英语考试阅读理解练习题及答案

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1、英语考试阅读理解练习题及答案　　WhenIBMannouncedanoverhaulofitspensionplanforemployeesinAmericalastweek,itjoinedaparadeofemployersthatareshiftingmoreresponsibilityforsavingforretirementontoworkers.FormanyAmericans,ofcourse,thisisnothingnew:millionsofthemhavebeenmanagingtheirretirementassetsinindividua

2、laccountsforyears.Nevertheless,inbothAmericaandBritaintheclosureofpaternalisticcorporatedefinedbenefitprogrammes,inwhichpensionsdependonearningsandyearsofservice,isacceleratingevenathealthycompaniessuchasIBM.Totheextentthatthiscreatesandencouragesindividualchoiceandresponsibility,itiss

3、omethingtowelcomeratherthantofear.Manyothercountries,facinghugestatepensionobligations,wouldalsoliketoseetheircitizensassumeabiggerroleinprovidingfortheirownretirement.　　Evenso,thetrendraisesanimportantquestion:howmuchdopeopleduetotakeonthesenewresponsibilitiesknowaboutbasicfinancialco

4、ncepts?Theanswerseemstobe;notmuch,andlessthantheythinktheydo.Studiesshowthatmanypeopleoverestimatetheirknowledgeofeverythingfrominflationtoriskdiversificationandcompoundinterest.OnesurveyinAustraliafoundthat37%ofpeoplewhoownedinvestmentsdidnotknowthattheycouldfluctuateinvalue.InAmerica

5、31%didnotknowthatthefinancechargeonacredit-card-statementiswhattheypaytousecredit.BritainsFinancialServicesAuthoritywillreleasetheresultsofitsownsurveyonfinancialliteracyinthenextmonthortwo.Eveneducatedprofessionalsmayknowthebasicsbutseenoneedtokeepuptodatehavingnoideaoftheinterestrate

6、sontheircreditcards,thefeesontheirmutualfundsorhowtheirinvestmentsaredoing.ButinbothAmericaandBritainlowpersonalsavingratesandrecordnumbersofpersonalbankruptciesdonotbodewell.Ifpeoplearetotakechargeoftheirpensions,shouldnttheyknowalittlemore?Intheend,ignorancecouldreboundongovernments:

7、ifpeoplesavetoolittleforoldage,thestatemayhavetoprovideforthemwilly-nilly.　　Governmentsaretakingthisveryseriously.saysBarbaraSmithoftheOrganisationforEconomicCo-operationandDevelopment,whichrecentlyproducedareportonglobalfinancial　thisweektheBritishgovern-mentlaunchedanonlinedebtcalc