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提问人：网友windensky 发布时间：2022-01-07

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Why do the depository institutions have the fractional reserve banking？A．Because they can

Why do the depository institutions have the fractional reserve banking？

A．Because they can keep a large amount of deposits from their depositors in the form. of reserves.

B．Because most of their depositors would withdraw their deposits.

C．Because only a small fraction of their depositors would deposit money during a day or week.

D．Because they can meet the need of withdrawing of their depositors and make investments in other financial assets.

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更多“Why do the depository institutions have the fractional reserve banking？A．Because they can”相关的问题

第1题

The main reason that the bank statement cash balance and the depositor's cash balance do not initially balance is due to timing differences.()

The main reason that the bank statement cash balance and the depositor's cash balance do not initially balance is due to timing differences.（)

此题为判断题(对，错)。

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第2题

Checking accountsIn the United States, checking accounts are available only at commercial

Checking accounts

In the United States, checking accounts are available only at commercial banks. Commercial banks specialize in demand deposits, such as checking accounts. A checking account is money that a customer deposits in order to use that money to write checks. Saving accounts pay the depositor interest but checking accounts do not. In fact, checking account customers pay the bank a service charge for the bookkeeping involved in administering the account.

The method of recordkeeping is also different in savings accounts and checking accounts. A depositor must present his passbook for any savings account transaction. The bank records these transactions in the depositor's passbook. Checking account customers, however, do not have passbooks. They themselves record the amounts of the checks that they write and they receive a monthly statement from the bank. This statement lists all the checks that the bank paid and all deposits that the account holder made during the month. The bank usually sends the statements with the customer's cancelled checks. The customer then compares the balance on the statement with the balance in his own records by subtracting the total of his outstanding checks.

There are other fees that the bank may collect from checking account holders. For instance, banks charge a fee for stopping payment to a check. When a depositor decides that be doesn't want the bank to pay a payee, but he bas already written a check to that person, he may give the bank a stop payment order. The bank will then refuse to pay this check, and charges the depositor a fee. 'Banks also charge a depositor a fee when he is overdrawn. A depositor is overdrawn when he writes a check for more money than the balance in his account: The bank marks the check "insufficient funds", returns it, and charges a penalty for it. In everyday language we say that a check returned for insufficient funds has "bounced".

Recent changes in banking regulations have allowed savings banks to offer negotiable order of withdrawal accounts. These accounts, called N. O. W. accounts, are very similar to checking accounts but they pay interest like savings accounts. The depositor can write withdrawal orders against the balance in the account. These withdrawal orders look like checks, and depositors receive a monthly statement summarizing deposits and withdrawals. There is often no service charge if depositors keep a minimum balance in their accounts. Commercial banks also offer N. O. W. accounts.

As far as checking accounts go, the difference between savings banks and commercial banks is growing smaller in the U. S.

State whether each statement is true or false based on the reading.

Checking accounts are available at savings banks.

A．True

B．False

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第3题

听力原文：When a savings account is opened in a bank, the depositor must sign a deposit agr

听力原文： When a savings account is opened in a bank, the depositor must sign a deposit agreement. By signing agreement, the depositor agrees to abide by the rules and regulations of the bank. At this time, a passbook may be given to the depositor. This is a small book in which the bank teller enters the date and amount of each deposit or withdrawal and initials the entry. The passbook is to be presented at the bank or mailed to the bank along with a deposit or withdrawal slip each time money is deposited or withdrawn from the account. An alternative practice for depositing or withdrawing money from a savings account is to give the depositor a small register for recording deposits and withdrawals and a pad of deposit withdrawal rotors. This procedure eliminates the use of the passbook.

24. What is the purpose of signing a deposit agreement？

25.What does a depositor do with a passbook？

26.What is the aim of a small register and a pad of deposit withdrawal forms？

(24)

A．To follow the bank's rules and regulations.

B．To have the right to make full use of the bank's facilities.

C．To open an account in the bank.

D．To protect the depositor's interest.

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第4题

How Do American Consumers Borrow ？Young consumers often have not established their credit

How Do American Consumers Borrow ？

Young consumers often have not established their credit ratings. Many do not have steady incomes. They might have difficulty borrowing money from an agency in business to make loans. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have to have money available and be willing to lend it. You might even get an interest-free loan. However, a parent or relative who lends should receive the same interest as any other lender.

There are disadvantages in borrowing from parents or relatives. One is that they may not insist on you paying back the money by a certain time. As a result, you might let the loan drag on. This is especially true if you are not required to pay interest. This is not a way to develop good credit habits.

For most consumers, the cheapest place to borrow is at a commercial bank. Banks are a good source of installment loan which may run for 12 months or up to 30. Most banks also make single-payment loans to consumers for short periods--30,60 ,or 90 days.

The newest type of bank loan is one that a depositor can get simply by writing a check. It is usually called something like "ready credit" or "reserved checking." It works like this. A depositor is given a limited amount of credit, usually between ＄500 and ＄1,000. He or she may write checks up to the amount allowed. Once a check has been written, the amount of the check becomes a loan. Usually no charge is made for interest until the loan is made. A typical interest rate is 3 cents per ＄100 per day, or just under I percent a month. Suppose that you used ＄100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.

The advantage of borrowing from a bank is that banks generally charge lower rates than most other lenders. One reason is that banks have more strict credit requirements than most other lenders. A consumer must have a fairly good credit rating to get a bank loan.

According to the first paragraph, young people ______.

A．have difficulty borrowing from their parents or relatives

B．can't get an interest-free loan from their parents or relatives

C．always borrow money from an agency

D．usually borrow from their parents or relatives

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第5题

How Do American Consumers Borrow？Young consumers often have not established their credit r

How Do American Consumers Borrow？

For most consumers, the cheapest place to borrow is at a commercial bank. Banks are a good source of installment loan which may run for 12 months or up to 30. Most banks also make single payment loans to consumers for short periods — 30, 60, or 90 days.

The newest type of bank loan is one that a depositor can get simply by writing a check. It is usually called something like "ready credit" or "reserved checking." It works like this. A depositor is given a limited amount of credit, usually between $ 500 and $1, 000. He or she may write checks up to the amount allowed. Once a check has been written, the amount of the check becomes a loan. Usually no charge is made for interest (利息) until the loan is made. A typical interest rate is 3 cents per $100 per day, or just under 1 percent a month. Suppose that you used $100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.

Which of the following is NOT true？

A．The newest type of bank loan is simple to get.

B．Bank loans are more difficult to get.

C．Banks charge higher interest rates.

D．Banks offer loans to those having a fairly good credit rating.

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第6题

"Ready credit" or "reserved checking"A．is designed to give the depositor a check.B．allows

"Ready credit" or "reserved checking"

A．is designed to give the depositor a check.

B．allows the depositor to write a check to pay any amount.

C．allows the depositor to borrow money from a bank by writing a check.

D．allows the depositor to charge an interest.

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第7题

Do you think your lifestyle is healthy？ Why or why not？

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第8题

Why do we study Bilingual News？

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第9题

2. Why do nations trade？

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第10题

Do you like watching movies？ Why or why not？

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