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M: (5)How did it go at the bank this morning?

W: Not well. My proposal was rejected.

M: Really? But why?

W: Bunch of reasons. (6)For starters, they said my credit history was not good enough.

M: Did they say how you could improve that?

W: Yes. They said that after five more years of paying my mortgage, then I would become a more viable candidate for a business loan. But right now, it's too risky for them to lend me money. They fear I will default on any business loan I'm given.

M: Well, that doesn't sound fair. (7)Your business idea is amazing. Did you show them your business plan? What did they say?

W: They didn't really articulate any position regarding the actual business plan. They simply looked my credit history and determined it was not good enough. They said the bank has strict guidelines and requirements as to who they can lend money to. And I simply don't meet their financial threshold.

M: (8)What if you asked for a smaller amount? Maybe you could gather capital from other sources. Smaller loans from more lenders?

W: You don't get it. It doesn't matter the size of the loan I asked for or the type of business I propose. That's all inconsequential. The first thing every bank will do is study how much money I have and how much debt I have before they decide whether or not to lend me any more money. If (7)I want to continue ahead with this dream of owning my own business, I have no other choice but to build up my own finances. I need around 20% more in personal savings and 50% less debt. That's all there is to it.

M: I see now. Well, it's a huge pity that they rejected your request, but don't lose hope. I still think that your idea is great and that you would turn it into a phenomenal success.

未听先知

预览四道题各选项,可以初步推测,对话内容与银行有关。

详解详析

5. What did the woman do this morning?

D)。对话一开始男士就问女士早上在银行的情况。由此可以判断,女士早上去银行了,答案为D)。


6. Why was the woman's proposal rejected?

B)。女士说自己的提议被否决了,男士问为什么,女士解释说,第一个原因就是银行认为她的信用记录不够好。因此答案为B)。


7. What is the woman planning to do?

C)。银行因担心女士会拖欠商业贷款而拒绝了她的提议,男士得知后说女士的商业构想很棒,问女士有没有给银行看她的商业计划。之后女士还提到,如果想继续自己创业的梦想,她别无选择,只能先加强自己的财务地位。由此可知,女士是打算创业的,答案为C)。


8. What does the man suggest the woman do?

B)。对话中男士向女士建议说,或许她可以通过其他渠道筹集资金,比如从几个不同的贷款机构申请贷款,每个机构申请的金额小一点。因此答案为B)。