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标题: 求助 OG12- CR88 [打印本页]

作者: bdsjb116 时间: 2010-9-1 13:00
标题: 求助 OG12- CR88
88. Businesses are suffering because of a lack of money available for development loans. To help businesses, the government plans to modify the income-tax structure in order to induce individual taxpayers to put a larger portion of their incomes into retirement savings accounts, because as more money is deposited in such accounts, more money becomesavailable to borrowers.
Which of the following, if true, raises the most serious doubt regarding the effectiveness of the government’s plan to increase the amount of money available for development loans for businesses?
(A) When levels of personal retirement savings increase, consumer borrowing always increases correspondingly.
(B) The increased tax revenue the government would receive as a result of business expansion would not offset the loss in revenue from personal income taxes during the first year of the plan.
(C) Even with tax incentives, some people will choose not to increase their levels of retirement savings.
(D) Bankers generally will not continue to lend money to businesses whose prospective earnings are insufficient to meet their loan repayment schedules.
(E) The modified tax structure would give all taxpayers, regardless of their incomes, the same tax savings for a given increase in their retirement savings.

答案是A 可D为什么不对呢?

作者: 花子落落 时间: 2010-9-1 13:59
这题就是说，政府要让这些存款与投资增加，所以让纳税人可以免税存钱或是投资。A 指出这不一定会让公司有更多钱来借，因为那些纳税人看到自己的积蓄多了，也就去借更多的钱。
在美国，你要去借钱，一定要有偿还的可能，不然银行不会贸贸然借钱给你。一般人是用房产来抵押，但也可以用退休金来做 collateral 的。所以退休金存款若高了，collateral 就更多，那就可以借多一点的钱。

作者: bdsjb116 时间: 2010-9-1 14:44
谢谢ls 仔细看看发现D是无关选项我想多了

作者: cuson 时间: 2011-3-30 21:04
A中cnsumer贷的钱多了，所以导致business没有钱贷了？我怎么觉得不可能啊

作者: phoenixrocks 时间: 2011-5-7 16:04
问一句题外话，B选项在说什么意思阿？我则么看不懂？
B) The increased tax revenue the government would receive as a result of business expansion would not offset the loss in revenue from personal income taxes during the first year of the plan.
中文啥意思啊？？？

作者: lovepunch 时间: 2011-5-7 17:27

问一句题外话，B选项在说什么意思阿？我则么看不懂？
B) The increased tax revenue the government would receive as a result of business expansion would not offset the loss in revenue from personal income taxes during the first year of the plan.
中文啥意思啊？？？

-- by 会员 phoenixrocks (2011/5/7 16:04:58)

个人愚见~B，在计划首年中，由于商业扩张导致的政府税收增加不能抵消个人所得税的流失。

作者: anyoneusethis 时间: 2011-7-20 16:26
C~为什么不可以呢？有些人不存retirement savings accounts，money available是不是就少了？

作者: gourmettsu 时间: 2011-7-22 19:41
我觉得A、C都能weaken啊！！

作者: herminliu 时间: 2011-7-22 21:45
原文谈的是：银行储蓄多了，银行就有钱借给business了，
结论：用tax incentive的方法来鼓励个人多储蓄,使得银行的储蓄增加可以借给business?简言之就是：钱增多，可以足够放贷

