2. 职称英语
  3. [originaltext] A certificate of deposit (CD) is a time deposit with a bank.

[originaltext] A certificate of deposit (CD) is a time deposit with a bank.

游客2025-06-19  24
问题  
A certificate of deposit (CD) is a time deposit with a bank. Time deposits may not be withdrawn on demand like a check account. CDs are generally issued by commercial banks but they can be bought through brokerages. They bear a specific maturity date that usually lasts from 3 months to 5 years, a specified interest rate, and can be issued in any denomination, very similar to bonds. CDs offer a slightly higher yield than T-Bills because of the slightly higher default risk for a bank, but overall the likeliness of a large bank going broke is pretty slim. Of course, the amount of interest you earn depends on a number of factors such as the current interest rate environment, how much money you invest, the length of time, and your specific bank.
24. What is a CD?
25.Which of the followings generally issue CDs?
26.How long does a specific maturity usually last?
27.Why do CDs pay higher return to investors than T-bills?
选项 A、T-bills are safer than CDs.
B、T-bills are easy to trade.
C、CDs have greater liquidity than T-bills.
D、CDs are safe because the FDIC guarantees their investments.
答案 A
解析 录音原文提到CDs offer a slightly higher yield than T-Bills because of the slightly higher default risk for a bank，…尽管银行破产的可能性极小，但其违约风险还是稍微大于国家，因此大额定期存单收益较国库券收益高。
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