托福寫作機經：09年1月17日（北美）

　1.microcredit 是種小額貸款吧。

　　閱讀：可以減輕貧困，because it can help the poor start their business.但是這個辦法存在問題，不可行。1st，the poor do not have much knowledge and experience about running business, 會導致失敗 2nd，bank 辦手續花錢，所以能借出去的有限 3rd，microcredit spend money of the government, 而**本可以把錢花到跟實際的地方，比如教育，基礎設施來減輕貧困

　　聽力：against reading。microcredit可行。1，可以教the poor，how to budget balance, how to low cost.... e.g some organizations in India do so. 2, bank can lend money to group instead of individual，thus the cost is limited and the bank can lend more money. 3, the money of microcredit come from non-government institutions. on the other hand, it saves money of government. the government can spend more money on more important projects.

　　2. Do you agree or disagree with the following statement:The advertising is the main cause of unhealthy eating habits

　　【補充對照】

　　mirco cridit 就是小額貸款什么的給 poor

　　passage:

　　(1), 認為沒用，因為the poor 沒有business 的經驗， 聽力中反駁，說可以 educate them, 并舉了例子 india, teach them how to finance, how to buget

　　(2). 增加銀行 administrative cost, 聽力中 說可以 給 a small of group, instead of each person , 這樣的話， cost 也不會增加

　　(3). 這樣的話 政府 投資給poor的會減少。 聽力反駁， 說這樣的話，比如窮人從international 機構中 獲得貸款之后， goverment save money 可以用于 bridges and road什么的。

　　2、獨立作文：廣告是否是不健康飲食的主要原因/advertising is the main cause of unhealthy eating habits?