2. 外语
  3. —Read the article below about Federal Deposit Insurance Corporation. —Choose the best word to fill each gap, from A, B, C or D.

—Read the article below about Federal Deposit Insurance Corporation. —Choose the best word to fill each gap, from A, B, C or D.

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问题 —Read the article below about Federal Deposit Insurance Corporation.
—Choose the best word to fill each gap, from A, B, C or D.
—For each question 19-33, make one letter (A, B, C or D) on your Answer Sheet,
—There is an example at the beginning.

                                Federal Deposit Insurance Corporation
    Before 1993, and particularly during the period 1929-33, bank failures were not uncommon. (19)______ a bank overextended itself in creating credit or if several of its important loans could not be repaid, depositors in the bank would frequently become panicky (惊慌的) and (20)______ to make large withdrawals. (21)______ the bank had only a small number of its deposits backed by currency, the bank would soon be unable to meet withdrawals, and most depositors (22)______ their money. Most frequently a bank merely needed time to improve its cash position by calling in some of its loans and not making additional ones. In 1933, the number of bank failures (23)______ a peak, forcing the federal government to intervene and (24)______ the banks temporarily (暂时地). To help restore the public’s confidence in banks and strengthen the banking community, Congress passed legislation setting (25)______ the Federal Deposit Insurance Corporation. (26)______ corporation, an agency of the federal government, now insures over 90 percent of all mutual (互相的) savings and commercial bank deposits for (27)______ $100,000 per deposit. The FDIC has (28)______ its insurance fund by charging member institutions one-twelfth of 1 percent of their total deposits.
    As a result of the protection (29)______ by the FDIC and through other kinds of supervision (监管), bank failures have been reduced to a few isolated instances. When deposits are federally insured, people (30)______ rush to withdraw their money if they (31)______ the financial condition of their bank. The delay gives the banks the necessary time to adjust their cash credit balance, and this action helps to reduce the (32)______ of bankruptcy (破产). For an example of the value of the FDIC, note that the failure in 1974 of the huge Franklin National Bank did not (33)______ a panic, and that depositors lost no money as Franklin was taken over by another bank.

选项 A、lost
B、had lost
C、will lost
D、would lose
答案D
解析 这个句子的主句由两部分组成，并由and连接，每一部分都有主语(the bank，most depositors)，在这种情况下，不能省略情态动词，所以A是错误选择；因为两个谓语部分表示的是同一原因会引发的结果，所以，它们应使用同样的动问形式。因此，D是正确选择。
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