新东方在线网络课堂 职称英语 新东方在线 > 职称英语 > 职称英语综合类 > 概括大意与完成句子 > 正文

职称英语综合类-C级概括大意模拟练习(5)

2017-03-06 13:09:00 来源:新东方在线发表评论

2017年教师资格考试笔试真题和答题模板下载

  How Do American Consumers Borrow?

  Young consumers often have not established their credit ratings. Many do not have steady incomes. They might have difficulty borrowing money from an agency in business to make loans. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have to have money available and be willing to lend it. You might even get an interest-free loan. However, a parent or relative who lends should receive the same interest as any other lender. 

  There are disadvantages in borrowing from parents or relatives. One is that they may not insist on you paying back the money by a certain time. As a result, you might let the loan drag on. This is especially true if you are not required to pay interest. This is not a way to develop good credit habits.

  For most consumers, the cheapest place to borrow is at a commercial bank. Banks are a good source of installment loan which may run for 12 months or up to 30. Most banks also make single payment loans to consumers for short periods—30, 60, or 90 days. ? The newest type of bank loan is one that a depositor can get simply by writing a check. It is usually called something like “ready credit” or “reserved checking. ” It works like this. A depositor is given a limited amount of credit, usually between $500 and $1,000. He or she may write checks up to the amount allowed. Once a check has been written, the amount of the check becomes a loan. Usually no charge is made for interest until the loan is made. A typical interest rate is 3 cents per$100 per day, or just under 1 percent a month. Suppose that you used $100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.

  The advantage of borrowing from a bank is that banks generally charge lower rates than most other lenders. One reason is that banks have more strict credit requirements than most other lenders. A consumer must have a fairly good credit rating to get a bank loan.

  31 According to the first paragraph, young people

  A have difficulty borrowing from their parents or relatives.

  B can't get an interest-free loan from their parents or relatives.

  C always borrow money from an agency.

  D usually borrow from their parents or relatives.

  32 One of the disadvantages in borrowing from parents or relatives is that

  A parents or relatives will ask the young people to pay back soon.

  B it will not help young people to develop a good credit habit.

  C they always charge interest.

  D they always charge higher rates than other lenders.

  33 Most commercial banks offer

  A installment loans that may run from 12 to 30 months.

  B installment loans that may run from 30 to 90 days.

  C single-payment loans that may run from 30 to 90 days.

  D single-payment loans that may run from 12 to 30 months.

  34 “Ready credit” or “reserved checking”

  A is designed to give the depositor a check.

  B allows the depositor to write a check to pay any amount. 考试用书

  C allows the depositor to borrow money from a bank by writing a check.

  D allows the depositor to charge an interest.

  35 Which of the following is NOT true?

  A The newest type of bank loan is simple to get.

  B Bank loans are more difficult to get.

  C Banks charge higher interest rates.

  D Banks offer loans to those having a fairly good credit rating.

     本文选自新东方在线论坛。

本文关键字: 概括大意与完成句子

分享到:

职上网网络课堂全部课程

证券从业-职上网 【通关】无忧通关班(不过无条件退费) ¥1580 免费试听
【全科】全科零基础取证班(不过免费重读) ¥980 免费试听
【速效】全科速效通关班(刷题+直播) ¥580 免费试听
基金从业-职上网 【法规+基础+私募】零基础无忧通关班A(1对1辅导+退费) ¥1988 免费试听
【法规+基础】零基础无忧通关班B(1对1辅导+退费) ¥1399 免费试听
【法规+私募】零基础无忧通关班C(1对1辅导+退费) ¥1399 免费试听
【法规+基础+私募】零基础取证班A(不过免费重读) ¥1299 免费试听
【法规+基础】零基础取证班B(不过免费重读) ¥899 免费试听
【法规+私募】零基础取证班C(不过免费重读) ¥899 免费试听
【法规+基础+私募】速效通关班A(有基础+刷题) ¥799 免费试听
【法规+基础】速效通关班B(有基础+刷题) ¥599 免费试听
【法规+私募】速效通关班C(有基础+刷题) ¥599 免费试听
银行从业资格 【全科】零基础取证班-风险管理(视频+刷题) ¥899 免费试听
【全科】零基础取证班-个人理财(视频+刷题) ¥899 免费试听
【单科】风险管理(视频+刷题) ¥599 免费试听
【单科】个人理财(视频+刷题) ¥599 免费试听
【单科】银行业法律法规与综合能力(视频+刷题) ¥599 免费试听
期货从业资格 【全科】零基础取证班(视频+刷题) ¥899 免费试听
【单科】零基础取证班-《期货及衍生品基础》 ¥599 免费试听
【单科】零基础取证班-《期货法律法规汇编》 ¥599 免费试听
银行校招 【暑假班】银行暑期专项特训(未进笔试面试退费) ¥7800 免费试听
【就业】直达银行协议班(未拿到银行OFFER全退费) ¥19800 免费试听
【网申】2017网申通关课程(非协议) ¥99 免费试听
【网申】网申简历1对1(签协议不过全退) ¥1480 免费试听
【网申笔试】网申笔试通关班(未进笔试面试退费) ¥5800 免费试听
【笔试】银行笔试通关班(录播+直播+题库+讲义) ¥1680 免费试听
【面试】面试VIP班(录播+直播+1对1)-不过退费 ¥4280 免费试听
会计 CPA考试会计从业初级职称中级职称内审师CIAACCA考试CMA考试 USCPA考试
金融 CFA考试FRM考试

课程试听换一换

相关推荐

微博关注

版权及免责声明

1,"新东方在线"上的内容,包括文章、资料、资讯等, 本网注明"稿件来源:新东方在线"的,其版权 均为"新东方在线"或北京新东方迅程网络科技有限公司所有 ,任何公司、媒体、网站或个人未经授权不得转载、链接、转贴或以其他方式使用。已经得到 "新东方在线"许可 的媒体、网站,在使用时必须注明"稿件来源:新东方",违者本网站将依法追究责任。

2, "新东方在线" 未注明"稿件来源:新东方"的 文章、资料、资讯等 均为转载稿,本网站转载出于传递更多信息之目的,并不意味着赞同其观点或证实其内容的真实性。如其他媒体、网站或个人从本网站下载使用,必须保留本网站注明的"稿件来源",并自负版权等法律责任。如擅自篡改为 " 稿件来源:新东方 " ,本网站将依法追究其法律责任。

3,如本网转载稿涉及版权等问题,请作者见稿后在两周内与新东方在线联系。

  • 新东方在线教师资格考试微信
  • 1小时搞定结构化面试(中小幼)
  • 普通话专项突破课程

热点资讯更多>>

实用 • 工具

交流 • 下载

  • 职称英语备考资料下载
  • 职称英语备考资料下载
  • 职称英语备考资料下载
  • 职称英语复习必备

课程排行榜本周本月

公开课更多>>

2017职称英语改编题串讲 w 44分35秒
1 2017职称英语改编题串讲
2017职称英语阅读理解答题技巧 w 26分32秒
2 2017职称英语阅读理解答题技巧
2017职称英语完形填空答题技巧提炼 w 33分35秒
3 2017职称英语完形填空答题技巧提炼
2017职称英语通关中英文朗读篇 w 05分13秒
4 2017职称英语通关中英文朗读篇
2017年职称英语语法考点重点解析 w 21分17秒
5 2017年职称英语语法考点重点解析

新东方在线职称英语更多>>

推荐阅读