Which of the Following Has Been a Problem Faced by the FDIC

question 309

Multiple Choice

Which of the following has been a problem faced by the FDIC in its provision of federal deposit insurance?

• A) Moral hazard arising from the tendency for the highest-risk banks to be those most interested in obtaining deposit insurance in the first place
• B) Adverse selection arising from the tendency for banks to take on more risk after they receive deposit insurance
• C) Moral hazard arising from the tendency for banks to take on more risk after they receive deposit insurance
• D) A relatively low number of bank failures each year, which has reduced the need for deposit insurance

Comprehend the stages of Tuckman's group development model and the main focus of each stage.

Identify the impact of social phenomena such as social loafing and loss of individuality on group dynamics and performance.

Recognize the importance of group norms and team member behavior standards.

Recognize how group cohesion and team membership can impact job satisfaction and organizational productivity.

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Definitions:

Groupthink

Groupthink refers to the phenomenon where the desire for harmony or conformity in a group leads to an irrational or dysfunctional decision-making outcome, where members suppress dissenting viewpoints, leading to a decrease in critical analysis.

Social Networking Websites

Online platforms that allow users to create personal profiles, interact with friends and family, and meet new people based on shared interests.

Primary And Secondary Groups

Terms in sociology describing two types of social groups: primary groups being small, close-knit, and personally fulfilling; secondary groups being larger, more impersonal and goal-oriented.

Expand Primary Groups

The process of enlarging one's close-knit, intimate social circles, which provide emotional support and a sense of belonging.