Question

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（资金）. 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.C

2.B

3.D

4.A

【解析】

试题分析：文章主要讲述的是借钱创业是一件不容易的事情，有些人在准备资金时向银行借钱，而银行需要知道你是否有能力担负这些债务。还有许多小企业主经常犯的错误，没有做好准备时，要向银行申请贷款，也不知道自己要借钱多少，只知道尽可能多的借钱。

1.C词义猜测题。从文章第一段第一句话“Borrowing to start a business is not easy.”可知，在第1段中，第1句开头的borrowing和第2句开头的getting a bank loan其实是同义词，都表示“从银行借钱”，第2句中间的particularly表明第2句的内容是对第1句内容的递进，由此关系推断第2句通过一个比喻的说法(借贷就像穿针眼)说明向银行借贷有多难，即第1段两句都是为了说明借贷的“难度”的，因此，本题应选选项C。故选C。

2.B细节理解题。本题询问“银行更愿意把钱借给谁?”第2段第1句和第2句提到了银行愿意给哪些商人贷款，这两句提到了这些商人具有的几个特点：地位稳固、信誉良好、在银行开有大账户，有相关经验，有准备好的经营计划和有还贷能力等，选项B(有还款能力)就是其中之一，故该选项为本题答案。故选B。

3.D细节理解题。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，故选D。

4.A细节理解题。本题询问“作者提议贷款申请人在申请银行贷款前应做什么”。根据最后一段的内容可知，作者提议贷款申请人应do your homework，即应该好好地做准备，因此，本题应选选项A。故选A。

考点：考查故事类阅读