If your parents take out a loan, remind themselves to make the payments on time. Otherwise it will become a negative record in their personal credit reports, which are playing an increasingly big role in people's daily lives. A story carried by Chongqing Morning Post in June, underlines this trend.
According to the report, a Chongqing student borrowed money from the bank to finance his university studies. After he graduated in 2005, he went to work in Shenzhen. Later, he wanted to buy a house using loans. But several banks turned down his loan applications. The reason was that he had not paid back 1,500 yuan he borrowed from a bank when he was at university.
A personal credit rating is becoming an essential “pass” in everyday life, as China establishes a nationwide credit database. Personal credit systems go back 150 years. In developed countries, enterprises and banks use them to decide whether or not to loan money or do other business with a person.
A credit report estimates the credit worthiness of an individual, a company, or even a country. It is an evaluation made by credit bureaus of a borrower's overall credit history and his or her ability to repay debt. A poor credit rating means a high risk of defaulting on a loan, and thus leads to the refusal of a loan by the lender.
Today in China, credit history in banks is the major content of a credit report. But in the future, reports will include information about the payment of telephone bills, water use fees, electricity and natural gas bills, and taxes, according to officials of the People's Bank of China, the central bank.
Personal information such as appearance, genetic data, fingerprints, blood type, disease history, ethnic identity, family and religious beliefs are not to be included in credit reports, according to a draft regulation on credit rating issued last year by the Sate Council. The authors of the draft have just finished soliciting(征求) public opinions.
The Credit Reference Center run by the People's Bank of China is in charge of developing a nationwide credit database. Credit reports for all people with bank transactions (交易)began in 2006.
A personal credit rating is important to the social and economic activities of a person. According to the draft, if you have a personal negative credit record, it will be kept for five years.The author took the story as an example in order to ________.
| A．warn us of the importance of our personal credit report |
| B．tell us the story of a Chongqing student |
| C．encourage us to use credits widely |
| D．inform us to apply for a loan at university |
Credit reports will include the following except ________.
| A．taxes | B．telephone bills |
| C．water use fees | D．genetic data |
According to the passage, which of the following statements is TRUE?
| A．Personal credit systems go back 150 years in China. |
| B．You can turn to the People's Bank of China for the information about your credit report. |
| C．Credit history in banks is the only content of a credit report. |
| D．Credit reports began in 2006 in China. |
What's the best title for the passage?
| A．A Credit Report Rating |
| B．Credit in China |
| C．Credit Really Counts |
| D．Credit Report Contents |
I used to watch her from my kitchen window. She seemed so small as she muscled her way through the crowd of boys on the playground. The school was across the street from our home and I would often watch the kids as they played during break. I remember the first day I saw her playing basketball. I watched in wonder as she ran circles around the other kids. She managed to shoot jump shots just over their heads and into the net. The boys always tried to stop her but no one could. I began to notice her at other times, basketball in hand, playing alone.
One day I asked her why she practiced so much. Without a moment of hesitation she said, “I want to go to college. The only way I can go is to get a scholarship. I am going to play college basketball. I want to be the best. My Daddy told me if the dream is big enough, the facts don’t count.” Well, I had to give it to her—she was determined. I watched her through those junior high years and into high school. Every week, she led her school team to victory.
One day in her senior year, I saw her sitting in the grass, head in her arms. I walked across the street and sat down in the cool grass beside her. Quietly I asked what was wrong. “Oh, nothing,” came a soft reply, “I am just too short.” The coach told her that at 5’5” she would probably never get to play for a top ranked team—much less offered a scholarship—so she should stop dreaming about college. She was heartbroken and I felt my own throat tighten as I sensed her disappointment. I asked her if she had talked to her dad about it yet. She told me that her father said those coaches were wrong. They just did not understand the power of a dream. He told her that if she truly wanted a scholarship and that nothing could stop her except one thing — her own attitude.
