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  45
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.
The main idea of the passage is that______.
选项 A、despite many bank failures, the nature of banking has not really changed so much
B、the current banking law must be useful to today’s banks
C、center banks currently have too much power as compared with the regional banks
D、banks have bee. n forced to take needless and dangerous risks due to the restrictions
答案D
解析 主旨大意题。根据文章大意的介绍可知：由于目前的法律己不能满足现代银行业发展的需要，银行被迫冒一些无渭的风险，故D项为正确答案。
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