A篇 (2020·北京市海淀区期末)
Financial EducationAwareness Dilemma
When it comes to financial education，the majority of today's youth will regard it as a necessity for certain specific people who want to make their career in the financial world. 1 Actually，elementary financial education is a must for all，as money transaction is an essential part of our daytoday life.
Suppose you have $100 in a saving account that pays simple interest at the rate of 2% per year.If you leave the money in the account，how much will you have accumulated after 5 years：more than $102，exactly $102，or less than $102？The test might look simple，but only half of the people surveyed gave the correct answer.
2 The explanation goes as follows：People with low levels of financial literacy suffer from that lack of knowledge at every stage of their lives.Researchers on this subject say people with a high level of financial literacy are more likely to plan for their retirement. 3
On the contrary，people who have a lower level of financial literacy tend to borrow more，accumulate less wealth，and pay more in fees related to financial products. They are less likely to invest，more likely to experience difficulty with debt，and less likely to know the terms of their mortgages and other loans.Thus，the cost of this financial ignorance is very high. 4
What is the solution？ 5 Like reading and math，financial education must become part of the core curriculum in our schools. Likewise，parents should engage in regular and constructive conversations about money matters.This will give their kids a solid foundation for financial wellbeing，which will keep on giving returns throughout the course of their lives.
A．Financial education must start early.
B．However，they miss an important point.
C．Why does each of us have to face a financial challenge?
D．Why does financial literacy matter so much in our society?
E．Rich people are generally better educated on financial management.
F．Besides，these people have more than double the wealth of people with a low level.
G．For example，they frequently make late credit card payments，overspend their credit limit，etc.
【语篇解读】 本文是一篇议论文。主要讲述了金融教育意识的困境。今天的大多数年轻人都会把金融教育看作某些特定的人在金融界谋生的必要条件。实际上，基础金融教育是所有人的必修课。
1．B [过渡性语句。根据空前一句可知，今天的大多数年轻人都会把它(金融教育)看作某些特定的人在金融界谋生的必要条件；再根据空后的句子可知，实际上，基础金融教育是所有人的必修课。这两句之间存在明显的转折关系，故B项“然而，他们忽略了一个重要的问题”串联上下文，符合语境。]
2．D [段落主旨句。根据下文的“The explanation goes as follows”可知，此句是对一个问题的解释。再分析本段可知，本段主要讲述了金融知识对社会非常重要。故D项“为什么金融知识对我们的社会如此重要？”适合做本段的主旨句。]
3．F [行文逻辑语句。根据空前句子可知，金融知识程度高的人更有可能为退休做打算，这是金融知识程度高的人的一个特点，F项“此外，这些人的财富是那些金融知识程度低的人的两倍多”是其另外一个特点。故F项是对上文的补充说明，符合语境。]
4．G [行文逻辑语句。根据上文的“Thus，the cost of this financial ignorance is very high.”可知，金融知识缺乏的代价是非常高的。G项“例如，他们经常延迟信用卡还款、透支信用额度等”是对这句话的具体说明，符合语境。]
5．A [段落主旨句。根据空前的问句可知，此处询问的是解决办法，再根据下文的“financial education must...in our schools”可知，金融教育必须成为学校核心课程的一部分。故A项“金融教育必须及早开始”承接上下文并概括该段主旨，符合语境。]
