---
title: Identify the principal reason for which a bank assesses the creditwo… — What a bank does with your money and w… · tree and pragmatics
description: Identify the principal reason for which a bank assesses the creditworthiness of an applicant before advancing a loan. Exam question 4 of lesson 28 «What a bank does with your money and why banks lend» of the money course of Mova's primary school, with the dependency tree and pragmatics of the questi
---

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# Exam question 4 · What a bank does with your money and why banks lend

<!-- .ven lang=en -->
Identify the principal reason for which a bank assesses the creditworthiness of an applicant before advancing a loan.

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 1 · right ✓ · **Who acts:** you, bank · **What happens:** identify, assess, advance · **To what, where:** principal reason, creditworthiness, loan

<!-- .vabout -->
This is exam question 4 of lesson 28 «What a bank does with your money and why banks lend» of the money course of Mova's primary school, asked in stiff, formal language. The page gives the question's syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause, then the 4 options as the student saw them, each with its tree and pragmatics. Every text is parsed by Mova itself. How the student answered it, with the score of every option and why: [the test at school](https://md.mova.elamur.ai/free/en/school-run/money/28-what-a-bank-does-with-your-money/#e4).

## The question {#question}

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:e4:1
# text = Identify the principal reason for which a bank assesses the creditworthiness of an applicant before advancing a loan.
1	Identify	identify	VERB	VB	Mood=Imp|VerbForm=Fin	0	root	_	_
2	the	the	DET	DT	Definite=Def|PronType=Art	4	det	_	_
3	principal	principal	ADJ	JJ	Degree=Pos	4	amod	_	_
4	reason	reason	NOUN	NN	Number=Sing	1	obj	_	_
5	for	for	ADP	IN	_	6	case	_	_
6	which	which	PRON	WDT	PronType=Rel	9	obl	_	_
7	a	a	DET	DT	Definite=Ind|PronType=Art	8	det	_	_
8	bank	bank	NOUN	NN	Number=Sing	9	nsubj	_	_
9	assesses	assess	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	acl	_	_
10	the	the	DET	DT	Definite=Def|PronType=Art	11	det	_	_
11	creditworthiness	creditworthiness	NOUN	NN	Number=Sing	9	obj	_	_
12	of	of	ADP	IN	_	14	case	_	_
13	an	a	DET	DT	Definite=Ind|PronType=Art	14	det	_	_
14	applicant	applicant	NOUN	NN	Number=Sing	11	nmod	_	_
15	before	before	SCONJ	IN	_	16	mark	_	_
16	advancing	advance	VERB	VBG	Tense=Pres|VerbForm=Part	9	advcl	_	_
17	a	a	DET	DT	Definite=Ind|PronType=Art	18	det	_	_
18	loan	loan	NOUN	NN	Number=Sing	16	obj	_	SpaceAfter=No
19	.	.	PUNCT	.	_	1	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **identify** | imperative | you *not said here* | the principal reason |  |  |  |  | vn characterize-29.2-1-1 «NP V NP S\_ING»: agent=Agent reason=Theme |
| 2 | **assess** | present | a bank | the creditworthiness of a applicant |  |  |  | for the principal reason | vn assessment-34.1 «NP V NP PP.attribute»: agent=Agent creditworthiness=Theme for which=Attribute |
| 3 | **advance** | gerund | a bank *not said here* | a loan |  |  |  |  | vn caused\_calibratable\_cos-45.6.2-1 «NP V NP.patient»: agent=Causer loan=Patient |

<!-- .note -->
One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

## The options {#options}

### Option 1 · ← Mova's choice · ✓ the right answer {#o1}

<!-- .ven lang=en -->
The protection of depositors' funds against loans that are not repaid

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:e4:o1:1
# text = The protection of depositors' funds against loans that are not repaid
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	protection	protection	NOUN	NN	Number=Sing	0	root	_	_
3	of	of	ADP	IN	_	6	case	_	_
4	depositors	depositor	NOUN	NNS	Number=Plur	6	nmod:poss	_	SpaceAfter=No
5	'	's	PART	POS	_	4	case	_	_
6	funds	fund	NOUN	NNS	Number=Plur	2	nmod	_	_
7	against	against	ADP	IN	_	8	case	_	_
8	loans	loan	NOUN	NNS	Number=Plur	6	nmod	_	_
9	that	that	PRON	WDT	PronType=Rel	12	obj	_	_
10	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	12	aux:pass	_	_
11	not	not	PART	RB	Polarity=Neg	12	advmod	_	_
12	repaid	repay	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	8	acl:relcl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **not** **repay** | present · passive |  | loans |  |  |  |  | vn equip-13.4.2-1 «NP V NP.recipient»: that=Recipient |
| 2 | **protect** |  |  | depositors's funds against loans |  |  |  |  | nom protection «act transitive»: of=patient |
| 3 | **fund** |  | depositors |  |  |  |  | against loans | nom fund «possession transitive»: poss=agent against=obl |

