阅读理解。 Today, more and more people are using credit cards (信用卡) instead of mo
题型：0112 期中题难度：来源：
Almost anyone who has a steady income (收入) and continuous work record can apply for a credit card.
If you have a credit card, you buy a car, eat a dinner, take a trip, and even get a haircut by changing the cost
to your account (帐户). You can pay for purchases a month or two later, without any extra charge. Or you may
choose to spread out your payments over several months and pay only part of the total amount each month. If
you do this, the credit card company of the bank who sponsors the credit card will add a small service charge
to your bill. This is very convenient for customers. With the credit card in your wallet or purse, you don"t have
to carry much cash (现金). This saves your trips to the bank to cash checks. Also if you carry credit cards
instead of a lot of cash, you don"t have to be concerned about losing your money through carelessness or theft.
Credit cards are big business. Americans spend $16 billion a year on cards. Credit card companies make a
profit from the fees they charge the store and also from the fees collected from customers who pay for their
charges in monthly installments (注册). However, credit card companies sometimes have problems collecting
overdue payments from unreliable customers if they charge more than they can pay for.
Yet, in many ways, the big loser in the credit card system is not the credit card company, the store, or the
card user, but rather the general customer. The store makes up for the fees it pays to the credit card company
by increasing prices for goods and services. Stores may have more sales if they accept cards, but the added
cost to the store when credit cards are accepted instead of cash is actually passed on to all consumers in higher
prices. In this way, the cash customer suffers for the convenience the credit card customer enjoys.
B. a person with an income and work experience
C. a person with work experience but no regular income
D. a person with a regular income and an unbroken work record
B. much cash
C. many credits
D. much change
B. the card holders
C. the ordinary customers
D. the credit card companies and banks
答案
举一反三
(美国康柏电脑公司) holding its first-place position while IBM overcame (击败) Apple for the No.2 slot (表上
排名), according to Dataquest.
A total of 59.7 million computers were sold around the world with important gains (获得) in Japan and
Europe.
Compaq sold 5.99 million computers, or 10 percent of the market, unchanged from 1994.
IBM sold 4.7 million with an 8 percent share of the market compared with 8.2 percent in 1994.
Apple sold 4.7 million, or 7.8 percent of the trade, compared with 8.4 percent in 1994.
Their lost market share was taken up by Packard Bell and NEC, which sold 3.1 million and 2.8 million
computers separately.
B. IBM
C. Apple
D. NEC
B.IBM
C. Apple
D. NEC
B. 8.2%
C. 8.4%
D. 10%
B. 52%
C. 10%
D. 5%
and banks have been in disorder. In Britain, 45,000 banking jobs are now in danger.
Another financial giant has fallen in Britain. This time, it is poor HBOS which owns Halifax Bank and the
Bank of Scotland. Lloyds Banks has agreed to take over HBOS but, reports say, that has put 40,000 jobs at
risk.
The takeover comes as fears of a global financial collapse (a sudden failure) following the heavy losses
among some of the world"s biggest financial institutions. Wall Street investment bank Lehman Brothers went
into bankruptcy this week, and other large investment houses have been sold off or propped up (支撑) by the
US government. Central banks from the US, Japan and the European Union have pumped hundreds of billions
of dollars into the banking system to try to avoid a collapse. Stock markets have suffered sharp losses.
In Russia, trading on the country"s main stock exchanges was stopped for two days this week because of
the financial collapse. When controllers suspended (暂停) trading at mid-day Wednesday, Russia"s RTS Index
of leading stocks had fallen nearly 6.5percent, adding to its 50 percent drop since June 1.
But there are those who say that this is just another cycle. Business analyst Robbie Clayton says after the
boom, now it is time for the decline, and the world economy will recover. But with so much instability, experts
say the final curtain is unlikely to drop on the financial crisis any time soon.
On the streets of London"s financial sector, many say they have been left in shock and are simply waiting
to see what will happen next.
B. The financial crisis.
C. The failure of HBOS"s investments.
D. The support of the central bank for Lloyds TSB.
B.
C.
D.
B. the decline will go on for a long time
C. the crisis will affect more and more countries
D. there"ll be new economic developments after the crisis
B. They don"t believe the crisis has come.
C. They feel desperate at their own future.
D. They don"t know how to deal with it.
B. Countries react differently to global financial crisis.
C. Global financial crisis causes social problems in London.
D. Global financial crisis hits banks in London and other parts.
Somali coast, the farthest-off-shore attack to date, an officer said Tuesday.
Pirates have gone farther south and east in answer to increased patrols (巡逻) by warships off the Somali
shore. The robbing of the three ships Sunday was about 600 miles outside the normal operation area for the
international force, said a spokesman.
The spokesman said the attack so far out at sea was a clear sign that the international patrols against pirates
were having a "marked effect on pirate activity in the area".
