问题 问答题

自动转账制度(ATS)

答案

参考答案:自动转账制度(ATS):指银行为规避央行对支票账户付息的管制而出现的存款业务的创新。主要方法是,客户在银行开立两个账户,一个是储蓄账户,用于支付利息;一个是活期存款账户,在客户开出支票后,银行自动把必要的金额从储蓄账户上转到活期存款账户上并进行付款,平时活期存款账户上的余额永远是1美元。最早出现在美国,由于美国为避免商业银行在揽存时进行不公平竞争,只对储蓄存款付息,对活期存款不准付息。但银行应对其他金融机构的竞争,争取客户存款,因此出现这个创新形式。

单项选择题 A1/A2型题
阅读理解

阅读理解

     It doesn't matter when or how much a person sleeps, but everyone needs some rest to stay alive.

That's what all doctors thought, until they heard about Al Herpin. Al Herpin, it was said, never slept.

Could this be true ? The doctors decided to see this strange man themselves.

     Al Herpin was 90 years old when the doctors came to his home in New Jersey. They thought for

sure that he got some sleep of some kind. So they stayed with him and watched every movement he

made. But they were surprised. Though they watched him hour after hour and day after day, they

never saw Herpin sleeping. In fact, he did not even own a bed. He never needed one.

     The only rest that Herpin sometimes got was sitting in a comfortable chair and reading newspapers.

The doctors were puzzled by this strange continuous sleeplessness. They found only one answer that

might explain his condition. Herpin remembered some talk about his mother having been injured

several days before he was born. But that was all. Was this the real reason? No one could be sure.

Herpin died at the age of 94.

1. The main idea of this passage is that _______.

A. a person was found who actually didn't need any sleep

B. large numbers of people do not need sleep

C. everyone needs some sleep to stay alive

D. people can live longer by trying not to sleep

2. The doctors came to visit Herpin, expecting to _______.

A. cure him of his sleeplessness

B. find a way to free people from the need of sleeping

C. find that his sleeplessness was not really true

D. find out why some old people didn't need any asleep

3. After watching him closely, the doctors came to believe that Al Herpin _______.

A. was too old to need any sleep

B. needed no sleep at all

C. often slept in a chair

D. needed some kind of sleep

4. One reason that might explain Herpin's sleeplessness was _______.

A. that he hadn't got a bed

B. that he had gradually got tired of the sleeping habit

C. his mother's injury before he was born  

D. his magnificent physical condition