如果a选项是对的。如果California banks charge depositors（存款人） more than banks elsewhere do for many of the services they offer，那么the comparatively high wages they must pay to attract qualified workers已经由于charge存款人而得到了补偿。既然这样，a选项怎么waken 了This shortage of competition among banks explains why interest rates on personal loans in California are higher than in any other region of the United States这样一个结论呢？谢谢
8. Consumers in California seeking personal loans have fewer banks to turn to than do consumers elsewhere in the United States. This shortage of competition among banks explains why interest rates on personal loans in California are higher than in any other region of the United States.
Which of the following, if true, most substantially weakens the conclusion above?
(A) Because of the comparatively high wages they must pay to attract qualified workers, California banks charge depositors more than banks elsewhere do for many of the services they offer.
(B) Personal loans are riskier than other types of loans, such as home mortgage loans, that banks make.
(C) Since bank deposits in California are covered by the same type of insurance that guarantees bank deposits in other parts of the United States, they are no less secure than deposits elsewhere.
(D) The proportion of consumers who default on their personal loans is lower in California than in any other region of the United States.（A）
(E) Interest rates paid by California banks to depositors are lower than those paid by banks in other parts of the United States because in California there is less competition to attract depositors.
Because the labor cost is comparatively higher in CA than that in the other states, the banks in CA charge more from the DEPOSITORS. But we must bear it in mind that the group of the Consumers in California seeking personal loans ARE NOT necessarily identical to the group of those DEPOSITORS. Since the comparatively high labor cast has already been compensated by charging more from the DEPOSITS, if Banks in CA charge high interest rates on the personal loans from their CUSTOMERS who are seeking money borrowers, then the labor cost of the banks will be compensated twice.
The reason for the banks in CA to charge more from DEPOSITORS can not necessarily be contributed to the high interests on personal loans. Because, again, money borrowers, in this case customers, are different from depositors. 作者: sophialaw81 时间: 2012-9-11 06:36
If A says "Because of the comparatively high wages they must pay to attract qualified workers, California banks charge customers who are seeking personal loans more than banks elsewhere do for many of the services they offer.", then choice A will help weaken the conclusion.
(A) Because of the comparatively high wages they must pay to attract qualified workers, California banks charge depositors more than banks elsewhere do for many of the services they offer.
To weaken the conclusion, we must provide other reasons to explain. A-because of the comparatively high wages they must pay to attract qualified workers- has worked in this way. (California banks charge depositors more than banks elsewhere do for many of the services they offer) just repeat the conclusion. whether depositors is that customers should have no nothing with the effect of the other explanation.作者: larrylw 时间: 2012-9-12 21:36
A中，California banks charge depositors（存款人） more than banks elsewhere do for many of the services they offer. many of the sevices中包括了personal loan。这句也就等于，California banks charge depositors more than banks elsewhere do for personal loans。
至于depositor和money borrowers是不是同一团体，字面上看不是。但不知道美国人是不是有这样的common sense：只有depesitor才可以向银行借钱。如果是的话，这题就说得通了。作者: dragondragon 时间: 2012-9-13 06:34
我觉得讨论A为什么对是没有什么意义的。我觉得题目有错。A选项的后半句讲到depositor还有many of services根本和题干提到的personal loans是没有关联的，忽略后半句而只凭前半句的high wages来认为这是它因是不够的。我觉得从GMAT的逻辑的出题精神来说，把D选项的lower改为higher才是正确的答案。改了之后，CA的personal loans的不偿还的比例高于其他地方才是CA interest rate比较高的他因。相信做过一定数量GMAT逻辑的同学都能看出D选项改正之后更符合GMAT的风格。
欢迎光临 国际顶尖MBA申请交流平台--TOPWAY MBA (http://forum.topway.org/)
