第4部分：阅读理解(第31～45题，每题3分，共45分)
      下面有3篇短文，每篇短文后有5道题，每题后面有4个选项。请仔细阅读短文并根据短文回答其后面的问题，从4个选项中选择1个最佳答案涂在答题卡相应的位置上。
  第一篇
                                 How Do American Consumers Borrow .9
     Young consumers often have not established their credit ratings. Many do not have steady incomes. They might have difficulty borrowing money from an agency in business to make loans. parents or relatives are usually their best source of loans. of course, the parents or relatives would have to have money available and be willing to lend it. You might even get an interest-free loan. However, a parent or relative who lends should receive the same interest as any other lender.
      There are disadvantages in borrowing from parents or relatives. one is that they may not insist on you paying back the money by a certain time. As a result, you might let the loan drag on. This is especially true if you are not required to pay interest. This is not a way to develop good credit habits.
      For most consumers, the cheapest place to borrow is at a commercial bank. Banks are a good source of installment loan which may run for 12 months or up to 30. Most banks also make single payment loans to consumers for short periods--30,60 ,or 90 days.
     The newest type of bank loan is one that a depositor can get simply by writing a check. It is usually called something like ready credit or reserved checking. It works like this. A depositor iS given a limited amount of credit, usually between $500 and $1,000. He or she may write checks up to the amount allowed. once a cheek has been written, the amount of the check becomes a loan.
  Usually no charge is made for interest until the loan is made. A typical interest rate is 3 cents per  $100 per day,or just under 1 percent a month. Suppose that you used $100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.
  The advantage of borrowing from a bank is that banks generally charge lower rates than most other lenders. one reason is that banks have more strict credit requirements than most other lenders. A consumer must have a fairly good credit rating to get a bank loan.
  
  31  According to the first paragraph, young people
       A  have difficulty borrowing from their parents or relatives.
       B  cant get an interest-free loan from their parents or relatives.
       C  always borrow money from an agency.
       D  usually borrow from their parents or relatives.
  32  one of the disadvantages in borrowing from parents or relatives is that
       A  parents or relatives will ask the young people to pay back soon.
       B  it will not help young people to develop a good credit habit.
       C  they always charge interest.
       D  they always charge higher rates than other lenders.
  33  Most commercial banks offer
       A  installment loans that may run from 12 to 36 months.
       B  installment loans that may run from 30 to 90 days.
       C  single-payment loans that may run from 30 to 90 days.
       D  single-payment loans that may run from 12 to 36 months.
  34  Ready credit or reserved checking
       A  is designed to give the depositor a check.
       B  allows the depositor to write a check to pay any amount.
       C  allows the depositor to borrow money from a bank by writing a check.
       D  allows the depositor to charge an interest.
  35  Which of the following is NoT true?
       A  The newest type of bank loan is simple to get.
        B  Bank loans are more difficult to get.
        C  Banks charge higher interest rates.
        D  Banks offer loans to those having a fairly good credit rating.
  第二篇                TV Goes Digital
      Coming soon to your TV:views of the hottest live basketball plays from any seat in the stadium. What a better look at that three-point shot? Call for a replay from behind the basket. or better yet, follow the view of the ball as it goes through the net.
      While watching, you might use a built-in speakerphone to talk with a fan in the stands. or send the score via e-mail to your father in Japan. Sounds impossible? It won t be when the computerized television industries combine to create digital TV-machines that receive, send, store, and manipulate TV programs the way computers now manipulate other data.
      Industry and government representatives recently reached an agreement on how this technology will take place. New digital TVs that allow current TVs to receive digital signals may hit stores by next spring.
     To understand how the digital revolution will change the way you watch TV it helps to know how TVs work now. Today, TV networks such as CBS and Fox broadcast TV shows as analogue electrical signals. These signals travel via the airwaves, satellites, or cable as a continuous stream of electromagnetic energy(like light and radio waves). But this system leaves a lot of room for error. The main problem is that interference can change the voltage of the signal as it travels. This may result in a distorted or miscolored picture. If we send out the signal in a form that is nearly free from interference-binary(两位数的)code, pictures and colors are not distorted.
     You Il need to buy a new TV to receive these signals. And the new sets may cost 1,000 US dollars more than today s TVs. But they 11 come with other benefits that may make the price worthwhile. For one thing, the screens will be wider, like movie screens. In addition, the color will be richer. And you 11 also get digital CD-quality sound.

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