2. 外语
  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-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.
Banks prefer to give a loan to those who______.
选项 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
答案B
解析 细节推断题。由关键词Banks和prefer定位到文章第二段第一句。定位句指出了银行青睐的借贷对象：拥有可靠的信贷等级和较多的银行账户资金的资深商务人士，由此可见，银行借贷时首先要考虑借贷者的偿还能力。题干中的prefer和定位句中的favor意思相同，B)have the ability to pay it back是对定位句中的with a solid credit rating and a large bank account的同义转述，由此可以确定B)“有偿还贷款的能力”为本题的答案。
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