1、大学英语四级改革适用（阅读）模拟试卷 275 及答案解析(总分：60.00，做题时间：90 分钟)一、Reading Comprehensio(总题数：6，分数：60.00)1.Part III Reading Comprehension（分数：10.00）_2.Section C（分数：10.00）_Costlysometimes abusivecredit cards are bleeding millions of borrowers who didnt know what they were getting into. The bottom-feeding cardsfor peopl
2、e with damaged creditoffer you a decent interest rate on credit lines “up to“ $3,000. When the card arrives, however, your line might be only $250. And then come the fees! Theyre charged to your tiny credit line, leaving you almost nothing to spend. Two better-known card issuers with a big loan busi
3、ness are Capital One and HSBCs Orchard Bank. They charge lower upfront fees than other cards do. But if you fall behind, its tough. Cap Ones penalty rate is currently 28.15 percent. Orchard Bank doesnt disclose its penalty rate online and wouldnt tell you what it is. Cap One has a reputation for iss
4、uing multiple cards to people who bump up against their credit limits. That gives them two cards, with two low limits, to overspend. Lenders have figured out many ways of extracting fees. Theres “universal default“, where a late payment on one card can trigger high penalty rates on every card you ow
5、n. Theres the “endless late fee“, where your payments never catch up with the new penalties youre charged. Theres “two-cycle billing“too complicated to explain here, but which amounts to charging interest on balances that youve already paid. And “retroactive (追溯的) price hikes,“ where banks impose hi
6、gher rates on old balances as well as new ones. These practices startle consumers who think such high fees and interest rates must be against the law. But the Supreme Court effectively deregulated credit card rates 30 years ago, and 10 years ago it deregulated the size of the fees a bank could charg
7、e. Prior to fee deregulation, late fees hovered between $13 and $15, says Robert McKinley of CardW, which tracks the business. Now they run from $30 to $40. “Its out of control,“ he says. “Banks know theyve pushed this too far.“ This year, however, the new Congress started holding hearings. Suddenly
8、 Citi dropped universal default and JPMorgan Chase ended two-cycle billing. But those are just gestures. Without fee caps or laws restricting the usually high rate of interest, were in the bankers hands.（分数：10.00）(1).The bottom-feeding cards are issued to people who _.（分数：2.00）A.has a low incomeB.ex
9、pects a low interest rateC.has a bad reputation in repaymentD.is thoughtless when using credit cards(2).What does the author think about the “multiple cards“ practice of Cap One?（分数：2.00）A.The bank may have more bad debts.B.The bank may become more popular.C.Borrowers may have their credit limits in
10、creased.D.Borrowers may fall into a multiple-penalty trap.(3).What do consumers never expect, according to the passage?（分数：2.00）A.The higher rates now can affect balances in the past.B.Lenders can figure out so many ways to extract fees.C.They can borrow from the banks easily.D.They have to pay both
11、 fees and interest.(4).The word “deregulate“ (Line 3, Para. 5) can best be replaced by _.（分数：2.00）A.impose rules onB.lift the control onC.rule againstD.specify(5).According to the author, what Citi and JPMorgan Chase did showed that they were _.（分数：2.00）A.reflectiveB.irresponsibleC.insincereD.compro
12、misingNearly 5,000 people below the age of 21 die because of excessive alcohol consumption each year. Oddly, this has triggered a new movement to lower the drinking age. In America, young people can vote, drive, marry, divorce, hunt and go to war before alcohol is legally allowed to touch their lips
13、. Many states once set their minimum drinking-age at 18. But in 1984 Ronald Reagan oversaw the passage of the “21 law“, which requires states to set 21 as the minimum drinking-age or risk losing 10% of their highway funds. Now campaigners want to move it back. In the past, states have been too finan
14、cially timid to challenge the 21 law. But calls for change are growing louder. Two local judges in South Carolina recently ruled that banning 18- to 20-year-olds from drinking or possessing alcohol is unconstitutional. Public officials, including the former attorney general of South Dakota, have cal
15、led the 21 law a failure. The about-face of Morris Chafetz, a doctor who served on the commission that recommended increasing the drinking-age to 21, has also raised eyebrows. This week he called it the most regrettable decision of his career. Supporters of existing status, including the organisatio
16、n Mothers Against Drunk Driving, say that the law has helped avoid thousands of deaths. But doubters point out that other countries, like Canada, have seen similar declines, even though their drinking-age is 18. They also argue that barring young people from drinking does not stop them from consumin
