国家开放大学电大《金融学》《高级英语阅读(1)》网络课形考网考作业(合集)答案

国家开放大学电大《金融学》《高级英语阅读(1)》网络课形考网考作业(合集)答案 《金融学》网络课答案 形考任务1（第一章 自测题）
单选题（每题6分，共5道）
题目1 现代金融体系建立的基础是( )。

选择一项：
A. 现代货币制度 B. 现代信用制度 C. 现代企业管理制度 D. A和B 题目2 发行股票属于（ ）融资。

选择一项：
A. 外源融资 B. 内源融资 C. 债务融资 D. 债权融资 题目3 各经济部门的金融活动及其彼此间的平衡关系可以通过( )来反映。

选择一项：
A. 资产负债表 B. 金融机构信贷结构表 C. 资金流量表 D. 现金流量表 题目4 现代社会中，不同的经济部门之间有的总体是盈余的，有的总体是赤字的，他们之间主要通过( )活动来实现平衡。

选择一项：
A. 金融 B. 财政 C. 救济 D. 调整消费 题目5 从整体上看，（ ）是最大的金融盈余部门。

选择一项：
A. 企业 B. 金融机构资 C. 政府 D. 居民 多选题（每题8分，共5道）
题目6 政府赤字的弥补方式有哪些( )。

选择一项或多项：
A. 增加税收 B. 向中央银行申请贷款 C. 向商业银行申请贷款 D. 发行政府债券 E. 发行股票 题目7 广义的金融市场包括( )。

选择一项或多项：
A. 信贷市场 B. 资本市场 C. 货币市场 D. 黄金市场 E. 衍生金融工具市场 题目8 以下对于利率描述正确的是( )。

选择一项或多项：
A. 利率是利息额与本金之比 B. 利率是衡量收益与风险的尺度 C. 利率是现代金融体系的基本要素 D. 利率的高低会对借贷双方决策产生直接影响 E. 利率是政府调节社会经济金融活动的工具 题目9 以下哪些是银行为企业提供的金融服务（ ）。

选择一项或多项：
A. 存款业务 B. 贷款业务 C. 年金管理 D. 债券发行 E. 资金清算 题目10 企业财务活动与金融体系的关系体现在( )。

选择一项或多项：
A. 企业是金融机构的服务对象 B. 企业是金融市场的最主要的参与者 C. 企业财务活动对宏观金融总量与结构具有决定性影响 D. 企业是金融市场最主要的资金提供者 E. 企业是金融市场监管体系重要的组成部分 判断题（每题6分，共5道）
题目11 现代金融体系是一个高风险的组织体系，需要政府的适度调控和合理的监管。

选择一项：
对 错 题目12 从一个国家（地区）来看，所有经济部门之间的金融活动构成了整个金融体系。

选择一项：
对 错 题目13 只有经济部门存在资金余缺的情况下，才产生了对金融的需求。

选择一项：
对 错 题目14 货币、汇率、信用、利率、金融工具等是现代金融运作的基本范畴，也是现代金融体系必不可少的基本要素。

选择一项：
对 错 题目15 金融供求及其交易源于社会各部门的经济活动。

选择一项：
对 错 形考任务2（第二章 自测题）
单选题（每题6分，共5道）
题目1 牙买加体系不具备的特点是（ ）。

选择一项：
A. 国际收支可自动调节 B. 保持固定汇率 C. 实行浮动汇率 D. 国际储备货币多元化 题目2 美元与黄金挂钩，其他国家货币与美元挂钩是（ ）的特点。

选择一项：
A. 布雷顿森林体系 B. 国际金块本位制 C. 牙买加体系 D. 国际金本位制 题目3 在以下金融资产中，流动性最强的是（ ）。

选择一项：
A. 银行活期存款 B. 居民储蓄存款 C. 银行定期存款 D. 现金 题目4 明代丘濬说“日中为市，使民交易以通有无。以物易物，物不皆有，故有钱币之造焉”。这句话反映了（ ）的货币起源思想。

选择一项：
A. 交换需要说 B. 创造发明说 C. 先王制币说 D. 保存财富说 题目5 各国货币体层次划分的主要依据是（ ）。

选择一项：
A. 金融资产的种类 B. 金融资产的价值大小 C. 金融资产的重要性 D. 金融资产的流动性 多选题（每题8分，共5道）
题目6 一般而言，货币层次的变化具有以下（ ）特点。

选择一项或多项：
A. 金融产品创新速度越快，层次划分的变动就越频繁 B. 随着流动性的减弱，货币包括的范围在缩小 C. 同一名称的金融产品，在不同国家都属于同一货币层次 D. 金融产品创新速度越快，层次划分的变动就越少 E. 随着流动性的减弱，货币包括的范围在扩大 题目7 金属货币与纸币和存款货币有哪些不同之处（ ）。

选择一项或多项：
A. 金属货币的币值相对稳定，而纸币和存款货币受物价影响较大 B. 金属货币可以作为资产保值增殖的一种手段，而纸币和存款货币不可以 C. 金属货币增长受储量和开采量的限制，纸币和存款货币的规模央行可以灵活掌握 D. 金属货币具有内在价值，而纸币和存款货币本身没有内在价值 E. 金属货币可以在世界范围内流通，而纸币和存款货币只能在本国流通 题目8 国际货币制度的构成要素包括（ ）。

选择一项或多项：
A. 选择国际收支的调节方式 B. 确定国际储备资产 C. 安排汇率制度 D. 规定本国货币的法定支付能力 E. 规定货币材料 题目9 在我国货币层次中，狭义货币包括（ ）。

选择一项或多项：
A. 证券公司的客户保证金存款 B. 企业单位定期存款 C. 银行活期存款 D. 居民储蓄存款 E. 现金 题目10 信用货币包括（ ）。

选择一项或多项：
A. 银行券 B. 存款货币 C. 金属货币 D. 纸币 E. 实物货币 判断题（每题6分，共5道）
题目11 一定时期内货币流通速度与现金、存款货币的乘积就是货币存量。

选择一项：
对 错 题目12 牙买加体系规定美元和黄金不再作为国际储备货币。

选择一项：
对 错 题目13 我国货币层次中的M0即现钞是指商业银行的库存现金、居民手中的现钞和企业单位的备用金。

选择一项：
对 错 题目14 我国货币的发行量取决于我国中央银行拥有的黄金外汇储备量。

选择一项：
对 错 题目15 广义货币量反映的是整个社会潜在的购买能力。

选择一项：
对 错 形考任务3（第三章 自测题）
单选题（每题6分，共5道）
题目1 下列外汇中不会被居民个人持有的外币资产是（ ）。

选择一项：
A. 外币有价证券 B. 特别提款权 C. 外币现钞 D. 外币支付凭证 题目2 目前人民币汇率实行的是( )。

选择一项：
A. 以市场供求为基础的、单一的、有管理的固定汇率制 B. 以市场供求为基础的、参考一篮子货币进行调节、有管理的浮动汇率制 C. 以市场供求为基础的、单一的钉住汇率制 D. 以市场供求为基础的、单一的弹性汇率制 题目3 国际借贷说认为本币贬值的原因是（ ）。

选择一项：
A. 固定债权大于固定债务 B. 固定债务大于固定债权 C. 流动债权大于流动债务 D. 流动债务大于流动债权 题目4 牙买加体系下的汇率制度具有多样性，可以归结为三类。下列（ ）不属于三类中的内容。

选择一项：
A. 可调整的钉住汇率制 B. 有限浮动的中间汇率制 C. 更灵活的浮动汇率制 D. 可调整的固定汇率制 题目5 （ ）认为汇率在一定时期内的变化是由两个国家在这段时期内的通货膨胀率的差异决定的。

选择一项：
A. 相对购买力平价理论 B. 绝对购买力平价理论 C. 汇兑心理说 D. 利率平价理论 多选题（每题8分，共5道）
题目6 下列说法正确的是（ ）。

选择一项或多项：
A. 直接标价法下，外币的数额固定不变，本币的数额随币值变化 B. 直接标价法下，汇率越高，本币价值越低 C. 直接标价法下，汇率越高，本币价值越高 D. 间接标价法下，汇率越高，本币价值越低 E. 间接标价法下，汇率越高，本币价值越高 题目7 银行以不同方式卖出外汇时，下列正确的选项是（ ）。

选择一项或多项：
A. 电汇汇率是外汇市场的基准汇率 B. 信汇汇率低于电汇汇率 C. 信汇汇率高于电汇汇率 D. 票汇汇率低于电汇汇率 E. 票汇汇率高于电汇汇率 题目8 汇率作为联系经济体内部和外部的重要变量，具有货币层面和实体经济层面双重性质，下列属于从货币层面考察的汇率决定理论有（ ）。

选择一项或多项：
A. 国际借贷理论 B. 国际收支理论 C. 购买力平价理论 D. 利率平价理论 E. 汇兑心理说 题目9 根据利率平价理论，下列说法正确的是（ ）。

选择一项或多项：
A. 利率高的国家货币在远期外汇市场上升水 B. 利率高的国家货币在远期外汇市场上贴水 C. 利率低的国家货币在远期外汇市场上升水 D. 利率低的国家货币在远期外汇市场上贴水 E. 即期汇率与远期汇率相等时为平价 题目10 属于早期汇率决定理论的是（ ）。

选择一项或多项：
A. 国际借贷理论 B. 换汇成本说 C. 利率平价理论 D. 汇兑心理说 E. 购买力平价理论 判断题（每题6分，共5道）
外汇即外国货币。

选择一项：
对 错 题目12 远期汇率高于即期汇率称为升水；
远期汇率低于即期汇率称为贴水。

选择一项：
对 错 题目13 汇率是两国货币的兑换比率，是一种货币用另一种货币表示的价格。

选择一项：
对 错 题目14 根据利率平价理论，利率与汇率的关系是：利率高的国家货币在远期外汇市场上升水，利率低的国家货币在远期外汇市场上贴水。

选择一项：
对 错 题目15 浮动汇率制允许汇率随外汇市场供求关系的变化而自由波动，各国货币当局无需干预外汇市场。

选择一项：
对 错 形考任务4（第四章 自测题）
单选题（每题6分，共5道）
题目1 现代信用活动的基础是（ ）。

选择一项：
A. 现代经济中广泛存在着赤字和盈余单位 B. 现代银行和信用货币体系的建立 C. 现代市场经济的出现 D. 经济中存在大量的资金需求 题目2 信用的基本特征是（ ）。

