六级模拟卷新题型缺听力Word下载.docx

六级模拟卷新题型缺听力Word下载.docx

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　　"

Becausewomenstartoffsolowintermsofwages，havinghigherliteracyandmoreskillsreally39abigdifference,"

saidKevinMiller，a40researchassociateatIWPRandco-authorofthestudy.

　　Womenneedtogo41intheirtrainingandeducationleveltoearnthesameasmen，Millersaid.

　　The42wasbasedonNationalAssessmentofAdultLiteracysurveys，themostrecentdata43，andfocusedonreadingskills，notwritingandnumericliteracy.Thatdatawas44fromanationallyrepresentativesampleof19,714peopleaged16andolder，livinginhouseholdsorprisons.

　　Datashowedaboutone-thirdofAmericanadultshavelowliteracylevels，andmorethan36percentofmenand33percentofwomenfallintothat45，theinstitutesaid.

A.patternI.conducted

　　　　　　B.seniorJ.independent

　　　　　　C.longerK.literacy

　　　　　　D.difficultiesL.analysis

　　　　　　E.categoryM.likely

　　　　　　F.collectedN.further

　　　　　　G.positionsO.makes

　　　　　　H.available

36、_____　　37、_______　　38、_______　　39、_______　　40、_______　　41、_______　42_______　　43、_______　　44、______　　45、_______

SectionB

Inthissection，youaregoingtoreadapassagewithtenstatementsattachedtoit.Eachstatementcontainsinformationgiveninoneoftheparagraphs.Identifytheparagraphfromwhichtheinformationisderived.

　　Youmaychooseaparagraphmorethanonce.Eachparagraphismarkedwithaletter.AnswerthequestionsbymarkingthecorrespondingletteronAnswerSheet2.

　　46、回答46-56题：

　　A）Thelegislationconcerningfinancialreformfocusesonhelpingregulatorsdetectanddefuse（减少....危险性）thenextcrisis.Butitdoesn'

taddressmanyoftheunderlyingconditionsthatcancauseproblems.

　　B）Thelegislationgivesregulatorsthepowertooverseeshadowbanksandtakefailingfirmsapart，convenesacouncilofsuperregulatorstowatchthemegafirmsthatposearisktothefullfinancialsystem，andmuchelse.

　　C）Butthebilldoesmoretohelpregulatorsdetectthenextfinancialcrisisthantoactuallystopitfromhappening.Inthatway，it'

slikethedifferencebetweenimprovingpublichealthandimprovingmedicine：

Thebillfocusesonhelpingthedoctorswhofigureoutwhenyou'

resickandhowtogetyoubetterratherthanontheconditions（sewersystemsandairqualityandhygienestandardsandsoon）thatcontributetowhetheryougetsickinthefirstplace.

　　D）Thatistosay，manyoftheweaknessesandimbalancesthatledtothefinancialcrisiswillsurviveourregulatoryresponse，andit'

simportanttokeepthatinmind.Soherearefivewestillhavetowatchoutfor:

　　1.TheGlobalGlut（供过于求）ofSavings

　　E）"

Oneoftheleadingindicatorsofafinancialcrisisiswhenyouhaveasustainedsurgeinmoneyflowingintothecountrywhichmakesborrowingcheaperandeasier,"

saysHarvardeconomistKennethRogoff.Ourcrisiswasnodifferent：

Between1987and1999，ourcurrentaccountdeficit--themeasureofhowmuchmoneyiscominginversusgoingout--fluctuatedbetween1and2percentofgrossdomesticproduct.By，ithadhit6percent.

　　F）Thesharprisewasdrivenbyemergingeconomieswithlotsofgrowthandfewinvestmentopportunities-thinkChina-funnelingtheirmoneytodevelopedeconomieswithlessgrowthandlotsofinvestmentopportunities.Butwe'

vegottenoutofthecrisiswithoutfixingit.Chinaisstillgrowingfast，exportingfaster，andsendingthemoneyovertoUS.

　　2.HouseholdDebt-andWhyWeNeedIt

　　G）Thefactthatmoneyisavailabletoborrowdoesn'

texplainwhyAmericansborrowedsomuchofit.HouseholddebtasapercentageofGDPwentfromabitlessthan60percentatthebeginningofthe1990stoabitlessthan100percentin."

ThisiswhereIcometoincomeinequality,"

saysRaghuramRajan，aneconomistattheUniversityofChicago."

Alargepartofthepopulationsawrelativelystagnantincomesoverthe1980sand1990s.Creditwassowelcomebecauseitkeptpeoplewhowerefallingbehindreasonablyhappy.Youwerekeepingup，evenifyourincomewasn'

t."

　　H）Incomes，ofcourse，areevenmorestagnantnowthatunemploymentisat9percent.Andthatpainisn'

tbeingsharedequally：

inequalityhasactuallyrisensincebeforetherecession，asjoblessnessisprovingstickyamongthepoor，butrecoveryhasbeenswiftfortherich.Householdborrowingisstillmorethan90percentofGDP，andtheconditionsthatdroveitupthereare，ifanything，worse.

