资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered bank

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资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.
Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.
As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.
In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.
There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.
Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.
The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.
i.Managing the monetary system and money supply of the USA;
ii.Providing funds as the lender of last report;
iii.Providing for an efficient cherub clearing system;
iiii.Providing a rigorous banking supervision system.

What is the charting authority of the USA for banks?（）

A.FRA
B.Laws of states
C.Fed
D.OCC

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相似问题和答案

第1题：

A sound bank will not suffer from the bankruptcy of other unrelated banks.

A．Right

B．Wrong

C．Doesn't say

正确答案：C
解析：段落最后指出problems in one institution may have wider，systemic repercussions on others，or on the integrity of the payments system，并没有明确指出运营良好的银行不受其他无关银行破产的影响。

第2题：

听力原文：M: Most banks tend to decline loan proposals which are highly speculative.

W: I think because the banks expect the loan to generate sufficient profit and positive cash-flow for themselves and for the clients.

Q: What will the banks usually do to the highly speculative loan proposals?

(15)

A．The banks will disapprove them.

B．The banks will approve them.

C．The Bank will benefit from the loans.

D．The bank will make profit from lending.

正确答案：A
解析：根据男士的话可知银行对投机性高的贷款申请的态度是“decline”，即“拒绝”，A项正确。

第3题：

Popular breakfast foods in the United States, as in many other countries around the world, include coffee, milk, juice, eggs and bread. Some other breakfast items served in the United States are thought by many to be traditionally American. However, they actually come from other countries.

A very popular breakfast food in America is the pancake---a thin, flat cake made out of flour and often served with maple syrup. The idea of the pancake is very old. In fact, pancakes were made long ago in ancient China.

Bagels, a round thick bread with a hole in the middle, are also popular for breakfast in America. Polish people in the late 1600s came up with the idea for the first bagels and this new kind of bread soon took off across Eastern Europe.

In the late 1800s, thousands of Jews from Eastern Europe traveled to the United States and brought the recipe for bagels with them. Today, New York bagels are said to be the best in the world. Many people have them with cream cheese for breakfast on the go.

Doughnuts (usually spelled “donut” in the United States) came from France. They were served to American soldiers in France during World War Ⅰ(第一次世界大战). After the war, American soldiers asked cooks in the United States to make doughnuts for them. Now, served with coffee, they are a very popular breakfast food across the United States.

41. This reading is mainly about _______.

A. famous places in the United States to eat breakfast

B. popular American breakfast foods coming from China

C. the most popular types of pancakes in the United States

D. the history of popular breakfast foods in the United States

正确答案：D

第4题：

Which is the best title of this passage?

A. The Earliest People in North America.

B. The Earliest Immigrants to North America.

C. The People of the United States.

D. Europeans Were the Earliest People Coming to the North America.

正确答案：B
文章主要讲的是到北美的移民，所以选B。

第5题：

Which of the following are interest-earning securities?

A．Bank deposit certificates in Eurodollars.

B．Gilt-edged stocks.

C．United States Treasury Bonds.

D．All of the above.

正确答案：D
解析：第二段第二句后半句1) interest rate movements—by trading interest beating securities, such as…and United States Treasury Bonds. interest—earning securities与interest bearing securities含义相同，都指生息证券。

第6题：

From the point of view of a Chinese bank, ______ is our bank's account in the books of an overseas bank, denominated in foreign currency.

A．a vostro account

B．a nostro account

C．a mirror account

D．a record account

正确答案：B
解析：句意：从一个中国的银行的角度而言，往账是我行在海外行开户并持有的账户，该账户用外币记账。来帐是海外行在我行开户，用人民币记账。denominated in foreign currency用外币计价。vostro account来帐。nostro account往帐。mirror account镜子账户(指银行必须对自己的往账保持记录，目的在于收到对方银行的对账单时可以进行核对)。

第7题：

In the foreign exchange market, which is made up of banks' traders and brokers, prices (61) every minute (62) to supply and demand. For safety's sake, a branch will get a rate from their traders for a big transaction. Therefore the traders give their branches lists of exchange rates (63) they may buy and sell notes and payments in the main currencies.

