英语六级真题及答案2.docx

英语六级真题及答案2.docx

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英语六级真题及答案2

2021年12月大学英语六级（CET-6）真题试卷

PartIWriting（30minutes）

OnMaintainingTrust

Ratesarelow,butconsumerswon’tborrow

TheUSFederalReserve（Fed）'sannouncementlastweekthatitintendedtokeepcreditcheapforatleasttwomoreyearswasaclearinvitationtoAmericans:

Gooutandborrow.

Undernormalcircumstances,theFed'sannouncementmighthaveattractednewhomeandcarbuyersandpromptedcreditcardholderstorackupfreshcharges.Butwithunemploymenthighandthosewithjobsworriedaboutkeepingthem,consumersaremoreconcernedaboutpayingofftheloanstheyalreadyhavethanaddingmoredebt.Andbyshowingitshandforthenexttwoyears,theFedmayhavethoughtlesslyinvitedprospectiveborrowerstoputofflargepurchases.

Lenders,meanwhile,arestilldealingwiththeeffectsoftheboom-gone-bustandareforcingprospectiveborrowerstogotoextraordinarylengthstoprovetheircreditworthiness.

"Idon'tthinklendersaregoingtobeinterestedinextendingalotofdebtinthisenvironment,"saidMarkZandi,chiefeconomistofMoody'sAnalytics,amacroeconomicconsultingfirm."NordoIthinkhouseholdsaregoingtobeinterestedintakingonalotofdebt."

Inhousing,consumershavealreadyshownaslowresponsetolowrates.Applicationsfornewmortgageshavedecreasedthisyeartoa10-yearlow,accordingtotheMortgageBankersAssociation.Salesoffurnitureandfurnishingsremain22%belowtheirpre-recessionpeak,accordingtoSpendingPulse,aresearchreportbyMasterCardAdvisors.

Creditcardrateshaveactuallygoneupslightlyinthepastyear.Theonebrightspotinlendingisthenumberofautoloans,whichisupfromlastyear.Butsomeeconomistssaythatconfidenceamongcarbuyersishittingnewlows.

ForXavierWalter,aformermortgagebankerwhowithhiswife,Danielle,accumulated$20000increditcarddebt,lowrateswillnotchangehisspendinghabits.

Twoyearsago,Mr.Walter,a34-year-oldfatherofthree,startedanenergybusiness.Hehasswornoffcredit."I'mnotgoingtogobackindebteveragain,"hesaid."IfIcan'tpayforitincash,Idon'twantit."

Untilnow,oneofthebiggestrestraintsonconsumerspendinghasbeenadebtaftereffect.SinceAugust2008,whenhouseholddebtpeakedat$12.41trillion,ithasdeclinedbyabout$1.2trillion,accordingtoananalysisbyMoody'sAnalyticsofdatafromtheFederalReserveandEquifax,thecreditagency.Alargeportionofthat,though,wassimplywrittenoffbylendersasborrowersdefaultedonloans.

Withnewrisksofanotherdownturn,economistsworrythatitwilltakeyearsfordebttoreturntomanageablelevels.Iftheeconomycontractsagain,saidGeorgeMagnus,senioradviseratUBS,then"youcouldfindalotofhouseholdsinadebttrapwhichtheyprobablycannevergetoutof."

ButthelenderwouldnotacceptthatmoneyunlesstheSmithsprovidedacertifiedletterfromeachof14guests,statingthatthemoneywasagift,ratherthanaloan.

"Welaughedforagood15or20minutes."recalledMr.Smith.34.

Mr.Smith,aprogramdirectorforaradiostationinOrlando,Florida,saidtheyendedupusingothersavingsfortheirdownpaymenttobuya$300000four-bedroomhouseinApril.

ForthosenotascreditworthyastheSmiths,lowratesareirrelevantbecausetheynolongerqualifyformortgages.Thatleavestheeligiblepoolofloanapplicantswealthier,"olderandwhiter,"saidGuyCecala,publisherofInsideMortgageFinance."It'screatingmuchmoreofadivide,"hesaid,"betweenthehavesandthehave-nots."

Carshopperswiththehighestcreditratingscanalsogetloansmoreeasily,andatlowerrates,saidPaulC.Taylor,chiefeconomistoftheNationalAutomobileDealersAssociation

Duringtherecession,inabilitytoobtaincreditseverelycutautobuyingaslendersrejectedeventhosewithgoodcreditratings.Nowautomakersareincreasingtheirsubprime（次级债的）lendingagainaswell,butremainhesitanttoapprovelargenumbersofriskycustomers.

Butsomeeconomistswarnthatconsumerconfidenceisfalling.AccordingtoCNWMarketingResearch,confidenceamongthosewhointendtobuyacarthisyearisatitslowestsinceitbegancollectingdataonthismeasurein2000.

Oncreditcards,rateshaveactuallyinchedhigherthisyear.largelybecauseofnewrulesthatcurbtheissuer'sabilitytochargefeesorraisecertaininterestratesatwill.

EveniftheFed'sannouncementhelpskeepratessteady.orpushesthemdown,businessesdonotexpectcustomerstosuddenlychargeupastorm.

"It'snotlike,'Oh,creditissocheap.let'sgobacktotheheydays（鼎盛时期）,",saidElizabethCrowell,whoownsSterlingPlace,twohigh-endhomefurnishingandgiftstoresinNewYork."Peoplestillfearfortheirjobs.SoIthinkwheremaybeafterotherrecessionstheymightreturntopreviousspendinghabits,thependulumhasn'tswungbackthesameway."

