问题 选择题

2013年8月份,我国居民储蓄余额已连续三个月突破43万亿元,位于历史最高位。目前我国已成为全球储蓄金额最多的国家。针对国内有效需求不足而居民的银行储蓄节节上升的趋势,国家可以采取多种措施。回答:

小题1:首先,国家应尽快完善社会保障制度,使居民老有所养,病有所医。通过减少居民对养老、医疗的顾虑,刺激居民消费。这说明__________对消费有重要的影响。

A.收入差距

B.未来收入的预期

C.物价水平

D.当前的收入水平小题2:国家还可以采取降低银行存贷款基准利率的方式来刺激居民消费,这一政策发挥作用的途径是

①存款利率降低→存款收益减少→居民减少存款→消费需求增加

②存款利率降低→存款收益减少→物价水平降低→消费需求增加

③贷款利率降低→还贷压力减小→居民增加贷款→贷款消费增长

④贷款利率降低→融资成本降低→企业增加贷款→投资需求扩大

A.①②

B.①③

C.②④

D.③④

答案

小题1:B

小题2:B

小题1:题目分析:完善社会保障制度,使居民老有所养,病有所医,会使人们的生活更加有保障,减少人们未来预期收入对这部分消费支出比例,刺激居民消费,说明人们的消费受未来预期收入影响,答案B正确。

小题2:题目分析:答题时注意从存款利率和贷款利率两个方面分析,①③正确;②错在存款收益减少和物价水平降低之间没有必然联系;④是强调贷款利率降低对投资需求的影响,不符合题意,排除;答案B正确。

阅读理解

阅读理解。

    It was June 15, and in two days I would be turning thirty. I was insecure about

entering a new decade of my life and feared that my best years were now behind me.

    My daily routine included going to the gym for a workout before going to work. Every

morning I would see my friend Nicholas at the gym. He was seventy-nine years old and in

terrific shape. As I greeted Nicholas on this particular day, he noticed I wasn't full

of my usual vitality and asked if there was anything wrong. I told him I was feeling

anxious about turning thirty. I wondered how I would look back on my life once I reached

Nicholas's age, so I asked him, "What was the best time of your life?"

    Without hesitation, Nicholas replied, Well, Joe, this is my philosophical answer to

your philosophical question:

    "When I was a child in Austria and everything was taken care of for me and I was

nurtured by my parents, that was the best time of my life."

    "When I was going to school and learning the things I know today, that was the best

time of my life."

    "When I got my first job and had responsibilities and got paid for my efforts, which

was the best time of my life."

    "When I met my wife and fell in love, which was the best time of my life."

    "The Second World War came, and my wife and I had to flee Austria to save our lives.

When we were together and safe on a ship bound for North America, which was the best time

of my life."

    "When we came to Canada and started a family, which was the best time of my life."

    "When I was a young father, watching my children grow up, that was the best time of

my life."

    "And now, Joe, I am seventy-nine years old. I have my health, I feel good and I am

in love with my wife just as I was when we first met. This is the best time of my life."

1. When Joe's 30th birthday is drawing near, he feels _____. [ ]

A. excited

B. frightened

C. worried

D. eager

2. Joe usually goes to the gym to _____. [ ]

A. take exercise

B. begin his work

C. see his friend Nicholas

D. do his part -time job

3. What does the underlined word vitality in the second paragraph mean? [ ]

A. strength

B. Power to survive

C. Happiness

D. Energy and enthusiasm

4. What is the right order of the following events?

   a. Fell in love 

   b. Grew up in Austria

   c. Settled in Canada

   d. Escape from his country

   e. Got salaries [ ]

A. b a e d c

B. b e a d c

C. a b e d c

D. b c a d e

5. The purpose of the passage is to _____. [ ]

A. tell the reader about Joe's experience

B. tell the story of his friend Nicholas

C. tell people not to worry about their ages

D. tell people to take an optimistic attitude toward life

单项选择题