请教OG-130

请教OG-130
130. Bank depositors in US are all financially protected against bank failure because the government insures all individuals 's bank deposits . An economist argues that this insurance is partly responsible for the high rate of bank failure , since it removes from depositors any financial incentive to find out whether the bank that holds theri money is secure against failure . If depositros wre more selevive , then banks would need to be secure in order to compete for depositors's money.

assumtion.

D. The difference in the interests rates paid to depositors by different banks is not a significant factor in bank failures.

E. Potentail depositors are able to determine which banks are secure agaisnt failure.

想了半天，没想明白为什么E是假设？将其取非的话，也不能得出结论“银行破产因为政府保障”。倒是觉得D很有道理。

不胜感激 。

原題句意為 (1).政府保障所有銀行的存款導致銀行高違約率

                  (2).因為政府此一行為移除了存戶找尋安全銀行誘因(暗指所有銀行都有政府

                      安全保障就不去探查誰較安全)

                       其前提必定為存款人有能力分辨銀行的安全性,不然無分辨能力之下,存款戶

                       有無意願探查銀行安全都與錢的流向無關(因無法分辨只好隨機),

                       銀行的違約率也因此與政府行為無關,不會導致升高.

因此 E. Potentail depositors are able to determine which banks are secure agaisnt failure.  

        正確前提.

         D. 選項無關,錯誤.