问题 问答题

简述金融中介机构的主要职能。

答案

参考答案:金融中介机构作为一个特殊的企业,它在经济中发挥以下职能:
(1)信用中介职能。信用中介职能是金融中介机构最基本的职能。这一职能是指通过金融机构的负债业务,把社会上的各种闲置货币资金集中起来,再通过资产业务把它投向国民经济各个部门。金融机构作为货币资金的贷出者和借入者的中介,实现资本的融通,并从吸收资金的成本与发放贷款的利息、投资收益的差额中获取利差收入,形成其利润。
信用中介职能既可以实现资金在盈余者与短缺者之间的转移,还可以实现长短期限不同的转换。
(2)支付中介职能。支付中介职能是指为工商企业办理与货币运动有关的技术性服务。如通过存款在账户上的转移,代理客户支付;在存款的基础上,为客户兑付现款等,成为工商企业、团体和个人的货币保管者、出纳者和支付代理人。
支付中介职能的发挥,大大减少了现金的使用,节约了社会流通费用,加速了结算过程和货币资金的周转,促进了再生产的扩大。
(3)信用创造功能。信用创造功能是指通过贷款和投资活动创造存款货币,扩大信用规模的功能。金融机构利用其所吸收的存款发放贷款,在支票流通和转账结算的基础上,贷款又转化为存款,在这种存款不提取现金或不完全提取现金的情况下,就增加了银行的资金来源,最后在整个银行体系形成数倍于原始存款的派生存款。
信用创造功能的发挥,使银行可以超出自有资本和吸收资金的总量而扩大信用业务。当然,这种扩大不是无限的,它要受银行现金准备状况和经济发展对信用的客观需要的限制。

阅读理解

My son Joey was born with club feet.The doctors told us that he would be able to walk,but would never run very well.By the time he was eight,you wouldn’t know he had a problem when you saw him walk.

The children in our neighborhood ran around playing,and Joey would join them, run and play,too.We never told him that he probably wouldn’t be able to run as well as the other children.So he didn’t know.

In seventh grade he decided to go out for the cross-country team.Every day he worked harder and ran more than any of the others.Although the entire team runs,only the top seven runners score for the school.We didn’t tell him he probably would never be on the team,so he didn’t know.

He continued to run four to five miles a day,every day - even the day he had a high fever.I was worried,so I went to see him after school.I found him running all alone.I asked him how he felt."Okay," he said.He had two more miles to go.Yet he looked straight ahead and kept running.We never told him he couldn’t run miles with a high fever.So he didn’t know.

Two weeks later,the names of the team runners were called.Joey was Number Six on the list.Joey was on the team! He was in seventh grade.We never told him he couldn’t do it!

小题1:The doctor believed Joey would never run very well because ____.

A.Joey didn’t like running

B.Joey couldn’t jump

C.Something was wrong with his feet

D.Joey was too young to run小题2:Few people know Joey’s club feet before ____.

A.he was eight years old

B.he was in seven grade

C.he ran for the cross-country team

D.he was on the cross-country team小题3:How many runners can score for the school?

A.Six

B.Seven

C.Eight

D.Thirteen小题4:Which of the following is true according to the story?

A.Joey’s parents didn’t love him         

B.Joey was a boy with a strong mind.

C.Joey’s parents stopped him joining the team 

小题5:The writer wants to tell us _____.

A.children shouldn’t do what they can’t do

B.children with club feet can’t take part in sports

C.parents should tell their children what they can do

D.parents should know how to help their children in the right way.

单项选择题 A1/A2型题