第二篇：    E.Sun Bank yesterday uncovered a program which allows social enterprises to take out loans more easily and atlower interest rates to help improve their development. The interest rates for regular corporate loans are usually atleast 2 percent. But
(E)Sun bank would provide loans of up to NT$3 million for each social enterprise at 1.6 percentinterest. The total amount of lending for the new program is limited to NT$100 million, which means at least 30social enterprises could benefit from it. The bank is cooperating with the Taipei City Government for the program andonly social enterprises registered in the city can apply for loans.    Because there is no complete and official definition of a social enterprise in Taiwan, the bank would ask fourbusiness consultants known for helping the development of social businesses to recommend qualified enterprises.After being recommended, the enterprises would need to apply to the Small and Medium Business Credit GuaranteeFund of Taiwan (Taiwan SMEG) for qualification, as the fund would provide credit guarantees for them. Then thefirms would need to pass a review by the city government.   It is not easy for social enterprises to take out loans, as their staff usually do not know how to prepare financialstatements, which are crucial for banks when evaluating loan applications. In addition, because social enterprises’profits are not as high as those of regular companies and as they do not have enough assets to be used as guarantee,they often end up paying higher interest. Taiwan SMEG, which normally offers credit guarantees of 80 percent, saidthat it would lift the guarantee percentage to 90 percent for social enterprises. The move would help reduce risks forthe bank, and if a social enterprise failed to pay a loan, Taiwan SMEG would recognize 90 percent of the debt, whilethe bank would recognize the rest.
46. What social enterprises are qualified to apply for the loan?
(A) Those credited by
(E)Sun Bank
(B) Those dedicated to help young talents
(C) Those registered in Taipei
(D) Those supported by business consultants