选择一项：
A. 无偿的赠与或援助 B. 一手交钱，一手交货 C. 无条件的价值单方面让渡 D. 以还本付息为条件的价值单方面转移 题目3 （ ）属于道德范畴信用。

选择一项：
A. 诚实履行自己的承诺取得他人信任 B. 代表着一种债权债务关系 C. 利率从中产生，又引导其发展 D. 以还本付息为条件的借贷活动 题目4 保证信用活动正常进行的基本条件是（ ）。

选择一项：
A. 信用机构 B. 社会征信系统 C. 信用制度 D. 信用体系 题目5 商业信用是以商品形态提供的信用，提供信用的一方通常是（ ）。

选择一项：
A. 买方 B. 消费者 C. 卖方 D. 交易双方 多选题（每题8分，共5道）
题目6 下列属于消费信用的是（ ）。

选择一项或多项：
A. 银行向客户发行信用卡 B. 银行对消费者发放抵押贷款 C. 银行向生产消费品的企业发放贷款 D. 银行向客户办理支票业务 E. 企业以赊销方式对消费者销售商品 题目7 国民经济五大部门中，作为一个整体表现为赤字部门的是（ ）。

选择一项或多项：
A. 居民 B. 企业 C. 政府 D. 金融机构 E. 国外部门 题目8 征信系统包括（ ）。

选择一项或多项：
A. 信用档案系统 B. 信用调查系统 C. 信用评估系统 D. 信用查询系统 E. 失信公示系统 题目9 关于银行信用的描述正确的是（ ）。

选择一项或多项：
A. 资金来源于社会各部门暂时闲置的资金，可以达到非常大的规模 B. 在某种程度上也依赖于商品买卖活动 C. 可满足贷款人在数量和期限上的多样化需求 D. 银行作为债权人出现在信用活动中 E. 在商业信用的基础上产生，并完全取代了商业信用 题目10 间接融资的局限性是（ ）。

选择一项或多项：
A. 割断了资金供求双方的直接联系 B. 融资便利程度及其融资工具的流动性均受金融市场发达程度的制约 C. 增加了筹资者成本并减少了投资者收益 D. 较难满足新兴产业和高风险项目的融资需求 E. 对资金供给者来说风险较大 判断题（每题6分，共5道）
题目11 社会化大生产是信用产生的前提条件。

选择一项：
对 错 题目12 货币和信用是两个不同的范畴，二者的发展始终保持相对独立的状态。

选择一项：
对 错 题目13 私有财产的出现是借贷关系赖以存在的前提条件。

选择一项：
对 错 题目14 货币借贷是现代信用的惟一形态。

选择一项：
对 错 题目15 高利贷是前资本主义社会的信用形式，在资本主义生产方式确立与现代银行和信用体系建立之后，这一信用形式已不复存在。

选择一项：
对 错 形考任务5（第五章 自测题）
单选题（每题6分，共5道）
题目1 已知某年的预期通货膨胀率为6％，名义利率为10％，则实际利率近似为（ ）。

选择一项：
A. 6％ B. 10％ C. 16％ D. 4％ 题目2 结合我国经济金融发展和加入世界贸易组织后开放金融市场的需要，中国人民银行将按照（ ）的基本步骤推进利率市场化。

选择一项：
A. 先外币、后本币，先存款、后贷款 B. 先外币、后本币，先贷款、后存款 C. 先本币、后外币，先贷款、后存款 D. 先本币、后外币，先存款、后贷款 题目3 影响利率的风险因素不包括（ ）。

选择一项：
A. 借贷风险 B. 流动性风险 C. 违约风险 D. 税收风险 题目4 实际利率即名义利率扣除 （ ）。

选择一项：
A. 通货变动率 B. 汇率变动率 C. 利率变动率 D. 物价变动率 题目5 1、以下关于单利和复利描述正确的是 （ ）。

选择一项：
A. 单利反映了利率的本质 B. 以上都是 C. 单利和复利都反映了利率的本质 D. 只有复利才反映了利率的本质 多选题（每题8分，共5道）
题目6 导致利率上升的因素有（ ）。

选择一项或多项：
A. 扩张的货币政策 B. 通货膨胀 C. 通货紧缩 D. 紧缩的货币政策 E. 经济高增长 题目7 商业银行提高贷款利率有利于（ ）。

选择一项或多项：
A. 减少居民个人的消费信贷 B. 刺激物价上涨 C. 抑制企业对信贷资金的需求 D. 刺激经济增长 E. 抑制物价上涨 题目8 关于名义利率和实际利率之间关系说法正确的是 （ ）。

选择一项或多项：
A. 名义利率扣除通货膨胀率即为实际利率 B. 实际利率调节借贷双方的经济行为 C. 通常在实际中能够操作的是实际利率 D. 名义利率对经济起实质作用 E. 名义利率是包含了通货膨胀因素的利率 题目9 债券的到期收益率取决于（ ）。

选择一项或多项：
A. 债券的市场价格 B. 票面利率 C. 债券的发行人 D. 债券期限 E. 债券面额 题目10 根据马克思利率决定理论，利息率的决定因素有（ ）。

选择一项或多项：
A. 利润率 B. 剩余价值 C. 借贷双方的供求关系及其竞争 D. 总利润在借贷双方之间分配的比例 E. 法律、习惯 判断题（每题6分，共5道）
题目11 当债券溢价发行时，其到期收益率高于票面利率。

选择一项：
对 错 题目12 在利率体系中发挥指导性作用的利率是官定利率。

选择一项：
对 错 题目13 在其他条件相同的情况下，现值的大小与贴现率正相关，即贴现率越低，现值越小。

选择一项：
对 错 题目14 远期利率是隐含在给定即期利率中的从现在到未来某一时点的利率。

选择一项：
对 错 题目15 马克思认为，利息在本质上是利润的一部分。

选择一项：
对 错 形考任务6（第六章 自测题）
单选题（每题6分，共5道）
题目1 银行与客户间的外汇交易构成了（ ）。

选择一项：
A. 售汇市场 B. 结汇市场 C. 批发市场 D. 零售市场 题目2 下列属于所有权凭证的金融工具是（ ）。

选择一项：
A. 公司债券 B. 银行承兑票据 C. 短期国债 D. 股票 题目3 同业拆借市场的形成源于中央银行对商业银行（ ）的要求。

选择一项：
A. 信贷规模 B. 法定存款准备金 C. 盈利水平 D. 资金总量 题目4 关于汇率对证券市场的影响，下列说法错误的是（ ）。

选择一项：
A. 本币汇率贬值，使本国的证券市场资金供给减少，证券需求下降，价格下跌 B. 本币汇率升值，国际短期套利资本流入本国，增加市场资金供给，证券价格上涨 C. 本币汇率贬值，本国产品的竞争力增强，出口型企业证券价格就可能上涨 D. 本币汇率升值，本国产品的竞争力增强，出口型企业证券价格就可能上涨 题目5 我国于（ ）正式成立上海黄金交易所，黄金开始在有形交易市场上挂牌交易。

选择一项：
A. 2002年 B. 1999年 C. 1996年 D. 2003年 多选题（每题8分，共5道）
题目6 金融市场的功能包括（ ）。

选择一项或多项：
A. 宏观调控传导 B. 价格发现 C. 资源配置 D. 资源转化 E. 风险分散和规避 题目7 下列属于金融衍生工具功能的是（ ）。

选择一项或多项：
A. 资源配置 B. 风险分散 C. 价格发现 D. 投机套利 E. 套期保值 题目8 根据保险交易主体的不同，可以将保险市场划分为（ ）。

选择一项或多项：
A. 国际保险市场 B. 再保险市场 C. 财产保险市场 D. 人身保险市场 E. 原保险市场 题目9 下列金融工具中，没有偿还期的是（ ）。

选择一项或多项：
A. 商业票据 B. 普通股 C. 大额可转让存单 D. 银行定期存款 E. 优先股 题目10 根据保险交易对象的不同，可以将保险市场划分为（ ）。

选择一项或多项：
A. 再保险市场 B. 国际保险市场 C. 人身保险市场 D. 财产保险市场 E. 原保险市场 判断题（每题6分，共5道）
题目11 柜台交易方式是指在各个金融机构柜台上进行面议、分散交易的方式。（ ）
选择一项：
对 错 题目12 债券市场既可以属于货币市场的，也可以属于资本市场的。（ ）
选择一项：
对 错 题目13 套期保值是衍生金融工具为交易者提供的最主要的功能。（ ）
选择一项：
对 错 题目14 金融市场的参与者非常广泛，包括中央银行、金融机构、企业和居民，但是不包括政府在内。（ ）
选择一项：
对 错 题目15 外汇市场的功能是为交易者提供外汇资金融通的便利，但是不可以满足投机的需求 。（ ）
选择一项：
对 错 形考任务7（第七章 自测题）
单选题（每题6分，共5道）
题目1 下列各项中不属于国库券市场特点的是（ ）。

选择一项：
A. 高安全性 B. 高收益性 C. 高流动性 D. 市场价格波动小 题目2 我国回购协议市场的参与者不包括（ ）。

选择一项：
A. 地方政府 B. 中央银行 C. 商业银行 D. 证券公司 题目3 国库券通常采取（ ）发行方式，即政府以低于国库券面值的价格向投资者发售国库券，到期后按面值偿付。

选择一项：
A. 转让 B. 贴现 C. 公募 D. 私募 题目4 目前我国货币市场交易量最大的子市场是（ ）。

选择一项：
A. 拆借市场 B. 国库券市场 C. 票据市场 D. 回购市场 题目5 一张还有半年到期的票据面额为4000元，到银行贴现得到3600元。则年贴现率为（ ）。

选择一项：
A. 5% B. 20% C. 11.1% D. 22.2% 多选题（每题8分，共5道）
题目6 货币市场的主要功能有（ ）。

选择一项或多项：
A. 满足长期融资 B. 流动性管理 C. 基准利率生成 D. 宏观调控 E. 满足短期融资 题目7 回购利率与（ ）有密切关系。

选择一项或多项：
A. 回购期限 B. 证券利率 C. 证券流动性 D. 证券价格 题目8 下列属于货币市场子市场的是（ ）。

选择一项或多项：
A. 股票市场 B. 同业拆借市场 C. 回购协议市场 D. 国库券市场 E. 票据市场 题目9 流动资金暂时闲置的企业也可以通过购买国库券、商业票据等货币市场工具，实现资金合理的收益回报，达到（ ）相统一的财务管理目的。

