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2023-09-20  61
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] The writer advises that before applying for a bank loan, the applicant should______.
选项 A、thoroughly prepare
B、do some market research
C、learn a lot about the bank
D、know the upper limit of the loan
答案 A
解析 细节推断题。由关键词before applying for a bank loan定位到最后一段。作者在第三段中分析了小型公司申请贷款遭到拒绝的原因，然后在最后一段提出了自己的建议：最重要的事情是存申请贷款之前作好准备工作。换句话说，贷款申请人应该作好充分的准备。A)thoroughly prepare“充分地准备”是对原文中的do your homework“做好功课”的同义转述，由此可以确定A)“充分地准备”为本题的答案。
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