Question

阅读理解 　　Spending beyond one's means is becoming a national problem for Americans．Borrowing has become so easy that it takes great willpower for people to refuse it．“I received a number of gold MasterCard and gold Visa card offers in the mail during the past two months,” said one computer engineer at AT&T Bell Laboratories in Chicago．“I got three of them in one day last week．” 　　Lenders are providing easy credit(信贷)for borrowers．Many banks now offer every borrower a great variety of credit, a service once offered almost only to big companies．Norwest Bank Minneapolis offers lending programs for cars and boats that can cut monthly payments nearly in half．Carmakers, too, are lengthening easier terms．Ford Motor Credit states that 45％ of its recent lending has been for sixty months, rather than the thirty-six-month period that was usual before． 　　The total consumer debt in the United States rose 173 percent between 1974 and 1984, as the debt for each man, woman, and child increased from ＄10,264 to ＄26,566．Huge debt now is present in our economy at all levels．As a nation, we are more than ＄7 trillion in debt, and the total keeps increasing astonishingly． 　　As we have overborrowed , so have we overspent．In late 1986, the share of after-tax income that Americans saved sank below 2 percent for a short time, less than half the figure at which we saved only 10 years ago．Americans now are buying from foreigners between about ＄50 and ＄100 billion more Mercedes and Toyotas, Paris fashions, and tours to Europe than the Boeing 747s, agriculture machinery, or Kansas wheat that the foreigners bought from America The country could not produce and pay for all the things it wanted． 　　To make a long story short, we Americans have serious problems in keeping down spending and keeping up personal savings It is high time for us American people to learn the basics of long-term money management． (1) According to the author, what causes Americans to overspend? [　　] A． Buying a lot of foreign products． B． Easy management of their debts． C． Simple ways of borrowing money． D． Getting more extra money than before． (2) Ford Motor Credit lengthens 45％ of its lending to 60 months in order to ________． [　　] A． help more Americans to settle their debts B． encourage people to buy foreign cars C． make better use of its money D． attract more customers (3) According to the author, What can be a good way to deal with overborrowing ? [　　] A． Teaching people how to manage money． B． Advising people on what to buy． C． Limiting the use of credit cards． D． Reducing average incomes． (4) In the passage, the author wants to tell us that ________． [　　] A． banks mustn't provide easy credit for borrowers． B． a healthy society has to learn to live within its means． C． People's income determines their money management． D． government should prevent people from overborrowing．

Answer 1

答案：1．C;2．D;3．A;4．B;
解析：

(1)	细节理解题。由文章第一段第二句“Borrowing has become so easy that it takes great willpower for people to refuse it．”可知答案。
(2)	推理判断题。由文章最后一段可知骑车制造商们把借贷还款期延长是为了减轻消费者还款压力，从而刺激消费。
(3)	推理判断题。由文章最后一段可知作者建议消费者理性消费，做储蓄计划，学会理财方可解决overbor-rowing现象。
(4)	主旨大意题。理解全文及文章首尾两段可总结出作者认为只有谨慎消费，顾及实际承受力才能消除畸形消费的社会现象。