2. 外语
  3. The Supreme Court’s recent decision allowing regional interstate banks has done away with one restriction in America’s banking o

The Supreme Court’s recent decision allowing regional interstate banks has done away with one restriction in America’s banking o

admin2010-08-04  30
问题     The Supreme Court’s recent decision allowing regional interstate banks has done away with one restriction in America’s banking operation, although many others still remain.  Although the ruling does not apply to very large money-center banks, it is a move in a liberalizing direction that could in the end push Congress into framing a sensible legal and regulatory system that allows banks to plan their future beyond the next court case.
    The restrictive laws that the courts are interpreting are mainly a legacy(遗赠物) of the bank failures of the 1930’s. The current high rate of bank failure--higher than at any time since the Great Depression--has made legislators ’afraid to remove the restrictions. While their legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today’s telecommunicating round-the-clock, around-the-world financial markets.
    In trying to escape from these restrictions, banks are taking enormous, and what should be unnecessary, risks. For instance, would a large bank be buying small, failed savings banks at inflated prices if federal law and states regulations permitted that bank to explain instead through the acquisition  of financially healthy banks in the region? Of coupe not. The solution is clear. American banks will be sounder when they are not geographically limited.
    The house of Representative’s banking committee has shown part of the way forward by recommending common-sensible, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form counterweights to the big moneycenter  banks. Without this breathing space the big money-center banks might soon extend across the country to develop. But any such legislation should be regarded as only a way station on the road towards  a complete examination of American’s suitable banking legislation.
According to the author, the change to a nationwide banking system should be______.
选项 A、postponed until the consequences can be evaluated
B、gradual so that regional banks have a chance to compete with larger banks
C、immediate because we can’t afford any more bank failures
D、much faster to overcome legislative fear
答案B
解析 推理判断题。第三段最后指出：道理是明摆着的，废除地区性限制，美国银行业的发展会更健康。最后，—段又说，众议院提议实行五年的放开国内区域性限制的转换期(transition)，这项提案虽然有其局限性，但却颇有道理，可以将银行改革推进______步。这种做法可以给地方银行重组的时间，以便同大金融中心银行相抗衡，因为如果没有这一喘息机会，大余融中心银行很快就会占领全国。由此可推断出，向全国范围的银行系统的转变是循序渐进的，故B项为正确答案。
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