初中初三英语作文万能素材库(热门20篇)

I did very bad in the mid-term exams two weeks ago. After that, my life

seemed to be so dark and hard. My parents felt disappointed to me, and they

always told me to study during my free time. I couldnt watch TV for more than

half an hour and I couldnt search the Internet or play games. Besides, I feel

depressed and I almost lost my heart. But yesterday, my friend came to see me.

She knew I was not happy. She encouaged me that nothing is impossible. If I

could try hard from now on, I would do good in my study. Where there is a will,

there is a way. Only confidence and hardwork can pull me out from failure. If I

want to be good as before, I have to let this failure go and restart again.

Everyone has different hobbies.Some people like to paint and others like to play basketball.I have many hobbies because I like to do many things.Let me share a few of my hobbies with you.

To begin with,I really lie games,both indoor and outdoor.I like collecting cards and playing card games with my friends.But my favorite games are vidio games.I could play them all day long.On the other hand,I also like being outside in the fresh air and sunshine,so I play a lot of sports.I like riding and rollerblading very much,but swimming is my favorite sport.

In addition,I like to draw pictures and read comics,but please dont tell my parents because they dont approve.listening to music and singing songs are things I enjoy too,and Im learning how to play an instument--the guitar.Finally,I enjoy learning English because I like speaking with foreigners and I like watching Disney cartoons.

As you can see,my hobbies keep me busy and excited.Im always looking for new things to do!

[初中英语作文：我的爱好

篇一： Times flys. My summer holiday is coming to the end. My holiday is just so so. It is not too much difference as before. At the biginning of the vacation, I was doing my homework. After all, study comes first. After I finished my homework, it was almost the end of July. It is the time for me to help my family for harvest. It is so tired to to the farm work. Howevr, being a member of our family, I have to give a hand. Watching the achievement, I felt proud though I just help a little. After finished the farm work, I found myself become much more tan. Who cares! It was my happy time, when I finished all the things. I went out with my friends almost everyday. Sometimes we played games or sport or went hiking. Sometimes we went shopping in the evening for the sun is too heavy in the daytime. We felt uncomfortable. But now there are two days left before the school opening time. So I have to stay at home for a good rest to store energy for my study. Everything is so perfect. It is 11 o’clock. I think I have to say good ninght now.

时间飞逝。我的暑假就要结束了。我的假期一般般。在假期一开始的时候，我写家庭作业。毕竟，学习是最重要的嘛。我做完作业后，几乎到了七月底了。是时候帮助家人收获了。干农活是如此的累。然而，作为家庭的一员，我不得不帮忙。虽然我只是帮了一点点，但是看着那些成果我感到很骄傲。干完农活后，我发现自己变得更黑了。不过，谁在乎呢。当我完成了所有的事情就是我的快乐时光。我几乎每天都和我的朋友出去玩。有时我们玩游戏或运动或去爬山。有时我们晚上出去购物，因为白天太阳太烈了。我们觉得难受。但现在离开学还有两天的时间。所以我必须呆在家里为学习养精蓄锐。一切都是那么的美好。现在已经十一点了。我想是该说晚安的时候了。

篇二：

Summer holiday is from July to August .It s a long time for me to do all kinds of things . I like visiting some places of

interest . And I like travelling by train . It takes me too much time , but it saves money .Sometimes I stay at home and do

my homework , sometimes I help my parents do some house work. When my parents are free , we often go to the park or

the zoo , and we have a good time there . I have a good summer holiday .

我的夏日假期暑假从7月至8。这山对我来说长的时间做各种事情。我喜欢参观一些地方的利益。我喜欢坐火车旅行。这要花我太多的时间，但它可以节省资金。有时候，我留在家里做功课，有时我帮助我的父母做一些家务。当我的父母都是免费的，我们经常去公园或动物园，我们有一个好的一段时间。我有一个愉快的暑假。

篇三：

My summer holiday begun on July 7th.I love summer holiday because I dont have to go to school and I can enjoy myself with my friends.I often spend the mornings doing my homework.And I always watch TV in the afternoon at home because its very hot outside.And in the evening,I go swimming with my family and then hang out with my friends.I love swimming very much.

