一道逻辑题~大字求讲解~先谢过

lyx6117

Bank depositors in the United States
are allfinancially protected against bank failure because the government insures allindividuals' bank deposits.  An economistargues that this insurance is partly responsible for the high rate of bankfailures, since it removes from depositors any financial incentive to find outwhether the bank that holds their money is secure against failure.  If depositors were more selective, then bankswould need to be secure in order to compete for depositors' money.The economist's argument makes which of the following assumptions?

(A)Bank failures are caused when big borrowers default on loan repayments.
(B)A significant proportion of depositors maintain accounts at several differentbanks.
(C)The more a depositor has to deposit, the more careful he or she tends to be inselecting a bank.
(D)The difference in the interest rates paid to depositors by different banks isnot a significant factor in bank failures.
(E)Potential depositors are able to determine which banks are secure againstfailure.


其实就是一道prep的题，之前也有很多人问过，但是俺的问题是没有搞清这个假设题的论据和结论：
俺觉得论据是：政府无保险，存款人就要选择银行，这样就促使银行提高安全性去竞争
结论是：银行的failure会减少


但是，如果要在这个论据和结论上架桥的话，岂不是说假设：银行的安全性是决定其是否failure的关键，或者是其他因素不会导致failure?
那这样A选项说银行的failure是因为贷款收不回---安全性不好
D说：其他因素不是导致failure的重要因素
AD岂不都是架桥了？


答案是E。虽然E也很对，俺也能明白，但是就是搞不懂AD~


求NN解释~大谢！

猪王山

原题的前提和和结论是，如果顾客多会选择银行，银行就会为顾客存的钱的安全考虑（If depositors were more selective, then bankswould need to be secure in order to compete for depositors' money.）
A和D都是说failure的因素，在这里无论bank failure是什么原因，只要银行有竞争意识为顾客的存款考虑，就会用不管什么办法提高安全性，从而避免failure，因此failure的原因是无关选项。

lyx6117

原来如此~！

gina9631

为什么C不对呢？depositor如果有更多的钱要存入，他肯定会更小心的选择银行了。这样的话，银行就会让自己更安全一些，才能与其他的银行竞争啊~这样不对吗？