题目内容
"Avoid the rush-hour" must be the slogan of large cities the world over. Whenever you look, it’s people, people, people. The streets are so crowded, there is hardly room to move; when a bus arrives, it’s so full, it can’t take any more passengers. The extraordinary thing is not that people put up with (忍受，容忍) these conditions, but that they actually choose them in preference to anything else. Large modern cities are too big to control. They impose their own living conditions on the people who inhabit them. It is possible to live such an air conditioned existence in a large city that you are barely conscious of the seasons. What is going on in nature seems totally irrelevant. Even the distinction between day and night is lost. The funny thing about it all is that you pay dearly for the "privilege" of living in a city. The demand for accommodation is so great that high rents must be paid for tiny flats which even country hens would scorn (拒绝接受；鄙视) to live in. Accommodation apart, the cost of living is very high. Just about everything you buy is likely to be more expensive than it would be in the country. In addition to all these, city inhabitants live under constant threats. The crime rate in most cities is very high. If you think about it, they’re not really fit to live in at all. Can any one really doubt that the country is what man was born for and where he truly belongs It can be learned from the first paragraph that .
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Conversation 2 Questions 8 to l0 are based on the conversation you’ve just heard.
Section ADirections: This section is to test your ability to understand short dialogues. There are 5 recorded dialogues in it. After each dialogue, there is a recorded question. Both the dialogues and questions will be spoken only once. When you hear a question, you should decide on the correct answer from the 4 choices marked A), B), C) and D) given in your test paper. Then you should mark the corresponding letter on the Answer Sheet with a single line through the center.
论证有效性分析：请分析其论证在概念、论证方法、论据及结论等方面的有效性。600字左右。(论证有效性分析的一般要点是：概念及主要概念界定和使用的准确性及前后是否互相矛盾，有无各种明显的逻辑错误，论据是否支持结论，论据的成立条件是否充分。还要注意逻辑结构和语言运用。) 虽然建行研究部日前发布报告认为，我国住房按揭贷款已进入违约高风险期，所以应该采取相应措施，比如停办二手房房贷以及第二套以上新房房贷，但事实上这样的措施是完全没有必要的，因为在所有商业银行的贷款中，房贷仍然是风险最小的。根据去年公布的一份研究报告，目前中国个人消费贷款的不良资产比例只有0.6%，其他贷款的不良资产率则高达40%以上。这些个人消费贷款中，最主要的就是住房贷款。因此，住房贷款可以说是各大商业银行最好的优质资产。 还有，住房贷款在中国内地商业银行贷款总量中的比例现在还是比较低的，去年只有20%左右。而美国已经达到40%，香港则高达50%。对银行来说，欲规避贷款风险，一是控制贷款方向，二是控制总量。 目前，中国商业银行控制住房风险的能力实际上是比较强的。首先，贷款者每个月都必须回款，银行对贷款信息的掌握非常及时和充分；其次，与国有企业等其他贷款者相比，个人贷款者在银行面前完全处于弱势，往往第一个月不还款就会被催讨，第二个月不还款，银行就可以采取必要措施，直至收回被抵押的房产，因此，真正产生坏账的很少。 虽然央行连续加息会在一定程度上增加贷款者的还款压力，不过，由于近期央行加息的幅度很小，而近一年来房价普遍上扬，贷款利率的增幅实际上已经被房价的涨幅消化。央行连续加息带来的信贷成本的上升，会在一定程度上提高贷款违约风险，但是，由于住房贷款在整个贷款总量中的比例比较低，因此，自去年以来，这种变化还没有能够累加到质变的程度。
Section ADirections: This section is to test your ability to understand short dialogues. There are 5 recorded dialogues in it. After each dialogue, there is a recorded question. Both the dialogues and questions will be spoken only once. When you hear a question, you should decide on the correct answer from the 4 choices marked A), B), C) and D) given in your test paper. Then you should mark the corresponding letter on the Answer Sheet with a single line through the center.
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