金钱— Part 1 评分报告

建议: Your answer is clear, relevant and concise with a good reason and an example. To improve to a higher band, make the reply slightly more natural by varying vocabulary, adding a brief linking phrase for coherence, and keeping sentences shorter to avoid sounding rehearsed. Also include a quick personal comment to make it more natural (e.g. how you manage expenses instead).

示例: I’ve never borrowed money from anyone because I find money can strain relationships. For instance, I’ve seen friends grow distant or argue when loans aren’t repaid. Therefore, I prefer to budget carefully and use my savings instead.

建议: This answer gives an appropriate personal experience and consequence, but it is a bit long and slightly repetitive. Improve coherence by using linking words (for example, 'however' or 'as a result'), correct minor grammar ('credit card debt'), and limit to three to four sentences. Add a brief reflection on what you learned to show insight.

示例: Yes, I have, but only to people I trust. For example, at university I lent money to a close friend to help with his credit card debt; however, he never repaid me. As a result, I’m now much more cautious and usually set conditions or avoid lending large sums.

× No, I have never borrowed money from others because money is a sensitive matter and can damage relationships.

✓ No, I have never borrowed money from anyone because money is a sensitive matter and can damage relationships.

Use 'anyone' instead of 'others' after a negative verb phrase. 'Anyone' is the appropriate indefinite pronoun in negative sentences; 'others' typically refers to other specific people and is less natural here. Suggestion: use 'anyone' with negative forms (have never borrowed anyone/ anybody).

× For example, I know people who become distant or start arguing when money is involved, so I prefer to avoid owing anyone.

✓ For example, I know people who become distant or start arguing when money is involved, so I prefer to avoid owing anyone money.

The original sentence is grammatically acceptable, but adding 'money' after 'owing anyone' clarifies the object and reads more naturally. This addresses a missing object rather than a strict plural error; include the noun to avoid ambiguity.

× Yes, I have. I only lend money to people who are close to me.

✓ Yes, I have. I only lend money to people who are close to me.

This sentence is grammatically correct; no article change is needed. It is included here to confirm correctness: 'people' is plural and 'who are close to me' is correct. No change required.

× For example, when I was at university, I lent some money to a friend to help him pay his bills and credit cards debt, but he never repaid me.

✓ For example, when I was at university, I lent some money to a friend to help him pay his bills and his credit card debt, but he never repaid me.

Use 'credit card debt' (singular) or 'credit card debts' (plural) and include the possessive 'his' to be clear. 'Credit cards debt' is incorrect noun phrase order. Correct form: 'his credit card debt' or 'his credit card debts'. Suggestion: use 'his credit card debt' for clarity.

× Since then I have been much more careful about lending money.

✓ Since then, I have been much more careful about lending money.

Add a comma after 'Since then' for clarity. The tense 'have been' (present perfect continuous/state) is correct here to describe a change from the past until now. No tense change required; punctuation improves readability.