What is the main function of deposit insurance fund?A．To ensure that the banks have sufficient fund to finance other economic sectors.B．To protect the banks from all kinds of risks arising from their operation.C．To meet requirements of financial needs of
题目
What is the main function of deposit insurance fund?
A．To ensure that the banks have sufficient fund to finance other economic sectors.
B．To protect the banks from all kinds of risks arising from their operation.
C．To meet requirements of financial needs of the public.
D．To pledge to depositors that their money is safe whenever a bank is insolvency.
相似考题
参考答案和解析
解析：文章最后一段提到deposit insurance fund to guarantee bank depositors that they will get their money back in the event of a bank failure. deposit insurance fund(存款保险金)的作用是当银行面临风险的时候能保证储户的利益。
更多“What is the main function of deposit insurance fund?A．To ensure that the banks have sufficient fund to finance other economic sectors.B．To protect the banks from all kinds of risks arising from their operation.C．To meet requirements of financial needs of ”相关问题
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第1题：
A sound bank will not suffer from the bankruptcy of other unrelated banks.
A．Right
B．Wrong
C．Doesn't say
正确答案：C
解析：段落最后指出problems in one institution may have wider，systemic repercussions on others，or on the integrity of the payments system，并没有明确指出运营良好的银行不受其他无关银行破产的影响。 -
第2题：
Banks are subject to various forms of legal risk, including inadequate or incorrect (56) advice or documentation that may result in unexpected decline in the value of (57) or unexpected increase in the value of liabilities. In addition, existing laws may (58) resolve legal issues involving a bank; a court case involving a (59) bank may have wider implications for banking business and involve costs to it and many or all other banks; and, laws (60) banks or other commercial enterprises may change. Banks are particularly susceptible to legal risks when entering new types of transactions and when the legal right of a counterpart to enter into a transaction is not established.
(41)
A．bank
B．financial
C．legal
D．governmental
正确答案：C
解析：句意：银行会面对多种形式的法律风险，包括不充分或不正确的法律建议或错误的法律文书。只有C选项符合题意。 -
第3题：
A high degree of official supervision and regulation on bank organizations are important because ______.
A．The governments of many countries want to control banks
B．There are too many troubles in banking sector
C．It is crucial to stabilize the financial sector and the whole economy
D．The banks make much more deposit insurance fund
正确答案：C
解析：文章第二段开关提到Effective supervision of banking organizations...in making payments and mobilizing and distributing savings. 银行在发放资金和资金存储上起着至关重要的作用。只有选项C与此意相同。 -
第4题：
Banks in international lending face the risks common to all banks: liquidity risk, interest rate risk, credit (asset) risk, and contingent liabilities risk.
A．Right
B．Wrong
C．Doesn't say
正确答案：C
解析：文章通篇提及银行面临的三类风险，并加以举例，并没有提及Banks in international lending。 -
第5题：
听力原文：M: Most banks tend to decline loan proposals which are highly speculative.
W: I think because the banks expect the loan to generate sufficient profit and positive cash-flow for themselves and for the clients.
Q: What will the banks usually do to the highly speculative loan proposals?
(15)
A．The banks will disapprove them.
B．The banks will approve them.
C．The Bank will benefit from the loans.
D．The bank will make profit from lending.
正确答案：A
解析：根据男士的话可知银行对投机性高的贷款申请的态度是“decline”，即“拒绝”，A项正确。 -
第6题：
短文理解
听力原文： The banking system of China evolved from a mono-banking system between the 1940s and the early 1970s. Not until 1978 did China's banking system make a drastic shift in its banking philosophy and structure. The shift is not only a necessity for the country's development, but also acts as a gesture showing the "openness" of the country to the outside world.
Today, after nearly forty years of rapid development, China is moving towards a modem and market-oriented banking structure although there is still much to be improved to meet the needs of the country's development.
