OG(VR)46

[lovekyoko]

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．

46．Which of the following，if true，most seriously weakens the economist's argument?
(A) Before the government started to insure depositors against bank failure，there was a lower rate of bank failure than there is now．
(B) When the government did not insure deposits，frequent bank failures occurred as a result of depositors’ fears of losing money in bank failures．
(C) Surveys show that a significant proportion of depositors are aware that their deposits are insured by the government．
(D) There is an upper limit on the amount of an individual's deposit that the government will insure，but very few individuals’ deposits exceed this limit．
(E) The security of a bank against failure depends on the percentage of its assets that are loaned out and also on how much risk its loans involve．


答案是B

但是我想問C 哪裡有支持 C是說研究顯示有很大比例的存款者知道他們的存款被政府投保 但是為什麼解答說

而且不太懂解答說 The knowledge that their deposits are insured no matter which bank they choose may lead depositors to be 1ess selective in their choice of bank



還有D 我怎麼覺得是無關 政府投保個人的存款是有上限 少數的人超過上限

那紅色部分又怎麼解釋

Since most depositors are covered by federal insurance．they can continue to be less selective in choosing a bank


感謝這裡的牛人