MBA历年英语阅读理解真题(01-12年).doc

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1、2001年MBA英语真题及答案　　Questions31to34arebasedonthefollowingpassage:　　ThestabilityoftheU.S.bankingsystemismaintainedbymeansofsupervisionandregulation,inspections,depositinsurance,andloanstotroubledbanks.Forover50years,theseprecautionshavepreventedbankingpanics.H

2、owever,therehavebeensomeclosecalls.ThecollapseofContinentallllinoisBank&TrustedCompanyofChicagoin1984didnotbringdownthebankingsystem,butitcertainlyrattledsomewindows.　　Inthelate1970s,ContinentalsoaredtoaleadershippositionamongMidwesternbanks.Partsofitsgrowt

3、hstrategywererisky,however.Itmademanyloansintheenergyfield,includingbillionthatittookoverfromPennSquareBandofOklahomaCity.Toobtainthefundsitneededtomaketheseloans,Continentalreliedheavilyonshorttermborrowingfromotherbanksandlarge,30daycertificatesofdeposit

4、-"hotmoney",inbankingjargon.AtleastoneContinentalofficersawdangersignsandwroteawarningmemotohersuperiors,butthememowentunheeded.AlthoughtheComptrolleroftheCurrencyinspectedContinentalonaregularbasis,itfailedtoseelowseriousitsproblemsweregoingtobe.　　PennSqua

5、reBankwasclosedbyregulatorsinJuly1982.Whenenergypricesbegantoslip,mostofthebillioninloansthatContinentalhadtakenoverfromthesmallerbanksturnedouttobehad.OtherloanstotroubledcompaniessuchChrysler,lnternationalHarvester,andBranifflookedquestionable.Seeingthesep

6、roblem，"hotmoney"ownersbegantopulltheirfundsoutofContinental.　　Bythespringof1984,arunonContinentalhadbegun.InMay,thebankhadtoborrow.5billionfromtheFedtoreplaceovernightfundsitbadlost.Butthiswasnotenough.TotrytostemtheoutflowofdepositsfromContinemtal,theFDIC

7、agreedtoguaranteenotjustthefirst,000ofeachdepositorsmoneybutallofit.Nevertheless,theruncontinued.　　FederalregulatorstriedhardtofindasoundbankthatcouldtakeoverContinental-acommonwayofrescuingfailingbanks.ButContinentalwasjusttoobigforanyonetobuy.ByJuly,allh

8、opeofaprivatesectorrescuewasdashed.Regulatorsfacedastarkchoice:LetContinentalcollapse,ortakeitoverthemselves.　　Lettingthebankfailseemedtoorisky.Itwasestimatedthatmorethan100otherbankshadplacede