2016年職稱英語《綜合B類》閱讀理解專項(xiàng)習(xí)題(2)

2016年職稱英語《綜合B類》閱讀理解專項(xiàng)習(xí)題匯總

   2016年職稱英語《綜合B類》閱讀理解專項(xiàng)習(xí)題匯總，供考生參考。

　　Credit cards let people buy things now and pay for them over months or even years. But some people get deep into debt. And critics say some banks have terms and charges that can make it harder for people to pay off that debt. In the United States, there are calls for stronger government supervision of the credit card industry.

　　Credit cards have been heavily marketed through the mail and at stores. They offer economic power at a price. In two thousand four, Americans had about eight hundred billion dollars in credit card debt. Now they owe about nine hundred sixty-eight billion. The average interest rate on those cards is currently thirteen and a half percent.

　　Critics say banks made it too easy to get credit cards. But that may be changing. The crisis in the housing and credits markets is beginning to affect the credit card industry. More payments are late. Charges for late payments are a growing source of profit for banks. But late payments can also signal bad debts.

　　The central bank, the Federal Reserve, says two-thirds of American banks have recently reported tighter lending requirements. Many people report having their credit limits reduced without warning.

　　Some lawmakers are concerned that cardholders do not have enough protections from what critics say are abusive policies. These include actions like raising interest rates because of an unrelated event ― like a missed payment on another debt. Also, banks may raise the chances of a late payment by changing monthly payment dates for credit cards. Congress has been considering bills to increase cardholder protections.

　　Eighty-two percent of Americans think credit cards provide a valuable service. But a majority, fifty-eight percent, say they do not trust credit card companies. And three out of four think the government should regulate the industry more closely. Three out of four people feel there is always some condition that makes a card less appealing than the company made it sound. And a little more than half say they have had a card that was not as good as they expected. But close to eighty percent say no one really reads the terms and conditions when they sign up for a credit card.

　　16.It’s urgent that the government should supervise the credit card industry efficiently.

　　A.Right

　　B.Wrong

　　C.Not mentioned

　　正確答案:A

　　解析:該題說的是：人們建議政府應(yīng)該有效監(jiān)督信用卡行業(yè)。從第一段的最后一句得出題干是正確的表述。注意supervise和supervision的詞類轉(zhuǎn)換。

　　17.Credit cards which offer economic power at a price have been heavily marketed at stores and banks.

　　A.Right

　　B.Wrong

　　C.Not mentioned

　　正確答案:C

　　解析:該題說的是：提供巨額經(jīng)濟(jì)消費(fèi)能力的信用卡在商場和銀行得到了大力的宣傳推廣。第二段的第一句只提到了以郵件形式和商場宣傳形式進(jìn)行的信用卡銷售，而沒有涉及銀行

　　18.The money owed by the Americans has already exceeded the money allowed in their credit card in 2004.

　　A.Right

　　B.Wrong

　　C.Not mentioned

　　正確答案:A

　　解析:該題說的是：2004年，美國民眾實(shí)際負(fù)債額度已經(jīng)超出信用卡限定額度。從第二段的“In two thousand four, Americans had about eight hundred billion dollars in credit card debt. Now they owe about nine hundred sixty-eight billion.”得知2004年，美國民眾信用卡貸款額度為八千億，但人們的負(fù)債額卻高達(dá)九千六百八十億。所以題干的表述是正確的

　　19.Recently, most of the American banks have tighter lending requirements and inform their customers of the reduction in the credit limits.

　　A.Right

　　B.Wrong

　　C.Not mentioned

　　正確答案:B

　　解析:該題說的是：最近，許多的美國銀行已經(jīng)嚴(yán)格限制了貸款條件并且通知了客戶信用卡的信貸額度降低的事實(shí)。第四段的最后一句提到好多客戶都說銀行在沒有通知他們的情況下擅自降低了信貸額度。所以題干的表述是錯(cuò)誤的

　　20.Late payment can be caused by newly-set monthly payment dates for credit cards.

　　A.Right

　　B.Wrong

　　C.Not mentioned

　　正確答案:A

　　解析:該題說的是：還款超期也許是因?yàn)殂y行改變了原來每月的還款日期。第五段的倒數(shù)第二句明確表明銀行對于固定還款期的變更會(huì)導(dǎo)致人們還款超期。

　　21.Eighty-two percent of Americans think credit cards provide a valuable service and they can rely on the credit card companies very much.

　　A.Right

　　B.Wrong

　　C.Not mentioned

　　正確答案:B

　　解析:該題說的是：82%美國人認(rèn)為信用卡為他們提供了有效的服務(wù)并且十分信賴信用卡公司。從第六段列舉的數(shù)字可知82%的民眾認(rèn)為信用卡為他們提供了有效的服務(wù)，但是58%的人認(rèn)為他們無法相信信用卡公司。因此題干的表述是錯(cuò)誤的

　　22.A majority of people say nobody pays enough attention to the terms and conditions when they sign up for a credit card and has little idea about the credit limits they can have.

　　A.Right

　　B.Wrong

　　C.Not mentioned

　　正確答案:C

　　解析:該題說的是：大多數(shù)人認(rèn)為在簽署協(xié)議時(shí)沒有人會(huì)仔細(xì)看其中的條款，而且也幾乎不知道他們有多少的信用額度。文章的最后一句只提到了大多數(shù)人認(rèn)為在簽署協(xié)議時(shí)沒有人會(huì)仔細(xì)看其中的條款，但是是否了解他們的信用額度原文沒有給予正面的說明

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