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[originaltext]M: How did it go at the bank this morning?W: Not well. My propos
[originaltext]M: How did it go at the bank this morning?W: Not well. My propos
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2024-03-11
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问题
M: How did it go at the bank this morning?
W: Not well. My proposal was rejected.
M: Really? But why?
W: Bunch of reasons. For starters, they said my credit history was not good enough.
M: Did they say how you could improve that?
W: Yes. They said that after five more years of paying my mortgage, then I would become a more viable candidate for a business loan. But right now, it’s too risky for them to lend me money. They fear I will default on any business loan I’m given.
M: Well, that doesn’t sound fair. Your business idea is amazing. Did you show them your business plan? What did they say?
W: They didn’t really articulate any position regarding the actual business plan. They simply looked my credit history and determined it was not good enough. They said the bank has strict guidelines and requirements as to who they can lend money to. And I simply don’t meet their financial threshold.
M: What if you asked for a smaller amount? Maybe you could gather capital from other sources. Smaller loans from more lenders?
W: You don’t get it. It doesn’t matter the size of the loan I asked for or the type of business I propose. That’s all inconsequential. The first thing every bank will do is study how much money I have and how much debt I have before they decide whether or not to lend me any more money. If I want to continue ahead with this dream of owning my own business, I have no other choice but to build up my own finances. I need around 20% more in personal savings and 50% less debt. That’s all there is to it.
M: I see now. Well, it’s a huge pity that they rejected your request, but don’t lose hope. I still think that your idea is great and that you would turn it into a phenomenal success.
Questions 5 to 8 are based on the conversation you have just heard.
5. What did the woman do this morning?
6. Why was the woman’s proposal rejected?
7. What is the woman planning to do?
8. What does the man suggest the woman do?
选项
A、Seek advice from an expert about fundraising.
B、Ask for smaller loans from different lenders.
C、Build up her own finances step by step.
D、Revise her business proposal carefully.
答案
B
解析
事实细节题。对话中男士向女士建议说,或许她可以通过其他渠道筹集资金,比如从几个不同的贷款机构申请贷款,每个机构申请的金额小一点。
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