阅读下列短文，从所给的四个选项中，选出最佳选项。

    Borrowing to start a business is not easy. Getting a bank loan, particularly for a new small business, is like going through the eye of a needle.

    Banks favor established-business people with a solid credit rating and a large bank account. They should also have experience in the business they propose to enter, and offer well-prepared business plans that show the ability to repay the loans. If you are not such a person, then you need to double your preparations to convince the banker to lend you that much needed start-up capital（资金）. If your business is new and small, bankers will need to know as much as possible about you and your business. However, many small business owners often make the mistake of not being well prepared when going to the bank to apply for the loan. Surprisingly, many loan applicants don't even have the slightest idea how or when they intend to repay the money they request. Often they don't even know how much money they need. When asked how much money they want to borrow, many people give these two common responses: “How much money can I get?” and “As much as possible.” Is it any wonder that lenders say no? So the most important thing is do your homework before you ask for a loan.  

阅读选段，完成后面各题。

      两岸的豆麦和河底的水草所发散出来的清香，夹杂在水气中扑面的吹来；月色便（méng lóng）在这水气里。淡黑的起伏的连山，仿佛是踊跃的铁的兽（jǐ）似的，都远远的向船尾跑去了，但我却还以为船慢。他们换了四回手，渐望见依稀的赵庄，而且似乎听到歌吹了，还有几点火，料想便是戏台，但或者也许是渔火。