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1、2019-2020年高三上学期高考自招模拟卷英语试题2含答案（长宁）“Neitheraborrowernoralenderbe.”Althoughthismightbeexcellentadviceinmattersconcerningfamilyandfriends,borrowingandlendingarefrequentlythefoundationofaboomingeconomy.Aloanisasumofmoneyborrowedforalimitedperiod.Aloanmaybeobtainedfroma
2、nindividualorfromaninstitutionsuchasabankandisgenerallygrantedataspecificrateofinterest.Interestisthefeethattheborrowerpaystousethemoney.Anextremelyhighrateofinterest---andcertainlyanyamountmorethanlawpermits---iscalledusury.Lendingmoneycanbeariskybusiness,forthere
3、isalwaysthepossibilitythattheborrowermaynotbeabletopaytheloan.Forthisreason,alendergenerallyrequirestheborrowertoregistersomethingvaluableofhisorhers,knownascollateral(抵押),asapartoftheloanagreement.Ahouseoranautomobile,investmentsinthestockmarket,eventhevalueofabus
4、iness,areallexamplesofcollateralthatalendermaybewillingtoacceptintheeventthattheborrowerfailstopaytheloan.Therearetwomajorsortsofloans:consumerloansandmercialloans.Aconsumerloanisonethatismadetoanindividual,anditmaybetobuyahouseoranautomobileortofinanceaneducation.
5、Amercialloanmaybeusedtostartanewbusiness,payfornewequipmentandstaff,orexpandanofficeorfactory.Thebusinessofmakingloansalsocontributestoahealthyeconomybyenhancingtheemploymentmarket.Loansallowconsumerstobuyandimprovehomes,creatingjobsforcarpenters,architectsandetc.L
6、oansenablebusinessestoexpand,andwhenthesebusinessesopenabranchofficeoranewstore,theyalsoincreasetheirconsumptionofofficesupplies,furnishings,andputers.Inaboomingeconomy,moneycirculatesquickly,andeachdealrepresentsearningsforsomeone.Itmaybereasonabletosaythatacertai
7、nlevelofdebtisnormal,evennecessary,toahealthyeconomyaslongastheindividualborrowerorbusinessiscarefulandtrynottotakeonmorethanamanageableamountofdebt.(Note:AnswerthequestionsorpletethestatementsinNOMORETHANTENWORDS.)81.“Neitheraborrowernoralenderbe.”isexcellentadvic
8、eforkeepinggoodfamilyandfriendswhileitis__________.82.Whatisthepurposeofcollateralinaloanagreement?83.Differentfrommercialloans,consumerloansmayb
