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题库 / Prep2007E1-CR-66
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.
The economist's argument makes which of the following assumptions?
Bank failures are caused when big borrowers default on loan repayments.
A significant proportion of depositors maintain accounts at several different banks.
The more a depositor has to deposit, the more careful he or she tends to be in selecting a bank.
The difference in the interest rates paid to depositors by different banks is not a significant factor in bank failures.
Potential depositors are able to determine which banks are secure against failure.
Premise：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.
Conclusion：If depositors were more selective, then banks would need to be secure in order to compete for depositors' money.
补出Gap：E项弥补了前提到结论之间的gap，就是建立在depositors能够辨别出是否secure
排除他因：D项中排除了一个原因，就是其他导致银行破产的原因。但是题目很严谨，已经说是，这只是其中的部分原因，所以D项有违题干想考察的内容了。
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