OG130题问得是经济学家这一观点的假设,而不是银行倒闭的可能性等。 An economist argues that this insurance is partly responsible for the high rate of bank failure , since it removes from depositors any financial incentive to find out whether the bank that holds theri money is secure against failure . If depositros were more selevive , then banks would need to be secure in order to compete for depositors's money. 经济学家认为:这种保险实际上在应该为银行高破产率负责,因为它消除了存款者去调查银行是否安全的动力。如果存款者更selevive一点,银行会努力保证安全以吸引存款。 (A) Bank failures are caused when big borrowers default on loan repayments. 银行倒闭原因-无关;(B) A significant proportion of depositors maintain accounts at several different banks. 存款人有多个银行的账户-无关。 (B) A significant proportion of depositors maintain accounts at several different banks. 存款人有多个银行的账户-无关。 (C) The more a depositor has to deposit, the more careful he or she tends to be in selecting a bank. -存款越多,越小心的去选择银行,-似乎有关。 (D) The difference in the interest rates paid to depositors by different banks is not a significant factor in bank failures.-银行利息的差别,无关。 (E) Potential depositors are able to determine which banks are secure against failure.-储户有能力去甄别-有关,而且比C更直观.
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