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Retail Banks 我們經(jīng)濟(jì)生活中規(guī)模最大的金融中介機(jī)構(gòu)是啥呢？是 Banks（銀行）。 而我們一般人通常指接觸一種一種銀行，那就是我們存錢、取錢、借貸款的 Retail Banks（零售銀行） Retail Banks 其實(shí)是在做兩件事，一件是吸收公眾的存款，回饋公眾一定利息；另一件就是發(fā)放貸款，收取一定利息作為回報(bào)。我們大部分人買房和模買車的資金的來(lái)源渠道就是零售銀行，很可能我們一輩子也離不開它了。 我們來(lái)看2個(gè)例句： As one of the major risks, credit risk's measurement and management of retail banks has always been a major task. 信用風(fēng)險(xiǎn)作為零售銀行所面臨的主要風(fēng)險(xiǎn)之一，對(duì)其進(jìn)行有效的度量和管理始終是商業(yè)銀行面臨的重大課題。 He called it a "major victory" for powerful interests like big oil companies, Wall Street banks and health insurance companies. 他聲稱，這是諸如大型石油公司、華爾街銀行及健康保險(xiǎn)公司等權(quán)勢(shì)利益集團(tuán)的“重大勝利”。 20節(jié)BEC初級(jí)、中級(jí)、高級(jí)課程 學(xué)前測(cè)試、詞匯課、各級(jí)別專項(xiàng)課 還有考前沖刺 點(diǎn)擊立即免費(fèi)聽>> 你適合考哪個(gè)級(jí)別？BEC好不好學(xué) 2個(gè)月后考試是否能順利通過(guò) 一聽即知！ 0元試學(xué)BEC初級(jí)中級(jí)高級(jí)課程 點(diǎn)擊立即免費(fèi)試學(xué)>> 點(diǎn)擊立即免費(fèi)試學(xué)>>> 祝大家順利拿證~

理了2024年12月英語(yǔ)四級(jí)閱讀理解模擬：泰國(guó)大象的生存危機(jī)，一起來(lái)看看吧。 2024年12月英語(yǔ)四級(jí)閱讀理解模擬：泰國(guó)大象的生存危機(jī) For centuries, in the countries of south and Southeast Asia the elephant has been an intimate part of the culture, economy and religion, and nowhere more so than in Thailand. Unlike its African cousin, the Asian elephant is easily domesticated (馴化). The rare so-called white elephants have actually lent the authority of kingship to its rulers and until the 1920s the national flag was a white elephant on a red background.To the early Western visitors the country's romantic name was “Land of the White Elephant”. Today, however, the story is very different. Out of work and out of land, the Thai elephant struggles for survival in a nation that no longer needs it. The elephant has found itself more or less abandoned by previous owners who have moved on to a different economic world and a westernized society. And while the elephant's problems began many years ago, now it rates a very low national priority. How this reversal from national icon (圣像) to neglected animal came about is a tale of worsening environmental and the changing lives of the Thais themselves. According to Richard Lair, Thailand’s experts on the Asian elephant and author of the report Gone Astray, at the turn of the century there may well have beenas many as 100,000 domestic elephants in the country. In the north of Thailand alone it was estimated that more than 20,000 elephants were employed in transport, 1,000 of them alone on the road between the cities of Chiang Mai and Chiang Saen. This was at a time when 90 per cent of Thailand was still forest—a habitat (棲息地) that not only supported the animals but also made them necessary to carry goods and people. Nothing ploughs through dense forest better than a massive but sure-footed elephant. By 1950 the elephant population had dropped to a still substantial 13,397, but today there are probably nomore than 3,800, with another 1,350 roaming free in the national parks. But now, Thailand’s forest coversonly 20 per cent of the land. This deforestation (采伐森林) is the central point of the elephant's difficult situation, for it has effectively put the animals out of work. This century, as the road network grew, so the elephant's role as a beast of burden declined. 