单句理解听力原文：Collateral can never make a bad loan good, but it can turn a good loan into a better one.(1)A．Collateral sometimes turns a bad loan into a good one.B．Good loans can be turned into better loans with collaterals.C．Collateral can turn a good loan in
题目
单句理解
听力原文：Collateral can never make a bad loan good, but it can turn a good loan into a better one.
(1)
A．Collateral sometimes turns a bad loan into a good one.
B．Good loans can be turned into better loans with collaterals.
C．Collateral can turn a good loan into a bad one.
D．Collateral can turn a bad loan into a worse one.
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第1题：
Which of the following can secure a term loan?
A．Securities.
B．Land and building.
C．Accounts receivable.
D．Inventory.
正确答案：B
解析：倒数第三句Term loans normally are secured by fixed assets...owned by the borrower and...意指定期贷款通常由借款人的固定资产来提供可靠的保证，例如固定设备和房地产等。 -
第2题：
听力原文： Some banks offer other types of loans repayable by monthly installments, such as business development loans, house improvement loans, and farm development loans. These may be either secured or unsecured. Secured loans attract a slightly lower rate of interest than unsecured loans. Some banks offer revolving credit schemes. These normally involve loans repayable by regular monthly installments, but they differ from other loans repayable by installments in two respects. First, the borrower need not take up the full amount of the loan at the outset. Secondly, as his repayments reduce his indebtedness, he can "top up" his loan by borrowing more, provided that the total debt outstanding does not exceed his agreed credit limit. In 1967 some banks introduced a new form. of account called a "budget account". The object is to allow personal customers to spread the incidence of normal personal and household expenditure.
24. Which of the following loans is not repaid by installments?
25.Which of the following loans would attract a lower rate of interest?
26.How does a borrower "top up" his loan?
27.What is the objective of introduction of the budget account?
(24)
A．Business development loans.
B．House improvement loans.
C．Farm development loans.
D．Overdrafts.
正确答案：D
解析：录音原文一开始提到Some banks offer...and farm development loans. 一些银行推出其他种类按月分期还款的贷款，例如商业发展贷款、住房改善贷款和农业发展贷款。 -
第3题：
The bank's request for loan security is ______.
A．to make the loan more profitable
B．to make the loan more diversified
C．to reduce the loss in case of default
D．to guard against deterioration of loan collateral
正确答案：C
解析：文章第一段提到The main reason for requesting that…to repay the loan at maturity．银行在发放贷款时向借款人要求一定的抵押品，主要是为了降低风险，在借款人不能按时还款时，可以处置抵押品来降低贷款损失。 -
第4题：
By origin, English words can be classified as “native words” and “loan words”.( )此题为判断题(对，错)。
正确答案：正确
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第5题：
资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.
Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.
If you fall into either of these categories，it’s smart to focus on raising your credit scores.
If you have no credit score，you don’t have a credit history.If you have bad credit，it’s likely that you’ve mishandled credit in the past.And these two less-than-ideal credit standings require different solutions.
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control.
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep your debt low.It takes diligence and dedication，but it can be done.
The main purpose of the passage is to______.A.teach people how to have credit accounts
B.suggest ways for people to keep good credit record
C.present a concern about people’s bad credit nowadays
D.explain the differences between no-credit and bad credit答案：D解析：本题考查的是主旨大意。
【关键词】main purpose
【主题句】第1自然段No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.经常听到无信用、不良信用这些术语，它们之间容易混淆，但这些信用状态并不是一回事。
【解析】本题的问题是“该段落的主要目的是_______”。A选项“教人们如何拥有信用账户”；B选项“推荐人们保持良好信用记录的方式”；C选项“表达对现在人们不良信用的关注”；D选项“解释无信用和不良信用之间的差异”。通读全文，文章开头引出无信用和不良信用这两种信用状态，之后分别进行解释，并给予改善信用状态的措施和方法，故D选项更符合题意。 -
第6题：
资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.
Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.
If you fall into either of these categories，it’s smart to focus on raising your credit scores.
