国家开放大学电大《金融法规》《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《金融法规》《高级英语阅读(1)》网络课形考网考作业(合集)答案 《金融法规》网络课答案 形考任务1 讨论题目：什么是非法集资？如何识别和防范非法集资？ 1.什么是非法集资？ 非法集资：是一种犯罪活动，是指单位或者个人未依照法定程序经有关部门批准，以发行股票、债券、彩票、投资基金证券或者其他债权凭证的方式向社会公众筹集资金，并承诺在一定期限内以货币、实物以及其他方式向出资人还本付息或给予回报的行为。

2. 如何识别和防范非法集资？ 社会公众识别和防范非法集资，应注意以下四个方面：
　　一要认清非法集资的本质和危害，提高识别能力，自觉抵制各种诱惑。坚信“天上不会掉馅饼”，对“高额回报”“快速致富”的投资项目进行冷静分析，避免上当受骗。

　　二要正确识别非法集资活动，主要看主体资格是否合法，以及其从事的集资活动是否获得相关的批准；
是否是向社会不特定对象募集资金；
是否承诺回报，非法集资行为一般具有许诺一定比例集资回报的特点；
是否以合法形式掩盖其非法集资的性质。

　　三要增强理性投资意识。高收益往往伴随着高风险，不规范的经济活动更是蕴藏着巨大风险。因此，一定要增强理性投资意识，依法保护自身权益。

　　四要增强参与非法集资风险自担意识。非法集资是违法行为，参与者投入非法集资的资金及相关利益不受法律保护。因此，当一些单位或个人以高额投资回报兜售高息存款、股票、债券、基金和开发项目时，一定要认真识别，谨慎投资。

形考任务2 讨论题目：你认为央行降准意味着什么？是利好吗？谈谈你的看法 1.去银行存钱，利息变少了。

此次央行降息, 1年期的存款基准利率下调0.25个百分点至1.75%,意味我们以后去银行存款,利息会减少,比如:50万元存银行1年定期利息就整整少了1250元(50万*0.25%)。

2.商业贷款和公积金贷款利率均下降,房贷压力小了。

一般来说,公积金贷款和商业房产的贷款,还款利率是跟央行的基准利率挂钩的，因此,此番基准利率的降低对于-一些想要买房的个人和家庭来说,房贷压力变小了,比如买房时商业贷款100万,贷款期限30年,利用等额本息还款法,降息后每月月供臧少260元左右,总利息共减少了9万元左右。

3.生活消费更加活跃。

降息,意味着利息可能减少,使银行的存款流转到消费和投资方面。单从消费方面来看,国家统计局曾对中国消费者信息的调查显示,2014年10月城市和农村消费者信息指数分别为102和106.9。

通过此次降息会促进消费,预计消费者信息指数在未来会有所上升,这也有利于经济总体向上发展。

4.民众理财会有更多选择。

央行降息直接影响到投资产品,利好较大的主要有房地产、水泥建材钢铁等资产负债率较高或资金流动性压力较大的行业;其次对股市和债券市场也利好,但要提醒大家,股市和债券风险仍不可忽视。在家庭资产配置方面,稳健的理财方面的投资也不可少,除了优选定存、国债,还可以选择固定收益类产品,风险低,投资收益也不错。

5.贷款环境宽松,创业投资更容易。

降息，银行放松了贷款要求,民众贷款更加容易,贷款的成本也降低了,获得了财务支持,会使得更多具有能力的人,更愿意去创业去做投资来获得更多的经济收入。虽说降息后民众从银行贷款更容易,贷款的金额也放宽,但是银行的贷款审批流程一-直很复杂 ,意味着民众也并非那么容易贷到款。

6.为啥降息贝降准? 此次降低贷款及存款基准利率,主要目的是继续发挥好基准利率的引导作用,促进降低社会融资成本,支持实体经济持续健康发展。促进金融机构贷款利率和各类市场利率继续下行,巩固前期宏观调控的政策效果。

是利好吗? 央行降准对于股市来说,确实是利好消息,但是这一利好影响有限。

降息和降准的区别在于:前者是降低资金成本,而后者是释放流动性。降准释放的流动性主要是在银行系统,也会有部分资金流到股市,增加股市的增量资金。

此外,如果经济持续表现不佳,央行宽松的节奏可能会加快,不排除再次降息降准的可能。

降准对银行而言, 降准最大的利好在于可贷规模比例。

降准的话会形成释放流动性的预期,股市就会流进资金,形成利好。降准长期效用比短期作用更明显。

降准意味着央行的货币政策有宽松的预期。A股市的上涨大多是资金推动型的,资金面的宽松给股市的上涨提供弹药充足的预期,货币宽松会扶持或者刺激实体经济,改善人们对未来股市的预期。降准对银行股是利好直接。

