第1题
M I already mailed the paperwork, but it's really not a problem. You're approved for the larger amount, so you can always back off and purchase a cheaper policy.
W And what about the check I wrote you? That was for the more expensive policy.
M Don't worry. When our payment office receives it, they'll apply the difference as a credit towards the next payment.
Who most likely is the man?
A.A postal worker
B.An insurance agent
C.An accountant
D.A client
第2题
此题为判断题(对,错)。
第4题
(27)
A.Do you think the fruit costs too much there?
B.Do you think that farm sells fruit?
C.That farm isn't for sale, is it?
D.I like the fruit there, don't you?
第5题
Directions: Read the following four texts. Answer the questions below each text by choosing A, B, C or D. (40 points)
Generally a saving in energy consumption is insufficient incentive for the consumer to purchase new cooking equipment unless other improvements (e.g. shorter cooking periods, fewer cleaning difficulties and improved appearance) are available as well. For the individual, there is a natural reticence to incur rapid changes because of the valid economic desire to exploit existing capital investment to the maximum: this is the major problem with many proposed energy-thrift measures. However, caterers should appreciate that by reducing energy wastages; they will not only be saving money, but also improving the working environment within their kitchens.
Retro-fitting existing cookers with energy-conservation improvements in order to raise achievable efficiencies will occur only rarely. For the most immediate significant impact nationally, with respect to reducing the energy expended upon cooking, better management is recommended. Lawson suggested that about 16 PJ per year could be saved in the British catering sector by adopting improved operational practices. If only 10% of the energy used for catering purposes in the domestic sector could also be saved, overall national savings would amount to approximately 44 PJ per annum. To achieve this aim, a comprehensive and straight-forward program of energy-thrift education for housewives, cooks and kitchen managers is needed. This will require all concerned to exercise considerable personal discipline.
The present approach, whereby individuals make purchasing decisions mainly on visual and first-cost grounds-partly because the cooking appliance and food manufacturing industries rarely provide adequate scientific data to support their claims should be supplemented by other considerations. Food is too fundamental to human life, health and happiness to be considered an unworthy subject by intellectuals. For example, even the typical Briton (who tends to be casual about eating compared with most of his foreign counterparts) spends between 5% and 13% of his waking hours preparing, cooking and/or cleaning away after meals. Nevertheless, energy wastage prevails both on a national scale (e.g. storing vast quantities of food at sub-ambient temperatures in so-called food mountains); and on an individual scale (e.g. performing hob operations without placing lids on the pans employed).
If energy wastages are to be reduced, cooks______.
A.can only save money
B.should increase the cooking efficiency
C.need to have the knowledge of food manufacture
D.will enjoy better working environment in their kitchens
第6题
As the head of the credit department, the credit manager is responsible for seeing that the department operates effectively. He must develop the factor's credit policies in consultation with senior factoring associates, and he is in overall command of everything from credit and collections to bankruptcy and liquidations. If the factor is a commercial bank division, the credit manager is a bank's vice president, and credit policy must also be approved by top management of the bank,
Assisting the credit manager may be several supervisors who have credit responsibilities of their own and who also oversee the analysis and approval of customer orders by the credit specialists. Credit supervisors typically spend about eighty percent of their time handling large customer orders. If a customer order exceeds a supervisor's credit authority, he is responsible for making recommendations to the credit manager. A supervisor also reviews a subordinate' s credit decision if the subordinate is unsure of the extent of the credit risk or if a client questions a particular credit decision.
In extremely large credit exposures, supervisors bear the responsibility for analyzing the credit position of the customers and deciding on credit limits. To do this, they must regularly obtain current data from various credit information sources. They must also have extensive contact with each customer to determine operational performance and progress. Frequently, supervisors are called upon to give advice on what should be done to improve a company' s financial condition. Meeting all these responsibilities requires that each supervisor continuously observe and study the industries with which he is concerned, so that he is capable of anticipating market changes which may affect his accounts.
A supervisor's major challenge is to maintain a fine balance between the demands of clients that all their customer orders be approved and the questionable financial position of some of the customers. In reviewing any credit decision, a supervisor must be capable of weighing a variety of elements, including the possibility of losing the client, the customer' s credit position, and the extent of any possible loss.
What is the main idea of the passage?
A.The credit manager's responsibility.
B.The supervisor's responsibility.
C.The working procedures of a credit department.
D.The command and control in the credit department.
第7题
As the head of the credit department, the credit manager is responsible for seeing that the department operates effectively. He must develop the factor's credit policies in consultation with senior factoring associates, and he is in overall command of everything from credit and collections to bankruptcy and liquidations. If the factor is a commercial bank division, the credit manager is a bank's vice president, and credit policy must also be approved by top management of the bank.
Assisting the credit manager may be several supervisors who have credit responsibilities of their own and who also oversee the analysis and approval of customer orders by the credit specialists. Credit supervisors typically spend about eighty percent of their time handling large customer orders. If a customer order exceeds a supervisor's credit authority, he is responsible for making recommendations to the credit manager. A supervisor also reviews a subordinate's credit decision if the subordinate is unsure of the extent of the credit risk or if a client questions a particular credit decision.
