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A. The bank they’re talking about is doing well. B. They made a lot of money as a loan shark. C. They are discussing interest rate as an important monetary policy tool. D. It is very competitive in obtaining low interest rate loans.

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甲继承了一套房屋,在办理产权登记前将房屋出卖并交付给乙,办理产权登记后又将该房屋出卖给丙并办理了所有权移转登记。丙受丁胁迫将房屋出卖给丁,并完成了移转登记。丁旋即将房屋出卖并移转登记于戊。请回答下列问题:在办理继承登记前,关于甲对房屋的权利状态,下列选项正确的是:()A.甲已经取得了该房屋的所有权B.甲对该房屋的所有权不能对抗善意第三人C.甲出卖该房屋未经登记不发生物权效力D.甲可以出租该房屋()

A. 承了一套房屋,在办理产权登记前将房
B. 甲对该房屋的所有权不能对抗善意第三人
C. 甲出卖该房屋未经登记不发生物权效力
D. 甲可以出租该房屋

A. the market prices B. the expansion of the bank C. hiring new staff D. the cost of the bank operation

A. husband and wife B. teacher and student C. banker and his customer D. employer and employee

Who can spot the risks The grand circle that regulators have to square is this: how to establish a framework of regulation that accommodates the characteristics of the traditional specialised banking system and mark it off from other businesses. With the sort of diversified financial services that are actually evolving, the era of strictly compartmentalised financial institutions is passing, leaving the regulatory system designed to match it looking increasingly out of date. Which of the following sentences do you think is the first sentence of Paragraph 3 A. The history of attempted bank regulation extends far back to the early days of the foundation of the Bank of England. B. Bankers in America are complaining that proposed deregulation of financial institutions there will open the way to increase foreign competition. C. Nonetheless, few foresee anything but the most limited merging of existing regulatory agencies, even within single countries. D. Japan’s central bank has just announced liberalised arrangements for banks wishing to raise more capital.

A single omnipotent, omniscient regulator for all financial services remains dream. Many say it will stay that way, pointing out how long it took to get agreement just on rudimentary international rules for the capital adequacy of banks. Yet regulators everywhere acknowledge the need to cooperate more closely with their opposite numbers across industrial and geographical boundaries. They also agree that greater harmonisation of regulatory standards on everything from reporting requirements to risk assessment will come surely, if slowly.
B. Much of that is likely to be mere tidying up. A good place to start in America would be scrapping the separate regulation of thrifts, If they have been there is little reason not to regulate them as banks (and especially given the mess thrift regulators have made of the job) . It is what Japan has sensibly done by making its equivalent of thrifts, so go banks, choose to be either credit unions or to become commercial banks. Britain, too, has let those of its building societies with ambitions to be banks, and to be regulated as such.
C. These are moves in another right direction to switch away from regulation by institution, as mostly happens now, to regulation by function. This means that regulation becomes a matter of supervising what is done rather than who does it.
D. Unsystematic deregulation has brought the system to its present ugly pass. This has left an increasing number of competitive anomalies. Much of the pressure for, and resistance to, further change comes from those institutions that wish to alleviate or entrench their market disadvantage. In both America and Japan, the debates about reforming the domestic financial systems, and in particular about updating Glass - Steagall and Article 65 respectively, have been slowed by political horse - trading. This is making worse a situation in which competition is keeping the prices of many financial services artificially low and capacity artificially great in a way that cannot be sustained for long. Systemic risk gets greater, not less, the longer the system is skewed.
E. The point is long past at which regulators might have been able to force market practices back into the old regulatory framework. The global competitive and technological forces against them are too powerful. Neither is the option of turning back the clock through re - regulation feasible, and few regulators show signs either of wanting to undertake such a course, or of having the stomach for the political fight it would entail. Even in Japan, where regulators hold a sway over their industries that their counterparts in Europe and America can only envy, and where the financial system is being emerging new economy. This is being done with the grain of market forces, not against it.

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