　　3.The"

ShadowBanking"

Market

　　I）Thefinancialcrisisstartedoutsimilarlysevere，butitwasn'

t，atfirst，acrisisofconsumers.Itwasacrisisofbanks.Itneverbecameacrisisofconsumersbecauseconsumerdepositsareinsured.Butlargeinvestors-pensionfunds，banks，corporations，andothers--aren'

tinsured.Butwhentheyhearthattheircollateral（从属担保品）isdroppinginvalue，theydemandtheirmoneyback.Andwheneveryonedoesthatatonce，it'

slikeanold-fashionedbankrun：

Thebankscan'

tpayeveryoneoffatonce，sotheyunloadalltheirassetstogetcapital，theassetsbecomeworthlessbecauseeveryoneistryingtounloadthem，andthebankscollapse.

　　J）"

Thisisaninherentproblemofprivatelycreatedmoney,"

saysGaryGorton，aneconomistatPrincetonUniversity."

Itisvulnerabletothesekindsofruns."

Thisyear，we'

rebringingthisshadowbankingsystemunderthecontrolofregulatorsandgivingthemallsortsofinformationonitandpoweroverit，butwe'

renotdoinganythinglikedepositinsurance，wherewesimplymakethedepositssafesorunsbecomeananachronism.

　　4.RichBanks

　　K）Inthe1980s，thefinancialsector'

sshareoftotalcorporateprofitsrangedfromabout10to20percent.By，itwasabout35percent.SimonJohnson，aneconomistatMIT，recallsaconversationhehadwithafundmanager."

Theguysaidtome，'

Simon，it'

ssolittlemoney！

Youcanswaysenatorsfor$10million!

?

'

"

Johnsonlaughsruefully（后悔地）."

Theseguys[biginvestors]don'

teventhinkinmillions.Theythinkinbillions."

　　L）Whatyougetforthatmoneyisfavors.Thelastfinancialcrisisfadesfrommemoryandthepublicbeginstofocusonotherthings.Thenthefinanceguysbeginnudging（游说）.Theyholdsomefundraisersforpoliticians，makesomefriends，explainhowtheregulationsthey'

reunderareonerousandunfair.Andslowly，surely，thoseregulationscomeundone.Thisfinancialcrisiswillstickinourmindsforawhile，butnotforever.Andafterbrieflydroppingtolessthan15percentofcorporateprofits，thefinancialsectorhasreboundedtomorethan30percent.They'

llhaveplentyofmoneywithwhichtohelptheirfriendsforgetthiswholenastyaffair.

　　5.Lax（不严格）Regulators

　　M）Themosttroublingprospectisthechancethatthisbill，ifwe'

dpasseditin，wouldn'

tevenhavepreventedthisfinancialcrisis.That'

snottoundersellit：

Itwould'

vegivenregulatorsmoreinformationwithwhichtopredictthecrisis.Buttheyhadenoughinformation，andtheyignoredit.Theygetcaughtupinboomtimesjustlikeeveryoneelse.Abubble，almostbydefinition，affectstheregulatorswiththepowertopopit.

　　N）In，withhousingpricesrunningfar，faraheadofthehistoricaltrend，Bemankesaidahousingbubblewas"

aprettyunlikelypossibility"

.In，hesaidFedofficials"

donotexpectsignificantspilloversfromthesubprimemarkettotherestoftheeconomy."

AlanGreenspan，lookingbackatthefinancialcrisis，admittedinAprilthatregulators"

havehadawoefulrecordofchronicfailure.Historytellsustheycannotidentifythetimingofacrisis，oranticipateexactlywhereitwillbelocatedorhowlargethelossesandspilloverswillbe."

　　Inthe1980sand1990speopleexperiencednosubstantialincreaseintermsofincome，whichbroughtaboutthepopularityofcredit.

　　47、Financialcrisisisacrisisofbanksinthatshadowbankingmaycausebankstofail.

　　48、Thefinanceguysmakefriendswithpoliticiansinthehopeofmakingsomeburdensomeandunfairregulationscancelled.

　　49、Thelegislationconcerningfinancialreformoffersregulatorsthepowerofsupervisingshadowbanksanddisintegratingcompaniesonthevergeofbankruptcy.

　　50、Intermsoftheeffectofunemployment，itismoredeeplyfeltbythepoorthanbytherich.

　　51、Eveniftherewasenoughinformationtopredicttherewouldbefinancialcrisis，theregulatorsstillchosetoignoreit.

　　52、Emergingeconomieswithinsufficientinvestmentopportunitieshaveinvestedmuchmoneyindevelopedcountries.

　　53、Regulatorswithpowertendedtofailagainandagainconcerningforecastingafinancialcrisis.

　　54、AfundmanagerorlargeinvestorisconsideredabsurdlyrichbyaneconomistfromMIT.

　　55、Largeinvestors'

depositscanbemadesaferifshadowbankingsystemisunderthecontrolofregulators.

　　Se