Question

【题目】Parents need to be good role models to help their children make sensible financial decisions, according to Adam Hancock and his team, from East Caronlina University in the US. Their work highlights that parents who argue about finances contribute to increasing credit card debt among their children during their students years. Their work is published online in Springer's Journal of Family and Economic Issues.

Credit card debt among college students has been a growing concern for researchers and policymakers over the last decade. In addition, there is growing concern among educators that more students are dropping out of school, not because of academic failure, but because of financial reasons, and credit card especially.

Hancock and colleagues' study is the first to examine how parental interactions, and financial knowledge and attitudes may have a cumulative effect (累积效应) on the number of credit cards students own and their level of credit card debt.

The researchers analyzed data for 420 undergraduate students from seven different American universities, who took part in the College Student Financial Literacy Survey. According to the online survey, nearly two-thirds of students had a credit card, and nearly a third had more than one. Those students who reported that their parents argued about finances were more likely to have more than two cards than the students whose parents who did not argue about finances.

In terms of debt, those students who had two or more credit cards were nearly three times more likely to report having credit card debt over $500.

The researchers conclude, "It is clear that the influence of parents cannot be neglected. Researchers, educators and policymakers should work in finding effective ways to increase the positive financial behaviors for college students. We need to help students learn financial skills and establish healthy financial attitudes at earlier ages to prevent poor financial habits from taking root.

【1】In Adam Hancock's research, student's credit card debt is related to their __________.

A. knowledge B. concerns C. school D. parents

【2】When college students have credit card debt, they may __________.

A. quit school

B. fail in their exams

C. study financial knowledge

D. have more credit cards

【3】What can we infer from Paragraph 3?

A. More than 400 students in a university took the survey.

B. The survey was conducted with the paper questionnaire.

C. Nearly all the students in this survey have credit cards.

D. Students have fewer cards if their parents argue more.

【4】If you have two or more credit cards, you are more likely to __________.

A. get wealthy B. have argument

C. buy more things D. become in debt

【5】As a student, what can you learn from the passage?

A. We need to turn to our parents when we have credit card debt.

B. We should build correct financial attitudes when we are young.

C. We shouldn't have credit cards so that we can avoid argument.

D. We can have more credit cards to make life more comfortable.

Answer 1

【答案】

【1】D

【2】A

【3】C

【4】D

【5】B

【解析】在过去的十年中，大学生的信用卡债务已经受到了研究人员和决策者们的关注。教育家发现,越来越多的大学生辍学不是因为学业不及格而是因为金融和财政问题,特别是信用卡问题。研究后专家们得出结论,这种情况家长对他们的影响是不容忽视的。

【1】D 细节理解题。由"Their work highlights that parents who argue about finances contribute to increasing credit card debt among their children during their students years."可知学生的信用卡债务和他们的父母有关。故选D。

【2】A 细节理解题。由" there is growing concern among educators that more students are dropping out of school, not because of academic failure, but because of financial reasons, and credit card especially."可知大学生有信用卡债务时，他们就可能退学。故选A。

【3】C 细节理解题。由"According to the online survey, nearly two-thirds of students had a credit card, and nearly a third had more than one."可知在调查中，几乎所有学生都有信用卡。故选C。

【4】D 细节理解题。由"In terms of debt, those students who had two or more credit cards were nearly three times more likely to report having credit card debt over $500."说明如果你有两个或两个以上的信用卡，你更有可能负债。故选D。

【5】B 细节理解题。由"We need to help students learn financial skills and establish healthy financial attitudes at earlier ages to prevent poor financial habits from taking root." 可知我们在小的时候就应该树立正确的财政态度。故选B。