Question

【题目】Everybody in this world is different from one another. But do you know that understanding differences can help you better manage your money?

As we grow up, we gradually develop a set of our own values or beliefs. These are influenced by society, our family, the education we receive and so on. Once this value system is set up, it’s not easy to change later in life.

Financial (金融) experts say that everyone also has their own belief of how to manage their finances. This is part of our value system and it has a great impact on the way we look after our money.

According to our different values, experts put us in three categories. They are: the ant, the cricket and the snail.

The ant—works first

Just like ants who work heart and soul in summer in order to store food for winter, these people don’t care about enjoying the moment. They work very hard and save money they earn so that they can enjoy life when they get old and retire. The ant loves to save but they could make more out of their money if they were willing to invest(投资) in some funds and stocks with low risk.

The cricket—fun first

The cricket wants to enjoy everything now and doesn’t think too much about the future. They even borrow money when they really want something. Many young people now belong to this group. These people have little savings. When they get old, they might have problems. They should learn to save and buy insurance(保险).

The snail—lives under pressure(压力)

The snail refers to people who make life difficult for themselves. They take big long-term loans (贷款)from the bank in order to buy things such as luxury(奢华的) houses. They are happy to take big loans even though they are not sure they can afford it. This can cause problems in the future. They should plan more carefully.

【1】Peoplewiththecharacterofthesnailwouldliketo_______.

A. enjoylifeatthemomentwithoutthinkingmuchaboutthefuture

B. livealuxurylifeatallcosts

C. putworkbeforeeverythingelse.

D. taketheriskofinvestingalargesumofmoney

【2】Ourbeliefsandvaluesareaffectedbythefollowingexcept______.

A. society B. money

C. education D. our family

【3】Thispassagemainlytalksabout_______.

A. thereactionbetweenmanandinsects

B. the problems with dealing with money

C. theinsectsinnature

D. the spendingnatureofpeople

【4】Whichofthefollowinghasthecharacterthattheauthorprefers?

A. The ants B. The cricket

C. Thesnail D. Noneoftheabove

Answer 1

【答案】

【1】B

【2】B

【3】D

【4】D

【解析】本文是一篇说明文。主要讲述了人们形成的不同的金融消费习惯。主要分为蚂蚁，蟋蟀，蜗牛三类，各具特点。

【1】细节理解题。由最后一段“They take big long-term loans (贷款)from the bank in order to buy things such as luxury(奢华的) houses. ”可知，蜗牛类人喜欢贷款购物，过着奢华的生活。故选B。

【2】细节理解题。由第二段“These are influenced by society, our family, the education we receive and so on. ”可知，我们的价值观与信仰受社会，家庭，教育等影响，与金钱无关。故选B。

【3】主旨大意题。由全文可知，根据人们不同的金融消费习惯，可以大概分为三种各具特色的类型，并依次介绍了不同的消费支出习惯。故选D。

【4】推理判断题。本文是一篇客观的说明文。以客观的角度介绍三种不同类型，并不含个人支持喜好。故选D。