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1、“Neitheraborrowernoralenderbe.”Althoughthismightbeexcellentadviceinmatters完形填空答案 “Neitheraborrowernoralenderbe.”Althoughthismightbeexcellentadviceinmatters32 (concern)familyandfriends,borrowingandlendingarefrequentlythefoundationofaboomingeconomy. Aloanisasumofmoneybor
2、rowedfora33(limit)period.Aloanmaybeobtainedfromanindividualorfromaninstitutionsuchasabankandisgenerallygrantedataspecificrateofinterest.Interestisthefee34theborrowerpaystousethemoney.Anextremelyhighrateofinterest—andcertainlyanyamountmorethanlawpermits—iscalledusury.Lendi
3、ngmoneycanbeariskybusiness,for 35isalwaysthepossibilitythattheborrowermaynotbeabletopaytheloan.Forthisreason,alendergenerallyrequirestheborrowertoregistersomething36valuableofhisorhers,knownascollateral(抵押),asapartoftheloanagreement.Ahouseoranautomobile,investmentsinthes
4、tockmarket,eventhevalueofabusiness,areallexamplesofcollateral(担保物)thatalender37bewillingtoacceptintheeventthattheborrowerfailstopaytheloan. Therearetwomajorsortsofloans:consumerloansandcommercialloans.Aconsumerloanis38 thatismadetoanindividual,anditmaybetobuyahouseorana
5、utomobileortofinanceaneducation.Acommercialloanmaybeusedtostartanewbusiness,payfornewequipmentandstaff,orexpandanofficeorfactory.Thebusinessofmakingloansalsocontributestoahealthyeconomy39enhancingtheemploymentmarket.Loansallowconsumerstobuyandimprovehomes,creatingjobsforc
6、arpenters,architectsandetc.Loansenablebusinessestoexpand,andwhenthesebusinessesopenabranchofficeoranewstore,theyalsoincreasetheirconsumptionofofficesupplies,furnishings,andcomputers. Ina40(boom)economy,moneycirculatesquickly,andeachdealrepresentsearningsforsomeone.Itmayb
7、ereasonabletosaythatacertainlevelofdebtisnormal,evennecessary,toahealthyeconomyaslongastheindividualborrowerorbusinessiscarefulandtrynottotakeonmorethanamanageableamountofdebt. 32.concerning33.limited34.that35.there36.valuable 37.may38.one39by40.booming