参考答案

　　Translation:

　　维持美国银行业系统稳定的手段有监管、调控、查账、存款保险以及给经营困难的银行提供贷款。50多年以来，这些防范措施已经防止了一些银行业危机。不过还是有很危急的时候。1984年的伊利诺伊大陆银行和芝加哥信托公司的倒闭虽然没有导致银行业系统的崩溃，但是影响也不小。

　　大陆银行20世纪70年代末期快速成为中西部银行中的领头雁。可它的一些发展策略是很危险的。该银行在能源领域发放了很多贷款，包括从俄克拉荷马市的Penn Square银行接管10亿美元。为了获得放贷所需的资金，大陆银行过度依赖从其他银行借来的短期贷款和30天大额定期存单（银行业的行话称为“热钱”）。至少有一位大陆银行官员看到了危险征兆并给她的上级写了备忘录，但并未受到重视。尽管货币监理经常对大陆银行进行检查，但也没能发现问题的严重性。

　　Writing:

　　【参考范文】

　　Good Management Can Help the Organization Achieve Its Desired Results

　　Nowadays, people are increasingly realizing the importance of good management in various fields. Good management is essential to an organization that wants to achieve its desired results. It is a really tough job to manage human resources for any organization. Especially when the organization consists of scientists and research workers, the job will become more challenging.

　　As far as I am concerned, when dealing with this issue, there are several aspects to be considered. First of all, the manager should avoid simple and rather straightforward approaches when communicating with research staff, because research staff are all learned and highly bigoted individuals who have independent thinking. If the manager wants to solve the problems, he must know what the researchers are doing, thinking and talking about. Secondly, the manager must show his sincerity whenever discussing something with scientific staff, because these scientific staff are decent people and sensitive to the way of treatment.

　　All statements above indicate that a good manager should do his utmost to create a harmonious environment for research and offer best living conditions to scientific staff.