第一章2WheninterestratesrisehowmightbusinessesandconsumerschangetheireconomicbehaviorBusinesseswouldcutinvestmentspendingbecausethecostoffinancingthisspendingisnowhigherandconsumerswouldbelesslikelytopurchaseahouseoracarbecausethecostoffinancingtheirpurchaseishigher11whatisthebasicactivityofbanksBanksacceptdepositsandthenusetheresultingfundstomakeloans14WhattypesofrisksdofinancialinstitutionsfaceTheprofitabilityoffinancialinstitutionsisaffectedbychangesininterestratesstockpricesandforeignexchangera