首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Even the best-intentioned policies can fall prey to the oddity of human behavior, as a new study of credit-card repayment finds.
Even the best-intentioned policies can fall prey to the oddity of human behavior, as a new study of credit-card repayment finds.
admin
2012-05-28
14
问题
Even the best-intentioned policies can fall prey to the oddity of human behavior, as a new study of credit-card repayment finds. In order to stop borrowers from being hit by an accumulation of unpaid interest whenever they fail to pay their bill, there are laws requiring credit-card companies to specify a minimum payment in each statement. But these may do more harm than good, suggests Neil Stewart, a psychologist at Warwick University.
Mr. Stewart was studying a phenomenon known as "anchoring". Psychologists have found that being exposed to numbers, even irrelevant ones, can affect people’s decisions. For example, diners tend to spend more in a restaurant named "Caf6 97" than in one named "Cafe 17". Since minimum payments on credit-card statements are usually small amounts, Mr. Stewart wondered whether seeing an actual amount might make people pay less than they would otherwise have done. That is exactly what he found.
Mr. Stewart presented 413 people with fake credit-card bills of £ 435.76 that were identical — except that only half mentioned a minimum payment of £ 5.42. Participants were asked how much they would pay.
Among those inclined to pay the bill in full, the presence of the minimum payment hardly made any difference. However, those who wanted to pay just part of it handed over 43% less on average when presented with a minimum payment. In the real world, this would roughly double interest charges.
Economists will be interested in the results. Behavioral economists advocate "nudging (用肘 轻推) people in the right direction by subtly altering the choices that they are presented with. The insistence on minimum payments is a variation on this theme. Supposedly, those confronted by minimum-payment requirements should pay at least that much. In fact Mr. Stewart’s work suggests that people who would have paid a lot, paid less. In economics, as in life, nudging needs to be done carefully.
The minimum-payment law makers try to save people from______if they don’t pay their bill in time.
选项
答案
an accumulation of unpaid interest
解析
根据don’t pay their bill定位在原文第一段第二句。原文中说为了防止借款者因为没有付账单而被积累起来的未付利息(an accumulation of unpaid interest)受到冲击,就有法律要求信用卡公司规定必须分期偿还的最低额度。题干中的save people from对应原文中的stop borrowers from。原文用in order to引导目的状语并前置,题干则用try to do结构进行了转换。
转载请注明原文地址:https://jikaoti.com/ti/u2vFFFFM
0
大学英语六级
相关试题推荐
OfalltheemployedworkersintheUnitedStates,12.5millionarepartofatemporaryworkforce.TheUnitedStatesBureauofLa
A、Itwasprettygood.B、Itwasratherdull.C、Itwasnotwellorganized.D、Itwasattendedbymanypeople.C
Someyoungpeoplewouldrathertryhardthemselveswhentheyareintrouble______(而不求助于他们的父母).
Althoughtherearebodylanguagesthatcancrossculturalboundaries,cultureisstillasignificantfactorinallbodylanguage
A、It’stooexpensive.B、Itwouldtaketoolong.C、Nothing’sworthseeing.D、He’sbeentherebefore.A男士听到女士的报价之后大为吃惊,他认为这价格都够他们俩
A、Hisparentsdetainedhiscar.B、Thereissomethingwrongwithhisear’swheel.C、Hewasunabletodriveacarbecauseofhism
Marytried_______topersuadeherhusbandtogiveupsmoking.
Aftertwoyearshereceivedthecertificateofthecollegefor______inchemistry.
Aftertwoyearshereceivedthecertificateofthecollegefor______inchemistry.
A、Theywereexpensive.B、Noonebelievesthem.C、Theywereunsuccessful.D、Theywereoftendeceptive.D根据短文中提到的Butconsumersrea
随机试题
女性,26岁,既往月经规律,停经50天,近3天晨起呕吐,厌油食,伴有轻度尿频,仍坚持工作。可能的诊断是()。
设计信息检索时需要考虑的因素包括()。
根据有关规定,如果工程初步设计提出的总概算超过可行性研究报告总投资的()以上或其他主要指标需要变更时,应说明原因和计算依据,并重新向原审批单位报批可行性研究报告。
工程量清单计价的适用范围是()
“严师出高徒”、“棍棒底下出孝子”反映出人们选择教育方式受到()的影响。
对于价格低廉、经常购买、品牌差异小的产品,消费者不需要花时间进行选择,也不需要经过搜集信息、评价产品特点等复杂过程,因此其购买行为最简单。消费者只是被动地接收信息,出于熟悉而购买,也不一定进行购后评价。这种购买行为属于()。
阅读下列说明,回答问题1至问题3,将解答填入答题纸的对应栏内。【说明】某企业拟建设涉密数据中心,作为企业信息系统的运行中心、灾备中心,承载着企业的核心业务运营、信息资源服务、关键业务计算、数据存储和备份,以及确保业务连续性等重要任务。该项目已由承建单位
下列程序的输出结果是【】。#includeusingnamespacestd;classBase{public:intm,n;Base(inti,intj):m(i),n(j){}
Sincethereissuchanabundanceoffoodinthesea,itisunderstandablethatsomeoftheefficient,highlyadaptable,warm-blo
【S1】【S5】
最新回复
(
0
)