问题 单项选择题

以下关于名义利率和实际利率的说法正确的是( )

A.名义利率和实际利率都采用复利法计息
B.名义利率和实际利率都采用单利法计息
C.名义利率采用复利法计息,实际利率用单利法计息
D.名义利率采用单利法计息,实际利率用复利法计息

答案

参考答案:D

解析: 所谓名义利率r是指计息周期利率i乘以1年内的计息周期数m所得的年利率,即:r=im。
很显然,计算名义利率时忽略了前面各期利息再生的因素,这与单利的计算相同。若用计息周期利率来计算年有效利率,并将年内的利息再生因素考虑进去,这时所得的年利率称为年有效利率(又称年实际利率)。由此可见,有效利率和名义利率的关系实质上与复利和单利的关系一样。

单项选择题
阅读理解

A new study of 8,000 young people in the journal of Health and Social Behavior shows that although love can make adults live healthily and happily, it is a bad thing for young people. Puppy love(早恋)may bring stress for young people and can lead to depression. The study shows that girls become more depressed than boys, and younger girls are the worst of all.

The possible reason for the connection between love and higher risk of depression for girls is “loss of self”. According to the study, even though boys would say “lose themselves in a romantic relationship”, this “loss of self” is much more likely to lead to depression when it happens to girls. Young girls who have romantic relationships usually like hiding their feelings and opinions. They won’t tell that to their parents.

Dr. Marianm Kaufman, an expert on young people problems, says 15% to 20% young people will have depression during their growing. Trying romance often causes the depression. She advises kids not to jump into romance too early. During growing up, it is important for young people to build strong friendship and a strong sense of self. She also suggests the parents should encourage their kids to keep close to their friends, attend more interesting school activities and spend enough time with family.

Parents should watch for signs of depression—eating or mood changes—and if they see signs from their daughters or sons, they need to give help. The good news is that the connection between romance and depression seems to become weak with age. Love will always make us feel young, but only maturity(成熟)gives us a chance to avoid its bad side effects.

41. What’s the main idea of the passage?

A. Puppy love may bring young people depression.

B. Parents should forbid their children’s love.

C. Romance is a two-edged sword for adults.

D. Romance is good for young people.

42. Which of the following are more likely to have depression?

A. Young people who have a strong sense of self.

B. Young boys whose parents watch for their behavior.

C. Young girls who always hide their feelings and opinions.

D. Careless parents whose children are deep in love.

43. What can be inferred from the passage?

A. Lacking love can lead young people to grow up more quickly.

B. Early love makes young people keep close to their friends and parents.

C. Parents should help their children to be aware of the signs of depression.

D. The older a woman is, the less likely she seems to lose herself in romance.

44. What’s the author’s attitude towards puppy love?

A. Confused.                                            B. Disapproving.

C. Uninterested.                                    D. Scared.

45. Dr. Marianm Kaufman does NOT suggest parents’ encouraging their kids to ______.

A. keep close to their friends

B. attend more interesting activities

C. chat more on line

D. spend more time with their family