[外语类试卷]专业英语四级(阅读)模拟试卷93及答案与解析.doc
《[外语类试卷]专业英语四级(阅读)模拟试卷93及答案与解析.doc》由会员分享,可在线阅读,更多相关《[外语类试卷]专业英语四级(阅读)模拟试卷93及答案与解析.doc(14页珍藏版)》请在麦多课文档分享上搜索。
1、专业英语四级(阅读)模拟试卷 93及答案与解析 SECTION A In 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 that you think is the best answer. 0 Student loans are based on a simple idea: that a gradu
2、ates 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 consequences will be felt by everybody. All over the world student indebtedness is causing proble
3、ms witness this months violent protests in Chile. In Britain, according to a recent parliamentary report, rising university fees means that student debt is likely to treble to 70 billion by 2015. But, partly because higher education there is so expensive, the scale of the problem is far greater in A
4、merica. 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 debt has been improving: delinquency rates on student loans are rising. Many of the ant
5、i-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 rates among university graduates stood at 4. 4% on average across OECD countries in 2009
6、. 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 benefit those with the best job prospects is unfair: and ripping up contracts between
7、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 risk from student debt is not of a sudden explosion in losses but of gradual finan
8、cial suffocation. The pressure needs to be eased. One option is to change the bankruptcy laws. In America, Britain and elsewhere, they treat student debt as a special case: unlike other forms of debt, it cannot be wiped out. If student debt is not to bound existing graduates and put off future ones,
9、 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 benefiting the individual through his or her lifetime. Some worry that graduates wou
10、ld 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 fixed schedule. Other places, like Britain and Australia, make student-loan repayments
11、 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 this week proposed to limit loan payments for some struggling American graduates t
12、o 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 taxpayers, but a good thing overall. If such information were made public, other usef
13、ul data would follow on 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 approach, but a more educated one. 1 We can learn from the first two paragraphs tha
14、t_. ( A) high unemployment rates make it hard for students to get loans ( B) rising university fees is a valid way to balance the student loans ( C) student indebtedness has become an increasingly tricky issue ( D) credit quality including student debt has been improved 2 In order to relieve the fin
15、ancial pressure brought by student loans, which option the author recommended is better? ( A) Students protesting the unfair repayment practices. ( B) Changing the current bankruptcy laws. ( C) Students repaying the loans on an income-basis. ( D) The government prolonging the repayment time. 3 Which
16、 of the following is the best title for the passage? ( A) Student Loan a Financial Evil. ( B) The Future of Student Loans. ( C) Student Indebtedness and Its Causes. ( D) Solutions to Problems of Student Indebtedness. 3 A fast-food restaurant within about 500 feet of a school may lead to at least a 5
17、 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 the immediate proximity of schools could have a sizable effect o
18、n 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 and Texas. They focused on the ninth graders, typically abo
19、ut 14 years old, in part because the students get a fitness test in the spring about 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 fast-food restaurant within a tenth of a mile of a school
20、 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 over 20 kilos(44 pounds). “ The study follows one prese
21、nted 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 youth who study within a half mile from a fast-food ou
22、tlet eat fewer fruits 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 food near schools causes obesity. “It would not
23、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 John Silvers, declined to comment, saying she had
24、 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, important businesses and where theyre located in
- 1.请仔细阅读文档,确保文档完整性,对于不预览、不比对内容而直接下载带来的问题本站不予受理。
- 2.下载的文档,不会出现我们的网址水印。
- 3、该文档所得收入(下载+内容+预览)归上传者、原创作者;如果您是本文档原作者,请点此认领!既往收益都归您。
下载文档到电脑,查找使用更方便
2000 积分 0人已下载
下载 | 加入VIP,交流精品资源 |
- 配套讲稿:
如PPT文件的首页显示word图标,表示该PPT已包含配套word讲稿。双击word图标可打开word文档。
- 特殊限制:
部分文档作品中含有的国旗、国徽等图片,仅作为作品整体效果示例展示,禁止商用。设计者仅对作品中独创性部分享有著作权。
- 关 键 词:
- 外语类 试卷 专业 英语四 阅读 模拟 93 答案 解析 DOC
