首页
登录
职称英语
Millions of Americans run to the bank or visit automated teller machines wh
Millions of Americans run to the bank or visit automated teller machines wh
游客
2024-10-09
44
管理
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. [br] What is the percentage of the population in the United States that doesn’t get bank loans?
选项
A、Roughly 20 percent.
B、The article didn’t say.
C、More than 10 percent.
D、Less than 10 percent.
答案
C
解析
细节理解题。由文章第三段可知有20%的人没有银行账户,这其中又有一半的人无法获得银行贷款,所以C为正确答案。A选项指的是没有银行账户的人。
转载请注明原文地址:http://tihaiku.com/zcyy/3794070.html
相关试题推荐
MillionsofAmericansruntothebankorvisitautomatedtellermachineswh
MillionsofAmericansruntothebankorvisitautomatedtellermachineswh
MillionsofAmericansruntothebankorvisitautomatedtellermachineswh
Indigitalelectronics,signalsarebrokendownintothousands,maybemillions,_
Asthecostofgasandoilforhomeheatinghasgoneup,manyAmericanshav
Asthecostofgasandoilforhomeheatinghasgoneup,manyAmericanshav
Asthecostofgasandoilforhomeheatinghasgoneup,manyAmericanshav
WhathadChineseAmericansbeenassociatedformanyyearsintheUnitedStates?
WhathadChineseAmericansbeenassociatedformanyyearsintheUnitedStates?
Wherecanpeopletakeadulteducationcourses?[br][originaltext]Millions
随机试题
He____veryquicklyafterhisillness.A、recoveredB、discoveredC、uncoveredD、cove
TheSacrificeatMasadaOnediscoveryalwaysleadsto
Theinternwasalmosttoo______;hefeltthesufferingofhispatientsasifit
9-11TerroristAttackThereasonofthe9-11terrori
ImaginebeingaslaveinancientRome.Nowrememberbeingone.Thesecondta
本题包括3道分题,其中A分题有关图书出版,B分题有关期刊出版,C分题有关数字出版
用邻接矩阵作为图的存储结构时,则其所占用的存储空间与图中顶点数无关而与图中边数有
虚劳,症见咳嗽无力,痰液清稀,短气自汗,声音低怯,面自神疲,肢体无力,舌淡,苔白
下列哪种炎症属于Ⅳ型免疫反应?( )A.风湿性心内膜炎 B.支气管哮喘 C
()可用来考查学生对知识的回忆,且可将学生的猜测可能性降到最小。 A.选择题
最新回复
(
0
)