2022年考博英语-江西财经大学考试题库及模拟押密卷（含答案解析）1. 单选题Some of the ideas are very simple and sound intuitively plausible. The underlined part means（ ）.问题1选项A.directlyB.reasonablyC.franklyD.instinctively【答案】D【解析】考查副词辨析。A选项directly“直接地；立即；马上”；B选项reasonably“合理地；相当地；适度地”；C选项frankly“坦率地；老实说”；D选项instinctively“本能地”。intuitively意为“直观地；直觉地”，D选项的意思最为接近。句意：有些想法非常简单，听起来觉得很有道理。2. 单选题Some people hold that, since we live in a money oriented society, the average individual cares little about solving （ ） problems.问题1选项A.anyone elsesB.anyones elseC.anyone elsesD.anyone【答案】C【解析】anyone else“别的任何人”，其所有格形式应在else后，即anyone else；anyone不应分开写，else不是名词，没有复数形式。3. 单选题For decades, people had continued to pay down mortgages until their last cent was spent. Now, increasing numbers were giving up their homes even as they continued to service other debts. Faced with a plunge in house prices across the US something that has not happened since the Great Depression of the 1930s the mortgage industry is already dealing with a surge in the numbers of people defaulting on their payments.The concern is that the losses on risky subprime mortgages could soon swell further as people with good credit history decide it is not worth continuing to make payments on houses worth less that the loan. House prices in the US are already 20 per cent from the 2006 highs and are forecast to keep falling. For many, especially those who have put little of their own money into a house, sending back the keys could be perfectly rational. The practice has given a name in the industry “jingle mail” and there are even companies specializing in helping people with the decision. Youwalkway.com, one such service, almost makes it sound an alluring prospect, “what if you could live payment-free for up to eight months or more and walk away without owing a penny?” the website asks.Larry Rosenberger, arguably one of the most experienced crunchers of consumer debt statistics around, was meeting the consortium of mortgage lenders to talk about analyzing their data from clues about which people in negative equity could be expected to keep paying down their mortgages. They said, “were getting killed with losses, can we figure out more accurately who will do what, so we can be more accommodating with some borrowers but not with others,” Mr. Rosenberger says.The accuracy of the models used by the likes of Mr. Rosenberger to flag good and bad customers could make a huge difference to the losses that lenders eventually have to absorb losses that will, in turn, determine the availability of fresh funds for new loans. His approach was to seek clues to peoples future actions in their past behaviors. For example, people with children at local schools may be less likely to walk away than people without school-age children. People with mortgages on second homes may be more likely to give up the investment.26. Which of the following is NOT true according to Paragraph 1?27. People stop paying house mortgages because（ ）.28. The worrying situation in mortgage industry（ ）.29. What do you think Larry Rosenberger does?30. What does the underlined word “flag” mean in Paragraph 4?问题1选项A.The pattern that people pay down mortgages has changed recently.B.The last time that house prices dropped so rapidly was the Great Depression.C.People stop paying mortgages for not only houses but also everything else.D.The mortgage industry is facing a big challenge because people can no longer pay their debts.问题2选项A.they find that their houses are worth less than the loanB.their credit cards are closed and they have gone bankruptcyC.they do not have a good credit history and fail to get the loanD.they can live in the house without paying anything问题3选项A.is accompanied by a new mailing service called “jingle mail”B.is worsened by the new business such as Youwalkaway.comC.is caused by those people who have invested little in housingD.can be changed if people become more rational and law-abiding问题4选项A.He crunches consumers so that they will pay their debts.B.He provides borrowers financial information to mortgage lenders.C.He analyses the lenders data to predict what customers will do.D.He uses his experience to help the lenders avoid risks.问题5选项A.a symbolB.a signalC.to identifyD.to attract【答案】第1题:C第2题:A第3题:A第4题:C第5题:C【解析】26.【试题答案】C【试题解析】事实细节题。根据第一段第2句Now, increasing numbers were giving up their homes even as they continued to service other debts（现在，越来越多的人放弃了他们的房子，即使他们继续偿还其他债务）可推断出，C选项“人们不仅停止支付房屋抵押贷款，而且停止支付其他所有抵押贷款”的表述是不正确的，因此C选项符合题意。27.【试题答案】A【试题解析】事实细节题。根据第二段第一句中的people with good credit history decide it is not worth continuing to make payments on houses worth less that the loan（拥有良好信用记录的人认为，继续支付价值低于贷款的房屋是不值得的）可知，A选项“他们发现他们的房子的价值低于贷款”正确。28.【试题答案】A【试题解析】判断推理题。根据第二段第四句The