Frostbite国家银行的借贷部门的备忘录:
我们不应该批准那个希望开一家KK冰激凌连锁店的特许店的本地团体的借贷请求。Frostbite以其寒冷的冬天而闻名,而冷天气意味着冰激凌的销售不利。比如,虽然Frostbite是个有10000人的镇子,它却只有一家冰激凌店Frigid Cow。尽管缺乏竞争,Frigid Cow的净收入去年冬天下降了10%。
1. Other factors in deciding whether to give loan to a company such as the credit of the company should be considered.
2. Admittedly, the former and prospective performance of the company is also important when the bank have to make decision of whether or not should it give loan to a company. However, the author of the memorandum show no sufficient evidence to support his or her proposal that the bank should not give loan to Kool Kone chain of ice cream parlors.
3. The statistics last year does not necessarily denote the future trend.
1. 排除他因,净收入下降的原因是什么?可能是经营不好,草率定价,甚至正因为缺乏竞争导致了这些。
2. 寒冷冬天不等于没有夏天,也不等于夏天短暂。不能说明原因。
In this memorandum the loan department of Frostbite National Bank recommends against approval of a business loan to a local group that wants to open an ice cream parlor. In support of this decision the loan department points out that Frostbite has a reputation for cold winters and sales of ice cream decrease in cold weather. This latter point is buttressed by the fact that Frostbites only ice cream parlor suffered a 10 percent decline in net revenues the previous winter. The loan departments decision is questionable for the following reasons.
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