问题 多项选择题

下列关于子女教育信托优点的说法,正确的是()。

A.子女教育信托具有强制储蓄的特性

B.子女教育信托可以使教育金由专人管理、投资,增加收益率

C.信托拥有风险隔离的特点

D.托财产既不属于委托人所有,也不完全属于受托人所有,因此无论委托人发生什么样的突发情况,都不会影响子女的教育金,这是子女教育信托最为突出的特点

E.子女教育信托不具有强制储蓄的优点

答案

参考答案:A, B, C, D

解析:子女教育信托是由父母设立,以子女教育金为信托财产的个人信托品种。这一信托品种的主要意义在于将子女教育金处于信托保护状态,防止家庭财务危机对子女教育造成不利影响。除此之外,受托人对教育金的直接管理还可以防止受益人对资金的滥用。对于人数不少的海外留学青少年而言,这一信托品种具有突出的意义。青少年往往还不具备足够的自控能力,如果他们直接拥有大量资金将是一种巨大的风险,将教育资金置于信托之中则可以解决此类问题。子女教育信托的优点有:第一,子女教育信托具有强制储蓄的特性。第二,子女教育信托可以使教育金由专人管理、投资,增加收益率。第三,如果只是依靠储蓄作为积累教育金的方法,一旦发生债务危机,存款会被用来还债,那么未来子女的教育问题将会面临困难。

单项选择题

The topic of cloning has been a politically and ethically controversial one since its very beginning. While the moral and philosophical aspects of the issues are entirely up to the interpretation of the individual, the application of cloning technology can be studied objectively. Many in the scientific community advocate the use of cloning for the preservation and support of endangered species of animals, which aside from cloning, have no other practical hope for avoiding extinction.

The goal of the use of cloning to avoid extinction is the reintroduction of new genes into the gene pool of species with few survivors, ensuring the maintenance and expansion of genetic diversity. Likely candidates for this technique are species known to have very few surviving members, such as the African Bongo Antelope, the Sumatran Tiger, and the Chinese Giant Panda. In the case of Giant Panda, some artificial techniques for creating offspring have already been performed, perhaps paving the way for cloning as the next step in the process.

With the estimated population of only about 1000 Giant Pandas left in the world, the urgency of the situation has led to desperate measures. One panda was born through the technique of artificial insemination in the San Diego Zoo in the United States. "Hua Mei" was born in 1999 after her parents, Hsing-Hsing and Ling-Ling, had trouble conceiving naturally.

The plan to increase the Giant Panda population through the use of cloning involves the use of a species related to the Giant Panda, the American Black Bear. Egg cells will be removed from female black bears and then fertilized with Panda cells such as those from Ling-Ling or Hsing-Hsing. The fertilized embryo will then re-implanted into the black bear, where it will grow and mature, until a new panda is delivered from the black bear host.

Critics of cloning technology argue that the emphasis on cloning as a method by which to preserve species will draw funding away from other methods, such as habitat preservation and conservation. Proponents of cloning counter that many countries in which many endangered species exist are too poor to protect and maintain the species’ habitats anyway, making cloning technology the only practical way to ensure that those species survive to future generations. The issue is still hotly debated, as both sides weigh the benefits that could be achieved against the risks and ethical concerns that constantly accompany any argument on the issue. (402 words)

Notes: ethically 道德上。gene pool 基因库。insemination n.受精。fertilize 使受精。embryo 胚胎。proponent支持者,拥护者。weigh A against B权衡A和B的利弊。

Paragraph 4 is written in order to()

A. detail the process by which cloning in the panda population has been executed in the past

B. guide the reader to consider the possibility of cloning in restoring the panda population

C. demonstrate that the use of cloning to repopulate the panda species is a feasible goal

D. inform the reader of how cloning would be carried out in the panda population

单项选择题