•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.
第1题
不居于临床微生物学的性质和任务的是
A.控制消灭感染性疾病
B.研究感染性疾病的病原体特征
C.提供快速准确的病原学诊断
D.指导临床合理使用抗生素
E.对医院感染进行监控
第3题
下列选项除哪项外均为临床微生物的性质和任务
A、研究感染性疾病的病原体特征
B、提供快速、准确的病原体学诊断
C、指导临床合理使用抗生素
D、对医院感染进行监控
E、加强与临床联系
第4题
临床微生物学侧重研究
A.感染性疾病病原体的类型
B.感染性疾病病原体的形态与结构
C.感染性疾病检测病原体的策略与方法
D.病原微生物的生物学特性
E.病原微生物的特异性诊断
第5题
A、研究感染性疾病的病原体特征
B、微生物学定性、定量和定位分析
C、提供快速、准确的病原学诊断
D、指导临床合理使用抗菌药物
E、对医院感染进行监控
第6题
下列选项除哪项外均为临床微生物的性质和任务
A.研究感染性疾病的病原体特征
B.提供快速、准确的病原学诊断
C.指导临床合理使用抗生素
D.对医院感染进行监控
E.加强与临床联系
第7题
临床微生物学检验的目的是
A、为临床感染性疾病的诊断提供病原学依据
B、为临床感染性疾病的治疗提供参考用药的信息
C、为医院感染提供病原微生物及其耐药性动态信息
D、改进或更新临床微生物学检验的方法
E、以上说法都正确
第10题
对感染性疾病的现状描述,下列不正确的是
A、大部分感染性疾病病因明确,病原体均可得到有效控制
B、易感人群不断增加
C、新病原体不断出现,已控制的病原体死灰复燃
D、感染因子在非感染性疾病中的作用越来越明显
E、细菌耐药和医院感染的问题日趋严重
为了保护您的账号安全,请在“上学吧”公众号进行验证,点击“官网服务”-“账号验证”后输入验证码“”完成验证,验证成功后方可继续查看答案!