问题 单项选择题

根据案例,完成下列问题。
张先生今年的年龄是36岁,他打算到65岁时退休。目前由于物价上涨较快,所以在进行投资规划时不得不考虑到通货膨胀因素。张先生预计退休后每年生活费需要12万元,并预计自己可以活到85岁,因为他认为自己的身体状况还是很好的。在进行投资规划时,他首先拿出10万元的银行储蓄作为他退休基金的启动资金,并打算每年年末投入一笔固定的资金,以保证退休后有足够的资金来消费。

假如王先生准备拿出20万元的启动资金进行退休规划,同时他的退休基金缺口为零,则他需要延长工作时间,他所要延长的工作时间为( )年。

A.1

B.2

C.3

D.4

答案

参考答案:B

解析: 使用财务计算器,注明按后付年金模式计算: 输入参数,I/Y=6.5%;PV=-20万;FV=150.58万,计算得到:N=2。

阅读理解

     Labor force is defined as being the total number of people who are available to work and earn

income. This definition includes everyone who is employed or seeking paid employment, so it includes

employers and the self-employed. Labor is one of the country's resources which can be combined with

other resources to produce the goods and services wanted by the community.

     Although the size of the workforce depends a great deal on the size of the total population, there are

several other influences which also affect it. The age distribution (分布) of the total population has a very

marked effect on the available workforce. If the population has a high proportion of very young people

or of those too old to work, then the available workforce would be lower than if there were a balanced

spread age distribution. If the population naturally grows rapidly, the number of births greatly exceeds

(超出) the number of deaths then as a total population increases proportion of the workforce declines.

     Sometimes a population is described as aging which means that the birth rate is either falling or

growing very slowly, and as people retire from the workforce there are insufficient numbers of young

people entering it to replace those who are leaving it. In that situation the population is top-heavy with

older people. So the percentage of the population in the workforce declines when there is either a rapid

increase in births or a falling birth rate.

     The age distribution of the population has several important effects on the economy. If the population

is aging and there is an increase in the number of people retiring without a corresponding increase in the

number entering the workforce, this raises the problem of the ability of the economy to provide a

reasonable level of social services to the retired group. If the aged are to be cared for in special homes,

finance must be available for that purpose. If the size of the workforce is small relative to the total

population, then the government tax revenue (税收) is relatively low and either the government has less

money available to it or the workforce members have to be taxed more heavily.

1. In the passage "labor force" is defined as ___________.

A. people who are available to work and earn income

B. self-employed people only

C. people who are looking for an employment

D. employers who create job opportunities

2. The conclusion which can be drawn from the second paragraph is that___________. 

A. a natural growth of population leads to a balanced workforce

B. a large population does not necessarily mean a higher proportion of workforce

C. the larger the population, the higher the proportion of the workforce

D. the workforce will be lower, if the population has a balanced age distribution

3. When a population is said to be aging, ___________.

A. there are more people retiring than those entering the workforce

B. the birth rate must be growing

C. there should be an oversupply of workforce

D. There are more people entering the workforce than those retiring

单项选择题