四级真题2024年12月第二套 Passage One
四级真题2024年12月第二套 Passage One


①　As a university student, I’ve come to realise just how little I know about money. I’ve come to the brutal realisation that Australia’s youth are being done a great disservice by not receiving any consistent financial education.

②　Diving headfirst into the crash course of starting university, I’ve quickly tried to get myself up to speed with the financial terms of the modern era to help manage my personal finances.
③　I’ve read some financial education books, done some online learning, and have spoken to my nearest and dearest for their pearls of financial wisdom.
④　There are undoubtedly hundreds of great resources out there for those wishing to improve their financial literacy, but while I was researching, I still kept wishing that I didn’t have to play catch-up with the money world. I felt that I was sailing the financial seas with no skills and no life jacket!
⑤　However, after talking to my friends who felt the same, I quickly realised that it wasn’t my ignorance but the lack of financial education in our schooling system that is leaving high schoolers seriously behind in the modern world of money.
⑥　Let’s compare a theoretical financial education subject to the standard compulsory English class. On average, English may not be the most popular subject, but it’s consistently on the schedule throughout high school, with all students graduating fluent in English.
⑦　A financial education subject should do just the same. It shouldn’t bejust a one-day event but a course integrated throughout the whole of high school that would allow students to gradually expand their financial literacy, and would prevent the need for a ‘catch up’ phase once we’re out on our own after graduation.
⑧　In the same way that learning a language or new skills takes time, building financial skills requires practice and years to gradually accumulate bits and pieces of knowledge.
⑨　Giving young people the opportunity to become familiar with the world of money would provide them with a great advantage to enter adulthood with confidence and security so that they are able to manage their own money and look after themselves.

1.1. What has the author come to realise since entering university?

A He needs a crash course on financial terms.

B He is very much lacking in financial literacy.

C It requires consistent education to be financially independent.

D It is unrealistic to give all Australian youth a financial education.

解析：选B。B 细节理解题。文章第一段第一句指出，作为一名大学生，作者逐渐意识到自己对金钱的了解有多么匮乏。选项B与原文意思一致，故为答案。第二段第一句提到大学伊始就一头扎进了速成班，并迅速努力让自己掌握现代金融术语，但这是进入大学后的实际行动而不是作者意识到的内容，故排除选项A。第一段第二句虽提及consistent financial education，但这是说作者残酷地意识到，澳大利亚的年轻人由于没有接受任何持续性的金融教育，正在遭受极大的伤害，并未提及作者逐渐意识到要实现财务独立，需要坚持不懈的教育，故排除选项C。选项D文章中未提及，故排除。

2.2. How did the author feel in today’s money world?

A Badly equipped to survive.

B Ignorant of financial literature.

C Barely capable of moving ahead.

D Overwhelmed by the resources online.

解析：选A。A 细节理解题。文章第四段中提到，在研究过程中，作者仍然希望自己不必在金钱的世界里追赶进度，作者觉得自己是在没有技能和救生衣的情况下在金融海洋中航行。言外之意，作者感觉自己在当今的金钱世界里缺乏应对能力，生存能力不足。选项A与原文意思一致，故为答案。选项B、C和D的内容文章中未提及，故排除。

3.3. What did the author realise after talking to his friends?

A They were as keen as he was on financial matters.

B The schooling system was to blame for his trouble.

C High schoolers knew nothing about the modern financial world.

D Financial courses were as unpopular as compulsory English classes.

解析：选B。B 细节理解题。文章第五段中提到，在与有同样感受的朋友交谈后，他很快意识到，并不是他无知，而是学校教育体系中缺乏金融教育，才让高中生在现代金钱世界中严重落伍，也就是说，是学校的教育体系导致了作者的困境，故选B。文章中未体现朋友们和作者一样热衷于金融事务，故排除A。文章中提到高中生在现代金钱世界中严重落伍，并没有说高中生对现代金融世界一无所知，C项错误，故排除。文章中没有将金融课程和必修英语课程的受欢迎程度作比较，故排除D。

4.4. What is the author’s idea of a financial education course?

A It should foresee students’ needs after graduation.

B It should provide students with some basic knowledge.

C It should be taught the same way as English is taught.

D It should be integrated into high school education.

解析：选D。D 细节理解题。在文章的第六段中，作者先是将金融教育课程和标准必修英语课作比较，接着指出金融教育课程不应只是一次性活动，而应是贯穿整个高中的课程，让学生逐步提升金融知识，避免毕业后还要补知识。第七段提到，金融教育课程也应如此，它不应该只是为期一天的活动，而应该是贯穿整个高中的一门课程。由此可知，作者认为金融教育课程应贯穿整个高中教育，D项与原文意思一致，故为答案。选项A和选项B的内容文中未提及，可排除。文中将英语课程与金融课程作对比，强调的是课程贯穿整个高中这一设置形式，而不是指两者教学方式应该一致，故排除C。

5.5. What would financial literacy do to young people?

A Allow them to enter adulthood with financial security.

B Enable them to look after themselves without worrying about money.

C Render them confident and secure in terms of money management.

D Help them become familiar with the world of money.

解析：选C。C 细节理解题。文章最后一段中提到，让年轻人有机会熟悉金钱世界，将为他们在步入成年期时提供极大的优势，使他们充满自信和安全感，从而能够管理好自己的钱财，照顾好自己。C选项与原文意思一致，故为答案。文中提到的是使他们充满自信和安全感，而不是金融保障，A项错误，可排除。B项的内容文章未提及，可排除。D项帮助他们熟悉金钱世界是目的，不是作用，故排除。