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标题: 7-4-6 没有搜索到讨论~ [打印本页]

作者: zxzhyzcy 时间: 2007-5-11 16:17
标题: 7-4-6 没有搜索到讨论~

The government provides insurance for individuals’ bank deposits, but requires the banks to pay the premiums for the insurance. Since it is depositors who primarily benefit from the security this insurance provides, the government should take steps to ensure that depositors who want this security bear the cost of it and thus should make depositors pay the premiums for insuring their own accounts.

6. Which of the following is assumed by the argument?

(A) Banks are not insured by the government against default on the loans the banks make.

(B) Private insurance companies do not have the resources to provide banks or individual with deposit insurance.

(C) Banks do not always cover the cost of the deposit-insurance premiums by paying depositors lower interest rates on insured deposits than the banks would on uninsured deposits.

(D) The government limits the insurance protection it provides by insuring accounts up to a certain legally defined amount only.（C）

(E) The government does not allow banks to offer some kinds of accounts in which deposits are not insured.

为什么C呢？

文章说获利的人应该负担成本，所以存款者应该要负担成本，这样的话，assumption不是应该说明存款者确实获利，或者银行不获利吗？我觉得A才对呀~

请指教~~

作者: ssssss 时间: 2007-5-12 07:06

The government provides insurance for individuals’ bank deposits, but requires the banks to pay the premiums for the insurance. Since it is depositors who primarily benefit from

the security this insurance provides, the government should take steps to ensure that

depositors who want this security bear the cost of it and thus should make depositors pay the premiums for insuring their own accounts.

This is an assumption type of question. The technique is negation.

Conclusion of this argument is: depositors should pay the premiums for insuring their own accounts.

Which of the following is assumed by the argument?

(A) Banks are not insured by the government against default on the loans the banks make.

Negate: Banks are insured by the government against default on the loans the banks make.

This had nothing to do with our conclusion. It’s out of scope.

depositors lower interest rates on insured deposits than the banks would on uninsured deposits.

Negate: Banks always cover the cost of the deposit-insurance premiums by paying

depositors lower interest rates on insured deposits than the banks would on uninsured deposits.

This weaken the conclusion that depositors should pay the premiums for insuring their own accounts because bank pay lower interest to depositor.

Not + weaken, this is the assumption of this argument.

作者: zxzhyzcy 时间: 2007-5-13 17:51

首先谢谢ssssss~

不过能不能请求帮忙翻译一下C那？还是不怎么明白 ~

作者: icewarm 时间: 2007-5-14 05:00
Banks can cover the premimum of deposit insurance for customers who choose to do so. Where does the money come from? Part of customers' interest!

Say the premimum is $50. Your total interest out of your deposit would be $100.

If you choose not to have the bank pay for the premimum of deposit insurance, the bank will offer you a higher interest rate for your deposit. You eventually end up with $100 of interest.

If you choose to have the bank pay for the premimum of deposit insurance ($50), the bank will offer you a lower insterest rate so that you end up with $50 of interest.

Bankers are not dummies. They don't like to lose money.

作者: skyzhang 时间: 2007-5-14 16:22

文章说获利的人应该负担成本，所以存款者应该要负担成本，这样的话，assumption不是应该说明存款者确实获利，或者银行不获利吗？我觉得A才对呀~

文章说：获利的人应该承担成本100元，所以存款者应该承担成本100元。但是如果银行已经通过别的方式（比如少付给你100元利息或者抢劫你100元），让你变相的掏了100元给他，那么，政府的保险费用为什么还要我负担呢？我已经通过变相的方式付给银行了，银行就应该帮我掏钱给政府。

为了让原文的情况成立，所以我们必须要排除这种情况（就是排除银行少付100元利息或者抢劫你的可能。）

C：Banks do not always cover the cost of the deposit-insurance premiums by paying depositors lower interest rates on insured deposits than the banks would on uninsured deposits.

银行不会通过 “给那些享受保险的用户” 支付较少的利息来cover 这一部分的cost。

[此贴子已经被作者于2007-5-14 16:23:07编辑过]

作者: zxzhyzcy 时间: 2007-5-15 18:48

这个比喻打得太好了！！谢谢skyzhang~

作者: ssssss 时间: 2007-5-16 02:46
done

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