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
2023-11-12
38
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] The best title for the passage would be ______.
选项
A、Credit Cards for the Poor
B、Banks for the Poor
C、Pawnshops Versus Banks
D、Commercial Banks
答案
B
解析
主题概括题。综观全文可知,本文谈的是"pawnshops"在美国消费经济中的地位,即穷人的银行。因此,B为正确答案。文中指出,穷人是没有信用卡的,因此A选项不符合事实。文中并未比较“当铺和银行”,因此,选项C不能做文章的题目。D选项只是指一般人用的“商业银行”,更不适合做题目。
转载请注明原文地址:https://tihaiku.com/zcyy/3179505.html
相关试题推荐
Americansparticipatedinagreatdebatethroughoutthe1960sand1970s.Th
Americansparticipatedinagreatdebatethroughoutthe1960sand1970s.Th
Americansparticipatedinagreatdebatethroughoutthe1960sand1970s.Th
Americansparticipatedinagreatdebatethroughoutthe1960sand1970s.Th
Thestudentsweremuchencouraged_____achancetotalkwiththeAmericansinEng
Thepressure______causesAmericanstobeenergetic,butitalsoputsthemunder
Americansoftensaythattherearetwothingsaperson______inlife:deathandt
People______thatverticalflighttransportswouldcarrymillionsofpassengersa
What’stherulingissuedbytheSupremeCourtontherightofAmericanstoowng
SomeoneoncemarkedthattheBritishandtheAmericansaretwopeoplessepa
随机试题
Thewinterisalreadyhereand______tobeamostsevereone.A、showsB、expectsC
已知方程xy″+y′=4x的一个特解为x^2,又其对应的齐次方程有一特解lnx,
2018年4月乙服装加工厂受托为甲企业定做员工工作服一批,双方签订的合同中注明乙
某企业为增值税一般纳税企业,适用的增值税税率为17%。该企业委托其他单位(增值税
一国的银行监管机构限制外国商业银行的利润汇出,在此国开设分支机构的一家外国商业银
橘皮的性味是()(2004)A.辛苦温 B.辛甘温 C.甘苦温 D
患者因胎儿过大,产时失血过多,近日出现低热,体温37.6℃,恶露量少,色淡质稀,
《公共娱乐场所消防安全管理规定》(公安部令第39号)经1999年5月11日公安部
共用题干 张一、李二、王三因口角与赵四发生斗殴,赵四因伤势过重死亡。其中张一系
病例数为20~30例的是A.I期临床试验 B.Ⅱ期临床试验 C.Ⅲ期临床试验
最新回复
(
0
)