提问 关于 OG-12 88题

hscryzer

Businesses are suffering because of a lack of money available for development loans. To help businesses, the
government plans to modify the income-tax structure in order to induce individual taxpayers to put a larger
portion of their incomes into retirement savings accounts, because as more money is deposited in such
accounts, more money becomes available to borrowers.
Which of the following, if true, raises the most serious doubt regarding the effectiveness of the government's
plan to increase the amount of money available for development loans for businesses?
(A) When levels of personal retirement savings increase, consumer borrowing always increases
correspondingly.
(8) The increased tax revenue the government would receive as a result of business expansion would not
offset the loss in revenue from personal income taxes during the first year of the plan.
(e) Even with tax incentives, some people will choose not to increase their levels of retirement savings.
(D) Bankers generally will not continue to lend money to businesses whose prospective earnings are
insufficient to meet their loan repayment schedules.
(E) The modified tax structure would give all taxpayers, regardless of their incomes, the same tax savings for
a given increase in their retirement savings.

wut abt E?

If the taxes that people save after increasing their retirement savings does not differ from what it would have been had they not increased their retirement saving, then people would not have incentive to save.

why A? Consumer borrowing increase it would activates banks or other firms' loan business and it won't be as risky as commercial loan...

415lethe

不知道这个帖子还有大神在吗。。
我想问的是为什么A不是增强呢
A When levels of personal retirement savings increase, consumer borrowing always increases correspondingly.
当储蓄金增加的时候，借款也会增加，不是达到了政府的目的嘛？
还是说consumer borrowing和business borrowing是不同的？

zzloveyibo

我觉得E这样翻译可能更好理解：无论纳税人的收入如何，对于特定的退休储蓄的增加，修改后的税收结构对所有纳税人都给予相同的税收减免。

abjure

target is to increase the money to help business, no matter how the structure of the tax is, it can, if only the rate increase, increase the TOTAL money, So E cannot weaken.

For A, stimulus say increase tax to help business, Even if the raised tax rate can enhance the level of TOTAL money, it does not automaticly means that the money is used for business, what if the customer credit also increase? If so, to some extreme extent, the of the money to help business may not increase or even drop. So A is a good weaken point.

-- by 会员 yakev6 (2012/9/9 20:25:21)

thx yakev6,  you are right

abjure

题目是要求选raises the most serious doubt的选项，E项中不需要所有人都增加储蓄，只需部分人增加储蓄，则总体的可用于放贷的储蓄额度可增加，不会损害该计划的有效性。
你想要开源，所以计划某个项目进行增收活动，不管它是增收十块，还是一百块，都是增收。
而选项A，即使有开源，但是在节流方面，因为个人贷款增多，则可以用于企业放贷的部分减少，在开源和节流孰大孰小无法判断，因此计划有效性存疑问。

-- by 会员 lukrenee (2012/9/9 20:02:35)

谢谢斑斑。你说的对，

发现阅读对CR的影响太大了。
再读E一遍，
E The modified tax structure would give all taxpayers, regardless of theri incomes, the same tax saving for a given increase in their retirement savings.
E只是说税改结构将使得不管纳税人的收入是多少， 对于特定的退休金存款的增加， 所有纳税人的免税额是相同的，

的确，E和 bussiness loan effective没有关系。 E只是说了modifed tax structure 的feature，都没有提及modifed tax structure 's effective, 所以也谈不上和 bussiness load effective 有什么关系了。

谢谢

yakev6

target is to increase the money to help business, no matter how the structure of the tax is, it can, if only the rate increase, increase the TOTAL money, So E cannot weaken.

For A, stimulus say increase tax to help business, Even if the raised tax rate can enhance the level of TOTAL money, it does not automaticly means that the money is used for business, what if the customer credit also increase? If so, to some extreme extent, the of the money to help business may not increase or even drop. So A is a good weaken point.

lukrenee

题目是要求选raises the most serious doubt的选项，E项中不需要所有人都增加储蓄，只需部分人增加储蓄，则总体的可用于放贷的储蓄额度可增加，不会损害该计划的有效性。
你想要开源，所以计划某个项目进行增收活动，不管它是增收十块，还是一百块，都是增收。
而选项A，即使有开源，但是在节流方面，因为个人贷款增多，则可以用于企业放贷的部分减少，在开源和节流孰大孰小无法判断，因此计划有效性存疑问。

abjure

求指导求拍砖

abjure

顶一顶，求指导