(A) When levels of personal retirement savings increase, consumer borrowing always increases correspondingly.==>储蓄是增加了，但是又被consumer借走了，总得来说最后储蓄没有增加，银行没有足够的钱借给business==>这个incentive没有达到效果，weaken了conclusion
(B) The increased tax revenue the government would receive as a result of business expansion would not offset the loss in revenue from personal income taxes during the first year of the plan.==> tax incentive只是题干中的一个手段，不是因果关系的因果因素。所以关于tax incentive的都是无关因素
(C) Even with tax incentives, some people will choose not to increase their levels of retirement savings.==>原文的premise是说tax incentive能够帮助savings增加，这个选项反驳这个premise是不可以的。凡是GMAT给出的premise都不能被驳斥，因为是这个argument存在的基础
(D) Bankers generally will not continue to lend money to businesses whose prospective earnings are insufficient to meet their loan repayment schedules.==>同理于C，和argument介绍的信息反了。Premise是默认会借钱的，选项说不借就是驳了premise了。即便是增加new information解释不借款的理由也是没有用的，这不是我们要考虑的东西，故信息无关
(E) The modified tax structure would give all taxpayers, regardless of their incomes, the same tax savings for a given increase in their retirement savings.==>还是主过tax incentive，但是钱到底多了没有呢，没有说清楚，故无关

作者: ndslyy 时间: 2011-9-23 15:59
(C) Even with tax incentives, some people will choose not to increase their levels of retirement savings.==>原文的premise是说tax incentive能够帮助savings增加，这个选项反驳这个premise是不可以的。凡是GMAT给出的premise都不能被驳斥，因为是这个argument存在的基础

这个有道理吗？？？？？？？？？？？？？？？？求解释！！！！！！！！！！！！！！！NN现身！！！！

作者: ndslyy 时间: 2011-9-23 15:59
up

作者: vivian2011 时间: 2011-9-29 20:50
真的不可以驳斥premise吗？那OG CR111怎么解释，C选项不是否认了飞机是free wheel system吗？困惑...
111. The difficulty with the proposed high-speed train line is that a used plane can be bought for one-third the price of
the train line, and the plane, which is just as fast, can fly anywhere. The train would be a fixed linear system, and
we live in a world that is spreading out in all directions and in which consumers choose the free-wheel systems
(cars, buses, aircraft), which do not have fixed routes. Thus a sufficient market for the train will not exist.
Which of the following, if true, most severely weakens the argument presented above?
(A)   Cars, buses, and planes require the efforts of drivers and pilots to guide them, whereas the train will be
guided mechanically.
(B)   Cars and buses are not nearly as fast as the high-speed train will be.
(C)

lanes are not a free-wheel system because they can fly only between airports, which are less convenient
for consumers than the high-speed train's stations would be.
(D) The high-speed train line cannot use currently underutilized train stations in large cities.
(E) For long trips, most people prefer to fly rather than to take ground-level transportation.

作者: Daisy_Chen 时间: 2011-9-29 21:03

(C) Even with tax incentives, some people will choose not to increase their levels of retirement savings.==>原文的premise是说tax incentive能够帮助savings增加，这个选项反驳这个premise是不可以的。凡是GMAT给出的premise都不能被驳斥，因为是这个argument存在的基础

这个有道理吗？？？？？？？？？？？？？？？？求解释！！！！！！！！！！！！！！！NN现身！！！！

-- by 会员 ndslyy (2011/9/23 15:59:33)

只要有10%的人愿意在养老金里多放钱，这个incentive就算有效

作者: 瓜瓜不瓜 时间: 2011-11-12 16:21
虽然这个问题已经胡萝卜了，但还是想说下我自己的见解呵，给后面的同学更多的参考
=======================================================
GMAT中没有说过premise不能被反驳哦亲
这道题中银行缺钱只是一个引子。
condition：通过税收刺激人们往养老账户里面存钱
conclusion：more money becomes available to borrowers

(A) When levels of personal retirement savings increase, consumer borrowing always increases correspondingly.====养老账户的存款增加不一定能导致“more money becomes available to borrowers”

(B) The increased tax revenue the government would receive as a result of business expansion would not offset the loss in revenue from personal income taxes during the first year of the plan.====文章中未提到revenue，无关选项。另外“during the first year of the plan”的出现也提醒这个选项错误，一个政策的好坏不能以第一年的效果来判断。

(C) Even with tax incentives, some people will choose not to increase their levels of retirement savings.====some people 是关键，一部分人不愿意增加养老金存款，但是other people will do，故政策依然有效，不能weaken

