2015年职称英语考试综合类完形填空训练及答案(4)
<p> <span word="Federal">Federal</span> <span word="Deposit">Deposit</span> <span word="Insurance">Insurance</span> <span word="Corporation">Corporation</span></p><p> <span word="Before">Before</span> 1933, <span word="and">and</span> <span word="particularly">particularly</span> <span word="during">during</span> <span word="the">the</span> <span word="period">period</span> 1929-33, <span word="bank">bank</span> <span word="failures">failures</span> <span word="were">were</span> <span word="not">not</span> <span word="uncommon">uncommon</span>. _1_ <span word="a">a</span> <span word="bank">bank</span> <span word="overextended">overextended</span> <span word="itself">itself</span> <span word="in">in</span> <span word="creating">creating</span> <span word="credit">credit</span> <span word="or">or</span> <span word="if">if</span> <span word="several">several</span> <span word="of">of</span> <span word="its">its</span> <span word="important">important</span> <span word="loans">loans</span> <span word="could">could</span> <span word="not">not</span> <span word="be">be</span> _2_, <span word="depositors">depositors</span> <span word="in">in</span> <span word="the">the</span> <span word="bank">bank</span> <span word="would">would</span> <span word="frequently">frequently</span> <span word="become">become</span> <span word="panicky">panicky</span> <span word="and">and</span> <span word="begin">begin</span> <span word="to">to</span> <span word="make">make</span> <span word="large">large</span> <span word="withdrawals">withdrawals</span>. __3__ <span word="the">the</span> <span word="bank">bank</span> <span word="had">had</span> <span word="only">only</span> <span word="a">a</span> <span word="small">small</span> <span word="number">number</span> <span word="of">of</span> <span word="its">its</span> <span word="deposits">deposits</span> <span word="backed">backed</span> <span word="by">by</span> <span word="currency">currency</span>, <span word="the">the</span> <span word="band">band</span> <span word="would">would</span> <span word="soon">soon</span> <span word="be">be</span> <span word="unable">unable</span> <span word="to">to</span> <span word="meet">meet</span> <span word="withdrawals">withdrawals</span>, <span word="and">and</span> <span word="most">most</span> <span word="depositors">depositors</span> __4__ <span word="their">their</span> <span word="money">money</span>. <span word="Most">Most</span> <span word="frequently">frequently</span> <span word="a">a</span> <span word="bank">bank</span> <span word="merely">merely</span> <span word="needed">needed</span> <span word="time">time</span> <span word="to">to</span> <span word="improve">improve</span> <span word="its">its</span> <span word="cash">cash</span> <span word="position">position</span> <span word="by">by</span> __5__ <span word="some">some</span> <span word="of">of</span> <span word="its">its</span> <span word="loans">loans</span> <span word="and">and</span> <span word="not">not</span> <span word="making">making</span> <span word="additional">additional</span> <span word="ones">ones</span>. <span word="In">In</span> 1933, <span word="the">the</span> <span word="number">number</span> <span word="of">of</span> <span word="bank">bank</span> <span word="failures">failures</span> __6__ <span word="a">a</span> <span word="peak">peak</span>, <span word="forcing">forcing</span> <span word="the">the</span> <span word="federal">federal</span> <span word="government">government</span> <span word="to">to</span> <span word="intervene">intervene</span> <span word="and">and</span> __7__ <span word="the">the</span> <span word="banks">banks</span> <span word="temporarily">temporarily</span>. <span word="To">To</span> <span word="help">help</span> <span word="restore">restore</span> <span word="the">the</span> <span word="publics">publics</span> <span word="confidence">confidence</span> __8__ <span word="banks">banks</span> <span word="and">and</span> <span word="strengthen">strengthen</span> <span word="the">the</span> <span word="banking">banking</span> <span word="community">community</span>, <span word="Congress">Congress</span> <span word="passed">passed</span> <span word="legislation">legislation</span> <span word="setting">setting</span> <span word="up">up</span> <span word="the">the</span> <span word="Federal">Federal</span> <span word="Deposit">Deposit</span> <span word="Insurance">Insurance</span> <span word="Corporation">Corporation</span>. __9__ <span word="corporation">corporation</span>, <span word="an">an</span> <span word="agency">agency</span> <span word="of">of</span> <span