储蓄节约计划（savings and thrift plan)

储蓄节约计划(savings and thrift plan)

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更多“储蓄节约计划（savings and thrift plan…”相关的问题

第1题

If you can ’t pay for a new car out of your savings at this time ，you can get a bank

loan.

A)如果你此时想买新车而又不能动用你的存款，你就可以获得银行贷款。

B)如果你没有现金而又想买一辆新车，银行可以为你提供担保。

C)如果你目前不能用自己的储蓄付款买新车，你可以向银行贷款。

D)如果你此时想买新车而又不能动用你的存款，银行就会为你提供贷款。

E)如果你此时的储蓄存款不够买一辆新车，你可以向银行贷款。

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第2题

It seems like Americans use credit cards for everything. It's a lot easier to spend money

that you don't see, isn't it？ Many Americans spend money that isn't even there and get deeper and deeper in debt. Why do so many people spend more than they have？ "Buy now, pay later" has become an American way of life. Recently, American households spent nearly 11 billion dollars more than they earned, creating a negative saving rate.

There are two ideas—one, living within your means, and the idea that living on debt is a great equalizer(平衡装置). They both have validity because it is important that someone live within their means over their lifetime. When people are young and they are earning money, but they have very little savings, they almost have to borrow in order to own a house or own a car. But as they grow older, they should develop the habit of saving, so that by the time they reach the end of their earning life, they have savings to live on in retirement, and live within their means.

"Buy now, pay later" worked very well for us in the 1990s, but one suspects it won't work forever. The only thing that concerns me is that Americans are so contented, so optimistic, so unconcerned about any bumps in the road that many American households, not all of them, but many American households are very heavily extended in personal credit, a lot of credit card debt. People are paying very high prices for houses and borrowing heavily against those prices; and if we do run into a bump in the road, a recession, there are going to be a lot of households, not all of them, but many households that Ml be severely squeezed. That means we're more vulnerable to serious financial distress than Japan is. Japan has been in financial distress for ten years, but one reason it's been able to weather that is that the households had been very conservative, had a lot of savings, were very liquid, and were able to weather difficult times. And many American households would now be less able to do that because they are so heavily in debt.

We know from the passage that credit cards

A．make Americans get deeper and deeper in debt

B．are likely to be abandoned by more Americans

C．will soon become a symbol of American life

D．will help solve potential financial problems

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第3题

家庭消费者通过参与团购、、优惠折扣券购买等方式，节约的金额越来越高，理性消费为储蓄、投资创造了更大的选择空间（）

A.会员活动

B.拼团砍价

C.社区团购

D.充值优惠