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  3. In contrast to traditional analyses of minority business, the sociological analysis contends that minority business ownership is

In contrast to traditional analyses of minority business, the sociological analysis contends that minority business ownership is

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问题     In contrast to traditional analyses of minority business, the sociological analysis contends that minority business ownership is a group-level phenomenon, in that it is largely dependent upon social-group resources for its development. Specifically, this analysis indicates that support networks play a critical role in starting and maintaining minority busi- ness enterprises by providing owners with a range of assistance, from the informal encouragement of family members and friends to dependable sources of labor and clientele from the owner’s ethnic group. Such self-help networks, which encourage and support ethnic minority entrepreneurs, consist of "primary" institutions, those closest to the individual in shaping his or her behavior and beliefs. They are characterized by the face-to-face association and cooperation of persons united by ties of mutual concern. They form an intermediate social level between the individual and larger "secondary" institutions based on impersonal relationships. Primary institutions comprising the support network include kinship, peer,and neighborhood or community subgroups.  A major function of self-help networks is financial support. Most scholars agree that minority business owners have depended primarily on family funds and ethnic community resources for in- vestment capital. Personal savings have been accumulated, often through frugal living habits that require sacrifices by the entire family and are thus a product of long-term family financial behavior. Additional loans and gifts from relatives, forthcoming because of group obligation rather than narrow investment calculation, have supplemented personal savings. Individual entre- preneurs do not necessarily rely on their kin because they cannot obtain financial backing from commercial resources. They may actually avoid banks because they assume that commercial institutions either cannot comprehend the special needs of minority enterprise or charge unreasonably high interest rates.
    Within the larger ethnic community, rotating credit associations have been used to raise capital. These associations are informal clubs of friends and other trusted members of the ethnic group who make regular contributions to a fund that is given to each contributor in rotation. One author estimates that 40 percent of New York Chinatown firms established during 1900-1950 utilized such associations as their initial source of capital. However, recent im- migrants and third or fourth generations of older groups now employ rotating credit associations only occasionally to raise investment funds. Some groups, like Black Americans, found other means of financial support for their entrepreneurial efforts. The first Black-operated banks were created in the late nineteenth century as depositories for dues collected from fraternal or lodge groups, which themselves had sprung from Black churches. Black banks made limited investments in other Black enterprises. Irish immigrants in American cities organized many building and loan associations to provide capital for home construction and purchase. They in turn, provided work for many Irish home-building contractor firms. Other ethnic and minority groups followed similar practices in founding ethnic-directed financial institutions.
Which of the following illustrates the working of a self-help support network, as such networks are described in the passage?
选项 A、A public high school offers courses in book-keeping and accounting as part of its open-enrollment adult education program.
B、The local government in a small city sets up a program that helps teenagers find summer jobs.
C、A major commercial bank offers low-interest loans to experienced individuals who hope to establish their own businesses.
D、A neighborhood-based fraternal organization develops a program of on-the-job training for its members and their friends.
E、A community college offers country residents training programs that can lead to certification in a variety of technical trades.
答案D
解析 哪一个类似于文中对互助网的描述?先看主体词，确认符合第一段叙述的只有D。D．邻里基础上的互助协会举办职业培训。正确。A．公共高中B．地方政府C．大银行E．学院。显然违反第一段的叙述。
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