Question 38 Non-depository financial intermediaries include: Not yet answered Select one: Points out of 1.0 a. Credit unions, insurance companies, and savings banks O b. Mutual funds, pension funds, and commercial banks Flag question c. Savings banks, finance companies, and mutual funds d. Finance companies, pension funds, and insurance companies Question 39 Not yet answered Which of the following statements is false concerning non-depository intermediaries? 1. In aggregate, they loan considerably less money than the nation's depository institutions II. They increase the velocity of circulation of the money supply when making loans III. They are prevented by law from making commercial loans, since they are not commercial banks Points out of 1.0 Flag question Select one: a. I only b. I and II only O c. I and III only O d. I, II, and III Question 40 Not yet answered Which of the following statements is true concerning financial intermediaries? 1. They transform claims in the process of channeling funds II. They can reduce the risks associated with borrowing and lending III. They are engaged in a form of direct financing Points out of 1.0 P Flag question Select one: A. I only OB. I and II only OC. I and III only OD. I, II, and