[请教]OG黄皮CR91题目------不要太简单撒

玻璃青橙

很郁闷的一道题,不要说太简单哦!谢谢了!

91.      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.

(B) 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.

(C) 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.

shenweijing

请楼主具体说一下不明白在什么地方？

玻璃青橙

答案是A,可是不理解

skysunny2008

退休储蓄金增长了，如果借款的需求不增长的话，正好可以有足够的钱满足借款人；可是如果借款的人数增加，也就是需求怎增大，仍然不能满足。。。经济依旧发展不顺利。。因此a说两方面都长的话根本不会有什麽用。

skysunny2008

我觉得像这样的题目，把原因放在结尾的，说明原因很重要，重点强调，因此出题人的意图是这里肯定有问题。最后的原因说了是deposit的量和borrow的量的关系，因此在题目中找到有这两个量的关系的选项就是答案，a正好是这两个量的关系。

shenweijing

可以这样想：银行收上来钱（咱们给它的存款）以后，要把这些钱借给别人，这样它好收利息，盈利。借给谁呢，大体分为两部分：个人和公司。在存款一定的情况下，这两部分是此消彼长的关系。那么如果存款增加，可借出的钱的总额增加，但同时个人要贷款增加，则不能保证可贷款给公司的钱增加~可是参考一下货币银行学的内容~呵呵

玻璃青橙

哦,明白了,谢谢!

因为公司缺钱,所以银行促使(induce,这个单词很重要,意思想反了,所以转不过弯)个人存钱,因为存钱越多,银行就有钱借给公司了.

A选项说,个人存钱增加了,相应的个人借钱也增加了,所以当然质疑结论的说法

[此贴子已经被作者于2008-10-9 16:44:24编辑过]