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Dear professor, Banks normally receive money from their customers in two distinct forms; o

Dear professor,

Banks normally receive money from their customers in two distinct forms; on current account, and on deposit account. With a current account, a customer can issue personal cheques. No interest is paid by the bank on this type of account. With a deposit account, however, the customer undertakes (答应) to leave his money in the bank for a minimum specified period of time. Interest is paid on this money.

The bank in turn lends the deposited money to customers who need capital. This activity earns interest for the bank, and this interest is almost always at a higher rate than any interest which the bank pays to its depositors. In this way the bank makes its main profits.

We can say that the primary function of a bank today is to act as an intermediary (中间人) between depositors who wish to make interest on their savings, and borrowers who wish to obtain capital. The bank is a reservoir (水库) of loanable money, with streams of money flowing in and out. For this reason, economists and financiers often talk of money being" liquid" , or of the ' liquidity ' of money. Many small sums which might not otherwise be used as capital are made useful simply because the bank acts as a reservoir.

The system of banking rests upon a basis of trust. Innumerable acts of trust build up the system of which bankers, depositors and borrowers are part. They all agree to behave in certain predictable ways in relation to each other, and in relation to the rapid fluctuations of credit and debit. Consequently, business can be done and cheques can be written without visibly changing hands.

On______, the bank will pay interest.

A．the current account

B．personal cheques

C．the deposit account

D．both the current and deposit account

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发布时间：2020-09-17

更多“Dear professor, Banks normally receive money from their customers in two distinct forms; o”相关的问题

第1题

Here are some expressions of the salutation (称呼) part in a letter.Please udge which one is right（）.

A.Dear Mr.Li:

B.Dear Professor Wang,

C.Dear Professor Wang:

D.DearMr.Li.

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第2题

阅读理解：阅读下面的短文，根据文章内容和所给信息将短文补充完整A THANK－YOU LETTERDear Profe

阅读理解：阅读下面的短文，根据文章内容和所给信息将短文补充完整

A THANK-YOU LETTER

Dear Professor Smith,

Many thanks for your _____(友好和热情)during _____ (我方代表团) recent visit to your university.

It was nice of you to introduce us to some famous professors and celebrated scholars at your university. We had a safe and sound trip home.

Now we _____ (重返工作岗位) our work.

Again, _____ (代表) the group, I would like to _____(对你和你的团队表示感谢). Meanwhile, I hope you will someday pay a visit to our university and give us more talks on “Modern Western Economics”.

Sincerely yours,

Tony Wang

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第3题

Governments that want their people to prosper in the burgeoning world economy should guara

ntee two basic rights: the right to private property and the right to enforceable contracts, says Mancur Olson in his book Power and Prosperity. Olson was an economics professor at the University of Maryland until his death in 1998.

Some have argued that such rights are merely luxuries that wealthy societies bestow, but Olson turns that argument around and asserts that such rights are essential to creating wealth. "Incomes are low in most of the countries of the world, in short, because the people in those countries do not have secure individual rights," he says.

Certain simple economic activities, such as food gathering and making handicrafts, rely mostly on individual labor; property is not necessary. But more advanced activities, such as the mass production of goods, require machines and factories and offices. This production is often called capital-intensive, but it is really property-intensive, Olson observes.

"No one would normally engage in capital-intensive production if he or she did not have rights that kept the valuable capital from being taken by bandits, whether roving or stationary," he argues. "There is no private property without government--individuals may have possessions, the way a dog possesses a bone, but there is private property only if the society protects and defends a private right to that possession against other private parties and against the government as well."

Would-be entrepreneurs, no matter how small, also need a government and court system that will make sure people honor their contracts. In fact, the banking systems relied on by developed nations are based on just such an enforceable contract system. "We would not deposit our money in banks ... if we could not rely on the bank having to honor its contract with us, and the bank would not be able to make the profits it needs to stay in business if it could not enforce its loan contracts with borrowers," Olson writes.

Other economists have argued that the poor economies of Third World and communist countries are the result of governments setting both prices find the quantities of goods produced rather than letting a free market determine them. Olson agrees that there is some merit to this point of view, but he argues that government intervention is not enough to explain the poverty of these countries. Rather, the real problem is lack of individual rights that give people incentive to generate wealth. "If a society has clear and secure individual rights, there are strong incentives (刺激，动力) to produce, invest, and engage in mutually advantageous trade., and therefore at least some economic advance," Olson concludes.

Which of the following is true about Olson？

A．He was a fiction writer.

B．He edited the book Power and Prosperity.

C．He taught economics at the University of Maryland.

D．He was against the ownership of private property.

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第4题

Over the past decade, thousands of patents have been granted for what are called business

methods. Amazon, com received one for its "one-click" online payment system. Merrill Lynch got legal protection for an asset allocation strategy. One inventor patented a technique for lifting a box.

Now the nation's top patent court appears completely ready to scale back on business-method patents, which have been controversial ever since they were first authorized 10 years ago. In a move that has intellectual-property lawyers abuzz, the U. S. Court of Appeals for the Federal Circuit said it would use a particular case to conduct a broad review of business-method patents. In re Bilski, as the case is known, is "a very big deal," says Dennis D. Crouch of the University of Missouri School of Law. It "has the potential to eliminate an entire class of patents.

Curbs on business-method claims would be a dramatic about-face, because it was the Federal Circuit itself that introduced such patents with its 1998 decision in the so-called State Street Bank case, approving a patent on a way of pooling mutual-fund assets. That ruling produced an explosion in business-method patent filings, initially by emerging Internet companies trying to stake out exclusive rights to specific types of online transactions. Later, more established companies raced to add such patents to their files, if only as a defensive move against rivals that might beat them to the punch. In 2005 , IBM noted in a court filing that it had been issued more than 300 business-method patents, despite the fact that it questioned the legal basis for granting them. Similarly, some Wall Street investment firms armed themselves with patents for financial products, even as they took positions in court cases opposing the practice.

The Bilski case involves a claimed patent on a method for hedging risk in the energy market. The Federal Circuit issued an unusual order stating that the case would be heard by all 12 of the court's judges, rather than a typical panel of three, and that one issue it wants to evaluate is whether it should "reconsider" its State Street Bank ruling.

The Federal Circuit's action comes in the wake of a series of recent decisions by the Supreme Court that has narrowed the scope of protections for patent holders. Last April, for example, the justices signaled that too many patents were being upheld for "inventions" that are obvious. The judges on the Federal Circuit are "reacting to the anti-patent trend at the Supreme Court," says Harold C. Wegner, a patent attorney and professor at George Washington University Law School.

Business-method patents have recently aroused concern because of ______.

A．their limited value to businesses.

B．their connection with asset allocation.

C．the possible restriction on their granting.

D．the controversy over their authorization.

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第5题

A．wearB．tearC．bearD．dear

A.wear

B.tear

C.bear

D.dear

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第6题

Why did the writer mention Mr. Darling Dear in this passage？A．Because Mr. Dear lived in Wi

Why did the writer mention Mr. Darling Dear in this passage？

A．Because Mr. Dear lived in Wisconsin.

B．When Mr. Dear got married, he felt very happy, then he changed his name.

C．Because the name sounds strange.

D．Because Mr. Darling Dear was a citizen in Wisconsin.

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第7题

dear下面哪个意思不对（）

A.亲爱的

B.鹿

C.哎呀

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第8题

——Let's make a home library！——（）

A.Oh dear

B.That's great

C.You're welcome

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第9题

A. used B. need C. ought D. dear

A.used

B. need

C. ought

D. dear

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