大全-18-9

如果a选项是对的。如果California banks charge depositors（存款人） more than banks elsewhere do for many of the services they offer，那么the comparatively high wages they must pay to attract qualified workers已经由于charge存款人而得到了补偿。既然这样，a选项怎么waken 了This shortage of competition among banks explains why interest rates on personal loans in California are higher than in any other region of the United States这样一个结论呢？谢谢

8.     Consumers in California seeking personal loans have fewer banks to turn to than do consumers elsewhere in the United States. This shortage of competition 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 true, most substantially 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 riskier 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 United States, they are no less secure than deposits elsewhere.

(D) The proportion of consumers who default on their personal loans is lower in California than in any other region of the United States.（A）

(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.

Because the labor cost is comparatively higher in CA than that in the other states, the banks in CA charge more from the DEPOSITORS. But we must bear it in mind that the group of the Consumers in LACE>CaliforniaLACE> seeking personal loans ARE NOT necessarily identical to the group of those DEPOSITORS. Since the comparatively high labor cast has already been compensated by charging more from the DEPOSITS, if Banks in CA charge high interest rates on the personal loans from their CUSTOMERS who are seeking money borrowers, then the labor cost of the banks will be compensated twice.
The reason for the banks in CA to charge more from DEPOSITORS can not necessarily be contributed to the high interests on personal loans. Because, again, money borrowers, in this case customers, are different from depositors.

If A says "Because of the comparatively high wages they must pay to attract qualified workers, LACE>CaliforniaLACE> banks charge customers who are seeking personal loans  more than banks elsewhere do for many of the services they offer.", then choice A will help weaken the conclusion.

Please comment. Thx.

佩服wonderland认真的精神, 值得学习!!!

(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.

To weaken the conclusion, we must provide other reasons to explain.  A-because of the comparatively high wages they must pay to attract qualified workers- has worked in this way.   (California banks charge depositors more than banks elsewhere do for many of the services they offer) just repeat the conclusion. whether depositors is that customers should have no nothing with the effect of the other explanation.

佩服wonderland认真精神!!!

I think that to weaken the conclusion, we must weaken the reason.  A(Because of the comparatively high wages they must pay to attract qualified workers) could work in this way.  The last half sentence of A just repeat the conclusion.  The discussion of whether the depositor is customer is out of the scope we are asked to slove.

A中，California banks charge depositors（存款人） more than banks elsewhere do for many of the services they offer. many of the sevices中包括了personal loan。这句也就等于，California banks charge depositors more than banks elsewhere do for personal loans。

至于depositor和money borrowers是不是同一团体，字面上看不是。但不知道美国人是不是有这样的common sense：只有depesitor才可以向银行借钱。如果是的话，这题就说得通了。