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  3. Federal Deposit Insurance Corporation Before 1933, and particularly during the period 1929—1933, bank failures were not unco

Federal Deposit Insurance Corporation Before 1933, and particularly during the period 1929—1933, bank failures were not unco

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问题                    Federal Deposit Insurance Corporation
    Before 1933, and particularly during the period 1929—1933, bank failures were not uncommon.【51】 a bank overextended itself in creating credit or if several of its important loans could not be【52】, depositors in the bank would frequently become panicky and begin to make large withdrawals.【53】 the bank had only a small number of its deposits backed by currency, the bank would soon be unable to meet withdrawals, and most depositors【54】 their money. Most frequently a bank merely needed time to improve its cash position by【55】some of its loans and not making additional ones. In 1933, the number of bank failures【56】 a peak, forcing the federal government to intervene and【57】 the banks temporarily. To help restore the public’s confidence【58】 banks and strengthen the banking community, Congress passed legislation setting up the Federal Deposit Insurance Corporation.【59】 corporation, an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for【60】 $100,000 per deposit. The FDIC has【61】 its insurance found by charging member institutions one-twelfth of 1 percent of their total deposits.
    As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been【62】 to a few isolated instances. When deposits are federally insured, people【63】 rush to withdraw their money if they【64】 the financial condition of their bank. The delay gives the banks the necessary time to adjust their cash credit balance, and this action helps to reduce the【65】 of bankruptcy.
选项 A、lost
B、had lost
C、will lose
D、would lose
答案D
解析 从整个句子的语态看，本句是虚拟语气，所以应该选D。另外，前一部分the bank would soon be unable to meet withdrawals中的语态，我们也可以做出相应的判断。
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