1The author makes mention of dorsal fins which are irrelevant to the topic in order to _____.

A.make people alert to the potential danger

B.attract the readers’ attention by presenting an interesting phenomenon

C.make people realize the graveness of the issue by showing a similar case

D. make the passage more vivid by imparting new knowledge to readers

参考答案： A

推理题。文章在首尾都提到了背鳍。开头提到一旦水中有血，背鳍就会变得兴奋起来，接着就提到美国房地产衰退后，捕食者将目光转移到信用卡市场。末尾提到要留心背鳍。可以看出，作者提到背鳍是一种隐喻，意味着危险，因此选项A 比较符合题意。

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2Rises in the charge-off and delinquency rate indicate _____.

A.the deterioration of the subprime mortgage

B.the inadequate ability of card borrowers

C.the influence of the technical factors

D.the change in relevant laws

参考答案： B

推理题。文章在第一段提到，信用卡市场的疲软迹象已经出现，接着就提到这两个数字，损耗率和逾期债款率分别代表无法收回来的收支差额的份额和晚付了30天的份额，接着还举例说香港汇丰银行的14亿美元费用就是部分因为信用卡借款人偿还能力较弱。因此，这两项升高表明信用卡市场出现问题。A不符合；B，是信用卡市场问题；CD在第二段提到，是引起这两项升高的部分原因所在。因此，答案为B。

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3According to the third paragraph, the number of bankruptcy fillings would be rising again because_____.

A.there is a change in America’s personal-bankruptcy laws

B.the charge-offs and delinquencies are still low

C.the influence of the personal-bankruptcy laws has been digested

D. the overall conditions for borrowers are getting worse

参考答案： C

推理题。文章第三段最后提到不管贷款人整体的情况是否变坏，破产申请数量都会再次增多。前面又提到是因为2005年美国个人破产法有一定变化，破产申请才急剧降低，而后引发了信用卡市场的一些问题。因此，这项法律实行一段时间后，大家已经消化了这个变化，趋势又会恢复正常。答案C最为贴切。

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4The subprime-mortgage crisis influnces the credit-card market in that_____.

A.the fall of asset values affects the card borrowers’ creditworthiness

B.the decrease in the mortga

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