单项选择题

Both joint ventures and wholly-owned facilities are（）.

A.foreign direct investment
B.international finance
C.technology transfer
D.importing/exporting

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Which of the following is not an institutional shareholder？（）

A.banks
B.pension funds
C.insurance companies
D.individual shareholders
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Which of the following aspects is not what an economic union concerns？（）

A.common currency
B.harmonized tax rates
C.harmonized tax rate structures
D.common political policy
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