評論
打印
Conversation Two.
對話二
How did it go at the bank this morning?
早上在銀行的事情怎么樣了？
Not well. My proposal was rejected.
不太順利，我的申請被拒絕了。
Really? But why?
真的嗎？為什么啊？
Bunch of reasons. For starters, they said my credit history was not good enough.
原因有很多。首先，他們說我的信用記錄不太好。
Did they say how you could improve that?
那他們有說怎么去改善嗎？
Yes, they said that after five more years of paying my mortgage, then I will become a more viable candidate for a business loan.
說了，他們說我的按揭貸款至少還要再還五年，然后我才能成為一個更合格的商業貸款候選人。
But right now it's too risky for them to lend me money. They fear I will default on any business loan I'm given.
現在因為風險太大所以不能把錢貸給我，他們擔心我會拖欠他們發放給我的商業貸款。
That doesn't sound fair. Your business idea is amazing. Did you show them your business plan? What did they say?
聽起來不公平啊，你的商業想法這么棒，你給他們看你的商業計劃書了嗎？他們怎么說的？
They didn't really articulate any position regarding the actual business plan.
對于實際的商業計劃，他們并沒有明確表達自己的立場。
They simply looked at my credit history and determined it was not good enough.
他們只是看了我的信用記錄，然后就認定我的信用記錄不夠好。
They said the bank has strict guidelines and requirements as to who they can lend money to.
他們說，銀行對貸款對象有嚴格的準則和要求。
And I simply don't meet their financial threshold.
我在財務上根本達不到他們的標準。
What if you ask for a smaller amount? Maybe you could gather capital from other sources, smaller loans from more lenders.
如果你貸少一點的金額呢？或許可以從其他渠道籌集資金，從更多的貸款人那里獲取小額貸款。
You don't get it. It doesn't matter the size of the loan I ask for, or the type of business I propose. That's all inconsequential.
你不明白，問題不在于我要求貸款的規模、或者我要辦理的業務類型，這些都不是重點。
The first thing every bank will do is study how much money I have and how much debt I have before they decide whether or not to lend me any more money.
每家銀行要做的第一件事情就是要弄清楚我有多少錢以及我有多少債務，然后再來決定是否貸給我更多的錢。
If I want to continue ahead with this dream of only my own business, I have no other choice.
如果我想繼續自己的事業，繼續這個夢想，那么沒有其他選擇，
But to build up my own finances, I need around 20% more in personal savings and 50% less debt. That's all there is to it.
只能先把我自己的財務狀況搞好，個人存款再提高20%，債務再減少50%，這樣就沒有問題了。
I see now it's a huge pity that they rejected your request, but don't lose hope.
我現在明白了，他們拒絕了你的申請真的很遺憾，但不要失去希望。
I still think that your idea is great and that you would turn it into a phenomenal success.
我還是認為你的想法很好，你會取得很大的成功的。
5. What did the woman do this morning?
這位女士今天早上做了什么？
6. Why was the woman's proposal rejected?
這位女士的申請為什么會被拒絕？
7. What is the woman planning to do?
這位女士打算怎么辦？
8. What does the man suggest the woman do?
這位男士建議這位女士怎么做？
