英语六级真题第二套Word格式文档下载.doc

英语六级真题第二套Word格式文档下载.doc

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OnMaintainingTrust

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PartIIReadingComprehension（SkimmingandScanning）（15minutes）

Inthispart,youwillhave15minutestogooverthepassagequicklyandanswerthequestionsonAnswerSheet1.Forquestions1-7,choosethebestanswerfromthefourchoicesmarkedA）,B）,C）andD）.Forquestions8-10,completethesentenceswiththeinformationgiveninthepassage.

Ratesarelow,butconsumerswon'

tborrow

Withheavydebtloadsandhighjoblessness,Americansarecautious

TheUSFederalReserve（Fed）'

sannouncementlastweekthatitintendedtokeepcreditcheapforatleasttwomoreyearswasaclearinvitationtoAmericans:

Gooutandborrow. 

Butmanyeconomistssayitwilltakemorethanlowinterestratestopersuadeconsumerstotakeonmoredebt.Therearealreadysignsthattherecentstockmarketfluctuations,turbulenceinEuropeandtheUSdeficithavescaredconsumers.OnFriday,preliminarydatashowedthattheThomsonReuters/UniversityofMichiganconsumersentimentindexhadfallenthismonthtolowerthanitwasinNovember2008,whentheUnitedStateswasdeepinrecession. 

Undernormalcircumstances,theFed'

sannouncementmighthaveattractednewhomeandcarbuyersandpromptedcreditcardholderstorackupfreshcharges.Butwithunemploymenthighandthosewithjobsworriedaboutkeepingthem,consumersaremoreconcernedaboutpayingofftheloanstheyalreadyhavethanaddingmoredebt.Andbyshowingitshandforthenexttwoyears,theFedmayhavethoughtlesslyinvitedprospectiveborrowerstoputofflargepurchases. 

Lenders,meanwhile,arestilldealingwiththeeffectsoftheboom-gone-bustandareforcingprospectiveborrowerstogotoextraordinarylengthstoprovetheircreditworthiness. 

"

Idon'

tthinklendersaregoingtobeinterestedinextendingalotofdebtinthisenvironment,"

saidMarkZandi,chiefeconomistofMoody'

sAnalytics,amacroeconomicconsultingfirm."

NordoIthinkhouseholdsaregoingtobeinterestedintakingonalotofdebt."

Inhousing,consumershavealreadyshownaslowresponsetolowrates.Applicationsfornewmortgageshavedecreasedthisyeartoa10-yearlow,accordingtotheMortgageBankersAssociation.Salesoffurnitureandfurnishingsremain22%belowtheirpre-recessionpeak,accordingtoSpendingPulse,aresearchreportbyMasterCardAdvisors.

Creditcardrateshaveactuallygoneupslightlyinthepastyear.Theonebrightspotinlendingisthenumberofautoloans,whichisupfromlastyear.Butsomeeconomistssaythatconfidenceamongcarbuyersishittingnewlows. 

ForXavierWalter,aformermortgagebankerwhowithhiswife,Danielle,accumulated$20000increditcarddebt,lowrateswillnotchangehisspendinghabits. 

Asthehousingmarkettoppedoutfiveyearsago,helosthissix-figureincome.Heandhiswifewereabletomodifythemortgageontheirfour-bedroomhouseinMedford,NewJersey,aswellasnegotiatelowercreditcardpayments. 

Twoyearsago,Mr.Walter,a34-year-oldfatherofthree,startedanenergybusiness.Hehasswornoffcredit."

I'

mnotgoingtogobackindebteveragain,"

hesaid."

IfIcan'

tpayforitincash,Idon'

twantit."

Untilnow,oneofthebiggestrestraintsonconsumerspendinghasbeenadebtaftereffect.SinceAugust2008,whenhouseholddebtpeakedat$12.41trillion,ithasdeclinedbyabout$1.2trillion,accordingtoananalysisbyMoody'

sAnalyticsofdatafromtheFederalReserveandEquifax,thecreditagency.Alargeportionofthat,though,wassimplywrittenoffbylendersasborrowersdefaultedonloans. 

Byothermeasures,householdshaveimprovedtheirposition.Theproportionofafter-taxincomethathouseholdsspendtoremaincurrentonloanpaymentshasfallen. 

Still,householddebtremainshigh.Thatpresentsaparadox:

manyeconomist