Such loans with good repayment prospects are called "hard loans".()

更多“Such loans with good repayment…”相关的问题

第1题

Banks will usually grant unsecured loans to ______.A．individuals with steady job held for

Banks will usually grant unsecured loans to ______.

A．individuals with steady job held for years

B．individuals with a good credit record

C．large commercial companies with a strong financial condition

D．all of the above

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第2题

单句理解听力原文：Collateral can never make a bad loan good, but it can turn a good loan in

单句理解

听力原文：Collateral can never make a bad loan good, but it can turn a good loan into a better one.

(1)

A．Collateral sometimes turns a bad loan into a good one.

B．Good loans can be turned into better loans with collaterals.

C．Collateral can turn a good loan into a bad one.

D．Collateral can turn a bad loan into a worse one.

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第3题

Peter Chang is an employee of the U. S. Department of Agriculture in the northern sect

ion of the San Joaquin Valley in California-one of the most productive agricultural areas in the world. Recently, Peter was promoted to the position of agricultural loan clerk.

In his new position, he has many reports to read-reports from farmers who are applying for loans; status reports from farmers who have received loans; and reports from his employer, the federal government, on new loan programs.

After reading so many reports, Peter wonders,“Why are reports so different？"Some are long, some are short. Some are simple, some are complex. Some are easy to read, some are difficult to read. Some are coherent， some are. not. Some make recommendations, some do not. Why are reports so different？

1.The San Joaquin Valley in California is one of the most().

A.famous industrial areas

B.popular tourist attractions

C.productive agricultural areas

2. What does Peter do in his new position？ ()

A.He reads many reports from several aspects

B.He writes many reports for farmers and banks

C.He is in charge of investment and marketing

3. Why the farmers write reports to Peter？()

A.To make conclusions

B.To apply for loans

C.To do business with him

4. From reading reports, Peter finds that().

A.most of the reports are well written

B.farmers are good at writing reports

C.the reports show great difference

5.What do you think the author will talk later？()

A.The difficulty of the farmers

B.The position of Peter' s supervisor

C.The reasons causing difference of reports

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第4题

Diana Jacobs thought her family had a workable plan to pay for college for her 21-year

-old twin sons: a combination of savings, income, scholarships, and a modest amount of borrowing.Then her husband lost his job, and the plan fell apart.

“I have two kids in college, and I want to say ‘come home,’ but at the same time I want to provide them with a good education,” says Jacobs.

The Jacobs family did work out a solution: They asked and received more aid from the schools, and each son increased his borrowing to the maximum amount through the federal loan (贷款 ) program.They will each graduate with $20,000 of debt, but at least they will be able to finish school.

With unemployment rising, financial aid administrators expect to hear more families like the Jacobs.More students are applying for aid, and more families expect to need student loans.College administrators are concerned that they will not have enough aid money to go around.

At the same time, tuition (学费) continues to rise.A report from the National Center for Public Policy and Higher Education found that college tuition and fees increased 439% from 1982 to 2007, while average family income rose just 147%.Student borrowing has more than doubled in the last decade,

“If we go on this way for another 25years, we won’t have an affordable system of higher education,” says Patrick M.Callan, president of the center.“The middle class families have been financing it through debt.They will send kids to college whatever it takes, even if that means a huge amount of debt.”

Financial aid administrators have been having a hard time as many companies decide that student loans are not profitable enough and have stopped making them.The good news, however, is that federal loans account for about three quarters of student borrowing, and the government says that money will flow uninterrupted.

51.According to Paragraph 1 why did the plan of Jacobs family fail？

A、The family fell apart .

B、 The tuition was raised.

C、Their saving ran out .

D、The father was out of work.

52.How did the Jacobs manage to solve their problem？

A、They got help from the school and the federal government.

B、They borrowed a large sum of money from the school.

C、They encouraged their twin sons to do part-time jobs.

D、 They told their children to drop out from the school.

53.Financial aid administrators believe that _______.

选项格式A、college tuition fees will double in the next decade

B、the government will receive more letters of complaint

C、more families will face the same problem as the Jacobs

D、they will have enough money to support poor students

54.What can we learn about the middle class families from the passage？

A、They blamed the government for the college tuition increase.

B、The earn enough to support their kids ’ college education.

C、They will try their best to send kids to college.

D、Their debts will be paid off within a decade.

55.According to the last paragraph, the government will .

A、provide most students with scholarships

B、cut down financial aid to college students

C、stop the companies from making student loans

D、go on providing financial support for college students

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第5题

Diana Smith thought her family had a workable plan to pay for college for her 21-year

-old twin sons: a combination of savings, income, scholarships, and a modest amount of borrowing.Then her husband lost his job, and the plan fell apart.