形考任务3 选择题（有单选题，也有多选题，共有4题，每题5分，共20分）
题目1 单选题：某公司采购员萧某需要携带2万元金额的支票到某市工业区采购样品。支票由王某负责填写，由某公司财务主管加盖了财务章及财务人员印鉴，收款人一栏授权萧某填写。这一切有支票存根上记录为证。萧某持票到某市工业区某私营企业中购买了2万元各类工业样品。该私营企业负责人李某为萧某的朋友，见支票上字迹为萧某所为，于是以资金周转困难为由，要求萧某帮忙将支票上金额改成22万元用于暂时周转。萧某应允，在改动过程中使用了李某提供的“涂改剂”，故外观不露痕迹。尔后，李某为支付工程款将支票背书给了某建筑工程公司。此事败露后，某公司起诉某建筑工程公司及李某，要求返还多占用的票款。问：本案中萧某的行为在票据法上属于什么性质的行为? 选择一项：
A. 票据伪造 B. 证券诈骗 C. 票据变造 D. 伪造证券 题目2 多选题：某公司采购员萧某需要携带2万元金额的支票到某市工业区采购样品。支票由王某负责填写，由某公司财务主管加盖了财务章及财务人员印鉴，收款人一栏授权萧某填写。这一切有支票存根上记录为证。萧某持票到某市工业区某私营企业中购买了2万元各类工业样品。该私营企业负责人李某为萧某的朋友，见支票上字迹为萧某所为，于是以资金周转困难为由，要求萧某帮忙将支票上金额改成22万元用于暂时周转。萧某应允，在改动过程中使用了李某提供的“涂改剂”，故外观不露痕迹。尔后，李某为支付工程款将支票背书给了某建筑工程公司。此事败露后，某公司起诉某建筑工程公司及李某，要求返还多占用的票款。本案应如何处理? 请在下列答案中做出选择。

选择一项或多项：
A. 李某向建筑公司承担被追索20万元的义务 B. 萧某、李某应赔偿20万元给某公司 C. 某公司对某建筑公司只应承担2万元的票据责任 D. 建议主管机关依法终究萧某和李某的行政责任 题目3 多选题：案情：2011年3月20日，中国农业银行甲分行签发了两张银行承兑汇票，金额各为500万元，共计1000万元，付款人为乙公司，承兑到期日为2011年6月1日。在承兑汇票即将到期时，乙公司又与甲分行协商再贷款1600万元，用以归还承兑汇票。同年5月23日，甲分行与乙公司、丙证券营业部签订一份保证借款合同，约定：甲分行贷给乙公司1600万元，借款月利率为12‰，借款期限自2011年6月1日至2012年5月31日止；
丙证券营业部作为保证人，就全部借款本息及违约责任承担连带保证责任。合同签订次日，甲分行将1600万元划入乙公司账户，随后又以特转方式划付1000万元至其承兑账户，充抵了乙公司的两张500万元银行承兑汇票。贷款到期后，甲分行多次向乙公司和丙证营业部发出催款通知书，但均未获偿还，遂于2012年8月19日提出诉讼，请求乙公司、丙证券营业部、丁证券有限公司武汉分公司偿还借款本息及由此造成的一切损失。另查：丙证券营业部于2007年5月13日领取企业法人营业执照，系隶属丁证券有限公司武汉分公司的非法人企业分支机构。本案例中，主合同和担保合同是否有效（ ）。

选择一项或多项：
A. 担保合同有效 B. 主合同有效 C. 担保合同无效 D. 主合同无效 题目4 单选题：案情：2011年3月20日，中国农业银行甲分行签发了两张银行承兑汇票，金额各为500万元，共计1000万元，付款人为乙公司，承兑到期日为2011年6月1日。在承兑汇票即将到期时，乙公司又与甲分行协商再贷款1600万元，用以归还承兑汇票。同年5月23日，甲分行与乙公司、丙证券营业部签订一份保证借款合同，约定：甲分行贷给乙公司1600万元，借款月利率为12‰，借款期限自2011年6月1日至2012年5月31日止；
丙证券营业部作为保证人，就全部借款本息及违约责任承担连带保证责任。合同签订次日，甲分行将1600万元划入乙公司账户，随后又以特转方式划付1000万元至其承兑账户，充抵了乙公司的两张500万元银行承兑汇票。贷款到期后，甲分行多次向乙公司和丙证营业部发出催款通知书，但均未获偿还，遂于2012年8月19日提出诉讼，请求乙公司、丙证券营业部、丁证券有限公司武汉分公司偿还借款本息及由此造成的一切损失。另查：丙证券营业部于2007年5月13日领取企业法人营业执照，系隶属丁证券有限公司武汉分公司的非法人企业分支机构。本案例中，丙证券营业部应承担的赔偿责任是（ ）。

