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2010年职称英语考试综合A模拟试题及答案(二)

2009-06-25来源:
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  第一篇 How Do American Consumers Borrow?
  Young consumers often have not established their credit ratings. Many do not have steady incomes. They might have difficulty borrowing money from an agency in business to make loans. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have to have money available and be willing to lend it. You might even get an interest-free loan. However, a parent or relative who lends should receive the same interest as any other lender.
  There are disadvantages in borrowing from parents or relatives. One is that they may not insist on you paying back the money by a certain time. As a result, you might let the loan drag on. This is especially true if you are not required to pay interest. This is not a way to develop good credit habits.
  For most consumers, the cheapest place to borrow is at a commercial bank. Banks are a good source of installment loan which may run for 12 months or up to 30. Most banks also make single payment loans to consumers for short periods—30, 60, or 90 days.
  The newest type of bank loan is one that a depositor can get simply by writing a check. It is usually called something like “ready credit” or “reserved checking. ” It works like this. A depositor is given a limited amount of credit, usually between $500 and $1,000. He or she may write checks up to the amount allowed. Once a check has been written, the amount of the check becomes a loan. Usually no charge is made for interest until the loan is made. A typical interest rate is 3 cents per$100 per day, or just under 1 percent a month. Suppose that you used $100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.
  The advantage of borrowing from a bank is that banks generally charge lower rates than most other lenders. One reason is that banks have more strict credit requirements than most other lenders. A consumer must have a fairly good credit rating to get a bank loan.
  31 Which of the following is NOT true?
  A The newest type of bank loan is simple to get.
  B Bank loans are more difficult to get.
  C Banks charge higher interest rates.
  D Banks offer loans to those having a fairly good credit rating.
  32 One of the disadvantages in borrowing from parents or relatives is that
  A parents or relatives will ask the young people to pay back soon.
  B it will not help young people to develop a good credit habit.
  C they always charge interest.
  D they always charge higher rates than other lenders.
  33 Most commercial banks offer
  A installment loans that may run from 12 to 30 months.
  B installment loans that may run from 30 to 90 days.
  C single-payment loans that may run from 30 to 90 days.
  D single-payment loans that may run from 12 to 30 months.
  34 “Ready credit” or “reserved checking”
  A is designed to give the depositor a check.
  B allows the depositor to write a check to pay any amount.
  C allows the depositor to borrow money from a bank by writing a check.
  D allows the depositor to charge an interest.
  35 According to the first paragraph, young people
  A have difficulty borrowing from their parents or relatives.
  B can’t get an interest-free loan from their parents or relatives.
  C always borrow money from an agency.
  D usually borrow from their parents or relatives.
  第二篇 Road Trip Vacations
  It’s summer. In the United States, it’s the season of swimming pools, barbeques, camping and road trips.
  Road trip vacations where the car journey is part of the fun are especially popular with college students, who like to explore the country on wheels. These budget trips are ideal for students who often have plenty of free time but little money.
  "Ever since I went to college, I’ve been traveling around a lot, exploring the country," said Austin Hawkins, a 19-year-old college student from New York. This summer, Hawkins and his friends have spent weekends traveling in New England.
  The best part about car trips, said Hawkins, is that you can be spontaneous. "On a road trip, if you get interested in things you see along the way you can stop and explore."
  Matt Roberts, a 20-year-old student from Ohio who drove to Montreal, Canada, agrees. "With road trips you don’t have to plan in advance, you can just get into a car and drive."
  Even with high gas prices, driving with friends is cheaper than flying. Roberts paid about 40 dollars for gas, but a round trip plane ticket would have cost nearly 400 dollars.
  Driving trips first became popular in the 1920s. Newly paved roads and improved cars made it possible to travel longer distances. Motels started appearing outside cities.
  By the 1950s, car ownership became the norm. Construction of the US interstate highway system began in 1956 and motel and restaurant chains popped up1 everywhere making long distance trips easier.
  Today, the US has the highest car ownership rate in the world. Only 8 percent of American homes have no car, according to the most recent US census.
  Though many college students don’t own a car, most have access to one. On many of Hawkins’ trips, they used a borrowed van.
  Hawkins’ most memorable road trip took place over spring break. He and two friends drove from New York to New Orleans to volunteer, helping rebuild the city after HurricaneKatrina hit it last July. They crossed the country in two days and slept in their car in church parking lots.
  Roberts’ road trip to Canada last winter was even more eventful. Upon arriving in Montreal, they were lost in a blizzard and shivering in the -250 cold. To find their hotel, they turned on a laptop and drove around in circles until they found a spot with wireless Internet coverage.
  "I know we should have planned better, but we’re young. Now, when I see those guys I always say: ’Remember when we were lost in the snow storm!’ I’ll never forget that."
  36. The word blizzard in paragraph 12 can be replaced by
  A) snowstorm.
  B) hurricane.
  C) mist.
  D) fog.
  37. What will Hawkins do when he sees something interesting on a road trip?
  A) He will turn back.
  B) He will drive around.
  C) He will stop to explore.
  D) He will stop exploring.
  38. When did motels suddenly appear?
  A) After the work to build the interstate highway system started.
  B) When driving trips became popular.
  C) After many roads were paved.
  D) After new cars were made.
  39. Which of the following words can best describe Hawkins’ trip to New Orlends?
  A) Eventful.
  B) Colourful.
  C) Delightful.
  D) Unforgettable.
  40. Which of the following statements is NOT true of American college students?
  A) They have little money.
  B) They like traveling by bike.
  C) They like to explore the country.
  D) They often have plenty of free time.