首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Millions of Americans run to the bank or visit automated teller machines when they need cash. They use credit cards when they wa
Millions of Americans run to the bank or visit automated teller machines when they need cash. They use credit cards when they wa
admin
2013-09-28
35
问题
Millions of Americans run to the bank or visit automated teller machines when they need cash. They use credit cards when they want to buy clothes, VCRs, or television sets.
But there is an underclass—people with low incomes and no credit history—who visit their neighbourhood pawnshops when they need cash or a loan.
An estimated 20 percent of the US population has no bank account, more than half of this group don’t have credit cards and cannot get bank loans.
"These people are borrowing an average of $ 50," said John P. Caskey of Swarthmore College in Swarthmore, Pennsylvania. "If you add up in terms of how much dollar value pawnshops provide they don’t look very important. If you add up how much of the population they serve or the number of loans they make, they are important."
Because they make loans, pawnshops are a type of bank, often calling themselves "the bank of the little people".
Caskey and Swarthmore student Brain Zikmund in 1989 looked at the importance of pawnshops in the US economy—the first serious study of the subject since the 1930s.
Their conclusion: pawnshops are the consumer’s lender of last resort.
Pawnshop customers typically cannot get credit at mainstream financial institutions. They have poor credit records, excessive debt in relation to their incomes, low and unstable incomes, or cannot maintain positive hank account balances.
Typically, pawnshop customers borrow relatively small amounts that traditional lenders are unwilling or unable to provide on a secured basis.
"If you look at total consumer credit, the amounts provided by pawnshops remain small," Caskey said. "They are lending primarily to low-income people. In terms of the population they serve, they’re really important."
In 1988, about 6. 900 pawnshops operated in the United Stales—one for every two banks. Data suggest these pawnshops made about 35 million loans, providing that Caskcy and Zimund estimate as 1 percent of the nation’s consumer credit.
What can we learn about pawnshops?
选项
A、Poor people come to pawnshops as their last resort.
B、Most people prefer pawnshops for their need of cash.
C、Pawnshops are an important part of the state economy.
D、Pawnshops are not important because they constitute only 1 percent of the nation’s consumer credit.
答案
A
解析
主旨推断题。文章主要讲述的是“当铺作为穷人的银行在美国经济中的作用”,因此A选项为正确答案。B选项与事实不符。由文章可知,当铺在美国经济中虽不是重要的,但却是不可或缺的。因此, C、D选项都是不对的。
转载请注明原文地址:https://kaotiyun.com/show/BtLK777K
0
专业英语四级
相关试题推荐
______foryouhelp,we’dneverhavebeenabletogetoverthedifficulties.
Culturalnormssocompletelysurroundpeople,sopermeatethoughtandactionthatweneverrecognizetheassumptionsonwhichth
"I’malittleworriedaboutmyfuture,"saidDustinHoffmaninTheGraduate.Heshouldbesolucky.Allhehadtoworryaboutw
Beforereturningtohisoffice,Joehasto
Itisimperativethatthegovernment______moreinvestmentintotheshipbuildingindustry.
Whatmakesitpossibletowithdrawordepositmoneyinscatteredlocations?
WeatherintheWorldBecomesWarmtoExhaustwithGreenhouseGasItwastimetogetcreative.In2006,aheadofgovernment
Fromchildhoodtooldage,wealluselanguageasameansofbroadeningourknowledgeofourselvesandtheworldaboutus.When
Somepeople______gardeninsectsbysprayingpoisonontheplants.
Katya’s______loveofjusticecausedhertochampionanyonesheconsideredtobetreatedunfairlybysociety.
随机试题
多形渗出性红斑属于A.感染性疾病B.传染性疾病C.变态反应性疾病D.遗传性疾病E.自身免疫性疾病
A.1:1B.2:lC.3:1D.5:1E.7:1麦门冬汤中麦门冬和半夏的比例为
连翘与女贞子的共同点有
相关部门破获了一起非法生产治疗仪的案件。这种名为“SE-纳米波治疗仪”的所谓医疗器械,对外宣传时吹嘘称该仪器包含通便排毒、消脂减肥、创口愈合等功效,甚至还对10多种病有改善作用。但相关人员在检查后发现,“SE-纳米波治疗仪”没有进行医疗器械的注册,没有医疗
对会计档案的管理要做好()工作,重要的档案备双份,放不同的地方。
远期汇票使用的一般程序有()。
关于非全日制用工的说法,正确的是()。
()是学生学习活动中一种自觉能动的心理状态,是学生主动学习、积极思维、探索知识的内在动力。
警告是最轻的处罚、罚款是最常见的处罚、拘留是最严厉的处罚。行政拘留和刑事拘留是两个不同处罚。()
从所给四个选项中,选择最合适的一个填入问号处。使之呈现一定的规律性:
最新回复
(
0
)