OG CR 88

邦得

88. 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.

此题答案是A  我也选对了
但是D 选项的解释没看懂
OG在解释为什么不选D 时说到
The plan would increase the money available specifically for development loans, not existing
loans
有没有学经济的同学可以解释一下这两组划线的词是啥意思
最好联系此题  解释一下这个句子意思  谢谢

hanshipeng

这两个不是什么专业术语，development loan就是指的投资贷款（相对的还有消费贷款），一般贷款目的是投资的就是development贷款，比如企业贷款，贷款是消费的就是消费贷款，比如信用卡，属于广义的贷款。existing loan是指的已经贷给企业的贷款。这句话的意思就是，这个plan的目的是增加企业可用贷款，也即development loan。这个贷款增加了，说明能贷给企业的钱多了，但并不代表企业一定能贷到钱。所以development loan增加不代表existing loan增加。就像你收入多了，不代表你花的就多。

结合这道题，题目的相关问题是如何增加可用贷款，而不是这个钱到底贷不贷，能不能贷，带给谁，....的问题。

邦得

谢谢楼上~~got it

赤尾屿

对对，同意hanshipeng
D:一方面否定了P,而且题目纠结的是能不能有钱available借给borrower,而不是说到底借没有借给borrower。那是后话了，borrower实力不够，也是不借的，但是银行是有足够的钱向外放款的。