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区域自然条件中，对信贷风险影响较大的主要是区域自然资源与基础设施。()

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法定利率是指由政府金融管理部门或中央银行确定的利率，它是国家实现宏观调控的一种政策工具。()

Advantages and Disadvantages of Studying Abroad
In the first part of your writing you should present your thesis statement, and in the second part you should support the thesis statement with appropriate details. In the last part you should bring what you have written to a natural conclusion or a summary.
Marks will be awarded for content, organization, grammar and appropriateness. Failure to follow the above instructions may result in a loss of marks.
Write your composition on ANSWER SHEET FOUR.

SECTION B ENGLISH TO CHINESE
Directions: Translate the following text into Chinese.
Studies serve for delight, for ornament, and for ability. Their chief use for delight, is in privateness and retiring; for ornament, is in discourse; and for ability, is in the judgment, and disposition of business.
For expert men can execute, and perhaps judge of particulars, one by one; but the general counsels, and the plots and marshalling of affairs, come best, from those that are learned. To spend too much time in studies is sloth; to use them too much for ornament, is affectation; to make judgment wholly by their rules, is the humor of a scholar. Crafty men contemn studies, simple men admire them, and wise men use them; for they teach not their own use; but that is a wisdom without them, and above them, won by observation.

The grandest of these ideals is an unfolding American promise that everyone belongs, that