听力原文：Ask the average American,"What is freedom？"You will probably hear,"It's being abl

听力原文：On mental tests, half to two-thirds of the people in their 70s were as intellectually agile as people in their 30s. Those who fell below average tended to be people who had not make a lifelong habit of reading. （）

听力原文：W: What is the rate of exchange？

M: Sorry, I'm not sure. You will have to ask at the exchange desk. He can give you the exchange rate.

Q: Where can he find the exchange rate？

(12)

A．At the exchange desk.

B．On the board.

C．On the desk.

D．On the notebook.

听力原文：They will write to their home office to waive their claim.

(6)

A．They will write to their home.

B．They will write to their headquarter.

C．They will ask for their rights.

D．They will wait for an officer.

听力原文：W: This crazy bus schedule has got me completely confused. I can’t figure out

when my bus to Cleveland leaves. M: Why don’t you just go to the ticket window and ask？ Q:

What does the man suggest the woman do？

A.Read the notice on the window.

B.Board the bus to Cleveland.

C.Go and ask the staff.

D.Get a new bus schedule.

听力原文：M: I've lost my credit card issued by your bank. What should I do, please？

W: I am sorry for that. But you have to go to that counter over there for the card business.

Q: Why does the customer come to the bank？

(15)

A．He got a credit card of his friend and come to ask how to use it.

B．He got a card and did not know whose card it is.

C．He has lost his credit card and come to ask what to do.

D．He has found a credit card and come to ask what to do.

听力原文： If you've been on campus for very long, I'm certain that you've already heard about this course. You may know that last semester about fifty percent, of the Students enrolled in my course failed it. Let me explain how this came about before you jump to any conclusions. In the first place, since this is a composition class, I expect my students to follow certain rules of formality. Unfortunately, many students today dislike having to follow rules of any kind, especially those which they may feel to be unnecessary. For example, I ask that each of your papers be typed and centered on the paper correctly. I count off points for various kinds of mistakes. A misspelled word will cost you 5 points. You've lost 25 points if you've misspelled five words. If you write an incomplete sentence, you've lost 10 points. If you give me two complete sentences as one without adequate punctuation, you've lost 15 points. I do not accept late papers. You will receive a zero for any theme which you fail to submit on time. I expect you to read each assignment. To make certain that you have read the assignment, I will give you a short unannounced quiz from time to time. This class meets on Mondays, Wednesdays, and Fridays. You will have a total of six major tests throughout the semester. Your final grade will he based on an average of these major tests, the pop tests, and eight written themes. If you have any questions at any time, you can see me on Tuesdays. My office is on the second floor of this building. Your assignment for Wednesday is to read Hemingway's short story on page 55．Friday will be the last class day of this week, so you can expect to write a short in-class theme for me then. That's all for today, I'll see you on Wednesday.

(30)

A．10 points.

B．2 points.

C．15 points:

D．5 points.

of this month. Please allow me to defer payment until four weeks later.

M: That's all right. We won't press you for immediate payment. Send us your check later on when you have money.

Q: What does the woman ask for？

(12)

A．Immediate payment.

B．Deferred payment.

C．Invoice.

D．US $1,000.

听力原文： (30[A]) The infant mortality rate in China has declined notably since the beginning of the 1990s, according to China's new white paper on children's conditions. (29[A]) The average decrease in infant mortality in the country is 6.5 percent a year since 1990. The mortality rate of children under five years old has been tailing off by 5.85 percent annually, the white paper says. The white paper, entitled "The Situation of children in China" and issued by the Information Office of the State Council says that so far, no other country in the world with an annual per capita income approximate to China's has attained such rapid decreases.

The percentage of the annual decrease in infant mortality rate since 1990 is ______.

A．6.5

B．5.85

C．5

D．19

听力原文： The inter-bank market is important because through banks' lending and borrowing, a short-term interest rate can be determined. This interest rate indicates the marginal cost of acquiring short-term liquidity needed by banks in the money market. Thus, the lending is usually for short-term liquidity needs which is usually overnight. Some lending transactions may be arranged for a longer period of time, usually up to 3 months. The inter-bank money market is well established and active in Hong Kong, with an average daily turnover of HK $ 38 billion in late 1991. Lenders are mostly the locally incorporated banks and major borrowers are the foreign banks that do not have adequate deposit base in local currency.

28. What can be determined through inter-bank lending and borrowing？

29.How long is the usual period of short-term liquidity needed by banks？

30.Who are the major lenders in the inter-bank market？

(28)

A．A long-term interest rate.

B．A long-term loan.

C．A short-term interest rate.

D．A short-term loan.

短文理解

听力原文： Credit card fraud is a big problem. Card fraud in the U.S. involving bank cards alone totaled $ 680 million last year, which represented an increase of more than 35% over a 10-year period. However, the tide is beginning to turn, and the growth percentage of fraud is diminishing technologies are becoming more widely used. In 1994, Visa card fraud in the U. S. was as new equal to the figure posted in 1992. At Master Card, bogus card transactions rose 14% from 1993 to 1994. Even so, the growth rate has slowed considerably from the beginning of the decade. That looks good news for bankers and for average card holders as well.

21. What is the passage mainly about？

22.How much did bank card fraud involve in U.S. last year？

23.What conclusion can we draw concerning card fraud？

(21)

A．Bank card business.

B．Bank card fraud.

C．Technologies used in bank.

D．International card fraud.

短文理解

听力原文： The Chinese currency is the Renminbi. China has maintained a unified managed floating exchange rate since January 1994. The exchange rate of the Renminbi is determined by the inter-bank foreign exchange market. The People' s Bank of China announces a reference rate for the Renminbi against the US dollar, the Hong Kong dollar, and the Japanese yen based on the weighted average price of foreign exchange transactions during the previous day's trading. Daily movement of the exchange rate of the Renminbi against the US dollar in inter-bank foreign exchange market is limited to 0.3% on either side of the reference rate as announced by the PBC. The buying and selling rates of the Renminbi against the Hong Kong dollar and the Japanese yen may not deviate more than 1% on either side of the reference rate. In the case of other currencies, the deviation may not exceed 0.5% on either side of their respective rates.

21. When did China begin to maintain a unified managed floating exchange rate？

22.Who determines the exchange rate of the Renminbi？

23.What is the deviation allowed on daily movement of the exchange rate of Renminbi against the US dollar？

(21)

A．1992

B．1993

C．1994

D．1995