In the mid 1990s, banks in China began to focus their attention on capital adequacy requirements, non-performing and bad loans, profitability and also the industry's overall expansion strategy. Reforms of monetary and financial system in China are speeding up in the 90s. Existing specialized banks gradually have become commercial banks.
21. What kind of banking system did China have before the 1980s?
22.Up to now, how long has China experienced rapid development?
23.What are the banks in China focusing their attention on?
(21)
A．The same system as in the western countries.
B．A mono-banking system.
C．A modern banking system.
D．A commercial banking system.
正确答案：B
解析：录音原文提到The banking system of China...between the 1940s and the early 1970s. 20世纪40年代至70年代，中国银行系统从单一系统起步慢慢发展。 -
第7题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
The money the insurance used to pay for an individual′ s loss comes from ___________.A.the premium paid by the person previously
B.the insurance company's investment
C.the premiums paid by other persons
D.all of the above答案：D解析：细节题。根据第二段中“The funds will come from the individual’s premium，the premium paid by others who did not have losses，and money from the company’s investment of all the premiums．”可知，A、B、C三项内容都包含在内。故选D。 -
第8题：
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
What is the charting authority of the USA for banks?（ ）A.FRA
B.Laws of states
C.Fed
D.OCC答案：C解析：本题考查细节理解。
【关键词】the charting authority of the USA; for banks
【主题句】
倒数第二段Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. 现在让我们看看联邦系统，通常被称为联邦储备银行或“美联储”，这是成立于1913年的美国中央银行。它决定了美国国会制定的准备金限额要求。美联储的职能是通过管理国家的货币供应来稳定经济。
倒数第一段The Federal Reserve Act （FRA） 1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last resort
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
1913年美国联邦储备法（FRA）规定了美联储的权力，除了正常的中央银行的目标外，还强调以下几点。
i管理美国的货币体系和货币供应；
ii提供资金作为最后贷款人；
iii提供高效的清算系统；
iiii提供严格的银行监督系统。
【解析】题目意为“美国银行管理当局是？”选项A意为“美国联邦储备法”；选项B意为“国家法律”；选项C意为“美联储”；选项D意为“通货审计官办公室”。根据主题句，美国银行受美联储来监管，因此选项C与题意相符。 -
第9题：
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
What is included in the commercial banking system of the USA?（ ）A.The Fed banks, the State banking and group banking.
B.The Fed banking, the state banking and group banking.
C.Unit banking, group banking and branch banking.
D.Specialized banks, group banking and unit banking.答案：C解析：本题考查细节理解。
【关键词】included in the commercial banking system of the USA
【主题句】
第一段最后一句Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking. 现在让我们看看商业银行的组织结构，其中包括单位银行，集团银行和分支银行。
【解析】题目意为“美国商业银行系统包括什么？”根据主题句，选项C与题意完全相符。 -
第10题：
共用题干
第三篇
Swiss Banks
Since the early 1930s,Swiss banks had prided themselves on their system of banking secrecy and numbered accounts.Over the years,they had successfully withstood every challenge to this system by their own government who, in turn,had been frequently urged by foreign governments to reveal information about the financial affairs of certain account holders.The result of this policy of secrecy was that a kind of mystique had grown up around Swiss banking. There was a widely-held belief that Switzerland was irresistible to wealthy foreigners,mainly because of its numbered accounts and bankers' reluctance to ask awkward questions of depositors.Contributing to the mystique was the
view,carefully propagated by the banks themselves,that if this secret was ever given up,foreigners would fall over themselves in the rush to withdraw money,and the Swiss banking system would virtually collapse overnight.
To many,therefore,it came like a bolt out of the blue,when,in 1977,the Swiss banks announced they had signed a pact with the Swiss National Bank(the Central Bank).The aim of the agreement was to prevent the improper use of the country's bank secrecy laws, and its effect to curb （遏制）severely the system of secrecy.
