safely2015年12月英语六级模拟题及答案(1)

2021年1月8日发(作者：蔡启瑞)
Part I Writing.

Directions: For this part, you are allowed 30 minutes to write a short
essay entitled The Civil Servant Test Craze. Your essay should start with a
brief description of the picture. You should write at least 150 words but
no more than 200 words.
Part III Reading Comprehension (40
minutes)
回答36-45题：
Women with low literacy suffer disproportionately more than men,
encountering more 36_________ in finding a well-paying job and being
twice as likely to end up in the group of lowest wage earners, a study
released on Wednesday said.
Analysis by the Institute for Women's Policy Research (IWPR. found
women at all levels of 37_________ tend to earn less than men, but it's at
the lowest literacy levels that the wage gap between genders is most
striking.
Women with low literacy are twice as 38_________ as men at the same
skill level to be among the lowest earners, bringing in $$300 a week or less,
the report said.

literacy and more skills really 39_________ a big difference,
Miller, a 40_________ research associate at IWPR and co-author of the
study.
Women need to go 41_________ in their training and education level
to earn the same as men, Miller said.
The 42_________ was based on 2009 National Assessment of Adult
Literacy surveys, the most recent data 43_________ , and focused on
reading skills, not writing and numeric literacy. That data was 44_________
from a nationally representative sample of 19,714 people aged 16 and
older, living in households or prisons.
Data showed about one-third of American adults have low literacy
levels, and more than 36 percent of men and 33 percent of women fall
into that 45_________ , the institute said.
A. pattern
B. senior
C. longer
D. difficulties
E. category
F. collected
G. positions
H. available
I. conducted
J. independent
K. literacy
L. analysis
M. likely
N. further
O. makes
Section B
Directions: In this section, you are going to read a passage with ten
statements attached to it. Each statement contains information given in
one of the paragraphs. Identify the paragraph from which the
information is derived.
You may choose a paragraph more than once. Each paragraph is
marked with a letter. Answer the questions by marking the
corresponding letter on Answer Sheet 2.
回答46-55题：
A) The legislation concerning financial reform focuses on helping
regulators detect and defuse (减少....的危险性) the next crisis. But it
doesn't address many of the underlying conditions that can cause
problems.
B) The legislation gives regulators the power to oversee shadow
banks and take failing firms apart, convenes a council of superregulators
to watch the megafirms that pose a risk to the full financialsystem, and
much else.
C) But the bill does more to help regulators detect the next financial
crisis than to actually stop it from that way, it's like the
difference between improving public health and improving medicine:
The bill focuses on helping the doctors who figure out when you're sick
and how to get you better rather than on the conditions (sewer systems
and air quality and hygiene standards and so on) that contribute to
whether you get sick in the first place.
D) That is to say, many of the weaknesses and imbalances that led to
the financial crisis will survive our regulatory response, and it's important
to keep that in mind. So here are five we still have to watch out for:
1. The Global Glut (供过于求) of Savings
E)
a sustained surge in money flowing into the country which makes
borrowing cheaper and easier,
Our crisis was no different: Between 1987 and 1999, our current account
deficit--the measure of how much money is coming in versus going
out--fluctuated between 1 and 2 percent of gross domestic product. By
2006, it had hit 6 percent.
F) The sharp rise was driven by emerging economies with lots of
growth and few investment opportunities-think China-funneling their
money to developed economies with less growth and lots of investment
opportunities. But we've gotten out of the crisis without fixing it. China is
still growing fast, exporting faster, and sending the money over to US.
2. Household Debt-and Why We Need It
G) The fact that money is available to borrow doesn't explain why
Americans borrowed so much of it. Household debt as a percentage of
GDP went from a bit less than 60 percent at the beginning of the 1990s
to a bit less than 100 percent in 2006.
inequality,
Chicago.
over the 1980s and 1990s. Credit was so welcome because it kept people
who were falling behind reasonably happy. You were keeping up, even if
your income wasn't.
H) Incomes, of course, are even more stagnant now that
unemployment is at 9 percent. And that pain isn't being shared equally:
inequality has actually risen since before the recession, as joblessness is
proving sticky among the poor, but recovery has been swift for the rich.
Household borrowing is still more than 90 percent of GDP, and the
conditions that drove it up there are, if anything, worse.
3. The
I) The financial crisis started out similarly severe, but it wasn't, at first,
a crisis of consumers. It was a crisis of banks. It never became a crisis of
consumers because consumer deposits are insured. But large
investors-pension funds, banks, corporations, and others--aren't insured.
But when they hear that their collateral ( 附属担保品 ) is dropping in
value, they demand their money back. And when everyone does that at
once, it's like an old-fashioned bank run: The banks can't pay everyone
off at once, so they unload all their assets to get capital, the assets
become worthless because everyone is trying to unload them, and the
banks collapse.
J)
Gary Gorton, an economist at Princeton University.
these kinds of runs.
system under the control of regulators and giving them all sorts of
information on it and power over it, but we're not doing anything like
deposit insurance, where we simply make the deposits safe so runs
become an anachronism.
4. Rich Banks
K) In the 1980s, the financial sector's share of total corporate profits
ranged from about 10 to 20 percent. By 2004, it was about 35 percent.
Simon Johnson, an economist at MIT, recalls a conversation he had with
a fund manager.
can sway senators for $$10 million!?'后悔地).

