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
41
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 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://tihaiku.com/zcyy/3179508.html
相关试题推荐
Underthedifficultfinancialsituation,Americans______.[br][originaltext]
WhydidtheauthormentiontheproportionofAmericanswhoareexpecttoturnou
Welearnfromthepassagethat[br][originaltext]MostAmericansthinkthe
Welearnfromthepassagethat[br][originaltext]MostAmericansthinkthe
Welearnfromthepassagethat[originaltext]MostAmericansthinkthequalit
AsimplepieceofropehangsbetweensomeenvironmentallyfriendlyAmericans
AsimplepieceofropehangsbetweensomeenvironmentallyfriendlyAmericans
Americansoftensaythatthereareonlytwothingsapersoncanbesureofi
Americansoftensaythatthereareonlytwothingsapersoncanbesureofi
YoungerAmericanswillhavetotakeourwordforit;therewasatime,wayb
随机试题
_______wearenotaskedtofillthereaders’feedback,wehavenoneedtodoit
IfyouhavereallybeenlivinginFranceforsomanyyears,it’sabouttimeyou_
根据《国务院关于投资体制改革的决定》,只需审批资金申请报告的政府投资项目是指采用
2013年1月,陈甲以其7岁的儿子陈乙为被保险人投保了一份5年期的人寿保险,未指
某版初中语文教材《茅屋为秋风所破歌》后有一道“探究·练习”题,第一题是“联系作者
补体活化经典途径开始于( )。A.C4的活化 B.C2的活化 C.C3的活
A.间歇脉 B.缓脉 C.三联律 D.绌脉 E.速脉房室传导阻滞的脉搏是
采用AVC等自动投切系统控制的多组电容器投切策略应保持各组投切次数均衡,避免反复
根据下列资料回答问题。 2010年,我国进出口贸易总额为29727.6亿美元
下列损失时间中,定额应给予合理考虑的是()。A.施工组织不善引起的时间损失 B
最新回复
(
0
)