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标题: 求助大神帮我走出PREP07 66 的牛角尖啊太难受了！ [打印本页]
作者: zjhuruoxi567 时间: 2015-5-12 23:19
标题: 求助大神帮我走出PREP07 66 的牛角尖啊太难受了！
66. (35089-!-item-!-188;#058&007596)
Bank depositors in the United States are all financially protected against bank failure because the government insures all individuals' bank deposits. An economist argues that this insurance is partly responsible for the high rate of bank failures, since it removes from depositors any financial incentive to find out whether the bank that holds their money is secure against failure. If depositors were more selective, then banks would need to be secure in order to compete for depositors' money.
The economist's argument makes which of the following assumptions?
(A) Bank failures are caused when big borrowers default on loan repayments.
(B) A significant proportion of depositors maintain accounts at several different banks.
(C) The more a depositor has to deposit, the more careful he or she tends to be in selecting a bank.
(D) The difference in the interest rates paid to depositors by different banks is not a significant factor in bank failures.
(E) Potential depositors are able to determine which banks are secure against failure.
非常理解E的正确选项，但是不知道为什么在浑噩中选了B以后虽然知道B不对是无关但就是说服不了自己。求哪位大神帮我捋一下思路详细讲解一下B错在哪里啊。。。
谢谢！
作者: shua2015 时间: 2015-5-13 00:52
since you didn't share your reasoning process, i speculate that you believe these depositors choose target banks based on the security they can provide on deposits, which means, you need additional assumption here. However, No evidence shows that security on deposits is the only selection criterion. In fact, a depositor may choose two out of ten banks simplely because one is near his home and the other is near his workplace. Obviously, distance usually has nothing to do with security.
to sum up, depositors' behaviors may be just random walking. u have to prove it's not random and depositors do have spefic criterian as choice (e) does.
作者: zjhuruoxi567 时间: 2015-5-13 09:35
shua2015 发表于 2015-5-13 00:52 
since you didn't share your reasoning process, i speculate that you believe these depositors choose ...
我想我是把重点放错了 当时做的时候就看到最后一句“compete for thedeposit"所以想应该会要存在多个银行才有可能导致银行compete，后来一想重点根本不在这里
感觉自己做题的时候重点把握很有问题，得好好练习
谢谢！
作者: ukyo2003 时间: 2015-6-6 10:35
shua2015 发表于 2015-5-13 00:52
since you didn't share your reasoning process, i speculate that you believe these depositors choose ...
这个回答质量很高啊
作者: alzn2765 时间: 2015-6-7 01:37
zjhuruoxi567 发表于 2015-5-13 09:35
我想我是把重点放错了 当时做的时候就看到最后一句“compete for thedeposit"所以想应该会要存在多个银行 ...
这道题就是典型的”补齐逻辑链空缺“，fill up gap.
读完前两句话，讲的都是跟bank failue有关的是不？
第三句话，If depositors were more selective，这是不是一个条件句？也就是加了一个条件。之后就是conclusion了then banks would need to be secure in order to compete for depositors' money。
所以，是不是应该让bank failure跟selective建立联系？也就是补上gap？
看哪个选项同时跟bank failure和selective有关： are able to determine就是selective，banks are secure against failure就是bank failure。所以E正确。
[size=13.6842107772827px]
攒人品，希望有人回答我提的问题：[size=13.6842107772827px]
http://forum.chasedream.com/thread-1009949-1-1.html
作者: AnnAys 时间: 2016-6-23 03:18
此贴已收录至<Alzn大神CD答疑集合>！
作者: 晓嘉听话 时间: 2016-8-31 05:11
你的解释太经典了!
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