包邮大学英语精读课外自测-4-第三版

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《大学英语精读课外自测4(第3版)》系列教材自1992年正式出版以来，曾荣获全国高等学校第二届优秀教材特等奖、国家教委高等学校第二届优秀教材一等奖，深受全国广大师生欢迎。随着时代的发展，该套教材也与时俱进，先后经过两次修订，*新修订后的《大学英语（第三版）》系列教材于2006年起陆续出版。为了帮助学生充分吸收教材所授知识，更好地掌握教材内容，上海外语教育出版社策划、组织编写了本套《课外自测》，配合该套教材的《精读》教程使用。

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插图：As banks grow bigger, they seem less fearsome. Why？ The answer is that banks have shrunk inpower even as they have expanded in size.Traditionally, banking has been a simple business.Deposits come through one door, loans go out through another. Profits derive from the spreadbetween interest rates on deposits and loans. If savers and borrowers cannot go elsewhere, banks arepowerful. And if there are other choices, banks are less powerful. And so it is.We inhabit an age of superabundant credit and its purveyors A century ago, matterswere different. Small depositors could choose from only one or several local banks; getting a loanmeant winning the good graces of the neighborhood banker. Even big corporations depended on afew banks or investment houses.