首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
考研
New figures on business confidence suggest that the one place where the service sector boom is on the ebb is in the consumer sec
New figures on business confidence suggest that the one place where the service sector boom is on the ebb is in the consumer sec
admin
2022-06-13
70
问题
New figures on business confidence suggest that the one place where the service sector boom is on the ebb is in the consumer sector—hotels and restaurants, gyms and hairdressers. The twin pressures of rising inflation and slowing pay rises are squeezing household incomes. The ratio of personal debt to household income, which fell steadily in the years after the financial crisis, has now again begun to rise. Last week, new figures were published showing February brought the highest increase in credit card debt in 11 years.
The British economy’s failure to get rid of an addiction to growth fueled by an expanding consumer debt bubble is bad for consumers, and bad for the economy as a whole. It is no substitute for business investment, which the OECD has forecast will fall sharply in future years in a post-Brexit climate of uncertainty. It makes recession more likely, and, when it comes, deeper and longer. The human costs of getting into problematic debt are no less profound; people are a third more likely to develop mental health issues if they find themselves struggling with debt.
Historically, financial regulators have lacked both the power and the will to ensure that unhealthy levels of consumer debt are held in check. Customers who get into persistent debt tend, after all, to be very profitable for credit card and loan companies. Rather than help people struggling with repayments, it is in their interests to offer products that encourage consumers to use credit cards as an expensive form of long-term borrowing. The Financial Conduct Authority (FCA) estimates there are 2 million people carrying persistent debt on their credit card, defined as paying more in fees and charges over an 18-month period than the amount they borrowed in the first place.
The FCA is now consulting on a new set of rules for credit card companies. But this is too little, too late. The rules are vague and leave far too much room for the companies, which are unlikely to change their behavior without tougher action. There is too little emphasis on preventing consumers from getting into persistent debt in the first place—for example, by forcing companies to increase the very low minimum monthly payments they require from customers. It’s in the same vein as action the FCA has taken on excessive overdraft charges, leaving it up to banks to set their own maximum cap on charges, rather than enforcing a cap of its own making. None of this, however, will reduce the root causes of problematic debt.
Which of the following may be the best title for the text?
选项
A、Rising Personal Debt: More Prudence please
B、Increasing Personal Debt; Nothing Serious
C、Declining Personal Debt: Something Exciting
D、Falling Household Incomes; Something Sad
答案
A
解析
主旨题。解答主旨题,关键是通过把握各段落的主旨来把握全文主旨。各段落的主旨往往在段落的首尾句。全文的主旨,往往在首段的首尾句和最后一段的首尾句。第一段最后一句提到credit,card debt“信用卡债务”,最后一段的最后一句提到problematic debt “问题债务”,再结合中间段落,不难判断debt:“债务”为全文主题词。故可排除D项,其中没有主题词;第一段最后一句指出该问题是increase“增加”的,C项中的falling “下降”与原文描述相悖,故排除。A项和B项的区别在于后续的描述部分。在作者看来,该债务问题是亟待解决的,因此A项正确,B项错误。故本题答案为A项。
转载请注明原文地址:https://kaotiyun.com/show/2Ji4777K
0
考研英语二
相关试题推荐
Geneticengineeringholdsgreatpotentialpayoffsforfarmersandconsumersbymakingcropsresistanttopests,diseases,andev
JohnDeweybelievedthateducationshouldbeapreparationforlife,thatapersonlearnsbydoing,andthatteachingmust_____
Immediatesolutionshouldbe______tosavethepeoplefromthefloodthathassweptsouthernChinathissummer.
Thequestionofethicsinthelegalprofessionisonethathasplaguedtheindustrysinceitsinception.Thecommonimageofan
Inthissection,youareaskedtowriteanessaybasedonthefollowingchart.Inyourwriting,youshould1)interpretthe
Overthepastdecade,manycompanieshadperfectedtheartofcreatingautomaticbehaviors-habits-amongconsumers.Thesehabits
Itlookedjustlikeanotheraircraftfromtheoutside.Thepilottoldhisyoungpassengersthatitwasbuiltin1964.Butappear
Theroleofgovernmentsinenvironmentalmanagementisdifficultbutinescapable.Sometimes,thestatetriestomanagetheresou
Thepast22yearshavereallybeenamazing,andeverypredictionwe’vemadeaboutimprovementshaveallcome______.
Thebattletopreventoratleastslowglobalwarminghasintensifiedinthepastyearasscientistshavelearnedmoreaboutthe
随机试题
邓牧《君道》中,“让石户之农而石户之农入海”的人是()
某工地施工扬尘严重,市环保局接到群众举报并进行查实后,依法判其做出停工整改并处以3万元罚款的行政处罚,施工企业认为处罚过高,可以向()申请行政复议。[2014年真题]
扩展不确定度是确定测量结果()的量。
注意事项1.本题本由给定资料与作答要求两部分构成。考试时限为150分钟。其中,阅读给定资料参考时限为40分钟,作答参考时限为110分钟。满分150分。2.监考人员宣布考试开始时,你才可以开始答题。3.请在题本、答题卡指定位置填写自己的姓名,填涂准考证
小岛国联盟中的一些国家地处热带地区,这些热带地区的小岛国风景优美、物产丰富。近年来,这些风景优美的小岛国日益被世人所关注,逐渐成为世界各国游客境外游的首选。在岛国旅游热潮的推动下,这些小岛国的经济正在高速发展。据此,可以推出:
Astatictechnocraticorder,bycontrast,requiresaverydifferentsortofpersonality:adronewhodoeswhatheistoldandsh
OSI网络管理标准定义了网管的五大功能。其中,接收报警信息、启动报警程序、以各种形式发出警报的功能属于(327);接收告警事件、分析相关信息、及时发现正在进行的攻击和可疑迹象的功能属于(328);对每一个被管理对象的每一个属性设置阈值、控制阈值检查和告警的
通过下列总线______打印机不可以连接到计算机上使用。
在下面列出的数据模型中,哪一个是概念数据模型?
A、ItisansimpleexplosiveB、ItisamilitaryexplosiveC、ItismadeinU.SfactoriesD、ItcanbeeasilymadeindoorsD
最新回复
(
0
)