The next year, as she and her team went to the Northern California Championship game, she was offered a scholarship and on the college team. She was going to get the college education that she had dreamed of.The author was probably the girl’s .
| A．brother or sister | B．friend | C．mother | D．teacher |
Why was the girl heartbroken ?
| A．She was considered too short to be a top player. |
| B．Her coach stopped her training because of her height. |
| C．She couldn’t be on a college basketball team. |
| D．She wouldn’t be admitted by an ideal college. |
We can learn from the passage that .
| A．her family wouldn’t like to pay her college fee |
| B．her father forced her to play basketball in collage |
| C．being a top basketball player can win you a scholarship for college |
| D．she wouldn’t like to turn to his father for help when in difficulty |
Which word can best describe her father ?
| A．Encouraging. | B．Optimistic. | C．Stubborn. | D．Cruel. |
Which proverb best matches the story ?
| A．Practice makes perfect. | B．Rome was not built in a day. |
| C．Where there is a will, there is a way. | D．Pride comes before a fall. |
It’s interesting that the arrival of snow has effect on people in different countries. For some countries it is an important happening to celebrate each year, while for others a catastrophe(灾害) or even a wonder.
But there are countries between these two kinds that normally expect snow some time over the winter months, but never receive snow regularly or in the same quantities every year. Britain is one of them, for which the arrival of snow quite simply causes problems. Within hours of the first snowfalls, however light, roads are blocked, trains and buses have to stop in the middle of the way. Normal communication is affected as well: telephone calls become difficult and the post immediately takes more time than usual. And almost within hours, there are also certain shortages----bread, vegetables and other things-----not because all these things can no longer be produced or sent to shops, but mainly because people are frightened and go out and store up with food and so on…just for fear that something bad should happen.
But why does snow have this effect? After all, the Swiss, the Austrians and the Canadians don‘t have such problems. It is simple because there is not enough planning and preparation. We need money to buy equipment to deal with snow and ice. To keep the roads clear, for example, requires snow-ploughs(扫雪机) and machines to spread salt. The reason why a country like Britain does not buy snow-ploughs is that they are used for a few days in any one year, and the money could be more useful in other things such as hospital, education, helping the old and so on..
According to the writer, Britain is a country ________.
| A．which has regular snow | B．which is not well prepared for snow |
| C．for which snow is a catastrophe | D．for which snow is a wonder |
After a few hours’ snowing there are often some shortages of food because ______.
A. shops have closed down B. people buy as much as they can
B. farmers cannot produce any more D. people eat more vegetables in winter
The words "two kinds" in the passage mean the countries ______.
| A．which have weather as yearly happening to celebrate or as rare(少见) weather |
| B．which either have heavy snow or light snow |
| C．to which snow either causes problems or no problems |
| D．which either have snow-ploughs or no snow-ploughs |
The greatest recent social changes have been in the lives of women. During the twentieth century there has been a remarkable shortening of the time of a woman’s life spent in caring for children. A woman marrying at the end of the nineteenth century would probably have been in her middle twenties, and would be likely to have seven or eight children, of whom four or five lived till they were five years old. By the time the youngest was fifteen, the mother would have been in her early fifties and would expect to live a further twenty years, during which health made it unusual for her to get paid work. Today women marry younger and have fewer children. Usually a woman‘s youngest child will be fifteen when she is forty-five and can be expected to live another thirty-five years and is likely to take paid work until retirement(退休) at sixty. Even while she has the care of children, her work is lightened by modern living conditions.
This important change in women’s life-pattern has only recently begun to have its full effect on women‘s economic position. Even a few years ago most girls left schools at the first chance, and most of them took a full-time job. However, when they married, they usually left work at once and never returned to it. Today the school-leaving age is sixteen, many girls stay at school after that age, and though women usually marry younger, more married women stay at least until shortly before their first child is born. Very many more afterwards return to full or part-time work. Such changes have led to a new relationship in marriage, with the husband accepting a greater share of the duties and satisfactions of family life, and with the both husband and wife sharing more equally in providing the money, and running the home, according to the abilities and interests of each of them.
According to the passage, around the year 1900 most women married ________.
