[求助]prep1-38

crystalgan

38.   (32404-!-item-!-188;#058&006157)

 

Which of the following most logically completes the argument below?

 

When interest rates are high, insurance companies reduce the premiums they charge for many kinds of insurance policies.  The reason is that insurance companies want to take in as much money as possible in premiums so that they can invest the money at high rates of interest.  And premium reductions help achieve this objective, since __________.

 

(A) interest rates are likely to decrease when large amounts of money are available for loans

(B) smaller insurance companies are not able to amass enough money to take advantage of investing at high interest rates

(C) insurance companies can sell many more insurance policies if they charge lower premiums than they would if they left premiums unchanged

(D) an increase in the number of policies sold eventually leads to an increase in the number of claims that an insurance company has to pay

(E) the number of claims that insurance companies pay increases at a higher rate than does the number of policies that the insurance companies can sell at the lower premiums

 

答案为C

做对了，但是思路不清楚。

请讲讲思路吧，谢谢！！！

SilentKitty

题目的意思是： 因为有高的利率，所以保险公司想降低保单费用，薄利多收，再用收来的钱以高利率投资，赚取更多的钱。

这题我开始选的E，但现在明白为什么错了： Profit=Sale price- Cost 在保险公司claims越多，cost也就越多，E恰恰说正常售价的保单索赔率比降价后保单的索赔率高很多，也就是说降价可以导致cost减低，S和C都降低的情况下P不见得能增加，所以E不能很好的解释

但是C我就不明白为什么了，卖的更多就代表赚的更多吗？虽然降低了价格，但是由于增加销售额带来的利润能跟降价的机会成本相互抵消吗？ 不一定吧.... 所以...我觉得C也不对

等NN指教了！

lemony55

我的理解是C固然对：降低费用，吸引更多人来买。LS想多了，把机会成本的概念引入，但提干中是没提过的。

E 削弱

weideng

解释题,C很好的解释了为什么PREMIUM降了反而使保险公司有更多的MONEY去投资.

Jenny916

同意lemony55

SilentKitty想多了。

E是削弱

lulu_odin

小伊YSY

哎，其实我多少还是会觉得C会有漏洞，毕竟就算是薄利多销，也不能保证最后筹集到的资金一定比原来那种厚利少销来得多。