The opening of two new rural financial institutions yesterday gives hope to the large number of low – income Chinese farmers and small rural business that they will enjoy wider entrance to bank loans.

China has long been struggling to channel lending to its vast rural areas, still not adequately served by the existing financial system. Villages are home to less than one – sixth of all bank branches, accounting for 15 percent of the country’s deposit (存款) and loans in 2006. Cities get 10 times more loans person than the countryside, where over 60 percent of the 1.3 billion population live. And, only 60 percent of the 120 million rural households that need bank loans are able to access them.

The new policy that came out in December, which introduced new types of rural financial institutions like the village bank and the lending company opened yesterday in Sichuan and three others to be opened soon, is expected to breathe life into the rural financial sector. The pilot (试点的) scheme planned in six provinces and autonomous regions – Hubei, Jilin, Sichuan, Qinghai, Gansu and Inner Mongolia – encourages individuals, private companies and all financial institutions to get involved in rural financing.

New rural financial institutions are supposed to bring competition to the market, supporting the building of “a new socialist countryside” along with other financial institutions serving villages.

But to really arouse the interest of commercial financial institutions and private investors, the government need to offer more preferential policies instead of just easing the market entry restrictions. It is profits that will drive businesses to rural areas, and it is generally held that these won’t come easy in rural area, with high operation costs and bigger management risks.

1．What are the two rural financial institutions according to the text?

       A．The city bank and Bank of China.

       B．The rural of China and the leading company.

       C．Communication Bank of China and China Construction.

       D．Agricultural Bank of China and Industrial and Commercial Bank of China.

2．The second paragraph states          .

       A．the purpose of the new policy

       B．the present rural financial situation

       C．how to carry out the new policy

       D．some extra measures for the new policy

3．In the author’s opinion, one way for the farm areas to develop more quickly is          .

       A．to force banks to offer some money to farmers without interest.

       B．to force banks to give peasants more loans.

       C．to get the government to invest more money.

       D．to get the government to provide more preferential policies.

4．The best title for the passage may be “          ”.

      A．A better life soon for people in rural areas

       B．Enough money to develop rural areas from the government

       C．A hope for rural areas but more needs to be done

       D．A heavy load of the local government

The golden autumn leaves are fitness reminder for us all. This is the time of year trees takes it off, and people put it on – weight that is.

“It is a rainy Saturday in November. Shall I go for my regular run or get a cup of hot chocolate and watch a DVD on the couch?” When you are faced with these kinds of choices, staying fit takes a will of iron. But there are plenty of ways to stay healthy and fit while enjoying the good things about winter. Here are some tips:

Watch your diet. First things first – keep an eye on what you eat. Experts recommend vegetable soup as a quick, healthy warm – up meal. Just watch serving sizes – we tend to eat whatever’s in our bowls. Stews can be both filling and fattening. Use loads of fresh vegetables such as broccoli, cabbage and leeks, and not so much meat and potatoes. Avoid eating while watching TV. Never bring the whole bag or bowl of anything to the sofa. Measure it into small portions beforehand.

Keep exercising. Winter’s arrival doesn’t mean we should stop exercising. Exercise makes you feel good, and helps you keep colds and flu away. The weather change only means we need to adjust our routines. Remember that it gets darker earlier. Make adjustments by joining a gym, planning evening walks in the neighborhood or becoming an early riser. Plan some family/ friends fun time. One great way to stay healthy in winter is joining in team sports such as volleyball, basketball or soccer. The exercise and team spirit are hard to beat, but watch out for the hotpot part afterward. Take a class. Something like yoga or belly dancing is all you need to get out of the house once or twice a week. Plan to go with friends, that way you’ll motivate each other. Start a routine. The amount of exercise you need to stay fit isn’t actually all that much. Just 20 minutes a day is all you need. Exercise should be vigorous enough to raise your heart rate. So take the stairs instead of the lift. Go swimming. Grab sunny days for an outing.

By keeping your fitness levels up over the winter, you’ll find you feel better and get less colds. And you’ll be ready welcome next summer with delight – instead of a diet.

1．Which of the following statements is NOT true in the writer’s opinion?

       A．People had better do something to keep fit when they see the golden autumn leaves.

       B．People usually gain weight when the leaves are falling.

       C．It’s easy to choose between regular running and watching a DVD on a rainy November day.

       D．There are many good things to do even in winter.

2．If you don’t want to gain weight, you’d better         .

       A．eat whatever in our bowls                     B．take vegetable soup before a meal

       C．eat while watching TV                         D．try stews

3．In order to keep exercising in winter, you’d better do the following except          .

       A．make adjustments of your routines        B．get up earlier

       C．take part in team sports                        D．enjoy the hotpot party

4．Which can be the best explanation of the underlined word “vigorous”?

       A．Energetic         B．Cruel        C．Mild         D．Gentle.

It wasn’t too long ago that I was in high school trying to balance hours of homework, dance team practice three days a week, taking voice lessons an hour a week, rehearsals for the drama show, holding down a weekend job and at the same time trying to have a social life. Colleges and employers have put an emphasis on the importance of being involved in school activities, most kids these days are trying to do more than they can. If it doesn’t seem possible, trust me, even though I learned the hard way, I somehow managed to make it due to serious Time Management.