17、g alcohol: it just makes them drink more quickly. John McCardell, former president of Middlebury College in Vermont, is part of the Amethyst Initiative, a group of educators who are pushing for 18-year-olds to be allowed to drink. “Those who have graduated from high school, have a clean record and c
18、ompleted an alcohol-education programme should qualify for a drinking licence,“ he says, “in the same way that people who go to driving school receive a licence to operate a vehicle.“ This is not the first time that Americans have desired a change in alcohol policy during a period of economic distre
19、ss. Franklin Roosevelt lifted prohibition in 1933 amid the trouble of a depression.（分数：10.00）(1).All the U.S. state governments used to follow the “21 law“ because _.（分数：2.00）A.its passage was supervised by Reagan personallyB.most citizens believed that it was reasonableC.they couldnt afford to take
20、 the financial riskD.it took much time and money to get a law passed(2).What is Morris Chafetzs attitude towards the “21 law“ now?（分数：2.00）A.He demands that the law not be changed.B.He supports lowering the drinking age.C.He regrets that few people support the law.D.He is surprised by the judges rul
21、ing.(3).In Canada, where the drinking age is 18, _.（分数：2.00）A.young people want to begin drinking at a lower ageB.people are increasingly doubtful about the “18 law“C.fewer and fewer people support the “18 law“D.fewer young people die from drunk driving(4).John McCardell suggests that_.（分数：2.00）A.18
22、-year-olds should learn for a license before they can drinkB.a drinking school should be opened for high school studentsC.one should get a license before they can drinkD.any 18-year-olds should be qualified to drink(5).What did Franklin Roosevelt do during the 1933 depression?（分数：2.00）A.He lifted th
23、e trouble of a depression.B.He changed the alcohol policy.C.He decided to ban alcohol.D.He desired a change in alcohol policy.Thoughts of suicide haunted Anita Rutnam long before she arrived at Syracuse University. She had a history of mental illness and had even attempted to kill herself. During he
24、r junior year of college, she tried again. On a February morning in 1998, just days after a campus counselor recommended she be hospitalized for her suicidal tendencies, Rutnam threw herself off the eighth floor of a Syracuse dormitory. Miraculously, she survived. But three years later, Rutnam still
25、 feels the effects of that day. She has not been able to finish college and is suing her former school for malpractice. Her suit asserts that, given the campus counselors advice, school officials should have done more to prevent her suicide attempt. This incident and others have thrown a spotlight o
26、n an issue that is causing growing concern in dorm rooms and students center. Are colleges providing adequate care for students who may be struggling with a range of mental illnesses? In the Syracuse case, a spokesman for the school contends, “The University tried repeatedly to help Anita, and we fe
27、lt that they acted appropriately.“ But lawyers are busy there and elsewhere. After accidents, suicide is the second biggest killer of kids in college. And while the number of students who kill themselves on campus is no higher than that of 18-to-24-year-olds in the general population, a series of se
28、nsational incidents has raised the question of whether troubled students are getting proper attention. So what are the schools responsibilities to at-risk students, particularly those who may be genetically predisposed (易患病的) to mental illness? College can be a breeding ground for psychiatric proble
29、ms. Poor eating habits and irregular sleeping patternsespecially combined with the academic stress of college lifemay all play roles in triggering mental problems. Additionally, many of the major psychiatric illnesses including depression often do not manifest themselves until the late teens or earl
30、y 20s.（分数：10.00）(1).Anita Rutnam couldnt finish college most probably because _.（分数：2.00）A.she couldnt get enough concern from Syracuse UniversityB.she wasnt physically healthy enough to continue schoolingC.she still kept thinking about killing herself whenever at schoolD.she has been troubled by th
31、e memory of the incident very often(2).What does the author want us to know through Anita Rutnams story?（分数：2.00）A.The universities are not responsible for their students.B.Suicides are popular on college campus and should be handled properly.C.Why Anita committed suicide is still a mystery.D.Univer
32、sities should get prepared in case their students sue them.(3).What does Anita accuse her former school of?（分数：2.00）A.Ignorance of her abnormal behaviors.B.Lack of safeguard against her suicidal intention.C.Failure to give her proper academic instructions.D.Indifference to her physical disease.(4).H
