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  3. Dear professor, Banks normally receive money from their customers in two distinct forms; on current account, and on deposit

Dear professor, Banks normally receive money from their customers in two distinct forms; on current account, and on deposit

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问题 Dear professor,
    Banks normally receive money from their customers in two distinct forms; on current account, and on deposit account. With a current account, a customer can issue personal cheques. No interest is paid by the bank on this type of account. With a deposit account, however, the customer undertakes (答应) to leave his money in the bank for a minimum specified period of time. Interest is paid on this money.
    The bank in turn lends the deposited money to customers who need capital. This activity earns interest for the bank, and this interest is almost always at a higher rate than any interest which the bank pays to its depositors. In this way the bank makes its main profits.
    We can say that the primary function of a bank today is to act as an intermediary (中间人) between depositors who wish to make interest on their savings, and borrowers who wish to obtain capital. The bank is a reservoir (水库) of loanable money, with streams of money flowing in and out. For this reason, economists and financiers often talk of money being" liquid" , or of the ’ liquidity ’ of money. Many small sums which might not otherwise be used as capital are made useful simply because the bank acts as a reservoir.
    The system of banking rests upon a basis of trust. Innumerable acts of trust build up the system of which bankers, depositors and borrowers are part. They all agree to behave in certain predictable ways in relation to each other, and in relation to the rapid fluctuations of credit and debit. Consequently, business can be done and cheques can be written without visibly changing hands.
The passage is mainly about______.
选项 A、how to make money
B、how to make use of bank
C、some basic knowledge of banks
D、trust system of banks
答案C
解析 主旨大意题。本文讲到了银行的营利方法、信用体系。这些都是有关银行的基本常识，故选C。A、B明显与文章内容不符，D是文章内容的一部分。
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