[讨论]LSAT-4-4-6

waterpoo · 发表于 2004-10-4 19:16:00

The government provides insurance for individuals’ bank deposits, but requires the banks to pay the premiums for the insurance. Since it is depositors who primarily benefit from the security this insurance provides, the government should take steps to ensure that depositors who want this security bear the cost of it and thus should make

6. Which of the following is assumed by the argument?

(A) Banks are not insured by the government against default on the loans the banks make.

(B) Private insurance companies do not have the resources to provide banks or individual with deposit insurance.

(C) Banks do not always cover the cost of the deposit-insurance premiums by paying depositors lower interest rates on insured deposits than the banks would on uninsured deposits.

(D) The government limits the insurance protection it provides by insuring accounts up to a certain legally defined amount only.

(E) The government does not allow banks to offer some kinds of accounts in which deposits are not insured.

答案是C，我不明白这和银行是否能cover成本有什么关系。银行如果能cover成本，难道就不需要政府的存款保险了么？

请nn指教！

Bensontuo · 发表于 2019-8-5 19:48:57

waterpoo 发表于 2004-10-4 19:16
The government provides insurance for individuals’ bank deposits, but requires the banks to pay the ...

Spot the question type: Necessary Assumptions

Core of the argument:

Conclusion is: Government should take steps to have depositors paying for the premiums for the insurance, but not banks, because depositors is primarily benefit from the security insurance provides.

The argument is as follows:

1. bank deposits are insured
2. banks pay the premiums
3. depositors benefit most from the insurance
Therefore, the depositors should bear the cost of the premiums.

Although we know that the banks are paying the premiums, we don't know whether the banks pass that charge onto the customers. The author assumes that this is not happening, which is why (C) is correct.

See what I mean? The banks are the party required to actually pay the premium to the insurers, but they might charge the depositors somehow to make that money back from them.

This is what (C) says. Try negating it to see the effect it has on the conclusion. What if the banks always cover their costs by paying lower interest rates for insured accounts? Well, in that case, the depositors are in fact bearing the cost of the premiums, and the argument's conclusion falls apart.

[讨论]LSAT-4-4-6

[讨论]LSAT-4-4-6

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