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
35
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 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/3794071.html
相关试题推荐
Americansoftensaythatthereareonlytwothingsapersoncanbesureofi
YoungerAmericanswillhavetotakeourwordforit;therewasatime,wayb
MillionsofAmericansruntothebankorvisitautomatedtellermachineswh
MillionsofAmericansruntothebankorvisitautomatedtellermachineswh
MillionsofAmericansruntothebankorvisitautomatedtellermachineswh
Indigitalelectronics,signalsarebrokendownintothousands,maybemillions,_
Asthecostofgasandoilforhomeheatinghasgoneup,manyAmericanshav
Asthecostofgasandoilforhomeheatinghasgoneup,manyAmericanshav
Asthecostofgasandoilforhomeheatinghasgoneup,manyAmericanshav
Factoriesaresuppliedwith______machines.A、plentyofB、agreatdealofC、vasta
随机试题
Despiteoftheiropposition,hewenthisownwayandstartedhispreparations.A、
[originaltext]A:Rookiedirectortalksabouttacklinggayteenangstandromanc
Thoughtelephoneisindispensableinone’severydaylife,itbringsalotoftro
He(use)______swiminthatriverwhenhewasalittleboy.usedto本题考查固定结构的用法。句子中
TheAmericandreamismost______duringtheperiodsofproductivityandwealthg
A. B. C. D.
Z特殊普通合伙企业的合伙人需要进行产权转让目的的评估,则评估对象是( )。A、该
阅读下面材料,回答问题。 黄某是某区政府机要室的机要员。2009年10月16日
A.增加和减小 B.减少和增大 C.为原来的一半和减小 D.为原来的一倍和
(2013年真题)根据《环境影响评价技术导则-声环境》,下列关于声环境影响预测范
最新回复
(
0
)