PREP1-Q66~求助NN们~

evelyn205205 · 发表于 2011-7-25 11:36:33

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~

evelyn205205 · 发表于 2011-7-25 13:17:28

求助~

evelyn205205 · 发表于 2011-7-25 17:36:10

求助求助啊~

evelyn205205 · 发表于 2011-7-25 20:11:46

顶顶顶~

evelyn205205 · 发表于 2011-7-25 20:42:08

is there anyone who can help me？

sanlingjie · 发表于 2011-7-25 20:56:39

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.

evelyn205205 · 发表于 2011-7-25 21:10:05

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.

-- by 会员 sanlingjie (2011/7/25 20:56:39)

谢谢你的详尽解释，但是关键是这道题我压根就没看懂，讲的什么，看了选项，我更是一团迷雾。

evelyn205205 · 发表于 2011-7-25 22:26:24

迷惑中~

evelyn205205 · 发表于 2011-7-26 09:58:00

迷惑中，想知道这道题讲的是什么？没看懂题目啊~

helenlife · 发表于 2011-7-26 10:15:13

存款人的银行存款都是由政府保险保护，所以不用担心银行倒闭。经济学家认为该保险要对银行的高倒闭率付部分的责任。原因在于，由于该保险的存在，存款人就没有对银行的安全性做太多的关注。如果存款人能对银行货比三家，银行就会加强其安全性来吸引存款人。

本贴相关题目 OG-2015V-CR-44 | GMATPrep-2007E1-CR-66 (WNDF)

相关帖子

更多相关帖子

PREP1-Q66~求助NN们~

所属分类: GMAT考试

正在浏览此版块的会员 ()