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  3. Borrowing to start a business is not easy. Getting a bank loan, particularly for a new small business, is like going through the

Borrowing to start a business is not easy. Getting a bank loan, particularly for a new small business, is like going through the

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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 to do your homework before you ask for a loan.
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 事实细节题。本题询问“作者提议贷款申请人在申请银行贷款前应作什么”。根据最后一段的内容可知，作者提议贷款申请人应do your homework，即应该好好地作准备，因此，本题应选选项A。最后一段的do your homework并没有限定作哪一方面的准备，可见，作者提议要作“全面的”准备，而选项B(做市场调查)、选项C(多多了解银行的情况)和选项D(了解贷款的上限)都只是在某个特定的方面作准备，范围过窄。
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