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
Even the best-intentioned policies can fail prey to the oddity of human behavior, as a new study of credit-card repayment finds.
Even the best-intentioned policies can fail prey to the oddity of human behavior, as a new study of credit-card repayment finds.
admin
2010-10-28
73
问题
Even the best-intentioned policies can fail prey to the oddity of human behavior, as a new study of credit-card repayment finds. In order to stop borrowers from being hit by an accumulation of unpaid interest whenever they fail to pay their bill, there are laws requiring credit-card companies to specify a minimum payment in each statement. But these may do more harm than good, suggests Neil Stewart, a psychologist at Warwick University.
Mr. Stewart was studying a phenomenon known as "anchoring". Psychologists have found that being exposed to numbers, even irrelevant ones, can affect people’s decisions. For example, diners tend to spend more in a restaurant named "Cafe 97" than in one named "Cafe 17". Since minimum payments on credit-card statements are usually small amounts, Mr. Stewart wondered whether seeing an actual amount might make people pay less than they would otherwise have done. That is exactly what he found.
Mr. Stewart presented 413 people with fake credit-card bills of S 435.76 that were identical -- except that only half mentioned a minimum payment of £5.42. Participants were asked how much they would pay.
Among those inclined to pay the bill in full, the presence of the minimum payment hardly made any difference. However, those who wanted to pay just part of it handed over 43% less on average when presented with a minimum payment. In the real world, this would roughly double interest charges.
Economists will be interested in the results. Behavioral economists advocate" nudging(用肘轻推)" people in the right direction by subtly altering the choices that they are presented with. The insistence on minimum payments is a variation on this theme. Supposedly, those confronted by minimum-payment requirements should pay at least that much. In fact Mr. Stewart’s work suggests that people who would have paid a lot, paid less. In economics, as in life, nudging needs to be done carefully.
As is found in a study of credit-card repayment, specifying a minimum payment for the borrowers may______.
选项
答案
do more harm than good
解析
由情态动词may可知空白处需填入动词谓语,题干意为“明确最低付款金额时,借款人的行为是怎么样的”。定位句前一句提到,出于为借款人考虑而制定了最低付款金额,但由定位句可知,这样做(明确最低付款金额)可能反而不好(do more harm than good),故本题答案为do more harm than good。
转载请注明原文地址:https://kaotiyun.com/show/Kuz7777K
0
大学英语六级
相关试题推荐
Althoughthefactthattodayvirusesareknownto【S1】______causecancerinanimalsandincertainplants,tha
Althoughthefactthattodayvirusesareknownto【S1】______causecancerinanimalsandincertainplants,tha
Livingisrisky.Crossingtheroad,drivingacar,flying,swallowinganaspirintabletoreatingachickensandwich--theycana
Livingisrisky.Crossingtheroad,drivingacar,flying,swallowinganaspirintabletoreatingachickensandwich--theycana
Livingisrisky.Crossingtheroad,drivingacar,flying,swallowinganaspirintabletoreatingachickensandwich--theycana
Weallscreamforwaterwhenthirsty,butdoyouknowinveryhot,dryweather,plantsalsomake【B1】______soundsasiftheya
______(确实他有一份高薪的工作,但不能由此推断)heisverysatisfied.
A、Physics.B、Mathematics.C、Environmentalscience.D、Lifescience.A预览选项可知,本题就学科进行提问。本题询问男孩在哪个科目比女孩得分更高。短文中的相关信息Boysscoredbett
Theyhadneverseensuchdeliciousfood,__________________(更别提和这些相关领域的专
Americaisdefinitelyatelephonecountry,______(这归功于一个事实,即良好的电话服务),
随机试题
(2012年4月)组织设定的战略目标必须满足的基本要求包括_____、_____、______。
冷凝器的作用是提供()产品及保证有适宜的液相回流。
下列清偿种类归纳不正确的一组是()
A.麻黄杏仁薏苡甘草汤B.麻黄附子细辛汤C.麻黄附子甘草汤D.麻黄加术汤少阴病,始得之,反发热,脉沉者宜
患者自汗,多尿,滑精,是因气的何种作用失常所致
孕激素的生理作用下述何项是正确的
根据《建设工程工程量清单计价规范》GB50500,装饰装修工程中按设计图尺寸以面积计算工程量的有()。【2010年真题】
土地使用权出让,必须符合( )的条件。
公开发行股票的成本有哪些?
编译和解释是实现高级程序设计语言的两种基本方式,________是这两种方式的主要区别。
最新回复
(
0
)