Solved >     51) The founding of the Canada:1239937 …



51) The founding of the Canada Deposit Insurance Corporation (CDIC) was much later than deposit insurance arrangements in other countries because

A) Canada’s banking system started so much later.

B) Canada did not experience the episodes of widespread bank failure and banking panics.

C) Canada had a weak reactive government.

D) Canadian banks are so much smaller.

E) Canadian banks are relatively large and well diversified geographically.

52) A mortgage-backed security is

A) premiums for mortgate default insurance.

B) insurance for banks against the risk of a mortgage default.

C) insurance for consumers against the risk of a mortgage default.

D) a claim to the payoff from a mortgage default.

E) a claim to the payoffs on a portfolio of mortgages.

53) The securitizing of mortgages is

A) more common in Canada than the U.S.

B) equally prevalent in Canada and the U.S.

C) more common in the U.S. than Canada.

D) plagued by incentive problems in Canada.

E) decreasing in the U.S. and Canada.

54) A credit default swap is

A) insurance on a debt contract.

B) not relevant for holders of mortgage backed securities.

C) a primary function of financial intermediaries.

D) a claim to the payoffs on a portfolio of mortgages.

E) insurance for consumers against the risk of defaulting on their mortgages.

55) In comparing the U.S. and Canadian banking systems, on an average per capita basis, Canada has

A) fewer banks, but each bank has more branches.

B) more banks and each bank has more branches.

C) more banks, but each bank has fewer branches.

D) fewer banks and each bank has fewer branches.

E) fewer and smaller banks.

56) The most recent Canadian chartered bank failure involved the failure of the

A) Bank of Canada.

B) Home Bank.

C) Washington Mutual Bank.

D) Bank of America.

E) Northland Bank and the Canadian Commercial Bank.

57) Bank failures are less likely to occur in Canada than in the U.S. because Canadian banks are

A) relatively small.

B) relatively large and well diversified geographically.

C) have larger liquid asset bases.

D) the Bank of Canada monitors the behaviour of the chartered banks.

E) in smaller numbers than in the U.S.

58) Recent bank failures in Canada were primarily due to the banks

A) lending mostly to U.S. customers.

B) lending mostly to firms in the developing nations.

C) lending practices exposing the banks to local shocks within the economy.

D) historically low interest rates.

E) facing a severe economy recession in Canada.

59) The phenomenon in which an insured individual takes less care in preventing the event against which he or she is insured is an example of

A) foolish behavior.

B) adverse selection.

C) moral hazard.

D) double coincidence of wants.

E) nondiversifiable risk.

60) Moral hazard is a problem in providing deposit insurance because insured banks are

A) more likely to make bookkeeping errors.

B) overly cautious due to extra regulations adopted by the Canada Deposit Insurance Corporation.

C) more likely to provide bank managers with lavish perquisites.

D) encouraged to take on more risk.

E) more likely to offer interest rates on loans that are greater than market interest rates.

61) The argument that deposit insurance can prevent the failure of an otherwise sound bank is based on the idea that

A) bank examinations by the Canada Deposit Insurance Corporation (CDIC) weed out badly managed banks.

B) the existence of deposit insurance may prevent self-fulfilling panics.

C) potential deposits need not be concerned about account overdrafts.

D) deposit insurance restores confidence in the stock market.

E) deposit insurance restores confidence in the bond market.

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