2012年12月大学英语六级(CET-6)真题试卷Part IWriting(30 minutes)Direction:For this part,you are allowed 30 minutes to write an essay entitled Man andComputer by commenting on the saying,"The real danger is not that the computer willbegin to think like man,but that man will begin to think like the computer."You shouldwrite at least 150 words but no more than 200 words.On Maintaining TrustPart II Reading Comprehension (Skimming and Scanning)(15 minutes)Directions:In this part,you will have 15 minutes to go over the passage quickly and answer thequestions on Answer Sheet 1.For questions 1-7,choose the best answer from the fourchoices marked A),B),C)and D).For questions 8-10,complete the sentences with theinformation given in the passage.The US Federal Reserve(Fed)y's announcement last week that it intended to keep credit cheapfor at least two more years was a clear invitation to Americans:Go out and borrow.But many economists say it will take more than low interest rates to persuade consumers totake on more debt.There are already signs that the recent stock market fluctuations,turbulence inEurope and the US deficit have scared consumers.On Friday,preliminary data showed that theThomson Reuters/University of Michigan consumer sentiment index had fallen this month to lowerthan it was in November 2008,when the United States was deep in recession.Under normal circumstances,the Fed's announcement might have attracted new home and carbuyers and prompted credit card holders to rack up fresh charges.But with unemployment high andthose with jobs worried about keeping them,consumers are more concerned about paying off theloans they already have than adding more debt.And by showing its hand for the next two years,theFed may have thoughtlessly invited prospective borrowers to put off large purchases.Lenders,meanwhile,are still dealing with the effects of the boom-gone-bust and are forcingprospective borrowers to go to extraordinary lengths to prove their creditworthiness."I don't think lenders are going to be interested in extending a lot of debt in this environment,"said Mark Zandi,chief economist of Moody's Analytics,a macroeconomic consulting firm."Nor doI think households are going to be interested in taking on a lot of debt."1/15In housing,consumers have already shown a slow response to low rates.Applications for newmortgages have decreased this year to a 10-year low,according to the Mortgage BankersAssociation.Sales of furniture and furnishings remain 22%below their pre-recession peak,according to Spending Pulse,a research report by MasterCard Advisors.Credit card rates have actually gone up slightly in the past year.The one bright spot in lendingis the number of auto loans,which is up from last year.But some economists say that confidenceamong car buyers is hitting new lows.For Xavier Walter,a former mortgage banker who with his wife,Danielle,accumulated$20000 in credit card debt,low rates will not change his spending habits.As the housing market topped out five years ago,he lost his six-figure income.He and his wifewere able to modify the mortgage on their four-bedroom house in Medford,New Jersey,as well asnegotiate lower credit card payments.Two years ago,Mr.Walter,a 34-year-old father of three,started an energy business.He hassworn off credit."I'm not going to go back in debt ever again,"he said."If I can't pay for it in cash,I don't want it."Until now,one of the biggest restraints on consumer spending has been a debt aftereffect.Since August 2008,when household debt peaked at$12.41 trillion,it has declined by about$1.2trillion,according to an analysis by Moody's Analytics of data from the Federal Reserve andEquifax,the credit agency.A large portion of that,though,was simply written off by lenders asborrowers defaulted on loans.By other measures,households have improved their position.The proportion of after-taxincome that households spend to remain current on loan payments has fallen.Still,household debt remains high.That presents a paradox:many economists argue that theeconomy cannot achieve true health until debt levels decline.But credit,made attractive by lowrates,is a time-tested way to increase consumer spending.With new risks of another downturn,economists worry that it will take years for debt to returnto manageable levels.If the economy contracts again,said George Magnus,senior adviser at UBS,then "you could find a lot of households in a debt trap which they probably can never get out of."Mortgage lenders,meanwhile,burned by the housing crash,are extra careful about approvingnew loans.In June,for instance,Fannie Mae,the largest mortgage buyer in the United States,saidthat borrowers whose existing debt exceeded 45 to 50%of their income would be required to havestronger "compensating"factors,which might include higher savings.Even those borrowers in strong financial positions are asked to provide unusual amounts ofpaperwork.Bobby and Katie Smith have an extremely good credit record,tiny student debt and acombined six-figure income.For part of their down payment,they planned to use aboutS5 000 theyhad received as wedding gifts in February.But the lender would not accept that money unless the Smiths provided a certified letter fromeach of 14 guests,stating that the money was a gift,rather than a loan."We laughed for a good 15 or 20 minutes."recalled Mr.Smith.34.2/15Mr.Smith,a program director for a radio station in Orlando,Florida,said they ended up usingother savings for their down payment to buy a$300 000 four-bedroom house in April.For those not as creditworthy as the Smiths,low rates are irrelevant because they no longerqualify for mortgages.That leaves the eligible pool of loan applicants wealthier,"older and whiter,"said Guy Cecala,publisher of Inside Mortgage Finance."It's creating much more of a divide,"hesaid,"between the haves and the have-nots."Car shoppers with the highest credit ratings can also get loans more easily,and at lower rates,said Paul C.Taylor,chiefeconomist of the National Automobile Dealers AssociationDuring the recession,inability to obtain credit severely cut auto buying as lenders rejectedeven those with good credit ratings..Now automakers are increasing their subprime(次级债的)lending again as well,but remain hesitant to approve large numbers of risky customers.The number of new auto loans was up by 16%in the second quarter compared with theprevious year,said Melinda Zabritski,director of automotive credit at Experian,the informationservices companyBut some economists warn that consumer confidence is falling.According to CNW MarketingResearch,confidence among those who intend to buy a car this year is at its lowest since it begancollecting data on this measure in 2000.On credit cards,rates have actually inched higher this year.largely because of new rules thatcurb the issuer's ability to charge fees or raise certain interest rates at will.At the end of the second quarter,rates averaged 14.01%on new card offers,up from 13.75%a year earlier,according to Mail Monitor,which tracks credit cards for Synovate,a market researchfirm.According to data from the Federal Reserve,total outstanding debt on revolving credit cardswas down by 4.6%during the first half of the year compared with the same period a year earlier.Even if the Fed's announcement helps keep rates steady.or pushes them down,businesses donot expect customers to suddenly charge up a storm."It's not like,.'Oh,credit is so cheap.let's go back to the heydays(鼎盛时期)，"，said ElizabethCrowell,who owns Sterling Place,two high-end home furnishing and gift stores in New York."People still fear for their jobs.So I think where maybe after other recessions they might return toprevious spending habits,the pendulum hasn't swung back the same way."注意：此部分试题请在答题卡1上作答。1.What is the purpose of the announcement issued by the US Federal Reserve last week?A)To help reduce the debt burden on consumersB)To force the banks to lower their interest ratesC)To encourage consumers to get more bank loans.D)To prevent further fluctuations in the stock market.2.Why are people reluctant to take on more debt despite the low interest rates?A)They are afraid of losing their good credit ratings.3/15