我的暑假7月7日开始。我喜欢暑假，因为我不用去学校，可以和朋友玩。我经常在上午做作业，下午在家看电视，因为外面很热。傍晚，我和家人去游泳然后和朋友去逛街。我很喜欢游泳。

My plan for August is travelling.I travel with my family every summer holiday.I like travelling because I can go to different places and meet different people.Sometimes I make good friends during the journey.And its very sad to say goodbye to them when the journey ends.

我八月份的计划是去旅游。我每个暑假都和家人去旅游。我喜欢旅游是因为我可以去不同的地方认识不同的人。有时候我在旅途中交到了好朋友。旅途结束和他们告别的时候我觉得很难过。

[初中英语作文我的暑假3篇

My school

I am Alice. I am a student of No.1 Middle School. I study in Class Two Grade Seven.

There is a map of our school on the wall. The playground is in the middle of the school. On the left of the playground, there is a library. I like reading very much, so I often read books in the library. There is a teaching building behind the library. We study in that building. My classroom is on the second floor in that building. The teachers offices are in that building, too. Where is the sport hall? Oh, its on the right of the teaching building. I have P.E class in the sport hall. Thecanteenis in front of the sport hall. We have lunch and dinner in the canteen. In the school, I feel very happy!

This is my school. Its a big and nice place. I like my school very much. What about your school?

作文翻译：

我的学校

我是爱丽丝。我是一中的一名学生。我在七年级二班。

墙上有一张我们学校的地图。操场在学校的中间。操场左边是图书馆。我非常喜欢阅读，所以我经常在图书馆里看书。图书馆后面有一座教学楼。我们在那栋楼里面学习。我的教室在二楼。教师办公室也是在那栋楼。体育馆在哪里呢?噢，在教学楼的右边。我在体育馆上体育课。食堂在体育馆的前面。我们在食堂吃午饭和晚饭。在学校，我觉得很开心!

这是我的学校。是一个又大又漂亮的地方。我非常喜欢我的学校。你的学校是怎么样的呢?

My favourite great book is The Adventures of Tom Sawyer by Mark Twain.

Tom Sawyer is a lively and clever boy. He lives with his aunt Polly. His

aunt is strict with him, so he runs to an island in the middle of the

Mississippi River with two friends, Huck and Joe. With Huck, he goes looking for

treasure; with Becky, he gets lost in a cave. And finally Tom and Huck find a

box of gold. Tom is the hero of the story, but there are other important

characters. Becky is pretty with fair hair. Huck is Toms best friend, and Injun

Joe is the bad man of the story.

The theme of the story is to do with children growing up and becoming more

serious.

Almost everyone knows the famous Chinese saying:A young idler,an old beggar. Throughout history,we have seen many cases in which this saying has again and again proved to be true.

It goes without saying that the youth is the best time of life,during which ones mental and physical states are at their peaks. It takes relatively less time and pains to learn or accept new things in a world full of changes and rapid developments. In addition，one is less likely to be under great pressure from career,family and health problems when young. Therefore,a fresh mind plus enormous energy will ensure success in different aspects of life.

Of course,we all know:no pains,no gains. If we dont make every effort to make good use of the advantages youth brings us,it is impossible to achieve any goals. As students,we should now try our best to learn all the subjects well so that we can be well prepared for the challenges that we will face in the future.

[少壮不努力老大徒伤悲初中英语作文

It s the age of information now and information is very important in the society.we need verious of information to live a normal life.we need to know the lastest news ,listen to the weather forecast,learn about the newly published books and many other things we are interested in and want to know.

There are many way of acquiring information,for example we can watch TV,listen to radio, read newspaper and magazines and go on line which is to most popupar ,convienent and effective way now.

Living in such an age of information,what should we to to face up to the challenge of it?I think we should try our best to learn as much knowledge as we can and try to master the new techonology.

[Information Age初三英语作文

who gives me birth? who brings me up? who dedicates his/her whole life to me? my parents。

who gives me food? who gives me clothes? who gives me care? my parents。

my parents， they don’t want to get any reward from me。 not only my parents， all the parents in the world don’t charge anything from their children。 they give us everything they can。 they spend their whole life loving me， so i love my parents， too。 since i was given birth， i’ve started to love them even if i didn’t realize it。

it will be the time for my birthday soon。 i want to say to my parents: i love you。

[初中英语作文我爱父母

I remember once upon a time, when I was running 800meters, I felt there

seemed to be the impossible mission for me, I wanted to give up, then my teacher

told me that I should not think about the 800meters, I should set up 100meters

for myself, then I wouldn’t be so tired. I did as he told me, indeed, every time

when I finished the small goal, I was happy, in the end, I finished the running.

