14. V1 by 410847261 AA....说一个地方主要是冬天为主哇，然后只有一个冰淇淋店，然后那个冰淇淋店去年冬天net revenues下降百分之十，然后所以，他们就不想给loan给一个想开Kool Kane之类的冰淇淋店的local group。。。
V2 by guiguijituan AA:110
V3 by 78224506冰淇淋店.
V4 by zhadanking AA是 那个冬天冰激凌店的那个。一个字不变。和寂静一样
V5 by kingco88一个argument，说一个Bank不批准一个group的贷款申请。那个贷款好像是要用于开outlet of Kool Kain Ice Cream Chains. 就是开冰激凌店吧。
原题：110. The following appeared as part of a memorandum from the loan department of the Frostbite National Bank.
“We should not approve the business loan application of the local group that wants to open a franchise outlet for the Kool Kone chain of ice cream parlors. Frostbite is known for its cold winters, and cold weather can mean slow ice cream sales. For example, even though Frostbite is a town of 10,000 people, it has only one ice cream spot — the Frigid Cow. Despite the lack of competition, the Frigid Cow’s net revenues fell by 10 percent last winter.”
# Other factors in deciding whether to give loan to a company such as the credit of the company should be considered.
# Admittedly, the former and prospective performance of the company is also important when the bank have to make decision of whether or not should it give loan to a company. However, the author of the memorandum show no sufficient evidence to support his or her proposal that the bank should not give loan to Kool Kone chain of ice cream parlors.
# The statistics last year does not necessarily denote the future trend.
In this memorandum the loan department of Frostbite National Bank recommends against approval of a business loan to a local group that wants to open an ice creamparlor. In support of this decision the loan department points out that Frostbite has a reputation for cold winters and sales of ice cream decrease in cold weather. This latter point is buttressed by the fact that Frostbite’s only ice cream parlor suffered a 10 percent decline in net revenues the previous winter. The loan department’s decision is questionable for the following reasons.
To begin with, since it is reasonable to expect a decline in ice cream sales during winter months, it is difficult to assess the relevance of the fact that Frostbite has cold winters to the potential success of the Kool Kone franchise. Common sense suggests that this fact would be significant only if it turned out that Frostbite’s winter season lasted 9 or 10 months as it does in arctic regions. In that case slow sales could be expected for most of the year and the loan department’s opposition to the loan would be readily understandable. If, on the other hand, Frostbite’s winter season lasts only a few months and the remainder of the year is warm or hot, it is difficult to comprehend the loan department’s reasoning.
Next, the loan department assumes that the Frigid Cow’s decline in net revenue last winter was a result of slow sales occasioned by cold weather. While this is a possible reason for the decline, it is not the only factor that could account for it. For example, other factors such as poor business practices or lack of inventory could be responsible for the Frigid Cow’s loss of revenue. The loan department’s failure to investigate or even consider these and other possible explanations for the Frigid Cow’s decline in revenue renders their decision highly suspect.
In conclusion, the loan department’s decision is ill-founded. To better evaluate the decision, we would need to know more about the length and severity of Frostbite’s winter season. Moreover, evidence would have to be provided to support the assumption that the Frigid Cow’s loss of revenue last winter was a direct result of the cold weather.
Massachusetts Institute of Technology GRE: 1353 GMAT:720 Stanford University (CA) GRE: 1354 GMAT:720 University of California–Berkeley GRE: 1353 GMAT:707 Georgia In
GMAT考试是美国管理专业招收研究生委员会主办和负责指导的考试, 其英文全称是Graduate Management Admission Test。GMAT考试的科目包括会计学、经济学、管理学、普通管理、生产管理、行政管理、