题文
In Western countries people have been using the installment (分期付款) plan since the first half of the twentieth century. Today, a large number of families in Great Britain buy furniture, household goods and cars by installments. In the U.S.A.,the figure is much higher than in Great Britain, and people there spend over 10 percent of their income on the installment plan.The price of an article bought on installments is always higher than the price that would be paid by cash. There is a charge for interest. The buyer pays one quarter or one third of the price as a down payment (预付定金) when the goods are delivered to him. He then makes regular payments, weekly or monthly, until the full price is paid up. The legal ownership of the goods remains with the seller until the final payment has been made.
Installment buying has advantages and disadvantages. It can help couples with small incomes to furnish their homes and start housekeeping. It increases the demand for goods, and in this way helps business and employment,There is,
however, the danger that when business is bad, installment buying may end suddenly, making business much worse. This may result in a great increase in unemployment.
If the people on the installment plan lose their jobs, they will probably not be able to make their payments. If great numbers of people are not able to pay their installment debts, there is a possibility that businessmen cannot collect their debts and will therefore lose money. If businessmen lose money or fail to make a satisfactory profit,it becomes more likely to have a depression (萧条). This is why, in some countries,the government controls the installment plan by fixing the amount of the down payment and installments to discourage people from buying more than they can pay for on the installment plan.
小题1: Which of the following is NOT TRUE about the installment plan?A．A lot of British families use the installment plan. "B．More than 10 percent of American families buy things on installments.C．Americans depend more on installment than British people do.D．Americans spend one tenth of their income on installment buying.小题2: Goods bought on installments are more expensive than goods bought by cash because_______.A．the buyer has to pay extra money as interestB．the delivery of the goods charges extra moneyC．the buyer has to pay adown paymentD．the service offered by installment plan charged extra money小题3: What will happen to a buyer if he fails to make the full payment for an item bought on installments?A．He might lose his job.B．He will stop owning the item he has bought. C．He will have to setl what he has bought.D．He will go into debt.小题4: The advantage of installment buying might include all the following EXCEPT that________.A．purchasing power is strengthenedB．employment might be increasedC．people develop a good habit of saving moneyD．young couples are able to furnish their homes小题5:In some countries, the governments control the installment plan to_______.A．increase employmentB．avoid depressionsC．ensure that businesses make good profitsD．ensure that people can pay for what they buy 题型：未知难度：其他题型
答案
小题1:B
小题1:A
小题1:B
小题1:C
小题1:D
解析
小题1:细节题：从第一段的句子：In the U.S.A.,the figure is much higher than in Great Britain, and people there spend over 10 percent of their income on the installment plan.可知美国人花费10%的收入用在分期付款上，不是10%的美国人使用分期付款。选B
小题1:细节题：从第二段的句子：The price of an article bought on installments is always higher than the price that would be paid by cash. There is a charge for interest.可知分期付款要比现金支付价格高，因为有利息。选A
小题1:细节题：从第二段的句子：The legal ownership of the goods remains with the seller until the final payment has been made.可知如果顾客不能还分期付款的全额，他就不再拥有他买的东西了。选B
小题1:排除题：文章的第三段讲的分期付款的好处：提高购买力，增加就业率，年轻夫妇可以装饰他们的家。选C
小题1:从文章的最后一段的句子：installments to discourage people from buying more than they can pay for on the installment plan.可知政府出台政策控制分期付款政策为了确保人们能付得起物品的价格。选D。
考点
据考高分专家说，试题“In Western countries.....”主要考查你对 [日常生活类阅读 ]考点的理解。日常生活类阅读
日常生活类阅读的概念：
日常生活这一话题主要涉及人们衣食住行等方面的活动。这一话题的选材主要针对人们日常的工作，生活以及学习情况。做这一类题时，最主要的是要把握好人物的活动内容，时间和地点。
日常生活类阅读题答题技巧：
【题型说明】
该类文章内容涉及到人们的言谈举止、生活习惯、饮食起居、服饰仪表、恋爱婚姻、消遣娱乐、节日起源、家庭生活等。文章篇幅短小，追根溯源，探索各项风俗的历史渊源，内容有趣。命题也以送分题为主，如事实细节题、语义转换题、词义猜测题和简单推理判断题等。虽然这类文章读起来感觉轻松，试题做起来比较顺手，但绝不能掉以轻心。因为稍不留神，就会丢分。
【备考提醒】
为了保证较高准确率，建议同学们做好以下几点：
1、保持正常的考试心态。笔者在教学中发现，越是容易的试题，同学们越是容易失分。为什么呢？因为在这种情况下，同学们极易产生麻痹思想，认为题目好做，就不引起高度重视，于是思维不发散、不周密。而命题人就是利用同学们的这一弱点，设计陷阱题。所以，无论试题难易与否，我们都要保持正常的考试心态。试题容易，不欣喜；试题难，不悲观。
2、根据前面讲到的方法，认认真真、细细心心做好事实细节题。
3、做好语义转换题。这类题是根据英语中一词多义和某些词语在文中能表达一定的修辞意义的原则而设计的。要求同学们解释某生词的含义，确定多义词或短语在文中的意思，确认文中的某个代词所指代的对象，或者对英语中特有的表达、格言、谚语进行解释。这种题要求同学们一定要根据上下文猜测词义或理解句子，切不可望文生义。
4、做好简单推理判断题。简单推理判断题要以表面文字为前提，以具体事实为依据进行推理，做出判断。这种推理方式比较直接，只要弄清事实，即可结合常识推断出合理的结论。
