【OG24-652题】Enterprise Bank currently requires customers with checking accounts to maintain a minimum balance or pay a monthly fee. Enterprise plans to offer accounts with no monthly fee and no minimum-balance requirement; to cover their projected administrative costs of $3 per account per month they plan to charge $30 for overdrawing an account. Since each month on average slightly more than 10 percent of Enterprises customers overdraw their accounts, bank officials predict the new accounts will generate a profit.Which of the following, if true, most strongly supports the bank officials prediction?_mofa留学圈mofaGRE在线题库系统_GRE在线搜题_GRE题库解析_GRE真题机经_GRE课程_GRE培训机构

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Enterprise Bank currently requires customers with checking accounts to maintain a minimum balance or pay a monthly fee. Enterprise plans to offer accounts with no monthly fee and no minimum-balance requirement; to cover their projected administrative costs of $3 per account per month they plan to charge $30 for overdrawing an account. Since each month on average slightly more than 10 percent of Enterprises customers overdraw their accounts, bank officials predict the new accounts will generate a profit.

Which of the following, if true, most strongly supports the bank officials prediction?

Some of Enterprise Bank's current checking account customers are expected to switch to the new accounts once they are offered. One third of Enterprise Banks revenues are currently derived from monthly fees tied to checking accounts. Many checking account customers who occasionally pay a fee for not maintaining a minimum balance in their account generally maintain a balance well above the minimum. Customers whose checking accounts do not have a minimum-balance requirement are more likely than others to overdraw their checking accounts. Customers whose checking accounts do not have a minimum-balance requirement are more likely than others to write checks for small amounts .

正确答案： D

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题干翻译
企业银行计划提供无月费和无最低余额要求的账户。为覆盖每月每个账户3美元的预计管理成本，计划对账户透支收取30美元。因为平均每月略超10%的客户会透支账户，银行官员预测新账户将产生利润。 逻辑链
新账户→透支收费→利润 问题类型
增强题 推理过程
银行通过对透支客户收费来覆盖管理成本并盈利，需要找到能说明新账户模式下会有更多透支从而增加收入的选项。 选项分析
A选项：一些现有客户会转用新账户，未提及转用后是否透支，对盈利无直接影响，排除。 B选项：目前三分之一收入来自月费，与新账户靠透支收费盈利无关，排除。 C选项：偶尔因未达最低余额付费的客户通常余额远高于最低，和新账户透支及盈利无关联，排除。 D选项：无最低余额要求的客户比其他客户更可能透支账户，说明新账户（无最低余额要求）会有更多透支，增加收费可能，从而增强盈利预测，当选。 E选项：无最低余额要求的客户更可能小额支票，与透支及盈利无直接联系，排除。

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