大全-18-8.       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.

题干不是很明白，请问什么意思啊？

因为califonia提供私人贷款项目的银行比较少，所以缺少竞争是导致califonia的贷款利率高于其他州的原因。
因为银行少，所以人们的选择就少，银行之间的竞争压力就小，所以他们就可以收比较高的利息。

答案是A吧？A推翻了上面的逻辑线，说明高利率不是缺少竞争导致的。