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1、1Copyright?2013PearsonEducationInc.EconomicsofMoneyBankingFin.Markets10e(Mishkin)Chapter11EconomicAnalysisofFinancialRegulation11.1AsymmetricInfmationFinancialRegulation1)Depositslackofinfmationaboutthequalityofbankasset

2、scanleadtoA)bankpanics.B)bankbooms.C)sequencing.D)assettransfmation.Answer:AQuesStatus:PreviousEditionAACSB:Analyticskills2)Thefactthatbanksoperateona“sequentialserviceconstraint“meansthatA)alldepositsshareequallyintheba

3、nksfundsduringacrisis.B)depositsarrivinglastarejustaslikelytoreceivetheirfundsasthosearrivingfirst.C)depositsarrivingfirsthavethebestchanceofwithdrawingtheirfunds.D)banksromlythedepositswhowillreceivealloftheirfunds.Answ

4、er:CQuesStatus:PreviousEditionAACSB:Reflectivethinkingskills3)DepositshaveastrongincentivetoshowupfirsttowithdrawtheirfundsduringabankcrisisbecausebanksoperateonaA)lastinfirstoutconstraint.B)sequentialserviceconstraint.C

5、)doublecoincidenceofwantsconstraint.D)everyonesharesequallyconstraint.Answer:BQuesStatus:PreviousEditionAACSB:Reflectivethinkingskills4)Becauseofasymmetricinfmationthefailureofonebankcanleadtorunsonotherbanks.ThisistheA)

6、toobigtofaileffect.B)malhazardproblem.C)adverseionproblem.D)contagioneffect.Answer:DQuesStatus:PreviousEditionAACSB:Analyticskills3Copyright?2013PearsonEducationInc.10)Whenonepartytoatransactionhasincentivestoengageinact

7、ivitiesdetrimentaltotheotherpartythereexistsaproblemofA)malhazard.B)splitincentives.C)exanteshirking.D)precontractualopptunism.Answer:AQuesStatus:PreviousEditionAACSB:Ethicalunderstingreasoningabilities11)Malhazardisanim

8、ptantconcernofinsurancearrangementsbecausetheexistenceofinsuranceA)providesincreasedincentivesfrisktaking.B)isahindrancetoefficientrisktaking.C)causestheprivatecostoftheinsuredactivitytoincrease.D)createsanadverseionprob

9、lembutnomalhazardproblem.Answer:AQuesStatus:PreviousEditionAACSB:Reflectivethinkingskills12)WhenbaddriverslineuptopurchasecollisioninsuranceautomobileinsurersaresubjecttotheA)malhazardproblem.B)adverseionproblem.C)assign

10、edriskproblem.D)illqueueproblem.Answer:BQuesStatus:PreviousEditionAACSB:Reflectivethinkingskills13)Depositinsuranceisonlyonetypeofgovernmentsafety.Allofthefollowingaretypesofgovernmentsupptftroubledfinancialinstitutionse

11、xceptA)fgivingtaxdebt.B)lendingfromthecentralbank.C)lendingdirectlyfromthegovernmentstreasurydepartment.D)nationalizingguaranteeingthatallcreditswillberepaidtheirloansinfull.Answer:AQuesStatus:PreviousEditionAACSB:Reflec

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