题目
题型：不详难度：来源：
The most well known examples of moral hazard come from insurance．For example:
Fire insurance increases the motivation to commit arson (纵火), especially if someone is operating a failing business and decides that they’d rather have the cash from the insurance proceeds on the buildings than the buildings themselves．(The value of a business often is based on profitability; after arson, the owner can claim the business was profitable．) In a worst case, the building is over-insured or valuable contents are removed but claims are filed that they were destroyed in the fire．
In finance, low level of effort by the agent (employee) is called the “moral hazard problem” according to agency theory．The more autonomy (自主) the agent enjoys and the greater the information the agent possesses, and the greater the specialized knowledge required to perform the task, the greater the chances for the occurrence of moral hazard．
The problem of moral hazards for insurance can’t be eliminated, but can be minimized．For example:
Getting detailed information to evaluate the value of what is being insured, rather than simply taking the word of the person buying the insurance．
Requiring that there be a deductible(扣除额) (an initial up-front sum which the insured must pay out of his or her own pocket in case of a loss), and/or only paying out a percentage of the loss (say, 80 or 90 percent) via a coinsurance clause．
72．What might be the headache for the insurance company after a fire?
A．Not knowing who set the fire．
B．The owner might over-claim the loss．
C．Where to get the insurance fee paid．
D．How to punish those who cheated the company．
73．What might be the best way not to suffer over-loss in paying back insurance according to the above passage?
A．Investigate carefully after a fire．
B．Try to get as much detail information about the insurance．
C．Try to catch hold of the person who committed arson．
D．Request the buyer of insurance to pay more．
74．The two examples in the above passage are applied to ______．
A．help people to have reasonable insurance
B．present the difficulties the insurance companies have
C．bring up a problem and a solution in insurance business
D．invite people to buy more profitable insurance
75．The above passage is mainly about ______．
A．a new theory in insurance B．a moral challenge in business
C．a common business phenomenon D．moral hazard in insurance
答案
解析
核心考点
试题【In insurance theory, moral hazard is the name given to the increased risk of imm】；主要考察你对题材分类等知识点的理解。[详细]
举一反三
The boys" mother heard that a clergyman（牧师） in the town had been successful in educating children so she asked if he would speak with her boys．The clergyman agreed but asked to see them individually．So the mother sent her 8-year-old first in the morning with the elder boy to see the clergyman in the afternoon.
The clergyman, a huge man with a booming （嗡嗡） voice, sat the younger boy down and asked him strictly, "Where is God?"
The boy"s mouth dropped open but he made no answer, sitting there with his mouth hanging open, wide-eyed．So the clergyman repeated the question in an even stricter tone "Where is God?" Again the boy made no attempt to answer．So the clergyman raised his voice even more and shook his finger in the boy"s face and shouted" Where is God?"
The boy screamed and escaped from the room, ran directly home and dove into his closet, slamming the door behind him．When his elder brother found him in the closet, he asked "What happened?"
The younger brother replied out of breath, "We are in big trouble this time．God is missing--and they think we did it．"
小题1:What were the two boys like?
| A．They always made trouble． | B．They were brave. |
| C．They were easygoing. | D．They were honest. |
| A．They gave up their children. |
| B．They liked their children very much. |
| C．They wanted the clergyman to persuade their children． |
| D．They helped their children to make trouble. |
| A．Happy． | B．Sad. | C．Afraid． | D．Surprised. |
| A．Open． | B．Shut． | C．Knock． | D．Pull. |
As many as a quarter of all cases of short-sightedness are caused by too great an exposure to sunlight in the first weeks of life, say eye experts.
They are advising all parents to put sunglasses on their babies during the first weeks.
Scientists had already established that over-exposure to sunlight caused short-sightedness in animals.
Researchers who compared the months in which babies were born with whether they needed glasses later on say the principle also applies to humans.
