Bank depositorsin the United States are all financially protected against bank failure because the government insures all individuals' bank deposits.An economist argues that this insurance is partly responsible for the high rate of bank failures, since it removes from depositors any financial incentive to find out whether the bank that holds their money is secure against failure.If depositors were more selective, then banks would 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 different banks.
(C) The more a depositor has to deposit, the more careful he or she tends to be in selecting a bank.
(D) The difference in the interest rates paid to depositors by different banks is not a significant factor in bank failures.
(E) Potential depositors are able to determine which banks are secure against failure.
请问这个题为什么不选C呢？如果depositor需要存越多的钱，他肯定会更加小心的选择安全性高的银行。。这样不就促使银行提高自身的安全性来和其他银行竞争吗？？？C越想越觉得有道理啊？？？哪位高人可以给解答一下呢。。。 | 
京公网安备11010202008513号 京ICP证101109号 京ICP备12012021号
发表于 2012-9-24 23:07:45
收藏
收藏
楼主