練習(xí)題： Choose correct answers to the question: 1. What can we know about African elephants from the passage? A. It is easy to tame them. B. It is hard to tame them. C. They are living a better life than Asian elephants. D. Their fate is quite similar to that of Asian elephants. 2. Thailand was once called “Land of the White Elephant” because_______. A. white elephant is rarely seen and thus very special B. white elephant was a national symbol until the 1920s C. white elephant has helped kings to gain the ruling authority D. this name was so romantic that it was popular among visitors 3. Why is the Thai elephant “out of work”, according to the author? A. Because the elephants are no longer useful to their owners. B. Because their owners are westernized and neglect them. C. Because the government pays little attention to the problem. D. Because there are too many elephants and too few jobs. 4. Which of the following statements is true about the elephant population at various times? A. There were 100,000 tamed elephants at the turn of the century. B. 20,000 elephants were employed in transport in Thailand at the turn of the century. C. By 1950 the elephant population in Thailand has been quite small. D. Today the elephant population is estimated at 5,150. 5. The passage is most probably from_______. A. a travel magazine B. a history book C. a research report D. an official announcement 參考答案： 1.[B] 事實(shí)細(xì)節(jié)題。本題考查對(duì)比處。根據(jù)文章第l段第3句：和非洲象不同，亞洲象容易馴養(yǎng)，言下之意就是：非洲象不易馴養(yǎng)。答案中用tame替代原文的domesticate，意思相同。選項(xiàng)A與原文意思正好相反;選項(xiàng)C，D原文根本未提到。 2.[B] 推理判斷題。根據(jù)文章第l段第4句中的“until the 1920s the national flag was a white elephant on a red background.”可知當(dāng)時(shí)白

目中的after Hugo,由該句是的stricter，better-enforced codes可知C正確。 2.[A] 第4段開始具體介紹the house,根據(jù)該段最后一句可知，這幢房子的木制結(jié)構(gòu)用長(zhǎng)鋼筋加固了，因而特別結(jié)實(shí),故選A。 3.[D] 根據(jù)題干的數(shù)字可迅速定位至第5段首，第2、3句闡述這樣做的目的是“將房屋抬髙到暴風(fēng)雨巨浪之上,及讓巨浪能在屋下

Dividend 當(dāng)你擁有一個(gè)公司的股票，你就可以從公司的凈收益中獲取Dividend（股利、分紅）。 但是這個(gè)股利的發(fā)放不是規(guī)律性的，一切視公司的盈利狀況而定。所以股票的獲利模式主要還是來(lái)自低買高賣。 我們來(lái)看2個(gè)例句： If the company pays a dividend, a shareholder gets that piece of the company's cash flow as a consequence of share ownership. 如果公司分紅，那么作為持股人，其結(jié)果就是你從公司的現(xiàn)金流里分得了一杯羹。 The gigantic sum on Wednesday prompted some investors to call for it to use some of the cash for dividend payouts. 周三的巨額數(shù)字促使一些投資者呼吁蘋果公司拿出部分現(xiàn)金用于派發(fā)股息。 20節(jié)BEC初級(jí)、中級(jí)、高級(jí)課程 學(xué)前測(cè)試、詞匯課、各級(jí)別專項(xiàng)課 還有考前沖刺 點(diǎn)擊立即免費(fèi)聽>> 你適合考哪個(gè)級(jí)別？BEC好不好學(xué) 2個(gè)月后考試是否能順利通過(guò) 一聽即知！ 0元試學(xué)BEC初級(jí)中級(jí)高級(jí)課程 點(diǎn)擊立即免費(fèi)試學(xué)>> 點(diǎn)擊立即免費(fèi)試學(xué)>>> 祝大家順利拿證~

