Question

【題目】閱讀下列短文，從所給的四個(gè)選項(xiàng)中，選出最佳選項(xiàng)。
A
Borrowing to start a business is not easy. Getting a bank loan, particularly for a new small business, is like going through the eye of a needle.
Banks favor established-business people with a solid credit rating and a large bank account. They should also have experience in the business they propose to enter, and offer well-prepared business plans that show the ability to repay the loans. If you are not such a person, then you need to double your preparations to convince the banker to lend you that much needed start-up capital（資金）. If your business is new and small, bankers will need to know as much as possible about you and your business. However, many small business owners often make the mistake of not being well prepared when going to the bank to apply for the loan. Surprisingly, many loan applicants don't even have the slightest idea how or when they intend to repay the money they request. Often they don't even know how much money they need. When asked how much money they want to borrow, many people give these two common responses: “How much money can I get?” and “As much as possible.” Is it any wonder that lenders say no? So the most important thing is do your homework before you ask for a loan.
（1）By saying “Getting a bank loan.., is like going through the eye of a needle”, the writer emphasizes ______.
A.the ability to borrow from a bank
B.the importance of borrowing money
C.the difficulty of getting a bank loan
D.the start-up of a new small business
（2）Banks prefer to give a loan to those who ______.
A.are in need of start-up capital
B.have the ability to pay it back
C.own an old and large business
D.haven't borrowed money before
（3）Some small businesses fail to get a bank loan because ______.
A.the form they fill in is incomplete
B.their products are not technically advanced
C.the amount of money they want to borrow is too big
D.they have no clear idea of how much they need to borrow
（4）The writer advises that before applying for a bank loan, the applicant should ____.
A.thoroughly prepare
B.do some market research
C.learn a lot about the bank
D.know the upper limit of the loans

Answer 1

【答案】
（1）C
（2）B
（3）D
（4）A
【解析】文章主要講述的是借錢(qián)創(chuàng)業(yè)是一件不容易的事情，有些人在準(zhǔn)備資金時(shí)向銀行借錢(qián)，而銀行需要知道你是否有能力擔(dān)負(fù)這些債務(wù)。還有許多小企業(yè)主經(jīng)常犯的錯(cuò)誤，沒(méi)有做好準(zhǔn)備時(shí)，要向銀行申請(qǐng)貸款，也不知道自己要借錢(qián)多少，只知道盡可能多的借錢(qián)。
（1）C詞義猜測(cè)題。從文章第一段第一句話“Borrowing to start a business is not easy.”可知，在第1段中，第1句開(kāi)頭的borrowing和第2句開(kāi)頭的getting a bank loan其實(shí)是同義詞，都表示“從銀行借錢(qián)”，第2句中間的particularly表明第2句的內(nèi)容是對(duì)第1句內(nèi)容的遞進(jìn)，由此關(guān)系推斷第2句通過(guò)一個(gè)比喻的說(shuō)法(借貸就像穿針眼)說(shuō)明向銀行借貸有多難，即第1段兩句都是為了說(shuō)明借貸的“難度”的，因此，本題應(yīng)選選項(xiàng)C。故選C。
（2）B細(xì)節(jié)理解題。本題詢問(wèn)“銀行更愿意把錢(qián)借給誰(shuí)?”第2段第1句和第2句提到了銀行愿意給哪些商人貸款，這兩句提到了這些商人具有的幾個(gè)特點(diǎn)：地位穩(wěn)固、信譽(yù)良好、在銀行開(kāi)有大賬戶，有相關(guān)經(jīng)驗(yàn)，有準(zhǔn)備好的經(jīng)營(yíng)計(jì)劃和有還貸能力等，選項(xiàng)B(有還款能力)就是其中之一，故該選項(xiàng)為本題答案。故選B。
（3）D細(xì)節(jié)理解題。本題詢問(wèn)小規(guī)模企業(yè)不能獲得銀行貸款的原因。第3段提到需要貸款的人常犯的錯(cuò)誤，其中有：他們不知道如何還貸、何時(shí)還貸，他們也不知道自己需要貸多少錢(qián)，這些錯(cuò)誤就是導(dǎo)致他們貸款失敗的原因，將本題選項(xiàng)的內(nèi)容與這幾點(diǎn)對(duì)比，即可發(fā)現(xiàn)選項(xiàng)D提到了其中的一個(gè)錯(cuò)誤，故選D。
（4）A細(xì)節(jié)理解題。本題詢問(wèn)“作者提議貸款申請(qǐng)人在申請(qǐng)銀行貸款前應(yīng)做什么”。根據(jù)最后一段的內(nèi)容可知，作者提議貸款申請(qǐng)人應(yīng)do your homework，即應(yīng)該好好地做準(zhǔn)備，因此，本題應(yīng)選選項(xiàng)A。故選A。