[填空题]
用下面的词汇填空
increase, engage, capital,
protect, failures, fail, interests,
efficiently,
expensive, align,
protect, insurance, defraud, losses,
closes
Bank managers and owners must not be given
incentives to{{U}} (1) {{/U}}in behavior detrimental to the whole
banking system. They must either run their banks{{U}} (2) {{/U}}or face
failure. Deposit insurance is meant to{{U}} (3) {{/U}}the banking
system, not poorly run banks. The fact is that bank{{U}} (4) {{/U}}are
often self-inflicted by owners and managers who mismanage. Such losses can
be reduced if the supervisor{{U}} (5) {{/U}}the bank before it fails
totally, since delaying a bank closing or sale tends to increase{{U}} (6)
{{/U}}and to spread them to the banking system as a whole.
Even without deposit insurance, bank managers may pursue their own{{U}}
(7) {{/U}}at the expense of the bank. But the problem gets worse
with{{U}}
