新视野大学英语三级模拟试题及答案.docx
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新视野大学英语三级模拟试题及答案.docx
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新视野大学英语三级模拟试题及答案
新视野大学英语三级模拟试题及答案
PartIReadingComprehension(SkimmingandScanning)
Directions:
Inthissection,youwillhave15minutestogooverthepassagequickly.
Forquestions1–7,markY(forYES)ifthestatementagreeswiththeinformation
giveninthepassage;N(forNO)ifthestatementcontradictstheinformationgiven
inthepassage;NG(forNOTGIVEN)iftheinformationisnotgiveninthepassage.
Forquestions8–10,completethesentenceswiththeinformationgiveninthe
passage.
YouthofToday
—Nosavings,nopension,hugedebts—
Leavingschooloruniversitymeansfinancialindependence—butdoesitalsomean
debt?
Someexpertssaytheyoungshouldtakesomecare.
Itislife,butnotasweknowit.Asthisyear'sschoolleaversandgraduates
inBritainmoveontofurthereducationorwork,tastingfinancialindependencefor
thefirsttime,theyshowsignsofbeingentirelydifferenttopreviousgenerations
intheirattitudestomoney,accordingtoinformationcollectedbyCash.Usedto
debtbutmoreaffluentthanpreviousgenerations,thecurrentcropof16-to
24-year-oldsisacomplexsectorofsociety.Butiftheycanhandletheirdebts,
thesemillionyoungadultshavethepotentialtobecomequitesophisticatedon
moneymatters.
Cashlookedforthefinancialhallmarksofthisgroup.
Theyaregoingtobebigspendersandwillbetargetedheavilybyretailers.“The
marketforproductsandservicesaimedatthisgrouphascontinuedtothrive,”
concludesresearchorganizationMintelinitsrecentreportforretailers“Selling
partlybecausetheperiodduring
“.Thisis”toandProfitingfromtheUnder25s
whichpeopleareyoung,freeandsingle,unencumbered(不受妨碍的)byparentsand
/orchildrenhasexpandedtothelatetwentiesandearlythirties,”itsays.
While13percentofthepopulationregularlypaystheirutility(公共设施),credit
cardandotherbillslate,thisproportionrisestoaremarkable64percentfor18-
to24-year-olds,accordingtoresearchconductedamong1,000adultsby.Intheory,
thissuggeststhatmorethan4millionofthemareheadingforsuchpoorcredit
ratingsthattheywillfinditdifficulttoborrowinthefuture.Butlendersmay
becomemoreflexibleintheirlendingtermsratherthanloseoutonthishugesector
oftheconsumermarket.
Nearlyoneinthree(28percent)ofpeopleunder35“donotconsidertheirfuture
financialposition”,accordingtoresearchfromAccentureHRServices.
Althoughhalfof18-to25-year-oldswanttoowntheirhomesomeday,theyseealmost
insurmountablehurdles,accordingtoMintel:
“Forthosewhohadnotyetboughttheir
ownproperty,theprospectoftryingtodososeemeddaunting—ifnotimpossible
—financially.”Orcoulditbethattheirfutureprosperitywilldependonwhether
theyinheritpropertyfromtheirparents?
Theyregardasnecessitiesmanyitemswhichwereseenasluxuriesbytheirparents
atthesameage.Morethannineoutof10havetheirownmobilephone.“Somelooked
ontheirphoneasakindofsecurityblanket,feelinglostwithoutit,”saysMintel.
Acarisseenas“vital”by64percentof18-to25-year-olds,anddesignerclothes
arewornby44percentofmenand35percentofwomeninthisagegroup,addsMintel.
Computerequipmentisahighpriorityformanytwenty-year-olds.Audio-visual
equipmentisparticularlyvaluedbyyoungmen.
Creditcardownershipisincreasing.Nearlytwothirdsofyoungadultshaveacard.
Morethanhalf(58percent)oftheunder-25sdonotpayofftheircreditcardbill
infulleachmonth,accordingtoMintel—including16percentwhoowemorethan
2009,
bypercent20nearlyincreasetopredictedownershipcardcreditWith500.£.
theyoungeragegroupcouldbeincreasinglytargeted,astheyaremoreaccustomed
toborrowingthanoldergroups.
Debtiscommonplaceinthisagegroup.Barclayspredictsthatgraduatedebtwill
average£17,500in2006,risingtonearly£34,000by2010.
Athirdofthisgroupbelievetheyare“tooyoung”tostartthinkingaboutapension,
accordingtoAccenture.“Thereisaseachangeinbehaviorgoingonhere,”says
MervynKohlerofHelptheAged.“Forrecentgraduateswhoaresaddledwithdebt
andstrugglingtobuyahome,thelastthingtheywouldcareaboutispensionplanning.
Theyhavealsoheardthemessagethattheywillhavetoworkuntiltheydrop,so
theywonderwhytheyshouldbotherwithapension.Butwhentheyretire,theywill
expectthestatetobailthemout.”
Thereisevidencetobackuptheirinstincts.Morethan73percentofthecurrent
cropofforty–year–oldsareoncoursetobeonPensionCreditandothermeans—
testedbenefitswhentheyretire,accordingtotheInstituteofFiscalStudies.