If you have no credit score，you don’t have a credit history.If you have bad credit，it’s likely that you’ve mishandled credit in the past.And these two less-than-ideal credit standings require different solutions.
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control.
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep your debt low.It takes diligence and dedication，but it can be done.
It can be inferred that the potential lenders______A.will probably loan money bad-credit people as they still have open accounts.
B.will probably loan money no-credit people as they haven’t made any financial mistakes.
C.won’t risk loaning money or extending credit to no-credit person or bad-credit person.
D.None of above答案：C解析：本题考查的是推理判断。
【关键词】inferred；potential lenders
【主题句】第3自然段Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.潜在的贷款人会想知道你确定会偿还你所借的款项。他们应该不会冒险借钱或将信贷扩展到信誉度可疑的人，或者更糟糕的是，有不良的资金管理记录的人。
【解析】本题的问题是“可以推断出潜在的贷款人，_______”。A选项“因为他们仍有开户，可能会向坏账信贷人员贷款”；B选项“由于没有出现任何经济上的错误，他们可能会向没有信贷的人贷款”；C选项“不会冒险借款，或向无信贷人或不良信用人提供信贷”；D选项“以上皆不”。根据题目中关键词找到主题句，贷款人不会冒险贷款，故选C。 -
第7题：
资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.
Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.
If you fall into either of these categories，it’s smart to focus on raising your credit scores.
If you have no credit score，you don’t have a credit history.If you have bad credit，it’s likely that you’ve mishandled credit in the past.And these two less-than-ideal credit standings require different solutions.
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control.
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep your debt low.It takes diligence and dedication，but it can be done.
Which topic has not been covered in the passage？A.Next steps to take for people in different categories
B.How no credit and bad credit are different
C.How no credit and bad credit are similar
D.All the above have been discussed in the passage答案：D解析：本题考查的是细节理解。
【关键词】topic；not been covered
【主题句】第1自然段No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.经常听到无信用、不良信用这些术语，它们之间很容易混淆，但这些信用状态并不是一回事。
第2自然段Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.无论您没有信用还是信用不良，有一件事是肯定的——您没有良好的信誉。没有良好的信誉，您在申请贷款或信用卡时都势必要打一场硬战。
第6自然段If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.如果您属于无信用类别，则不一定是出现了什么财务问题。在这种情况下，对于无信用的人而言，创建信用记录的一种好方法是获取信用卡。
第7自然段If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.如果您属于此类别且需要信用，则需要查找不良信用的信用卡。
【解析】本题的问题是“文章中没有涉及哪个主题？”A选项“为不同信用类别的人们提供后续步骤”；B选项“没有信用和不良信用是不同的”；C选项“没有信用和不良信用是相似的”；D选项“以上所有内容已在文章中讨论过”。通读全文，作者在开头提出无信用和不良信用虽然易混，但是截然不同，并具体阐释两者共通之处和相互差异。之后，给予两种不同信用状态用户相应的解决措施和方法，因而选项A、B、C文章都谈论到，故选D。 -
第8题：
Which sweater do you like better? （）
- A、Good idea
- B、Yes, it's nice
- C、Yes, please
- D、I can't decide
正确答案:D -
第9题：
单选题What is the main theme of the passage?AExpecting things to be different gives us hope
BAccepting can make our life happier and better
CTraditional culture becomes root of unhappiness
DJudging good or bad is important for our world
正确答案： D解析：
文章开头提出人们不快乐的根源是不愿意接受事物本来的样子，然后进一步分析说明，最后建议人们想要变得快乐就要学会接受、理解事物本来的样子。故选B。 -
第10题：
问答题Task II (20 marks) Read the following poem and write an essay in which you discuss its moral and express your personal views.LifeBy Langston HughesLife can be good,Life can be bad,Life is mostly cheerful,But sometimes sad.Life can be dreams,Life can be great thoughts;Life can mean a personSitting in court.Life can be dirty,Life can even be painful;but life is what you make it.So try to make it beautiful. You should write no less than 160 words. Now write the essay on the Answer Sheet.正确答案：
In this little poem, the poet conveys to us that we ourselves are the masters of our life. There are many kinds of life: good, bad, cheerful, painful, thoughtful or dirty. Which kind we are going to live depends on our own choice.
