Reserve Banks have expressed an
interest in using non-employee experts or consultants on bank supervision
matters for a number of reasons. A Reserve Bank may seek to engage retired
examiners to address fluctuating resource demands, for example, in the event of
a rapid but temporary need for examiners experienced in loan underwriting and
credit review. An external expert may be used to provide supplemental training,
for example, to expose examiners to new analytical techniques, or to provide
on-the-job training to examiners who have not experienced an economic downturn,
problem loans, or problem banks. While it is important to maintain adequate
resources and expertise on an ongoing basis, a Reserve Bank may decide in a
particular situation that using a consultant is a more cost effective or
efficient approach to meeting a specialized skill need. For example, a
consultant may be engaged for a one-time assignment that does not justify a
full-time expert on staff, particularly if a System expert is not available.
Similarly, an external expert with industry-specific knowledge may be retained
to evaluate a business activity that is nontraditional to banking, such as
brokerage services or insurance.
单选题
The external experts can provide many kinds of works except auditing.
单选题
Using an external consultant is a more cost effective or efficient approach to meeting a specialized skill need.
【正确答案】
C
【答案解析】文中第四句后半句...a Reserve Bank may decide...to meeting a specialized skill need，意指在某种特定情况下，雇请顾问以满足专业需求是一种更花钱和有效的方法，并没有明确指出雇请顾问是一种满足专业需求成本更大但更有效的方法。
单选题
An external consultant must work with some System experts.
【正确答案】
C
【答案解析】文中倒数第二句(例子)，For example，a consultant may be engaged for a one-time assign-merit that does not justify a full-time expert on staff, particularly if a System expert is not available，意指在系统专家没空时，顾问可以保证机构本身专家所不能保证的一次性任务的公正性，并没有明确提及外部顾问必须和系统专家一起工作。