I learn the lesson that we need to set up the best goal, it means we can make

the small goals, which are so easy for us to realize. Then every time we finish

the small goal, we will close to our final destination.

初中英语作文:初三英语作文Sports

Sports do us good in many respects. It goes without saying that taking exercises can build up our physical strength. In collective sports like basketball, volleyball, or football, we will learn the importance of cooperation. While taking part in sports game, we will try our best to win and arouse ourselves the competitive spirit. Sports can also help us relax after a period of exhausting work. However, as the saying goes, "there are two sides to everything", and sports is without exception. We may hurt other players or ourselves if we are not careful enough when participating in sports activities. Whats more, excessive or severe training can do harm to our health.

My participation in sports tells me that sports can make us healthy both physically and psychologically. It is also a good way for people to know each other and can promote friendship between people. So long as we are carefully enough, sports can do us nothing but good.

I have a dream. When I grow up, I want to be a scientist. I want to make a

robot by myself. It can help my mother to do the housework, help my father to

drive his car, and help me to walk my dog. I think my parents will like it very

much.

Many years ago, I saw a science fiction film, which described a future

world. The way people lived was very different. They could drive cars in the

sky. Everything in the future world was so convenient. Since then, I was always

curious about how the future world would become. The fling cars seemed so

ridiculous for now, but thinking about more than 100 years ago, people never

thought about flying in the sky, but now we could take planes and traveled

around the world. Everything was possible. Whats more, the development of

technology is so fast that the world changes so much every ten years. Nowadays,

people can pay the bill online. No matter where they go, a cell phone can solve

most problems. I believe that future transportation will be much efficient and

will surprise us all.

Hello, Everybody! I am very glad to stand here to give you my introduction. I am from Liangbing Middle School. I am studying in Class 1,Grade 7. I love my hometown Liangbing because it’s a very beautiful town.

I have many hobbies, such as reading books, listening to music, surfing the Internet and traveling. But listening to music is my favorite. I like pop music best. My idol are Jay. I am a lively girl. I like making friends and chatting with them. I can play the Chinese Kungfu. I passed all ten levels when I was in Grade 5.However, because of the busy study, I don’t have any free time to practise it. What a pity!I am good at Math and English and I like English better. In my opinion, it’s very easy and fun to learn and use English and this contest is a great chance for me to learn English from others. My saying is god help those who help themselves and I will never give up during my course of learning.

Now, after listening to my introduction, do you know me well?

That’s all. Thank you!

作者：许亚岚

Dear David,

Thanks for you latter. I’m very happy when I know you will come to Changsha soon. You said you wanted to learn Chinese. I think you can learn Chinese well. Because you love Chinese and you are a good boy. Now, I will give you some advice about learning Chinese . If you want to learn Chinese well ,you should read a lot and read aloud when you begin to learn it. I think you’d better learn Pingyin fisrt, then you can watch some Chinese movies and listen to some Chinese music. If you study hared , your Chinese will be good soon.

The Moon Festival is on the 15th day of the 8th lunar month. It is one of the traditional Chinese Festivals.

On that day, the Chinese usually have a special family dinner. Each member of the family, even from far away, will go back home to have the dinner. During the dinner, they eat a lot of delicious food, watch TV programmes and chat about everything happily. They also eat moon cakes.an important kind of food of the Moon Festival. Moon cakes are always round like the moon. There is bean paste, egg-yolk, ice cream or some other nice fruits or food in them.

After the dinner, all the family members go out and enjoy the moon and the moonlight. They talk about the stories about the moon and laugh a lot.

They say there is a fairy maiden named Chang E with her rabbit and a sweet osmanthus tree on the moon. Is that true? It is just a legend. But the legend is so wonderful that we would rather believe it, right?

[初三的英语作文：The Moon Festival

3-18岁纯英式素质教育领航者：纯英式资深外教，纯英式国际领先教材，纯英式学习环境！

优尼全能英语：初三英语作文范文-我的朋友my

friend

my friend

每个人都有自己的朋友，请把你最要好或最特殊的朋友介绍给大家。词汇：

1. n. friends, parents, teachers, classmates, family, school, relatives , happiness, sadness, generation gap, feelings, friendship, communication, teamwork

2. v. make friends, understand encourage take good care of,expect, get on well with, play together, smile, trouble, talk with, quarrel with, help each other, discuss, argue, do well in enjoy oneself

3. adj. happy, sad, important, lonely , helpful, necessary

句式

1. i hope we can understand each other.

