职称英语考试综合类阅读理解练习题（7）
<p> <span word="When">When</span> <span word="IBM">IBM</span> <span word="announced">announced</span> <span word="an">an</span> <span word="overhaul">overhaul</span> <span word="of">of</span> <span word="its">its</span> <span word="pension">pension</span> <span word="plan">plan</span> <span word="for">for</span> <span word="employees">employees</span> <span word="in">in</span> <span word="America">America</span> <span word="last">last</span> <span word="week">week</span>, <span word="it">it</span> <span word="joined">joined</span> <span word="a">a</span> <span word="parade">parade</span> <span word="of">of</span> <span word="employers">employers</span> <span word="that">that</span> <span word="are">are</span> <span word="shifting">shifting</span> <span word="more">more</span> <span word="responsibility">responsibility</span> <span word="for">for</span> <span word="saving">saving</span> <span word="for">for</span> <span word="retirement">retirement</span> <span word="on">on</span> <span word="to">to</span> <span word="workers">workers</span>. <span word="For">For</span> <span word="many">many</span> <span word="Americans">Americans</span>, <span word="of">of</span> <span word="course">course</span>, <span word="this">this</span> <span word="is">is</span> <span word="nothing">nothing</span> <span word="new">new</span>: <span word="millions">millions</span> <span word="of">of</span> <span word="them">them</span> <span word="have">have</span> <span word="been">been</span> <span word="managing">managing</span> <span word="their">their</span> <span word="retirement">retirement</span> <span word="assets">assets</span> <span word="in">in</span> <span word="individual">individual</span> <span word="accounts">accounts</span> <span word="for">for</span> <span word="years">years</span>. <span word="Nevertheless">Nevertheless</span>, <span word="in">in</span> <span word="both">both</span> <span word="America">America</span> <span word="and">and</span> <span word="Britain">Britain</span> <span word="the">the</span> <span word="closure">closure</span> <span word="of">of</span> <span word="paternalistic">paternalistic</span> <span word="corporate">corporate</span> <span word="defined">defined</span> <span word="benefit">benefit</span> <span word="programmes">programmes</span>, <span word="in">in</span> <span word="which">which</span> <span word="pensions">pensions</span> <span word="depend">depend</span> <span word="on">on</span> <span word="earnings">earnings</span> <span word="and">and</span> <span word="years">years</span> <span word="of">of</span> <span word="service">service</span>, <span word="is">is</span> <span word="acceleratingeven">acceleratingeven</span> <span word="at">at</span> <span word="healthy">healthy</span> <span word="companies">companies</span> <span word="such">such</span> <span word="as">as</span> <span word="IBM">IBM</span>. <span word="To">To</span> <span word="the">the</span> <span word="extent">extent</span> <span word="that">that</span> <span word="this">this</span> <span word="creates">creates</span> <span word="and">and</span> <span word="encourages">encourages</span> <span word="individual">individual</span> <span word="choice">choice</span> <span word="and">and</span> <span word="responsibility">responsibility</span>, <span word="it">it</span> <span word="is">is</span> <span word="something">something</span> <span word="to">to</span> <span word="welcome">welcome</span> <span word="rather">rather</span> <span word="than">than</span> <span word="to">to</span> <span word="fear">fear</span>. <span word="Many">Many</span> <span word="other">other</span> <span word="countries">countries</span>, <span word="facing">facing</span> <span word="huge">huge</span> <span word="statepension">statepension</span> <span word="obligations">obligations</span>, <span word="would">would</span> <span word="also">also</span> <span word="like">like</span> <span word="to">to</span> <span word="see">see</span> <span word="their">their</span> <span word="citizens">citizens</span> <span word="assume">assume</span> <span word="a">a</span> <span word="bigger">bigger</span> <span word="role">role</span> <span word="in">in</span> <span word="providing">providing</span> <span word="for">for</span> <span word="their">their</span> <span word="own">own</span> <span word="retirement">retirement</span>. <span word="Even">Even</span> <span word="so">so</span>, <span word="the">the</span> <span word="trend">trend</span> <span word="raises">raises</span> <span word="an">an</span> <span word="important">important</span> <span word="question">question</span>: <span word="how">how</span> <span word="much">much</span> <span word="do">do</span> <span word="people">people</span> <span word="due">due</span> <span word="to">to</span> <span word="take">take</span> <span word="on">on</span> <span word="these">these</span> <span word="new">new</span> <span word="responsibilities">responsibilities</span> <span word="know">know</span> <span word="about">about</span> <span word="basic">basic</span> <span word="financial">financial</span> <span word="concepts">concepts</span>? <span word="The">The</span> <span word="answer">answer</span> <span word="seems">seems</span> <span word="to">to</span> <span word="be">be</span>; <span word="not">not</span> <span word="much">much</span>, <span