1、判断题：
In the United States, banks are regulated through a dual banking system; that is, both federal and state authorities have significant regulatory powers.
选项：
A:错
B:对
答案: 【对】

2、判断题：
美国金融业属于混业经营，混业监管。
选项：
A:对
B:错
答案: 【错】

3、判断题：
In the USA，OCC issues charters for new national banks.
选项：
A:错
B:对
答案: 【对】

4、单选题：
下面对中国金融业和金融监管体制说法正确的是（）
选项：
A:中国金融业属于分业经营，混业监管
B:中国目前主要金融监管机构是一行三会
C:中国目前主要金融监管机构是一行两会
D:中国金融业属于混业经营，分业监管
答案: 【中国目前主要金融监管机构是一行两会】

5、单选题：
中央银行作为金融监管的重要机构，通过制定和实施货币政策进行宏观调控，下面的货币政策工具使用中属于扩张性货币政策的是（）
选项：
A:窗口指导
B:提高法定存款准备金率
C:降低再贴现率
D:在公开市场上出售有价证券
答案: 【降低再贴现率】

6、判断题：
The role performed by banks in the economy in which they transform savings into credit is known as the intermediation role.
选项：
A:对
B:错
答案: 【对】

7、判断题：
Bank holding companies are allowed to own nonbank businesses as long as those businesses offer services closely related to banking.
选项：
A:对
B:错
答案: 【对】

8、判断题：
A unit branch faces the risk of variability in earnings if the surrounding economy weakens and people and businesses move away to other market areas.
选项：
A:错
B:对
答案: 【对】

9、单选题：
During the financial crisis of 2007-2009, the collapse of Lehman Brothers and the bailout of Bear Stearns reaffirmed the importance of the fundamental principle of ( ).
选项：
A:superior management
B:regulatory arbitrage
C:government bailout
D:globalization
E:public trust and confidence in the system
答案: 【public trust and confidence in the system】

10、单选题：
In theory, if an interstate organization can acquire banks in states where bank earnings have a ( ) with bank earnings in those states where the interstate company is already represented, a "portfolio effect" may occur.
选项：
A:positive covariance
B:zero correlation
C:negative correlation
D:perfectly positive correlation
答案: 【negative correlation】