"Once they start attacking that far out, you"re not even really talking about the Somali basin or areas of water
that have any connection with Somalia," said an officer, Roger Middleton. "Once you"re that far out, it"s just
the Indian Ocean, and it means you"re looking at trade going from the Gulf to Asia, from Asia to South Africa."
"This is the farthest robbing to date. They are now operating near the Maldives and India," said another
officer.
The three ships-the MV Prantalay l l,12, a nd l 4-had 77 members on board in total. All of them are Thai,
the spokesman said. Before the Sunday robbing, pirates held l l ships and 228 sailors.
Pirates have increased attacks over the past year in hopes of catching more dollar payments. Because of
increased patrols and defenses on board ships, the success rate (率) has gone down, though the number of
successful attacks has stayed the same year over year.
B. in the normal patrol area
C. near the Somali, coast
D. in the south of Africa
B. Pirate attacks happen in a larger area now.
C. The number of attacks has stayed the same these years.
D. Pirate attacks are as serious as before along the Somali coast.
B. The patrols are more difficult.
C. More patrols are quite necessary even in Asia.
D. The patrols only drive the pirates to other areas.
B. 77.
C. 383.
D. 305.
games together they will learn to live together. Others say that the opposite is true: those international contests
encourage false national pride and lead to misunderstanding and hatred. There is probably some truth in both
arguments, but in recent years the Olympic Games have done little to support the view that sports encourages
international brotherhood. Not only was there the tragic incident involving the murder of athletes, but the Games
were also ruined by lesser incidents caused principally by minor national contests.
One country received its second-place medal with visible indignation after the hockey final. There had been
noisy scenes at the end of the hockey match, the losers objecting to the final decisions. They were convinced
that one of their goals should not have been disallowed and that their opponents" victory was unfair. Their
manager was in a rage when he said:"This wasn"t hockey. Hockey and the International Hockey Federation are
finished." The president of the Federation said later that such behavior could result in the suspension of the team
for at least three years.
The American basketball team announced that they would not yield first place to Russia, after a disputable
end to their contest. The game had ended in disturbance. It was thought at first that the United States had won,
by a single point, but it was announced that there were three seconds still to play. A Russian player then threw
the ball from one end of the court to the other, and another player popped it into the basket. It was the first time
the USA had ever lost an Olympic basketball match. An appeal jury debated the matter for four and a half hours
before announcing that the result would stand. The American players then voted not to receive the silver medals.
Incidents of this kind will continue as long as sport is played competitively rather than for the love of the
game. The suggestion that athletes should compete as individuals, or in non-national teams, might be too much
to hope for. But in the present organization of the Olympics there is far too much that encourages aggressive
patriotism (爱国主义).
B. bred only false national pride
C. barely showed any international friendship
D. led to more and more misunderstanding and hatred
B. Hockey and the Federation are both ruined by the unfair decisions.
C. There should be no more hockey matches organized by the Federation.
D. The Federation should be dissolved.
B. the announcement to prolong the match was wrong
C. the appeal jury was too hesitant in making the decision
D. the American team was right in rejecting the silver medals
B. Athletes should compete as individuals in the Olympic Games.
C. Sports should be played competitively rather than for the love of the game.
D. International contests are liable for misunderstanding between nations.
century. Today, a large number of families in Great Britain buy furniture, household goods and cars by
installments. In the U. S., the figure is much higher than in Great Britain, and people there spend over 10
percent of their income on the installment plan.
The price of an article bought on installments is always higher than the price that would be paid by cash.
There is a charge for interest. The buyer pays one quarter or one third of the price as a down payment when
the goods are delivered to him. He then makes regular payments, weekly or monthly, until the full price is paid
up. The legal ownership of the goods remains with the seller until the final payment has been made.
Installment buying has advantages and disadvantages. It can help couples with small incomes to furnish
their homes and start housekeeping. It increases the demand for goods, and in this way helps business and
employment. There is, however, the danger that when business is bad, installment buying may end suddenly,
making business much worse. This may result in a great increase in unemployment. If the people on the
installment plan lose their jobs, they will probably not be able to make their payments. If great numbers of
people are not able to pay their installment debts there is a possibility that businessmen cannot collect their
debts and will therefore lose money. If businessmen lose money or fail to make a satisfactory profit, it
becomes more likely to have a depression. This is why, in some countries, the government controls the
installment plan by fixing the amount of the down payment and installments to discourage people from
buying more than they can pay for on the installment plan.
B. More than 10 percent American families buy things on installments.
C. Americans depend more on installment than British people do.
D. Americans spend one tenth of their income on installment buying.
B. the delivery of the goods charges extra money
C. the buyer has to pay a down payment
D. the service offered by installment plan charged extra money
B. He will stop owning the item he has bought.
C. He will have to sell what he has bought.
D. He will go into debt.
B. employment might be increased
C. people develop a good habit of saving money
D. young couples are able to furnish their homes
B. avoid depressions
C. ensure that businesses make good profits
D. ensure that people can pay for what hey buy
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