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  3. In Western countries people have been using the installment (分期付款) plan since the first half of the twentieth century. Today, a

In Western countries people have been using the installment (分期付款) plan since the first half of the twentieth century. Today, a

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问题     In Western countries people have been using the installment (分期付款) plan since the first half of the twentieth century. Today, a large number of families in Great Britain buy furniture, household goods and cars by installment. In the U. S. , the figure is much higher than in Great Britain, and people there spend over 10 percent of their income on the installment plan.
    The price of an article bought on installment is always higher than the price that would be paid by cash. There is a charge for interest. The buyer pays one quarter or one third of the price as a down payment (首期付款) when the goods are delivered to him. He then makes regular payments, weekly or monthly, until the full price is paid up. The legal ownership of the goods remains with the seller until the final payment has been made.
    Installment buying has advantages and disadvantages. It can help couples with small incomes to furnish their homes and start housekeeping. It increases the demand for goods, and in this way helps business and employment. There is, however, the danger that when business is bad, installment buying may end suddenly, making business much worse. This may result in a great increase in unemployment. If the people on the installment plan lose their jobs, they will probably not be able to make their payments. If great numbers of people are not able to pay their installment debts, there is a possibility that businessmen cannot collect their debts and will therefore lose money. If businessmen lose money or fail to make a satisfactory profit, it becomes more likely to have a depression. This is why, in some countries, the government controls the installment plan by fixing the amount of the down payment and each of the following installments to discourage people from buying more than they can pay for on the installment plan.
The advantage of installment buying might include all the following EXCEPT that _____.
选项 A、purchasing power is strengthened
B、employment might be increased
C、people develop a good habit of saving money
D、young couples are able to furnish their homes
答案C
解析 本题是事实细节题。由文章第三段第二句和第三句可知，A、B、D项都是正确的。分期付款其实是刺激人们消费的，因此C项使人们养成省钱的好习惯不足其优点。故选C。
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