如果一个英语专业的英专生大学四年没有考过专四专...

【10】

SECTION A MINI-LECTURE

Directions: In this section you sill hear a mini-lecture. You will hear the lecture ONCE ONLY. While listening, take notes on the important points. Your notes will not be marked, but you will need them to complete a gap-filling task after the mini-lecture. When the lecture is over, you will be given two minutes to check your notes, and another ten minutes to complete the gap-filling task on ANSWER SHEET ONE. Use the blank sheet for note-taking.

听力原文： Good morning, everyone. First about your second assignment. I'd like to remind you that your second assignment should be in by next Fri day. You can either put it in my pigeon hole, or leave it with the Department's secretary. Now, let's get down to the lecture.

Today, the lecture is on credit, er, or to be more specific, on credit cards. I'm sure you must have heard of some credit cards, like the VI SA card, which is an internationally used card, or the Great Wall card issued by the Bank of China, In order to give a better understanding, we'll discuss it in some detail.

Many businesses, such as department stores, restaurants, hotels and airline companies, use a credit system for selling their products and services. In a credit system, the seller agrees to sell something to the buyer without immediately receiving cash. He receives the goods or ser vices immediately and promises to pay for them later. This buy-now-pay later credit system is quite old.

There are two types of credit cards. One type is issued directly by a store to a customer. Many large department stores issue credit cards to their customers. The store credit card can be used to make purchases only at a particular store. For example, if you have a credit card from Store A, then you can only buy things in that store. Other stores would not accept it. The other kind of credit card is issued by a credit company. Credit cards from credit companies can be used to buy things almost anywhere. If you have a major credit card, you can buy airplane tickets, stay at hotels and eat at restaurant with it. Most large credit companies are connected to large banks. So if you want a credit card from a credit company, you generally have to make an application at a bank. After an applicant receives a credit card, he or she can make purchases using the

card.

The credit company sends the customer a statement of purchases at the end of each month. Generally the customer has to pay 25--50% of their credit hill every month. The customer pays directly to the credit company and the credit company pays to the store or hotel or restaurant.

There are some advantages and some disadvantages to using credit cards. The biggest advantage for the consumer is expressed by the phrase "buy now, pay later". This means that the consumer can purchase what he wants when he wants it. There is no need to save up money in advance. Another advantage of having a credit card is that it protects the owner, ff a credit card is lost or stolen, the owner only has to call the credit company and the credit company will stop the credit card number. No one else can use it. So the owner doesn't have to worry about losing the card. Another advantage of the credit card system is that the consumer receives a record of his or her purchases. Every month the credit customer receives a bill. The bill has a list of all purchases from that month. This makes it easier to remember when and where purchases are made. And another advantage is that credit cards can be used when something unexpected happens. Many kinds of professional people—plumbers, taxidrivers, doctors and dentists—will accept credit cards in an emergency. This is very important if you don't have any cash with you.

However, having said all that, using credit cards has one major disadvantage. That is, consumers tend to overspend their money. They spend more than they make. If a consumer buys a lot of th

【M2】

SECTION B INTERVIEW

Directions: In this section you will hear everything ONCE ONLY. Listen carefully and then answer the questions that follow. Questions 1 to 5 are based on an interview. At the end of the interview you will be given 10 seconds to answer each of the following five questions.

Now listen to the interview.

听力原文：Interviewer: Well Charles, I must say that your shop is pretty remarkable. Um, it's basically a sweetshop, but you also do stationery and greeting cards and tobacco and fireworks

Shopkeeper: And newspapers.

Interviewer: And newspapers. Ah. And apart from all that, you've got photocopiers...

Shopkeeper: That's right.

Interviewer: And a fax machine.

Shopkeeper: Indeed.

Interviewer: Yes. How did. I mean, why the photocopiers?

Shopkeeper: Everything that's happened in my shop has almost happened by accident. But when I got into Clifton, I needed a photocopy one day and no one could tell me where to go. So it struck me that if I didn't know where to go, other people were in the same situation, so that's why I started it. And then I added on a facsimile machine because it seemed like a natural progression at the time. And all sorts of people use it.

Interviewer: Yes, who, what sort of people do use it?

Shopkeeper: Um, a lot of professional people —surveyors, engineers — particularly people who need to send plans. Because in the past you could send messages via telex, but a telex can't express a plan, whereas facsimile has that dimension, the added dimension.

Interviewer: Right. And do people send these fax messages abroad, or is it just to this country?

Shopkeeper: Well, it's surprising because when I started, I thought I'd be sending things to London and maybe Birmingham but, in fact, a high percentage of it is sent abroad, because it's immediate, it's very speedy. You can send a message and get an answer back very quickly.

Interviewer: And how much would it cost, for example, if I wanted to send a fax to the United States?

Shopkeeper: Well, a fax to the United States would cost you five pounds for a page. And when you think that in England by the Royal Mail, it would cost you twelve pounds to send a page by special delivery, it's actually a good value.

Interviewer: OK. What about your hours? How long do you have to spend actually in the shop?

Shopkeeper: Well, the shop is open from, essentially from eight in the morning until six at night, six days a week, and then a sort of fairly flexible morning on a Sunday. Um, and of those hours, I'm in it quite a lot.

Interviewer: And how long have you actually had the shop?

Shopkeeper: I started to have my shop in 1982, the 22nd of December, oh, sorry, the 22nd of November. It sticks in my brain.

Interviewer: And did you enjoy it?

Shopkeeper: Yes, overall I enjoy it. Running a business by yourself is jolly hard work and you never quite like every aspect all the time. 95% of the customers I love. Uh, 2% I really, you know, I'm not too bothered about. And 3% I positively hate.

Interviewer: What, What's the problem with those? Are they people who stay around and talk to you when you're busy or complain or what?

Shopkeeper: Um, it's bard to categorize really. I find people who are just totally rude, urn, unnecessary, and I don't really need their custom. And I suppose they form. the volume of the people that I don't like. But it's a very, very, very small percentage.

Interviewer: But is there a danger that shops like yours will disappear, more and more?

Shopkeeper" I think there's a very, very great danger that the majority of them will disappear.

Interviewer: Why's that?

Shopkeeper: Simply because costs of running a shop have just become very, very high. To give you some example, in the time that I've been there, my rent has quadrupled, the local property tax have doubled, other costs have gone up proportionately. And at the end of the day it is a little bit hard to try to keep u

A．cigarettes

B．exercise books

C．photocopiers

D．chocolates