请教OG-130

XIAOHONGYAN

130. Bank depositors in US are all financially protected against bank failure because the government insures all individuals 's bank deposits . An economist argues that this insurance is partly responsible for the high rate of bank failure , since it removes from depositors any financial incentive to find out whether the bank that holds theri money is secure against failure . If depositros wre more selevive , then banks would need to be secure in order to compete for depositors's money. assumtion. D. The difference in the interests rates paid to depositors by different banks is not a significant factor in bank failures. E. Potentail depositors are able to determine which banks are secure agaisnt failure.

想了半天，没想明白为什么E是假设？将其取非的话，也不能得出结论“银行破产因为政府保障”。倒是觉得D很有道理。

不胜感激 。

EagerBeaver

原題句意為 (1).政府保障所有銀行的存款導致銀行高違約率

(2).因為政府此一行為移除了存戶找尋安全銀行誘因(暗指所有銀行都有政府

安全保障就不去探查誰較安全)

其前提必定為存款人有能力分辨銀行的安全性,不然無分辨能力之下,存款戶

有無意願探查銀行安全都與錢的流向無關(因無法分辨只好隨機),

銀行的違約率也因此與政府行為無關,不會導致升高.

因此 E. Potentail depositors are able to determine which banks are secure agaisnt failure.

正確前提.

D. 選項無關,錯誤.

3smoviesalon

那么此题不能用取非做么？

VictoriaSuns

D为什么无关啊，取非为什么不行呢？大家帮忙看看啊

sinadragon

取非应该也行吧, 人们没有能力分辨, 从而经济学家的ARGUMENT根本就没有意义了