The rules which the banks had agreed to observe made the opening of numbered accounts subject to much closer scrutiny than before.The banks would be required,if necessary,to identify the origin of foreign fund going into numbered and other accounts.The idea was to stop such accounts being used for dubious（可疑的）purposes.Also,they agreed not to accept funds resulting from tax evasion or from crime.
The pact represented essentially a tightening up of banking rules.Although the banks agreed to end relations with clients whose identities were unclear or who were performing improper acts,they were still not obliged to inform on a client to anyone,including the Swiss government.To some extent,therefore,the principle of secrecy had been maintained.Swiss banks are tightening its banking rules by________.
A:examining the origin of foreign funds before going into accounts
B:preventing doubtful accounts from going into the bank
C:refusal of funds from crimes or tax evasions
D:all of the above答案：D解析：文章开头就提到“prided themselves on their system of banking secrecy and numbered accounts”，瑞士银行对他们的保密系统和编号账户体系引以为自豪，而且，多年来他们已经成功地抵制了对这一体制的挑战，内容与选项B吻合。
第一段的第四句提到，瑞士银行不会向其存款人提难堪的问题，由此推断，银行不会批评或者否定自己，相反，他们会为自己辫护，所以选D。 deny：否认，criticize：批评；银行既然维护了顾客的利益，没有理由受到批评，review：复习，意思不对。
文章一开始就提及了银行保密系统的问题，并列举了此问题带来的批评和所采取的措施。文章最后一句指出，在某种程度上，保密原则得以维持，由此可以判断，银行政策的改变只是表面的、肤浅的。
第三段说到银行的一揽子规定，下面的几句详细地描述了其采取的措施，选项A、B、C的信息不完整，正确答案为D，即前面几个选项提到的内容。
文章第二段中间提到一揽子计划的目的在于“to prevent the improper use of the country's bank secrecy laws”，即对银行保密系统的不恰当的利用，而A（吸引很多的富人）、C（增加瑞士银行的账户数量）、D（为瑞士银行增添神秘色彩）意思都不恰当，所以选B。 -
第11题：
You are designing an Active Directory site infrastructure to meet the bussiness and technical requirements. What should you do?（）
- A、Create one site for each office and each local bank.
- B、Create one site for all offices. Create one site for all local banks.
- C、Create one site for Amsterdam. Create one site for all branch office and all local banks.
- D、Create one site for Amsterdam. Create one site for the Utercht brach office. Create one site for that Hague branch office. Place half the local banks in the utercht site and half the local banks in the Hague site.
- E、Create one site for Amsterdam. Create one site for the Utercht brach office. Create one site for each local bank that has more than 50 users. Place all the other local banks in the Amsterdam Site.
正确答案:E -
第12题：
单选题Which of the following does the author think is essential to a healthy economy?AForeign banks entering local markets.
BDomestic banks channeling more fund on the international market.
CLocal banks lending more to businesses.
DBanks avoiding risky investments.
正确答案： C解析：
录音中提到如果政府允许国外投资，银行就可以发放更多的贷款给大小公司。但录音中接下来提到这样做的消极面是银行可能会变得过于急切，发放贷款的收益甚至无法抵消随之而来的风险，这样一来就会造成破产，由此可知在说话者看来对于健康的经济来说银行应该避免风险投资。
【录音原文】
Financial systems can be liberalized a lot without letting in hot money. If a government opens up to investment from abroad—allowing foreign banks to buy local institutions, say, or allowing domestic banks to raise money on international capital markets—local banks can lend more to businesses large and small. This matters, because bank credit is often the only source of finance for many firms. The downside is that banks may become over-eager and make loans on which the returns do not justify the risks. That can produce horrible busts. -
第13题：
How can we know the management of financial assets?
A．From the assets' area of special expertise.
B．From the portfolio of the assets.
C．From the scale of the assets.
D．From the reserve banks.
正确答案：B
解析：文章第二段提到a different type of portfolio of assets…in managing financial assets。资产组合能反映一定地区的资产管理状况。 -
第14题：
Why should banks need to establish formal operating procedures?
