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.

单选题 By saying "Getting a bank loan... is like going through the eye of a needle", the writer emphasizes______.

【正确答案】 C

【答案解析】语义理解题。由关键词“Getting a bank loan…is like going through the eye of a needle”定位到文章第一段。定位段指出，借贷创业并非易事，然后使用了明喻的修辞手法，把借贷比喻成“穿过针眼”。众所周知，针眼非常小，穿过针眼是极为困难的。由此可见，作者把借贷比喻成“穿过针眼”是为了强调从银行借贷的难度非常大，故C)“获得银行贷款的困难”为本题的答案。

单选题 Banks prefer to give a loan to those who______.

【正确答案】 B

【答案解析】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。

单选题 What will bankers do before they give a loan to a new and small business?

【正确答案】 C

【答案解析】事实细节题。由关键词a new and small business定位到文章第二段最后一句。定位句指出，如果那些刚刚创建的小型公司申请贷款，那么银行需要尽可能多地了解公司老板和公司的情况。换句话说，在批准向刚刚创建的小型公司发放贷款之前，银行会了解关于公司的足够多的信息。C)Get enough information about the business是对定位句中的know as much as possible about you and your business的同义转述，由此确定C)“获得关于公司的足够多的信息”为本题的答案。

单选题 Some small businesses fail to get a bank loan because______.

【正确答案】 D

【答案解析】事实细节题。由关键词get a bank loan定位到第三段。定位段开头指出，许多小型公司的所有人在申请贷款时犯了准备不足的错误。第三句具体指出了一个错误：许多申请人甚至不知道需要借贷多少钱。本段最后一句用反问的句式指出了这样做的结果：贷款申请遭到银行的拒绝。由此可见，许多小型公司没有得到银行贷款的原因在于自身准备不足，甚至连贷款数额都不清楚。D)中的have no clear idea是对定位段第三句中的don’t even know的同义转述。南此可以确定D)“他们不知道需要借贷多少钱”为本题的答案。

单选题 The writer advises that before applying for a bank loan, the applicant should______.

【正确答案】 A

【答案解析】细节推断题。由关键词before applying for a bank loan定位到最后一段。作者在第三段中分析了小型公司申请贷款遭到拒绝的原因，然后在最后一段提出了自己的建议：最重要的事情是存申请贷款之前作好准备工作。换句话说，贷款申请人应该作好充分的准备。A)thoroughly prepare“充分地准备”是对原文中的do your homework“做好功课”的同义转述，由此可以确定A)“充分地准备”为本题的答案。