word="and">and</span> <span word="less">less</span> <span word="than">than</span> <span word="they">they</span> <span word="think">think</span> <span word="they">they</span> <span word="do">do</span>. <span word="Studies">Studies</span> <span word="show">show</span> <span word="that">that</span> <span word="many">many</span> <span word="people">people</span> <span word="overestimate">overestimate</span> <span word="their">their</span> <span word="knowledge">knowledge</span> <span word="of">of</span> <span word="everything">everything</span> <span word="from">from</span> <span word="inflation">inflation</span> <span word="to">to</span> <span word="risk">risk</span> <span word="diversification">diversification</span> <span word="and">and</span> <span word="compound">compound</span> <span word="interest">interest</span>. <span word="One">One</span> <span word="survey">survey</span> <span word="in">in</span> <span word="Australia">Australia</span> <span word="found">found</span> <span word="that">that</span> 37% <span word="of">of</span> <span word="people">people</span> <span word="who">who</span> <span word="owned">owned</span> <span word="investments">investments</span> <span word="did">did</span> <span word="not">not</span> <span word="know">know</span> <span word="that">that</span> <span word="they">they</span> <span word="could">could</span> <span word="fluctuate">fluctuate</span> <span word="in">in</span> <span word="value">value</span>. <span word="In">In</span> <span word="America">America</span> 31% <span word="did">did</span> <span word="not">not</span> <span word="know">know</span> <span word="that">that</span> <span word="the">the</span> <span word="finance">finance</span> <span word="charge">charge</span> <span word="on">on</span> <span word="a">a</span> <span word="credit">credit</span>-<span word="card">card</span>-<span word="statement">statement</span> <span word="is">is</span> <span word="what">what</span> <span word="they">they</span> <span word="pay">pay</span> <span word="to">to</span> <span word="use">use</span> <span word="credit">credit</span>. <span word="Britains">Britains</span> <span word="Financial">Financial</span> <span word="Services">Services</span> <span word="Authority">Authority</span> <span word="will">will</span> <span word="release">release</span> <span word="the">the</span> <span word="results">results</span> <span word="of">of</span> <span word="its">its</span> <span word="own">own</span> <span word="survey">survey</span> <span word="on">on</span> <span word="financial">financial</span> <span word="literacy">literacy</span> <span word="in">in</span> <span word="the">the</span> <span word="next">next</span> <span word="month">month</span> <span word="or">or</span> <span word="two">two</span>. <span word="Even">Even</span> <span word="educated">educated</span> <span word="professionals">professionals</span> <span word="may">may</span> <span word="know">know</span> <span word="the">the</span> <span word="basics">basics</span> <span word="but">but</span> <span word="see">see</span> <span word="no">no</span> <span word="need">need</span> <span word="to">to</span> <span word="keep">keep</span> <span word="up">up</span> <span word="to">to</span> <span word="datehaving">datehaving</span> <span word="no">no</span> <span word="idea">idea</span> <span word="of">of</span> <span word="the">the</span> <span word="interest">interest</span> <span word="rates">rates</span> <span word="on">on</span> <span word="their">their</span> <span word="credit">credit</span> <span word="cards">cards</span>, <span word="the">the</span> <span word="fees">fees</span> <span word="on">on</span> <span word="their">their</span> <span word="mutual">mutual</span> <span word="funds">funds</span> <span word="or">or</span> <span word="how">how</span> <span word="their">their</span> <span word="investments">investments</span> <span word="are">are</span> <span word="doing">doing</span>. <span word="But">But</span> <span word="in">in</span> <span word="both">both</span> <span word="America">America</span> <span word="and">and</span> <span word="Britain">Britain</span> <span word="low">low</span> <span word="personal">personal</span> <span word="saving">saving</span> <span word="rates">rates</span> <span word="and">and</span> <span word="record">record</span> <span word="numbers">numbers</span> <span word="of">of</span> <span word="personal">personal</span> <span word="bankruptcies">bankruptcies</span> <span word="do">do</span> <span word="not">not</span> <span word="bode">bode</span> <span word="well">well</span>. <span word="If">If</span> <span word="people">people</span> <span word="are">are</span> <span word="to">to</span> <span word="take">take</span> <span word="charge">charge</span> <span word="of">of</span> <span word="their">their</span> <span word="pensions">pensions</span>, <span word="shouldnt">shouldnt</span> <span word="they">they</span> <span word="know">know</span> <span word="a">a</span> <span word="little">little</span> <span word="more">more</span>? <span word="In">In</span> <span word="the">the</span> <span word="end">end</span>, <span word="ignorance">ignorance</span> <span word="could">could</span> <span word="rebound">rebound</span> <span word="on">on</span> <span word="governments">governments</span>: <span word="if">if</span> <span word="people">people</span> <span