[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fRNqoLVerWHUDDLYVN1LVO8bjKK_d5G1vwvZR4kufowo":3},{"answer":4,"createTime":5,"id":6,"options":7,"origin":12,"question":16,"related":17,"source":27,"type":28},[],"2026-05-30 11:35:25",393226891,[8,9,10,11],"a bank suffers large deposit outflows","a bank has more bank capital","a bank holds less U.S. government securities","a bank holds fewer excess reserves",{"courseId":13,"courseImg":14,"courseName":15},"53e1d2ef4961cca8eea3e23969ad2cb9","https:\u002F\u002Ftihai-oss-cloud.itihey.com\u002Fimg\u002F03a579384a6dc297c89809b582fcc767.png","默认课程","A bank failure is less likely to occur when",[18,29,38,47,56,65,68,77,86,95],{"answer":19,"createTime":5,"id":20,"options":21,"question":26,"source":27,"type":28},[],393226886,[22,23,24,25],"encourage","restrict","enhance","renegotiate","The Basel Committee ruled that regulators in other countries can ________ the operations of a foreign bank if they believe that it lacks effective oversight","v1",0,{"answer":30,"createTime":5,"id":31,"options":32,"question":37,"source":27,"type":28},[],393226887,[33,34,35,36],"prudential supervision","regulatory interference","hazard insurance","loan loss reserves","Overseeing who operates banks and how they are operated is called",{"answer":39,"createTime":5,"id":40,"options":41,"question":46,"source":27,"type":28},[],393226888,[42,43,44,45],"a tradition of the rule of law","strong supervision and regulation","few opportunities for corruption","a weak institutional environment","Deposit insurance has not worked well in countries with",{"answer":48,"createTime":5,"id":49,"options":50,"question":55,"source":27,"type":28},[],393226889,[51,52,53,54],"liability evaluations to make sure that they have sufficient insurance","stress tests to see if the banks buildings can withstand severe weather","management evaluations to see if the managers deserve bonuses","stress tests.to see if the banks have sufficient capital to operate under dire scenarios","The Dodd-Frank legislation of 2010 requires the largest banks in the United States to conduct annual",{"answer":57,"createTime":5,"id":58,"options":59,"question":64,"source":27,"type":28},[],393226890,[60,61,62,63],"asset restrictions","efficient market requirements","disclosure requirements","capital requirements","Regulations designed to provide information to the marketplace so that investors can make informed decisions are called",{"answer":66,"createTime":5,"id":6,"options":67,"question":16,"source":27,"type":28},[],[8,9,10,11],{"answer":69,"createTime":5,"id":70,"options":71,"question":76,"source":27,"type":28},[],393226892,[72,73,74,75],"moral hazard","ex ante shirking","pre-contractual opportunism","split incentives","When one party to a transaction has incentives to engage in activities detrimental to the other party, there exists a problem of",{"answer":78,"createTime":5,"id":79,"options":80,"question":85,"source":27,"type":28},[],393226893,[81,82,83,84],"uncommon, averaging less than 30 per year","uncommon, averaging less than 100 per year","common, averaging about 1,000 per year","common, averaging about 600 per year","During the boom years of the 1920s, bank failures were quite",{"answer":87,"createTime":5,"id":88,"options":89,"question":94,"source":27,"type":28},[],393226894,[90,91,92,93],"less; less","more; less","more; more","less; more","A well-capitalized financial institution has ________ to lose if it fails and thus is ________ likely to pursue risky activities",{"answer":96,"createTime":5,"id":97,"options":98,"question":103,"source":27,"type":28},[],393226895,[99,100,101,102],"leverage","loans","liabilities","liquidity","Banks will be examined at least once a year and given a CAMELS rating by examiners. The L stands for"]