问题 单项选择题

关于存款保险制度,下列说法错误的是()。

A.存款保险制度起始于20世纪30年代大萧条之后的美国 

B.存款保险制度有利于保护存款人的利益,提高公众对银行体系的信心 

C.存款保险由存款人向存款保险公司投保 

D.存款保险通常只赔偿存款人因银行倒闭而遭受的部分损失

答案

参考答案:C

解析:解析 现代意义上的存款保险制度起始于1934年美国建立的联邦存款保险制度,经过70多年的发展,全球已有100多个国家和地区建立了这一制度。故A正确。存款保险制度的实施并推广,有利于增强中小银行信用,有效提高公众信心,从而降低挤兑风险、维护金融稳定,也是国家金融安全网的基本组成要素。故B正确。存款保险制度是一种金融保障制度,是指由符合条件的各类存款性金融机构集中起来建立一个保险机构,各存款机构作为投保人按一定存款比例向其缴纳保险费,建立存款保险准备金,当成员机构发生经营危机或面临破产倒闭时,存款保险机构向其提供财务救助或直接向存款人支付部分或全部存款,从而保护存款人利益,维护银行信用,稳定金融秩序的一种制度。C项错误。如果建立了存款保险制度,当实行该制度的银行资金周转不灵或破产倒闭而不能支付存款人的存款时,按照保险合同条款,投保银行可从存款保险机构那里获取赔偿或取得资金援助,或被接收,兼并,存款保险通常只赔偿存款人因银行倒闭而遭受的部分损失。这样,存款人的存款损失就会降低到尽可能小的程度,有效保护了存款人的利益。故D项正确。 故正确答案为C。 考点:市场

填空题
单项选择题

As the pace of life continues to increase, we are fast losing the art of relaxation. (1) you are in the habit of rushing through life, being on the go from morning till night, it is hard to (2) down. But relaxation is (3) for a healthy mind and body.Stress is a (4) part of everyday life and there is no way to (5) it. In fact,it is not the bad thing that it is often supposed to be. A (6) amount of stress is important to provide motivation and give (7) to life. It is only when the stress gets out of control (8) it can lead to poor performance and (9) health.The amount of stress a person can bear(10) very much on the individual. Some people are not afraid of stress, and such (11) are obviously chief material for managerial responsibilities. Others lose heart at first (12) of unusual difficulties. When exposed to stress, in (13) form, we react both chemically and physically. In fact we (14) a choice between escape and fight. But in more ancient days they made the (15) between life and death. The crises (危机)we meet today are (16) to be so extreme,but however little the stress,it requires the same response. It is when such a reaction (17) long,through continued exposure to stress,that health becomes (18) .Such serious conditions as high blood pressure and heart diseases have (19) links with stress. (20) we canno! remove stress from our lives we need to find ways to deal with it.It would be unwise to do so even it we could.So what do you think of stressWhat is your way to deal with it.

第(6)空应选择()

A.sure

B.certain

C.large

D.great