Questões de Concurso Público Banco do Brasil 2015 para Escriturário

In the fragment of the text “the efficient allocation of economic resources is achieved by a financial system that allocates money to those people and for those purposes that will yield the greatest return” (lines 19-22), the verb form yield can be replaced, without change in meaning, by

The relative pronoun which in the fragment of the text “which include banks, insurance companies, pension funds, organized exchanges, and the many other companies" (lines 24-26) refers to