33、ow does Syracuse University defend itself against Anitas suit?（分数：2.00）A.It has given her due attention as well as help.B.Adult students should be able to control their own behavior.C.It is more than the schools responsibility to supervise the students.D.Colleges can be a breeding ground for psychia
34、tric problems.(5).All the following problems are implied as possible causes of campus suicide incidents EXCEPT_.（分数：2.00）A.poor academic resultsB.failing to get proper sleepC.lack of family concernD.family history of mental illnessIt is not often realized that women held a high place in southern Eur
35、opean societies in the 10th and 11th centuries. As a wife, the woman was protected by the setting up of a dowry (彩礼) or decimum. Admittedly, the purpose of this was to protect her against the risk of desertion, but in reality its function in the social and family life of the time was much more impor
36、tant. The decimum was the wifes right to receive a tenth of all her husbands property. The wife had the right to withhold consent, in all transactions the husband would make, and more than just a right: the documents show that she enjoyed a real power of decision equal to that of her husband. In no
37、case did the documents indicate any degree of difference in the legal status of husband and wife. The wife shared in the management of her husbands personal property, but the opposite was not always true. Women seemed perfectly prepared to defend their own inheritance against husbands who tried to e
38、xceed their rights, and on occasion they showed a fine fighting spirit. A case in point is that of Maria Vivas, a Catalan woman of Barcelona, Having agreed with her husband Miro to sell a field she had inherited for the needs of the household, she insisted on compensation. None being offered, she su
39、cceeded in dragging her husband to the scribe (法学家) to have a contract duly drawn up assigning her a piece of land from Miros personal inheritance. The unfortunate husband was obliged to agree, as the contract says, “for the sake of peace.“ Either through the dowry or through being hot-tempered, the
40、 Catalan wife knew how to win herself, with the context of the family, a powerful economic position.（分数：10.00）(1).A decimum was_.（分数：2.00）A.the wifes inheritance from her fatherB.a gift of money to the new husbandC.a protection of the wifes rightD.a written contract(2).In the 10th and 11th centuries
41、 in southern European, womens social position was_.（分数：2.00）A.higher than mensB.as high as mensC.lower than mensD.never recognized(3).The purpose of mentioning the case of Maria Vivas is_.（分数：2.00）A.to show women had the same rights as, if not more than, their husbandsB.to prove hot-tempered woman h
42、eld a powerful economic positionC.to tell the readers the real situations in some countriesD.to show the fight spirits of women(4).Could a husband sell his wifes inheritance according to this passage?（分数：2.00）A.Yes, if she agreed.B.No, under no circumstances.C.Yes, whenever he wished to.D.Yes, when
43、they needed money for the household.(5).Which of the following is NOT mentioned as an effect of the dowry system?（分数：2.00）A.The husband had to share the power of decision in marriage.B.The wife could manage her husbands personal property.C.The wife gained a powerful economic position.D.The wife woul
44、d not be deserted by her husband.大学英语四级改革适用（阅读）模拟试卷 275 答案解析(总分：60.00，做题时间：90 分钟)一、Reading Comprehensio(总题数：6，分数：60.00)1.Part III Reading Comprehension（分数：10.00）_解析：2.Section C（分数：10.00）_解析：Costlysometimes abusivecredit cards are bleeding millions of borrowers who didnt know what they were getting i
45、nto. The bottom-feeding cardsfor people with damaged creditoffer you a decent interest rate on credit lines “up to“ $3,000. When the card arrives, however, your line might be only $250. And then come the fees! Theyre charged to your tiny credit line, leaving you almost nothing to spend. Two better-k
46、nown card issuers with a big loan business are Capital One and HSBCs Orchard Bank. They charge lower upfront fees than other cards do. But if you fall behind, its tough. Cap Ones penalty rate is currently 28.15 percent. Orchard Bank doesnt disclose its penalty rate online and wouldnt tell you what i
47、t is. Cap One has a reputation for issuing multiple cards to people who bump up against their credit limits. That gives them two cards, with two low limits, to overspend. Lenders have figured out many ways of extracting fees. Theres “universal default“, where a late payment on one card can trigger h
48、igh penalty rates on every card you own. Theres the “endless late fee“, where your payments never catch up with the new penalties youre charged. Theres “two-cycle billing“too complicated to explain here, but which amounts to charging interest on balances that youve already paid. And “retroactive (追溯的) price hikes,“ where banks impose higher rates on old balances as well as new ones. These practices startle consumers who think
