问题 阅读理解

Bikes are popular in the Dutch(荷兰). In fact, nearly half of all travel in the Dutch is by bike. Now, one Dutch bike designer(设计师), Thomas, has taken the country’s interest in bikes by making a school bus bike.

The big bike has eight sets of pedals(踏板) for kids, a driver seat for an adult, and three other seats, comfortably letting little kids for their trip to and from school. The bike even has a motor, which can help with high hills or at times when few kids on it.

So far, Thomas tells Fast Company, he’s sold 25 school-bikes, at a price of $ 25,000 each—less than it would cost to buy a traditional school bus with the same number of seats. Along with the traditional color, the bikes ,are colored yellow so that they can be seen easily.

Thomas says he’s sold school bus bikes to neighboring countries such as Belgium, England and Germany, but so far, the school bus bike hasn’t been sold in the United States. If the U.S. agrees to buy this kind of school bus bike, it could do a lot of good to improve exercise for a young age and help them keep healthy.

小题1:How do people in the Dutch usually go to work?

A.By car.

B.By bus.

C.By bike.

D.On foot.小题2:How many seats does the school bus bike have?

A.Three.

B.Eight.

C.Nine.

D.Twelve.小题3:The school buses are yellow in the Dutch because _______.

A.the color yellow is easy to paint

B.yellow buses can be seen easily

C.yellow is the national color of Dutch

D.it’s the designer’s favorite color小题4:Which country of the following hasn’t bought a school bus bike?

A.America.

B.Germany.

C.England.

D.Belgium.小题5: Which of the following is TRUE?

A.Thomas made a new kind of school bus.

B.A school bus usually costs $ 25,000.

C.Thomas sold bikes to Asian countries.

D.Riding school bus bikes helps keep kids healthy.

答案

小题1:C

小题2:D

小题3:B

小题4:A

小题5:D

题目分析:荷兰是一个热爱自行车的国家,近日一名自行车设计师设计出了一辆“自行车校车”。该车设计12座,颜色为黄色,畅销荷兰的邻国。不仅可以带孩子上学,经常骑,还可以锻炼身体。

小题1:细节理解题。根据 “In fact, nearly half of all travel in the Dutch is by bike. ”可知荷兰人一半都选择骑自行车出行。故选C。

小题2:细节理解题。根据“The big bike has eight sets of pedals(踏板) for kids, a driver seat for an adult, and three other seats, comfortably letting little kids for their trip to and from school. ”可知一共有12个位子。故选 D。

小题3:细节理解题。根据 “Along with the traditional color, the bikes ,are colored yellow so that they can be seen easily.” 可知黄色的车辆便于辨认。故选B。

小题4:细节理解题。根据“Thomas says he’s sold school bus bikes to neighboring countries such as Belgium, England and Germany, but so far, the school bus bike hasn’t been sold in the United States. ”可知这种自行车校车没有卖给美国。故选 A。

小题5:细节理解题。根据“ it could do a lot of good to improve exercise for a young age and help them keep healthy.” 可知自行车校车有助于孩子们保持健康。故选D。

问答题

案例三 客户基本资料:韩先生35岁,是一家合伙企业的合伙人。2006年,他与同岁的刘女士结婚,婚后刘女士做了全职太太。韩先生目前月薪1万元(税前),年终奖金15万元(税前),没有任何社保,二人过着较为宽裕的生活。2005年回国之初,韩先生贷款购买了一套50平米的酒店式公寓,价款50万元,20%的首付,采用等额本息还款方式,贷款期限为15年,利率为5.31%。婚后二人感觉生活空间狭小,于是在2007年1月购买了另一套价值120万元100平米精装修的住房,三成首付后,其中30万采用公积金等额本息贷款方式,贷款利率4.85%,贷款期限为20年;其余采用等额本金贷款方式,利率5.81%,贷款期限同样为20年。搬入新家后,原来的酒店式公寓用于出租,租金每月2000元。随着房价的上涨,目前这套酒店式公寓已升值至65万元。随着韩先生家庭收入的增多,支出也在增加。2006年初,韩先生购入了一部价值20万元的轿车,每月的养车费用1000元。韩先生一家基本生活支出每月2000元;韩太太每年的护肤美容支出8000元;家庭每年健身支出4000元。二人每年一次的旅游支出花费10000元。此外,韩先生由于应酬较多,各种应酬开支每月2000元;孝敬双方父母每月1000元。韩先生工作较为繁忙,很少有时间顾及到家庭理财状况,而刘女士对理财又知之甚少,2007年初,听朋友介绍,购买了20万元的股票,由于操作不当,到年底只剩15万元。但刘女士购买的30万元的股票型基金,倒是盈利2万元。此外,韩先生家庭有活期存款5万元,定期存款20万元,国债20万元。韩先生家庭需要理财规划师为其解决的理财问题主要有:1、2008年3月,二人的奥运宝宝康康出生,一家人在高兴的同时,也开始为儿子的未来做打算。韩先生对儿子寄予了很高的期望,希望他能接受最好的教育,并打算让儿子18年后出国读本科。综合考虑国外的学费及生活费用,需要为儿子留出80万的大学费用。假设投资报酬率为5%。2、韩先生二人都没有购买任何商业保险,韩先生考虑到刘女士不工作,一旦他发生意外,家庭生活将成问题,因此考虑购买一定的商业保险。3、韩先生夫妇打算55岁可以退休享受生活,二人预计寿命为85岁,考虑到通货膨胀及各种旅游休闲开支,以7%的投资报酬率,到55岁共需养老费用250万元。4、韩先生虽然收入较多,但每月的房贷让韩先生感到压力很大,考虑到以后的退休与孩子的教育,韩先生十分担心,希望理财规划师能为其做一个合理的规划,帮其改善家庭债务状况。5、能保持家庭良好的现金流动性。提示:信息收集时间为2007年12月31日。不考虑存款利息收入。不考虑房租需缴纳的个人所得税。月支出均化为年支出的十二分之一。工资薪金所得的免征额为1,600元。不考虑折旧计算过程保留两位小数,计算结果保留到整数位。

客户财务状况分析:(26分)(1)编制客户资产负债表(计6分,住房贷款项目:2分)

(2)编制客户现金流量表(计8分,韩先生收入:2分:房屋按揭还贷:2分)。现金流量表 单位:元 表-2

(3)客户财务状况的比率分析(至少分析四个比率,以百分数表示,保留到整数位)(6分)。①客户财务比率表(2分)

②客户财务比率分析(4分);(4)客户财务状况预测(3分)(5)客户财务状况总体评价(3分)

单项选择题