Question

【题目】

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(隶属机构), 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】

这是一篇说明文。银行和其他放贷机构通常会查看借款人的信用记录、税单和其他财务信息，以确定他们是否能获得还款。在中国，创意贷款机构也会查看他们的浴室。文章说明了这一做法的原因，以及操作过程。还分析了目前中国人的借贷情况。

【1】考查形容词。句意：在中国，创意贷款机构也会查看他们的浴室。修饰后文名词lenders应用形容词，且结合句意表示“创意的”。故填creative。故选B。

【2】考查动词时态。句意：虽然这个国家的财富不断膨胀，但金融体系却没有跟上步伐。从句中缺少谓语，且表示“膨胀”动词为swell，结合上文While the country’s wealth has可知为现在完成时。故填swelled。故选D。

【3】考查名词。句意：有些人无法获得信用卡或抵押贷款，因此贷款人往往对潜在借款人的可靠信息知之甚少。结合句意表示“无法进入，没有办法”短语为have no access to。故填access。故选J。

【4】考查名词的数。句意：为了填补这一空白，一家新兴的贷款机构，中国快速金融，以实际工作补充了数据分析。句中缺少谓语动词且表示“补充”应用动词supplement，且时态为一般现在时，主语为China Rapid Finance，故谓语动词用第三人称单数。故填supplements。故选C。

【5】考查名词。句意：互联网巨头阿里巴巴、腾讯和百度正在开发基于用户在线交易和搜索历史的信用评分系统。结合句意表示“信用评分系统”可知应用名词scoring。故填scoring。故选G。

【6】考查形容词。句意：中国的银行有适度的消费者贷款业务。修饰后文名词短语consumers lending business应用形容词，且结合句意表示“适度的”应用modest。故填modest。故选A。

【7】考查动词时态。句意：相反，网上银行正成为先驱者，以满足中国日益增长的消费阶层。本句中缺少谓语动词，且结合句意表示“变得显眼（或重要、突出）；出现”应用动词emerge，且根据上文online lenders are可知为现在进行时。故填emerging。故选F。

【8】考查动词时态语态。句意：事实证明，P2P平台在中国非常受欢迎，但该行业的声誉已被丑闻所毁，例如e租宝的倒闭。本句中缺少谓语，且结合句意表示“毁灭”应用动词ruin，根据上文has been可知为现在完成时的被动语态。故填ruined。故选K。

【9】考查名词的数。句意：在那之后，监管机构加强了对网上贷款机构的监管，包括对可借金额设定上限。此处做setting的宾语应用名词，且表示“最高限额”应用名词cap，结合句意此处应用名词复数形式。故填caps。故选H。

【10】考查副词。句意：总部位于北京的Marbridge咨询公司创始人兼董事总经理Mark Natkin表示，监管机构的收紧控制“有点像一个牧羊人逐渐把羊群赶到一个越来越窄的围栏或斜槽里。”修饰后文动词herd应用副词gradually，表示“逐渐地”。故填gradually。故选E。