2024年12月英語(yǔ)四級(jí)考試在即，同學(xué)們要認(rèn)真?zhèn)淇寂?。今天為大家?guī)?lái)的是2024年12月英語(yǔ)四級(jí)閱讀理解模擬：大學(xué)專業(yè)選擇，一起來(lái)看看吧。 2024年12月英語(yǔ)四級(jí)閱讀理解模擬：大學(xué)專業(yè)選擇 One of the bitterest and most time-worm debates in student union bars up and down the country is resolved as academic research confirms that in financial terms at least, arts degrees are a complete waste of time.Getting through university boosts students’earnings by 25%, on a weighted average, or $220,000 over theirlifetime, according to Professor Ian Walker of Warwick University-but if they study Shakespeare or the peasants’revolt instead of anatomy of contract law, those gains are likely to be completely wiped out. The government is about to allow universities to charge students up to $3,000 a year for their degrees, arguing that it’s a small price to pay compared with the financial rewards graduates reap later in life. But Prof. Walker’s research shows there are sharp variations in returns according to which subject a student takes. Law, medicine and economics or business are the most lucrative choices, making their average earnings 25% higher, according to the article, published in the office for national statistics’monthly journal. Scientists get 10-15% extra. At the bottom of the list are arts subjects, which make only a “small ”differenceto earnings- a small negative one, in fact. Just ahead are degrees in education-which leave hard pressed teachers anaverage of 5% better off a year than if they had left school at 18. “it’s hard to resist the conclusion that what students learn does matter a lot; and some subject areas givemore modest financial returns than others,” Prof. Walker said. As an economist, he was quick to point outthat students might gain non-financial returns from arts degrees:”Studying economics might be very dull, forexample, and studying post-modernism might be a lot of fun.” 練習(xí)題： Choose correct answers to the question: 1.What is the best title for the passage? A.Professor Walker’s Research B.How to Make Big Money. C.Differences Between Science and Arts Degrees. D.Studying Arts Has Negative Financial Outcome. 2.Universities charge students a rather high tuition mainly because_____ provide the students with very prosperous subjects to learn assume that their graduates can earn much more than they had paid don’t get financial support from the government need much revenue to support the educational expenses 3.The word “l(fā)ucrative”(Line 1, Para. 4) most probably means _____ le ve able le 4.Law, medical and business graduates could earn 25% more than ______ ion graduates graduates who had not studied at the university average income 5.We can safely conclude that the author ______ s arts degrees as meaningless this result disappointing and unfair the students to think twice before they decide what to learn in college that arts degrees are still rewarding despite its scarce financial returns 參考答案： 1.[D] 主旨大意題。本文為Walker教授的研究成果，旨在說(shuō)明不同專業(yè)的畢業(yè)生有不同的經(jīng)濟(jì)回報(bào)，并非要傳授發(fā)財(cái)心得或者比較文理科的異同。文章首句即為本題解題關(guān)鍵，故D正確。 2.[B] 事實(shí)細(xì)節(jié)題。定位至第3段第1句。本文只有這一句與收取學(xué)費(fèi)有關(guān)，后一個(gè)分句即前一個(gè)分句的理由，抓住其中隱含的因果關(guān)系就不難找到正確答案。 3.[C] 詞義理解題。通過(guò)下文數(shù)據(jù)earnings 25% higher和get 10-15% extra可以推測(cè)lucrative大意應(yīng)為“給人帶來(lái)豐厚收入的”,故選C。 4.[C] 事實(shí)細(xì)節(jié)題。第4段中出現(xiàn)了幾個(gè)比較數(shù)字，考題要求找到此段首句提到的收人增加25%的參照點(diǎn)。第2段第1句中的Getting through university 表明這類學(xué)生收人增加25%的參照對(duì)象是沒讀大學(xué)的人，且從第4段第3句中的the list和第4句即可以確定這一段是在比較大學(xué)畢業(yè)與18歲畢業(yè)(即沒讀大學(xué))收入的不同，因此C正確。 5.[D] 推理判斷題。結(jié)論往往出現(xiàn)在文章結(jié)尾,要想答對(duì)此題,一定要仔細(xì)體會(huì)本文末句。本文雖然重點(diǎn)討論文科沒有經(jīng)濟(jì)效益，但是作者并沒有做出主觀判斷，故A、B、C都不正確，而作者在文章最后講到了人文學(xué)科雖然經(jīng)濟(jì)效益不佳但學(xué)習(xí)過(guò)程更有趣，故D符合作者意思。 以上就是關(guān)于“2024年12月英語(yǔ)四級(jí)閱讀理解模擬：大學(xué)專業(yè)選擇”的全部?jī)?nèi)容啦，祝同學(xué)們考試順利。