A．The supervisory authorities require them to do so.
B．The shareholders expect a reasonable return on their investment.
C．The banks have to keep safe large volume of monetary items raised from all sources.
D．The banks engage in a large volume and variety of transactions.
正确答案：C
解析：文章第一段提到Banking organizations have custody of large volume...individual discretion rigorous system of internal control. 银行监管大量的货币项目，如果管理不慎，这些monetary items就会遭到破坏，所以就需要建立一套完整的操作程序。因而C选项符合题意。 -
第15题：
What can we infer from the passage?
A．The Basle Committee's core principles require the minimum capital adequacy requirements.
B．The Basle Committee encourages banks to operate with capital of the minimum.
C．The Basle Committee helps bank supervisors to reduce the risk of loss.
D．The Basle Committee ensures banks to pursue the stability of the banking industry.
正确答案：D
解析：通读第二段，可知道巴塞尔委员会的《有效银行监管的核心原则》要求建立审慎和适当的最低资本充足要求，并且鼓励银行在最低资本金范围之上从事经营活动。所以D选项最接近该段的中心意思。 -
第16题：
What do large banks allow individual banks to do?
A．To sell credit cards to consumers.
B．To join their credit card network.
C．To provide other banking services.
D．To specialize in federal funds.
正确答案：B
解析：文章第一段提到Large banks may sell...join their credit card network. 大银行向消费者提供消费信用卡服务，并要求单个银行加入到信用卡网络中来。 -
第17题：
听力原文：M: What is a cheque card?
W: It was originally issued in UK. British banks started to issue cheque cards in 1965, and as from 1969 all the main commercial banks in Britain agreed to issue a standardized form. of cheque card.
Q: What happened to British banks in 1969?
(17)
A．All the main commercial banks in Britain agreed to issue a standardized form. of cheque card.
B．British banks started to issue credit cards.
C．Customers of British banks may cash their cheques in European countries.
D．Commercial banks in the United States began to issue cheque card.
正确答案：A
解析：根据女士回答：支票卡最先在1965年由英国银行发行，从1969年开始，英国各大商业银行协定发行标准化的支票卡。 -
第18题：
The correspondent bank can only make money for its services to other banks from deposit balances maintained by bank customers.
A．Right
B．Wrong
C．Doesn't say
正确答案：B
解析：文中第一句话The correspondent banks are paid indirectly,...as well as by direct money payments.可以看出。 -
第19题：
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
Which of the following is TRUE?（ ）A.The Fed undertakes banking supervision over banking system in the USA.
B.The savings banks in the USA are authorized to do real estate business by some states’ law.
C.Specialized banks in the USA provide funds as the lender of last resort.
D.Specialized banks in the USA are the same to those in China.答案：A解析：本题考查细节理解。
【关键词】which of the following; true
【主题句】
第五段In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）. 在美国，还有专业银行，包括艾契法案银行，国际银行业务机构，银行家银行，储蓄银行，储蓄和贷款协会，信用合作社和政府拥有的以及房地产投资信托基金会（TEIT ）。
倒数第一段The Federal Reserve Act （FRA） 1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last resort
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
1913年美国联邦储备法（FRA）规定了美联储的权力，除了正常的中央银行的目标外，还强调以下几点。
i管理美国的货币体系和货币供应；
ii提供资金作为最后贷款人；
iii提供高效的清算系统；
iiii提供严格的银行监督系统。
【解析】题目意为“以下哪个选项正确？”选项A意为“美联储对美国的银行体系进行银行监管”；选项B意为“美国的储蓄银行有权根据一些州的法律从事房地产业务”；选项C意为“美国的专业银行为最后贷款人提供资金”；选项D意为“美国的专业银行与中国的专业银行相同”。根据主题句，美联储是作为最后贷款人提供资金，选项C错误；选项B和D内容在文章中并未提及；因此，只有选项A与题意相符。 -
第20题：
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.
Which of the following title best suits the passage?（ ）A.Banking and Non-banking in the USA.
