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2024-06-22  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-prcparcd 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 事实细节题。由关键词get a bank loan定位到第三段。定位段开头指出，许多小型公司的所有人在申请贷款时犯了准备不足的错误。第三句具体指出了一个错误：许多申请人甚至不知道需要借贷多少钱。本段最后一句用反问的句式指出了这样做的结果：贷款申请遭到银行的拒绝。由此可见，许多小型公司没有得到银行贷款的原因在于自身准备不足，甚至连贷款数额都不清楚。D)中的have no clear idea是对定位段第三句中的don’t even know的同义转述。南此可以确定D)“他们不知道需要借贷多少钱”为本题的答案。
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