选择一项：
A. 600万元 B. 不超过300万元 C. 1600万元 D. 1000万元 形考任务4 选择题（有单选题，也有多选题，共有4题，每题2.5分，共10分）
题目1 （多选）甲公司、乙有限公司、丙公司、丁有限公司集中资金，利用627个个人股票账户及3个法人股票账户，大量买入“深锦兴”股票。持仓量从1998年10月5日的53万股，占流通股的1.52%,到最高时2000年1月12日的3001万股，占流通股的85%。同时，还通过其控制的不同股票账户，以自己为交易对象，进行不转移所有权的自买自卖，影响证券交易价格和交易量，联手操纵股票价格。截至2001年2月5日，上述四家公司控制的627个个人股票账户及3个法人股票账户共实现盈利4.49亿元，股票余额77万元股。请问上述四家公司的行为属于什么性质的行为？ 选择一项或多项：
A. 虚假陈述 B. 操纵市场 C. 内幕交易 D. 法人以个人名义开立账户 题目2 （多选）A公司为上市公司，甲某为A公司董事会秘书。甲某于2010年10月24日、11月2日分别以4.48元及4.04元的价格买入A公司流通股100000股与150000股，并于次年1月10日以4.53元的价格全部卖出，共获利78500元。甲某在买入公司股票之时，未按公司章程规定以任何形式向公司进行申报。以下表述正确的是（ ）。

选择一项或多项：
A. 如果董事会没有将甲某因买卖股票所得收益收归公司所有，A公司的股东可以要求董事会执行，而无权直接以自己的名义提起诉讼 B. 董事会无权将甲某因买卖股票获得的收益收归公司所有 C. 如果董事会没有将甲某因买卖股票所得收益收归公司所有，A公司的股东可以要求董事会执行，30日内没有执行，股东可以直接以自己的名义提起诉讼 D. 董事会应当将甲某因买卖股票获得的收益收归公司所有 题目3 （多选）王某购得一辆夏利轿车准备作为出租车使用，并向保险公司投保了车辆损失险和第三者责任险，保险期限为一年，并交付了全部保险费。投保后两个月，王某的汽车被盗，王某立即向当地公安机关报了案。不久，市交通部门通知王某，他的车在某区超速驾驶，撞伤一名行人后司机弃车逃跑。该行人被送入医院治疗，其家属要求王某赔偿全部医疗费用以及其他相关费用。王某立即将事故通知了保险公司，并向保险公司要求支付该笔款项以及其车辆本身由于窃贼不良使用造成的部分损失。保险公司经过调查后认为，王某的汽车被盗后，窃贼肇事并致人损伤的事实，不属于《机动车辆保险条款》中规定的第三者责任险的范围，保险公司对此不负赔偿责任，只能理赔王某车辆损失的部分。以下表示正确的是（ ）。

选择一项或多项：
A. 保险公司需要对此次事故造成的第三者损失负赔偿责任 B. 保险公司不需要对此次事故造成的第三者损失负赔偿责任 C. 本案的主要责任人是王某 D. 本案的主要责任人是窃贼 题目4 （单选）某企业与保险公司签订一份财产保险合同，保险标的为该企业的厂房和设备，保险费50万元。合同生效后第3个月，该企业谎称厂房内的设备被盗，向保险公司提出赔偿请求。依法律规定，保险公司解除了保险合同，对50万元保险费的正确处理办法是（ ）。

选择一项：
A. 只退还减去3个月后剩余部分的保险费 B. 不退还全部保险费 C. 应退还全部保险费 D. 应退还保险费及利息 题目5 （多选）甲某于2011年2月1日与A保险公司订立健康保险合同，保险金额为100万元，指定其女儿——未成年人乙某为受益人，并交付首期保险年费。同年8月23日，甲某突发疾病，入院经查发现患有胃癌，后因治疗无效死亡。受益人乙某提出索赔，A保险公司称甲某于2年前已经知道自己患有胃病，并曾于当年的10月8日在某医院门诊治疗过，而在投保单的“被保险人告之事项”中，甲某就“您现在是否患有或曾经患有或接受治疗或自觉有以下症状：胃部疾病”的询问的回答为“否”，就“过去10年内，您是否曾经患疾病或在任何医院、诊所接受治疗”的询问的回答亦为“否”。因此，A保险公司以投保人有不如实告知事实行为为由，决定解除保险合同，不予给付保险金。乙某向法院提起诉讼，请求A保险公司支付保险金100万元。以下表述正确的是（ ）。

选择一项或多项：
A. 甲某对A保险公司不负如实告知的义务 B. A保险公司无权解除合同，并应承担给付保险金的责任 C. A保险公司有权解除合同，并无须承担给付保险金的责任 D. 甲某对A保险公司有如实告知的义务 形考任务5 网上学习行为表现打分。

网上学习行为表现评价方式：辅导教师可以根据学生浏览资源情况，参与讨论情况，完成章自测情况等综合评定，对学生的学习行为进行打分。

《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）