PREP1-Q66~求助NN们~

evelyn205205

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.

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.


答案：E。没有理解这道题目。
还请NN们指教~

evelyn205205

求助~

evelyn205205

求助求助啊~

evelyn205205

顶顶顶~

evelyn205205

is there anyone who can help me？

sanlingjie

Premise:it removes from depositors any financial incentive to find out whether the bank that holds their money is secure against failure，　Conclusion: this insurance is partly responsible for the high rate of bank failures.
Let's see Anwser E. This CR is a Necessary Assumption Question. So we can adopt the negation method. When we negate E, i..e Potential depositors are not able to determine which banks are secure against failure.Then, any incentive for the purpose of  making the depositors find out whether the bank that holds their money is secure against failure will not hit its purpose, just because the potential depositors have no ability to determine which banks are secure against failure, therefore, the high rate of bank failures willl not caused by no incentives (i.e. the insurance), absolutely, the conclusion falls apart. So E is the correct answer.

evelyn205205

Premise:it removes from depositors any financial incentive to find out whether the bank that holds their money is secure against failure，　Conclusion: this insurance is partly responsible for the high rate of bank failures.
Let's see Anwser E. This CR is a Necessary Assumption Question. So we can adopt the negation method. When we negate E, i..e Potential depositors are not able to determine which banks are secure against failure.Then, any incentive for the purpose of  making the depositors find out whether the bank that holds their money is secure against failure will not hit its purpose, just because the potential depositors have no ability to determine which banks are secure against failure, therefore, the high rate of bank failures willl not caused by no incentives (i.e. the insurance), absolutely, the conclusion falls apart. So E is the correct answer.

-- by 会员 sanlingjie (2011/7/25 20:56:39)

谢谢你的详尽解释，但是关键是这道题我压根就没看懂，讲的什么，看了选项，我更是一团迷雾。

evelyn205205

迷惑中~

evelyn205205

迷惑中，想知道这道题讲的是什么？没看懂题目啊~

helenlife

存款人的银行存款都是由政府保险保护，所以不用担心银行倒闭 。经济学家认为该保险要对银行的高倒闭率付部分的责任。原因在于，由于该保险的存在，存款人就没有对银行的安全性做太多的关注。如果存款人能对银行货比三家，银行就会加强其安全性来吸引存款人。