题目内容
（请给出正确答案）
A、In methods
B、In conclusion
C、In abstract
D、This article did not give a specific result
简答题官方参考答案
（由简答题聘请的专业题库老师提供的解答）
更多“8. In which part that the study results can be found in this article？”相关的问题
A、descriptive.
B、claims about how the world should be.
C、claims about how the world is.
D、made by economists speaking as scientists.
A、prepayments
B、accounts receivable
C、inventory
D、marketable securities
•For each question 13--18, mark one letter (A, B, C, or D) on your Answer Sheet for the answer you choose.
HOW DO AMERICAN CONSUMERS BORROW？
Young consumers often have not established their credit ratings. Many do not have steady incomes. They might have difficulty borrowing money from an agency in business to make loan. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have money available and be willing to lend it. You might even get an interest-free loan.
For most consumers the cheapest place to borrow is at the commercial bank. Banks are a good source of installment loan which may run for 12 months up to 30. Most of banks also make single-payment loans to consumers for short periods--30, 60, or 90 days. The newest type of bank loan is one that a depositor can get simply by writing a check. It works like this. A depositor is given a limited amount of credit, usually between $ 500 and $1, 000. He or she may write checks up to the amount allowed. Once a check has been written, the amount of the check becomes a loan. Usually no charge is made for interest until the loan is made. A typical interest rate is 3 cents per $100 per day, or just under 1% a month. Suppose that you used $100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.
There is another source of consumer loans that may be even cheaper than a bank. It is a credit union. But you have to be a member to borrow from one. A credit union is a cooperative. You remember that a cooperative is a business organized to provide its owners, or members, with goods or services at a saving. Like a bank, a credit union is both a savings and a lending organization. Its members deposit their savings in the credit union and are paid interest in return. These savings are used to make loans to members at low rates. Members of a credit union are people with a common bond. They may work for the same firm or belong to the same church, lodge, or labor union.
Consumer loans are small in amount compared to those made to business firms. Companies that specialize in making loans to consumers, therefore, are sometimes called small-loan companies. These companies operate under state laws which regulate both the maximum amount that can be loaned and the rates charged. Regulations vary from one state to another. In general, however, the rates charged by small-loan companies are higher than those of other legal lenders except pawnbrokers. The following facts should tell you why.
Half or more of the loans made by small-loan companies are signature of character loans. Practically all loans are paid in installments. In some states, small-loan companies will lend as little as $ 25 or $ 50. Many of their customers are persons whose credit ratings are so poor that they cannot borrow elsewhere.
Another possible source of loans is a life insurance policy. Life insurance loans are easy to obtain. The rate charged is less than that for almost any other type of loan available to consumers. This is because the lender takes no risk. Also, borrowers may take as long as they want to repay their loans. Although that may seem like an advantage, it can also be a disadvantage. When a borrower is not required to repay a loan within a certain time, it is easy to let it run on and on. This increases the dollar cost of the loan because interest must be paid for as long as the loan continues.
Why is it difficult for young consumers to borrow money from bank？
A．Because they have no steady work and can't register a credit card.
B．Because they drag out the loan.
C．Because they are unlikely to pay the things purchased by credit.
D．Because they are unwilling to pay interest.
| A certain student passed all his examinations. Then he went to college to21his studies. There he wrote down his22for a course in English, but after the first23, he didn’t go to it any more. The English lecturer24_this student was always absent (缺席的) and thought he had25_to another course, so he was26when he saw the boy’s name on the list of students who wanted to take the English27at the end of this year. The lecturer had28 a difficult paper, which followed his 29closely, and he was eager (热切的) to see30this student would answer the questions. He31__the boy’s answers would be very bad, but when they32him and he examined them33, he was able to find only one small mistake in them. As this surprised him greatly, he34the paper repeatedly but still couldn’t find more than one mistake, so he35for the student to question him about it. When he came and sat down, the lecturer asked him, “I36you came to my first lecture and you’ve been absent from all the others. But I’ve examined your37carefully and I’ve found only one small mistake in it. I’m curious (好奇的) to know your38.” “I’m very39about that mistake,” answered the student. “After the examination, I40what I should have done. I would not have made that mistake if I had not been confused by your first lecture.”
|
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