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  3. Economists used to think wealth came from a combination of man-made resources(roads, factories, telephone systems), human resour

Economists used to think wealth came from a combination of man-made resources(roads, factories, telephone systems), human resour

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问题     Economists used to think wealth came from a combination of man-made resources(roads, factories, telephone systems), human resources(hard work and education), and technological resources(technical know how, or simply high-tech machinery).【F1】Obviously, poor countries grew into rich countries by investing money in physical resources and by improving human and technological resources with education and technology transfer programs.
    Nothing is wrong with this picture as far as it goes. Education, factories, infrastructure, and technical know-how are indeed abundant in rich countries and lacking in poor ones. But the picture is incomplete, a puzzle with the most important piece missing.
    【F2】The first clue that something is amiss with the traditional story is its implication that poor countries should have been catching up with rich ones for the last century or so—and that the farther behind they are, the faster the catch-up should be. In a country that has very little in the way of infrastructure or education, new investments have the biggest rewards.
    In a world of diminishing returns, the poorest countries gain the most from new technology, infrastructure, and education. South Korea, for example, acquired technology by encouraging foreign companies to invest or by paying licensing fees. In addition to the fees, the investing companies sent profits back home. But the gains to Korean workers and investors, in the form of economic growth, were 50 times greater than the fees and profits that left the country.
    【F3】As for education and infrastructure, since the returns seem to be so high, there should be no shortage of investors willing to fund infrastructure projects or lend money to students(or to governments that provide education). Banks, domestic and foreign, should be lining up to lend people the money to get through school or to build a new road or a new power plant.【F4】In turn, poor people, or poor countries, should be very happy to take out such loans, confident that investment returns are so high that the repayments will not be difficult. Even if, for some reason, that didn’t happen, the World Bank, established after World War 11 with the express aim of providing loans to countries for reconstruction and development, lends billions of dollars a year to developing countries.【F5】Investment money is clearly not the issue; either the investments are not being made, or they are not delivering the returns the traditional model predicts.
【F3】
选项
答案至于教育和基础设施，由于其收益可能极高，所以不会缺少愿意投资基础设施建设项目或是愿意给学生贷款(或给政府教育部门贷款)的投资人。
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