Question

【題目】

Bathroom Reveals Your Repayment Ability

Banks and other lenders typically look at borrowers’ credit histories, tax forms and other financial information to determine whether they will get paid back. In China, 【1】lenders also look at their bathrooms.

As the economy slows, the government wants to nurture a credit culture to get Chinese families spending instead of saving. While the country’s wealth has 【2】, the financial system has not kept pace. Some people have had no【3】 to credit card or mortgage, so lenders often have little reliable information about potential borrowers.

To fill the gaps, one upstart lender, China Rapid Finance, 【4】 data analysis with on-the-ground spade work. The company’s investigators, in more than 90 cities, check for the number of toothbrushes or towels to determine how many people are living in a house. They look for dirty dishes in the kitchen. They take photos of a potential borrower at work to confirm employment status.

A growing number of companies are trying to crack the credit code in China. The internet giants Alibaba, Tencent and Baidu are developing credit 【5】 systems based on users’ online transactions and search histories.

The World Bank estimated that 79 percent of China’s population above the age of 15 have bank accounts, while only 10 percent have ever borrowed from the formal financial system. China’s banks have a(n) 【6】 consumers lending business. Contrarily, online lenders are 【7】 as the pioneers, satisfying China’ s rising consumer class. Alibaba’s financial affiliate(隸屬機(jī)構(gòu)), Huabei, makes small loans to online shoppers and vendors on its e-commerce platforms.

Peer- to-peer platforms have proved hugely popular in China, but the industry’s reputation has been 【8】 by scandal, like the collapse of Ezubao.

After that, regulators have stepped up their oversight of online lenders, including setting【9】 on the amounts that can be borrowed. The regulators’ tightening grip is “something like a shepherd 【10】herding his sheep into an increasingly narrowing pen or chute,” said Mark Natkin, the founder and managing director at Marbridge Consulting, based in Beijing.

Answer 1

【答案】

【1】B

【2】D

【3】J

【4】C

【5】G

【6】A

【7】F

【8】K

【9】H

【10】E

【解析】

這是一篇說(shuō)明文。銀行和其他放貸機(jī)構(gòu)通常會(huì)查看借款人的信用記錄、稅單和其他財(cái)務(wù)信息，以確定他們是否能獲得還款。在中國(guó)，創(chuàng)意貸款機(jī)構(gòu)也會(huì)查看他們的浴室。文章說(shuō)明了這一做法的原因，以及操作過(guò)程。還分析了目前中國(guó)人的借貸情況。

【1】考查形容詞。句意：在中國(guó)，創(chuàng)意貸款機(jī)構(gòu)也會(huì)查看他們的浴室。修飾后文名詞lenders應(yīng)用形容詞，且結(jié)合句意表示“創(chuàng)意的”。故填creative。故選B。

【2】考查動(dòng)詞時(shí)態(tài)。句意：雖然這個(gè)國(guó)家的財(cái)富不斷膨脹，但金融體系卻沒(méi)有跟上步伐。從句中缺少謂語(yǔ)，且表示“膨脹”動(dòng)詞為swell，結(jié)合上文While the country’s wealth has可知為現(xiàn)在完成時(shí)。故填swelled。故選D。

【3】考查名詞。句意：有些人無(wú)法獲得信用卡或抵押貸款，因此貸款人往往對(duì)潛在借款人的可靠信息知之甚少。結(jié)合句意表示“無(wú)法進(jìn)入，沒(méi)有辦法”短語(yǔ)為have no access to。故填access。故選J。

【4】考查名詞的數(shù)。句意：為了填補(bǔ)這一空白，一家新興的貸款機(jī)構(gòu)，中國(guó)快速金融，以實(shí)際工作補(bǔ)充了數(shù)據(jù)分析。句中缺少謂語(yǔ)動(dòng)詞且表示“補(bǔ)充”應(yīng)用動(dòng)詞supplement，且時(shí)態(tài)為一般現(xiàn)在時(shí)，主語(yǔ)為China Rapid Finance，故謂語(yǔ)動(dòng)詞用第三人稱(chēng)單數(shù)。故填supplements。故選C。

【5】考查名詞。句意：互聯(lián)網(wǎng)巨頭阿里巴巴、騰訊和百度正在開(kāi)發(fā)基于用戶(hù)在線(xiàn)交易和搜索歷史的信用評(píng)分系統(tǒng)。結(jié)合句意表示“信用評(píng)分系統(tǒng)”可知應(yīng)用名詞scoring。故填scoring。故選G。

【6】考查形容詞。句意：中國(guó)的銀行有適度的消費(fèi)者貸款業(yè)務(wù)。修飾后文名詞短語(yǔ)consumers lending business應(yīng)用形容詞，且結(jié)合句意表示“適度的”應(yīng)用modest。故填modest。故選A。

【7】考查動(dòng)詞時(shí)態(tài)。句意：相反，網(wǎng)上銀行正成為先驅(qū)者，以滿(mǎn)足中國(guó)日益增長(zhǎng)的消費(fèi)階層。本句中缺少謂語(yǔ)動(dòng)詞，且結(jié)合句意表示“變得顯眼（或重要、突出）；出現(xiàn)”應(yīng)用動(dòng)詞emerge，且根據(jù)上文online lenders are可知為現(xiàn)在進(jìn)行時(shí)。故填emerging。故選F。

【8】考查動(dòng)詞時(shí)態(tài)語(yǔ)態(tài)。句意：事實(shí)證明，P2P平臺(tái)在中國(guó)非常受歡迎，但該行業(yè)的聲譽(yù)已被丑聞所毀，例如e租寶的倒閉。本句中缺少謂語(yǔ)，且結(jié)合句意表示“毀滅”應(yīng)用動(dòng)詞ruin，根據(jù)上文has been可知為現(xiàn)在完成時(shí)的被動(dòng)語(yǔ)態(tài)。故填ruined。故選K。

【9】考查名詞的數(shù)。句意：在那之后，監(jiān)管機(jī)構(gòu)加強(qiáng)了對(duì)網(wǎng)上貸款機(jī)構(gòu)的監(jiān)管，包括對(duì)可借金額設(shè)定上限。此處做setting的賓語(yǔ)應(yīng)用名詞，且表示“最高限額”應(yīng)用名詞cap，結(jié)合句意此處應(yīng)用名詞復(fù)數(shù)形式。故填caps。故選H。

【10】考查副詞。句意：總部位于北京的Marbridge咨詢(xún)公司創(chuàng)始人兼董事總經(jīng)理Mark Natkin表示，監(jiān)管機(jī)構(gòu)的收緊控制“有點(diǎn)像一個(gè)牧羊人逐漸把羊群趕到一個(gè)越來(lái)越窄的圍欄或斜槽里。”修飾后文動(dòng)詞herd應(yīng)用副詞gradually，表示“逐漸地”。故填gradually。故選E。