题目
题型：0101 期中题难度：来源：
they want to buy clothes, VCRs, or television sets.
But there is an underclass-people with low incomes and no credit history -who visit their neighborhood
pawnshops (当铺) when they need cash or a loan.
About 20 percent of the US population has no bank account. More than half of this group don"t have credit
cards and cannot get bank loans.
"These people are borrowing an average of $50," said John P. Caskey of Swarthmore College in
Swarthmore, Pennsylvania."If you add up in terms of how much dollar value pawnshops provide, they don"t
look very important. If you add up how much of the population they serve or the number of loans they make,
they are important."
Because they make loans, pawnshops are a type of bank, often calling themselves"the bank of the little
people."
Caskey and Swarthmore student Brian Zidmund in 1989 looked at the importance of pawnshops in the US
economy-the first serious study of the subject since the 1930s.
Their conclusion: pawnshops are the consumer"s lender of last resort (最后贷款人).
Pawnshop customers typically cannot get credit at banks. They have poor credit records, low and unstable
incomes, or cannot maintain positive bank account balances.
Typically, pawnshop customers borrow relatively small amounts that traditional lenders are unwilling or
unable to provide on a secured basis.
"If you look at total consumer credit, the amounts provided by pawnshops remain small," Caskey said.
"They are lending mainly to low-income people. In terms of the population they serve, they"re really important."
In 1988, there were about 6,900 pawnshops in the United States - one for every two commercial banks.
They made about 35 million loans, providing 1 percent of the nation"s consumer credit.
B. Banks for the Poor
C. Pawnshops vs. Banks
D. Commercial Banks
A. They go to local banks for help.
B. They apply for credit cards.
C. They ask for a loan from large banks.
D. They apply for a loan in pawnshops.
B. Most people prefer pawnshops for their need of cash.
C. Pawnshops are an important part of the state economy.
D. Pawnshops are not important because they make up only 1 percent of the nation"s consumer credit.
B. they make big loans to a lot of people
C. they are serving the majority of the population
D. they make a large number of loans to the poor
答案
核心考点
试题【阅读理解。 Millions of Americans run to the bank or visit ATM when they need cash】；主要考察你对题材分类等知识点的理解。[详细]
举一反三
effort, then you can quite easily improve your ability to remember things. But even if you are successful, there
are times when your memory seems to play tricks on you.
Sometimes you remember things that really did not happen. One morning last week, for example, I got up
and found that I had left the front door unlocked all night, yet I clearly remember locking it carefully the night
before.
Memory "tricks" work the other way as well. Once in a while you remember not doing something
and then find out that you did. One day last month, for example, I was sitting in a barbershop waiting for my
turn to get a haircut, and suddenly I realized that I had got a haircut two days before at the barbershop across
the street from my office.
We always seem to find something funny and amusing in incidents caused by people"s forgetfulness or
absent-mindedness. Stories about absent-minded professors have been told for years, and we never get tired
of hearing new ones. Unfortunately, however, absent-mindedness is not always funny. There are times when
"tricks" of our memory can cause us great trouble.
B. make a conscious effort of practice and exercise
C. never stop learning
D. try hard to remember things
B. One night the writer forgot having locked the front door.
C. The writer remembered to lock the door.
D. The writer remembered unlocking the front door.
B. Absent-mindedness is more troublesome than forgetfulness.
C. Absent-minded professors are often amused by the incidents, too.
D. Absent-mindedness happens not only to professors but to all other people.
B. "Tricks" of Memory
C. The Dangers of Forgetfulness
D. The Dangers of Absent-mindedness
chances are they will tune you out.
Take the fellow who opens: "On my way over to the club tonight, I ran into a bum (流浪汉) who asked
me for $ 49.50 for a cup of coffee. I told him he"d do much better if he asked for a quarter. He said, "Do
you think I"m going into the Ritz in these clothes?"" We know his purpose: to win his audience over with
humor. His bit of humor, however, has no connection with his speech. He has his audience laughing at the
wrong time. Once you have an audience laughing it"s hard to get them to switch to an entirely different train
of thought. There is nothing wrong with humor in a speech as long as it has something to do with the purpose
of his speech. To open a speech with humor just to be entertaining invites an almost sure"turnoff" for the
remainder of the talk.