选择一项或多项：
A. 安全性 B. 流动性 C. 稳定性 D. 成长性 E. 收益性 题目10 货币市场的特点有（ ）。

选择一项或多项：
A. 交易期限短 B. 流动性强 C. 安全性高 D. 交易额大 E. 参与者少 判断题（每题6分，共5道）
题目11 可转让大额定期存单是金融创新的典型，结合了定期存款的流动性和活期存款的收益性。

选择一项：
对 错 题目12 票据经过银行承兑之后具有相对小的信用风险，是一种信用等级较高的票据。

选择一项：
对 错 题目13 货币市场是指以期限在1年以上的金融工具为媒介进行短期资金融通的市场。

选择一项：
对 错 题目14 中央银行参与回购协议市场的目的是进行货币政策操作。

选择一项：
对 错 题目15 相比将票据持有到期，商业票据的持有者更倾向于在二级市场进行票据转让，因为这样可以获得更高的收益。

选择一项：
对 错 形考任务8（第八章 自测题）
单选题（每题6分，共5道）
题目1 狭义的资本市场专指（ ）。

选择一项：
A. 中长期债券市场 B. 股票市场 C. 基金市场 D. 有价证券市场 题目2 我国的资本市场层次不包括( )。

选择一项：
A. 主板市场 B. 沪港通市场 C. 创业板市场 D. 四板市场 题目3 美国的证券市场不包括( )。

选择一项：
A. 主板 B. 纳斯达克市场 C. 创业板市场 D. OTCBB 题目4 资本市场是指以期限在（ ）以上的金融工具为媒介进行长期性资金融通交易活动的场所，又称长期资金市场。

选择一项：
A. 1年 B. 2年 C. 3年 D. 5年 题目5 下列各项中不属于资本市场功能的是( )。

选择一项：
A. 增加政府财政收入 B. 促进产业结构优化升级 C. 促进并购与重组 D. 资源有效配置的场所 多选题（每题8分，共5道）
题目6 证券发行市场的参与主体有( )。

选择一项或多项：
A. 证监会 B. 证券交易所 C. 证券发行人 D. 证券投资者 E. 证券中介机构 题目7 证券投资的技术分析方法有（ ）。

选择一项或多项：
A. 技术指标法 B. 切线法 C. 形态法 D. K线法 E. 波浪法 题目8 证券流通市场上的组织方式有( )。

选择一项或多项：
A. 证券交易所交易 B. 柜台交易 C. 电子系统交易 D. 人工结算交易 E. 无形市场交易 题目9 证券投资的基本面分析包括（ ）。

选择一项或多项：
A. 宏观经济运行周期 B. 宏观经济政策 C. 产业生命周期 D. 公司状况 E. 国际局势 题目10 我国的资本市场层次包括( )。

选择一项或多项：
A. 主板市场 B. 中小企业板 C. 创业板市场 D. 股份转让报价系统与“新三板”市场 E. 区域性股权交易市场 判断题（每题6分，共5道）
题目11 证券发行市场是投资者在证券交易所内进行证券买卖的市场。

选择一项：
对 错 题目12 货币政策的调整对证券市场具有持久但较为缓慢的影响。

选择一项：
对 错 题目13 证券流通市场上的组织方式主要分为场内交易和场外交易两种。

选择一项：
对 错 题目14 产业生命周期各阶段的风险和收益状况不同，但处于产业生命周期不同阶段的产业在证券市场上的表现就不会有较大的差异。

选择一项：
对 错 题目15 证券发行方式有私募发行、公募发行、直接发行、间接发行。

选择一项：
对 错 形考任务9（第九章 自测题）
单选题（每题6分，共5道）
题目1 新中国成立后，我国金融机构体系的建立与发展大致经历了五个阶段，其中（ ）这个时期是“大一统”金融机构体系确立阶段。

选择一项：
A. 1978-1983年 B. 1983-1993年 C. 1953-1978年 D. 1948-1953年 题目2 以下不属于非银行金融机构的是（ ）。

选择一项：
A. 金融资产管理公司 B. 合作金融机构 C. 保险公司 D. 证券公司 题目3 （ ）是金融机构的传统功能，其对商品交易的顺利实现、货币支付与清算和社会交易成本的节约具有重要意义。

选择一项：
A. 降低交易成本 B. 风险转移与管理 C. 支付结算服务 D. 融通资金 题目4 1948年12月1日，（ ）在原华北银行、北海银行、西北农民银行的基础上成立，标志着新中国金融体系的建立。

选择一项：
A. 中国人民银行 B. 中国银行 C. 交通银行 D. 中国农业银行 题目5 具有融物和融资的双重功能的非银行金融机构是（ ）。

选择一项：
A. 信托投资公司 B. 证券公司 C. 保险公司 D. 金融租赁公司 多选题（每题8分，共5道）
题目6 按照业务性质分类，可将金融机构分为（ ）。

选择一项或多项：
A. 商业性金融机构 B. 政策性金融机构 C. 合作制金融机构 D. 公司制金融机构 E. 股份合作制金融机构 题目7 根据保险的基本业务类型，可以划分为（ ）。

选择一项或多项：
A. 财产保险公司 B. 再保险公司 C. 商业性保险公司 D. 人寿保险公司 E. 政策性保险公司 题目8 以下属于非银行金融机构的是（ ）。

选择一项或多项：
A. 金融租赁公司 B. 保险公司 C. 财务公司 D. 信托投资公司 E. 证券公司 题目9 1994年，适应金融机构体系改革的需要，使政策性金融与商业性金融相分离，我国相继成立了（ ）政策性银行。

选择一项或多项：
A. 中国进出口银行 B. 中国民生银行 C. 中国农业发展银行 D. 国家开发银行 E. 交通银行 题目10 全球性的国际金融机构主要有（ ）等。

选择一项或多项：
A. 欧洲投资银行 B. 国际货币基金组织 C. 世界银行集团 D. 西非发展银行 E. 国际清算银行 判断题（每题6分，共5道）
题目11 储蓄银行是以社员认缴的股金和存款为主要负债、以向社员发放的贷款为主要资产并为社员提供结算等中间业务服务的合作性金融机构。（ ）
选择一项：
对 错 题目12 金融机构的产生与发展内生于实体经济活动的需要。（ ）
选择一项：
对 错 题目13 小额贷款公司由自然人、企业法人与其他社会组织投资设立，以服务“三农”为宗旨，其和商业银行一样，可吸收公众存款。（ ）
选择一项：
对 错 题目14 “受人之托，代人理财”是信托的基本特征，其实质是一种财产转移与管理或安排。（ ）
选择一项：
对 错 题目15 经纪类证券公司既可从事经纪业务，又可开展自营、承销及其他业务。（ ）
选择一项：
对 错 形考任务10（第十章 自测题）
单选题（每题6分，共5道）
题目1 （ ）是指不直接列入资产负债表内，但同表内的资产业务或负债业务关系密切的业务，又称为或有资产、或有负债业务。

选择一项：
A. 资产业务 B. 创新的表外业务 C. 负债业务 D. 传统的中间业务 题目2 商业银行的资本按其来源可分两类，其中（ ）是银行真正意义上的自有资金。

选择一项：
A. 长期次级债 B. 附属资本 C. 呆账准备 D. 核心资本 题目3 （ ）是世界各国商业银行普遍采用的组织形式，其具有经营范围广，规模大，分工细，能够有效运用资金并分散风险等优点。

选择一项：
A. 单一银行制 B. 连锁银行制 C. 总分行制 D. 控股公司制 题目4 （ ）是商业银行最基本、最能反映其经营活动特征的职能。

选择一项：
A. 支付中介 B. 信用中介 C. 转移与管理风险 D. 信用创造 题目5 （ ）是指商业银行能够随时满足客户提取存款、转账支付及满足客户贷款需求的能力。

选择一项：
A. 安全性 B. 流动性 C. 盈利性 D. 风险性 多选题（每题8分，共5道）
题目6 商业银行经营管理理论中资产管理理论发展的主要阶段是（ ）。

选择一项或多项：
A. 真实票据理论 B. 资产组合理论 C. 预期收入理论 D. 可转换性理论 E. 持续收入理论 题目7 商业银行具有（ ）等功能。

选择一项或多项：
A. 信用创造 B. 转移与管理风险 C. 降低交易成本 D. 充当支付中介 E. 充当信用中介 题目8 商业银行的外部组织形式因各国政治经济制度不同而有所不同，目前主要有（ ）等类型。

选择一项或多项：
A. 控股公司制 B. 连锁银行制 C. 总分行制 D. 单一银行制 E. 代理行制 题目9 商业银行的负债业务主要包括（ ）等形式。

选择一项或多项：
A. 贷款 B. 票据贴现 C. 其他负债业务 D. 存款业务 E. 借款业务 题目10 商业银行的业务经营遵循（ ）兼顾的原则。

选择一项或多项：
A. 服务性 B. 公众性 C. 盈利性 D. 安全性 E. 流动性 判断题（每题6分，共5道）
题目11 信贷资产是商业银行保持流动性的最重要的资产。（ ）
选择一项：
对 错 反馈 题目12 存款是商业银行最主要的负债业务，一般分为活期存款、定期存款和储蓄存款三类。

（ ）
选择一项：
对 错 题目13 商业银行是特殊的金融企业。（ ）
选择一项：
对 错 题目14 商业银行的自有资本属于资产业务范畴。（ ）
选择一项：
对 错 题目15 一般而言，流动性强的资产盈利性高，而高盈利性往往伴随高风险性。（ ）
选择一项：
对 错 形考任务11（第十一章 自测题）
单选题（每题6分，共5道）
题目1 中央银行业务经营活动奉行四项原则，下列（ ）不是四项原则的内容。