A study of almost 300,000 young adults─the largest of its kind─showed that those born in June and July had a 25 per cent greater chance of becoming severely short-sighted than those born in December or January. Research leader Professor Michael Belkin, of Tel Aviv University, said it was because prolonged illumination(光照) causes the eyeball to lengthen, causing short-sightedness.
Hence the more light a newborn is exposed to, the more the eyeball lengthens and the worse the short-sightedness will be.
The mechanism which lengthens the eyeball is associated with levels of melatonin(褪黑激素), a pigment (色素) which protects the skin against harmful rays of the sun.
In young babies not enough melatonin is released as protection, meaning they are more vulnerable to sunburn and changes to eyeball shape.
Sight expert Professor Daniel O’Leary, of Anglia Ruskin University in Cambridge, said “At the moment we don’t know the precise cause of why light exposure affects sight, but the evidence seems to prove that it is one of the reasons for people becoming short-sighted.”
55.Babies born in summer are more likely to be short-sighted ____________.
A. because the summer sun is too strong for babies
B. because babies born in summer have lengthened eyeballs
C. if they are exposed to much sunlight in the first weeks after they are born
D. if parents don’t know a proper way to protect their babies’ eyes
56.Melatonin is a kind of material to ___________.
A. prevent the eyes from becoming near-sighted
B. protect the skin from harmful sun rays
C. make our body strong
D. protect babies’ eyes from summer sun
57. From what Professor Daniel O’Leary says we can conclude that ___________.
A. there is no evidence that short-sightedness is related to exposure to sunlight
B. whether light exposure affects sight still needs to be further proved
C. he believes that light exposure can cause short-sightedness
D. he tries to give the cause of why light exposure affects sight
58. The underlined word “vulnerable” in the passage probably means __________.
A. easy to be harmed B. resistant
C. protective D. changeable
Tens of thousands of vegetables, fruits and flowers were used to construct a giant 2,000-square-foot lunch invitation in London’s Convent Garden. More than 9,000 cauliflowers and 800 bananas were used.
According to the organizers, people who decide to take part in the activity will get support from large companies which will supply many of the necessities, including plants to be given out to people to grow. The organizers think that the Big Lunch is a great opportunity for people to get together and spend time with their neighbors, friends and families. Events like this also help build strong communities. People can show their talents, get over their embarrassment, shake hands and get to know their neighbors, and realize that the neighborhood where they live can be a great source of happiness and enjoyment.
The Eden Project’s leader, Tim Smith, says, “It’s a good way to face this recession. Imagine a day on which millions of us, throughout the UK, sit down to have lunch together with our neighbors in the middle of our streets, around our tower blocks, and on every patch of common ground. We’ll have cooked our own food, made our own entertainment, and created our own decorations. It will be a day to share bread with our neighbors, and put a smile on Britain’s face.”
62. The Big Lunch aims to _____.
A. persuade people to eat healthy food B. encourage people to cook at home
C. help poor people in the community D. develop community spirit
63. Which of the following is false?
A. Large companies will give participants enough money to hold the lunch parties.
B. The Big Lunch may be a good opportunity to show talents and make friends.
C. The Big Lunch is a nationwide activity designed by The Eden Project.
D. The giant lunch invitation in London used a lot of vegetables, fruits and flowers.
64. Big Lunch is a good opportunity for people to _____.
A. enjoy free food B. have fun with neighbors and families
C. shop on the street D. eat without cooking
65. The underlined word “recession” in the last paragraph probably means_____.
A. nice environment B. grand ceremony
C. rapid progress D. economic decline
Our sense of smell, which we normally take for granted, is nowadays being increasingly used for purposes which might surprise us if we realized them.
One area in which smells are created to achieve particular results is marketing. For some time producers have taken advantage of our sense of smell with regard to household goods.
When pleasant smells are passed through a store’s air conditioning system, people tend to spend more time in the store and buy more. For example, the smell of chocolate is used in sweet stores, while the smell of leather and perfume are used in clothes stores.
