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Although it is a hard task to protect our environment, we can't help but (go) ahead. 题目和参考答案
Millions of families around the world have been giv?en a helping hand out of poverty by micro-credits. These very small loans, usually less than US $ 200, have ena?bled the very poorest people to set up or expand busines?ses and become self-sufficient.
The micro-credit movement started with Professor Muhammad Yunus, who founded the Grarneen Bank in Bangladesh. Professor Yunus, who won the 2006 Nobel Peace Prize, used his own money to set up a bank to benefit the poorest people in Bangladesh―families living on less than US $ 1 a day. There are now hundreds of organizations around the world following his blueprint to help people escape from poverty.
So how does the system work? Local Microfinance Institutions (MFIs) make contact with families and offer loans, usually to women, to enable them to start or expand a business. These are very poor people who would not normally be able to get credit, but as no col?lateral (抵押品)is required they can get micro-credits. They pay back the loan on a weekly basis, over six months to a year.
A crucial aspect to the success of the micro-credit system is that receivers get local support. The MFIs educate local communities about ways to improve their
lives, and offer practical support as well as collecting weekly loans payments. They encourage people to help each other, so that the whole community can pull itself out of poverty. MFIs may also help with literacy and health problems.
Micro-credits are mainly given to women. Experi?ence has shown that women are more motivated to improve their children's lives and will spend the money they make on better nutrition and schooling for their children. This may be the first chance they've had to contribute financially to the family, and their status in the home and the local community is raised.
The micro-credit system is not charity. The payments are fixed-term loans and interest is charged. The costs of making such small loans, collecting them and giving personal support are high. This is reflected in the interest rates, which range from 15 to 35 per cent. Despite this, the repayment rate is very high, between 95 and 98 per cent, showing that micro-credit clients re?ally value this opportunity to leave poverty behind.
5. Micro-credits are offered to the poorest people around the world in order to A. make profits out of the poor
B. support poor people out of poverty
C. establish more micro-credit institutions
D. promote the development of world economy
6. Why are bank loans mainly made to women?
A. Because they make more financial contribution to the family.
B. Because they hold higher status in the home and community.
C. Because they are more reliable and likely to repay the loan.
D. Because they are more likely to spend the profits on their children.
7. The high repayment rate of the loan suggests that
A. people do hope to take advantage of the loan to get out of poverty
B. it is easy to make money with the aid of micro?credits
C. micro-credits are very popular with poor families
D. most micro-credit clients keep their promises well
8. The passage is most probably taken from the
section of a magazine.
A. Health B. Business
C. Finance D. Education
英语周报高二答案2020-2021book5unit1试题答案
【文章大意】本文是一篇说明文。不需要抵押，但需要支付较高利息的小额贷款可以帮助最为贫穷的人们创建或扩大他们的生意，提髙生活质量。现在，世界各地成千上万的贫困家庭正在通过这种小额借贷的方式走出贫困。
B细节理解题。根据第一段第二句和第二段最后一句可知， 这些通常不到200美元的小额贷款是用来帮助那些最贫穷的家庭摆脱贫困的，所以选项B为正确答案。
D推理判断题。根据倒数第二段内容可知，以往的经验表明：家庭主妇具有更多的积极性去提高孩子们的生活水平， 并且愿意把挣来的钱用于改善他们的营养和学习教育情况。所以选项D为正确答案。
A细节理解题。根据最后一段最后二句内容可知，虽然借款家庭需要支付15%〜35%的利息，伹是还款率还是很高(95%~98%)„由此可见，借贷的贫穷家庭确实想通过这种方式来摆脱贫困。
C推理判断题。通读全文可知，世界各地的小型金触机构,贷款给最为贫穷的家庭，以帮助他们摆脱贫困，所以，该文章最可能刊登在杂志的金融版面上。