word="save">save</span> <span word="too">too</span> <span word="little">little</span> <span word="for">for</span> <span word="old">old</span> <span word="age">age</span>, <span word="the">the</span> <span word="state">state</span> <span word="may">may</span> <span word="have">have</span> <span word="to">to</span> <span word="provide">provide</span> <span word="for">for</span> <span word="them">them</span> <span word="willy">willy</span>-<span word="nilly">nilly</span>. <span word="Governments">Governments</span> <span word="are">are</span> <span word="taking">taking</span> <span word="this">this</span> <span word="very">very</span> <span word="seriously">seriously</span>. <span word="says">says</span> <span word="Barbara">Barbara</span> <span word="Smith">Smith</span> <span word="of">of</span> <span word="the">the</span> <span word="Organisation">Organisation</span> <span word="for">for</span> <span word="Economic">Economic</span> <span word="Co">Co</span>-<span word="operation">operation</span> <span word="and">and</span> <span word="Development">Development</span>, <span word="which">which</span> <span word="recently">recently</span> <span word="produced">produced</span> <span word="a">a</span> <span word="report">report</span> <span word="on">on</span> <span word="global">global</span> <span word="financial">financial</span> <span word="literacy">literacy</span>.<span word="Just">Just</span> <span word="this">this</span> <span word="week">week</span> <span word="the">the</span> <span word="British">British</span> <span word="govern">govern</span>- <span word="ment">ment</span> <span word="launched">launched</span> <span word="an">an</span> <span word="online">online</span> <span word="debt">debt</span> <span word="calculator">calculator</span> <span word="for">for</span> <span word="overstretched">overstretched</span> <span word="consumers">consumers</span> <span word="and">and</span> <span word="a">a</span> <span word="money">money</span>-<span word="management">management</span> <span word="course">course</span> <span word="for">for</span> <span word="teenagers">teenagers</span> <span word="that">that</span> <span word="will">will</span> <span word="be">be</span> <span word="offered">offered</span> <span word="in">in</span> <span word="schools">schools</span> <span word="across">across</span> <span word="the">the</span> <span word="country">country</span> <span word="later">later</span> <span word="this">this</span> <span word="year">year</span>. <span word="New">New</span> <span word="Zealand">Zealand</span> <span word="is">is</span> <span word="another">another</span> <span word="country">country</span> <span word="trying">trying</span> <span word="to">to</span> <span word="catch">catch</span> <span word="its">its</span> <span word="people">people</span> <span word="young">young</span>; <span word="one">one</span> <span word="official">official</span> <span word="financialinformation">financialinformation</span> <span word="website">website</span> <span word="there">there</span> <span word="includes">includes</span> <span word="an">an</span> <span word="online">online</span> <span word="game">game</span> <span word="on">on</span> <span word="Money">Money</span> <span word="Island">Island</span>. 1. <span word="It">It</span> <span word="is">is</span> <span word="informed">informed</span> <span word="in">in</span> <span word="the">the</span> <span word="text">text</span> <span word="that">that</span>__________. <span word="A">A</span>. <span word="IBM">IBM</span> <span word="cannot">cannot</span> <span word="help">help</span> <span word="but">but</span> <span word="overhaul">overhaul</span> <span word="its">its</span> <span word="pension">pension</span> <span word="plan">plan</span> <span word="B">B</span>. <span word="IBM">IBM</span> <span word="takes">takes</span> <span word="much">much</span> <span word="responsibility">responsibility</span> <span word="for">for</span> <span word="saving">saving</span> <span word="for">for</span> <span word="retirement">retirement</span> <span word="C">C</span>. <span word="workers">workers</span> <span word="will">will</span> <span word="assume">assume</span> <span word="more">more</span> <span word="financial">financial</span> <span word="responsibility">responsibility</span> <span word="for">for</span> <span word="their">their</span> <span word="old">old</span> <span word="age">age</span> <span word="D">D</span>. <span word="most">most</span> <span word="Americans">Americans</span> <span word="have">have</span> <span word="taken">taken</span> <span word="on">on</span> <span word="responsibility">responsibility</span> <span word="for">for</span> <span word="saving">saving</span> <span word="for">for</span> <span word="retirement">retirement</span> 2. <span word="Corporate">Corporate</span> <span word="defined">defined</span> <span word="benefit">benefit</span> <span word="programmes">programmes</span> <span word="will">will</span> <span word="come">come</span> <span word="to">to</span> <span word="an">an</span> <span word="end">end</span> <span word="primarily">primarily</span> <span word="because">because</span>________. <span word="A">A</span>. <span word="most">most</span> <span word="companies">companies</span> <span word="are">are</span> <span word="not">not</span> <span word="so">so</span> <span