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标题: 求助 OG12- CR88 [打印本页]

作者: zjhzkingsam 时间: 2011-8-21 20:43 标题: 求助 OG12- CR88

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 becomesavailable 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.

答案是A 可D为什么不对呢?

作者: teddyabc 时间: 2011-8-22 06:22

这题就是说，政府要让这些存款与投资增加，所以让纳税人可以免税存钱或是投资。A 指出这不一定会让公司有更多钱来借，因为那些纳税人看到自己的积蓄多了，也就去借更多的钱。
在美国，你要去借钱，一定要有偿还的可能，不然银行不会贸贸然借钱给你。一般人是用房产来抵押，但也可以用退休金来做 collateral 的。所以退休金存款若高了，collateral 就更多，那就可以借多一点的钱。

作者: zjhzkingsam 时间: 2011-8-22 21:06

谢谢ls 仔细看看发现D是无关选项我想多了

作者: lovesiqi4665 时间: 2011-8-23 06:28

A中cnsumer贷的钱多了，所以导致business没有钱贷了？我怎么觉得不可能啊

作者: longshort 时间: 2011-8-25 06:45

问一句题外话，B选项在说什么意思阿？我则么看不懂？
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.
中文啥意思啊？？？

作者: arthurman 时间: 2011-8-26 06:29

问一句题外话，B选项在说什么意思阿？我则么看不懂？
B) The increased tax revenue the government woul ...
longshort 发表于 2011-8-25 06:45

个人愚见~B，在计划首年中，由于商业扩张导致的政府税收增加不能抵消个人所得税的流失。

作者: triangel8866 时间: 2011-8-28 07:48

C~为什么不可以呢？有些人不存retirement savings accounts，money available是不是就少了？

作者: coffee0921 时间: 2011-8-29 21:09

我觉得A、C都能weaken啊！！

作者: winny0821 时间: 2011-8-30 06:19

原文谈的是：银行储蓄多了，银行就有钱借给business了，
结论：用tax incentive的方法来鼓励个人多储蓄,使得银行的储蓄增加可以借给business简言之就是：钱增多，可以足够放贷

(A) When levels of personal retirement savings increase, consumer borrowing always increases correspondingly.==>储蓄是增加了，但是又被consumer借走了，总得来说最后储蓄没有增加，银行没有足够的钱借给business==>这个incentive没有达到效果，weaken了conclusion
(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.==> tax incentive只是题干中的一个手段，不是因果关系的因果因素。所以关于tax incentive的都是无关因素
(C) Even with tax incentives, some people will choose not to increase their levels of retirement savings.==>原文的premise是说tax incentive能够帮助savings增加，这个选项反驳这个premise是不可以的。凡是GMAT给出的premise都不能被驳斥，因为是这个argument存在的基础
(D) Bankers generally will not continue to lend money to businesses whose prospective earnings are insufficient to meet their loan repayment schedules.==>同理于C，和argument介绍的信息反了。Premise是默认会借钱的，选项说不借就是驳了premise了。即便是增加new information解释不借款的理由也是没有用的，这不是我们要考虑的东西，故信息无关
(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.==>还是主过tax incentive，但是钱到底多了没有呢，没有说清楚，故无关

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