When dealing with financial regulations, which grammatical structure is correctly used to express completed actions affecting the present?

A. Banks have granted more flexibility in asset valuation

B. Banks were granting more flexibility in asset valuation

C. Banks granting more flexibility in asset valuation

D. Banks had been granting more flexibility in asset valuation

核心考点：现在完成时态表达已完成动作对现状的影响。正确答案A使用have granted符合'已完成改革并产生持续影响'的语境要求。B选项过去进行时表示未完成动作，C选项缺少谓语动词，D选项过去完成进行时不符合金融改革的时间逻辑。易错点：区分不同完成时态的时间指向。

正确答案：A