### Option 2 {#o2}

<!-- .ven lang=en -->
The compilation of a record of the applicant's hobbies

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:e4:o2:1
# text = The compilation of a record of the applicant's hobbies
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	compilation	compilation	NOUN	NN	Number=Sing	0	root	_	_
3	of	of	ADP	IN	_	5	case	_	_
4	a	a	DET	DT	Definite=Ind|PronType=Art	5	det	_	_
5	record	record	NOUN	NN	Number=Sing	2	nmod	_	_
6	of	of	ADP	IN	_	10	case	_	_
7	the	the	DET	DT	Definite=Def|PronType=Art	8	det	_	_
8	applicant	applicant	NOUN	NN	Number=Sing	10	nmod:poss	_	SpaceAfter=No
9	's	's	PART	POS	_	8	case	_	_
10	hobbies	hobby	NOUN	NNS	Number=Plur	5	nmod	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **compile** |  |  | a record of the applicant's hobbies |  |  |  |  | nom compilation «communication transitive»: of=patient |
| 2 | **record** |  |  | the applicant's hobbies |  |  |  |  | nom record «communication transitive»: of=patient |

### Option 3 {#o3}

<!-- .ven lang=en -->
The determination of the colour of the applicant's account

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:e4:o3:1
# text = The determination of the colour of the applicant's account
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	determination	determination	NOUN	NN	Number=Sing	0	root	_	_
3	of	of	ADP	IN	_	5	case	_	_
4	the	the	DET	DT	Definite=Def|PronType=Art	5	det	_	_
5	colour	colour	NOUN	NN	Number=Sing	2	nmod	_	_
6	of	of	ADP	IN	_	10	case	_	_
7	the	the	DET	DT	Definite=Def|PronType=Art	8	det	_	_
8	applicant	applicant	NOUN	NN	Number=Sing	10	nmod:poss	_	SpaceAfter=No
9	's	's	PART	POS	_	8	case	_	_
10	account	account	NOUN	NN	Number=Sing	5	nmod	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **determine** |  | the colour of the applicant's account |  |  |  |  |  | nom determination «act intransitive»: of=agent |
| 2 | **account** |  | the applicant |  |  |  |  |  | nom account «communication transitive»: poss=agent |

### Option 4 {#o4}

<!-- .ven lang=en -->
Compliance with a requirement that loans be refused to all applicants

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:e4:o4:1
# text = Compliance with a requirement that loans be refused to all applicants
1	Compliance	compliance	NOUN	NN	Number=Sing	8	nsubj:pass	_	_
2	with	with	ADP	IN	_	4	case	_	_
3	a	a	DET	DT	Definite=Ind|PronType=Art	4	det	_	_
4	requirement	requirement	NOUN	NN	Number=Sing	1	nmod	_	_
5	that	that	PRON	WDT	PronType=Rel	6	nsubj	_	_
6	loans	loan	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	8	aux:pass	_	_
7	be	be	AUX	VB	VerbForm=Inf	8	aux:pass	_	_
8	refused	refuse	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	0	root	_	_
9	to	to	ADP	IN	_	11	case	_	_
10	all	all	DET	DT	PronType=Tot	11	det	_	_
11	applicants	applicant	NOUN	NNS	Number=Plur	8	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **refuse** | present · passive |  | Compliance with a requirement |  |  |  | to all applicants | vn reject-77.2 «NP V NP»: subject=Theme |

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**Text:** the tests of Mova's primary school, written for Mova (`world/data/school/`), as the course runner gave them to the student. **Trees:** Mova's own parse — the `en` model on the CPU, when the site is built — not checked by a teacher; they may be wrong. **Frames:** Mova's frames reader (`prag`), each text read on its own. Elamur Cosmic License.

<!-- /div -->

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- next →: [Jobs and what people earn, test 1](https://md.mova.elamur.ai/free/en/corpora/questions/money/29-jobs-and-what-people-earn/t1/)
- ↑ back to [What a bank does with your money and why banks lend](https://md.mova.elamur.ai/free/en/corpora/questions/money/28-what-a-bank-does-with-your-money/)