答案：

　　I. Phonetics

　　1-5 DCDDC

　　II. Vocabulary and Structure

　　6-10 BCADB 11-15 BDBBD 16-20 BCAAD 21-25 CDBDD

　　III. Cloze

　　26-30 DDBDB 31-35 DACBA 36-40 CCADD

　　IV. Reading Comprehension

　　41-45 BADAB 46-50 DCCBB 51-55 CBCAB 56-60 CADCB

　�、�.Writing

　　West Bank

　　Dear Sir or Madam:

　　I am writing to apply for a loan of RMB 10 000 from your bank to start a small shop.

　　I am planning to use the loan in the following ways: I will spend 2 000 to rent a room as the shop; 1 000 to buy some pieces of furniture such as desks, counters and shelves; 7 000 to buy some goods I can sell such as T-shirt, shoes, clothes and blue jeans. I hope to get the loan by the end of next month this year.

　　Thank you very much for your help in advance and I am looking forward to hearing from you soon.

　　Faithfully yours,

　　Wang Facai