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  3. The Supreme Court’s recent decision allows regional interstate banks to do away with one restriction in America’s banking operat

The Supreme Court’s recent decision allows regional interstate banks to do away with one restriction in America’s banking operat

admin2010-02-20  56
问题    The Supreme Court’s recent decision allows regional interstate banks to do 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 move in a liberalizing direction that could at last 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 of the bank failures of the 1930s. The current high rate -- higher than at any time since the Great Depression -- has made legislators afraid to remove the restrictions. While 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 example, would a large bank be buying small, failed savings banks at inflated prices if federal law and states’ regulations permitted that bank to expand through the acquisition of financially healthy banks in the region7 Of course 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 money-center banks. Without this breathing space the big money-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 passage, which of the following is NOT true?
选项 A、The Supreme Court’s recent decision only applies to tile local banks in the US.
B、The legislators are bold enough to deal with restrictions in American banking operation.
C、Many American banks are having difficulty in deciding their future.
D、The author regards geographical difference as a disadvantage for American banking system.
答案B
解析 该题问：根据文章下列哪一个是不真实的?这种正误题是一种细节题，要对所给的每一个选项进行逐一排除。从文章第一段第一句和第二句就可以判断A正确；从第二段第一句“…使得立法者害怕消除这些限制” (has made legislators afraid to remove the restrictions)以及第二句“他们立法的胆小性是可以理解的”(their legislative timidity is understandable)，可知B不正确；第二段第三句“如此之多的银行正陷入困境”(so many American banks are getting into trouble)可知C正确，第八句“如果美国的银行不受地区限制就会更加健康”(American banks will be sounder when they are not geographically limited)可判断D正确。
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