OG-131的解释

华籍美人

Questions 130-131 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.

131.

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 thislimit.

(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.

131.

The argument that deposit insurance, because of its impact on depositors’ choices of banks, is partially responsible for the high rate of bank failures would be weakened if deposit insurance also prevented certain bank failures. Choice B suggests that deposit insurance does prevent certain bank failures, and is thus the best answer.

Choice A weakly supports the view that insuring deposits contributes to bank failures. Choice C supports the economist’s position that depositors take the safety of deposits into account. Choice D supports the argument’s relevance by indicating that virtually all depositors can afford to be nonselective. It follows that none of these three choices is correct. Choice E is incorrect because it fails to establish any connection between deposit insurance and the factors controlling bank failures.

我虽然选的是B，但是

看了OG对D的解释说，我怎么想不通呢，我觉得D在某种程度上也是对原文的weaken啊，因为一般人们的存款都不会超过政府insure的最高限，那么政府t对大部分银行都会实行insurance，这样人们就不需要考虑安全问题了啊，就不会去挑选其他银行，这样银行也不会要为安全问题而导致失败，这不是weaken了原文的说法么？

我可能说的都不清楚，谁对这题理解的很透，麻烦能说一说啊！

springrain

我觉得你前面说的对,但是经济学家认为正是人们不会去挑选银行, 才导致了银行的失败.If depositors were more selective, then banks would need to be secure in order to compete for depositors' money.所以D是对经济学家的支持.人们不需要考虑安全问题，不去挑选其他银行.

而不是象你说的 "不会去挑选其他银行，这样银行也不会要为安全问题而导致失败，是weaken了原文".

不知你怎么看?

mindfree

I think the explanation is quite clear: nearly every deposit is affected by the insurance. The problem states that the failure comes from depositor's indifference in their selection of banks because of the security provided by the insurance. If D is incorrect, and most depositors are not affected by the insurance, the argument will be weakened as the premises do not hold. D proves that the premises hold.  

B can only be a "weaken" answer as it deos not refute anything. Personally I do not like this problem.  

华籍美人

那么since it removes from depositors any financial incentive to find out whether the bank that holds their money is secure against failure 这句话的意思是说：对银行的保护使存款者不再去关心他们存钱的银行是否足够安全。（其实就是不挑剔了）

对么？这句话这么解释？关键是我这题都没看懂！阅读好差啊，好急啊！

springrain, 非常谢谢你的解释，我想你是对的，和mindfree所说的一致

不过，感谢传说中的mindfree，什么时候我要能做到mindfree就好了，不让任何事影响我，我现在正在努力！

思谦

我觉得OG讲得很清楚，保险对于存款者选择银行的影响是银行高failures的部分原因。如果保险也能阻止failures，就会削弱原来的结论：题中说是有保险了，人们变得不selective，敢甚至不假思索的存钱，所以银行  partly responsible for the high rate of bank failures，假如人们selective,银行之间就会为了争存款而使自己变得比较安全。Choice B中正是说明了当没有保险时，很多银行的failure是因为人们恐惧银行losing money,即不敢存钱。B的意思也就是说有了保险，银行使这种因人们恐惧的failure减少了，所以削弱了结论。不知这样理解对不对，请nn们指正。

思谦

自己顶一下

ethyl

B的意思也就是说有了保险，银行使这种因人们恐惧的failure减少了，所以削弱了结论。

对。就是这样理解的。

swlfx

以下是引用mindfree在2005-4-1 5:15:00的发言：

I think the explanation is quite clear: nearly every deposit is affected by the insurance. The problem states that the failure comes from depositor's indifference in their selection of banks because of the security provided by the insurance. If D is incorrect, and most depositors are not affected by the insurance, the argument will be weakened as the premises do not hold. D proves that the premises hold.  

B can only be a "weaken" answer as it deos not refute anything. Personally I do not like this problem.  

好难得见到MINDFREE牛牛，多谢。

esprit

还是不理解B，好心人能不能讲的通俗一点~~~~