问题 多项选择题

假设银行系统的(1)原始存款为900万亿;(2)法定存款准备金率为6%; (3)现金漏损率为15%;(4)超额准备金率为3%。根据上述材料计算并回答下列问题(保留两位小数):

银行系统存款创造的限制性因素主要有( )。

A.现金漏损率与定期存款准备金率

B.原始存款量与定期存款量

C.存款乘数与货币乘数

D.法定存款准备金率与超额存款准备金率

答案

参考答案:B,C,D

解析: 事实上,在现实的经济生活中,客户将一切收入都存入银行系统而不提取现金;银行只需按规定比例保留存款准备金而将超额部分全部贷出;银行只办理活期存款而不办理定期存款等前提条件。可以说是不会存在的,现实经济社会的情况要复杂得多。因此。必须考虑各种因素对前述分析结论的影响,正是这些不成立的前提条件限制了整个银行体系的存款创造能力,使其变得有限。所以,我们必须将这些因素考虑进来,进而对存款乘数进行修正。所以存款的限制因素有:①现金漏损率;②超额存款准备金率;③活期存款与其他存款的相互转化。

填空题
阅读理解

.

III 阅读(共两节, 满分40分)

第一节阅读理解(共15小题;每小题2分,满分30分)

阅读下列短文,从每题所给的A、B、C和D项中,选出最佳选项,并在答题卡上将该项涂黑。

Carl’s parents had started a small grocery store and had built it over the years into a major supermarket. Carl now worked there full time.

He liked working at his parent’s business; it was an honest business. He had been brought up to be honest, to tell the truth, and more — he knew that there was such a thing as truth. A year ago, his homeroom teacher had said in front of the whole class:

“There is no such thing as truth.”

Carl Savinski had stood up and said, “That would make your statement false.”

“Huh?”

“That would make your statement false,” Carl had repeated. “If there is no such thing as truth, then your statement is not true. To say that there is no such thing as truth is absurd — you dumb piece of shit!”

Carl was expelled from school for two weeks. He didn’t go back. He joined his parent’s business instead.

In the past year he had learned that to be honest was not only the right thing to do but also the practical thing to do. He saw how his parents had built this business. He saw that they had made reasonable rules for the staff and employed them equally without favoritism. The staff liked working there and his parents had gained a competent work force that cared about the future of the company.

His parents had gained more customers by treating them honestly, by being fair, by giving them more value for their money. If produce was too old, they threw it out; they didn’t sell three-day old bread as fresh.

They stuck to terms with their suppliers: if payment was required in thirty days, they paid in thirty days. If a supplier accidentally shipped more than they were invoiced for, they paid for the extra; but if this happened too often, they changed suppliers. They built up honest relationships with their suppliers. And they gained: they were first to be offered a commodity in short supply, and first to receive a discount if a supplier was over stocked.

In the past year Carl Savinski saw with his own eyes, in his day-to-day job, that being honest paid. He saw that to be reasonable, to be honest, to tell the truth was practical — that one did not suffer a loss by being honest, but made a gain.

41. How long had Carl worked in his parents’ supermarket?

A. For half a year.                                         B. For more than a year.

C. For a year.                                                     D. For years.

42. What does the underlined word “expelled” mean?

A. cut off                B. driven off             C. set off                  D. warned of

43. Why did the staff like working for Carl’s parents?

A. Because the staff were all equally paid without favoritism.

B. Because Carl’s parents made strict rules for their business.

C. Because the future of the company was really promising.

D. Because the regulations were effective and the staff were equally treated.

44. Which of the following can be seen as an honest operation of the company?

A. They gave more discounts by raising the price.

B. Their butcher cut more fat off the meat.

C. They changed suppliers for cheaper goods.

D. Their contracts are occasionally not carried out.

45. What does this story mainly tell us?

A. Being honest pays off.                                 B. Being honest makes a loss.

C. Not all people believe in truth.                      D. People have a false belief in truth.