重要的是表達(dá)清楚，用詞造句準(zhǔn)確。 只要單詞拼寫、句子表達(dá)正確，就算用的都是基本詞匯句型，也不會(huì)丟很多分的。 在保持準(zhǔn)確的基礎(chǔ)上，再熟練掌握一些高級(jí)的短語(yǔ)、詞組、句式，才能為作文加分~ 03 書寫--干凈整潔 卷面書寫決定了最初印象分！ 閱卷老師10s批一篇作文，內(nèi)容寫得再好，字體潦草，卷面臟亂……它就是顯得不高級(jí)！就是不能得高分！ 這干凈整潔的卷面，不管內(nèi)容高不高級(jí)，老師看了就想給高分！這就是差距！ 卷面一定要整潔，寫錯(cuò)了劃掉都行，千萬(wàn)不要涂黑疙瘩！再著急也要一筆一劃寫清楚，讓閱卷老師閱讀無(wú)障礙。 四六級(jí)作文萬(wàn)能模板 01 對(duì)比/正反觀點(diǎn)分析型 首段--引出話題： When it comes to______, opinions differ(vary) from one to another

2024年12月英語(yǔ)四級(jí)考試在即，同學(xué)們要認(rèn)真?zhèn)淇寂?。今天為大家?guī)?lái)的是2024年12月英語(yǔ)四級(jí)閱讀理解模擬：超導(dǎo)材料，一起來(lái)看看吧。 2024年12月英語(yǔ)四級(jí)閱讀理解模擬：超導(dǎo)材料 The stone age, The Iron Age. Entire epochs havebeen named for materials. So what to call thedecades ahead? The choice will be tough. Welcometo the age of superstuff. Material science -- once theleast sexy technology – is bursting with new, practical discoveries led by superconducting ceramicsthat may revolutionize electronics. Butsuperconductors are just part of the picture: from house and cars to cook pots and artificialteeth, the world will someday be made of different stuff. Exotic plastics, glass and ceramics willshape the future just as surely as have genetic engineering and computer science. The key to the new materials is researchers’ increasing ability to manipulate substances atthe molecular level. Ceramics, for example, have long been limited by their brittleness. Butby minimizing the microscopic imperfections that cause it, scientists are making far strongerceramics that still retain such qualities as hardness and heat resistance. Ford Motor Co. nowuses ceramic tools to cut steel. A firm called Kyocera has created a line of ceramic scissorsand knives that stay sharp for years and never rust or corrode. A similar transformation has overtaken plastics. High-strength polymers now formbridges, ice-skating rinks and helicopter rotors. And one new plastic that generates electricitywhen vibrated or pushed is used in electric guitars, touch sensors for robot hands and karatejackets that automatically record each punch and chop. Even plastic litter, which oncethreatened to permanently blot the landscape, has proved amenable to molecular tinkering. Several manufacturers now make biodegradable forms; some plastic six-pack rings forexample, gradually decompose when exposed to sunlight. Researchers are developing ways tomake plastics as recyclable as metal or glass. Besides, composites – plastic reinforced withfibers of graphite or other compounds – made the round-the-world flight of the voyagerpossible and have even been proved in combat: a helmet saved an infantryman’s life bydeflecting two bullets in the Grenada invasion. Some advanced materials are old standard with a new twist. The newest fiberoptic cablethat carry telephone calls cross-country are made of glass so transparent that a piece of 100 miles thick is clearer than a standard window pane. But new materials have no impact until they are made into products. And that transitioncould prove difficult, for switching requires lengthy research and investment. It can be said afirmer handle on how to move to commercialization will determine the success or failure of acountry in the near future. 