选择一项：
A. 流动性 B. 风险性 C. 非营利性 D. 主动性 题目2 集中保管商业银行存款准备金体现了中央银行（ ）职能。

选择一项：
A. 国际的银行 B. 银行的银行 C. 政府的银行 D. 发行的银行 题目3 下列属于中央银行资产项目的是（ ）。

选择一项：
A. 商业银行等金融机构存款 B. 政府债券 C. 政府和公共机构存款 D. 流通中的货币 题目4 中央银行若提高存款准备金，将（ ）。

选择一项：
A. 增加货币供给 B. 迫使商业银行提高贷款利率 C. 迫使商业银行降低贷款利率 D. 使企业得到成本更低的贷款 题目5 中央银行发行央行票据的主要目的是（ ）。

选择一项：
A. 扩大经营 B. 增加盈利 C. 回笼货币 D. 筹集资金 多选题（每题8分，共5道）
题目6 中央银行通过货币政策所要实现的特定社会经济目标有 （ ）。

选择一项或多项：
A. 防止通货膨胀与金融危机 B. 增加社会福利 C. 促进经济发展 D. 保障充分就业 E. 平衡国际收支 题目7 中央银行作为“银行的银行”，其职能体现在（ ）。

选择一项或多项：
A. 集中存款准备金 B. 代理国库 C. 充当最后贷款人 D. 组织、参与和管理全国清算业务 E. 监督管理金融业 题目8 中央银行的产生是资本主义经济发展的客观要求，促使中央银行产生的客观因素主要有（ ）。

选择一项或多项：
A. 解决银行券分散发行的缺陷的需要 B. 提高票据交换和清算效率的需要 C. 充当最后贷款人的需要 D. 解决政府筹资问题的需要 E. 金融监管的需要 题目9 在国际货币基金组织编制的“货币当局资产负债表”中，一国中央银行的资产主要包括（ ）。

选择一项或多项：
A. 国外资产 B. 对非金融企业债权 C. 对非货币金融机构债权 D. 对政府债权 E. 对存款机构债权 题目10 中央银行作为特殊的金融机构，其特殊性主要体现在（ ）。

选择一项或多项：
A. 主观上不以盈利为目的 B. 不经营普通银行业务 C. 制定并执行货币政策 D. 业务活动以政府利益为出发点 E. 独享货币发行的特权 判断题（每题6分，共5道）
题目11 中央银行作为“政府的银行”，对政府的要求应当有求必应，在政府财政困难时，应当及时出手，确保政府赤字及时得到弥补，不至于威胁到金融体系的稳定。

（ ）
选择一项：
对 错 题目12 中央银行对金融机构的负债比债权更具主动性和可控性。（ ）
选择一项：
对 错 题目13 在组织结构上逐步实行国有化、明确中央银行宏观调控的任务、法律为宏观调控提供保障是中央银行制度完善、健全的标志。（ ）
选择一项：
对 错 题目14 中央银行业务活动原则中的非盈利性注定了中央银行在其业务活动中不能获得利润。如果中央银行在其业务活动中获得了盈利，则违反其非盈利性业务活动原则。

（ ）
选择一项：
对 错 题目15 中央银行虽然也称银行，却是特殊的银行，其特殊性体现为目标与职能的特殊。

（ ）
选择一项：
对 错 形考任务12（第十二章 自测题）
单选题（每题6分，共5道）
题目1 下列货币需求模型中，交易方程式是指（ ）。

选择一项：
A. Md＝kPY B. MV＝PT C. Md＝L1(y)＋L2(i) D. P＝KR/M 题目2 按照凯恩斯的观点，利率低于“正常”水平时，人们预期债券价格（ ），货币需求量（ ）。

选择一项：
A. 上升，增加 B. 下降，减少 C. 上升，减少 D. 下降，增加 题目3 基础货币主要由（ ）构成。

选择一项：
A. 存款货币和存款准备金 B. 流通中现金和存款准备金 C. 流通中现金和原始存款 D. 流通中现金和企业单位库存现金 题目4 从货币需求方面看，利率越高（ ）。

选择一项：
A. 持币的机会成本越大 B. 持币的收益越大 C. 持币的效用越大 D. 持币的机会成本越小 题目5 在高通胀的经济环境中，下列表述最正确的是（ ）。

选择一项：
A. 高通胀将导致本国货币名义汇率对外大幅度升值 B. 对有固定收入的群体有利 C. 持有银行存款的债权人受益 D. 已从银行获得贷款的债务人受益 多选题（每题8分，共5道）
题目6 下列有关货币均衡描述正确的是（ ）。

选择一项或多项：
A. 货币供给与货币需求基本相适应的货币流程状态 B. 是一种在经常发生的货币失衡中暂时达到的均衡状态 C. 在任意时点上货币需求等于货币供给 D. 是社会总供求均衡的反映 E. 指货币供给量与需求量完全相等 题目7 通货紧缩的“两个下降”和“一个伴随”是指（ ）。

选择一项或多项：
A. 汇率下降 B. 物价持续下降 C. 信贷和货币供给量下降 D. 伴随着经济衰退 E. 伴随着“流动性陷阱” 题目8 下列关于货币供应量的表述正确的是（ ）。

选择一项或多项：
A. 货币供应量由货币乘数和基础货币决定 B. 法定准备金率越高，货币供应量越大 C. 提现率越高，货币供应量越小 D. 超额准备金率越高，货币供应量越小 E. 中央银行提高存款准备金利率会增加货币供应量 题目9 国际收支平衡表是一定时期内一个国家（或地区）与他国（或地区）全部经济交易的系统记录，主要构成项目是（ ）。

选择一项或多项：
A. 经常账户 B. 资本账户 C. 金融账户 D. 净误差与遗漏 E. 储备资产 题目10 经济活动中能影响通货-存款比率与准备-存款比率的经济主体行为有（ ）。

选择一项或多项：
A. 居民的经济行为 B. 企业的经济行为 C. 金融机构的经济行为 D. 国外部门的经济行为 E. 政府的经济行为 判断题（每题6分，共5道）
题目11 存款扩张倍数大小与法定存款准备金率、提现率和超额准备金率之间呈正方向变动的关系。

（ ）
选择一项：
对 错 题目12 黄金虽然已经退出了货币历史舞台，但在国际储备资产中仍然是最重要的和占据主要份额的资产。（ ）
选择一项：
对 错 题目13 居民消费价格指数、生产价格指数和GDP平减指数是度量通货膨胀与通货紧缩的共同指标。

（ ）
选择一项：
对 错 题目14 凯恩斯认为，人们持有货币的动机来源于流动性偏好这种普遍的心理倾向，而偏好流动性则是出于交易动机和投机动机。

（ ）
选择一项：
对 错 题目15 在通货紧缩情况下，名义利率的下跌一般赶不上物价下跌的速度，实际利率反而有所提高。

（ ）
选择一项：
对 错 形考任务13（第十三章 自测题）
单选题（每题6分，共5分）
题目1 货币政策的作用过程包含三个环节，不属于这三个环节的是（ ）。

选择一项：
A. 金融机构至企业、居民 B. 企业、居民至国民经济各变量 C. 银行金融机构至非银行金融机构 D. 中央银行至金融机构 题目2 在关于货币政策传导机制的理论中，托宾提出著名的Q理论，归属于（ ）。

选择一项：
A. 信贷传导论 B. 货币传导论 C. 金融价格传导论 D. 汇率传导论 题目3 保持（ ）稳定是保证市场经济中价格机制发挥作用的前提。

选择一项：
A. 汇率 B. 国际收支 C. 币值 D. 利率 题目4 下列利率中不由中央银行规定的利率是（ ）。

选择一项：
A. 再贴现率 B. 银行间同业拆借利率 C. 商业银行存贷款基准利率 D. 专项贷款利率 题目5 再贴现率的调整主要着眼于短期供求均衡，存在一定的局限性。下列不属于其局限性的是（ ）。

选择一项：
A. 主动权并非只在中央银行 B. 调节作用有限 C. 是中央银行利率 D. 能避免金融机构的道德风险 多选题（每题8分，共5道）
题目6 再贴现政策的局限性主要包括（ ）。

选择一项或多项：
A. 主动权并非只在中央银行 B. 调节作用有限 C. 是中央银行利率 D. 可能加大金融机构的道德风险 E. 缺乏中立性和公平性 题目7 货币政策目标包括（ ）。

选择一项或多项：
A. 金融稳定 B. 充分就业 C. 经济增长 D. 国际收支平衡 E. 稳定币值 题目8 1994年《国务院关于金融体制改革的决定》明确提出，我国货币政策中介指标主要包括（ ）。

选择一项或多项：
A. 货币供应量 B. 信用总量 C. 商业银行贷款总量 D. 同业拆借利率 E. 银行超额准备金率 题目9 货币政策操作指标和中介指标的选取要兼备的基本要求是（ ）。

选择一项或多项：
A. 波动性 B. 抗扰性 C. 可控性 D. 相关性 E. 可测性 题目10 货币政策框架主要包括货币政策的（ ）。

选择一项或多项：
A. 传导机制 B. 中介指标 C. 政策目标 D. 政策工具 E. 操作指标 判断题（每题6分，共5道）
题目11 法定存款准备金政策通常被认为是货币政策最猛烈的工具之一。因为它通过决定或改变货币乘数来影响货币供给，因此，即使准备金率调整的幅度很小，也会引起货币供应量的巨大波动。

选择一项：
对 错 题目12 超额准备金由于不受中央银行直接控制，因而不能作为货币政策的操作指标。

选择一项：
对 错 题目13 我国货币政策目标是“保持货币币值稳定，并以此促进经济增长”，实质上是将经济增长作为基本立足点。

选择一项：
对 错 题目14 货币政策的操作指标处于中介指标与最终目标之间，因而距离最终目标更近。

选择一项：
对 错 题目15 从中央银行采取行动到对政策目标产生影响所经过的时间称之为行动时滞。

选择一项：
对 错 形考任务14（第十四章 自测题）
单选题（每题6分，共5道）
题目1 对证券市场监管的基本原则是（ ）。

选择一项：
A. 依法监管原则 B. 保护投资者合法权益原则 C. 严格执法原则 D. 坚持公开、公平、公正的“三公”原则 题目2 欧洲银行业联盟的建立标志着欧元区统一监管格局的形成，在欧盟内部以欧央行为监管机构，实行银行业的（ ）监管。

选择一项：
A. 多头 B. 分业 C. 单一 D. 混业 题目3 对证券市场监管的主要任务是（ ）。

选择一项：
A. 保护企业并购重组中的合法权益 B. 保护投保人的合法权益 C. 保护投资者的合法权益 D. 保护存款人的合法权益 题目4 根据相关法律规定，我国金融监管的主体是（ ）。

