专业英语四级(阅读)-试卷151及答案解析.doc
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1、专业英语四级(阅读)-试卷151及答案解析 (总分:30.00,做题时间:90分钟)一、READING COMPREHENSIO(总题数:11,分数:30.00)1.PART V READING COMPREHENSION_2.SECTION AIn this section there are several passages followed by ten multiple-choice questions. For each question, there are four suggested answers marked A, B, C and D. Choose the one th
2、at you think is the best answer._Student loans are based on a simple idea: that a graduates future flow of earnings will more than cover the costs of doing a degree. But with unemployment rates in parts of the rich world at post-war highs, that may no longer hold true for many people. The consequenc
3、es will be felt by everybody. All over the world student indebtedness is causing problemswitness this months violent protests in Chile. In Britain, according to a recent parliamentary report, rising university fees mean that student debt is likely to treble to 70 billion by 2015. But, partly because
4、 higher education there is so expensive, the scale of the problem is far greater in America. When the next official estimates of outstanding student debt there are published, it is expected to be close to $1 trillion, higher than credit-card borrowing. Credit quality in other classes of consumer deb
5、t has been improving; delinquency rates on student loans are rising. Many of the anti-Wall Street protesters push the idea of blanket debt forgiveness as a solution. But that is the wrong answer. Higher education is not a guarantee of employment, but it improves the odds immensely. Unemployment rate
6、s among university graduates stood at 4. 4% on average across OECD countries in 2009. People who did not complete secondary school faced unemployment rates of 11. 5%. Much of the debt that students are taking on is provided or guaranteed by the government. Imposing write-offs on all taxpayers to ben
7、efit those with the best job prospects is unfair; and ripping up contracts between borrowers and private lenders is usually a bad idea. That said, student-loan systems in America and elsewhere are often badly designed for an extended period of high unemployment. In contrast to the housing crash, the
8、 risk from student debt is not of a sudden explosion in losses but of gradual financial suffocation. The pressure needs to be eased. One option is to change the bankruptcy laws. In America, Britain and elsewhere, these treat student debt as a special case: unlike other forms of debt, it cannot be wi
9、ped out. If student debt is not to bound existing graduates and put off future ones, the rules could be changed so that it is dischargeable in bankruptcy. Yet the reasoning behind the current bankruptcy provisions is logical enough; education is an asset that cannot be repossessed and that keeps on
10、benefiting the individual through his or her lifetime. Some worry that graduates would rush to declare bankruptcy, handing losses to taxpayers. So a second option is preferable. Many countries, America included, have designed student debt primarily as a mortgage-like obligation; it is repaid to a fi
11、xed schedule. Other places, like Britain and Australia, make student-loan repayments contingent(依情况而定的)on reaching an income threshold so that the prospect of taking on debt is more acceptable to people from poorer backgrounds. That approach makes sense, especially when jobs are scarce. Barack Obama
12、 this week proposed to limit loan payments for some struggling American graduates to 10% of discretionary(任意的)income and forgive outstanding debt after 20 years. Income-based repayment ought to become the norm. Both changes would lead to a repricing of student debt. That would be a bad thing for tax
13、payers, but a good thing overall. If such information were made public, other useful data would followon the average financial returns to graduates of specific subjects, for example. Those studying less profitable subjects would have to pay more, or be subsidised more. It would be a controversial ap
14、proach, but a more educated one.(分数:6.00)(1).We can learn from the first two paragraphs that_.(分数:2.00)A.high unemployment rates make it hard for students to get loansB.rising university fees is a valid way to balance the student loansC.student indebtedness has become an increasingly tricky issueD.c
15、redit quality including student debts has been improved(2).In order to relieve the financial pressure brought by student loans, which option the author recommended is better?(分数:2.00)A.Student protesting the unfair repayment practices.B.Changing the current bankruptcy laws.C.Students repaying the lo
16、ans on an income-basis.D.The government prolonging the repayment time.(3).Which of the following is the best title for the passage?(分数:2.00)A.Student Loana Financial EvilB.The Future of Student LoansC.Student Indebtedness and Its CausesD.Solutions to Problems of Student IndebtednessA fast-food resta
17、urant within about 500 feet of a school may lead to at least a 5 percent increase in the overweight rate at that school, according to a study released on Friday. The study, conducted by economists at Columbia University and the University California, Berkeley, suggests that a ban on fast foods in th
18、e immediate proximity of schools could have a sizable effect on obesity rates among affected students. The researchers looked at how proximity to the restaurants affected obesity rates among 3 million ninth graders at California schools, and more than 1 million pregnant women in Michigan, New Jersey
19、 and Texas. They focused on the ninth graders, typically about 14 years old, in part because the students get a fitness test in the springabout 30 weeks after starting school and exposure to fast food. The study, released by the American Association of Wine Economists, showed that the presence of a
20、fast-food restaurant within a tenth of a mile of a school is associated with at least a 5.2 percent increase in the obesity rate in that school. It also found that pregnant women who lived within a tenth of a mile of a fast-food restaurant had a 4.4 percent increase in the probability of gaining ove
21、r 20 kilos(44 pounds). The study follows one presented last month at an American Stroke Association conference. Researchers from the University of Michigan found people who live in neighborhoods packed with fast-food restaurants are more likely to suffer strokes. In December, a study found that yout
22、h who study within a half mile from a fast-food outlet eat fewer fruit and vegetables, drink more soda and are more likely to be obese than students at other schools. Janet Currie, lead researcher of the wine economists study, said that it might be a good policy to have a fast-food-free zone if fast
23、 food near schools causes obesity. It would not be so different in spirit from existing policies that aim to prohibit soft drinks and junk foods in schools or to improve the quality of school lunch, she said. A spokeswoman for Yum! Brands, the parent company of KFC, Pizza Hut, Taco Bell and Long Joh
24、n Silvers, declined to comment, saying she had not seen the study. Burger King did not return calls seeking comment. A McDonalds spokeswoman referred calls to the National Retail Federation, a trade group in Washington. I think it would be a dangerous precedent to limit the types of legitimate, impo
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- 专业 英语四 阅读 试卷 151 答案 解析