When I was a freshman in high school I tried to do it all without making sure that I had time for myself. Well, I learned quickly that it was impossible to do everything and remain the same. I was rushing everywhere; I was skipping lunches to have meetings and do homework; I barely saw my family, much less to talk to them; I accidentally made dates to hang out with separate groups of friends on the same night; and, as if it couldn’t be any worse, I was barely sleeping. Getting sick was out of the question for me because it would mess up my schedule. This seemed to work until I noticed that I was falling asleep in class, arriving late to school, and calling in sick to work more often than not. I realized that I needed to brush up on my Time Management skills and work fast.

So I sat down with my mom and organized all the activities that I wanted to be involved in, next I prioritized; I decided what activities were most important to me. Schoolwork came first, second time with friends, and then my after – school activities. By doing this I even realized that I wasn’t enjoying playing a sport; I much preferred to spend that time hanging out with my friends. All of a sudden I saw what was important to me and time went to doing that rather than wasting it on activities that just sounded good to me.

1．Many high school students are quite active in different activities mainly because        .

       A．they have a lot of free time

       B．they want to have a good record for college

       C．they are required by their schools

       D．their parents wish them to do so

2．How did the writer solve the problem?

       A．She scheduled all her activities with her mother’s help.

       B．she asked her mother to organize everything for her.

       C．She cut out some activities so as to get involved in those she enjoys.

       D．She gave up everything except school work and being with friends.

3．From the passage we can infer that the writer is a (n)       person.

       A．determined but disorganized                  B．very intelligent and capable

       C．organized but weak – minded                D．active and organized

4．What would be the best title for the passage?

       A．Involving in School Activities.               B．Time Management

       C．Time Management   D．Getting Ready for Jobs

Learning to save money when you are young is an important lesson. All good lessons and habits begin early, and saving is a skill that everyone needs, many people – adults included – do not have a good sense of saving for the long run.

I have been lucky to learn this lesson early because I have had a grass – cutting business since I was 10 years old. Of the money I make, I spent about 10 percent and save the other 99 percent.

Making sure you save and don’t spend too much is a good way to build up wealth. I have put my earnings in a bank. Many teens I know spend all the money they earn so it never has a chance to grow.

Young people should realize that their teenage years are a great time to begin saving.

At high school, many parents pay for almost everything, so your expenses can be small. If you have a job, you should have fun with some of the money. But you should also save some so that it will grow. Then you can begin planning for your future. When you spend money, you not only lose that money, but you also lose the interest you could have earned by saving it.

After high school, college is expensive and then “real” life begins, with the expense such as food and rent.

If you can hold onto a good percentage of the money you earn as a teen, going to college and buying a house will be much easier. The earlier you begin saving, the more time the money has to grow.

If you are in your thirties without any savings, you will always have to struggle. The earlier you begin saving the earlier it is to create a nest egg. Later in life it can be hard to start saving because general costs of living are most expensive and you may only have enough to pay your bills.

If you want to buy a house and have a family, you need money to start with, which comes from saving. Many say money cannot make you happy, and this is true. But money can help you to lead a secure life.

Saving early will mean you will have to work for fewer years when you are older. It will also allow you to spend time doing the things that you want.

1．People should learn to save because           .

       A．money can bring happiness to everyone

       B．saving money can make people live an interesting life

       C．saving money can make people live a secure life

       D．saving money can make people live a simple life

2．When he was ten years old, the writer          .

       A．got a job to cut grass

       B．spent most of his earnings

       C．had a lesson to learn how to save money

       D．supported himself and lived independently

3．“real” life probably means         .

       A．living together with parents

       B．living independently without the help of parents

       C．living together with classmates in dormitories

       D．living a happy and rich life

4．The best title for the article is         .

       A．Saving for the Future

       B．Working Hard for the Future

       C．Studying More Knowledge as a Teen

       D．Forming Good Habits

I visited my aunt in the countryside near the city last week.          1．       

I was surprised to see that great changes had been taken place             2．     

in the countryside. Take my aunt’s family for example. We                  3．     

supply precious trees and flowers to the store in the city and               4．     

have over ten workers working for themselves. Their family’s             5．     

income reached as much 100,000 yuan last year Not only                    6．     

did they have a house, a car and computers, they can also afford          7．     

a trip abroad every year. When asking what else they needed                8．     

most, they said that they wanted to learn a few English so that             9．     

they could do business with foreigners directly. To their delighted,        10．     

my cousin can use that he has learned from university to help

them with overseas trade.

假如你是王林，上个月学校为你们举办了十八岁成人仪式。请根据下列要点给你在美国的笔友发一份电子邮件，描述仪式的过程并简述你的感受。

1．成人仪式；

2．感受老师和父母的培养和教育；

3．老师和领导讲话；

4．表演节目。

注意：

1．邮件必须包括以上要点。可适当发挥；

2．开头结尾为你写好。

3．词数100字左右；

生词：宣誓：make an oath

      仪式：ceremony

      成人：growing – up

Dear Brown,

                                                           Yours

                                                         Wang Lin

—Have you graduated from collage?

—Yes, I        there for four years.

A．study       B．studied      C．have studied     D．had studied

—He was nearly drowned in a pool.

—When was        exactly?

—It was in 1990        he was swimming with his friends.

A．this; that   B．that; when        C．that; that   D．what; when

He, with several tough tasks        ,has been elected as one of the Ten Figures 2004 in China.

A．to complete      B．complete   C．completing       D．completed

—I promise her daughter she        get a nice present on her birthday.

—Will it be a surprise to her?

A．should      B．must  C．would       D．shall