问题 问答题 论述题

试述消费信用与次贷危机的关我国的启示。

答案

参考答案:

次级抵押贷款是指美国的一些贷款机构向信用程度较差和收入不高的借款人提供的货款。次级抵押贷款借款人的信用记录比较差,由此造成次级抵押贷款的信用风险比较大。次贷危机便与信贷消费文化有着直接的关系。消费信用是指以消费者个人为债务方的信用消费方式,包括零售分期付款信用,信用卡,汽车贷款,住房按揭贷款和住房产权抵押贷款。低利率环境和房产价格的持续飙升在很大程度上掩盖了次级抵押贷款的风险。美国的次贷危机正是消费信用不可过度扩张,这也警示我们提醒我们,一定要建立整套的监管和预警机制,控制信用消费的风险。

阅读理解

These amazing animals prove that love lives on four legs.

A little girl's lifeline

Three-year-old Alida Knobloch and her 27kg golden dog, Mr. Gibbs, are almost together all the time There is a special love between them. Alida, who suffered from serious lung disease (肺病) when she was 10 months old, is unable to breathe on her own for about 45 minutes. So Mr. Gibbs has been with her everywhere, carrying 4.5kg of oxygen tanks (氧气罐) for her .

A pig that calms kids

When Lois Brady, a famous doctor in America, visits special-needs students in San Francisco schools, she often brings along Buttercup, a black pig from Vietnam. The pig is very calm and friendly and has been trained to offer comfort (安慰) to patients as well.

A Lion's big heart

With paws (爪子) the size of dinner plates, bright black eyes and a golden mane (鬃), Jupiter, a 13-year-old 250kg lion, was brought to the rescue (援救) center by Anna. In the past two years, Anna has developed a very close relationship with Jupiter.

小题1:The best title to explain the main idea of the text is “_________”

A. Hero pets                           B Small pets          

C. Kids' friends                       D Special visits

小题2:Which of the following do you think is the right match?

A.Alida →a lion

B.Buttercup →a pig

C.Lois →a sick girl

D.Jupiter → a doctor小题3:How long has Mr,Gibbs been with Alida?

A.For about 45 minutes

B.For about 10 months

C.For over 3 years

D.For over 2 years小题4:In which of the following pictures can you find Anna?

小题5:Which of the sentences is Not true according to the passage?

A.Alida has suffered from serious lung disease since she was 10 months old

B.The black pig can calm the kids and offer comfort to them.

C.Mr. Gibbs is a loyal(忠诚的) dog which loves its owner.

D.Anna brought Jupiter to the rescue center for fun.

选择题