2 . 听下面一段较长对话，回答以下小题。
1. What suggestion does the man make to the woman?

A．Check the car herself.

B．Think ahead before making a decision.

C．Ask someone to do the car check.

2. What is true about the car price?

A．The woman was given a discount.

B．The salesman stuck to the original price.

C．The price would be lower if paid in cash.

3. How will the man help the woman?

A．Make the payment for her.

B．Drive her car home.

C．Look after her car.

3 . How much should the man pay?

A．$15.

B．$24.

C．$30.

4 . Directions: Read the following passage. Summarize in no more than 60 words the main idea and the main point(s) of the passage. Use your own words as far as possible.

They like using the Internet. They have lots of pocket money to spend. And they spend a higher proportion of it online than the rest of us. Teenagers are just the sort of people an online seller is interested in, and the things they want to buy — games, CDs and clothing — are easily sold on the Web.

But paying online is a tricky business for consumers who are too young to own credit cards. Most have to use a parents card. They want a facility that allows them to spend money.

That may come sooner than they think: new ways to take pocket money into cyber space are coming out rapidly on both sides of the Atlantic. If successful, these products could stimulate online sales.

In general, teenagers spend huge amounts: $153 bn (billion) in the US last year and £20 bn annually in the UK. Most teenagers have access to the Internet at home or at school — 88 percent in the US, 69 percent in the UK. According to Jupiter Research, one in eight of those with Internet access has bought something online — mainly CDs and books.

In most cases, parents pay for these purchases with credit cards, an arrangement that is often unsatisfactory for them and their children. Pressing parents to spend online is less productive than pressing on the high street. They’re more likely to ask “Why” if you ask to spend some money online.

One way to help teenagers change notes and coins into cybercash is through prepaid cards such as IntenetCash in the US and Smart cards in the UK, Similar to those for pay-as-you-go mobile telephones, they are sold in amounts such as £20 or $50 with a concealed 14-digit number that can be used to load the cash into an online account.

5 . A house is the most expensive thing most people will buy. Very few people have enough money of their own to buy a home, so they have to borrow money from a bank. Borrowing money from a bank to buy a house is called “take a mortgage （抵押）”. The bank usually lends money or gives a mortgage for twenty-five years. Houses are so expensive that many people nowadays have to borrow as much as $ 50 000. In other words, they will have a $ 50 000 mortgage.

How can you get a mortgage？ When you find a house you like, you go to a bank. The bank will research you financial history and decide if they think you are a good risk. They will want to know what kind of job you have, what kind of salary you make, and how long you have had the job. They will also want to know how much money you have. In addition，the banks will require a down payment. Depending on which state you live in， the bank may require as much as 30% of the-price of the house as a down payment. The bank will then lend you the rest of the money to buy the house. Many people are never able to buy a house because they cannot save enough money for the down payment.

1. What does a house mean in the United States？

A．It is a dream which many people can hardly realize.

B．It is so expensive that many people cannot really buy them.

C．It is the most important property that many people try to buy.

D．It doesn‘t belong to people if they can’t borrow money from the bank.

2. If American people borrow money from the bank for 25 years，this means that the person who borrows____

A．has twenty-five years to pay back the money

B．has more than twenty-five years to pay back the money

C．has less than twenty-five years to pay back the money

D．has about twenty-five years to pay back the money

3. What does “down payment” refer to in the passage？

A．Money borrowed from a bank as a mortgage.

B．Money paid to a bank before the mortgages is given.

C．Interest received by a person who borrows money as the mortgages.

D．Interest charged by a bank on a mortgage.

4. The most suitable title for this passage would be _______.

A．How to Save Money on the House

B．How to Borrow Money from a Bank

C．How to Take a Mortgage

D．How to Buy a House

6 . 阅读下面材料，在空格处填入适当的内容(1个单词)或括号内单词的正确形式。

Felicity Miller, a 32-year-old British woman,     1     has a Chinese husband, still remembers the     2     (excite) when she first learned to use the “red packet” function on WeChat in 2015. She sent and grabbed some red packets in her Chinese family’s group. The rule in her family was that the person who grabbed the     3     (high) amount sent the next.

Attracted by the unique way of communicating, many foreigners     4     (join) in sending and grabbing red packets so far. Usually, the money in each packet is random. Thus the amount of money one can grab     5     (large) depends on his or her luck, from 0.01 yuan to less than 200 yuan. Many foreigners get more familiar     6     Chinese culture through “red packets”. Two years ago, when Felicity Miller was sent 5.20 or 8.88 yuan red packets, she had no clue about the     7     (hide) meanings. Now, she has not only known about     8    , but also has sent a few.

However, the popularity of virtual red packets doesn’t stop people sending paper red packets     9     (contain) real cash during the Spring Festival. It is called lucky money. In Chinese tradition, people take giving children lucky money as     10     blessing.

7 . 阅读下面材料，在空白处填入适当的内容（1个单词）或括号内单词的正确形式。

China, once famous for four inventions in ancient times, has once again showed its ability     1     (change) the world with its “new four great inventions”: electronic payments, shared bicycles, high-speed railways and online shopping.

With electronic payments, people can buy and eat     2     they want simply with a tap of their phones. Electronic payments are so convenient that they are really popular with folks. Even pancake sellers are found     3    (use) Alipay. The bikes themselves are not new,     4    the operating model of bike-sharing is innovative. Chinese companies have surprised the world with the business model of bike-sharing which     5     (include) high technologies, and are entering overseas markets such as Singapore and Britain. The launch of high-speed trains has a       6    (big) influence on people’s choice of traveling than expected. The newly launched Fuxing Hao can travel at an    7     (amaze) speed of 300 km/h, making the 1,318km joumey in five and three-quarter hours. China also takes the lead in online shopping with various e-commerce platforms.     8     the 11.11 shopping day in 2018, sales hit 10 billion yuan in the first 2 minutes after midnight and     9    (reach) 213. 5 billion by the end of the day.