2. it’s necessary to understand each other.

3. no one can be successful only by himself.

4. there are some sayings, “friendship is sunlight in the dark.” “if there were no friendships in a city, it would become a desert.”

5. although we sometimes quarrel with each other, yet we get on well later.6. we should get on well with everyone around us.

7. the more friends you get, the happier you will be.

8. a friend can not only help you, but also bring you happiness.

9. everybody needs friends to talk with and get confidence from.

10. don’t argue, but discuss.

11. people who refuse to consider others have few friends.

12. we need to learn how to take care of other people.

13. “a friend in need is a friend indeed.”

范文

my best friend

i have not only a lot of common friends, but also a special friend. he is my father. my father isn’t tall but he is very kind and lovely. he usually helps me with my maths and physics in the evening. at weekends he plays chess, cards with me. when i am in trouble. he always help me in time. i prefer my father to any other friend. i think he is not only a good father, but also one of my best friends. i love my father very much.

说明文是阐述事物的特征、本质、性能、结构、用途或科学原理的一种文体。其说明的对象可以是具体的，如：自然环境，仪表设备等；也可以是抽象的，如概念定律等。以下是小编整理的初中英语说明文写作要点，欢迎阅读！

说明文的写作相对于论说文来说，有一定的套路可循，因此不是十分复杂。说明科技方面的内容常用定义法、比较对比法、分类法、因果法等；说明自然环境方面的内容常用时间次序法、分类法等。当然，随着对象的不同，具体应该采用的方法也会有所不同。

说明文的写作应该注意的事项有下面几点：

1.语言简明扼要，通俗易懂，避免夸张华丽的辞藻，要把真实的一面展现在读者面前。

2.说明时一定要把握一个中心主题。说明文中细枝末节较多，但不能喧宾夺主。

3.说明的次序非常重要。合理的次序会使文章条理清楚，脉络明晰。因此，练习时可以尝试不同的次序进行写作，找出最合理的一种。

4.由于说明文写实性较强，有时难免会让人感到没有生气。因此，可以适当使用一些比喻、拟人等修辞手段，来增加文章的色彩。

下面是一篇说明一所医院布局的文章。文章虽短，但需要说明的内容却达11处之多。平均一句话就要描写一处，如果组织得不好，便会给人凌乱的感觉。

为了避免这一点，文章把整个布局图分三部分来写：

贯彻医院的是main road，第一部分以大门为参照物，介绍了靠大门且通过main road东西相对的急诊楼和门诊楼。

第二部分以湖为参照物，中心线还是main road，介绍其他分诊楼、实验室、放射室等。

第三部分写main road尽头的建筑物。

这样，繁多的细节显得井井有条。因此，选择好主线及参照物是决定文章成功的关键。

Directions：For this part，you are allowed 30 minutes to write a composition about“THE LAYOUT OF A HOSPITAL”. Locate some important departments in the hospital based on the information given below.Your composition should be no less than 120 words.

（1）the Emergency Department

（2）the Out-patient Department

（3）the Surgery Department

（4）the Dispensary

（5）the Physician Department

（6）the Eye，Ear，and Throat Department

（7）the Dental Department

（8）the Laboratory

（9）the X-ray Department

（10）the Administrative Building

（11）the Ward

例文：

The Layout of a Hospital Near the gate，on the westside of the road is the Emergency Department. Opposite the Emergency Department across the Main Road is the Out-patient Department. The building to the southwest of the lake is the Dispensary，which face the Surgery Department lying on the other side of the road.Along the west wall，from south to north，stand three buildings：the Physician Department，the Eye，Ear，and Throat Department，and the Dental Department.

The Laboratory is to the northwest of the round about，and beside the Laboratory，the X-ray Department is located on the same side of the road. A winding road by the lake leads to the Ward.

Near the end of the Main Road，the Administrative Building is situated on the east side.The hospital is nicely and conveniently laid out.

MyTeacher-我的老师

MyfavouriteteacherisMissHuang.Sheisabeautifullady.Shehastwobigeyes,ahighnoseandalittleredmouth.Thereisalwaysasmileonherface.

