans upon graduation. Participants visited several stations, each tackling different topics: managing student loans, improving your credit score, budgeting and credit card management. To keep the students engaged, our staff had five minutes to explain each topic. We had a great time and enjoyed talking up the credit union!W e ’v eM o v e d ! e average Missourian who graduated college in 2013walked away with nearly $25,000 in student loan debt. Missouri ranks 33rd in national student loan debt.Pinzino Elected To Credit Union Service Organization BoardUnited Consumers Credit Union’s senior vice president of financial services, John Pinzino, was elected to Heartland Business Services’ board of managers in July . Heartland is an organization that helps provide business-lending services to Missouri credit unions. Pinzino has been with the credit union since 2012, but has more than 40 years of experience in the financial industry .。
高中英语真题-阅读理解寒假训练(5)
阅读理解寒假训练（5）阅读理解。
阅读下列短文, 从给的四个选项 (A、B、C和D) 中, 选出最佳选项。
It is difficult for parents of nearly every family to teach their chi ldren to be responsible for housework，but with one of the following suggestions，you really can get your children to help at home.If you give your children the impression that they can never d o anything quite right，then they will regard themselves as unfit or unable persons.U nless children believe they can succeed，they will never become totally independent.My daughter Carla’s fifthgrade teacher made every child in he r class feel special.When students received less than a prefec t test score，she would point out what they had mastered and declared fir mly they could learn what they had missed.You can use the same technique when you evaluate (评价) your child’s work at home.Don’t always scold and give lot s of praise instead.Talk about what he has done right，not about what he hasn’t done.If your child completes a difficult task，promise him a Sunday trip or a ball game with Dad. Learning is a process of trying and failing and trying and succ eeding.If you teach your children not to fear a mistake of failur e，they will learn faster and achieve success at last.1．The whole passage deals with________.A．social education B．school educationC．family education D．preschool education解析：本文一开头就点明了主题。
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Credit Unions Operation
Adoption of PEARLS by ILCA in 2003 Accounting ratio framework-44 ratios across 6 categories-13 key-means of mgt control and to improve the monitoring of the sector by the League Need to tailor to credit union size Empirical research-Irish evidence- Hyndman & Mc Killop at QUB Challenges- correct regulatory and supervisory framework, governance, accountability and reporting requirements
Regulation of credit unions
IFRSA established as sole regulatory authority for all fin service providers in May 2003Statutory position of Registrar of Credit Unions estab within this in Dec 2003 AND carries out its functions under Credit Union Act 1997 and a series of other Acts Administer the system of regulation and supervision of credit unions so as to protect members funds and maintain fin stability and well being; may give regulatory direction to unions, may authorise an inspection of a credit union, may appoint a director, may suspend directors or members of a supervisory committee; sets out the acc principles for prep of accounts; auditors report to be read at the credit unions AGM, auditors report to the board of dir and members of supervisory committee; annual accounts to be submitted to the Office of the Registrar- fin measures computed- recent measure for submission of quarterly returns, estimation of key compliance ratios and web based returns
Credit unions worldwide
Huge growth worldwide-great diversity-constant state of development Traditionally seen as a homogenous group now a different typology as some are at different stages of development including nascent stage, transition and mature stage Latter-more formulised, more extensive range of services and framework of accounting mechanism Umbrella body-World Council of Credit Unions
Credit Unions across Ireland
Credit Unions in ROI differ to those in NI Deemed more proactive, legislative environment more friendly CUDA now calling for same protection for members as bank customers where the CB deposit protection scheme protects the savings of bank customers by guaranteeing to pay 90%of their savings, up to €20k should the instit become insolvent-believe the SPS of ILCU is no longer adequate (up to €12,7000 at present) Approx 16 provide mortgages and further plan to do so; one of the largest St Raphael’s Garda Credit Union to provide mortgages and pensions from 2007 Challenge: to upgrade their IT systems, traditional model based on cheap loans now under threat, expansion of services feasible only via partnering with other institutions; CUDA report Nov 2006 credit unions ‘at a crossroad’, loss in market share, drop in usage by members, membership ageing and price comptetitiveness.
Hale Waihona Puke Credit Unions
Common bond-unique-members either live in same locality, work for a common employer, follow a similar occupation or have an association via membership of an organisation Benefit of members knowing each other-can exert moral pressure to ensure loans are repaid Crucial role in tackling financial exclusion Discounts on private health insurance, most give an interest rebate to customers with loans Members receive a dividend on their savings rather than interest Social consciousness –value driven which now appeals to more people-purest form of co-operative due to nature of relationship between members Free loan protection for borrowers and free life saving protection
Irish Credit Unions
In 1962 only 18 credit unions in existence 1990s 4 established every year on average Legislation- Credit Union Act 1995 in ROI Extended the range of services –fx, house insurance, travel insurance and private health insurance Today up to 600 unions, 3m members and over 12bn euro in savings Irish League of Credit Unions (ILCU)-non-statutory body1960-all Ireland dimension (530 unions-ROi and NI), 2.3m members, assets of £4100m-its mission- invests surplus funds via Davys stockbrokers; offers general insurance cover; provides a compulsory insurance service loan protection/life savings insurance-runs a savings protection scheme for members Each credit union must send a call report to the ILCU on a quarterly basis
Credit Unions
Loans account for 65% of asset volume while deposits and investments are held with commercial banks and other credit unions Attempts to integrate the IT systems to enable electronic funds transfers late 1990s-project known as ISIS-sig support-ran out of funs in 2001-£27m spent-abandoned Alternative body then established to ILCU, Credit Union Development Association (CUDA) in 2001alliance of 18 larger unions-300,000 members and £600m in assets-does not see itself as a service provider or as a monitor of member credit unions