作者：英吉
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?
(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.
题目分析：A说如果某种情况发生，银行会倒闭，强调的是银行倒闭的条件，原文只说了银行倒闭，没说过银行倒闭的条件，明显是希望我断章取义留下来的错误答案。B说储户在不同银行会有不同的户头，没说过，杀。C说存的钱越多，储户选择银行越仔细，明显是一个带有主观情绪的错误答案。D说银行利率之间的差距不是导致银行倒闭的原因，没说过，杀。E说潜在的储户能决定那个银行能够确保能够地址倒闭，在谈的就是储户与银行防止倒闭之间的关系，原文谈的就是这种关系，留着。