“I have two kids in college, and I want to say “come home,” but at the same time I want to provide them with a good education,” says Diana.

The Smith family did work out a solution: They asked and received more aid from the school, and each son increased his borrowing to the maximum amount through the federal loan (贷款) program.They will each graduate with a $20,000 debt, but at least they will be able to finish school.

With unemployment rising, financial aid administrators expect to see more families like the Smiths.More students are applying for aid, and more families expect to need student loans.College administrators are concerned that they will not have enough aid money to go around.

At the same time, tuition (学费)continues to rise.A report from the National Center for Public Policy and Higher Education found that college tuition and fees increased 439% from 1982 to 2007, while average family income rose just 147%.Student borrowing has more than doubled in the last decade.

“If we go on this way for another 25 years, we won’t have an affordable system of higher education,” says Patrick M.Callan, president of the center.“The middle class families have been financing it through debt.They will send kids to college whatever it takes, even if that means a huge amount of debt.”

16.According to Paragraph 1, why did the Smith family’s plan fail？()

A.The twins wasted too much money

B.The father was out of work

C.Their sayings ran out

D.The family fell apart

17.How did the Smiths manage to solve their problem？()

A.They asked their kids to come home

B.They borrowed $20,000 from the school

C.They encouraged their twin sons to do part-time jobs

D.They got help from the school and the federal government

18.Financial aid administrators believe that _____.

A.more families will face the same problem as the Smiths

B.the government will receive more letters of complaint

C.college tuition fees will double soon

D.America’s unemployment will fall

19.What can we learn about the middle class families from the text？()

A.They blamed the government for the tuition increase

B.Their income remained steady in the last decade

C.They will try their best to send kids to college

D.Their debts will be paid off within 25 years

20.According to the last paragraph, the government will _____.

A.provide most students with scholarships

B.dismiss some financial aid administrators

C.stop the companies from making student loans

D.go on providing financial support for college students

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第6题

Mr MacCallan read Franco' s financial statement. The assets include a lot of pri

me realestate. The land alone is worth ￡235,000, and on this land the restaurant is worth more than ￡158, 000. Franco has a very high cash flow with more than ￡ 15,000 going in and outevery month, but not much extra left over at the end of each month. Since there is only alittle left. then he wouldn I t have enough to pay the interest on a loan.

"Why don't you apply for a mortgage？" Mr MacCallan suggested. "The restaurant is good collaeral, isn't it？ So you would easily get a mortgage of ￡ 100, 000." He also suggested a start-up loan that has 0 % interest for the first five years. "Start-up loans are suitable for businesses that need high investment without any strings attached." he explained.

Franco decided to apply for both. Then he would be able to expand the restaurant.

(1) What did Franco want to do？

A. To deposit some money.

B. To save some money.

C. To borrow some money.

(2) What does the financial statement say？

A. The land size.

B. The land value.

C. The land price.

(3) How much are Franco' s expenditures each month？

A. Just less than income.

B. The same as income.

C. More than income.

(4) What did the manager suggest？

A. A mortgage.

B. A loan.

C. Both ‘A' and ‘B'

(5) What will a start-up loan give Franco？

A. No mortgage.

B. Spending money.

C.More interest.