选择一项：
A. 银监会 B. 证监会 C. 中国人民银行 D. 保监会 题目5 我国目前实行的金融监管体制是（ ）。

选择一项：
A. 交叉监管 B. 混合监管 C. 分业监管 D. 集中监管 多选题（每题8分，共5道）
题目6 按监管机构的监管范围可把金融监管体制分为（ ）。

选择一项或多项：
A. 单一监管体制 B. 多元监管体制 C. 集中监管体制 D. 分业监管体制 E. 混合监管体制 题目7 实行双层多头金融监管体制的国家是（ ）。

选择一项或多项：
A. 英国 B. 美国 C. 德国 D. 加拿大 E. 巴西 题目8 各国监管机构对银行业的监管重点包括（ ）。

选择一项或多项：
A. 国际业务监管 B. 市场准入监管 C. 日常经营监管 D. 市场退出监管 E. 注册资本监管 题目9 宏观审慎监管和微观审慎监管虽有区别，但有的监管工具相同。这些相同的监管工具是（ ）。

选择一项或多项：
A. 资本监管 B. 审慎信贷标准 C. 流动性风险指标 D. 贷款损失监管 E. 其他风险管理要求 题目10 对证券也的监管主要包括（ ）。

选择一项或多项：
A. 对证券发行的监管 B. 对证券机构的监管 C. 对证券市场的监管 D. 对上市公司的监管 E. 对证券流通的监管 判断题（每题6分，共5道）
题目11 金融监管中由政府负担的成本是奉行成本。

选择一项：
对 错 题目12 金融监管不是单纯检查监督、处罚或纯技术的调查、评价，而是监管当局在法定权限下的具体执法行为和管理行为。

选择一项：
对 错 题目13 美国和英国都是实行多元化监管体制的代表，其金融监管是由多个监管机构承担的。

选择一项：
对 错 题目14 1994年的金融体制改革以后，中国人民银行先后将其证券、保险、银行监管职责分别转交给了证监会、保监会、银监会，已不再负有金融监管职责，成为专门制定与执行货币政策的机构。

选择一项：
对 错 题目15 资本充足性监管是市场准入监管的主要内容。

选择一项：
对 错 形考任务15（第十五章 自测题）
单选题（每题6分，共5道）
题目1 新型金融市场不断形成属于（ ）创新。

选择一项：
A. 金融组织结构创新 B. 金融机构创新 C. 金融制度创新 D. 金融业务创新 题目2 区域性货币一体化趋势的出现属于（ ）创新。

选择一项：
A. 金融工具创新 B. 国际金融监管制度的创新 C. 金融业务创新 D. 国际货币制度的创新 题目3 经济发展对金融起( )作用。

选择一项：
A. 一定的 B. 不确定 C. 决定性 D. 推动 题目4 金融创新对金融发展和经济发展的作用是（ ）。

选择一项：
A. 利小于弊 B. 有利无弊 C. 利大于弊 D. 利弊均衡 题目5 金融创新增强了货币供给的（ ）。

选择一项：
A. 外生性 B. 可测性 C. 可控性 D. 内生性 多选题（每题8分，共5道）
题目6 影响金融结构变化的主要因素有（ ）。

选择一项或多项：
A. 制度因素 B. 金融创新的活跃程度 C. 技术进步 D. 开放程度 E. 金融市场的运行和功能 题目7 金融全球化的主要表现（ ）。

选择一项或多项：
A. 金融机构全球化 B. 金融业务全球化 C. 金融市场全球化 D. 金融监管与协调全球化 E. 金融制度全球化 题目8 当代金融业务创新的体现是（ ）。

选择一项或多项：
A. 新技术在金融业中广泛应用 B. 金融制度创新 C. 金融工具不断创新 D. 新业务和新交易大量涌现 E. 金融组织机构创新 题目9 金融对经济发展的推动作用主要有（ ）。

选择一项或多项：
A. 金融活动为经济发展提供基础条件 B. 金融促进社会储蓄，并促进储蓄转化为投资 C. 金融活动节约社会交易成本，促进社会交易的发展 D. 金融业的发展直接为经济发展做出贡献 题目10 形成一个国家或地区金融结构的基础性条件主要有（ ）。

选择一项或多项：
A. 经济发展的商品化和货币化程度 B. 商品经济的发展程度 C. 信用关系的发展程度 D. 经济主体行为的理性化程度 E. 文化、传统、习俗与偏好 判断题（每题6分，共5道）
题目11 现代金融业的发展在有力推动经济发展的同时出现不良影响和负作用的可能性越来越大。

