英语六级真题第二套.doc

英语六级真题第二套.doc

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2012年12月英语六级考试真题试卷（第二套）

PartIWriting（30minutes）

Directions:

Forthispart,youareallowed30minutestowriteashortessayentitledOnMaintainingTrustbycommentingonthesaying,“Trustisthemostfrequentlyusedwordwhenwearetalkingaboutinterpersonalrelationships.However,itishardtobuildtrustbuteasytodestroyit.Therefore,howtobuildandmaintaintrustisveryimportantforus.”Youshouldwriteatleast150wordsbutnomorethan200words.

OnMaintainingTrust

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PartIIReadingComprehension（SkimmingandScanning）（15minutes）

Directions:

 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