12月英语六级真题及答案(2)(1).doc

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1、2021年12月年夜 学英语六级(CET-6)真题试卷Part I Writing (30 minutes)Direction: For this part, you are allowed 30 minutes to write an essay entitledMan and Computerby commenting on the saying, The real danger is not that the computer will begin to think like man, but that man will begin to think like the computer.

2、 You should write at least 150 words but no more than 200 words.On Maintaining Trust Part II Reading Comprehension (Skimming and Scanning) (15 minutes)Directions: In this part, you will have 15 minutes to go over the passage quickly and answer the questions on Answer Sheet 1.For questions 1-7, choos

3、e the best answer from the four choices marked A), B), C) and D). For questions 8-10, complete the sentences with the information given in the passage.Rates are low, but consumers wont borrowThe US Federal Reserve(Fed)s announcement last week that it intended to keep credit cheap for at least two mo

4、re years was a clear invitation to Americans: Go out and borrow. But many economists say it will take more than low interest rates to persuade consumers to take on more debt. There are already signs that the recent stock market fluctuations, turbulence in Europe and the US deficit have scared consum

5、ers. On Friday, preliminary data showed that the Thomson Reuters/University of Michigan consumer sentiment index had fallen this month to lower than it was in November 2020, when the United States was deep in recession. Under normal circumstances, the Feds announcement might have attracted new home

6、and car buyers and prompted credit card holders to rack up fresh charges. But with unemployment high and those with jobs worried about keeping them, consumers are more concerned about paying off the loans they already have than adding more debt. And by showing its hand for the next two years, the Fe

7、d may have thoughtlessly invited prospective borrowers to put off large purchases. Lenders, meanwhile, are still dealing with the effects of the boom-gone-bust and are forcing prospective borrowers to go to extraordinary lengths to prove their creditworthiness. I dont think lenders are going to be i

8、nterested in extending a lot of debt in this environment, said Mark Zandi, chief economist of Moodys Analytics, a macroeconomic consulting firm. Nor do I think households are going to be interested in taking on a lot of debt. In housing, consumers have already shown a slow response to low rates. App

9、lications for new mortgages have decreased this year to a 10-year low, according to the Mortgage Bankers Association. Sales of furniture and furnishings remain 22% below their pre-recession peak, according to Spending Pulse, a research report by MasterCard Advisors. Credit card rates have actually g

10、one up slightly in the past year. The one bright spot in lending is the number of auto loans, which is up from last year. But some economists say that confidence among car buyers is hitting new lows. For Xavier Walter, a former mortgage banker who with his wife, Danielle, accumulated$20 000 in credi

11、t card debt, low rates will not change his spending habits. As the housing market topped out five years ago, he lost his six-figure income. He and his wife were able to modify the mortgage on their four-bedroom house in Medford, New Jersey, as well as negotiate lower credit card payments. Two years

12、ago, Mr. Walter, a 34-year-old father of three, started an energy business. He has sworn off credit. Im not going to go back in debt ever again, he said. If I cant pay for it in cash, I dont want it. Until now, one of the biggest restraints on consumer spending has been a debt aftereffect. Since Aug

13、ust 2020, when household debt peaked at$12.41 trillion, it has declined by about$1.2 trillion, according to an analysis by Moodys Analytics of data from the Federal Reserve and Equifax, the credit agency. A large portion of that, though, was simply written off by lenders as borrowers defaulted on lo

14、ans. By other measures, households have improved their position. The proportion of after-tax income that households spend to remain current on loan payments has fallen. Still, household debt remains high. That presents a paradox: many economists argue that the economy cannot achieve true health unti

15、l debt levels decline. But credit, made attractive by low rates, is a time-tested way to increase consumer spending. With new risks of another downturn, economists worry that it will take years for debt to return to manageable levels. If the economy contracts again, said George Magnus, senior advise

16、r at UBS, then you could find a lot of households in a debt trap which they probably can never get out of. Mortgage lenders, meanwhile, burned by the housing crash, are extra careful about approving new loans. In June, for instance, Fannie Mae, the largest mortgage buyer in the United States, said t

