2. 职称英语
  3. Borrowing to start a business is not easy. Getting a bank loan, particularly

Borrowing to start a business is not easy. Getting a bank loan, particularly

游客2024-06-27  46
问题     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. 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. [br] Some small businesses fail to get a bank loan because ______.
选项 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
答案 D
解析 事实判断题。本题询问小规模企业不能获得银行贷款的原因。第3段提到需要贷款的人常犯的错误，其中有：他们不知道如何还贷、何时还贷，他们也不知道自己需要贷多少钱，这些错误就是导致他们贷款失败的原因，将本题选项的内容与这几点对比，即可发现选项D提到了其中的一个错误，故本题应选D。
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