选择一项：
对 错 题目12 当代金融创新革新了传统的业务活动和经营管理方式，加剧了金融业竞争，形成了放松管制的强大压力，但并未改变金融总量和结构。

选择一项：
对 错 题目13 金融已成为现代经济的核心，现代经济也正逐步转变为金融经济。

选择一项：
对 错 题目14 国际货币制度创新的其中一个重要表现是区域性货币一体化趋势，它与国际金融监管创新同属于金融组织结构创新。

选择一项：
对 错 题目15 选择一项：
对 错 《高级英语阅读(1)》网络课答案 形考任务一（70分）
Chapter 1 Exercise（分值7分）
题目1 I. Vocabulary skills（3 points）
Look at the columns below. Match each vocabulary word on the right with the correct definition on the left. (0.5 points each) 1.the bus or subway 2.proof of completion of courses of students 3.money for students from scholarships, grants, or loans 4.formal talks by professors or instructors on subjects of study 5.courses by video, video conferencing, or computers to students in different places 6.the points or grade a student gets on a test 答案：
II. Reading Comprehension (4 points) Read the passages, then answer the questions that follow. (1 point each ) Experiencing Culture Shock A When Eliza James arrived at the University of Xian, she was excited to live in a new country, to improve her Chinese, and to experience a culture so different from her own. But soon her excitement turned to frustration as she encountered one roadblock after another. “I felt like I couldn＇t accomplish anything. My dorm room had no heat, I couldn＇t get into the classes I wanted, and every time I asked someone for help they gave me the runaround. I felt like no one was listening to me.“ Eliza met with administrators, sent letters of complaint, and even contacted the consulate in Beijing, but she got nowhere. What Eliza didn＇t realize was that her American approach to solving problems was very different from the Chinese one in which patience and negotiation skills are key. She soon learned how to solve problems within the cultural norms of Chinese society instead of forcing her own values onto those around her. “I finally feel like I fit in and that I know what I＇m doing. In fact, it＇s really fun being in a place that＇s so incredibly different from what I am accustomed to.“ B Yoshi Yamamoto is a junior at a small college outside of Boston. Although he is an honors student now, Yoshi didn＇t always have such an easy time studying in America. “Teaching methods are very different here than they are in Japan. It took me a long time to get used to learning in seminars and discussing ideas with my classmates. At first it seemed like I wasn＇t actually learning anything.“ Yoshi＇s reaction was to totally withdraw: he didn＇t participate in class discussion; he spent lots of time alone in his room, and he even skipped class on occasion. “I thought I could teach myself. Now I recognize the value of the U.S. academic system, and I am able to adapt it to my own learning style.“ C Both Eliza and Yoshi experienced what is called culture shock: psychological disorientation due to living in a new culture. For many international students, studying abroad can offer exposure to new cultures and an opportunity to study new fields and languages. However, it also offers the greater challenge of trying to function in a foreign culture. Studying and reading about a certain culture is poor preparation for the reality of living in it. According to psychological studies, the four stages of culture shock are 1. euphoria, 2. hostility, 3. gradual adjustment, and 4. adaptation. Culture shock can be manifested in many ways: homesickness, boredom, stereotyping of or hostility towards the host culture, overeating or overdrinking, withdrawal, and inability to work effectively. D Different people experience different levels of culture shock and react in different ways. For example, Eliza got angry while Yoshi withdrew from society. The most important thing to remember is that culture shock is normal; it is not something to be ashamed of. Luckily, there are some things international students can do to make their adjustment to a new country go more smoothly. For instance, they can stay in touch with family and friends from home, join international student organizations, meet people from their own countries, and get involved in campus activities. Most importantly, they can adjust to life abroad by keeping a sense of humor and trying to remain positive. Recognizing Paragraph Topics（choose the paragraph letter）
题目2 7. an explanation of culture shock 选择一项：
A. A B. B C. C D. D 题目3 8. ways that students can adjust to living in a new country 选择一项：
A. A B. B C. C D. D 题目4 9. the experience of an international student in the United States 选择一项：
A. A B. B C. C D. D 题目5 10. the experience of an international student in China 选择一项：
A. A B. B C. C D. D Chapter 2 Exercise（分值7分）
题目1 I. Vocabulary Skills（2 points）
Sometimes examples can explain the meaning of a word or phrase. For example, sun, rain, and wind are examples of kinds of weather. Look at the columns below. Match each vocabulary word or phrase in the first column with the examples in the second column. (0.4 points each) 1.kinds of extreme weather 2.Earth’s natural materials and gases 3. diseases or health disorders 4. seasons of the year 5. natural areas or regions of the earth 答案：
II. Reading Comprehension (5 points) Complete the following statements by choosing the best from the answers A, B or C. (1 point each) Seasonal Affective Disorder: More than Just the Blues A Joshua dreads the winter months, not only because of the cold New England weather--the sleet, snow, wind, and rain--but because as the seasons change from summer to fall to winter, the days get shorter. As the days get shorter, he starts feeling depressed and irritable and spends more and more time at home, eating and sleeping. A graduate student in philosophy, Joshua finds that he gets little work done during the winter months and has trouble paying attention in class and concentrating on his research. “I soon realized that what I thought was just the ＇winter blues＇ was something more extreme than that.“ Josh visited a doctor who diagnosed him with SAD. B Seasonal Affective Disorder, or SAD, is a kind of depression that occurs seasonally. It is associated with the long hours of darkness and lack of sunlight during the winter months (people with SAD usually feel worse from December through February). Scientists don＇t completely understand the exact causes of SAD, but they believe it is related to a biochemical imbalance in the hypothalamus. The hypothalamus is the basic part of the brain that controls the body＇s breathing, heartbeat, metabolism, and hormone release. The effects of SAD include moodiness, irritability, low energy, increased appetite for carbohydrates (foods such as potatoes, rice, and bread), difficulty concentrating, and the tendency to oversleep. C Although doctors described SAD for the first time in 1984, humans have probably dealt with the disorder for thousands of years. It is not a coincidence that many cultures have important celebrations during the short days of the winter months. Christmas, Hanukkah, and Winter Solstice celebrations all occur in December. These celebrations involve lighting candles in order to bring light, warmth, and happiness to an otherwise depressing time of year. D So what can SAD sufferers do to feel better? Naturally, they need more light. For people who have mild cases of SAD, exercising in the morning sun could be enough to help them. Phototherapy, or light therapy, is usually prescribed for people who have more serious cases of the disorder. In light therapy, patients sit in front of a light box, a strong artificial light, for up to four hours a day. Phototherapy is effective in over 80% of SAD cases, and patients usually see results within three to four days. Although the symptoms of SAD are similar to those of clinical depression, traditional antidepressants have not proven useful in treating SAD. While psychological counseling cannot treat the symptoms of SAD, it is recommended to help SAD sufferers learn to accept and deal with their illness. 题目2 6. Joshua starts feeling depressed and irritable in the winter because 选择一项：
A. he gets little work done B. he suffers from Seasonal Affective Disorder C. he is a graduate student in philosophy 题目3 7. Seasonal Affective Disorder, or SAD, is a condition that researchers believe affects people during the winter months. Scientists believe it is caused by 选择一项：
A. breathing, heartbeat, metabolism, and hormone release B. moodiness, irritability, loss of energy, increased appetite, difficulty concentrating, and sleepiness C. lack of sunlight and a biochemical imbalance in the brain 题目4 8. Humans have probably struggled with SAD since 选择一项：
A. ancient times B. December C. 1984 题目5 9. People who suffer from SAD can to feel better. 选择一项：
A. do light therapy B. take antidepressant drugs C. eat carbohydrates 题目6 10. This passage talks about_____. 选择一项：
A. what the SAD effects are B. Both A and B. C. how to help SAD suffers Chapter 3 Exercise（分值7分）
I. Reading Comprehension (5 points) Read the passages, then answer the questions that follow. (1 point each ) Fast food can be good food Many people are too busy to prepare and eat three nutritious meals a day.so they turn to the convenience of fast-food restaurants. Many of the items at fast-food restaurants, snack bars, and food stands are fattening and not very nutritious.But fast food doesn’t have to be unhealthy.you can eat at fast-food restaurants and still eat well. Pay Attention to Calories and Fat Content By paying attention to the number of calories and fat that a food item has ,you can make smarter choices.Calories are “units for measuring how much energy a food will produce”.condsider two fast-food meals. A quarter-pound hamburger with cheese, jumbo-size fries,and a 16-ounce soda have a total of 1,535 calories and 76 grams of fat .a broiled (cooked under direct heat or over a flame )chicken sandwich ,a side salad with low-fat dressing,and a glass of water at the same fast-food restaurant have only 422 calories and 7 grams of fat .but maybe you really want a hamburger and fries .well,you can have a small hamburger,a small serving of fries,and a glass of water.At a total of 490 calories and 20 grams of fat,that’s still a much smarter choice than the large burger ,fries,and 20 grams of fat ,that’s still a much smarter choice than the large burger,fries,and sada. There’s More That You Can Do There are a few additional things you can do to make sure you eat well in fast food restaurantS.First of all,say “no” when the cashier asks you if you want to “supersize” you meal (order an extra large portion of each item).Second, ask for no mayonnaise or sauce,or ask for it on the side (in a separate dish).Third,substitute(use something instead of something else)healthy foods for fatty ones. For example,instead of ordering deep-fried tempura,order fresh vegetables.Instead of ordering a beef burrito with lots of cheese and sour cream,order a vegetable burrito with beans and rice.and don’t eat the chips!Another thing you can do is order a side salad or a vegetable soup and eat it first.That way,you will eat some vegetables,and you won’t be able to eat as much of your burger and fries.Fnally,eat slowly and stop eating when you’re full. It sounds simple,but many people keep eating even after they become full. 题目1 1.What is the main idea of this article ?________ 选择一项：
A. It’s smart to eat foods with low calories and fat content. B. Fast food is always bad for you . C. You can eat well in fast-food restaurant D. Fast-food restaurants are the best the place to find healthy foods . 题目2 2.A small hamburger and small firies has __________ 选择一项：
A. more calories and fat than a chicken sandwich and a salad. B. the same amount of calories and fat as a chicken sandwich and a salad. C. fewer calories and fat than a chicken sandwich and a salad. D. the same amount of calories and fat as a large portion of fries. 题目3 3.Some things you can do to eat well in fast-food restaurants are________ 选择一项：
A. ask for eatra manyonnaise and sauce and say no to “surpersizing” . B. order a vegetable burrito instead of chips and eat sour cream . C. order smaller portions and eat all the food you order. D. order healthy foods instead of fatty ones and drink water. 题目4 4.Manyonnaise and sauces probably_________ 选择一项：
A. make you eat less because they make you feel full sooner. B. make you eat more because they make your food taste better. C. have a lot of fat and calories. D. don’t have a lot of fat and calories. 题目5 5. By eating a salad or soup before the rest of your meal,_______ 选择一项：
A. you eat less of the rest of your meal. B. you eat more slowly. C. you get full sooner. D. you eat the rest of your meal more quickly. II. Vocabulary skills（2 points）
Read the paragraph below and fill in each blank with a word from the box. (0.4 points each) 题目6 changes damaging losing global available The growing similarities in diet and eating habits around the world are influencing people of various cultures in different ways. For example, Western foods are 6 damaging health in the industrialized island country of Japan. Instead of small meals of seafood, rice, and vegetables, the typical Japanese diet now includes large amounts of meat, dairy products, and desserts like tiramisu, a rich Italian dish full of chocolate, cheese, and sugar. According to Japanese health researchers, such 7 changes in eating habits are related to a great increase in health problems such as heart disease, strokes, cancer, and diabetes. On the other hand, the changing 8 global diet is having the opposite effect on the people in the CzechRepublic. The government of this European nation no longer supports meat and dairy products financially, so the cost of these foods is going up. In contrast, fresh fruits and vegetables are becoming more widely 9 available from private markets and stands. Cooks are even serving salads to schoolchildren, and families are eating healthier home-cooked meals. For these reasons, fewer Czech men are having heart attacks, the women are 10 losing a lot of weight, and most people are living healthier lives. Chapter 4 Exercise（分值7分 I. Vocabulary Skills（2 points）
题目1 Match each vocabulary word on the left with the correct definition on the right. (0.4 points each) 1.make sense 2.pedestrians 3.vehicle 4.teenager 5.fine 答案：
