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  3. Last year nearly one million Americans filed for bankruptcy. That is far fewer than the number who used to seek bankruptcy prote

Last year nearly one million Americans filed for bankruptcy. That is far fewer than the number who used to seek bankruptcy prote

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问题    Last year nearly one million Americans filed for bankruptcy. That is far fewer than the number who used to seek bankruptcy protection before the law was made tougher a decade ago. This reform may have done more harm than good. The aim of bankruptcy law is to give people relief from unpayable debts. Some two-thirds of individual bankruptcies are due to a lost job. Many bankrupts need time to get back on their feet. In the mid-2000s Chapter 7 rules made it easy to wash away debts. That irritated credit-card firms, which claimed that spendthrifts abused the system; so in 2005 the law was toughened. The idea was to shift people to a Chapter 13 bankruptcy, where they would have to repay some of the debt.
   The reform had a big impact. At least at first, Chapter 13 filings rose relative to Chapter 7 ones. And a new paper, from Stefania Albanesi, of the New York Federal Reserve, and Jaromir Nosal, of Columbia University, finds that the reform led to a permanent drop in the bankruptcy rate.
   However, other recent research suggests that this is not necessarily a good thing. Will Dobbie, of Princeton University, and Jae Song, of the Social Security Administration, look at Chapter 13 bankruptcies before the reforms of 2005. They link half a million bankruptcy filings to tax records and use a novel technique to analyse them. Because some bankruptcy judges are more merciful than others, people in similar straits may end up with different bankruptcy decisions. This quirk allows some useful comparisons.
   Messrs Dobbie and Song argue that easier bankruptcy laws have good microeconomic effects. If a creditor may no longer claim large chunks of a bankrupt’s salary, that may increase his incentive to work—and decrease his need to slip out of town, change his job and close down his bank account. On average, those granted bankruptcy earned over 6,000 more in the subsequent year than similarly-placed plaintiffs who were rejected. The unlucky ones found it trickier to service their mortgages. Michelle White of the University of California, San Diego and colleagues found that bankruptcy reform caused the default rate on prime mortgages to rise 23%.
   Making consumer-bankruptcy law more debtor-friendly could hit Americans in other ways. If lenders are exposed to bigger losses, some argue, interest rates for such things as creditcards are bound to rise. But that danger can be overstated. Credit-card companies may be reluctant to charge rates higher than their competitors’ lest they attract more customers—those not put off by high rates because they know that, with luck, they won’t have to pay their debts back.
Dobbie and Song believe that easier bankruptcy laws______.
选项 A、may stimulate the debtors
B、will do more harm than good
C、may increase bankers’ incentive
D、will raise people’s average salary
答案A
解析 观点题。根据题干定位到第四段前两句：Messrs Dobbie and Song argue that easier bankruptcy laws have good microeeonomic effects．If a creditor may no longer claim large chunks of a bankrupt’s salary，that may increase his incentive to work…这两句都是答案句的范围。其中，good、increase等词都是正向词汇，选项[B]will do more harm than good“弊大于利”，其中do more harm是明显的负面词汇，与原文不符，故可以排除该项。选项[C]may increase bankers’incentive“可能激励银行家”：原文说的是increase his(指a bankrupt“破产者”)incentive；故该项属于偷换概念。选项[D]will raise people’s average salary“将会提高人们的平均工资”；该项对应On average，those granted bankruptcy earned over 6，000 more…原文说的是提高a bankrupt“破产者”的收入，而非“people”，people一词夸大范围，也属于偷换概念。选项[A]may stimulate the debtors“可能激励债务人”；该项与原文increase his(the bankrupt’s)incentive to work相符：其中，stimulate“激励”=increase incentive“激励”；debtor“债务人”=bankrupt“破产者”：与原文是同义替换关系，故为正确答案。
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