MissHuanglikessingingandcollectingposters.Sheisgoodatplayingthepiano.Intheevening,shealwayssitsinfrontofthepianoandplaysnicemusic.Sheisgoodatdancing,too.Sometimessheteachesusdancing.

MissHuanglikesdogsverymuchbecausethedogisveryfriendlyandcute.Herfavouritecolorisblue.Becauseblueisthecoloroftheskyandthesea.

Thisismyfavouriteteacher.Ourclassmatesalllikeherverymuch.

译文：

我最喜欢的老师是黄老师。她是一位漂亮的女性。她有两只大大的眼睛，一个高高的鼻子和一张小小的红唇。她的脸上总带着笑容。

黄老师喜欢唱歌和收集海报。她钢琴弹得很好。晚上，她常常坐在钢琴前弹奏优美的乐曲。黄老师跳舞也很棒。有时她也会教我们跳舞。

黄老师非常喜欢狗，因为狗很友好也很可爱。黄老师最喜欢的颜色是蓝色，因为蓝色是天空和海的颜色。

这就是我喜欢的老师。我们班的同学都非常喜欢她。

以下是为大家整理的关于以中国的环境污染为话题的初中英语作文的文章，希望大家能够喜欢！

Directions:For this part， you are allowed 30 minutes to write a composition on the topic:

Pollution: An Increasing Concern in China You should write at least120 words following the outline below in Chinese.

1. 中国的污染的现状

2. 造成污染的原因

3. 解决的办法

Pollution: An Increasing Concern in China

It is reported that ten big cities in China are being ranked among the top twenty cities with the highest pollution index in the world. This means it is high time we did something to bring the situation under control.Many factors are contributing to the deteriorating situation: industrial wastes pumped into the air， the lakes and rivers; a increasing number of automobiles crowding into the streets; the widespread use of plastic bags etc.

To my view， stiffer laws and regulations must be implemented to check pollution. Industries that release wastes without permission should be heavily fined. Cars should be equipped to minimize the exhaust they release into the air. And the use of plastic bags and disposable meal boxes should be banned. What’s more， the media should play an important role in implanting a sense of environmental consciousness into people’s mind. If everybody works toward a common goal of making the environment better， we can create a cleaner and lovelier world for us and for the coming generation.

MyPet

Recently, three owls appeared suddenly on our campus. They made me think of my pet from childhood. When I was little, we had an owl at home. It was small, gray, and had two big eyes. We liked it very much. Every time I went home, it greeted me by making “goo-goo” sounds. We always played with it and talked to it. It would blink its eyes just like it understood what we were saying. It was like my best friend. But when the weather became colder, we forgot to keep it warm , and it died. It made us sad for a long time, and it also taught me how important it is to take care of animals.

[我的宠物初中英语作文

高考越来越近了，作文是高考语文中的重点，一篇好的作文离不开素材。下面小编整理了高考作文万能素材简短，供大家参考！

不达目的不罢休

语言大师侯宝林只上过三年小学，由于勤奋好学，他的艺术水平达到炉火纯青的程度，成为著名的语言专家。有一次，他为了买到自己想买的一部明代笑话书《谑浪》，跑遍北京所有的旧书摊也未如愿。后来，他得知北京图书馆有这本书。时值冬日，他顶着狂风，冒着大雪，一连18天都跑到图书馆去抄书，一部10万字的书，终于被他抄录到手。侯宝林正是凭着“不达目的不罢休”的坚强毅力，才成为一代相声艺术宗师的。

无腿飞行将军

苏联卫国战争期间，阿列克谢??梅列西耶大的飞机被击落，他在双腿受伤、冻坏的情况下爬行了18个昼夜，最后同到自己的阵地。双腿截肢后，他经过锻炼，重又驾驶歼击机作战。他很重视人的体育积极性，这种积极性对健康和精神状态都是不可缺少的。他从童年时代起就喜欢运动，喜欢划船，踢过足球，当过守门员。他停飞后每天早晨拼命锻炼。每天早晨洗冷水澡，以此预防感冒。

