Bank depositors in 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.
答案是E。我认为D也可以做假设啊，D否定了其他可能的原因啊，所以也相当于假设了。作者: lilingfeng 时间: 2010-12-16 21:10
this insurance is partly responsible for the high rate of bank failures 一定程度上认为是insurance的原因
却并没有否定 The difference interest rates paid to depositors 不是一个关键因素
OG解释如下: In arguing about choosing banks, the economist mentions nothing about the relation of interest rates to bank failures, so this statement is not assumed.
即使 the economist做了这个假设，那是不是还得假设inflation也无关、银行服务也无关、exchange rate也无关……?作者: Nickyl90 时间: 2010-12-17 20:45
