题目内容
If your parents take out a loan, remind themselves to make the payments on time. Otherwise it will become a negative record in their personal credit reports, which are playing an increasingly big role in people's daily lives. A story carried by Chongqing Morning Post in June, underlines this trend.
According to the report, a Chongqing student borrowed money from the bank to finance his university studies. After he graduated in 2005, he went to work in Shenzhen. Later, he wanted to buy a house using loans. But several banks turned down his loan applications. The reason was that he had not paid back 1,500 yuan he borrowed from a bank when he was at university.
A personal credit rating is becoming an essential “pass” in everyday life, as China establishes a nationwide credit database. Personal credit systems go back 150 years. In developed countries, enterprises and banks use them to decide whether or not to loan money or do other business with a person.
A credit report estimates the credit worthiness of an individual, a company, or even a country. It is an evaluation made by credit bureaus of a borrower's overall credit history and his or her ability to repay debt. A poor credit rating means a high risk of defaulting on a loan, and thus leads to the refusal of a loan by the lender.
Today in China, credit history in banks is the major content of a credit report. But in the future, reports will include information about the payment of telephone bills, water use fees, electricity and natural gas bills, and taxes, according to officials of the People's Bank of China, the central bank.
Personal information such as appearance, genetic data, fingerprints, blood type, disease history, ethnic identity, family and religious beliefs are not to be included in credit reports, according to a draft regulation on credit rating issued last year by the Sate Council. The authors of the draft have just finished soliciting(征求) public opinions.
The Credit Reference Center run by the People's Bank of China is in charge of developing a nationwide credit database. Credit reports for all people with bank transactions (交易)began in 2006.
A personal credit rating is important to the social and economic activities of a person. According to the draft, if you have a personal negative credit record, it will be kept for five years.
60. The author took the story as an example in order to ________.
A. tell us the story of a Chongqing student
B. warn us of the importance of our personal credit report
C. encourage us to use credits widely
D. inform us to apply for a loan at university
61. Credit reports will include the following except ________.
A. taxes B. telephone bills
C. genetic data D. water use fees
62. According to the passage, which of the following statements is TRUE?
A. Personal credit systems go back 150 years in China.
B. Credit reports began in 2006 in China.
C. Credit history in banks is the only content of a credit report.
D. You can turn to the People's Bank of China for the information about your credit report.
63. What's the best title for the passage?
A. Credit Really Counts
B. Credit in China
C. A Credit Report Rating
D. Credit Report Contents
BCDA
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My father is a smart man. He spent many years of his life listening to people’s arguments, first as assistant district lawyer and then as a judge. My dad knows rubbish rhetoric when he hears it.
One of his favorite phrases is: “If you don’t have anything smart to say, then don’t say it at all.” Yet, for all of his legal training and life experience, he can’t help but keep talking about the Mega Millions jackpot.
We all know the odds(几率)of winning the jackpot this evening with one ticket are extraordinarily low ... 1 in 175, 711, 536, to be exact. Still, people go out and buy hundreds of tickets with the hopes of becoming wealthier beyond their dreams. Why? There are two possible explanations for this “irrationality”(不理智).
One idea is that the way we calculate odds in our heads has nothing to do with mathematical odds in the traditional sense. We don’t go to the mathematical odds table and say, “Well, this would be a terrible investment. I think I’m better off putting my money in the bank!” Rather, it has everything with the ability to picture an event happening.
My father, for instance, watches the news every night and sees people winning the lottery(彩票). Therefore, he thinks the chance of him winning the lottery is much higher than they actually are.
The second thought is that the expected effect of playing cannot be represented merely by the odds. My father and, I’m sure, others get a thrill from the mere idea of winning. He loves imagining what it would be like to actually win and losing doesn’t really affect him. Sure, he’s disappointed, but it’s “better to have loved and lost than never to have loved at all.” When you combine the utility of thinking you can win with the utility of actually winning (no matter how small the chance of that occurring), it’s worth it for many people to spend the one dollar on a ticket.
My analysis is that both factors are at play in taking a chance on the lottery. My father and others really do underestimate the odds of winning, but the thrill of participation is not denied by a realistic assessment of the odds. Still, I would probably put my finger on the scale for the first explanation.
All told, a review of the odds of other events happening confirms that there just aren’t many events that occur with less frequency than your winning the Mega Millions jackpot. Look at the graph below, you may understand some:
In many ways, it’s like the lottery, something that features often on television and about which people fantasize, but that rarely happens.
So, when you watch, along with my Pa, to see if your lucky number is drawn this evening, keep in mind three things: that your number almost certainly won’t come up; that you are still going to have fun; and that, finally, a lot of other things are more likely to happen—but getting eaten by a shark isn’t one of them.
【小题1】It can be learned from the article that ________.
| A．the Mega Millions jackpot is the last lottery to win in the world |
| B．a judge in that country can’t talk about lottery because it is illegal |
| C．the writer doesn’t buy lottery, for he never hopes to become rich |
| D．In spite of little possibility, a lot of people spend money on lottery |
| A．show chances that those things take place are fewer |
| B．support the writer’s arguments on the lottery tickets |
| C．indicate no one can win the Mega Millions jackpot |
| D．say shark attack death will seldom happen this year |
| A．If one has mathematical odds, he can win the prize more easily. |
| B．Only those who have irrationality buy hundreds of lottery tickets. |
| C．The Mega Millions jackpot is very popular in the writer’s country. |
| D．Winning lottery is a shortcut to achieve the dream of being rich. |
| A．effective | B．ridiculous | C．contradictory | D．astonishing |
| A．The Popular Mega Millions Jackpot | B．Lottery is Merely a Trick |
| C．Mega Million is Like a Shark Attack | D．Be rich, Buy Lottery Soon |