17、hat borrowers whose existing debt exceeded 45 to 50% of their income would be required to have stronger compensating factors, which might include higher savings. Even those borrowers in strong financial positions are asked to provide unusual amounts of paperwork. Bobby and Katie Smith have an extrem

18、ely good credit record, tiny student debt and a combined six-figure income. For part of their down payment, they planned to use about$5 000 they had received as wedding gifts in February. But the lender would not accept that money unless the Smiths provided a certified letter from each of 14 guests,

19、 stating that the money was a gift, rather than a loan. We laughed for a good 15 or 20 minutes. recalled Mr. Smith. 34. Mr. Smith, a program director for a radio station in Orlando, Florida, said they ended up using other savings for their down payment to buy a$300 000 four-bedroom house in April. F

20、or those not as creditworthy as the Smiths, low rates are irrelevant because they no longer qualify for mortgages. That leaves the eligible pool of loan applicants wealthier, older and whiter, said Guy Cecala, publisher of Inside Mortgage Finance. Its creating much more of a divide, he said, between

21、 the haves and the have-nots. Car shoppers with the highest credit ratings can also get loans more easily, and at lower rates, said Paul C. Taylor, chief economist of the National Automobile Dealers Association During the recession, inability to obtain credit severely cut auto buying as lenders reje

22、cted even those with good credit ratings. Now automakers are increasing their subprime次级债的lending again as well, but remain hesitant to approve large numbers of risky customers. The number of new auto loans was up by l6% in the second quarter compared with the previous year, said Melinda Zabritski,

23、director of automotive credit at Experian, the information services company. But some economists warn that consumer confidence is falling. According to CNW Marketing Research, confidence among those who intend to buy a car this year is at its lowest since it began collecting data on this measure in

24、2000. On credit cards, rates have actually inched higher this year. largely because of new rules that curb the issuers ability to charge fees or raise certain interest rates at will. At the end of the second quarter, rates averaged 14. 01% on new card offers, up from 13. 75% a year earlier, accordin

25、g to Mail Monitor, which tracks credit cards for Synovate, a market research firm. According to data from the Federal Reserve, total outstanding debt on revolving credit cards was down by 4. 6% during the first half of the year compared with the same period a year earlier. Even if the Feds announcem

26、ent helps keep rates steady. or pushes them down, businesses do not expect customers to suddenly charge up a storm. Its not like, Oh, credit is so cheap. lets go back to the heydays壮盛 时代 ,said Elizabeth Crowell, who owns Sterling Place, two high-end home furnishing and gift stores in New York. Peopl

27、e still fear for their jobs. So I think where maybe after other recessions they might return to previous spending habits, the pendulum hasnt swung back the same way. 留意：此局部试题请在答题卡1上作答。 1 .What is the purpose of the announcement issued by the US Federal Reserve last week? A) To help reduce the debt b

28、urden on consumers. B) To force the banks to lower their interest rates. C) To encourage consumers to get more bank loans. D) To prevent further fluctuations in the stock market. 2. Why are people reluctant to take on more debt despite the low interest rates? A) They are afraid of losing their good

29、credit ratings. B) They are pessimistic about employment prospects. C) They have little faith in the Feds financial policies. D) They expect the Fed to further lower interest rates. 3. What does the author say about lenders in the current credit market? A) They are becoming more cautious. B) They ar

30、e eager to offer more loans. C) They advise prospective borrowers to put off large purchases. D) They are only concerned about how much they can get back. 4. What does the author want to say by citing Xavier Walters case? A) Not many Americans can afford to pay in cash these days. B) The Feds polici

31、es exert a strong influence on borrowers. C) People now wont buy things unless they have the money. D) It is beneficial for Americans to borrow in times of recession. 5. What is the economists concern regarding the current economy? A) Consumers unwillingness to spend. C) The ever-lowering interest r

32、ates. B) Banks inability to recover debt. D) The unmanageable debt levels. 6. What do we learn from the Smiths story? A) It is very difficult for people to build up a good credit record. B) A certain amount of savings is needed for one to buy a house. C) The purchase of a house will plunge young cou

