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标题: OG131 [打印本页]
作者: 马尔代夫    时间: 2006-4-25 20:30
标题: OG131

131.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.



Which of the following, if true, most seriously weakens the economist's argument?


(A) Before the government started to insure depositors against bank failure, there was a lower rate of bank failure than there is now.


(B) When the government did not insure deposits, frequent bank failures occurred as a result of depositors' fears of losing money in bank failures.


(C) Surveys show that a significant proportion of depositors are aware that their deposits are insured by the government.


(D) There is an upper limit on the amount of an individual's deposit that the government will insure, but very few individuals' deposits exceed this limit. B


(E) The security of a bank against failure depends on the percentage of its assets that are loaned out and also on how much risk its loans involve.



题目：因为政府保护，导致银行高错误率，因此取消政府保护，增加储户选择性，银行竞争减少错误


结论：取消政府保护，增加储户选择性，银行竞争减少错误


削弱：取消政府保护会出问题


加强：取消政府保护，对银行有好处


问削弱，答案是B，没问题。


(C) Surveys show that a significant proportion of depositors are aware that their deposits are insured by the government.


C:调查表明许多储户都知道银行被政府保护.


(D) There is an upper limit on the amount of an individual's deposit that the government will insure, but very few individuals' deposits exceed this limit.


D:政府对存款保护上限，没有人会超过这个上限。


OG上解释C,D都是support,为什么？



作者: 司香尉    时间: 2006-4-25 20:55

那个经济学家说联邦政府对银行存款的保险措施, 使银行的破产率增加, 原因是存款人懒得去发现银行是否安全可靠，


CD都是说人们知道自己的钱被银行保护，支持了经济学家说人们懒得去发现银行是否安全可靠的说法。


[此贴子已经被作者于2006-4-25 20:57:00编辑过]
作者: 马尔代夫    时间: 2006-4-25 23:03
以下是引用司香尉在2006-4-25 20:55:00的发言：

那个经济学家说联邦政府对银行存款的保险措施, 使银行的破产率增加, 原因是存款人懒得去发现银行是否安全可靠，


CD都是说人们知道自己的钱被银行保护，支持了经济学家说人们懒得去发现银行是否安全可靠的说法。



有道理，多谢！

作者: nickforget    时间: 2006-4-26 18:46
请问b怎么削弱呢？
作者: you_youl    时间: 2006-4-26 20:32
b说在没有政府保护的时候也经常有银行破产，这是由于储户担心银行破产而不去银行造成的，也就是说国家保护在一定程度上使一些银行免于破产．



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