II. Reading Comprehension (5 points) Complete the following statements by choosing the best from the answers A, B, C, or D. (1 point each) These days, it’s getting easier and easier to find your way around. Some people have GPS devices in their cars to make sure they don’t get lost. GPS stands for Global Positioning System. These devices use satellites in space to “see” where you are and give you directions to where you want to go. And if you don’t have a GPS device, you can simply go online to get step-by-step directions. Websites like MapQuest.com and mappoint.msn.com can produce a map and directions in just a few seconds. But how do they do it? MapQuest® uses data (information) from a few different sources to produce directions and maps. Before MapQuest® went online, it sold regular paper maps in places like gas stations. The website uses the data from those paper maps, information from digital mapping companies, and government databases. At the moment, MapQuest® uses more than 30 computers to read all this data and provides users with millions of maps every day. In order to find the best route (way or path) from one place to another, MapQuest® first has to look at all possible routes. Then MapQuest® looks at each part of each possible route. It considers the types of roads on the different routes. Are they dirt roads, paved roads, freeways, or city streets? It looks at how many turns there are in each route and what kinds of turns they are. Are they right turns or left turns? It also considers the speed limit on each road and how many intersections there are. An intersection is “a place where two or more roads cross each other”. MapQuest® can also tell you how long your trip will take you. It does this by doing some math. MapQuest® bases its estimated driving times on the length and speed limit of each part of the route and the amount of time it probably takes to get through each intersection. For example, it allows more time for a left turn at an intersection than it does for a right turn. Someday, maybe we will have cars that can just drive us wherever we want to go, but for now, mapping websites make it a little harder to get lost. 题目2 6.What is the main idea of this article? 选择一项：
A. Why mapping websites don’t work well. B. Why mapping websites are better than paper maps. C. How mapping websites work. D. How the first mapping website started. 题目3 7.According to the article, MapQuest®______ 选择一项：
A. started as maker of government databases. B. started as an Internet company. C. uses millions of computers to read data. D. starting by selling paper maps. 题目4 8.When you search for directions, the first thing MapQuest® does is_______ 选择一项：
A. consider how many turns you want to take. B. print out a map and directions. C. estimate driving time. D. look at all possible paths. 题目5 9.When it’s deciding on the best route, MapQuest® probably chooses ________ 选择一项：
A. the route with the most turns. B. dirt roads instead of paved roads. C. freeways instead of dirt roads. D. city streets instead of freeways. 题目6 10. To estimate your driving time, MapQuest® considers _________ 选择一项：
A. the distance between turns on your route. B. the speed limit for half of the route. C. the fastest and slowest speed limits on your route. D. the speed limits and types of turns on your route. Chapter 5 Exercise（分值7分）
I. Reading Comprehension (5 points) Read the five main-idea questions that follow about the information in the reading. Three details correctly answer each question. Cross out the untrue, unrelated detail. (1 point each ) 题目1 1. What are the definitions of the two main types of families? 选择一项：
A. Human beings lived in loosely-related groups. Each group had a common ancestor long time ago. B. The nuclear family consists of two parents and their biological or adopted children. C. The extended family may include grandparents, parents, children and relatives living together on the same street or in the same area. D. The nuclear family is the same as the extended family. 题目2 2. What are the reasons for the changes in the structure of the family? 选择一项：
A. The divorce rate went down and the birthrate began to rise in the early 1900s in the United States. B. Couples did not want many children then. C. In the early 1900s in the United States, the divorce rated went down and the birthrate went down. D. At that time, couples were staying married for few years. 题目3 3. What happened to families in industrialized countries in the 1930s and 1940s? 选择一项：
A. Before and during World War II, families faced few financial problems and women didn’t have to work away from home. B. Men were at war, so women had to work outside the home. C. Before and during World War II, families had problems. D. Families had serious financial problems during World War II. 题目4 4. What changes will happen to family structure during the next decades? 选择一项：
A. Divorces would be fewer, mothers would stay at home after the war. B. Children began living at home longer. C. After the war, family structure changed back. D. After the war, there were more divorces and fewer stay-home-mothers. 题目5 5. What will families be like in the future? 选择一项：
A. Many people want the traditional two-parent family back. B. Two-parent family will probably come back and all other family forms will end. C. Unmarried parents with adopted or foster children, and one-person households. D. There may be more single-parent families. II. Vocabulary Skills（2 points）
Read the paragraph below and fill in each blank with a word from the box. ( 0.4 points each) 题目6 living extended category typical believe The Family of the Future Many people today would like the traditional two-parent family back—that is to say, they want a man and a woman to marry for life; they also think the man should sport the family and the woman should stay home with the children. However, few families now fall into this 6 category In fact, if more women decide to have children on their own, the single-parent household may become more 7 typical than the traditional family in many countries. Also, unmarried couples may decided to have more children—or they might take in foster children or adopt. And because people are staying single and 8 living longer (often as widows), there may be more one-person households in the future. On the other hand, some people 9 believe similar events happen again and again in history. If this is true, people may go back to the traditional 10 extended or nuclear family of the past. Others think the only certainty in history is changing: in other words, the structure of the future family could begin to change faster and faster—and in more and more ways. Chapter 6 Exercise（分值7分）
I. Vocabulary skills（2 points）
Complete the following statements by choosing the best from the answers A, B, C, or D. （0.4 points each）
题目1 1. Some examples of the architecture of old Europe are the magnificent cathedrals and castles. The design and building styles of modern architecture are excellent too. What does the noun architecture mean in these sentences? 选择一项：
A. the place with significant civilization everywhere B. people that study the culture of old Europe and other societies C. the art and science of designing the study of classical literature D. the form and plan of buildings and other structures 题目2 2. Perhaps the real beginning of civilization—with its scientific and technological discoveries and inventions—was in the Middle East and Africa. Over five thousand years ago, those ancient civilizations had astronomy, mathematics, medicine, government, and so on. Which word is a synonym of the word civilization? 选择一项：
A. technology B. cathedral C. culture D. astronomy 题目3 3. The cultural legacy of ancient Chinese and Indian peoples included walled cities, the first governments, tools for work, and weapons for protection. odern peoples built on this legacy.What is a possible explanation of the word legacy? 选择一项：
A. ideas and achievements passed from earlier generations to modern society B. a gift of money that somebody gives to another person C. international business conducted in cities and government structures D. the state or condition of being legal; not against the law 题目4 4. “For me, the idea of ancient culture creates a contradiction in definitions,” said Karen, going against Mei’s views. “Only modern things can be part of culture.Of course, people that like classical art and music will contradict me.” What might the noun contradiction mean? 选择一项：
A. the opposition of two opinions B. wearing a Hawaiian shirt in an ancient culture C. the short forms of two words together D. to put words together 题目5 5. Because of the worldwide media—movies, TV, CDs, the Internet, newspapers, magazines—everybody knows the same information, plays the same music, and enjoys the same jokes.How might you define the phrase the media? 选择一项：
A. the combination of visual, sound, and printed ways to send ideas around the world B. communication styles include motions, gestures and facial expressions C. the tradition of being in the middle—not on the extremes of possible views D. events that appear in the daily news and that everyone knows about II.Reading Comprehension (5 points) Decide whether the following statements are true or false. Write “T” for True and “F” for False. （1 point each）
题目6 Many visitors to different countries don’t realize how important it is to understand a country’s culture. Sometimes people learn this lesson by making a big cross-cultural blunder, or embarrassing mistake. In business situations, these blunders can cost a lot of money or end business relationships. 6.It is important to understand other people’s cultures before you do business with them. 选择一项：
A. F B. T 题目7 For example, one company wanted to sell toothpaste in Southeast Asia. In their advertisements, they claimed that their toothpaste whitens teeth. They didn’t understand that many of the local people chewed betel nuts to make their teeth black, and that these people thought black teeth were attractive. 7. The toothpaste company probably kept using the same advertisement in Southeast Asia. 选择一项：
A. F B. T 题目8 In another case, a car company tried to sell a car called “Matador” in a Spanish-speaking country. The company thought that it was a strong name because it means “bullfighter”. In Spanish, matador is indeed a noun meaning “bullfighter”. But it is also an adjective meaning “killing”. Imagine driving around in a car called “Killing”! 8. The car company that tried to sell a car to a Spanish-speaking country probably didn’t sell many Matador cars in that country. 选择一项：
A. F B. T 题目9 A European businessman had an important meeting with a company in Taiwan. He wanted to bring gifts for the people he was meeting with. He thought that something with his company’s logo on it would be a nice gift. So he bought some very nice pocket knives and had his company’s logo printed on them. He didn’t know that giving a knife as a gift symbolizes cutting off a friendship! 9. The European businessman probably researches new cultures before he visits them now. 选择一项：
A. T B. F 题目10 It’s very easy to make blunders like these people did. But it’s also very easy not to. Before you visit a new country, research that country’s customs and etiquette (social rules for polite behavior). You can find a lot of information online. Just go to a search engine and type in key words like “cross-cultural etiquette” or “cultural information Taiwan”. By spending a few minutes doing research, you can save yourself from a lot of embarrassment and make sure you don’t accidentally offend anyone. 10. What you can disagree with people to save yourself from making cross-cultural blunders. 选择一项：
A. T B. F Chapter 7 Exercise（分值7分）
I. Reading Comprehension (5 points) Decide whether the following statements are true or false. Write “T” for True and “F” for False on the Answer Sheet. (1 point each) 题目1 For instance, a doctor doesn’t always have time to thoroughly explain an illness. In these cases, the Internet can be a valuable resource—a place to read all about the causes, symptoms, and remedies for an illness. 1. One benefit of using the Internet as a medical resource is it has a lot of information about illnesses and diseases. 选择一项：
A. F B. T 题目2 For example, some websites claim that sniffing (smelling) a newspaper can cure nausea (the feeling of being sick to your stomach and wanting to vomit). 2. One possible remedy for nausea is drinking a lot of tea. 选择一项：
A. T B. F 题目3 Other websites suggest that a person with a cold should keep a piece of raw garlic in his or her mouth all day and bite down on it every few minutes to release the juice. People with smelly feet are told to soak their feet in tea for half an hour. 3. The websites remedies might be unpleasant or odd, but they probably will cause harm. And who knows? They might actually be unhelpful. 选择一项：
A. F B. T 题目4 An herbal remedy for helping your memory may also be a blood thinner. So if your doctor prescribed (put you on) a blood thinner and you start taking this herb without asking your doctor about it, a simple cut could be deadly; you might not be able to stop bleeding. 4. A person who is taking a prescribed drug should probably talk to the doctor before taking an herbal remedy. 选择一项：
A. F B. T 题目5 The bottom line is this: be careful when using the Internet as a health resource. Use it to find information that you can discuss with your doctor. But don’t spend a lot of money on “miracle cures”. 5. The best way to use the Internet as a medical resource is to read about your illness and discuss what you find out with your doctor. 选择一项：
A. T B. F II. Vocabulary skills（2 points）
Read the paragraph below and fill in each blank with a word from the box. ( 0.4 points each) 题目6 disease substance classification prevent figure In a small-town farm market, hundreds of elderly people drink a glass of sour dark cherry juice every day. These happy senior citizens, some of them over the age of 90, claim that the natural fruit juice cures—or at least decreases—the pain of their arthritis, a 6 disease of the joints of the aging body. It’s a folk remedy, not a proven medical therapy. Nevertheless, science is beginning to 7 figure out why sour cherry juice might work to improve the health of patients with arthritis. The secret is in the 8 substance that gives the cherries their dark red color. It belongs to a 9 classification of natural nutrients that color blueberries, strawberries, plums, and other fruits—and vegetables too. Moreover, these coloring substances may help to 10 prevent serious health disorders like heart disease and cancer. In other words, vitamins and fiber are not the only reasons to eat fruits and vegetables. “To take advantage of natural whole foods,” advise nutritionists. Chapter 8 Exercise（分值7分）
