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[originaltext]W: Good morning, High Mountain Savings and Loan. How may we help
[originaltext]W: Good morning, High Mountain Savings and Loan. How may we help
游客
2023-08-04
45
管理
问题
W: Good morning, High Mountain Savings and Loan. How may we help you?
M: Well, I’m looking for the highest rate possible on a short-term certificate to deposit an account.
W: Well, let’s see what we can do for you. High Mountain is currently offering a rate of 6.4% on a thirteen-week account for the minimum deposit of only 12,000 dollars, 6.55% on a minimum deposit of 25,000 dollars and 6.7% on a deposit of 50,000 dollars. Those will have yields of 6.55%, 6.71% and 6.87% respectively.
M: Rate and yield? I’m afraid I don’t understand the difference.
W: Well, sir. The rate is the percentage of simple interest paid on your money, and the yield is the total percentage you will receive on your account if you leave your money with us, for at least a year, at the same interest rate.
M: Oh, well…Urn…But I’m not interested in long-term investing and three months sounds just fine.
W: Then perhaps you’d like to open one of our high finance money market checking accounts. With the minimum balance of only 50,000 dollars, you’ll get interest of 6.1% on any amount over that, for a yearly yield of 6.27%. Of course, there’s no penalty for early withdrawal.
M: Er…No, thank you, I…
W: Or, could we persuade you to save with us if we offered you a dinning coupon book that will get you a 25% discount at many of the area’s leading restaurants and cost you only 12 dollars and 95 cents?
M: Look, I…I think I’ll just call around for more information. Thank you for your time.
5.What is the man’s purpose in making the phone call?
6.What can we know about rate and yield?
7.What is the man most interested in?
8.What did the woman do to persuade the man to deposit in her bank?
选项
A、There is no difference between rate and yield.
B、The man has a good understanding of rate and yield.
C、The rate is the percentage of simple interest paid on the money.
D、The yield is only influenced by the amount of money.
答案
C
解析
在对话中,当女士向男士说明了几种不同存款额及其利率和收益率之后,男士说自己不太明白利率和收益率的区别,接着女士进行了解释:利率是所支付的纯利息的百分比,而收益率则是指如果男士将钱存入她所在的银行至少一年,在利率不变的情况下将享受的全部收益的比率。由此可知,选项C为正确答案。A项和B项与对话内容不符,可排除。根据对话内容可知,利率的变化会影响收益率,所以D项错误。
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