考前冲刺：2021年考研英语模拟试题(2020-10-18)

发布时间：2020-10-18

---

2021年考研初试备考还有最后的两个多月时间，相信大家也都在紧张的复习当中。在复习时，多做练习题可以让我们更加了解考试内容。下面，51题库考试学习网为大家带来考研初试的一些模拟试题，正在备考的小伙伴赶紧练起来吧。

Text 2

We’re moving into another era, as the toxic effects of the bubble and its grave consequences spread through the financial system. Just a couple of years ago investors dreamed of 20 percent returns forever. Now surveys show that they’re down to a “realistic”8 percent to 10 percent range.

But what if the next few years turn out to be below normal expectations? Martin Barners of the Bank Credit Analyst in Montreal expects future stock returns to average just 4 percent to 6 percent. Sound impossible? After a much smaller bubble that burst in the mid-1960s Standard & Poor’s 5000 stock average returned 6.9 percent a year (with dividends reinvested) for the following 17 years. Few investors are prepared for that.

Right now denial seems to be the attitude of choice. That’s typical, says Lori Lucas of Hewitt, the consulting firm. You hate to look at your investments when they’re going down. Hewitt tracks 500,000 401 (k) accounts every day, and finds that savers are keeping their contributions up. But they’re much less inclined to switch their money around. “It’s the slot-machine effect,” Lucas says. “People get more interested in playing when they think they’ve got a hot machine”—and nothing’s hot today. The average investor feels overwhelmed.

Against all common sense, many savers still shut their eyes to the dangers of owning too much company stock. In big companies last year, a surprising 29 percent of employees held at least three quarters of their 402 (k) in their own stock.

Younger employees may have no choice. You often have to wait until you’re 50 or 55 before you can sell any company stock you get as a matching contribution.

But instead of getting out when they can, old participants have been holding, too. One third of the people 60 and up chose company stock for three quarters of their plan, Hewitt reports. Are they inattentive? Loyal to a fault? Sick? It’s as if Lucent, Enron and Xerox never happened.

No investor should give his or her total trust to any particular company’s stock. And while you’re at it, think how you’d be if future stock returns—averaging good years and bad—are as poor as Barnes predicts.

If you ask me, diversified stocks remain good for the long run, with a backup in bonds. But I, too, am figuring on reduced returns. What a shame. Dear bubble, I’ll never forget. It’s the end of a grand affair.

1. The investors’ judgment of the present stock returns seems to be _____.

[A] fanciful [B] pessimistic [C] groundless [D] realistic

2. In face of the current stock market, most stock-holders_____.

[A] stop injecting more money into the stock market

[B] react angrily to the devaluing stock

[C] switch their money around in the market

[D] turn a deaf ear to the warning

3. In the author’s opinion, employees should _____.

[A] invest in company stock to show loyalty to their employer

[B] get out of their own company’s stock

[C] wait for some time before disposing of their stock

[D] give trust to a particular company’s stock

4. It can be inferred from the text that Lucent, Enron and Xerox are names of _____.

[A] successful businesses

[B] bankrupted companies

[C] stocks

[D] huge corporations

5. The author’s attitude towards the long-term investors’ decision is _____.

[A] positive [B] suspicious [C] negative [D] ambiguous

答案

1. A 2.D 3.B 4.B 5.A

总体分析

本文是介绍股票投资的经济类文章。作者先介绍了投资股票回报率的下降趋势，接着指出了投资者的错误投资行为，最后提出了建议。

第一至二段：指出投资股票回报率呈下降趋势。

第三至六段：指出许多投资者仍然在继续投资，而且很多老雇员将投资计划的重心放在了自己公司上。

第七至八段：指出投资者不应该完全信任任何一家公司，而应选择有利于长期投资的多样股。

以上就是51题库考试学习网为大家带来的全部内容，希望能给大家一些帮助。51题库考试学习网提醒：以上内容仅为参考，在做试题练习时，小伙伴们还是要以考研大纲为准，有针对性的去做题哦。最后，51题库考试学习网预祝参加2021年考研初试的小伙伴都能取得优异的成绩。

---

下面小编为大家准备了 研究生入学 的相关考题，供大家学习参考。

---

声明：本文内容由互联网用户自发贡献自行上传，本网站不拥有所有权，未作人工编辑处理，也不承担相关法律责任。如果您发现有涉嫌版权的内容，欢迎发送邮件至：contact@51tk.com 进行举报，并提供相关证据，工作人员会在5个工作日内联系你，一经查实，本站将立刻删除涉嫌侵权内容。