og 紫 45 46

Questions 45-46 are based on the following.

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.

45. 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.

这一题答案选E，为什么呢？

我认为E选项，Potential depositors are able to determine which banks are secure against failure.这与题目中An economist argues 已经很明确地说了insurance removes from depositors any financial incentive to find out whether the bank that holds their money is secure against failure（政府的这种保险已经让存款人失去了去寻找哪家银行是安全的动力）

为什么不选D呢？economist 既然认为银行的失败部分是由于政府的保障造成的，隐含的假设不就是银行的失败不是由于银行的利率差造成的吗。

46. Which of the following, if true, most seriously weakens the economist’s argument?

(A) Before the government started to insure depositors against bank failure, there was a lower rate of bank failure than there is now.

(B) When the government did not insure deposits, frequent bank failures occurred as a result of depositors’ fears of losing money in bank failures.

(C) Surveys show that a significant proportion of depositors are aware that their deposits are insured by the government.

(D) There is an upper limit on the amount of an individual’s deposit that the government will insure, but very few individuals’ deposits exceed this limit.

(E) The security of a bank against failure depends on the percentage of its assets that are loaned out and also on how much risk its loans involve.

这题答案选B，我认为B说政府保障前，银行的失败是由于存款人的担忧造成的，不正好加强了题目中说的银行的失败是由于有了政府保障后，政府保障造成的吗？

为什么不选E呢？

顺便问一下，为什么在CD上发帖，我的浏览器老是死机呢？恨的我呀，每次打字好辛苦的呢！！！！！