到目前为止．我国个人贷款业务的发展经历了起步、发展和规范三个阶段，其中诱因包括（）。

Task 1

Directions: After reading the following passage, you will find 5 questions or unfinished statements, numbered 36 through 40. For each question or statement there are 4 choices marked A, B, C, and D. You should make the correct choice.

Why does a commuter (持火车月票的乘客) always look as if he has just been through a war？ Here is a story of a commuter.

Mr. Green gets up very early every day and eats a quick breakfast. Then he makes his wife drive him to the station. He arrives on time, b

If Mr. Green had got up several minutes later, he ______.

A．would have missed the train

B．might still have been able to catch the train

C．wouldn't be sad

D．would have been away from a war

Task 1

Directions: After reading the following passage, you will find 5 questions or unfinished statements, numbered 36 through 40. For each question or statement there are 4 choices marked A, B, C, and D. You should make the correct choice.

Why does a commuter(持火车月票的乘客) always look as if he has just been through a war？ Here is a story of a commuter.

Mr. Green gets up very early every day and eats a quick breakfast. Then he makes his wife drive him to the station. He arrives on time, but his train doesn't. When it finally comes, he squeezes on and finds there are no more seats. He has to stand with his bag between his knees. There is simply no room to put it down. Suddenly a cold wind hits him in the face. The window is broken! He remembers this summer. At that lime the same window didn't even open.

The conductor makes his way through the crowd and asks for the commuter's ticket. The ticket, of course, is buried deep in the poor man's breast pocket. He digs for it. The conductor waits impatiently.

Finally the train reaches the city. Mr. Green is already worn out. He says to himself, "My God, I feel as if I've been through a war!"

If Mr. Green had got up several minutes later, he ______.

A．would have missed the train

B．might still have been able to catch the train

C．wouldn't be sad

D．would have been away from a war

Why does he always come to see me at the (bad)______possible moment？

Why does Brendan think he might retire early？

He thinks ______ might not always sell so well.

— Why does he look sad？—There are so many problems () .

A. remaining to settle

B. remained settling

C. remaining to be settled

D. remained to be settled

Why does the man say he is the black sheep of the family？

[A] Because he is always in trouble at home.

[B] Because he doesn't live with his parents.

[C] Because he often fights with other persons.

[D] Because he wouldn't study hard.

听力原文：W: Look, it's already 8. Tom said he'd be here by 7.

M: Yes, but you know what the traffic is like at this time of the evening.

W: He said he'd try not to be late. Why does he always do this？ I've had enough this time.

How does the woman feel？

A．Worried.

B．Angry.

C．Surprised.

D．Sad.

Why does the writer want to know the time down to the minute？

A．Because he always chairs meetings.

B．Because he has got a football team to coach.

C．Because he is the pilot of a plane.

D．Because he has a very tight timetable to follow.