2. 外语
  3. One of the problems that thrift institutions face is that______.

One of the problems that thrift institutions face is that______.

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问题 One of the problems that thrift institutions face is that______.
选项 A、they are unable to go to the discount window at the Federal Reserve to borrow short-term funds because they are not members of the Fed
B、in periods of high short-term interest rates, they have to pay more to obtain new funds or retain existing funds than they get from their long-term mortgages
C、they are holding short-term assets and long-term liabilities. This mismatching of maturities puts a squeeze on their profits when short-term interest rates are low
D、they are unable to offer demand deposits at low cost because they are not part of the Federal Reserve System
答案B
解析 答案为B项。储蓄机构所面临的一个共同的困境是在利率上升期，它们为了获取新的资金或保住大量现有资金，因此必须付出更高的利率，但是它们大部分资产的收益却山于长期限的抵押贷款业务是在几年前发生的且一般采用固定利率而无法同时提高。故本题选B项。
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