注意：

此部分试题请在答题卡1上作答。

1.WhatisthepurposeoftheannouncementissuedbytheUSFederalReservelastweek?

A）Tohelpreducethedebtburdenonconsumers.

B）Toforcethebankstolowertheirinterestrates.

C）Toencourageconsumerstogetmorebankloans.

D）Topreventfurtherfluctuationsinthestockmarket.

2.Whyarepeoplereluctanttotakeonmoredebtdespitethelowinterestrates?

A）Theyareafraidoflosingtheirgoodcreditratings.

B）Theyarepessimisticaboutemploymentprospects.

C）TheyhavelittlefaithintheFed'sfinancialpolicies.

D）TheyexpecttheFedtofurtherlowerinterestrates.

3.Whatdoestheauthorsayaboutlendersinthecurrentcreditmarket?

B）Theyareeagertooffermoreloans.

C）Theyadviseprospectiveborrowerstoputofflargepurchases.

D）Theyareonlyconcernedabouthowmuchtheycangetback.

4.WhatdoestheauthorwanttosaybycitingXavierWalter'scase?

A）NotmanyAmericanscanaffordtopayincashthesedays.

B）TheFed'spoliciesexertastronginfluenceonborrowers.

C）Peoplenowwon'tbuythingsunlesstheyhavethemoney.

5.Whatistheeconomists'concernregardingthecurrenteconomy?

A）Consumers'unwillingnesstospend.C）Theever-loweringinterestrates.

B）Banks'inabilitytorecoverdebt.D）Theunmanageabledebtlevels.

6.WhatdowelearnfromtheSmiths'story?

A）Itisverydifficultforpeopletobuildupagoodcreditrecord.

B）Acertainamountofsavingsisneededforonetobuyahouse.

C）Thepurchaseofahousewillplungeyoungcouplesintoheavydebt.

D）Mortgagelendersarenowcarefulaboutborrowers'qualifications.

7.AccordingtoGuyCecala,thebanks'policyonmortgagelendingwillresultin_.

A）awidergapbetweentherichandthepoor

B）abiggerdownpaymentforhousebuyers

C）ahigherdebtlevelforthelesswealthy

D）agreaterpressureonseniorbuyers

8.Duringtherecession,thenumberofcarbuyersdecreasedbecauseitwasdifficultto____.

9.Creditcardinterestrateshavegraduallyincreasedrecentlybecausenewrulesdonotallowtheissuerstoraisecertaininterestratesor____.

10.AccordingtoElizabethCrowell,thecurrentrecession,unlikepreviousones,hasnotseenaswingbackinpeople's____.

SectionA

Directions:

 Inthissection,youwillhear8shortconversationsand2longconversations.Attheendofeachconversation,oneormorequestionswillbeaskedaboutwhatwassaid.Boththeconversationandthequestionswillbespokenonlyonce.Aftereachquestiontherewillbeapause.Duringthepause,youmustreadthefourchoicesmarkedA）,B）,C） andD）,anddecidewhichisthebestanswer.Thenmarkthecorrespondingletteron AnswerSheet2 withasinglelinethroughthecentre.

 11.A）Shecancountonthemanforhelp.C）Shecanlendthemanasleepingbag.

B）Shehasotherplansforthisweekend.D）Shehasgotcampinggearforrent.

12.A）Themanshouldkeephiswords.C）Karenalwayssupportsheratwork.

B）Sheregretsaskingthemanforhelp.D）Karencantakehertotheairport

13.A）Hecan'taffordtogotravelingyet.C）Heusuallycheckshisbrakesbeforeatrip

B）HistriptoHawaiiwasnotenjoyable.D）HistriptoHawaiihasusedupallhismoney.

14.A）Therewasnothingleftexceptsomepie.C）Thewomanisgoingtopreparethedinner.

B）Themanhastofindsomethingelsetoeat.D）Juliehasbeeninvitedfordinner.

15.A）Submitnomorethanthreeletters.C）Applytothreegraduateschools.

B）Presentanewletterofreference.D）SendProfessorSmithaletter.

16.A）Hedeclinestojointhegardeningclub.

B）Heisaprofessionalgardenerintown.

C）Hepreferstokeephisgardeningskillstohimself.

D）Hewishestoreceiveformaltrainingingardening.

17.A）Sculptureisnotatypicalformofmodernart.

B）Modernartcannotexpresspeople'struefeelings.

C）Therecentsculptureexhibitwasnotwellorganized.

D）Manypeopledonotappreciatemodernart.

18.A）Bobdoesnothavemuchchancetowin.C）Bobcannotcountonhervote.

B）Shewillvoteforanothercandidate.D）Sheknowstherightpersonfortheposition

Questions19to22arebasedontheconversationyouhavejustheard.

19.A）Poormanagementofthehospital.C）Decisionsmadebytheheadtechnician.

B）Thehealthhazardatherworkplace.D）Theoutdatedmedicaltestingprocedures.

20.A）Transferhertoanotherdepartment.C）Cutdownherworkload.

B）RepairtheX-rayequipment.D）Allowhertogoonleavefortwomonths.

21.A）Theyarevirtuallyimpossibletoenforce.C）Bothofthemhavebeensubjecttocriticism.

B）Neitherisapplicabletothewoman'scase.D）Theirrequirementsmaybedifficulttomeet.

22.A）Organizeamassstrike.C）Trytohelphergetitback.

Questions23to25