billions.
L) What you get for that money is favors. The last financial crisis
fades from memory and the public begins to focus on other things. Then
the finance guys begin nudging (游说). They hold some fundraisers for
politicians, make some friends, explain how the regulations they're under
are onerous and unfair. And slowly, surely, those regulations come
undone. This financial crisis will stick in our minds for a while, but not
forever. And after briefly dropping to less than 15 percent of corporate
profits, the financial sector has rebounded to more than 30 percent.
They'll have plenty of money with which to help their friends forget this
whole nasty affair.
5. Lax ( 不严格的) Regulators
M ) The most troubling prospect is the chance that this bill, if we'd
passed it in 2000, wouldn't even have prevented this financial crisis.
That's not to undersell it: It would've given regulators more information
with which to predict the crisis. But they had enough information, and
they ignored it. They get caught up in boom times just like everyone else.
A bubble, almost by definition, affects the regulators with the power to
pop it.
N) In 2005, with housing prices running far, far ahead of the
historical trend, Bemanke said a housing bubble was
possibility
spillovers from the subprime market to the rest of the economy.
Greenspan, looking back at the financial crisis, admitted in April that
regulators
they cannot identify the timing of a crisis, or anticipate exactly where it
will be located or how large the losses and spillovers will be.
46、In the 1980s and 1990s people experienced no substantial
increase in terms of income, which brought about the popularity of
credit.
47、Financial crisis is a crisis of banks in that shadow banking may
cause banks to fail.
48、The finance guys make friends with politicians in the hope of
making some burdensome and unfair regulations cancelled.
49、The legislation concerning financial reform offers regulators the
power of supervising shadow banks and disintegrating companies on
the verge of bankruptcy.
50、In terms of the effect of unemployment, it is more deeply felt by
the poor than by the rich.
51、Even if there was enough information to predict there would be
financial crisis, the regulators still chose to ignore it.
52、Emerging economies with insufficient investment opportunities
have invested much money in developed countries.
53、Regulators with power tended to fail again and again concerning
forecasting a financial crisis.
54、A fund manager or large investor is considered absurdly rich by
an economist from MIT.
55、Large investors' deposits can be made safer if shadow banking
system is under the control of regulators.
Section C
Directions: There are 2 passages in this section. Each passage is
followed by some questions or unfinished statements. For each of them
there are four choices marked A), B), C) and D ). You should decide on
the best choice and mark the corresponding letter on Answer Sheet 2
with a single line through the centre.