A discussion of the economic functions of money and banking produced the following statements: Statement 1: Direct exchange of commodities is less efficient than money exchange because of the search costs involved in finding an individual with whom to trade. Statement 2: The cost of funds for borrowers is lower in an economy that features depository institutions than it would be in an economy that lacked them. Are these statements correct Statement 1 Statement 2（）①A. Correct Correct ②B. Correct Incorrect ③C. Incorrect Correct

A. ①

B. ②

C. ③

当事人约定由债务人向第三人履行债务的，债务人未向（）履行债务或者履行债务不符合约定，应当向债权人承担违约责任。

A.债权人

B.第三人

C.债务人

D.担保人