Unlesschangesaremadetothesystem,thisproportionwillincrease.
Despitethesedisturbingfindings,thereislightattheendofthetunnelforthe
young.HelenBowman,welfareofficeratDeMontfortUniversity'sStudentFinance
AdviceCentre,believesthatmany18-year-oldsgetintofinancialdifficultyout
ofignorancebutthat“theytendtobevery,verygood”atdealingwithproblems
whentheyfaceuptoreality.
Partoftheproblemisthatmanyhavereceivedlittlefinancialeducationfromtheir
parents.Someyoungadultsdonotevenknowhowtoshopforfoodandmanydonot
realizethatconveniencefoodfromcornershopswillbemoreexpensivethanfruit
andvegetablesandotherbasicingredientsboughtinmarketsorbylookingfor
bargains,valuerangesanddiscountsinsupermarkets.
Thegenerosityofparentscanalsobackfire.“Theredoescomeapointwhereparents
havetostophelping,”saysBowman.
Creditcardcompanieshavemadedebtfartooaccessible,shebelieves.
Itcouldbethatlendingismorestrictlyregulatedbytheauthoritiesinfuture.
TheLiberalDemocratsareincreasinglyconcernedattheeasyavailabilityofcredit
andthisissuecouldwellmoveupthepoliticalagenda.Thelocationofcashmachines
inpubsdoesnothelp,especiallyforagenerationthatdrinksheavily.Budgeting
ishardforstudentswhohavetopaymobilephoneandmanyotherbillsmonthlybut
whoseincomeintheformofStudentLoanscomesinatthestartofterm.
Buttherearemanycasesofstudentsgettingintodebtandthenfindingawayout
ofthemess,usuallybygettingajob.Alongtheway,theylearnhowtobudgetand
howtoavoidtemptationby,forinstance,leavingtheirplasticathome.
Parentsmaynotevenbeaware,inmanyofthesecases,thattheirchildrenhavegot
intodebtandthenscrapedtheirwayout.Andpeoplelikethese,wholearntthehard
way,haveanunderstandingofmoneywhichisprobablydeeperthanthatofpeople
whohaveneverhaddifficulties.
1.AccordingtotheCashstudy,theyoungadultsinBritaintodayformacomplex
sectorofsocietybecausetheyleadamoreaffluentlifebyoverdrawingtheircredit
card.
2.Thereare13percentofyoungadultswhoregularlypaytheirbillslate.
3.Overninetypercentof18-to25-year-oldshavegottheirownmobilephones.
4.Itispredictedthattherewillbemorecreditcardusersamongyoungpeople
thanamongolderpeople.
5.Theaveragegraduatedebtwillbegreatlyincreasedinthecomingfiveyears.
6.Mostyoungpeopledidn'treceiveenoughfinancialeducationfromtheir
parents.
7.Thepassagesuggeststhatparentsshouldalwayshelptheirchildrenin
payingtheirdebt.
8.Comparedwithpreciousgenerations,thecurrentgraduateshavevery
differentattitudesto____________________.
9.Atthetimewhentheirparentswereyoung,alotofmodernnecessary
equipmentownedbyyoungpeoplenowwasregardedas____________________.
10.Thelastthingmostyoungpeoplethinktheyarestilltooyoungtobotherabout
is____________________.
PartIIListeningComprehension
SectionAConversations
Directions:
Inthissection,youwillhear8shortconversationsand2long
conversations.Attheendofeachconversation,oneormorequestionswillbeasked
aboutwhatwassaid.Boththeconversationandthequestionswillbespokenonly
once.Aftereachquestiontherewillbeapause.Duringthepause,youmustread
thefourchoicesmarkedA),B),C)andD),anddecidewhichisthebestanswer.
11.A)Shewon'tdofavorsforothers.
B)She'llreturnthebookonherwaytowork.
C)Shecan'treturnthebookfortheman.
D)Sheworksattheschoollibrary.
12.A)Toputhiscallthroughtothedirector.
B)Toarrangeanappointmentforhimtoseethedirector.
C)Totellthedirectorabouttheworkheisdoing.
D)Togoandseeifthedirectorcanmeethimrightnow.
13.A)Shewantstofurtherherstudyrightaway.
B)Shewantstoquithergraduatecourse.
C)Shehasn'tdecidedifshe'llstudyforhermaster'sdegree.
D)She'llfindajobrightaftergraduation.
14.A)He'lldrivethewomantoschool.
B)He'llridehisbicycletoschool,too.
C)He'lljoinherinherexerciseclass.
D)He'llteachthewomanhowtorideabicycle.
15.A)They'recolleagues.
B)They'refriends.
C)They'reclassmates.
D)They'retwins.
16.A)Waterherflowerswhileshe'saway.
B)Buyhersomeflowersandtakecareofthem.
C)Cleanherhousewhilesheisonbusiness.
D)Waterherflowersinhissparetime.
17.A)Hedoesn'thaveanyquestionsforher.
B)Hewon'tbeabletotakeatrip.
C)Hecanstudyduringthespringbreak.
D)Hehasn'tdecidedifhecantakeatrip.
18.A)Hisfathertoldhimtogotomedicalschool.
B)Hisfatherstud
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