问一道逻辑题

Consumers in California seeking personal loans have fewer banks to turn to than do consumers elsewhere in the united states.this shortage of competiton among banks explains why interest rates on personal loans in California are higher than in any other region of the United States.

Which of the following,if ture,most substancially weakens the conclusion above?

a.because of the comparatively high wages they must pay to attract qualified workers,California banks charge depositors more than banks elsewhere do for many of the services they offer

b.personal loans are risker than other types of loans,such as home mortgage loans,that banks make

c.since bank deposits in California are covered by the same type of insurance that guarantees bank deposits in other parts of the Units states,they are no less secure than deposits elsewhere

d.the proportion of consumers who default on their loans is lower in California than in any other region of the united states

e.interest rates paid by California banks to depositors are lower than those paid by banks in other parts of the united states because in california there is less competition to attract depositors

答案为A

有两个疑惑:A的后半部分说是为个人储蓄用户提供服务收取的费用高于其他地方银行 但文中说的是个人贷款利率高于其他地方银行 我看到储蓄服务觉得与文中信息无关 就把A 排除了

如果把D选项改为个人贷款需求在加州本来就比在其他州少,能否削弱原文推理呢?

reason--->conclusion

reason:have fewer banks to turn to = fewer banks

conclusion: interest rates on personal loans in California are higher = higher interest rates

fewer banks--->higher interest rates

Choice A gives another reason to drawn the conclusion.

high wages ---> need high interests rates to afford the wages 

我做的时候也怀疑出题有问题：存款者和贷款者怎么搞到一起？后来想可能是两国文化经济背景上的差异造成的一些不解：文中所谓的“贷款”可能是指“消费信贷”，需要消费者（CONSUMER）在银行开立活期帐户（DEPOSIT）来支付的。“存款”这个词汇在我国比较笼统，分为活期和定期，而且都有利息收入。但在美国—从经济学课程中学到的—DEPOSIT专指用来支付的一个帐户，凭此开支票，没有利息，要消费者自己贴钱来维持（类似信用卡，银行先替你把帐结了，月底还钱给它，相当于贷款。）；而有利息收入的存款叫做“SAVING”，两个词不能混用。

自己琢磨的，欢迎批评！