I can’t agree more with the poet’s view. To make our life beautiful, we have many things to do. The first and foremost is to know that the meaning of life is to love and to give. Too many of us are waiting to be loved and given and complaining if disappointed, never knowing the greater happiness of giving. Secondly, we need to have an optimistic and positive attitude. If we see the life as good and colorful, then it is good and colorful. The last but not least is that we should always have dreams and make efforts to realize them. The content of achieving goals is the spring of happiness in life.
Life is what we make it. Try to love and to give, to have an optimistic and positive mind and to keep on striving for dreams, and then we will have a beautiful life to enjoy.解析： 暂无解析 -
第11题：
单选题Karen: Can you tell me if my proposal was accepted? Mitchell: ______ But, you can come see me if you have any better ideas.AThat’s very good.
BIt’s very kind of you.
CI’m glad you did that.
DIt was turned down.
正确答案： B解析：
由后面的内容可知意见并未被采纳。 -
第12题：
单选题If you are a good investor, ______ in the stock market.Ayou can always make money
Byou can tell exactly when the stock goes up or down
Cyou may sometimes lose money
Dyour gambling is always safe
正确答案： C解析：
根据第三段中No one call tell exactly whether the shares will be doing well.即“没人知道股票会怎样发展。”可排除B选项。由最后一段中的No wonder going to the stock market is often compared to gambling.即“难怪去股市经常被比作赌博。”可排除A、D选项。因此C选项正确。 -
第13题：
Can the best student become ( )A、better than ever
B、as good as ever
C、as better as ever
D、as best as ever
参考答案：B
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第14题：
听力原文：M: Most banks tend to decline loan proposals which are highly speculative.
W: I think because the banks expect the loan to generate sufficient profit and positive cash-flow for themselves and for the clients.
Q: What will the banks usually do to the highly speculative loan proposals?
(15)
A．The banks will disapprove them.
B．The banks will approve them.
C．The Bank will benefit from the loans.
D．The bank will make profit from lending.
正确答案：A
解析：根据男士的话可知银行对投机性高的贷款申请的态度是“decline”，即“拒绝”，A项正确。 -
第15题：
The value of the collateral must be ______.
A．greater than the loan amount
B．the same as or be greater than the loan amount
C．smaller than the loan amount
D．the same as the loan amount
正确答案：B
解析：文章第二段提到it is imperative that…or greater than, the amount of the loan．抵押品的价值一般应高于或等于贷款的金额，这样才能控制贷款风险的作用。 -
第16题：
听力原文：M: The rate on a personal loan is fixed according to the base rate at the time when the loan is made.
W: But it is always higher than the base rate, isn't it?
Q: What is determined when a personal loan is made?
(14)
A．Rate on the personal loan.
B．Base rate of the bank.
C．The amount of payment.
D．Personal loan's time period.
正确答案：A
解析：根据对话中"The rate on a personal loan is fixed"可知A项正确。 -
第17题：
资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.
Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.
If you fall into either of these categories，it’s smart to focus on raising your credit scores.
If you have no credit score，you don’t have a credit history.If you have bad credit，it’s likely that you’ve mishandled credit in the past.And these two less-than-ideal credit standings require different solutions.
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control.
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep your debt low.It takes diligence and dedication，but it can be done.
The solution（s） for Bad-credit could be______.A.having accounts sent to collections.
B.looking for a no-credit credit card.
C.paying down the balance.