1. How many new materials are mentioned in this passage? [A] Two [B] Three [C] Four [D] Five 2. Why does the author mention genetic engineering and computer science? [A] To compare them with the new materials. [B] To show the significance of the new materials on the future world. [C] To compare the new materials to them. [D] To explain his view point. 3. Why is transition difficult? [A] Because transition requires money and time. [B] Because many manufacturers are unwilling to change their equipment. [C] Because research on new materials is very difficult. [D]Because it takes 10 years. 4. Where lies success of a country in the New Age of superstuff? [A] It lies in research. [B] It lies in investment. [C] It lies in innovation. [D] It lies in application. Vocabulary 1. superstuff 超級(jí)材料 2. superconducting ceramic 超導(dǎo)陶瓷 3. exotic 神奇的 4. shape 塑造，成型 5. brittleness 脆性 6. polymer 聚合體 7. karate jacket 空手道外衣 8. touch sensor 觸及傳感器 9. each punch and chop 每一個(gè)擊、打 10. blot 玷污，損害風(fēng)景的東西 11. tinker 修補(bǔ)，調(diào)整 12. amendable 服從于，遵循的 13. biodegradable 能生物遞減分解的 14. six-pack rings 放六個(gè)罐子的環(huán)狀物 15. decompose 分解 16. recyclable 可

沒寫，只有你寫了，哪怕你翻譯的有很多錯(cuò)誤，你也可以拿到滿分。 當(dāng)然，這種情況幾乎不可能出現(xiàn)。 把710分的滿分看成100分，各題型的分值分別如下： ?聽力部分為35分： 前15題每題1分，后10道題每題2分。 ?閱讀部分為35分： 選詞填空每題0.5分，總計(jì)5分； 信息匹配題每題1分，總計(jì)10分； 仔細(xì)閱讀每題2分，總計(jì)20分。 ?寫作部分15分。 ?翻譯部分15分。 用這個(gè)方法計(jì)算，根據(jù)往年的經(jīng)驗(yàn)： ??四級(jí)一般能考到55分基本就穩(wěn)過(guò)四級(jí)425分； ??六級(jí)一般考到57分，通過(guò)六級(jí)425分的概率很大。 寫作和翻譯，無(wú)法估計(jì)具體的分?jǐn)?shù)，但我們也可以算個(gè)大概。 自己先看看作文和翻譯的范文，然后對(duì)比自己的寫的： ◎如果整體沒什么錯(cuò)誤，11-13分； ◎如果有個(gè)別小錯(cuò)誤，8-10分； ◎如果錯(cuò)誤很多，5-7分 ◎如果完全跑題，4分及以下。 大家可以按照上面這個(gè)方法，去對(duì)對(duì)答案，然后計(jì)算一下自己的成績(jī)哦~

很多同學(xué)對(duì)英語(yǔ)六級(jí)作文部分非常的頭痛，其實(shí)這塊是比較容易得分的，您可以多看看作文模板，掌握一些高級(jí)句式，或者是高級(jí)詞匯，就比較容易得分，滬江小編為您精心整理了一些六級(jí)作文模板，希望對(duì)大家有幫助。 1、分析原因解決問題型 With the development of the society, with the advent of _____________ (相關(guān)事物或現(xiàn)象), we have to face a problem that ______________________ (主題問題). What are the reasons for it? In the following

理了2024年12月英語(yǔ)四級(jí)閱讀理解模擬：電視有害，一起來(lái)看看吧。 2024年12月英語(yǔ)四級(jí)閱讀理解模擬：電視有害 Yes, but what did we use to do before there wastelevision? How often we hear statements like this! Television hasn't been with us all that long, but weare already beginning to forget what the world was like without it. Before we admitted the one-eyed monster into our homes, we never fond it difficult to occupy our spare time. We used toenjoy civilized pleasures. For instance, we used to have hobbies, we used to entertain ourfriends and be entertained by them, we used to go outside for our amusements to theatres, cinemas, restaurants and sporting events. We even used to read books and listen to music andbroadcast talks occasionally. All that belongs to the past. Now all our free time is regulatedby the goggle box. We rush home or gulp down our meals to be in time for