Whenever a bank in Britain makes a payment in foreign currency, or makes a payment in sterling to a non-resident, the payment has first to (64) under British exchange control regulations. The bank itself can usually authorize the payment after seeing a document such as an invoice to show that the payment is due; but cases (65) borrowing and lending have to be referred to the Bank of England.

(46)

A．alter

B．vary

C．turn

D．convert

正确答案：B
解析：vary变化，改变，不及物动词。alter改变，常作及物动词。convert使转变，转换。

第8题：

In 1863, the United States created a truly national banking system with a standard paper currency.()

此题为判断题(对，错)。

正确答案:√

第9题：

听力原文：Many banks in America now carry accounts with the Bank of China, Shanghai.

(5)

A．Many banks in America accept accounts with the Bank of China, Shanghai.

B．Many banks in America start business with the Bank of China, Shanghai.

C．Many banks in America have accounts with the Bank of China, Shanghai.

D．Many banks in America owe money to the Bank of China, Shanghai.

正确答案：C
解析：carry accounts with意为“与…有账户往来”。

第10题：

共用题干
第三篇

In the early days of the United States,postal charges were paid by the recipient and charges varied with the distance carried.In 1825,the United States Congress permitted local postmasters to give letters to mail carriers for home delivery,but these carriers received no government salary and their entire compensation depended on what they were paid by the recipients of individual letters.In 1847,the United States Post Office Department adopted the idea of a postage stamp,which of course simplified the payment for postal service but caused grumbling by those who did not like to prepay.
Besides,the stamp covered only delivery to the post office and did not include carrying it to a private address.In Philadelphia,for example,with a population of 150,000,people still had to go to the post office to get their mail.The confusion and congestion of individual citizens looking for their letters was itself enough to discourage use of the mail.It is no wonder that,during the years of these cumbersome arrangements,private letter-carrying and express businesses developed.Although their activities were only semi-legal,they thrived and actually advertised that between Boston and Philadelphia they were half-day speedier than the government mail.The government postal service lost volume to private competition and was not able to handle efficiently even the business it had. Finally,in 1863,Congress provided that the mail carriers who delivered the mail from the post offices to private addresses should receive a government salary,and that there should be no extra charge for that delivery.But this delivery service was at first confined to cities,and free home delivery became a sign of urbanization.In 1890,of the 75 million people in the United States,fewer than 20 million had mail delivered free to their doors.The rest,nearly three quarters of the population,still received no mail unless they went to their post office.

Which of the following statements about free home delivery in the United States of the late 19th century is not true?
A:Mail carriers got paid by recipients.
B:Mail carriers got paid by government.
C:Most people still went to post office to get mails.
D:Only people living in big cities could have the service.

答案：A

解析：

本题是综合理解能力考查题。题目是：以下哪项是文章的主要内容？选项A“政府邮政系统的发展”，选项B“私人邮政服务的增长”，选项C"邮票的历史”，选项D “城市和乡村邮政服务对比”。通观全文可知答案选A。
本题是细节考查题。题目是：以下哪一点是邮票的不足之处？原文提，到 “在1847年，美国邮政部门开始使用邮票，这样会简化邮资问题，但也遭到那些不愿预付邮费的人的抱怨”。因此答案选A。
本题是细节考查题。题目是：cumbersome一词在文中的意思是什么？根据上下文，原文提到“难怪在多年不方便的邮政服务中，私人邮件和快递迅速发展”。因此答案选C。
本题是细节考查题。题目是：以下哪一项是私人邮政优于政府邮政服务的方面？原文提到“从波士顿到费城，它们寄送的邮件速度要比政府寄送的时间快半天”。因此答案选B。
本题是细节考查题。题目是：以下哪项对19世纪末美国免费送信上门的服务描述不正确？原文涉及的内容是“最后在1863年，国会规定谁把邮件从当地邮局递送给市民将得到政府的工资，同时不再有额外收费。但是这种邮政服务最初仅局限于城市，免费送货上门成为城市化标志之一”。因此答案选A。

资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to

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