In extremely large credit exposures, supervisors bear the responsibility for analyzing the credit position of the customers and deciding on credit limits. To do this, they must regularly obtain current data from various credit information sources. They must also have extensive contact with each customer to determine operational performance and progress. Frequently, supervisors are called upon to give advice on what should be done to improve a company's financial condition. Meeting all these responsibilities requires that each supervisor continuously observe and study the industries with which he is concerned, so that he is capable of anticipating market changes which may affect his accounts.
A supervisor's major challenge is to maintain a fine balance between the demands of clients that all their customer orders be approved and the questionable financial position of some of the customers. In reviewing any credit decision, a supervisor must be capable of weighing a variety of elements, including the possibility of losing the client, the customer's credit position, and the extent of any possible loss.
What is the main idea of the passage?
A.The credit manager's responsibility.
B.The supervisor's responsibility.
C.The working procedures of a credit department.
D.The command and control in the credit department.
第8题
As the head of the credit department, the credit manager is responsible for seeing that the department operates effectively. He must develop the factor's credit policies in consultation with senior factoring associates, and he is in overall command of everything from credit and collections to bankruptcy and liquidations. If the factor is a commercial bank division, the credit manager is a bank's vice president, and credit policy must also be approved by top management of the bank.
Assisting the credit manager may be several supervisors who have credit responsibilities of their own and who also oversee the analysis and approval of customer orders by the credit specialists. Credit supervisors typically spend about eighty percent of their time handling large customer orders. If a customer order exceeds a supervisor's credit authority, he is responsible for making recommendations to the credit manager. A supervisor also reviews a subordinate's credit decision if the subordinate is unsure of the extent of the credit risk or if a client questions a particular credit decision.
In extremely large credit exposures, supervisors bear the responsibility for analyzing the credit position of the customers and deciding on credit limits. To do this, they must regularly obtain current data from various credit information sources. They must also have extensive contact with each customer to determine operational performance and progress. Frequently, supervisors are called upon to give advice on what should be done to improve a company's financial condition. Meeting all these responsibilities requires that each supervisor continuously observe and study the industries with which he is concerned, so that he is capable of anticipating market changes which may affect his accounts.
A supervisor's major challenge is to maintain a fine balance between the demands of clients that all their customer orders be approved and the questionable financial position of some of the customers. In reviewing any credit decision, a supervisor must be capable of weighing a variety of elements, including the possibility of losing the client, the customer's credit position, and the extent of any possible loss.
What is the main idea of the passage?
A.The credit manager's responsibility.
B.The supervisor's responsibility.
C.The working procedures of a credit department.
D.The command and control in the credit department.
第9题
Text 3
Often referred to as "the heart of a factoring organization", the credit department is responsible for granting credit to clients' customers and for collecting the accounts receivable purchased by the factor. When factored clients submit customer orders for credit approval, the credit department analyzes the financial condition and credit worthiness of the customer, and then makes a decision to approve or decline the order. The department must then monitor the condition of approved customers and collect all due receivables. Careful credit checking and effective collection procedures in this department can greatly reduce the risks inherent in factoring.
As the head of the credit department, the credit manager is responsible for seeing that the department operates effectively. He must develop the factor' s credit policies in consultation with senior factoring associates, and he is in overall command of everything from credit and collections to bankruptcy and liquidations. If the factor is a commercial bank division, the credit manager is a bank' s vice president, and credit policy must also be approved by top management of the bank.
Assisting the credit manager may be several supervisors who have credit responsibilities of their own and who also oversee the analysis and approval of customer orders by the credit specialists. Credit supervisors typically spend about eighty percent of their time handling large customer orders. If a customer order exceeds a supervisor' s credit authority, he is responsible for making recommendations to the credit manager. A supervisor also reviews a subordinate' s credit decision if the subordinate is unsure of the extent of the credit risk or if a client questions a particular credit decision.
In extremely large credit exposures, supervisors bear the responsibility for analyzing the credit position of the customers and deciding on credit limits. To do this, they must regularly obtain current data from various credit information sources. They must also have extensive contact with each customer to determine operational performance and progress. Frequently, supervisors are called upon to give advice on what should be done to improve a company' s financial condition. Meeting all these responsibilities requires that each supervisor continuously observe and study the industries with which he is concerned, so that he is capable Of anticipating market changes which may affect his accounts.
A supervisor' s major challenge is to maintain a fine balance between the demands of clients that all their customer orders be approved and the questionable financial position of some of the customers. In reviewing any credit decision, a supervisor must be capable of weighing a variety of elements, including the possibility of losing the client, the customer' s credit position, and the extent of any possible loss.
第 31 题
What is the main idea of the passage?
A.The credit manager's responsibility.
B.The supervisor' s responsibility.
C.The working procedures of a credit department.
D.The command and control in the credit department.
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