为失败做准备

在美伊战争中，伊拉克总统萨达姆扬言，他已摆好城市游击巷战的阵势恭迎美国大兵。在摩加迪吃过巷战苦头的美军不敢掉以轻心，他们在苦练怎么打胜仗的同时，也在苦练打败仗后如何当俘虏。战俘训练课程的名称是“超压力灌输”，包含四大科目——野外生存、躲藏逃脱、积极抵抗、保命要紧。训练以近乎残酷的方式进行，但是却是必要的。它可提高人的生理和心理承受能力，一旦身临绝境，就可以从容应付。

90%的玄机

有这样一道数学题：90%×90%×90%×90%×90%=? 结果是59%。

如果抛开简单的数学意义，这个等式说明什么问题，从小到大，无数次应对过各种考试的我们都知道，60分是及格线，100分似乎比较难，而90分是一个可以引以为豪的分数了。工作中也是如此，很多人认为“把工作做到60%太危险，会被公司炒鱿鱼;做到100%太辛苦，也不太现实;把工作做到90%就很不错了”。这种说法似乎很有道理，但是工作的过程是由一个一个细微的环节串联而成的，每个环节都以上一个环节为基础，各个环节之间相互影响的关系以乘法为基准最终产生结果，而不是百分比的简单叠加。环环相扣的一系列过程结束后，“很不错”的 90分最终带来的结果可能是59分–一个不及格的分数，这就是过程控制效应。

一个集约化的现代经营过程需要经过构思、策划、设计、讨论、修改、实施、反馈、再修正等诸多环节。如果你不能够在每个环节认真对待，对每一个环节及时反馈和修正，不致力于每一个环节的完美，而是想当然地认为“结果不会有太大问题”，那么，最终的结局可能就是这个环节你做到了90%，下一个环节还是 90%，在5个环节之后，你的工作成绩就不是平均值90%，而是 59%–一个会被激烈的竞争环境淘汰的分数。在有些情况下可能还会低于这个分数，甚至变成负数!

到了这个时候，你再回过头来按照100%的标准进行“检修”，就可能意味着整个项目、整个工程都需要“推倒重来”，意味着时间和资源的浪费，意味着效率低下和错失时机，意味着先前的努力付诸东流。90%×90%× 90%×90%×90%=59%，这个简单的等式数学之外的意义就是执行过程不能打折。

“二五O”定律

美国著名推销员吉拉德在长期工作中发现，每一位顾客的身后，大体上都有二百五十名亲朋好友，这些人又会有同样多的各种关系。他把这一现象名为“二五零”定律。开罪一名顾客，将会失去几十名、数百名甚至更多的潜在顾客，相反则会产生同样大的正效应。善待刺头顾客尤为重要。美国一家销售家具的公司规定，凡在本店购买的商品，如不中意，六个月内可退，两年之内包换。

一天公司一家商店来了一位老妇人，手拿一只破旧不堪的门厅用的伞桶，说是不喜欢，执意要求退换。这伞桶已经用了七年，只能够扔进垃圾桶了。这样非分要求按理说完全可以置之不理，但商店经理认真思考后，果断决定给予换货。你是否会问，这样做，岂不是助长了一些人的占便宜行为?其实不然，这家商店经理深知：这样的“刺头”顾客虽是极少数，但是很有影响力。

如果对他们分问题不妥善解决，那他们很可能会四处散播不瞒言论，使不明真相的人对公司信誉产生怀疑;反之，在可能的情况下满足了他们的要求，他们可能也会提供现身说法，为公司带来更多的新顾客，这就是吉拉德说的“二五零”定律。

犹太人的“宇宙法则”

犹太人有5000年的悠久历史，其灿烂的文化曾光耀整个世界，其中也深藏着许多神秘的东西。“78∶22”就是散布在世界各地的犹太人世代相传的神秘法则–宇宙法则。“宇宙法则”有似中国的太极图和道家的八卦，是对客观世界的一种认识。

“太极图”显示世界由阴阳两极构成，而犹太人的“宇宙法则”认为：世界的一切都是按78∶22的比例存在的。比如，地球上的空气成分是：氮与氧的比例为78∶22；我们身体内的水与其他物质的比也是78∶22;犹太人做生意时喜欢按78∶22来剖析每桩买卖的相互比例。如世上“放款的人”多，还是“借款的人”多?一般人回答：“借款的人”多。但是犹太人老早就已发现：“放款的人”远远高于“借款的人”，其比例是78∶22。很简单，银行是靠借很多“放款的人”的钱，再转借给少数“借款的人”而生存的。