word="healthy">healthy</span> <span word="as">as</span> <span word="IBM">IBM</span> <span word="B">B</span>. <span word="it">it</span> <span word="can">can</span> <span word="help">help</span> <span word="companies">companies</span> <span word="relieve">relieve</span> <span word="their">their</span> <span word="pension">pension</span> <span word="obligations">obligations</span> <span word="C">C</span>. <span word="millions">millions</span> <span word="of">of</span> <span word="Americans">Americans</span> <span word="have">have</span> <span word="opened">opened</span> <span word="their">their</span> <span word="individual">individual</span> <span word="accounts">accounts</span> <span word="for">for</span> <span word="years">years</span> <span word="D">D</span>. <span word="more">more</span> <span word="factors">factors</span> <span word="should">should</span> <span word="be">be</span> <span word="taken">taken</span> <span word="into">into</span> <span word="consideration">consideration</span> <span word="for">for</span> <span word="a">a</span> <span word="healthy">healthy</span> <span word="pension">pension</span> <span word="plan">plan</span> 3. <span word="If">If</span> <span word="one">one</span> <span word="is">is</span> <span word="to">to</span> <span word="assume">assume</span> <span word="more">more</span> <span word="financial">financial</span> <span word="responsibility">responsibility</span>, <span word="he">he</span> <span word="should">should</span> <span word="have">have</span> <span word="more">more</span> <span word="knowledge">knowledge</span> <span word="about">about</span>_____. <span word="A">A</span>. <span word="risk">risk</span> <span word="diversification">diversification</span> <span word="B">B</span>. <span word="basic">basic</span> <span word="financial">financial</span> <span word="concepts">concepts</span> <span word="C">C</span>. <span word="how">how</span> <span word="much">much</span> <span word="he">he</span> <span word="pays">pays</span> <span word="to">to</span> <span word="use">use</span> <span word="credit">credit</span> <span word="D">D</span>. <span word="the">the</span> <span word="fluctuation">fluctuation</span> <span word="in">in</span> <span word="value">value</span> <span word="of">of</span> <span word="his">his</span> <span word="investment">investment</span> 4. <span word="It">It</span> <span word="can">can</span> <span word="be">be</span> <span word="inferred">inferred</span> <span word="from">from</span> <span word="the">the</span> <span word="text">text</span> <span word="that">that</span>________. <span word="A">A</span>. <span word="even">even</span> <span word="professionals">professionals</span> <span word="are">are</span> <span word="short">short</span> <span word="of">of</span> <span word="financial">financial</span> <span word="information">information</span> <span word="B">B</span>. <span word="personal">personal</span> <span word="saving">saving</span> <span word="rates">rates</span> <span word="will">will</span> <span word="no">no</span> <span word="doubt">doubt</span> <span word="increase">increase</span> <span word="remarkably">remarkably</span> <span word="C">C</span>. <span word="professionals">professionals</span> <span word="are">are</span> <span word="usually">usually</span> <span word="better">better</span> <span word="prepared">prepared</span> <span word="for">for</span> <span word="their">their</span> <span word="retirement">retirement</span> <span word="D">D</span>. <span word="there">there</span> <span word="will">will</span> <span word="be">be</span> <span word="less">less</span> <span word="personal">personal</span> <span word="bankruptcies">bankruptcies</span> <span word="in">in</span> <span word="both">both</span> <span word="America">America</span> <span word="and">and</span> <span word="Britain">Britain</span> 5. <span word="The">The</span> <span word="main">main</span> <span word="idea">idea</span> <span word="of">of</span> <span word="this">this</span> <span word="text">text</span> <span word="is">is</span> <span word="that">that</span>_________. <span word="A">A</span>. <span word="most">most</span> <span word="people">people</span> <span word="are">are</span> <span word="very">very</span> <span word="ignorant">ignorant</span> <span word="about">about</span> <span word="investment">investment</span> <span word="B">B</span>. <span word="individuals">individuals</span> <span word="should">should</span> <span word="have">have</span> <span word="more">more</span> <span word="choices">choices</span> <span word="and">and</span> <span word="responsibility">responsibility</span> <span word="C">C</span>. <span word="individuals">individuals</span> <span word="should">should</span> <span word="be">be</span> <span word="better">better</span> <span word="prepared">prepared</span> <span word="for">for</span> <span word="their">their</span> <span word="retirement">retirement</span> <span word="D">D</span>. <span word="government">government</span> <span word="should">should</span> <span word="provide">provide</span> <span word="official">official</span> <span word="financial">financial</span>-<span word="information">information</span> 参考答案：<span word="C">C</span> <span word="B">B</span> <span word="B">B</span> <span word="A">A</span> <span word="C">C</span></p>
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