（　）是借款人以合法有效、符合银行规定条件的质物出质，向银行申请取得一定金额的人民币贷款，并按期归还贷款本息的个人贷款业务。

[单选题]The number of speakers of English in Shakespeare’s time is estimated (估计) to have been about five million. Today it is estimated that some 260 million people speak it as a native language, mainly in the United States, Canada, Great Britain, Ireland, South Africa, Australia and New Zealand. In addition to the standard varieties of English found in these areas, there are a great many regional and social varieties of the language as well as various levels of usage that are employed both in its spoken and written forms. In fact, it is impossible to estimate the number of people in the world who have acquired an adequate (足够的) working knowledge of English in addition to their own languages. The purpose for English learning and the situations in which such learning takes place are so varied that it is difficult to explain and still more difficult to judge what forms an adequate working knowledge for each situation. The main reason for the widespread demand for English is its present-day importance as a world language. Besides serving the indefinite needs of its native speakers, English is a language in which some of important works in science, technology, and other fields are being produced, and not always by native speakers. It is widely used for such purposes as meteorological and airport communications, international conferences, and the spread of information over the radio and television networks of many nations. It is a language of wider communication for a number of developing countries, especially former British colonies. Many of these countries have multilingual populations and need a language for internal communication in such matters as government, commerce, industry, law and education as well as for international communication and for entrance to the scientific and technological developments in the West.What forms an adequate working knowledge of English

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