2. 职称英语
  3. The Supreme Court’s recent decision allowing regional interstate banks has d

The Supreme Court’s recent decision allowing regional interstate banks has d

游客2024-02-25  56
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. [br] What is the author’s attitude towards the current banking laws?
选项 A、Tolerant and disapproved.
B、Concerned and dissatisfied.
C、Understandable and indifferent.
D、Supportive and admirable.
答案 B
解析 观点态度题。文章首段内容提到：美国银行业务中还存在许多限制。作者在文章最后指出：这样的立法只能被看作是全面制定合理的美国银行法的一个小插曲。显然，在作者看来，美国国会需要全面修改现行银行法，而不应该仅停留在对它的修修补补上。由此可知，作者对于现存的银行法心存忧虑和不满。
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