2013年12月四级仔细阅读 Passage Two

When we talk about Americans barely into adulthood who are saddled with debilitating levels of debt, the conversation is almost always about student loan debt. But there’s a growing body of evidence suggesting that today’s young adults are also drowning in credit-card debt — and that many of them will take this debt to their graves.

More than 20% overspent their income by more than $100. That’s every single month. And since they haven’t built up their credit histories yet, it’s a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt.

Although more young people than older adults blame “socializing” as a barrier to saving money, most young people aren’t knocking back $20 drinks in trendy lounges. They’r e struggling with much more prosaic financial demands.

To a disturbingly large extent, the young and the broke are relying on credit cards to make it until their next payday. This obviously isn’t sustainable in the long run, and it’s going to put a huge drag on this demographic’s spending power even after they reach their peak earning years, because they’ll still be paying interest on that carton of OJ or box of spaghetti(意式面条) they bought a decade earlier.

A new study out of Ohio State University found that young adults are racking up credit card debt at a more rapid rate than other age groups, and that they’re slower at paying it off. ”If what we found continues to hold true, we may have more elderly people with substantial financial problems in the fut ure,” warns Lucia Dunn, co-author and professor of economics at Ohio State University. “If our findings persist, we may be faced with a financial crisis among elderly people who can’t pay off their credit cards.

Dunn says a lot of these young people are never going to get out from under their credit card debt. “Many people are borrowing on credit cards so heavily that payoff rates at these levels are not sufficient to recover their credit card debt by the end of their life, which could have loss implicatio ns for the credit card issuing banks.”

61. What’s the main idea of the first paragragh?

A. Many young Americans will never be to pay off their debts.

B. Credit cards play an increasingly important role in college life.

C. Credit cards do more harm than student loans.

D. The American credit card system is under criticism.

62. Why did young people have to pay a higher interest on their credit card debt?

A. They tend to forget the deadlines.

B. They haven’t developed a credit history.

C. They are often unable to pay back in time.

D. They are inexperienced in managing money.

63. What is said to be the consequence of the young adults relying on credit cards to make ends meet?

A. It will place an unnecessary burden on society.

B. It will give them no motivation to work hard.

C. It will even psychological pressure on them.

D. It will affect their future spending power.

64. What will happen to young adults if their credit cards debt keeps accumulating according to Lucia Dunn?

A. They will have to pay an increasingly higher interest rate.

B. They may experience a financial crisis in their old age.

C. Their quality of life will be affected.

D. Their credit cards may be cancelled.

65. What does Lucia Dunn think might be a risk for credit card issuing banks?

A. They go bankrupt as a result of over-lending.

B. They lose large numbers of their regular clients.

C. Their clients leave their debts unpaid upon death.

D. Their interest rates have to be reduced now and then.

2013年12月大学英语四级真题及答案解析

2013年12月份全国大学英语四级考试
试卷一：中餐
【真题原文】许多人喜欢中餐，在中国，烹饪不仅被视为一种技能，而且也被视为一 种艺术。精心准备的中餐既可口又好看，烹饪技艺和配料在中国各地差别很大。但好的烹 饪都有一个共同点，总是要考虑到颜色、味道、口感和营养(nutrition)。由于食物对健康至 关重要，好的厨师总是努力在谷物、肉类和蔬菜之间取得平衡，所以中餐既味美又健康。 【翻译答案】Most people like Chinese food. In China, cooking is considered as not only a skill but also an art. The well-prepared Chinese food is both delicious and good-looking. Although cooking methods and food ingredient vary wildly in different places of China, it is common for good cuisine to take color, flavor, taste and nutrition into account. Since food is crucial to health, a good chef is insistently trying to seek balance between cereal, meat and vegetable, and accordingly Chinese food is delicious as well as healthy.
试卷二：信息技术
【真题原文】信息技术(Information Technology)，正在飞速发展，中国公民也越来越 重视信息技术，有些学校甚至将信息技术作为必修课程，对这一现象大家持不同观点。一 部分人认为这是没有必要的，学生就应该学习传统的课程。另一部分人认为这是应该的， 中国就应该与时俱进。不管怎样，信息技术引起广大人民的重视是一件好事。 【翻译答案】As China citizens attaching great importance to the rapidly development of Information Technology, some college even set it as a compulsory course. Regarding to this phenomenon, people holding different views. Some people think it is not necessary, for students should learn the traditional curriculum. Another part of people think it is a need, because China should keep pace with the times. Anyway, it is a good thing that Information Technology aroused public concern.
试卷三：茶文化
【真题原文】"你要茶还是咖啡?"是用餐人常被问到的问题，许多西方人会选咖啡，而 中国人则会选茶， 相传， 中国的一位帝王于五千年前发现了茶， 并用来治病， 在明清(the qing dynasties)期间，茶馆遍布全国，饮茶在六世纪传到日本，但直到18世纪才传到欧美，如今， 茶是世界上最流行的饮料(beverage)之一，茶是中国的瑰宝。也是中国传统和文化的重要组 成部分。 【翻译答案】"Would you like tea or coffee?" That’s a question people often asked when having meal. Most westerners will choose coffee, while the Chinese would like to choose tea. According to legend, tea was discovered by a Chinese emperor five thousand years ago, and then was used to cure disease. During the Ming and Qing dynasties, tea houses were all over the country. Tea drinking spread to Japan in the 6th century, but it was not until the 18th century does it spread to Europe and America. Nowadays, tea is one of the most popular beverage in the world, and it is not only the treasure of China but also an important part of Chinese tradition and culture.
试卷四：中国结
1