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第7题

根据以下内容回答下列各题 Is College a Worthy Investment？ A．Why are we spending so much m

oney on college？ Andwhy are we so unhappy about it？ We all seem to agree that a college education is wonderful, and yet strangely we worry when we see families investing so much in this supposedly essential good. Maybe its time to ask a question that seems almost sacrilegious (大不敬) : is all this investment in college education really worth it？ B． The answer. I fear, is no. For an increasing number of kids, the extra time and money spent pursuing a college diploma will leave them worse off than they were before they set foot on campus. C．For my entire adult life, a good education has been the most important thing for middle-class households. My parents spent more educating my sister and me than they spent on their house, and theyre not the only ones.., and, of course, for an increasing number of families, most of the cost of their house is actually the cost of living in a good school district. Questioning the value of a college education seems a bit like questioning the value of happiness, or tim. D．The average price of all goods and services has risen about 50 percent. But the price of a college education has nearly doubled in that time. Is the education that todays students are getting twice as good？ Are new workers twice as smart？ Have they become somehow massively more expensive to educate？ E ．Perhaps a bit. Richard Vedder, an Ohio University economics professor, says, "I look at the data, and I see college costs rising faster than inflation up to the mid-1980s by 1 percent a year. Now I see them rising 3to 4 percent a year over inflation. What has happened？ The federal government has started dropping money out of airplanes. " Aid has increased, subsidized (补贴的) loans have become available, and "the universities have gotten the money. " Economist Bryan Caplan, who is writing a book about education, agrees: "Its a giant waste of resources that will continue as long as the subsidies continue. " F．Promotional literature for colleges and student loans often speaks of debt as an "investment in yourself. " But an investment is supposed to generate income to pay off the loans. More than haft of all recent graduates are tmemployed or in jobs that do not require a degree, and the amount of student- loan debt carried by households has increased more than five times since 1999. These graduates were told that a diploma was all they needed to succeed, but it wont even get them out of the spare bedroom at Mom and Dads. For many, the most visible result of their four years is the loan payments, which now average hundreds of dollars a month on loan balances in the tens of thousands. G．Its true about the money--sort of. College graduates now make 80 percent more than people who have only a high-school diploma, and though there are no precise estimates, the wage premium (高出的部分) for an outstanding school seems to be even higher. But thats not true of every student. Its very easy to spend four years majoring in English literature and come out no more employable than you were before you went in. Conversely, chemical engineers straight out of school can easily make almost four times the wages of an entry-level high-sch0ol graduate. H． James Heckman, the Nobel Prize-winning economist, has examined how the returns on education break down for individuals with different backgrounds and levels of ability. "Even with these high prices, youre still finding a high return for individuals who are bright and motivated," he says. On the other hand, "if youre not college ready, then the answer is no, its not worth it. " Experts tend to agree that for the average student, college is still worth it today, but they also agree that the rapid increase in price is eating up more and more of the potential return. For borderline students, tuition (学费) rise can push those returns into negative territory. I． Everyone seems to agree that the government, and parents, should be rethinking how we invest in higher education-and that employers need to rethink the increasing use of college degrees as crude screening tools for jobs that dont really require college skills, "Employers seeing a surplus of college graduates and looking to fill jobs are just adding that requirement," says Vedder. "In fact, a college degree becomes a job requirement for becoming a bar-tender. " J． We have started to see some change on the fmance side. A law passed in 2007 allows many students to cap their loan payment at 10 percent of their income and forgives any balance after 25 years. Bnt of course, that doesnt control the cost of education; it just shifts it to taxpayers. It also encourages gradimtes to choose lower-paying careers, which reduces the financial return to education still further. "Youre subsidizing people to become priests and poets and so forth," says Heckman. "You may think thats a good thing, or you may not. " Either way it will be expensive for the government. K． What might be a lot cheaper is putting more kids to work. Caplan notes that work also btfilds valuable skills--probably more valuable for kids who dont naturally love sitting in a classroom. Heckman agrees wholeheartedly:" People are different, and those abilities can be shaped. Thats what weve learned, and public policy should recognize that. " L． Heckman would like to see more apprenticeship-style. (学徒式) programs, where kids can learn in the workplace learn not just specific job skills, but the kind of "soft skills," like getting to work on time and getting along with a team, that are crucial for career success, "Its about having mentors (指导者) and having workplace-based education," he says. "Time and again Ive seen examples of this kind of program working. " M． Ah, but how do we get there from here？ With better public policy, hopefully, but also by making better individual decisions. "Historically markets have been able to handle these things," says Vedder, "and I think eventually markets will handle this one. ff it doesnt improve soon, people are going to wake up and ask, Why am I going to college？" Caplan suggests that kids who dont love school go to work,

An increasing number of families spertd more money on houses in a good school district,

Subsidized loans to college students are a huge waste of money, according to one economist.

More and more kids find they fare worse with a college diploma,

For those who are not prepared for higher education, going to College is not worth it.

Over the years the cost of a college education has increased almost by 100%.

A law passed recently allows many students to pay no more than one tenth of their income for their college loans.

Middle-class Americans have highly valued a good education.

More kids should be encouraged to participate in.programs where they can learn not only job skills but also social skills.

Over fifty percent of recent college graduates remain unemployed or unable to fred a suitable job.

请帮忙给出每个问题的正确答案和分析，谢谢！

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第8题

Types of loans to individual and families.

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第9题

Aliens, semantic loans, translation－loans and denizens are all borrowings.（)

Aliens, semantic loans, translation-loans and denizens are all borrowings.()

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第10题

Which of the following is true regarding credit card loans？

A．There is evidence that considerable economies of scale exist in credit card loans．

B．Credit cards loans cannot act as installment loans．

C．Credit cards loans are very inconvenient for consumers．

D．Credit cards loans are very inflexible for consumers．

E．All of the options are tru

E．

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Such loans with good repayment prospects are called "hard loans".（)