标题: PREP1-Q66~求助NN们~ [打印本页] 作者: evelyn205205 时间: 2011-7-25 11:36 标题: PREP1-Q66~求助NN们~ 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.
答案：E。没有理解这道题目。 还请NN们指教~作者: evelyn205205 时间: 2011-7-25 13:17
求助~作者: evelyn205205 时间: 2011-7-25 17:36
求助求助啊~作者: evelyn205205 时间: 2011-7-25 20:11
顶顶顶~作者: evelyn205205 时间: 2011-7-25 20:42
is there anyone who can help me？作者: sanlingjie 时间: 2011-7-25 20:56
Premise:it removes from depositors any financial incentive to find out whether the bank that holds their money is secure against failure， Conclusion: this insurance is partly responsible for the high rate of bank failures. Let's see Anwser E. This CR is a Necessary Assumption Question. So we can adopt the negation method. When we negate E, i..e Potential depositors are not able to determine which banks are secure against failure.Then, any incentive for the purpose of making the depositors find out whether the bank that holds their money is secure against failure will not hit its purpose, just because the potential depositors have no ability to determine which banks are secure against failure, therefore, the high rate of bank failures willl not caused by no incentives (i.e. the insurance), absolutely, the conclusion falls apart. So E is the correct answer. 作者: evelyn205205 时间: 2011-7-25 21:10
Premise:it removes from depositors any financial incentive to find out whether the bank that holds their money is secure against failure， Conclusion: this insurance is partly responsible for the high rate of bank failures. Let's see Anwser E. This CR is a Necessary Assumption Question. So we can adopt the negation method. When we negate E, i..e Potential depositors are not able to determine which banks are secure against failure.Then, any incentive for the purpose of making the depositors find out whether the bank that holds their money is secure against failure will not hit its purpose, just because the potential depositors have no ability to determine which banks are secure against failure, therefore, the high rate of bank failures willl not caused by no incentives (i.e. the insurance), absolutely, the conclusion falls apart. So E is the correct answer.