首页
登录
职称英语
Millions of Americans run to the bank or visit automated teller machines when
Millions of Americans run to the bank or visit automated teller machines when
游客
2023-11-23
22
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 bank 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 States--one for every two banks. Data suggest these pawnshops made about 35 million loans, providing that Caskey and Zimund estimate as 1 percent of the nation’s consumer credit. [br] What do the underclass people do when they need cash?
选项
A、They go to local banks for help.
B、They apply for credit cards.
C、They ask for a loan from large banks.
D、They apply for a loan in a pawnshop.
答案
D
解析
细节理解题。由文章第二段可知穷人需要现金时不是去银行,而是去当铺,因此D选项为正确答案。 A、B、C选项是指的大多数美国人的做法。
转载请注明原文地址:https://tihaiku.com/zcyy/3213031.html
相关试题推荐
MembershipinlaborunionsintheUnitedStatesreacheditspeakof17millions
Americansfinditdifficulttoengageinanyactivityforpurepleasure.We
Americansfinditdifficulttoengageinanyactivityforpurepleasure.We
Americansfinditdifficulttoengageinanyactivityforpurepleasure.We
Americans’circleofcloseconfidantshasshrunkdramaticallyinthepasttw
Americans’circleofcloseconfidantshasshrunkdramaticallyinthepasttw
Americans’circleofcloseconfidantshasshrunkdramaticallyinthepasttw
Americans’circleofcloseconfidantshasshrunkdramaticallyinthepasttw
Americans’circleofcloseconfidantshasshrunkdramaticallyinthepasttw
Americans’circleofcloseconfidantshasshrunkdramaticallyinthepasttw
随机试题
[audioFiles]audio_ehbm_j15001(20082)[/audioFiles]A、Moveon.B、Pleasedo.C、Use
SmartphonesAsmartphoneisonedevicethat
Toseehowbigcarrierscouldcontroltheonlineworld,youmustunderstand
A.α受体 B.α受体 C.β受体 D.β受体 E.β受体激活后能促进糖
全国人口数( )。A.是一个观测数据 B.是一个实验数据 C.只能通过普查
一个书架上有上、中、下三层,共藏书1920。现从上层取出本层藏书数的7/11放入
关于药品效期表示方法,正确的是()。A.失效期至2012.11.20,表明可使
发现肺癌最常用和首选的方法是A.X线胸片 B.痰液脱落细胞检查 C.纤维支气
(2020年真题)根据耕地占用税法律制度的规定,下列情形中,不缴纳耕地占用税的是
“五牌一图”指的是工程概况牌、管理人员名单及监督电话牌、消防保卫牌及()。
最新回复
(
0
)