2012年10月广东自考经贸英语真题02635

广东省2012年10月高等教育自学考试

经贸英语试题

课程代码：02635

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Ⅰ．Reading Comprehension (20%)

A．Read the passage and answer the questions．

Two other types of financial institutions offer some of the same services as commercial banks. One is a mutual savings bank. Although there are about 500 of these, they do business in only 17 states of the United States. Usually they have the word “savings” in their names. Farmers and Mechanics Savings Bank is an example.

Another type of financial institution that is like a bank in some ways is a savings and loan association. In some states, savings and loan associations are called “building and loan associations”. And in at least one state, Massachusetts, they are called “cooperative bank”.

 Both mutual savings banks and savings and loan associations are specialized savings institutions. In other words, their main function is to accept time deposits. Although they also make loans, both specialize in mortgages. A mortgage is a loan used to finance the purchase of property such as a home.

 Commercial banks also make mortgage loans. But, in addition, they are the major source of personal loans. These are loans to consumers who want to pay debts, make home repairs, take a vacation, or buy a car or furniture. Commercial banks are also the largest single source of credit