In a test, people looked at the same types of shoes in two rooms—one filled with purified air, the other with a smell of mixed flowers. Eighty-four percent of the people preferred the shoes in the room with the smell of flowers. In fact, many said they would have paid up to US $ 10 more for a pair.
Smells also have other uses. Research has shown that certain smells can help to calm anxious people and increase their feeling of safety. Smells such as that of flowers and pine forests might therefore be used to relax patients in doctors’ and dentists’ waiting rooms, and to make the environment more pleasant and less stressful to them.
Some companies are experimenting with different smells to produce different efferent effects on their workers according to the time of day.
For example, early in the morning they might put the smell of lemon in the air conditioning system to wake people up. In the middle of the morning, when the atmosphere tends to become more tense, the smell of wood could be used to calm people down. Before lunchtime the smell of melting butter would encourage people to go to lunch on time. After lunch, when people often begin to lose attention, the smell of mint would increase their watchfulness.
While some of these uses of smells may e helpful and effective, not everyone would agree with their use to control customers in stores. It has been suggested by consumers’ organizations that one way to avoid this new subconscious（无意识）pressure to buy is to go shopping when people are less likely to be influenced by smells.
小题1:We can conclude from the text that
| A．smells are widely used in different shops | B．different smells can keep people feel happy |
| C．smells are effective if used in suitable cases | D．hospitals take advantages of the sense of smell |
小题3:The 4th paragraph proves that
| A．pleasant smells attract people’s attention to stores |
| B．people prefer the shoes with the smell of different flowers |
| C．right smells increase people’s view of the value of a product |
| D．people want to pay more money because of good smells |
| A．patients | B．doctors | C．smells | D．waiting rooms |
Not so long ago, if you avoided drinking water during a workout（训练）, you were considered tough. Today, most experts 36 , you would be considered unintelligent.
Even in you don’t sweat much or feel 37 and even if there is a nice breeze, 38 experts say drinking water- or something 39 is necessary before, during and after all warmer-weather 40 .
Only a few years ago, many coaches 41 players from drinking anything during the game----they thought it was 42 for them to rinse(漱口) their mouths, 43 swallowing anything might slow them down.
Now, there’s 44 plenty of water on the sidelines for athletes to drink. The National Hockey League even 45 goalkeepers to put water bottles on top of their nets.
These new practices 46 be lost on the recreation(消遣) athlete. Some 47 advise you to drink about two cups of water 15 minutes or so after you 48 exercising and the same amount every 15 minutes. In some types of exercises-running, for example-others encourage drinking a cup or two of water 49 the workout.
Don’t drink any more, experts say too much fluid makes 50 and exercise uncomfortable. In 51 continuous hot-weather exercise, 52 can sweat and breathe away 1.8 kilograms of 53 an hour.
Drinking water does two things: restore some 54 and allow you to keep sweating so the skin can be kept 55 . Doctors say drinking six or eight cups a day can help digestion.
36. A. discover B. suggest C. agree D. fear
37. A. thirsty B. hungry C. hot D. tired
38. A. labour B. children C. water D. exercise
39. A. else B. instead C. fresh D. tasteful
40. A. seasons B. lessons C. days D. activities
41. A. excused B. discouraged C. prevented D. saved
42. A. possible B. unnecessary C. difficult D. right
43. A. but B. then C. therefore D. though
44. A. seldom B. forever C. usually D. sometimes
45. A. allows B. promises C. forbids D. guides
46. A. couldn’t B. wouldn’t C. shouldn’t D. mustn’t
47. A. teachers B. parents C. players D. doctors
48. A. stop B. start C. give up D. begin with
49. A. after B. before C. with D. from
50. A. walking B. breathing C. swallowing D. drinking
51. A. heavy B. easy C. pleasant D. everyday
52. A. a patient B. a drinker C. an athlete D. an expert
53. A. air B. atmosphere C. oxygen D. water
54. A. sweat B. weight C. breath D. height
55. A. warm B. strong C. cool D. safe
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