全国大学生英语四级考试阅读精选题及答案

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　　Passage Two

　　Questions 61 to 65 are based on thefollowingpassage.

　　Milleunials(千禧一代)have a reputation for being pretty savvy(聪慧的)with technology and social media——not to mention their finances----一but today’s young adults are clueless when it comes to knowledge of their credit.

　　A new study conducted by the Consumer Federation of America and VantageScore Solutions finds that 18-34 year-olds lag behind older Americans on credit knowledge.Not that older generations are whiz kids when it comes to credit——just over 40%of consumers surveyed even know what their credit score measures，for instance—but millennials have the dubious distinction(区别)of being even less-informed than other age groups.

　　Only around half of milleunials have ever even bothered to order a free copy of their credit report，as compared to about three.quarters of older people surveyed.

　　They’re more likely to think age plays a role in credit scoring，that the government keeps track of consumer credit data and that credit repair services can legitimately fix your credit(by and large，they Can’t).And while most of them know that a lot of credit card debt，declaring bankruptcy and missing payments can affect their credit，only 6%got everything fight when they picked from a list of factors that could potentially impact their score.

　　Young adults have a pretty poor grasp on how far-reaching this impact is：Only 1 8 percent knew that utility companies，cell phone carders，mortgage lenders and home insurers，landlords and credit card companies can all use a consumer’s credit when doing business with them.

　　They’re also unaware of the financial consequences of bad credit.just 1 5%knew that a bad credit score could cost more than$5，000 in higher interest payments over the life of a car loan.

　　One factor that seems to make a difference in how much credit knowledge people have is whether or not.mey’ve actually goRen their free credit report(if you’re one of the many who haven’t，you can do so at annualcreditreport.corn).Interestingly,

　　people who got their credit reports knew more than those who had just gotten their credit scores.

　　“Those who are interested in their credit reports are probably also interested in their credit scores.”CFA executive director Stephen Brobeck says in a statement.“It’s so easy to go online and get your free reports that this action likely motivates people to learn more about credit scores.”

　　61.What does the word“whiz kids”mean(Line 3.Para.2)?

　　A.Children who are very naughty.

　　B.Children who are a little dull.

　　C.Children who are extraordinarily smart.

　　D.Children who quite sensitive.

　　62.What do the millennials think of credit?

　　A. Credit scoring has nothing to do with age.

　　B. Declaring bankruptcy can lead to bad credit data.

　　C. Government will never track a consumer’s credit.

　　D. It doesn’t matter if you have any credit card debt or not.

　　63.Which of the following statement about credit report is TRUE?

　　A. You can get a free copy ofyour credit report from the website.

　　B. People interested in credit report can’t be interested in credit scores.

　　C. People with credit reports have little knowledge of credit scores.

　　D. Getting the copy of credit report may discourage people to leam more about credit.

　　64.What can be inferred from this passage?

　　A.Millennials prefer to get their credit reports than to have credit scores.

　　B.You can ask credit repair services to fix your credit.

　　C.Despite of bad credit，a mortgage lender Will trade with you.

　　D.With bad credit,you’ll have to pay a higher loan interest.

　　65.What’s the main idea ofthis passage?

　　A.Millennials are not smart enough to learn about credit.

　　B. Millennials should learn more about credit scores.

　　C.Millennials should get their credit reports.

　　D.Milleunials should realize the consequences ofbad credit.

　　答案解析

　　61.What does the word“whiz kids”mean(Line 3，Para.2)?文中第二段第三行的“whiz kids”是什么意思?

　　A.Children who file very naughty.很淘气的小孩。

　　B.Children who are a little dull.有点木讷的小孩。

　　C.Children who are extraordinarily smart.特别聪的小孩。

　　D.Children who quite sensitive.很敏感的小孩。

　　62.What do the millennials think of credit?千禧一代对信用有什么看法?

　　A.Credit scoring has nothing to do with age.信用得分与年龄无关。

　　B.Declaring bankruptcy Can lead to bad credit.宣告破产会导致不良的信用。

　　C.Government will never track a consumer’s credit data.政府不会追踪消费者的信用数据。

　　D.It doesn’t matter ifyou have any credit card debt or not.无论你有没有大量的信用卡债务都无关紧要。

　　63.Which ofthe following statement about credit report is TRUE?下列关于信用报告的说法哪个是正确的?

　　A.You Can get a free copy ofyour credit report from the website.你可以从网上拿到信用报告的免费副本。

　　B.People interested in credit report Can’t be interested in credit scores.对信用报告有兴趣的人不会对信用得分感兴趣。

　　C.People with credit reports have little knowledge ofcredit scores.有信用报告的人不了解信用得分。

　　D.Getting the copy ofcredit report may discourage people to learn more about credit.拿到信用报告副本会使人丧失学习有关信用知识的信心。

　　64.What can be inferred from this passage?从文中可以推断出什么?

　　A.Millennials prefer to get their credit reports than to have credit scores.千禧一代更倾向于选择信用报告而不是信用得分。

　　B.You Can ask credit repair services to fix your credit.你可以让信用修复服务帮你修复信用。

　　C.Despite of bad credit，a mortgage lender will trade with you.即使有不良的信用，抵押贷款者也会跟你做交易。

　　D.With bad credit，you’Il have to pay a higher loan interest.如果信用不良，你将不得不支付更高的贷款利息。

　　65.What’S the main idea ofthis passage?文章主旨是什么?

　　A.Millennials are not smart enough to learn about credit.千禧一代不够聪明，无法学习有关信用的知识。

　　B.Millennials should learn more about credit scores.千禧一代应该学习更多关于信用的知识。

　　C.Millennials should get their credit reports.千禧一代应当拿到他们的信用报告。

　　D.Millennials should realize the consequences ofbad credit.千禧一代应当认识到不良信用的后果。

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