您的位置:外语教育网 > 职称英语 > 试题中心 > 模拟试题 > 正文

职称英语考试:阅读理解练习题(7)

2016-01-27 14:50   来源:外语教育网整理       我要纠错 | 打印 | 收藏 | | |

When IBM announced an overhaul of its pension plan for employees in America last week, it joined a parade of employers that are shifting more responsibility for saving for retirement on to workers. For many Americans, of course, this is nothing new: millions of them have been managing their retirement assets in individual accounts for years. Nevertheless, in both America and Britain the closure of paternalistic(家长式作风的,感情主义的) corporate "defined benefit" programmes, in which pensions depend on earnings and years of service, is accelerating—even at healthy companies such as IBM.

To the extent that this creates and encourages individual choice and responsibility, it is something to welcome rather than to fear. Many other countries, facing huge state—pension obligations, would also like to see their citizens assume a bigger role in providing for their own retirement. Even so, the trend raises an important question: how much do people due to take on these new responsibilities know about basic financial concepts?

The answer seems to be; not much, and less than they think they do. Studies show that many people overestimate their knowledge of everything from inflation to risk diversification and compound interest. One survey in Australia found that 37% of people who owned investments did not know that they could fluctuate in value. In America 31% did not know that the finance charge on a credit-card-statement is what they pay to use credit. Britain‘s Financial Services Authority will release the results of its own survey on financial literacy in the next month or two.

Even educated professionals may know the basics but see no need to keep up to date—having no idea of the interest rates on their credit cards, the fees on their mutual funds or how their investments are doing. But in both America and Britain low personal saving rates (negative in America, indeed) and record numbers of personal bankruptcies do not bode well. If people are to take charge of their pensions, shouldn‘t they know a little more?

In the end, ignorance could rebound on governments: if people save too little for old age, the state may have to provide for them willy-nilly(不管愿意与否)。 "Governments are taking this very seriously." says Barbara Smith of the Organisation for Economic Co-operation and Development, which recently produced a report on global financial literacy.Just this week the British govern- ment launched an online debt calculator for overstretched consumers and a money-management course for teenagers that will be offered in schools across the country later this year. New Zealand is another country trying to catch its people young; one official financial—information website there includes an online game on "Money Island".

1. It is informed in the text that__________.

A. IBM cannot help but overhaul its pension plan

B. IBM takes much responsibility for saving for retirement

C. workers will assume more financial responsibility for their old age

D. most Americans have taken on responsibility for saving for retirement

2. Corporate "defined benefit" programmes will come to an end primarily because________.

A. most companies are not so healthy as IBM

B. it can help companies relieve their pension obligations

C. millions of Americans have opened their individual accounts for years

D. more factors should be taken into consideration for a healthy pension plan

3. If one is to assume more financial responsibility, he should have more knowledge about_____.

A. risk diversification

B. basic financial concepts

C. how much he pays to use credit

D. the fluctuation in value of his investment

4. It can be inferred from the text that________.

A. even professionals are short of financial information

B. personal saving rates will no doubt increase remarkably

C. professionals are usually better prepared for their retirement

D. there will be less personal bankruptcies in both America and Britain

5. The main idea of this text is that_________.

A. most people are very ignorant about investment

B. individuals should have more choices and responsibility

C. individuals should be better prepared for their retirement

D. government should provide official financial-information

参考答案:C B B A C

我要纠错】 责任编辑:文琪
相关资讯:
网站导航:
 四六级 指南 动态 经验 试题 资料  托福 指南 动态 考情 经验 复习
 雅思 指南 动态 机经 备考 留学  公共英语 指南 动态 备考 试题 辅导
 日语 指南 资讯 辅导 留学 考试  法语 发音 词汇 语法 听说 阅读
 韩语 入门 口语 阅读 留学 文化  西语 口语 词汇 阅读 留学 风采

网校介绍

更多>>
a>

外语教育网(www.for68.com)是北京东大正保科技有限公司(CDEL)旗下一家大型外语远程教育网站,正保科技成立于2005年7月,是国内超大型外语远程教育基地,上榜“北京优质教育资源榜”--“百万读者推崇的网络教育机构”。


公司凭借雄厚的师资力量、先进的网络视频多媒体课件技术、严谨细致的教学作风、灵活多样的教学方式,为学员提供完整、优化的外语课程,既打破了传统面授的诸多限制,发挥了网络教育的优势,也兼顾面授的答疑与互动特点,为我国培养了大量优秀的外语人才。


为了满足学员学习不同语种、不同阶段的学习需求,网站开设了包括考试英语、行业英语、实用口语以及小语种在内的百余门语言学习课程,涵盖英语、日语、韩语、俄语、德语、法语、西班牙语、意大利语、阿拉伯语等主要语种,供学员自由选择。此外,网站还拥有各类外语专业信息和考试信息20余万条,是广大学员了解外语类考试最新政策、动态及参加各语种培训的优质网站。


北京东大正保科技有限公司成立于2000年,是一家具备网络教育资质、经教育部批准开展远程教育的专业公司,为北京市高新技术企业、中国十大教育集团、联合国教科文组织技术与职业教育培训在中国的唯一试点项目。


公司下属13家行业远程教育网站,业务涵盖了会计、法律、医学、建设、自考、成考、考研、中小学、外语、信息技术、汉语言教学等诸多领域,拥有办公面积8000多平米,员工近千人,公司年招生规模达270万人。由于正保远程教育(China Distance Education Holdings Ltd., CDEL)在中国互联网远程教育行业内的绝对优势和强大影响力,正保教育模式一直被广大投资人所追捧。2008年7月30日,公司在美国纽约证券交易所正式挂牌上市(股票交易代码:DL),是2008年唯一一家在美国纽交所上市的专业从事互联网远程教育的中国企业。


精彩推荐

版权声明
   1、凡本网注明 “来源:外语教育网”的所有作品,版权均属外语教育网所有,未经本网授权不得转载、链接、转贴或以其他方式使用;已经本网授权的,应在授权范围内使用,且必须注明“来源:外语教育网”。违反上述声明者,本网将追究其法律责任。
  2、本网部分资料为网上搜集转载,均尽力标明作者和出处。对于本网刊载作品涉及版权等问题的,请作者与本网站联系,本网站核实确认后会尽快予以处理。
  本网转载之作品,并不意味着认同该作品的观点或真实性。如其他媒体、网站或个人转载使用,请与著作权人联系,并自负法律责任。
  3、本网站欢迎积极投稿
  4、联系方式:
编辑信箱:for68@chinaacc.com
电话:010-82319999-2371