ChaseDream

标题: 提问关于 OG-12 88题 [打印本页]

作者: hscryzer 时间: 2012-7-19 03:00
标题: 提问关于 OG-12 88题
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 becomes available 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.
(8) 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.
(e) 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.

wut abt E?

If the taxes that people save after increasing their retirement savings does not differ from what it would have been had they not increased their retirement saving, then people would not have incentive to save.

why A? Consumer borrowing increase it would activates banks or other firms' loan business and it won't be as risky as commercial loan...

作者: ivytc 时间: 2012-8-11 16:02
我没看懂LZ关于E写的那段reasoning.
E是支持原文结论,不是削弱。
我觉得比较有迷惑性的是C那个some people。

作者: abjure 时间: 2012-9-5 17:23
求证理解：

个人以为E 选项只是强调了tax structure 只是强调:针对达到特定的退休金存款，修改后的tax structure 提供”相同税收减免“。

可不可以这么理解，因为这个tax structure 最终老百姓买不买账没人知道。所以OG OA E 就说:选项”相同税收减免“ does not affect the effectiveness of the plan?

作者: lukrenee 时间: 2012-9-7 14:02
逻辑题的要义是不要把自己的知识背景代入，只看题目的逻辑关系。
选项E，如果如楼主所说税收调整并不足以使（所有）人增加储蓄，但是对部分人这种税收刺激也是起作用的，因为也可以增加整体的储蓄以提升对商业部门放贷的能力，因此不能否定这个计划会成功。
选项A，因为个人增加储蓄后，个人会增加贷款，挤占银行的贷款额度，则能够放给商业部门的贷款未见得会增加。所以选A。

作者: abjure 时间: 2012-9-7 20:02

逻辑题的要义是不要把自己的知识背景代入，只看题目的逻辑关系。
选项E，如果如楼主所说税收调整并不足以使（所有）人增加储蓄，但是对部分人这种税收刺激也是起作用的，因为也可以增加整体的储蓄以提升对商业部门放贷的能力，因此不能否定这个计划会成功。
选项A，因为个人增加储蓄后，个人会增加贷款，挤占银行的贷款额度，则能够放给商业部门的贷款未见得会增加。所以选A。

-- by 会员 lukrenee (2012/9/7 14:02:42)

咦，斑斑，我读了你的对E的解释，有点搞不懂了。
你想说E选项是属于“不是最strongly weaken”，还是属于“无关”啊？
我个人理解觉得就是E选项信息不足以得出对结论产生weaken/support关系。对吗？

作者: abjure 时间: 2012-9-8 19:21
顶一顶，求指导

作者: abjure 时间: 2012-9-9 14:29
求指导求拍砖

作者: lukrenee 时间: 2012-9-9 20:02
题目是要求选raises the most serious doubt的选项，E项中不需要所有人都增加储蓄，只需部分人增加储蓄，则总体的可用于放贷的储蓄额度可增加，不会损害该计划的有效性。
你想要开源，所以计划某个项目进行增收活动，不管它是增收十块，还是一百块，都是增收。
而选项A，即使有开源，但是在节流方面，因为个人贷款增多，则可以用于企业放贷的部分减少，在开源和节流孰大孰小无法判断，因此计划有效性存疑问。

作者: yakev6 时间: 2012-9-9 20:25
target is to increase the money to help business, no matter how the structure of the tax is, it can, if only the rate increase, increase the TOTAL money, So E cannot weaken.

For A, stimulus say increase tax to help business, Even if the raised tax rate can enhance the level of TOTAL money, it does not automaticly means that the money is used for business, what if the customer credit also increase? If so, to some extreme extent, the of the money to help business may not increase or even drop. So A is a good weaken point.

作者: abjure 时间: 2012-9-14 11:05

题目是要求选raises the most serious doubt的选项，E项中不需要所有人都增加储蓄，只需部分人增加储蓄，则总体的可用于放贷的储蓄额度可增加，不会损害该计划的有效性。
你想要开源，所以计划某个项目进行增收活动，不管它是增收十块，还是一百块，都是增收。
而选项A，即使有开源，但是在节流方面，因为个人贷款增多，则可以用于企业放贷的部分减少，在开源和节流孰大孰小无法判断，因此计划有效性存疑问。

-- by 会员 lukrenee (2012/9/9 20:02:35)

谢谢斑斑。你说的对，

发现阅读对CR的影响太大了。
再读E一遍，
E The modified tax structure would give all taxpayers, regardless of theri incomes, the same tax saving for a given increase in their retirement savings.
E只是说税改结构将使得不管纳税人的收入是多少，对于特定的退休金存款的增加，所有纳税人的免税额是相同的，

的确，E和 bussiness loan effective没有关系。 E只是说了modifed tax structure 的feature，都没有提及modifed tax structure 's effective, 所以也谈不上和 bussiness load effective 有什么关系了。

谢谢

作者: abjure 时间: 2012-9-14 11:05

target is to increase the money to help business, no matter how the structure of the tax is, it can, if only the rate increase, increase the TOTAL money, So E cannot weaken.

For A, stimulus say increase tax to help business, Even if the raised tax rate can enhance the level of TOTAL money, it does not automaticly means that the money is used for business, what if the customer credit also increase? If so, to some extreme extent, the of the money to help business may not increase or even drop. So A is a good weaken point.

-- by 会员 yakev6 (2012/9/9 20:25:21)

thx yakev6, you are right

作者: zzloveyibo 时间: 2014-7-27 20:23
我觉得E这样翻译可能更好理解：无论纳税人的收入如何，对于特定的退休储蓄的增加，修改后的税收结构对所有纳税人都给予相同的税收减免。

作者: 415lethe 时间: 2016-3-23 00:53
不知道这个帖子还有大神在吗。。
我想问的是为什么A不是增强呢
A When levels of personal retirement savings increase, consumer borrowing always increases correspondingly.
当储蓄金增加的时候，借款也会增加，不是达到了政府的目的嘛？
还是说consumer borrowing和business borrowing是不同的？

作者: elusive 时间: 2016-3-26 07:46
方案推理
目标：To help businesses （获得贷款）
方案： modify the income-tax structure in order to induce individual taxpayers to put a larger
portion of their incomes into retirement savings accounts （获得存款）

也就是说为了帮助小企业获得贷款，政府决定修改个人税的结构，促进纳税人多往养老保险账户里面存款，然后用这部分存款帮助小企业。

正确答案要说方案和目标
A：修改个人征税结构后纳税人更倾向贷款而不是存款。------方案的可行性被削弱了----木有钱怎么帮助小企业？？？？？
B：无关，在讨论修改征税结构
C：某些人存款增加-------方案可行性增强，好事，政府修改纳税结构的目的，是增强。
D：无关，是政府在操作贷款程序，不是银行
E：养老保险账户存款增加-----好事，政府的目的。是增强方案可行性。

欢迎光临 ChaseDream (https://forum.chasedream.com/)