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派生存款的策源地是（）。
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案例分析题A公司是一家小型企业，成立以来一直持有较多的流动资产，2016年拟调整流动资产投资策略，财务部门做出了以下分析和建议：（1）公司上年度持有现金平均余额为50万元。经分析，公司正常开支的现金需求平均为20万元，另需持有10万元现金以应对意外事项。建议公司减少20万元现金持有量。（2）公司一直采用宽松的信用政策，上年度应收账款平均佘额较高。建议公司提高信用标准、缩短信用期限、加强收账管理以减少应收账款占用的资金，预计可节约资金占用50万元。 流动资产投资策略可分为：宽松型流动资产投资策略、适中型流动资产投资策略和紧缩型流动资产投资策略。指出调整前A公司的流动资产投资策略类型，并分析其特点。
法定存款准备金率的高低由（）根据调控金融的需要加以规定。
（）是指中央银行执行货币政策时所采用的措施和手段。
案例分析题Contrary to what many people believe, highly intelligent children are not necessarily bound to have an academic success. In fact, so-called gifted students may fail to do well because they are unusually smart. Ensuring that a gifted child reaches his or her potential requires an understanding of what can go wrong and how to satisfy the unusual learning requirements of extremely bright young people.One common problem gifted kids face is that they, and those around them, place too much importance on being smart. Such an emphasis can breed a belief that bright people do not have to work hard to do well. Although smart kids may not need to work hard in the lower grades when the work is easy, they may struggle and perform poorly when the work gets harder because they do not make the effort to learn. In some cases, they may not know how to study, having never done it before. In others, they simply cannot accept the fact that some tasks require effort.If the scholastic achievement of highly intelligent children remains below average for an extended period, many teachers will fail to recognize their potential. As a result, such students may not get the encouragement they need, and may further be depressed to learn. They may fall far behind in their schoolwork and even develop behavior problems. Boys may turn aggressive or become class clowns（小丑）.Girls often develop performance anxiety and other symptoms such as stomachaches.One way to avoid such difficulties is to recognize that IQ is just one of the elements for success. Children do well or struggle in school for a host of reasons apart from IQ, according to psychologist Franz Monks of the University of Nijmegen in the Netherlands. These include motivation and persistence, social competence, and the support of family, educators and friends. Emphasizing the importance of persistence and hard work, for example, will help a child avoid the laziness trap. Gifted children also need intellectual challenges-to teach them how to work hard. When too much emphasis is placed on students′ intelligence, people are likely to take it for granted that（）
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