D.closing your credit accounts.答案：B解析：本题考查的是细节理解。
【关键词】solution（s） for Bad-credit
【主题句】倒数第3自然段Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.不良信用可能是由于财务失误造成的，包括错过付款，拖欠贷款或账户被银行托收。如果您属于此类别且需要信用，您将需要查找信用不良的信用卡。在这种情况下，担保卡或信用建设者贷款也是一个不错的选择。您也可能有资格获得不良信用的个人贷款。如果您仍有未结账户，请即时支付余额，但如果可以避免，不要关闭信用账户。
【解析】本题的问题是“不良信用的解决方案可能是_______”A选项“账户被银行托收”；B选项“寻找无信用的信用卡”；C选项“支付余额”；D选项“关闭您的信用账户”。根据题目中关键词找到主题句，A选项是导致不良信用的缘由，而非解决方案，故错误；B选项与题干“寻找信用不良的信用卡”相符，故正确；必须在有未结账户的前提下，选择支付余额，C选项缺少限制条件，故错误；D选项与题干“不要关闭信用账户”相矛盾，故错误。故选B。 -
第18题：
资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.
Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.
If you fall into either of these categories，it’s smart to focus on raising your credit scores.
If you have no credit score，you don’t have a credit history.If you have bad credit，it’s likely that you’ve mishandled credit in the past.And these two less-than-ideal credit standings require different solutions.
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control.
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep your debt low.It takes diligence and dedication，but it can be done.
How to establish credit if you fall into the no-credit category？A.To have a credit-builder loan
B.To acquire secured credit cards（which require a security deposit） or college student credit cards
C.To acquire a credit card
D.All of above答案：D解析：本题考查的是细节理解。
【关键词】establish credit；fall into the no-credit category
【主题句】第6自然段If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.如果您属于无信用类别，则不一定是出现了什么财务问题。在这种情况下，对于无信用的人来言，创建信用记录的一种好方法是获取信用卡。如果您没有信用卡，通常最容易获得安全信用卡（需要保证金）或者大学生信用卡资格。信贷建设者贷款也可以帮助您建立信贷。
【解析】本题的问题是“如果你属于无信用类别，如何建立信用？”A选项“获得信贷建设者贷款”；B选项“获得有担保的信用卡（需要保证金）或大学生信用卡”；C选项“获得信用卡”；D选项“以上皆是”。根据主题句，建立信贷可以通过拥有获得信用卡、安全信用卡（需要保证金）、大学生信用卡或者信贷建设者贷款方式，故选D。 -
第19题：
In Money Everything
I don’t think money is everything,but we can’t do without it.Fox example,money can’t buy us happiness and a good education.And for another example,money can’t buy us good health and a long life.But we can not live without money.We need it for our daily necessities such as food,clothes and transportation.What’s more,we need it to live a better life.In short,we should learn the value of money and make the most of its advantages.答案：解析：For this part,you are allowed 20 minutes to write a composition of about 80 words according to the following topic.金钱是一切吗 (Is Money Everything ) -
第20题：
Where is the Loan Department, please?（）
- A、Who are you?
- B、This way, please
- C、I don't want to say anything
- D、What can I do for you?
正确答案:B -
第21题：
单选题An increasing number of students are coming to realize that an education at a public university can be as good, if not better, than an elite private college.Aas good, if not better, than an elite private college
Bas good, if not better, as one at an elite private college
Cas good as, if not better, than an elite private college education
Das good an education as, if not better, than one at an elite private college
Eas good as, if not better than, one at an elite private college
正确答案： C解析：
原句“if not better”是个插入语，因此在没有这个插入语的情况下，句子应该依旧是完整的，只有E项符合。 -
第22题：
单选题Sometimes _____ a business can feel like a tough decision to make, no matter how good your idea is.Astarting
Bbeing started
Cstart
Dto be started
正确答案： B解析：
本题考查动名词的用法。句意：有时候感觉难以决定去开始一份事业，不管你的想法有多好。本句缺少主语，start a business为固定词组，表示“开始一份事业，从商”，加-ing表示动名词，可做主语。故A项为正确答案。 -
第23题：
单选题—It will be my turn. I feel a little nervous.— ______ You can make it!ACongratulations!
BTake it easy.
CLook out!
DHave a good time.
正确答案： B解析：
考查交际用语。句意：——快轮到我了。我有点紧张。——别紧张。你可以做到的。上句提到“紧张”，所以根据语境，选择B项Take it easy“别紧张”。