word="the">the</span> <span word="federal">federal</span> <span word="government">government</span>, <span word="now">now</span> <span word="insures">insures</span> <span word="over">over</span> 90 <span word="percent">percent</span> <span word="of">of</span> <span word="all">all</span> <span word="mutual">mutual</span> <span word="savings">savings</span> <span word="and">and</span> <span word="commercial">commercial</span> <span word="bank">bank</span> <span word="deposits">deposits</span> <span word="for">for</span> __10__ $100,000 <span word="per">per</span> <span word="deposit">deposit</span>. <span word="The">The</span> <span word="FDIC">FDIC</span> <span word="has">has</span> __11__ <span word="its">its</span> <span word="insurance">insurance</span> <span word="fund">fund</span> <span word="by">by</span> <span word="charging">charging</span> <span word="member">member</span> <span word="institutions">institutions</span> <span word="one">one</span>-<span word="twelfth">twelfth</span> <span word="of">of</span> 1 <span word="percent">percent</span> <span word="of">of</span> <span word="their">their</span> <span word="total">total</span> <span word="deposits">deposits</span>.</p><p> <span word="As">As</span> <span word="a">a</span> <span word="result">result</span> <span word="of">of</span> <span word="the">the</span> <span word="protection">protection</span> <span word="provided">provided</span> <span word="by">by</span> <span word="the">the</span> <span word="FDIC">FDIC</span> <span word="and">and</span> <span word="through">through</span> <span word="other">other</span> <span word="kinds">kinds</span> <span word="of">of</span> <span word="supervision">supervision</span>, <span word="bank">bank</span> <span word="failures">failures</span> <span word="have">have</span> <span word="been">been</span> __12__ <span word="to">to</span> <span word="a">a</span> <span word="few">few</span> <span word="isolated">isolated</span> <span word="instances">instances</span>. <span word="When">When</span> <span word="deposits">deposits</span> <span word="are">are</span> <span word="federally">federally</span> <span word="insured">insured</span>, <span word="people">people</span> __13__ <span word="rush">rush</span> <span word="to">to</span> <span word="withdraw">withdraw</span> <span word="their">their</span> <span word="money">money</span> <span word="if">if</span> <span word="they">they</span> __14__ <span word="the">the</span> <span word="financial">financial</span> <span word="condition">condition</span> <span word="of">of</span> <span word="their">their</span> <span word="bank">bank</span>. <span word="The">The</span> <span word="delay">delay</span> <span word="gives">gives</span> <span word="the">the</span> <span word="banks">banks</span> <span word="the">the</span> <span word="necessary">necessary</span> <span word="time">time</span> <span word="to">to</span> <span word="adjust">adjust</span> <span word="their">their</span> <span word="cash">cash</span> <span word="credit">credit</span> <span word="balance">balance</span>, <span word="and">and</span> <span word="this">this</span> <span word="action">action</span> <span word="helps">helps</span> <span word="to">to</span> <span word="reduce">reduce</span> <span word="the">the</span> __15__ <span word="of">of</span> <span word="bankruptcy">bankruptcy</span>. <span word="For">For</span> <span word="an">an</span> <span word="example">example</span> <span word="of">of</span> <span word="the">the</span> <span word="value">value</span> <span word="of">of</span> <span word="the">the</span> <span word="FDIC">FDIC</span>, <span word="note">note</span> <span word="that">that</span> <span word="the">the</span> <span word="failure">failure</span> <span word="in">in</span> 1974 <span word="of">of</span> <span word="the">the</span> <span word="huge">huge</span> <span word="Franklin">Franklin</span> <span word="National">National</span> <span word="Bank">Bank</span> <span word="did">did</span> <span word="not">not</span> <span word="touch">touch</span> <span word="off">off</span> <span word="a">a</span> <span word="panic">panic</span>, <span word="and">and</span> <span word="that">that</span> <span word="depositors">depositors</span> <span word="lost">lost</span> <span word="no">no</span> <span word="money">money</span> <span word="as">as</span> <span word="Franklin">Franklin</span> <span word="was">was</span> <span word="taken">taken</span> <span word="over">over</span> <span word="by">by</span> <span word="another">another</span> <span word="bank">bank</span>.</p>
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