主标题：澎湖2025年专升本英语阅读理解练习题(3.18)

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　　阅读理解：

　　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 the installment. In the U.S., 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(首期付款) 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. This is why, in some countries, the government controls the installment plan by fixing the amount of the down payment and each of the following installments to discourage people from buying more than they can pay for on the installment plan.

　　问题：

　　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 American families buy things on installments.

　　C.Americans depend more on installment than British people do.

　　D.Americans spend more than one tenth of their income on installment buying.

　　【参考答案】B

　　[考点]事实细节题

　　【精析】B 根据第一段第二句可知，许多英国家庭使用分期付款计划购买家具、家庭用品等，所以选项A正确;根据第一段最后一句可知，美国人比英国人更依赖分期付款，他们把自己超过10%的收入用于分期付款计划上，而不是超过10%的美国家庭都分期付款买东西，所以选项C、D正确，选项B错误。故选B。

　　2. Goods bought on installments are more expensive than goods bought by cash because ___.

　　A.the buyer has to pay extra money as interest

　　B.the delivery of the goods charges extra money

　　C.the buyer has to pay a down payment

　　D.the service offered by the installment plan is much better

　　【参考答案】A

　　[考点]事实细节题

　　【精析】A 根据第二段前两句可知，分期付款买东西要比现金付款贵，因为分期付款是要付利息的。故选A。

　　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 not own the item he has bought.

　　C.He will have to sell what he has bought.

　　D.He will go into debt.

　　【参考答案】B

　　[考点]推理判断题

　　【精析】B 根据第二段最后一句“The legal ownership of the goods remains with the seller until the final payment has been made.”可知，商品的法定所有权在购买者付完最后一笔钱之前仍然属于卖家。由此可推知，不付完所有的钱，购买者将不能拥有那件东西。故选B。

　　4. The advantage of installment buying might include all the following EXCEPT that ___.

　　A.purchasing power is strengthened

　　B.employment might be increased

　　C.people develop a good habit of saving money

　　D.young couples are able to furnish their homes

　　【参考答案】C

　　[考点]事实细节题

　　【精析】C 根据第三段第二、三句可知，选项A、B、D正确。分期付款其实是刺激人们消费的，因此选项C(使人们养成省钱的好习惯)不是其优点。故选C。

　　5. In some countries, the governments control the installment plan to ___.

　　A.increase employment

　　B.increase people's income

　　C.ensure that businesses make good profits

　　D.ensure that people can pay for what they buy

　　【参考答案】D

　　[考点]推理判断题

　　【精析】D 根据最后一段最后一句可知，政府控制分期付款计划就是为了使人们不买太多超过他们支付能力的东西，以免引起各种危机，即确保人们支付得起想买的东西。故选D。