2013年12月大学英语四级听力真题(附原文及答案解析)

2013年12月大学英语四级听力真题 PartⅡListening Comprehension(30 minutes) Section A Directions: In this section, you will hear 8 short conversations and 2 long conversations. At the end of each conversation, one or more questions will be asked about what was said. Both the conversation and the questions will be spoken only once. After each question there will be a pause. During the pause, you must read the four choices marked A), B), C) and D), and decide which is the best answer. Then mark the corresponding letter on Answer Sheet 1 with a single line through the centre. 1. A) The woman is now working in a kindergarten. B) The man will soon start a business of his own. C) The man would like to be a high school teacher. D) The woman is going to major in child education. 2. A) The furniture has to be rearranged. B) The sound equipment has to be set up. C) The conference room has to be cleaned. D) The video machine has to be checked. 3. A) She is exhausted. B) She is near-sighted. C) She cannot finish work in time. D) She cannot go straight home. 4. A) The woman is too particular about food. B) He would rather have a meal an hour later. C) The woman should order her food quickly. D) He usually prefers ice-cream to sandwiches. 5. A) He is not a good mechanic. B) He doesn't keep his promises. C) He spends his spare time doing repairs. D) He is always ready to offer help to others. 6. A) Sam has a big family to support. B) Sam is not interested in traveling. C) The pay offered by the travel agency is too low. D) The work hours in the travel agency arc too long 7. A) International trade.

2015年12月英语四级真题及答案第一套

2015年12月英语四级真题及答案第一套 Part I Writing Directions: For this part, you are allowed 30 minutes to write an essay commenting on the saying ‘Learning is a daily experience and a lifetime mission.” You can cite examples to illustrate the importance of lifelong learning. You should write at least 120 words but no more than 180 words. Part II Listening Comprehension Directions: In this section, you will hear 8 short conversations and 2 long conversations. At the end of each conversation, one or more questions will be asked about what was said. Both the conversation and the questions will be spoken only once. After each question there will be a pause. During the pause, you must read the four choices marked A), B), C) and D), and decide which is the best answer. Then mark the corresponding letter on Answer Sheet 1 with a single line through the centre. Section A 1. They admire the courage of space explorers. They enjoyed the movie on space exploration. They were going to watch a wonderful movie. They like doing scientific exploration very much. 2. At a gift shop. At a graduation ceremony. In the office of a travel agency. In a school library. 3. He used to work in the art gallery. He does not have a good memory. He declined a job offer form the art gallery. He is not interested in any part-time jobs. 4. Susan has been invited to give a lecture tomorrow. He will go to the birthday party after the lecture. The woman should have informed him earlier.

2013年12月英语四级听力文本及答案解析

Question 1 M: After high school, I’d like to go to college and major in business administration. W: But I’d rather spend my college days finding out how children learn. Q: What do we learn from the conversation? Question 2 W: Is everything ready for the conference? M: The only thing left to do is set up the microphones and speakers. They'll be here in a few minutes. Q: What preparations have yet to be made? Question 3 W: Is it almost time to go home now? I'm so tired. I can hardly see straight. M: Just a few more minutes, then we can go. Q: What is the woman’s problem? Question 4 W: I'm not sure what I’m in a mood for. Ice-cream or sandwiches? They are both really good here. M: The movie starts in an hour. And we still have to get there and park. So just make a decision. Q: What does the man mean? Question 5 W: Tom said he would come to repair our solar heater when he has time. M: He often says he is willing to help, but he never seems to have time. Q: What does the man imply about Tom? Question 6 W: So you know that Sam turns down the job offered by the travel agency.

