专业英语四级阅读14.docx
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专业英语四级阅读14
专业英语四级阅读-14
(总分:
100.00,做题时间:
90分钟)
一、{{B}}READINGCOMPREHENSION{{/B}}(总题数:
0,分数:
0.00)
二、{{B}}TEXTA{{/B}}(总题数:
1,分数:
25.00)
Ah,youth.Thetimeforbodypiercings,stayingoutlateand...aportfolioofultrasecureT-bills?
Traditionally,weassociatetheearlyyearswithriskybehavior—butoneconsequenceoftherecessionappearstobeashiftintheway18-to34-year-oldshandlemoney.Affluentmillennialsand30-somethingssaytheirtoleranceforriskyinvestmentsismuchlowerthanitwasayearago,rivaledonlybypeopleovertheageof65,accordingtoanewstudybyMerrillLynchGlobalWealthManagement."Itistrulyagenerationalchange,"saysDaveGeschke,anexecutiveatAmeriprisefinancial."Themarketgotcutinhalf.Housinggotcutinhalf.Peoplesawtheirassetclassesgetblownup."
Avoidingriskmayfeelsensibletoagenerationwhosefinancialcoming-of-agehasbeenbookendedbythedotcombubbleandthesubprime-mortgagemeltdown.In2010,only41percentof18-to29-year-oldsreportedworkingfulltime,comparedwith50percentin2006,accordingtothePewResearchCenter.Millennialsweremorelikelytoreportlosingtheirjobsthanworkersovertheageof30,andmanyrecentcollegegraduateshavehadahardtimefindingatoeholdinatightlabormarket,evenasthenationalunemploymentrateroseFridayto9.6percent.Ifthe18-to34-year-oldsfeelmorecautiousaboutinvesting,it'spartlybecausetheyhavelessmoneytospendandlittleeconomicsecurity.
Inresponse,financialfirmshavebeguntweakingtheirproducts.Target-dateretirementfundsforyounginvestors,managedbymutual-fundgiantJohnHancock,recentlydecreasedexposuretostocksby10to15percent.Anecdotally,financialplannerssayyoungclientsarekeepingmorecashonhand,andonlinebankssuchasINGDirecthaverolledoutsavingsaccountswithslightlyhigherinterestrates."We'reseeingpeopletrytoputbellsandwhistlesonveryconservativeinvestments,"saysDavidCarter,chiefinvestmentofficeratLenoxAdvisors.
Butinthelongterm,isitwisefor18-to34-year-oldstoavoidstocks,loaduponbonds,andkeepmorecashintheirbankaccounts?
Perhapsnot,iftheywanttolivecomfortablyinretirement."Youneedthegrowthpotentialofstocks,"saysChristineBenz,directorofpersonalfinanceforMorningstar:
com."Investorscannotexpectthesamereturnsfrombondsandbondfunds."
Oneidiosyncrasy(特质)remainsthisgeneration'sattitudetowardmoney.ThePewResearchCenter'sfindingsshowthat85percentofadultsunder30feeloptimisticabouttheirfinancialfuture,comparedwith45percentofthe50-and-upcrowd.Threequartersofyoungadultssurveyedbythecentersaytheyfeelconfidenttheywillhaveenoughmoneytoretire.So,whilethetwinbustsmayhavediminishedtheirappetiteforrisknow,there'sreasontobelieveyoungadults'faithinthemarketwilleventuallyreturn.(分数:
25.00)
(1).Whatisthegenerationalchangementionedinthepassage?
∙A.18-to34-year-oldsareexperiencingrecession.
∙B.18-to34-year-olds'assetclassesaregettingblownup.
∙C.18-to34-year-oldslikeriskybehaviorsmore.
∙D.18-to34-year-oldstendtoavoidriskyinvestments.
(分数:
5.00)
A.
B.
C.
D. √
解析:
事实细节题。
第二段中戴夫·格施克说“Itistrulyagenerationalchange”,其中的it指代的就是前面提到的富裕的千禧年一代和30多岁的人对风险投资的接受度比一年前低多了。
另外从第三段也可以得知这些人在回避风险投资,故D正确。
正在经历经济衰退是导致generationalchange的原因,不是改变的内容,故A错误。
资产缩水也是导致改变的原因,故B错误。
原文说这些年轻人在回避风险投资,C项与原文意思相反,故错误。
(2).Howdofinancialfirmsrespondtomodernyoungpeoplebecomingmorecautiousaboutinvesting?
∙A.Theyhaveturnedtoincreasemoreconservativeproducts.