B.Banks in the USA.
C.Bankers in the USA.
D.Banking in the USA.答案：B解析：本题考查主旨大意。
【关键词】the following title; best suits
【主题句】
第一段In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency （OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking. 在美利坚合众国，银行被分类为联邦特许银行（即由通货审计官办公室（OCC）发放牌照，被称为“国家银行”）以及国家特许银行（即由监管机构发放牌照，被称为“国有银行”）。银行被允许向联邦或州政府进行登记。现在让我们看看商业银行的组织结构，其中包括单位银行、集团银行和分支银行。
第五段In the United States, there are also specialized banks…在美国，还有专业银行……
第六段There are also non-bank financial institutions in the USA…美国还有非银行金融机构……
第七段Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913.… 现在让我们看看联邦系统，通常被称为联邦储备银行或“美联储”，这是成立于1913年的美国中央银行。
【解析】题目意为“以下哪个题目与文章最相符？”根据主题句，文章依次介绍了国家银行、国有银行、商业银行、专业银行、非银行金融机构以及中央银行“美联储”，主要围绕着美国的银行进行展开，因此选项B与题意更相符。 -
第21题：
共用题干
Federal Deposit Insurance Corporation
Before 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.
As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.52._________
A: repaid
B: deposited
C:.found
D:.saved答案：A解析：从后文可知，本句是条件从句，条件从句应当由if引导。
从货款这个概念应当推断出，应当是归还，而不是存储或者发现。
本句前一部分和后一部分是因果关系，应当用because引导这个从句，because of后面跟的是名词或名词性短语，而不是从句。
我们从整个句子的语态来看，本句是虚拟语气，应当选D。此外，根据前一部分“the band would soon be unable to meet withdrawals”中的语态，我们也能做出相应的判断。
call on意为“号召，呼吁”;call for意为“要求，提倡”;call off意为“放弃，取消”; call in意为“召回，收回”。根据题意，银行应当采取相应的收回货款的措施，因此选D。
reach peak是固定用法，例如：Sales have reached a new peak. 销售额已达到新高。
不定式符号to后面跟动词原形，所以选择C。
表达“对于……有信心”应当用介词in，即confidence in(后接名词，表示对……有信心），例如：She lacks confidence in herself．她缺乏自信心。
这里应当用指示代词来组成一个名词词组，并不是构成一个从句，并且后面跟同位语短语，所以选B。
upto意为“达……之多”，符合题意。“as many as”用于可数名词前，如果选项中有“as mucn as”，则也是正确的，因为钱是不可数名词。
has已经提示了此处应当用动词的过去分词形式表达现在完成时语态。
根据上下文，此处是指自从建立了保险制度以来，银行破产的个案是减少了，而不是增加或者消失。
根据上下文，此处表达否定意思“不再”，所以选C。
be/become concerned about意为“担心；担忧；挂念”，例如：We're rather concerned a- bout father's health．我们相当担心父亲的健康。be/become concerned in sth．意为“和某 事有牵连”。be/become concerned with意为“牵涉，与……有关，参与”。
根据上下文，此处表达“可能性”之意，所以选择possibility。 -
第22题：
Banks open （） Monday （） Friday.
- A、from；to
- B、between；to
- C、from；and
正确答案:A -
第23题：
单选题You are designing an Active Directory site infrastructure to meet the bussiness and technical requirements. What should you do？ （）ACreate one site for each office and each local bank.
BCreate one site for all offices. Create one site for all local banks.
CCreate one site for Amsterdam. Create one site for all branch office and all local banks.
DCreate one site for Amsterdam. Create one site for the Utercht brach office. Create one site for that Hague branch office. Place half the local banks in the utercht site and half the local banks in the Hague site.
ECreate one site for Amsterdam. Create one site for the Utercht brach office. Create one site for each local bank that has more than 50 users. Place all the other local banks in the Amsterdam Site.
正确答案： D解析： 暂无解析