[問題] OG 10 Q131

[hooey]

OG131.
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.

131. 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 thislimit.
(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.

OG的解釋是：The argument that deposit insurance,because of its impact on depositor's choice of banks, is partially responible for the high rate of bank failures would be weakened if deposit insurance also prevented certain bank failures.Choice B sugguests that deposit insurance does prevent certain bank failures and is thus the best answer.

為什麼（Ｂ）可以有prevent certain bank failure 的效果呢?
請大家替我指點迷津！ｔｈｘ！

[frozenrain]

原題的邏輯：政府的保障必須對銀行的高 faiure rate 負責。
簡化來看：政府保障 -> 高 failure rate

(B) 的意思：如果政府不保障，frequent bank failures occurred
因此政府保障是有起到部份作用
政府保障 -> 有阻止 frequent bank failures occurred 的作用

[hwatai]

這題很繞，試著照著OG的解釋回推

og 的解釋
the argument that deposit insurance is partially responsible for the high rate of bank failures would be weakened if deposit insurance also prevented certain bank failures.

這裡要先停一下，OG要的東西是拿A→~B 來 weaken A→B；意指直接挑戰A→B的正當性

og要的東西是：deposit insurance also prevented certain bank failure

(B)no insurance → failures occurs

反推

若failures not occurs 則 有insurance
符合og 要的東西deposit insurance also prevented certain bank failure

[LSY_NASA]

請問那這題是說：
經濟學家認為政府保險須對高銀行倒閉率部份負責

weaken則是找政府保險要負全責的

d選項是說：個人會自己選擇銀行，不干政府保險的事嗎？



是這樣嗎？看了好久還是不太懂，請教各位，謝謝！

[zeta1203]

我做PPT1-66
題目一樣,但他是問 Assumption
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....為何C不行

[dibert8]

PPT1-66
重點在 "If depositors were more selective"
(A) 無關於違約
(B) 無關於帳戶多寡
(C) 無關於存錢多寡
(D) 無關於利息

[lelapin]

原題的邏輯：政府的保障必須對銀行的高 faiure rate 負責。
簡化來看：政府保障 -> 高 failure rate

(B) 的意思：如果政府不保障，frequent bank failures occurred
因此政府保障是有起到部份作用
政府保障 -> 有阻止 frequent bank failures occurred 的作用

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請問一下,那也就是說, 如果沒有政府的保障,銀行failure rate 會比有保障更高?

[Austing]

請問那這題是說：
經濟學家認為政府保險須對高銀行倒閉率部份負責

weaken則是找政府保險要負全責的

d選項是說：個人會自己選擇銀行，不干政府保險的事嗎？



是這樣嗎？看了好久還是不太懂，請教各位，謝謝！

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Insurance(depositors are not selective)-->bank failure
(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. 對於個人存款金額的限制 (irrelevent)

[chris8888]

(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.
政府有承保個人存款金額的上限, 但是只有一些人們的存款超過這個限制.
存款上線與下限, 限額是多少無法推翻經濟學家的觀點
找推翻 => (main argument : 經濟學家認為政府不要去承保存款戶的錢, 要讓民眾自己去判斷)