The Euro has become an important foreign currency deposit in the United States, mainly because US banks issue …

Question

The Euro has become an important foreign currency deposit in the United States, mainly because US banks issue Euro deposit accounts with narrower margins relative to domestic currency deposits for Euro trading. What nature of Euro deposits is it in the United States for US banks to do so?
(A) Important exchange currency.
(B) Good investment target.
(C) Free of regulation.
(D) Social status symbol.

Accepted Answer

正確答案為 C。 歐洲美元（Eurocurrency）存款之所以能壓低利差，關鍵在於不受本國央行法規管制，無準備金與利率上限限制。 (A) 【交易貨幣】歐元確實是重要的交易貨幣，但這無法解釋為何美國銀行願意用『較窄的利差』承作歐元存款。題目問的是「為何能壓低利差」，而非歐元的國際地位。 (B) 【投資工具】「投資標的」是存款人角度，但題目問的是美國銀行（供給面）為何能提供較優惠的利差。是否為好投資與銀行的成本結構無直接關聯，屬於視角誤導。

The Euro has become an important foreign currency deposit in the United States, mainly because US banks issue Euro deposit accounts with narrower margins relative to domestic currency deposits for Euro trading. What nature of Euro deposits is it in the United States for US banks to do so?

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