The Economics of Money Banking and Financial Markets 10E - Mishkin - TB chapter 12

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1、EconomicsofMoney,Banking,andFin.Markets,10e(Mishkin)Chapter12BankingIndustry:StructureandCompetition12.1HistoricalDevelopmentoftheBankingSystem1)ThemoderncommercialbankingsystembeganinAmericawhentheA)BankofUnitedStateswascharteredinNewYorkin1801.B)BankofNorthAmericawascharter

2、edinPhiladelphiain1782.C)BankofUnitedStateswascharteredinPhiladelphiain1801.D)BankofNorthAmericawascharteredinNewYorkin1782.Answer:BQuesStatus:PreviousEdition2)AmajorcontroversyinvolvingthebankingindustryinitsearlyyearswasA)whetherbanksshouldbothacceptdepositsandmakeloansorwh

3、etherthesefunctionsshouldbeseparatedintodifferentinstitutions.B)whetherthefederalgovernmentorthestatesshouldcharterbanks.C)whatpercentofdepositsbanksshouldholdasfractionalreserves.D)whetherbanksshouldbeallowedtoissuetheirownbanknotes.Answer:BQuesStatus:PreviousEditionAACSB:Re

4、flectivethinkingskills3)ThegovernmentinstitutionthathasresponsibilityfortheamountofmoneyandcreditsuppliedintheeconomyasawholeistheA)centralbank.B)commercialbank.C)bankofsettlement.D)monetaryfund.Answer:AQuesStatus:PreviousEdition4)Becauseoftheabusesbystatebanksandtheclearneed

5、foracentralbanktohelpthefederalgovernmentraisefundsduringtheWarof1812,CongresscreatedtheA)BankofUnitedStatesin1812.B)BankofNorthAmericain1814.C)SecondBankoftheUnitedStatesin1816.D)SecondBankofNorthAmericain1815.Answer:CQuesStatus:PreviousEdition28Copyright©2013PearsonEducatio

6、n,Inc.5)TheSecondBankoftheUnitedStateswasdeniedanewcharterbyA)PresidentAndrewJackson.B)VicePresidentJohnCalhoun.C)PresidentBenjaminHarrison.D)PresidentJohnQ.Adams.Answer:AQuesStatus:PreviousEdition6)CurrencycirculatedbybanksthatcouldberedeemedforgoldwascalledA)junkbonds.B)ban

7、knotes.C)goldbills.D)statemoney.Answer:BQuesStatus:PreviousEdition7)Toeliminatetheabusesofthestate-charteredbanks,the________createdanewbankingsystemoffederallycharteredbanks,supervisedbythe________.A)NationalBankActof1863;OfficeoftheComptrolleroftheCurrencyB)FederalReserveAc

8、tof1863;OfficeoftheComptrolleroftheCurrencyC)NationalBankActof1863;O