A. at about twenty-five B. in their early fifties
C as soon as possible after they were fifteen
D. at any age from fifteen to forty-five
We are told that in a common family about 1900 _________.
| A．many children died before they were five |
| B．seven or eight children lived to be more than five |
| C．the youngest child would be fifteen |
| D．four or five children died when they were five |
When she was over fifty, the late nineteenth-century mother _________.
| A．would be healthy enough to take up paid jobs |
| B．was usually expected to die fairly soon |
| C．would expect to work until she died |
| D．was unlikely to find a job even if she wanted one |
According to the passage, the women of today usually _________.
| A．marry instead of getting paid work | B．marry before they are twenty-five |
| C．have more children under fifteen | D．have too few children |
Recently, a professor of philosophy in the United States has written a book called Money and the Meaning of Life. He has discovered that how we deal with money in our day-to-day life has more meaning than we usually think. One of the exercises he asked his students to do is to keep a record of every penny they spend for a week. From the way they spend their money, they often see what they really value in life.
He says our relation with others often becomes clearly defined when money enters the picture. You might have wonderful friendship with somebody and you think that you are very good friends. But you will know him only when you ask him to lend you some money. If he does, it brings something to the relationship that seems stronger than ever before. Or it can suddenly weaken the relationship if he doesn’t. This person may say that he has a certain feeling, but if it is not carried out in the money world, there is something less real about it.
Since money is so important to us, we consider those who possess a lot of it to be very important. The author interviewed some millionaires in researching his book.
Question: What is the most surprising thing you have discovered about being rich, because you are a self-made man?
Answer: The most surprising thing is how people give me so much respect. I am nothing. I don‘t Know much. All I am is rich.
People just have an idea of making more and more money, but what is it for? How much do I need for any given purposes in my life? In his book, the professor uncovered an important need in modern society: to bring back the idea that money is an instrument rather than the end. Money plays an important role in the material world, but expecting money to give happiness may be missing the meaning of life.According to the first paragraph, people have not realized ________.
| A．how important money is in their day-to-day life |
| B．how one spends money shows what is important to him |
| C．that money is more important than their philosophy of life |
| D．that their understanding of life is more important than money |
The author seems to believe that asking your friend to lend you some money ________.
| A．is a good way to test your friendship |
| B．will do harm to your friendship |
| C．will strengthen your friendship |
| D．is a good way to break off your friendship |
What can we learn about the millionaire from his answer in the interview?
| A．He does not feel that he is well educated. |
| B．He does not think that he is a very important person. |
| C．He does not think that being rich deserves so much attention. |
| D．He does not consider himself to be very successful. |
What does the American professor of philosophy want to explain in his book?
| A．Money is an end. | B．Money is a means. |
| C．Money is everything. | D．Money is unimportant. |
Lillian Hanson, a college student, expects to graduate in about two years. What makes Mrs Hanson different from her classmates is her age-----73 years. She has been studying at college, a few courses at a time, for 27 years.
When Lillian Hanson graduated from high school, she went to the bank to borrow money for further education. The banker gave her no encouragement. He didn‘t think that a country girl should borrow money to go to college. He thought she should be at home doing work in the house or around the farm. So Lillian Hanson went home and raised a family of nine children instead of going to college. Mrs Hanson never forgot her dream of getting a higher education. When her children were grown, she tried again.
She finds that it is the hardest part of going back to school at her age to sit in class for long periods of time. Because she is not as quick as she used to be, Mrs Hanson often gets up and walks around classes to keep from getting stiff(不灵活). At the beginning of a course in using the computer, the other students all stood up to give her a warm welcome when she introduced herself and explained why she was there and what her aims were. Mrs Hanson couldn’t go to college immediately after she graduated from high school because _____.
| A．she hadn‘t got enough money | B．she was a country girl |
| C．the banker ordered her not to borrow any money | |
| D．the banker thought she should raise a family of nine children |
The computer students welcomed Mrs Hanson warmly because ______.
| A．she had got an excellent result in the exam |
| B．she was good at telling funny stories |
| C．they wanted to get her help in their studies |
| D．they were deeply moved by her spirit |
Mrs Hanson is the sort of person who ________.
| A．cares for study very much | B．likes to borrow money from the bank |
| C．never misses a chance to talk | D．tries to save any money for her family |
In which order did Mrs Hanson do the following things?
a. she began her studies at college.
b. She finished high school.
c. She got married and gave birth of nine children.
d. She had her 73 rd birthday.
e. She went to the bank to borrow money.
| A．a c b e d | B．b e c a d | C．b c e d a | D．e d a c b |
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