33、ples into heavy debt. D) Mortgage lenders are now careful about borrowers qualifications. 7. According to Guy Cecala, the banks policy on mortgage lending will result in_. A) a wider gap between the rich and the poor B) a bigger down payment for house buyers C) a higher debt level for the less wealt

34、hy D) a greater pressure on senior buyers 8. During the recession, the number of car buyers decreased because it was difficult to_. 9. Credit card interest rates have gradually increased recently because new rules do not allow the issuers to raise certain interest rates or_. 10. According to Elizabe

35、th Crowell, the current recession, unlike previous ones, has not seen a swing back in peoples_. Part IIIListening Comprehension35 minutesSection ADirections:In this section, you will hear 8 short conversations and 2 long conversations. At the end of each conversation, one or more questions will be a

36、sked about what was said. Both the conversation and the questions will be spoken only once. After each question there will be a pause. During the pause, you must read the four choices marked A, B, Cand D, and decide which is the best answer. Then mark the corresponding letter onAnswer Sheet 2with a

37、single line through the centre.11. A) She can count on the man for help. C) She can lend the man a sleeping bag. B) She has other plans for this weekend. D) She has got camping gear for rent. 12. A) The man should keep his words. C) Karen always supports her at work. B) She regrets asking the man fo

38、r help. D) Karen can take her to the airport 13. A) He cant afford to go traveling yet. C) He usually checks his brakes before a trip B) His trip to Hawaii was not enjoyable. D) His trip to Hawaii has used up all his money. 14. A) There was nothing left except some pie. C) The woman is going to prep

39、are the dinner. B) The man has to find something else to eat. D) Julie has been invited for dinner. 15. A) Submit no more than three letters. C) Apply to three graduate schools. B) Present a new letter of reference. D) Send Professor Smith a letter. 16. A) He declines to join the gardening club. B)

40、He is a professional gardener in town. C) He prefers to keep his gardening skills to himself. D) He wishes to receive formal training in gardening. 17. A) Sculpture is not a typical form of modern art. B) Modern art cannot express peoples true feelings. C) The recent sculpture exhibit was not well o

41、rganized. D) Many people do not appreciate modern art. 18.A) Bob does not have much chance to win. C) Bob cannot count on her vote. B) She will vote for another candidate. D) She knows the right person for the positionQuestions 19 to 22 are based on the conversation you have just heard.19. A) Poor m

42、anagement of the hospital. C) Decisions made by the head technician. B) The health hazard at her work place. D) The outdated medical testing procedures. 20. A) Transfer her to another department. C) Cut down her workload. B) Repair the X-ray equipment. D) Allow her to go on leave for two months. 21

43、.A) They are virtually impossible to enforce. C) Both of them have been subject to criticism. B) Neither is applicable to the womans case. D) Their requirements may be difficult to meet. 22. A) Organize a mass strike. C) Try to help her get it back. B) Compensate for her loss. D) Find her a better p

44、aying job. Questions 23 to 25 are based on the conversation you have just heard.23. A) In giving concessions. C) In stating your terms. B) In the concluding part. D) In the preparatory phase. 24. A) He behaves in a way contrary to his real intention. B) He presents his arguments in a straightforward

45、 way. C) He responds readily to the other partys proposals. D) He uses lots of gestures to help make his points clear. 25. A) Both may fail when confronting experienced rivals. B) The honest type is more effective than the actor type. C) Both can succeed depending on the specific situation. D) The a

46、ctor type works better in tough negotiations.Section BDirections:In this section, you will hear 3 short passages. At the end of each passage, you will hear some questions. Both the passage and the questions will be spoken only once. After you hear a question, you must choose the best answer from the

47、 four choices marked A), B), C) and D). Then mark the corresponding letter onAnswer Sheet 2with a single line through the centre.Passage OneQuestions 26 to 29 are based on the passage you have just heard.26. A) The shape of the cubes used. C) The number of times of repeating the process. B) The size of the objects shown. D) Th