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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.
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 事实判断题。本题询问“银行更愿意把钱借给谁?”第二段第一句和第二句提到了银行愿意给哪些商人贷款，这两句提到了这些商人具有的几个特点：地位稳固、信誉良好、在银行开有大账户，有相关经验，有准备好的经营计划和有还贷能力等，选项B(有还款能力)就是其中之一，故该选项为本题答案。选项A(需要启动资金)、选项C(拥有历史悠久的大型企业)和选项D(以前从没借过钱)都没有原文依据。
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