∙B.Theyhavetargetedproductsofretirementfundsforyounginvestors.
∙C.Theyhavefocusedonpublicitytoinspireyoungadultstoriskyinvestments.
∙D.Theyhavedecreasedtheinterestratesofsavingsaccounts.
(分数:
5.00)
A. √
B.
C.
D.
解析:
推理判断题。
第四段开头提到作为回应,金融机构已经开始调整他们的产品,比如减少在股票上的投资比例,网上银行推出高利率的储蓄账户等。
另外从最后一句也可以看出人们努力发挥每一项保守投资的价值,故可以判断出金融机构在增加保守投资产品,A正确。
(3).Inthelongrun,itmaybenotwisefor18-to34-year-oldstoavoidstocksiftheywantacomfortableretirementbecause
∙A.theywillregretnothavinginvestedinstocks.
∙B.bondsandbondfundshavehighersecurity.
∙C.stockshavegreatergrowthpotential.
∙D.investinginstockscanhavehigherreturns.
(分数:
5.00)
A.
B.
C. √
D.
解析:
事实细节题。
第五段提到长期来看,如果18至34岁之间人想要舒适的退休生活,那么他们回避股市也许并不明智,因为他们需要股票增长的潜力,而这是债券和基金所不能比的。
由此可以看出回避股市不明智的原因是股市有更大的增长潜力,故C正确。
原文没有说这些人将来一定会后悔没有投资股市,A过于绝对,故错误。
债券和基金确实具有更高的安全眭,这是人们回避股市的原因,但这与题干要求“人们回避股市不明智的原因”不符,故B错误。
原文只是说股票有更大的增长潜力,但不是说一定会有更高的回报,故D错误。
(4).Whatissaidaboutthisgeneration'sattitudetowardmoney?
∙A.Mostyoungpeoplearepessimisticabouttheirfinancialfuture.
∙B.Olderpeoplearemoreoptimisticthanyoungadultsabouttheirfinance.
∙C.Theminorityofyoungadultsworryabouttheirmoneyforretirement.
∙D.Generallyspeaking,people'sconfidenceforinvestmentisn'treduced.
(分数:
5.00)
A.
B.
C. √
D.
解析:
事实细节题。
最后一段提到接受调查的年轻人中有四分之三表示,他们相信他们会有足够的钱退休,也就是说只有少部分年轻人会担心退休后钱的问题,故C正确。
第二句提到调查结果显示85%的30岁以下的成年人对他们的经济前景感到乐观,而50岁以上的人中如此乐观的只有45%。
也就是说大多数年轻人对经济前景感到乐观,而且相比之下年轻人比年长的人更乐观。
A、B两项与原文意思相反,故错误。
原文说有理由相信年轻人对市场的信心最终会回升的,但不是说人们现在对投资的信心没有减少,D理解错误。
(5).WhichofthefollowingstatementsisNOTtrue?
∙A.Returnsfrombondsandbondfundsmaybelessthanfromstocks.
∙B.Youngadultsarecautiousaboutinvestingmainlybecauseoftheeconomicinsecurity.
∙C.It'sperhapsunwisefortheyoungadultstokeepmorecashintheirbankaccounts.
∙D.Youngadultsareshyingawayfromstockmarket.
(分数:
5.00)
A.
B. √
C.
D.
解析:
事实细节题。
第五段最后一句引用克里斯汀·本茨的话“投资者不能期待在债券和基金上获得和股票同样的收益”,可见债券和基金的收益可能比股票少,A表述正确;由第三段尾句知18至34岁之间的人对待投资更谨慎了,原因是他们的收入少了以及经济形势不容乐观,可见经济的不稳定性只是部分原因,不是主要原因,B错误,为答案;由第五段前两句可知,在银行存储更多的现金或许并不明智,即C表述正确;全文都在围绕年轻人回避股市展开,故D表述也正确。
三、{{B}}TEXTB{{/B}}(总题数:
1,分数:
30.00)
Maybeyouryouthgrouphastalkedabouttakingeveryonetothemountainsthiswinterfortheirannualskitrip.Youcan'twaittogo...Butthere'sjustonelittlething:
you'veneversnowboardedbefore!
Well,havenofear.Ifweweresittingnexttoeachotheronthebusrideintothemountains,here'swhatI'dtellyou:
Ifyoucan,learnwhenthesnowissoft.Iknowsnowboardingonfreshsnowisn'talwaysanoption,butyou'regoingtobefallinglikecrazyduringthefirstweekend.Sinceyou'redesiredtofall,thequestionbecomes:
Wouldyouratherfallonconcreteoradowncomforter?
