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  3. What would you rather lose: your house or your car? 【F1】In America, where a car is usually essential to get to work, many borrow

What would you rather lose: your house or your car? 【F1】In America, where a car is usually essential to get to work, many borrow

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问题    What would you rather lose: your house or your car? 【F1】In America, where a car is usually essential to get to work, many borrowers would sooner lose their house, which explains why in the years after the crisis, mortgages were more likely to go bad than car loans. It also explains why auto loans, unlike mortgages, are booming. New loans reached 371 billion in the year to June, up 7.4% from the previous year and 64% since seven years ago. Auto loans, made to the riskiest borrowers, have grown even faster, by 93% since seven years ago.
   【F2】This growth is due to rising car sales and ample credit as banks, finance companies and carmakers’ financing arms compete to lend to consumers, either directly or via car dealers. Those loans are then packaged into securities for yield-hungry investors. Experian, a credit-scoring agency, reckons 85% of new and 54% of used cars are now bought with loans, compared to 79% and 52% nine years ago.
   【F3】A car loan is a complex transaction that hinges not .just on the price of a car, but also on its trade-in value, extras such an extended guarantee or rust proofing, and most important, the interest rate. A dealer typically selects a quote from a bank or finance company via his computer and marks it up. The higher the markup, the greater the payment he receives from the lender.
   【F4】Consumer advocates are bothered that this process leaves the unsophisticated—as customers with bad credit rating tend to be—at the mercy of unscrupulous dealers. They may be charged a higher rate despite qualifying for a lower one, sold unneeded or overpriced extras, or even told, a few days after they drive off with the car, that their loan was turned down and they must pay a higher rate. "None of the prices are fixed, and each unfixed price is a potentially offensive negotiating point," says Tom Domonoske, a lawyer who represents hurt buyers. Consumer advocates would like markups replaced with a flat fee.
   【F5】The Consumer Financial Protection Bureau (CFPB), a new watchdog agency set up after the financial crisis, is also worried that lots of borrowers get a raw deal. It considers dealers’ discretion over markups an invitation to discrimination. Dealers are fuming at the CFPB’s muscle-flexing. Competition, they say, ensures that customers get the best rate; dealers need discretion to compete. By raising costs, stricter regulation may actually reduce the amount of credit available.
【F2】
选项
答案之所以有这个涨势，一方面是因为汽车销量提高了，另一方面是因为银行、金融公司和汽车制造商的财务部门以直接的或间接通过汽车经销商的方式，争先为消费者提供巨额贷款。
解析 ①本句为主从复合句，带有as引导的原因状语从句，说明出现大量贷款的原因。②主句中表语due to sth．指出造成这个涨势(This growth)的两个原因，分别是rising car sales和ample credit。③原因状语从句的主语是三个并列的名词，分别是banks、finance companies和carmakers’financing arms；句末的插入语either directly or via car dealers是补充说明他们为消费者提供贷款的方式，即“直接提供或通过汽车经销商提供”。
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