2013年12月大学英语四级考试真题及答案(第三套)

2013年12月大学英语四级考试真题（第三套） Part I Writing （30 minutes）Directions: For this part, you are allowed 30 minutes to write a short essay based on the picture below. You should start your essay with a brief account of the increasing use of the mobile phone in people’s life and then explain the consequences of overusing it. You should write at least 120 words but no more than 180 words. Part II Listenin g Compre hension （30 minutes ） Section A Directions: In this section, you will hear 8 short conversations and 2 long conversations. At the end of each conversation, one or more questions will be asked about what was said. Both the conversation and the questions will be spoken only once. After each question there will be a pause. During the pause, you must read the four choices marked A）, B）, C）and D）, and decide which is the best answer. Then mark the corresponding letter on Answer Sheet 1 with a single line through the centre. 1. A）He has proved to be a better reader than the woman. B）He has difficulty understanding the book. C）He cannot get access to the assigned book. D）He cannot finish his assignment before the deadline. 2. A）She will drive the man to the supermarket. B）The man should buy a car of his own. C）The man needn’t go shopping every week. D）She can pick the man up at the grocery store. 3. A）Get more food and drinks. C）Tidy up the place. B）Ask his friend to come over. D）Hold a party. 4. A）The talks can be held any day except this Friday. B）He could change his schedule to meet John Smith. C）The first-round talks should start as soon as possible. D）The woman should contact John Smith first. 5. A）He understands the woman’s feelings. B）He has gone through a similar experience. C）The woman should have gone on the field trip.

2015年12月英语四级真题及答案1

2015年12月英语四级真题及答案1 Writing For this part, you are allowed 30 minutes to write an essay commenting on the saying "Never go out there to see what happens, go out there to makes something happen" You can cite examples to illustrate the importance of being creative rather than mere onlookers in life. You should write at least 120 words, no more than 180 words. Part II Listening Comprehension ( 30 minutes) Section A Directions: In this section, you will hear 8 short conversations and 2 long conversations. At the end of each conversation, one or more questions will be asked about what was said. Both the conversation and the questions will be spoken only once. After each question there will be a pause. During the pause, you must read the four choices marked A), B), C) and D), and decide which is the best answer. Then mark the corresponding letter on Answer Sheet 1 with a single line through the centre. 1.A) They admire the courage of space explorers. B) They enjoyed the movie on space exploration.

2013年12月英语四级真题及答案详解kj140224170236

2013年12月英语四级真题 作文一： For this part,you are allowed 30 minutes to write a short essay based on the picture below. You should start your essay with a brief account of the impact of the Internet on the way people communicate and then explain whether electronic communication can replace face-to-face contact.You should write at least 120 words but no more than 180 words. “Dear Andy-How are you? Your mother and I are fine.We both miss you and hope you are doing well.We look forward to seeing you again the nest time your computer crashes and you come down-stairs for something to eat,Love,Mom and Dad.” 作文二： For this part,you are allowed 30 minutes to write a short essay based on the picture below. You should start your essay with a brief account of the impact of the Internet on learning and then explain why doesn’t simply mean learning to obtain information. You should write at least 120 words but no more than 180 words.

2013年12月大学英语四级阅读理解冲刺试卷（二）

Psychologists take opposing views of how external rewards, from warm praise to old cash, affect motivation and creativity. Behaviorists, who study the relation between actions and, argue that rewards can improve performance at work and school. Some other researchers who study various aspects of mental life, maintain those rewards often destroy creativity byencouraging dependence on approval and gifts from others. The latter view has gained many supporters, especially among educators. But the careful use of small monetary rewards sparks in grade-school children suggesting that properly presented inducements indeed aid inventiveness, according to a study in the June Journal Personality and Social Psychology. “If they know they're working for a reward and can focus on a relatively challenging task, they show the most creativity,”says Robert Esenberger of the University of Delaware in Newark. “But it's easy to kill creativity by giving rewards for poor performance or creating too much anticipation for rewards.” A teacher who continually draws attention to rewards or who hands out high grades for ordinary achievement ends up with uninspired students, Esenberger holds. As an example of the latter point, he notes growing efforts at major universities to tighten grading standards and restore falling grades. In earlier grades, the use of so-called token economics, in which students handle challenging problems and receive performance-based points toward valued rewards, shows promise in raising effort and creativity, the Delaware psychologist claims. 1. Psychologists are divided with regard to their attitudes toward ____. A) the choice between spiritual encouragement and monetary rewards B) the appropriate amount of external rewards C) the study of relationship between actions and D) the effects of external rewards on students' performance 2. What is the view held by many educators concerning external rewards for students? A) They approve of external rewards. B) They don't think external rewards. C) They have doubts about external rewards. D) They believe external rewards can motivate small children, but not college students. 3. According to the result of the study mentioned in the passage, what should educators do to stimulate motivation and creativity? A) Give rewards for performances which deserve them. B) Always promise rewards. C) Assign tasks which are not very challenging. D) Be more lenient to students when mistakes are made. 4. It can be inferred from the passage that major universities are trying to tighten their grading standards because they believe ____. A) rewarding poor performance may kill the creativity of students’ B) punishment is more effective than rewarding C) failing uninspired students helps improve their overall academic standards D) discouraging the students anticipation for easy rewards is matter of urgency 5．Which of the following facts about “token economics”is not correct? A) Students are assigned challenging tasks.

