Which of the following is an example of disinter mediation?

Question: Question 1 (1 point) Question 1 UnsavedWhich of the following were factors exacerbating th Show more Question: Question 1 (1 point) Question 1 UnsavedWhich of the following were factors exacerbating the Great Depression? Question 1 options: deposit insurance higher interest rates falling productivity all of the above 2 (1 point) Question 2 UnsavedARMs Question 2 options: force borrowers to assume some of the interest rate risk from banks. have become less prevalent in the U.S. since the Great Depression both of the above. neither of the above. 3 (1 point) Question 3 UnsavedTechnology has helped to make possible which of the following innovations? Question 3 options: ATMs credit cards mortgage backed securities all of the above 4 (1 point) Question 4 UnsavedRegulators do not consider a financial institution to be a bank if it does not Question 4 options: hold bonds. make loans. borrow from the federal reserve none of the above 5 (1 point) Question 5 UnsavedWhich of the following contributed to the S&L crisis in the 1980s? Question 5 options: rising real interest rates around 1980 S&L involvement in commercial real estate regulatory forbearance all of the above 6 (1 point) Question 6 UnsavedWhich of the following changes or innovations do NOT depend on computer technology? Question 6 options: SWAPs ATMs SWEEP accounts They all depend on computer technology. 7 (1 point) Question 7 UnsavedAccording to the Herfindahl index the U.S banking industry is _____ concentrated than that of most developed economies. Question 7 options: more less equally The Herfindal index is not a measure of concentration. 8 (1 point) Question 8 UnsavedWhich of the following do NOT generate fees for banks? Question 8 options: credit cards securitized loans reserves They all generate fees. 9 (1 point) Question 9 UnsavedWhich of the following contributed to falling profits for banks in the 1970s and early 1980s? Question 9 options: regulatory forbearance high inflation low capital levels all of the above 10 (1 point) Question 10 UnsavedThe erosion of Glass-Steagall allowed financial institutions to take advantage of Question 10 options: economies of scale. economies of scope. interstate banking. online banking 11 (1 point) Question 11 UnsavedWhich of the following is a measure of bank consolidation? Question 11 options: Regulation Q The Gini coefficient The Herfindahl index The Greenspan index 12 (1 point) Question 12 UnsavedBank consolidation is potentially a problem because Question 12 options: larger banks are harder to regulate. banks are less diversified. banks are less able to innovate. all of the above. 13 (1 point) Question 13 UnsavedThe FDICIA helps solve the moral hazard problem between Question 13 options: banks and the public. regulators and banks. politicians and regulators. the public and politicians. 14 (1 point) Question 14 UnsavedBasel II gave more sophisticated guidelines for judging _____ than Basel I. Question 14 options: asset quality capital adequacy liquidity all of the above 15 (1 point) Question 15 UnsavedThe biggest reason for the consolidation of the banking industry in the 1980s was Question 15 options: mergers. bankruptcy. bailouts. all of the above. (1 point) Question 16 UnsavedThe most beneficial government reaction to the Great Depression was Question 16 options: lowering interest rates. raising tariffs. creating the FDIC. raising the reserve requirement. 17 (1 point) Question 17 UnsavedWhich of the following reduces the incentive for consumers to monitor the liquidity of banks? Question 17 options: online banking SWAPs brokered deposits all of the above 18 (1 point) Question 18 UnsavedBank consolidation is desirable because Question 18 options: small banks with little capital are eliminated. banks are more diversified. both of the above. neither of the above. 19 (1 point) Question 19 UnsavedThe creation of the SEC was intended to increase _____ in financial markets. Question 19 options: profits transparency credit risk liquidity 20 (1 point) Question 20 Unsaved Which of the following is an example of disinter mediation? Question 20 options: money market mutual funds insurance companies interest-only mortgages all of the above Show less

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