(D) Bankers generally will not continue to lend money to businesses whose prospective earnings are insufficient to meet their loan repayment schedules.====结论是有“more money becomes available to borrowers” 并不涉及银行家愿不愿意贷款给business。

(E) The modified tax structure would give all taxpayers, regardless of their incomes, the same tax savings for a given increase in their retirement savings.====很显然的无关选项

作者: johnwolf 时间: 2011-12-12 21:29
刚好做到这题说说看法，最纠结了莫过于C
想想就明白了，政府制定政策的时候如果考虑A或者C哪个会更影响这个政策的出台。明显政府不指望“所有的人”来因为一个政策而改变储蓄计划
但是如果说C只是能从数量上影响效果，那A就是彻底从原理上影响效果

不知道这样解释可以么

作者: cyang10 时间: 2011-12-12 22:56
我觉得还有一种解释C就是说some不能当作绝大多数吧，some不能影响进行tax后银行钱的多少，毕竟大多数会存钱的

作者: jay871750293 时间: 2012-2-24 16:34
看了之前的一些观点，深有启发，也来写写我的想法，

关于A&C，比较两者谁的影响更大，影响最大的，则是题目所说“raises the most serious doubt”
先来看C，some people choose not increase their levels of retirement savings，虽然有些人不愿意存钱，但总有人会存，那么存钱的数量肯定是会增加的（只不过没有预想的那么多而已）
再来看A，consumer's level of saving and borrowing will increase correspondingly，存钱数量在增加的同时也在减少，但是并没有说增加和减少的数量，那么完全有可能增加和减少的数量一样多或者是减少的数量大于增加的数量，存钱的数量可能不会变，甚至可能减少，所以A的影响比C更大，所以选A

希望能对曾经和我一样迷茫的CDer有帮助~~~

作者: 宇多田光 时间: 2012-2-25 20:48
在CR BIBLE里有提到，weaken的其中一种打击对象是premise,但通常GMAT不从这里出考点，是外国的GMAT考试专家在书中提到的，所以我们也可以认为反驳了premise，应该不是正确答案。

作者: sunny20111126 时间: 2012-3-2 22:20
C项，Some people 不足以影响the total amount deposited,og 说得很明白啊

作者: qiuhua01234567 时间: 2012-3-13 12:57
你们没看见C里面的some 么？这是典型错误，读题的时候一定要注意限定词。shell game

作者: wilincl9321 时间: 2012-9-28 00:20
我明白B选项是无关选项，可是我不明白他的实际（非字面上的)意思，有那位好心人帮忙解释一下？谢谢！
(B) The increased tax revenue the government would receive as a result of business expansion would not offset the loss in revenue from personal income taxes during the first year of the plan.====

作者: MissUindeed 时间: 2013-6-27 15:52
答案需要对症下药，不然即使言之有物也是无关选项。

作者: ringo5 时间: 2013-10-24 18:08

jay871750293 发表于 2012-2-24 16:34
看了之前的一些观点，深有启发，也来写写我的想法，关于A&C，比较两者谁的影响更大，影响最大的，则是题目 ...

可是A选项也存在说一方面增加一方面减少，而减少的没有增加的多，所以总量仍然增加的可能性啊。为什么不提到这个呢~~

也就是说A选项其实存在三种可能，
1.增加>减少，总量增加，support
2.增加=减少，总量不变，weaken
3.增加<减少，总量减少，weaken

个人觉得A选项并不怎么好，因为几种可能性的存在并不能确定到底是怎样。
但其他选项错误比较明显。

作者: qzawxs9876 时间: 2013-10-30 03:35
谁能告诉我OG 对D选项的解释是什么意思？
D The plan would increase the money available specifically for development loans ,not existing loans.

作者: cdbgin009 时间: 2013-11-4 13:58

gourmettsu 发表于 2011-7-22 19:41
我觉得A、C都能weaken啊！！

C只能说不借loans，而不能说没有loans。无关

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