紫皮og11-46

Bank depositors in the United Staes 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 failure. If depositors were more selective, then banks would need to be secure in order to compete for depositors' money.

46. Which of the following, if ture, 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 tha a significant proportion of depositors are aware that their deposits are insured by the governemt.

(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. 

Situation:   An economist contends that the high rate of bank failures can partly be blamed on federal insurance of bank deposits. The insurance removes any financial incentive for depositors to seek those banks that are the most secure against failure. In the absence of more selective depositors, the banks need not be secure to compete for deposits.(我总觉得这句话不对吧，好像和原文意思相反啊。）

答案选：B