1、判断题：
In the U.S a bank is defined by federal and state laws and by bank regulators，so that we can divide the commecial banks in the U.S into two kinds：national bank and state bank .
选项：
A:错
B:对
答案: 【对】

2、判断题：
In the United States, banks are regulated through a dual banking system; that is, both federal and state authorities have significant regulatory powers.
选项：
A:错
B:对
答案: 【对】

3、多选题：
The Principal Reasons Financial-service Firms Are Subject to Government Regulation.(       )
选项：
A:

To protect the safety of the public's savings.

B:

To control the supply of money and credit in order to achieve a nation's broad economic goals.

C:

To avoid concentrations of financial power in the hands of a few individuals and institutions.

D:

To promote public confidence in the financial system, so that savings flow smoothly into productive investment, and payments for goods and services are made speedily and efficiently.

E:

To ensure equal opportunity and fairness in the public's access to credit and other vital financial services.

答案: 【

To protect the safety of the public's savings.

;

To control the supply of money and credit in order to achieve a nation's broad economic goals.

;

To avoid concentrations of financial power in the hands of a few individuals and institutions.

;

To promote public confidence in the financial system, so that savings flow smoothly into productive investment, and payments for goods and services are made speedily and efficiently.

;

To ensure equal opportunity and fairness in the public's access to credit and other vital financial services.

】

4、判断题：
Offer all of their services from one office, although some services (such as taking deposits, cashing checks, or paying bills) may be offered from limited-service facilities, such as drive-up windows and automated teller machines (ATMs) that are linked to the bank's computer system，this organization structure is  Unit bank.
选项：
A:对
B:错
答案: 【对】

5、判断题：
A bank holding company is simply a corporation chartered for the purpose of holding the stock (equity shares) of at least one bank.
选项：
A:错
B:对
答案: 【对】

6、判断题：
美国金融业属于混业经营，混业监管。
选项：
A:对
B:错
答案: 【错】

7、判断题：
In the USA，OCC issues charters for new national banks.
选项：
A:错
B:对
答案: 【对】

8、单选题：
下面对中国金融业和金融监管体制说法正确的是（）
选项：
A:中国金融业属于混业经营，分业监管
B:中国目前主要金融监管机构是一行三会
C:中国目前主要金融监管机构是一行两会
D:中国金融业属于分业经营，混业监管
答案: 【中国目前主要金融监管机构是一行两会】

9、单选题：
中央银行作为金融监管的重要机构，通过制定和实施货币政策进行宏观调控，下面的货币政策工具使用中属于扩张性货币政策的是（）
选项：
A:降低再贴现率

B:窗口指导
C:提高法定存款准备金率
D:在公开市场上出售有价证券
答案: 【降低再贴现率
】

10、判断题：
Economies of scope mean that doubling output of any one service or package of services will result in less than doubling production costs because of greater efficiencies in using the firm`s resources to produce multiple units of the same service package.
选项：
A:错
B:对
答案: 【错】