this or thatprogramme. We have even given up sitting at table and having a leisurely evening meal, exchanging the news of the day. A sandwich and a glass of beer will do anything, providing itdoesn't interfere with the programme. The monster demands and obtains absolute silenceand attention. If any member of the family dares to open his mouth during a programme, he isquickly silenced. Whole generations are growing up addicted to the telly. Food is left uneaten, homeworkundone and sleep is lost. The telly is a universal pacifier. It is now standard practice formother to keep the children quiet by putting them in the living-room and turning on the set. Itdoesn't matter that the children will watch rubbishy commercials or spectacles of sadism andviolence so long as they are quiet. There is a limit to the amount of creative talent available in the world. Every day, television consumes vast quantities of creative work. That is why most of the programmes areso bad: it is impossible to keep pace with the demand and maintain high standards as well. When millions watch the same programmes, the whole world becomes a village, and society isreduced to the conditions which obtain in preliterate communities. We become utterlydependent on the two most primitive media of communication: pictures and the spokenword. Television encourages passive enjoyment. We become content with second-handexperiences. It is so easy to sit in our armchairs watching others working. Little by little, television cuts us off from the real world. We get so lazy, we choose to spend a fine day insemi-darkness, glued to our sets, rather than go out into the world itself. Television may be ssplendid medium of communication, but it prevents us from communicating with each other. We only become aware how totally irrelevant television is to real living when we spend aholiday by the sea or in the mountains, far away from civilization. In quiet, naturalsurroundings, we quickly discover how little we miss the hypnotic tyranny of King Telly. 1. What is the biggest harm of TV? [A] It deprives people of communication with the real world. [B] People become lazy. [C] People become dependent on second-hand experience. [D] TV consumes a large part of one's life. 2. In what way can people forget TV? [A] Far away from civilization. [B] To a mountain. [C] By the sea. [D] In quiet natural surroundings. 3. What does a mother usually do to keep her children quiet? [A] Let them watch the set. [B] Put them in the living room. [C] Let them watch the rubbish. [D] Let them alone. 4. What does the first sentence in the first paragraph mean? [A] We found it difficult to occupy our spare time. [B] We become addicted to TV. [C] What we used to do is different from now. [D] We used to enjoy civilized pleasures. Vocabulary 1. goggle 轉(zhuǎn)動(dòng)眼珠，瞪眼 goggle box (英俚)電視機(jī) 2. gulp 狼吞虎咽 3. telly 電視機(jī) 4. pacifier 平息者，撫慰者。這里指平靜人，使人不吱聲的東西。 5. rubbishy 垃圾的，無(wú)價(jià)值的 6. sadism 施淫虐 7. glue 膠(水);粘牢 glue to the sets 和電視機(jī)粘在一起，指成了電視迷 8. hypnotic 催眠的 寫作方法與文章大意 這是一篇論說(shuō)“電視有害”的文章。采用對(duì)比分析手法。先提出問題，對(duì)比過(guò)去和現(xiàn)在“過(guò)去在業(yè)余時(shí)間，我們享受文明的歡樂，有各種嗜好，招待朋友，訪友，外出娛樂，在家讀書聽音樂……現(xiàn)在一切受