2015年12月英语四级考试真题及答案(卷一)

2015年12月英语四级考试真题及答案（卷一完整版）写作： Directions: For this part, you are allowed 30 minutes to write an essay commenting on the saying "Learning is a daily experience and a lifetime mission." You can cite examples to illustrate the importance of lifelong learning. You should write at least 120 words but no more than 180 words. 听力： Directions: In this section, you will hear 8 short conversations and 2 long conversations. At the end of each conversation, one or more questions will be asked about what was said. Both the conversation and the questions will be spoken only once. After each question there will be a pause. During the pause, you must read the four choices marked A), B), C) and D), and decide which is the best answer. Then mark the corresponding letter on Answer Sheet 1 with a single line through the centre. Section A 1.They admire the courage of space explorers. They enjoyed the movie on space exploration. They were going to watch a wonderful movie. They like doing scientific exploration very much. 2.At a gift shop. At a graduation ceremony. In the office of a travel agency. In a school library. 3.He used to work in the art gallery. He does not have a good memory. He declined a job offer form the art gallery. He is not interested in any part-time jobs. 4.Susan has been invited to give a lecture tomorrow. He will go to the birthday party after the lecture.

2013年12月英语四级真题及答案(第三套)

2013.12 英语四级考试真题试卷（第三套） Part I Writing (30 minutes) 听力音频地址： Directions: For this part, you are allowed 30 minutes to write a short essay based on the picture below. You should start your essay with a brief account of the impact of the Internet on the way people communicate and then explain whether electronic communication can replace face-to-face contact. You should write at least 120 words but no more than 180 words. 注意：此部分试题在答题卡1上

1. A) Plan his budget carefully. B) Give her more information. C) Ask someone else for advice. D) Buy a gift for his girlfriend. 2. A) She'll have some chocolate cake. B) She'll take a look at the menu. C) She'll go without dessert. D) She'll prepare the dinner. 3. A) The man can speak a foreign language. B) The woman hopes to improve her English. C) The woman knows many different languages. D) The man wishes to visit many more countries. 4. A) Go to the library. B) Meet the woman. C) See Prof. Smith. D) Have a drink in the bar. 5. A) She isn't sure when Prof. Bloom will be back. B) The man shouldn't be late for his class. C) The man can come back sometime later. D) She can pass on the message for the man. 6. A) He has a strange personality. B) He's got emotional problems. C) His illness is beyond cure. D) His behavior is hard to explain. 7. A) The tickets are more expensive than expected. B) The tickets are sold in advance at half price.

四级真题2015年12月第三套

（听力与第二套一样） 阅读理解 Questions 36 to 45 are based on the following passage. Children do nit think the way adults do. For most of the first year of life, if something is out of sight，it's out of mind. lf you cover a baby's 36 toy with a piece of cloth，the baby thinks the toy has disappeared and stops looking for it. A 4-year-old may 37 that a sister has more fruit juice when it is only the shapes of the glasses that differ，not the 38 of juice. Yet children are smart in their own way.Like good little scientists，children are always testing their child-sized 39 about how things work. When your child throws her spoon on the floor for the sixth time as you try to feed her，and you say，"That's enough! I will not pick up your spoon again!”the child will 40 te st your claim.Are you serious?Are you angry? What will happen if she throws the spoon again? She is not doing this to drive you 41 ;rather，she is learning that her desires and yours can differ，and that sometimes those 42 important and sometimes they are not How and why does children's thinking change?In the 1920s，Swiss psychologist Jean Piaget proposed that children's cognitive (认知的) abilities unfold 43 ，like the blooming of a flower，almost independent of what else is 44 their lives.Although many of his specific conclusions have been 45 or modified over the years, his ideas inspired出ousands of studies by investigators all over the world. A) advocate E) deflnite I) irrunediately M) protest B) amount F) differences J) naturally N) rejected C) confirmed G) favorite K) obtaining O) theories D) crazy H) happening L) primarily 2.长篇阅读（匹配意思相近的选项） Section B The Perfect Essay [A] Looking back on too many years of education，I can identify one truly impossible teacher. She cared about me，and my intellectual life，even when I didn't. Her expectations were high-impossibly so. She was an English teacher. She was also my mother. [B] When good students turn in an essay，they dream of their instmctor returning .it to them in exactly the same condition，save for a single word added in仕le margin of the flnal page: "Flawless." This dream came true for me one afternoon in the ninth grade. Of course，I had heard that genius could show itself at an early age，so I was only slightly taken aback that I had achieved perfection at the tender age of 14. Obviously，I did what any professional writer would do; I hurried off to spread the good news. I didn’t get very far.The flrst person I told was my