B. A sense of humor.
C. The opening remarks.
D. A forceful ending.
B. make his audience laugh
C. be fresh and different
D. be reserved for the end
B. cause your audience to lose interest
C. make your audience go away at once
D. have your audience laugh with you
B. Humor is important in the success of your speech.
C. Your humor should be relevant (相关的) and timely.
D. An outstanding speech is full of jokes.
请先通读下列短文，然后从所给的七个选项中选出能填入空格的最佳选项。
inhabitants become angry and unhappy. They begin to dislike tourists and to treat them impolitely. They
forget how much tourism can help the country"s economy. It is important to think about the people of a
destination country and how tourism affects them. 2 .
Tourism should also improve the health and happiness of the local inhabitants.
Too much tourism can be a problem. If tourism grows too quickly, people must leave other jobs to
work in the tourism industry. 3 .
On the other hand, if there is not enough tourism, people can lose jobs. Businesses can also lose money.
It costs a great deal of money to build large hotels, airports, first-class roads and other support facilities
(设施) needed by tourist attractions. 4 . If this room is not used most of the time, the owners of the
hotel lose money.
Building a hotel is just a beginning. There must be many support facilities as well, including roads to get
to the hotel, electricity, sewers to handle waste, and water. 5 . If they are not used because there are
not enough tourists, jobs and money are lost.
B. Tourism can bring a lot of benefits
C. For example, too many tourists can crowd public places that are also enjoyed by the inhabitants
(the people living there) of a country
D. For example, a major international-class tourism hotel can cost as much as 50 thousand dollars
per room to build
E. All of these support facilities cost money
F. Therefore, tourism plays an important part in local economy
G. Tourism should help a country keep the customs and beauty that attract tourists
阅读表达。
阅读下面短文, 然后简要回答下面5个问题。要求答语: 结构正确、书写工整、字迹清楚。
the TV, or her boyfriend, she said"the phone". Personally I could do without the phone, which makes me
unusual, because the telephone is changing our life more than any other piece of technology.
Point 1 The telephone creates the need to communicate, in the same way that more roads create more
traffic. My daughter comes home from school at 4:00 and then spends an hour on the phone talking to the
very people she has been at school with all day. If the phone didn"t exist, would she have anything to talk
about?
Point 2 The mobile phone means that we are never alone."The mobile saved my life," says Lucy. She
had an accident in her Volvo. Trapped inside, she managed to make the call that brought the ambulance.
Point 3 The mobile removes our secret. It allows Marketing Manager of a large company to ring his sales
staff all around the world at any time of day to ask where they are, where they are going, and how their last
meeting went.
Point 4 The telephone separates us. A person said,"We worked in separate offices but I could see him
through the window. It was easy to get his number. We were so near-but we didn"t meet for the first two
weeks!"
Point 5 The telephone allows us to reach out beyond our own lives. Today we can talk to several complete
strangers at the same time on chat lines. We can talk across the world. We can even talk to astronauts while
they"re space-walking. And with the phone line hooked up to the computer, we can access the Internet, the
biggest library on Earth.
___________________________________________________________________________________
2. Why is the mobile phone important to us according to Para.3 (Point 2)?
___________________________________________________________________________________
3. Does the person in Para.5 (Point 4) feel happy or sad about the telephone? Why?
____________________________________________________________________________________
4. What does the underlined phrase"hook up to" mean?
____________________________________________________________________________________
5. Please draw up a title for the passage.
_____________________________________________________________________________________
the classmates will ask your opinions of the work of the class. When you are telling others in the class what
you have found out about these topics, remember that they must be able to hear what you are saying. You are
not taking part in a family conversation or having a chat with friends-you are in a slightly (稍微的) unnatural
situation where a large group of people will remain silent, waiting to hear what you have to say. You must speak
so that they can hear you-loudly enough and clearly enough but without trying to shout or appearing to force
yourself.
Remember, too, that it is the same if you are called to an interview whether it is with a professor of your
school or a govemment official who might meet you. The person you are seeing will try to put you at your ease
but the situation is somewhat different from that of an ordinary conversation. You must take special care that
you can be heard.
B. quiet
C. having a rest
D. serious
B. sometimes the same as
C. sometimes not. the same as
D. not the same as
B. to be very gentle
C. to make sure that you can be heard
D. to put the official at ease
A. that we must speak loudly to make ourselves heard when stating our opinions in serious situations
B. that we must keep silent at any time
C. that we must talk with the class
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