I. Vocabulary Skills（2 points）
Complete the following statements by choosing the best from the answers A, B, C, or D. ( 0.4 points each) 题目1 1.At all hours, the media offer language learners “real-life” audio visual instruction and practice in aural comprehension. 选择一项：
A. hospital and health information B. understanding spoken language C. the answers to test questions D. real-life experience 题目2 2. High-quality TV programming —a good plan of shows about various fields of study—can increase people’s knowledge and improve their thinking abilities. 选择一项：
A. scientific and medical shows B. movies with good music C. academic lecture courses D. choice and organization of shows 题目3 3. Television and video provide almost everyone with good entertainment—a pleasant way to relax and spend free time at home. 选择一项：
A. amusement or pleasure B. freedom from worry and tension C. relaxation through exercise D. fun through serious study 题目4 4. Images of violence on the screen scare people, giving them terrible nightmares when they sleep. 选择一项：
A. dark, stormy weather B. bad conditions C. physical disabilities D. behavior that hurts people 题目5 5. The talk shows of “trash TV” make instant “stars” of real people with strange or immoral ideas, who tell their most personal secrets, shout angrily, and attack one another. 选择一项：
A. valuable programs B. negative effects C. shows without quality D. normal life stories II. Reading Comprehension (5 points) Complete the following sentences by choosing the best from the answers A, B, C, or D. (1 point each) A Everyone makes mistakes, or so the saying goes. But have you ever heard about mistakes in Hollywood? When most people think of Hollywood, they think of blockbusters (very successful movies), high-paid actors, glitz, and glamour. But according to one Website, many Hollywood movies are full of mistakes. Some are technical errors. For instance, in a scene of the science-fiction adventure film The Matrix, when the main character steps out of his car, the viewer can clearly see the camera crew in the car window. In another scene, the same character is typing on his computer, yet the computer screen is blank. Other movie mistakes are historical. For example, the epic Gladiator, an Oscar winner, is known for having lots of historical errors. Throughout the movie, the gladiator Maximus refers to his home in Spain, and the other characters call him “the Spaniard.“ However, in 180 A.D., when the movie takes place, Spain as a country or even as a concept didn＇t exist yet. At another point in the movie, Maximus says that his homeland of Spain has “the best horses.“ But horses weren＇t brought to the Iberian Peninsula until the invasion of the Moors (North Africans) in 711 A.D, more than 500 years after the movie takes place. The historical drama Titanic, another Oscar winner, also has its share of historical blunders. The Titanic sunk in the year 1912. So why is one of the characters wearing a digital watch? In fact, movie watchers have found over 100 mistakes in The Matrix, Gladiator, and Titanic. Can you think of any errors in your favorite films? B How susceptible are you to advertising? Has a TV commercial or magazine ad ever made you buy the product that was advertised? If so, perhaps you have been subjected to subliminal advertising. Subliminal advertising is a kind of advertising that appeals to the subconscious. The word “subliminal“ comes from the Latin “sub“ meaning “lower,“ “beneath,“ or “under,“ and “limen“ meaning “threshold,“ (the level at which something begins to happen). Thus, subliminal advertising stimulates your brain at a level below conscious perception. You cannot see, hear, or perceive subliminal ads, but they may affect you just the same. There are two main types of subliminal ads. The first involves flashing messages quickly during a commercial or film. The messages appear and disappear so rapidly that the mind cannot process them consciously, but it might receive them passively, at a subconscious level. James Vicary, a market researcher, first introduced this kind of subliminal advertising in 1957 when he flashed the words “Eat Popcorn“ and “Drink Coca-Cola“ every five seconds during a movie. The messages couldn＇t be seen, yet Vicary claimed that the moviegoers＇ brains could perceive them: Coke sales went up by 18% and popcorn sales by over 50%. More recently, the same type of subliminal advertising was used in a negative ad for a political campaign. In the ad, the word “rats“ flashed up briefly during the part of the ad describing one party＇s healthcare plan. The purpose was to associate that opposing party with the negative word “rats.“ The second kind of subliminal advertising involves hiding or incorporating images into visual advertisements. A well-known example is on a package of a famous brand of cigarettes. Some say that if you look closely you can see the image of a man who is sexually aroused. In fact, a lot of subliminal advertising involves sex, coming from the idea that “sex sells.“ One media researcher claims that everything from crackers to alcohol to soda has used subliminal sexual imagery to appeal to buyers. Although studies show that consumers believe strongly in the power of subliminal ads, no one can prove the effects of subliminal advertising. Psychologists and others who study subliminal stimuli have not been able to show that subliminal advertising actually works. Many advertising researchers believe that traditional ads, in which a powerful image is used to sell a product, are more effective than subliminal advertising. All the same, it still remains a controversial topic, one that is on the mind of buyers and sellers alike. 题目6 6. What is the best title for the Paragraph A? 选择一项：
A. The Success of Hollywood: Movie Madness. B. Hollywood Bloopers: Mega Movie Mistakes. C. History or Hollywood? Hollywood Interprets Famous Historical Events. 题目7 7. What is the best title for the Paragraph B? 选择一项：
A. The Effect of Advertising on the Human Brain. B. Sex Sells: This History of Sex in Advertising. C. Subliminal Advertising: What Is It? Does It Work? 题目8 8.The Moors invaded Spain ______ the movie Gladiator takes place. 选择一项：
A. before B. after C. since 题目9 9. Another word for mistake is ______. 选择一项：
A. error B. blunder C. A and B 题目10 10.The subconscious is the part of the brain that _______. 选择一项：
A. passively notices and remembers information B. actively notices and remembers information C. does not notice or remember information Chapter 9 Exercise（分值7分）
I. Vocabulary Skills（2 points）
题目1 Which of the words below contain a prefix with a negative meaning? Choose N. Choose X for the words without negative meanings. ( 0.4 points each) discourage 答案 N disrespect 答案 N illustrate 答案 X instant 答案 X illegal 答案 N II. Reading Comprehension (5 points) Complete the following statements by choosing the best from the answers A, B, C, or D. (1 point each) Meeting the Perfect Mate What is the best way to meet the perfect husband or wife? I am continuing to interview students on campus trying to answer this question for my sociology class. So far, people have mentioned arranged matches, discos and bars, computer dating services, and personal ads. One guy even said he thought supermarkets were the best places to meet women. I guess you can talk a lot about a head of lettuce! I decided to go to the school cafeteria to interview some people there. “I think date cafés are the best way to meet people,“ said my friend Rahul. “Date cafés? What＇s that?“ I asked. “Well, a date café is both a café and a dating service. You go to the café, order a cup of coffee or whatever you want, and look through people＇s profiles. Then, if someone interests you, you can send him or her an email and arrange a date at the café. You can also fill out your own profile and have people email you. The form asks you about everything from looks, to interests, to religion. The date café is a relaxed way to make contacts.“ “Are there many of them around?“ I asked. “Hmm. Well, there＇s one near campus called Drip. In fact, I had a Drip date just last week,“ said Rahul. “Drip! But isn＇t that a word that＇s used to describe someone who is dull and boring? It doesn＇t sound too promising.“ “Yeah, well it＇s funny you say that, because my date was pretty uninteresting. She barely talked at all, and she kept looking down at her coffee mug.“ “Well, what about a mail order bride?“ said Rahul＇s roommate, Joni. “A what?“ I asked. “A mail order bride. You know, you search for your wife in a catalog and the next thing you know you＇re married. With the Internet it＇s easier than ever,“ she said. “Ugh, that sounds awful.“ I said. “Have you ever met anyone who has done that?“ “Yes, my uncle did it. His marriage ended a year later. The truth is, I＇m against it. Usually the women come from poor countries and don＇t know what they＇re getting into. My uncle＇s wife had a really hard time adjusting and went back to her country as soon as they split up.“ “I think mail order is out. Any other suggestions?“ “I find that meeting people through classes or extracurricular activities is a good idea,“ said Michelle. “For instance, I signed up for a Japanese cooking class, both because I like Japanese food, and because I thought I might meet someone nice with similar interests.“ “And did you?“ “Yeah, I made lots of friends: Sumi, Katrina, Mariah...no guys, though. The class was 90% women. In fact, now that you mention it, the same thing happened with the salsa class, the pottery class and my Tai Chi class. I met a lot of nice women, but I definitely did not find the man of my dreams.“ Last I interviewed a couple in the library. “Friends“ they said. “We met through friends. It＇s the best way to find the perfect mate.“ “Really,“ I said. “And why is that?“ “Well, your friends usually know what you like. And also, you know the person is someone you can trust, not like meeting someone in a bar or a supermarket. For instance, we met because Chris＇s lab partner thought we would really get along.“ “Yeah, Scott and I met, and I immediately liked him. I emailed him and it took him three months to email me back!“ “Well, I＇m a little shy, but it eventually worked. Here we are, a year later and still together.“ “Well that＇s the best story I＇ve heard yet, “ I said. But if I＇ve learned one thing in this study, it＇s that meeting someone special, no matter how you do it, is difficult.“ 题目2 6.If you interview someone, you __. 选择一项：
A. ask him/her a lot of questions B. ask him/her to fill out a form 题目3 7. A person＇s profile probably __. 选择一项：
A. shows a picture of the person B. tells something about the person 题目4 8. A drip is __. 选择一项：
A. a kind of computer dating service B. a dull, boring person 题目5 9. If something is awful, it＇s __. 选择一项：
A. interesting and unusual B. unpleasant and bad 题目6 10. If you and your mate split up, you __. 选择一项：
A. end your relationship B. get engaged Chapter 10 Exercise（分值7分）
I. Reading Comprehension (5 points) Decide whether the following statements are true or false. Choose “T” for True and “F” for False. (1 point each ) 题目1 Competition in Olympic sports is supposed to be fair. However, in judged sports, fairness is impossible. Therefore, judged sports should be banned from the Olympic games. A judged sport is any sport that requires judges to determine a winner. For example, gymnastics, figure skating, half pipe (snowboarding), and diving are all judged sports. 1.The writer believes judged sports should be eliminated from the Olympics. 选择一项：
A. T B. F 题目2 Why do I believe that judged sports should be eliminated from the Olympics? First of all, judges don’t see everything. For example, a mistake in figure skating can happen in a fraction of a second. If a judge blinks or looks away for a moment, he or she might miss the mistake and give the skater a higher score than the skater deserves. 2.One reason that judged sports should not be allowed in the Olympics is that judges can have different opinions. 选择一项：
A. T B. F 题目3 Second, two judges can disagree about which athlete gave the best performance. In sports in which the difference between gold and silver is usually a few hundredths of a point, this kind of subjectivity is unacceptable. Can anyone really say with certainty that a gymnast who receives a score of 9.825 is a better gymnast than one who scores 9.823? 3.One argument against banning judged sports from the Olympics is that people should stop arguing about it. 选择一项：
A. T B. F 题目4 A lot of people claim that judged sports are subjective and should not be allowed in the Olympics. They feel that only sports that are measured objectively for things like speed, such as swimming, track, and skiing, should be allowed because judges can’t be objective and fair. I disagree with these people. Why? I believe that no sport is 100% fair and objective. 4. The writer here believes all sports are objective. 选择一项：
A. T B. F 题目5 Some athletes may win because their equipment is better than their opponents’ equipment. For example, in the 2000 summer Olympics, some swimmers wore controversial high-tech suits. The maker of the suit claimed that the fabric could make a swimmer 3% faster. No one could prove that this was true, but they couldn’t prove that it wasn’t true either. 5. The equipment can be one reason that decides athletes’ sports scores. 选择一项：
A. T B. F 题目6 II. Vocabulary Skills（2 points）
Match the following vocabulary items on left with their possible explanations on right. ( 0.4 points each) co-worker contribute promotion progress intermission 答案：
形考任务二（30分）
破冰行动（所属章：Guidelines；
分值5分；
需要教师批阅）讨论区 异国特色食谱（所属章：Chapter 3；
分值5分；
需要教师批阅）讨论区 身边的家庭模式（所属章：Chapter 5；
分值5分；
需要教师批阅）讨论区 新闻采访稿（所属章：Chapter 8；
分值5分；
需要教师批阅）互动评价 网上表现（所属章：所有章节；
分值10分；
需要教师批阅）