Thanks to the large amounts of capital (资金) China has invested in encouraging inmovation (创新), China has entered     10     new innovative time.

8 . Working up a credit score for Walter Cavanagh has got to be a mathematical nightmare ﹣ the man has nearly 1，500 valid credit cards to his name and holds the Guinness Record for the most credit cards． Mr． Plastic Fantastic ﹣ a title given to him by Guinness World Records ﹣ is also the proud owner of the world's longest wallet， which can hold about 800 cards． But he uses it only to carry a few cards， while the rest are safely kept in bank safedeposit boxes．

Cavanagh started collecting credit cards in the late 1960s． "One of my best friends and I made a silly bet： the guy who could collect the most credit cards by the end of the year would win dinner，" he said． " I got 143 cards by the end of the year， and my friend gathered 138．" After winning that bet， Cavanagh decided to simply keep going with his unusual collection． He got credit cards from gas stations， airlines， bars， and even ice cream stores．

If there's one card missing from Cavanagh's collection， it's that from the Newberry Company． They repulsed his application for a card in the early 1970s， even though he'd collected over 100 by then． They said he had too much credit． Therefore， so far he hasn't had a Newberry card in his collection．

Cavanagh hasn't stopped applying for new cards ﹣ he's held the Guinness Record since 1971 and has no intention of letting go of it． He copies whole pages from a U．S． directory of businesses and keeps sending applications． If he receives a rejection， he writes back to the company explaining his goal and ambition． But he doesn't count useless cards in his total collection．

Thanks to all the cards to his name， Cavanagh has access to about ＄1.7 million at any moment． Despite this privilege， he has managed to maintain an excellent credit score．

The 72﹣year﹣old retired financial planner and credit expert has only one piece of advice to share： "Never use a card to buy anything you can't pay off in a couple of months． If you don't have the discipline， you shouldn't have the cards．"

1. Cavanagh began to collect credit cards when he     ．

A．owned a very long wallet

B．made a bet with his friend

C．wanted to create a Guinness Record

D．was treated to dinner by his friend．

2. What does the underlined word "repulsed" in Paragraph 3 probably mean？

A．Rejected．

B．Recalled．

C．Repeated．

D．Recognized．

3. What do the underlined words "the discipline" in the last paragraph probably refer to？

A．Having many cards to your own name．

B．Buying things by card and paying off in time．

C．Managing to own more privileges for your card．

D．Using a card to buy things as many times as possible．

4. What do we know about Cavanagh's cards？

A．Some of them are useless．

B．They are safely kept in his long wallet．

C．They have brought him fame and privilege．

D．Fewer new cards are added to his collections．

9 . No messy coins—and more importantly—no embarrassment. This is how young Chinese “go Dutch” these days—scan a QR code and pay their share via smart phones in one easy click.

It was the first time most of the 13 people at my dinner table last weekend had used the function on social networking tool WeChat. “It has made going Dutch less embarrassing and so much more fun,” said Zhou Ye, a Beijing-based journalist. “Young people think splitting bills this way is fun, and older ones may find it fashionable to do so.” Most importantly, it saves people the embarrassment of figuring out who owes what.

Splitting the bill is a relatively new idea to most Chinese. It's being popular among the young people, but for many older folks, who fear “losing face,” it feels embarrassing. At dinner parties, families and friends often fight over who will cover the expense.

Used by 600 million Chinese, WeChat is similar to WhatsApp but has many more features. One of them, WeChat Wallet, allows people to pay for almost any service by smart phones. The bill splitting function was launched last year. Owned by Chinese Internet giant Tencent, the payment platform competes with Alibaba’s Alipay, which is widely used and also has a bill splitting function.

The smart phone apps that rely on these payment platforms have transformed the lives of many urban Chinese. Massages, haircuts, house cleaning, laundry services and personal trainers can be ordered in your own home. Zhao Mengsha, 28, an editor in a magazine, enjoys a manicure (美甲) once every month, and pays half of the price charged in salons. “It's just really convenient,” she said. “I wouldn’t have thought about getting a massage at work without the apps.” Like millions of others, Zhao uses Alipay and WeChat to pay for the services. “You can make do without a wallet but can't live without your smart phone when you go out these days,” Zhao said.

1. What does the underlined phrases “go Dutch” in the first paragraph refer to?

A．pay a visit to Dutch.	B．become a person like the Dutch.
C．share expenses equally.	D．visit a website called Dutch.

2. According to the article, why do many old folks “fight” at dinner parties?

A．Because they think splitting bills funny.

B．Because they want to know who is rich.

C．Because they figure out who owes what

D．Because they want to pay the bill.

3. What do people think about WeChat wallet and Alipay wallet?

A．Neither of them will win in the competition.

B．Both of them are acceptable.

C．Smart phones with them cost a lot of money.

D．The payment platform should be improved.

4. What Zhao said in the last paragraph means ________.

A．the wallets are not necessary any more

B．she bought all that she needs through the Internet

C．she doesn’t know how to work with phones

D．the smart phone apps change people’s life

10 . 假设你是学生李华，你的外国朋友Sam最近了解到中国的“新四大发明”，并对其中的手机支付（Alipay）非常感兴趣，他来信希望你能简单地向他介绍手机支付，并且谈谈你对手机支付的看法。请你用英语给他回信。
注意：1.词数100左右；

2.可以适当增加细节，以使行文连贯。

Dear Sam,
____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Yours,

Li Hua