考研考试

根据网考网考试中心的统计分析，以下试题在2019/6/14日考研习题练习中，答错率较高，为：85%
【单选题】Short of money Need an instant loan Since the early 1990s your best bet has been to go to the low-rent end of town and find an appointed loan-shop. There you can borrow money in small amounts, generally not much more than $500, against your post-dated pay-cheque. You will be charged around $15 interest for every $100 you borrow--and that is per month.
For many people, there is no alternative.Banks refuse to make small loans because there is no money in it, and completely unregulated lending, via the internet or loan sharks, is too alarming.According to theCommunity Financial ServicesAssociation, an advocacy group for the industry, most borrowers are responsible and pay off their loans in a timely manner.But some don’t.
TheCentre for Responsible Lending, a consumer group, says that many borrowers routinely roll over their loans. This quickly brings them into debt traps.A、typical borrower may end up paying $793 for a $325 loan. The centre estimates that payday loans costAmericans $4.2 billion a year in interest and fees.
The industry thrives, in large part, because it operates mostly outside state usury laws that prohibit excessive interest rates. Its spokesmen say lenders need such exemptions to make a profit on their basic service, small loans. Lenders say that their returns would amount to pennies on the dollar if interest rates were cappeD、In fact, they say, such restrictions would put them out of business.
And that is exactly what many of their opponents would like to see--particularly when it comes to loans made to the families of soldiers. In one of the last acts of the RepublicanCongress, payday lenders were restricted to interest rates of 36% on loans to military personnel and their spouses. The Pentagon is worried that uniformed personnel, especially those serving in Iraq, have been losing their security clearances because of excessive debt at home. This, among other things, was leading to the costly reassignment of highly trained troops, such as communications experts, to ordinary low-skill jobs.
Robert Frank, an economist atCornell University, wrote recently in the New York Times that the industry -- not unlike the sub-prime mortgage sector -- is a beneficiary of the sweeping deregulation of the financial-services industry that has made credit more accessible. Its adverse consequences, he says, were" completely predictable". Once poor people get in over their heads, they will borrow themselves into bankruptcy if the law permits; and" if we are unhappy about that, the only solution is to change the rules.\
The small-loan industry is able to avoid law prohibitions because ______.A．The excessive interest is made by the roll-over of borrowers.
B．Lenders vow that small loans can only survive without interest limitations.

C、It may provide help to military officials and their family.
D．Most borrowers can pay back their money timely

网考网参考答案：B，答错率：85%
网考网试题解析：
本题为推理判断题。选项A中的内容在文中有所涉及，但是这只是一种现象而非此类贷款能够逃避法律限制的原因。文中虽然提到了军事人员的问题，但是作为反面例证进行陈述的，并没有提到帮助的问题，所以C不对。选项D虽然也是事实，但是同题干无关。根据“Lenders say that their returns would amount to pennies on the dollar if interest rates were capped．”，如果小额贷款的利息受到限制，该项行业将无利可图，因此选B。 document.getElementById("warp").style.display="none"; document.getElementById("content").style.display="block"; 查看试题解析出处>>