統測
110年
[外語群英語類] 專業科目(2)
第 14 題
📖 題組：
The idea of microfinance and microenterprises was developed by Muhammad Yunus, founder of Grameen Bank in Bangladesh. A microenterprise is a type of business with a small team, often registered, requiring __11__ capital of no more than $35,000. The term microenterprise connotes different entities and sectors depending on the country. Generally speaking, in developed countries, microenterprises make up the smallest end of the small business sector, __12__ microenterprises in developing countries constitute the vast majority of the small business sector – a result of the relative lack of formal sector jobs available for the poor. Microenterprises add value to a country’s economy by creating jobs, enhancing income, strengthening purchasing power, lowering costs, and adding business convenience. According to data from the Development Bank of Latin America, microenterprises represent 88 percent of total companies in Latin America, where they are engaged in self-employment activities. Microlending has become an alternative __13__ traditional lending for businesses in communities that don’t have access to traditional funding. Microbusinesses and small businesses that are in underserved areas or have low credit __14__ can use private microlending organizations for marketing campaigns, inventory or supplies, and seasonal expenses. Some states and organizations offer help for small and microbusinesses. Nebraska, for instance, gives an income tax credit of up to $10,000 based on “demonstrated growth” of the business over the past two years. However, official policies often make business difficult for microentrepreneurs. Deposit services are rarely __15__ to these businesspeople, especially in rural areas. The small loans microentrepreneurs usually need are less attractive to traditional formal financial institutions because of their high transaction costs.
The idea of microfinance and microenterprises was developed by Muhammad Yunus, founder of Grameen Bank in Bangladesh. A microenterprise is a type of business with a small team, often registered, requiring __11__ capital of no more than $35,000. The term microenterprise connotes different entities and sectors depending on the country. Generally speaking, in developed countries, microenterprises make up the smallest end of the small business sector, __12__ microenterprises in developing countries constitute the vast majority of the small business sector – a result of the relative lack of formal sector jobs available for the poor. Microenterprises add value to a country’s economy by creating jobs, enhancing income, strengthening purchasing power, lowering costs, and adding business convenience. According to data from the Development Bank of Latin America, microenterprises represent 88 percent of total companies in Latin America, where they are engaged in self-employment activities. Microlending has become an alternative __13__ traditional lending for businesses in communities that don’t have access to traditional funding. Microbusinesses and small businesses that are in underserved areas or have low credit __14__ can use private microlending organizations for marketing campaigns, inventory or supplies, and seasonal expenses. Some states and organizations offer help for small and microbusinesses. Nebraska, for instance, gives an income tax credit of up to $10,000 based on “demonstrated growth” of the business over the past two years. However, official policies often make business difficult for microentrepreneurs. Deposit services are rarely __15__ to these businesspeople, especially in rural areas. The small loans microentrepreneurs usually need are less attractive to traditional formal financial institutions because of their high transaction costs.
14.
- A notes
- B ratings
- C means
- D scraps
思路引導 VIP
當銀行在決定是否要借錢給一個客戶時，除了看對方的財產，通常會去查看一個由第三方機構所建立的『信用評分』或『等級評估系統』。在英文中，你會用哪一個字來描述這種對品質或等級進行的『分級、評價』呢？
🤖
AI 詳解
AI 專屬家教
太棒了！精準命中關鍵字
- 觀念驗證：這題考查的是固定搭配 (Collocation)。在金融與商務語境中，credit ratings 指的是「信用評等」。文中提到微型企業因為處於弱勢地區或信用評分較低，導致無法從傳統銀行獲取資金，這完全符合段落邏輯。
- 難度點評：本題難度為 Medium。雖然單字本身並不生僻，但學生必須具備商務英文的基礎常識，並能迅速聯想到與「credit (信用)」組合的專有名詞，這在統測中是常見的專業字彙題型。