[고2] 2025년 6월 모의고사 23번 - 지문 구성, 그림 설명, 원문 비교

[고2] 2025년 06월 – 23번: 보상이 가까울수록 더 큰 가치를 부여하는 쌍곡형 할인 현상

 

Would you rather receive $1,000 in a year or $1,100 in a year and a month? Most people will opt for the larger sum in thirteen months ─ where else will you find a monthly interest rate of 10 percent. A wise choice, since the interest will compensate you generously for any risks you face by waiting the extra few weeks. Second question: Would you prefer $1,000 today cash on the table or $1,100 in a month? If you think like most people, you'll take the $1,000 right away. This is amazing. In both cases, if you hold out for just a month longer, you get $100 more. In the first case, it's simple enough. You figure: "I've already waited twelve months; what's one more?" Not in the second case. The introduction of "now" causes us to make inconsistent decisions. Science calls this phenomenon hyperbolic discounting. The closer a reward is, the higher our "emotional interest rate" rises and the more we are willing to give up in exchange for it.

 

 

구분	내용 설명	원문
예시	12개월 후 1000달러를 받을지 아니면 13개월 후 1100달러를 받을지 선택하는 경우, 대부분은 후자를 선택하며, 이는 10% 이자를 얻는 합리적 선택이다.	Would you rather receive $1,000 in a year or $1,100 in a year and a month? Most people will opt for the larger sum in thirteen months ─ where else will you find a monthly interest rate of 10 percent. A wise choice, since the interest will compensate you generously for any risks you face by waiting the extra few weeks.
예시	지금 1000달러 받을지와 한 달 뒤 1100달러를 받을지 선택하는 경우에는 대부분 즉시 1000달러를 받는 것을 선택한다.	Second question: Would you prefer $1,000 today cash on the table or $1,100 in a month? If you think like most people, you'll take the $1,000 right away.
전환	두 상황 모두 한 달만 더 기다리면 100달러를 더 받을 수 있다.	This is amazing. In both cases, if you hold out for just a month longer, you get $100 more. In the first case, it's simple enough. You figure: "I've already waited twelve months; what's one more?"
문제 제기	'지금'이라는 단어가 들어가면 사람들은 일관성을 잃고 다른 결정을 내린다.	Not in the second case. The introduction of "now" causes us to make inconsistent decisions.
개념 정의	이 현상을 과학에서는 쌍곡형 할인(과도한 미래가치 폄하)이라 부르며 보상이 가까울수록 감정적 이자율이 높아진다.	Science calls this phenomenon hyperbolic discounting. The closer a reward is, the higher our "emotional interest rate" rises and the more we are willing to give up in exchange for it.

 

 

번호	문제 지문	원문 지문
1	Would you rather receive $1,000 in a year or $1,100 in a year and a month?	Would you rather receive $1,000 in a year or $1,100 in a year and a month?
2	Most people will opt for the larger sum in thirteen months ─ where else will you find a monthly interest rate of 10 percent.	Most people will opt for the larger sum in thirteen months - where else will you find a monthly interest rate of 10 % (or 120 % per annum!).
3	A wise choice, since the interest will compensate you generously for any risks you face by waiting the extra few weeks.	A wise choice, since the interest will compensate you generously for any risks you face by waiting the extra few weeks.
4	Second question: Would you prefer $1,000 today cash on the table or $1,100 in a month?	Second question: would you prefer $1,000 today cash on the table or $1,100 in a month?
5	If you think like most people, you'll take the $1,000 right away.	If you think like most people, you'll take the $1,000 straight away.
6	This is amazing.	This is amazing.
7	In both cases, if you hold out for just a month longer, you get $100 more.	In both cases, if you hold out for just a month longer, you get $100 more.
8	In the first case, it's simple enough.	In the first case, it’s simple enough.
9	You figure: "I've already waited twelve months; what's one more?"	You figure: ‘I’ve already waited twelve months; what’s one more?’
10	Not in the second case.	Not in the second case.
11	The introduction of "now" causes us to make inconsistent decisions.	The introduction of ‘now’ causes us to make inconsistent decisions.
12	Science calls this phenomenon hyperbolic discounting.	Science calls this phenomenon hyperbolic discounting.
13	The closer a reward is, the higher our "emotional interest rate" rises and the more we are willing to give up in exchange for it.	Put plainly, the closer a reward is, the higher our ‘emotional interest rate’ rises and the more we are willing to give up in exchange for it.
14		The majority of economists have not yet grasped that we respond so subjectively and inconsistently to interest rates.
15		Their models still depend on constant interest rates and are correspondingly questionable.

 

* 원문 참고 어휘

• 10 % (or 120 % per annum!) 연 10 %(또는 연 120 %)
• straight away 즉시 (= right away)
• Put plainly 쉽게 말해
• majority 대다수 (= most)
• grasp 이해하다 (= understand)
• subjectively 주관적으로
• inconsistently 일관성 없이
• constant 일정한
• correspondingly 상응하게
• questionable 의심스러운

 

 

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