There'smuchofadifference,sotryboardingrightafterasnowstorm.
Ridethehigh-speeddetachablelifts.Allthebigresortshavethem:
high-speeddetachablequadliftsthatslowtoacrawljustbeforeyoudropyourseatintothebench.Theolderdouble-chair-liftsandtriple-chair-liftsarehardertodealwithbecausetheydon'tslowdownwhenyougeton.It'salsomucheasierdisembarkingfromahigh-speeddetachablequadwhenyoureachthetopbecausetheliftslowswaydown.You'llalsofrustrateyourselfbyridingpomasandT-bars,soavoidthemaswell.
Youshouldalsobeg,borroworstealwristguardsandahelmet.Well,don'tstealthem,butwristguardsshouldbestandardequipmentforbeginnersnowboarders.Mostbrokenboneshappenwhenboarderstrytobreaktheirfallbystickingtheirarmsout,butthismaneuveroftenresultsininjuries.And,ofcourse,you'vegottoprotectyourhead.
Learntofalltherightway.Sincefallingisagiven,learntofallintherightway.Whenyoufeelyourselfstartingtoloseyourbalance,getaslowaspossible—almostlikeyou'reslidingintosecondbase.Letyourbodyabsorbtheblow.Bendyourkneeswhileresistingtheurgetostickoutyourarmstobreakyourfall.Ifyoucan"getdown"themomentyoufeelyourselflosingyourbalance,you'llprobablycrashwithoutexperiencinginjury.
Getgoodinstruction.Iamallforfriendsteachingtheirfriends,butsometimesit'sbesttoleavetheinstructiontotheprofessionals.Friendsmaybegreatboardersbuthorribleinstructors,andmanycan'ttellyouwhatyou'redoingwrong.
Ifyoucanaffordit,takeasnowboardclassfromthelocalskischool.Snowboardinstructionhasimprovedalotinthelastfewyears.Whilesomepeoplewanttofigureitoutontheirown,butIstillrecommendaclassforthefirstdayortwo.
Don'tgetdiscouraged.Youcancountonthefirstdaybeingtheworstday.Everyonehasahardtimeatfirst,butthegoodnewsisthatsnowboardinghasareallyfastlearningcurve,especiallycomparedtoskiingandsurfing.Youshouldfeeltremendousprogressbytheendoffirstdayorsecondday.
Well,thereyouhaveit.Snowboarding'sagreatsport,andyou'regoingtogethooked.Justbesuretogiveyourselfafewdaystoadjusttomakingyourboardcarvethosebigturns.(分数:
30.00)
(1).Whyshouldbeginnerstrysnowboardingrightafterasnowstorm?
∙A.Becausethatmaypreventthemfromgettingseriouslyinjured.
∙B.Becausetheywillfallonsnowjustlikefallingontheconcrete.
∙C.Becausetheycanlearnhowtoboardfaster.
∙D.Becausetheweatherisbestforthemtolearnsnowboarding.
(分数:
5.00)
A. √
B.
C.
D.
解析:
推理判断题。
根据题干关键词rightafterasnowstorm,将答案定位于第三段。
该段倒数第二句谈到:
“既然摔跤是不可避免的,那你是愿意摔在水泥地上还是鸭绒被上?
”也就是说,初学者容易摔跤,如果是刚下过雪,地面上的雪很软,摔起来就没有那么疼;由此可知,A正确。
新鲜的雪不会让初学者感觉像摔在水泥地上,故B错误;C“初学者会学得更快”文章未提及;D“那样的天气对初学滑雪者最好”说得太笼统,所以不选。
(2).Whichliftwouldbebetterforabeginner?
∙A.Double-chair-lifts.
∙B.T-bars.
∙C.Triple-chair-lifts.
∙D.Quadlifts.
(分数:
5.00)
A.
B.
C.
D. √
解析:
事实细节题。
作者在第四段提到了几种吊车,其中他赞成初学者乘坐在上下车时可以减速的高速可拆卸的四座吊车,所以选D。
由该段第三句可知,A、C所提到的吊车不能减速,作者不推荐初学者使用;由最后一句可知,B也是作者建议初学者慎选的。
(3).Theauthorseemstodisapprovethat
∙A.beginnersmustfalldownmanytimesduringthefirstweek.
∙B.beginnersshouldhavestandardequipments.
∙C.whenyouloseyourbalance,youshouldprotectyourh