话题7 理财与消费-2026年中考英语中考一轮话题复习（通用版）

2026年中考英语中考一轮话题复习（通用版） 话题7 理财与消费 考纲解读 2026中考英语“理财与消费”话题，以课标为纲、素养立意，聚焦基础、应用与思维，覆盖听/说/读/写全题型，贴近学生生活与时代热点。以下是核心考纲解读与备考要点。 一、核心定位与考查目标 1、课标依据：属“人与社会”主题下“消费与理财”子主题，关联“理财意识、理性消费、货币与信用”等内容。 2、能力目标： （1）语言能力：掌握核心词汇、句型，在真实情境中听、说、读、写。 （2）思维品质：考查比较、分析、推理、评价等思维，如消费选择的利弊判断。 （3）文化意识：渗透中外消费文化差异，倡导理性消费观。 （4）学习能力：通过语篇获取理财知识，运用学习策略解决实际问题。 二、核心考点清单 1、核心词汇 （1）消费：price, discount, receipt, budget, afford, purchase, pay for, on sale。 （2）理财：save, deposit, account, interest, investment, pocket money。 （3）评价：valuable, reasonable, expensive, cheap, worth, cost-effective。 2、核心句型 （1）价格与折扣：The shirt costs 100 yuan and it’s 20% off. （2）购物决策：I can’t afford it, so I’ll choose a cheaper one. （3）理财计划：I plan to save 50 yuan every month. （4）消费建议：You should compare prices before buying. 3、语法重点：时态（一般现在/过去/将来）、比较级/最高级、情态动词（should/had better）、条件状语从句。 三、题型分布与命题特点 1、听力：短对话考购物询价、折扣计算；长对话/独白考购物计划、理财建议，抓数字与态度词。 2、阅读：应用文（广告、价目表）、记叙文（购物经历）、议论文（消费观念），考细节、推理、主旨、词义猜测。 3、语言运用：完形填空、选词填空以消费/理财小故事为载体，考词汇辨析、固定搭配与逻辑衔接。 4、书面表达：可能话题有“我的零花钱管理计划”“给同学的理性消费建议”“一次明智/冲动的购物经历”，强调内容完整、逻辑清晰、表达准确。 四、备考策略 1、词汇句型：按场景梳理核心词块，结合例句与语境记忆，避免机械背诵。 2、语篇训练：精读购物广告、理财短文等，总结结构与解题技巧；泛读多样题材，提升语感与速度。 3、题型突破 （1）听力：抓数字、转折词（but/however），预判问题。 （2）阅读：先看题干，定位关键词，区分事实与观点。 （3）写作：列提纲，用连接词（firstly/secondly），注意时态与人称一致，积累常用句型与模板。 （4）素养提升：结合生活实例（如制定零花钱预算），讨论消费利弊，培养理性消费与理财意识。 语篇研读 基础知识运用 一、语法选择 When Peter was six, he started receiving pocket money from his mother. When he turned seven, he 1 £7 a week. Now at the age of fifteen, he 2 £15 every week. He has the raise in pocket money because he spends money wisely. 3 a shopping mall near Peter’s home. At weekends, he watches 4 movies with his friends, or takes his little brother to the play center there. He buys his grandparents small presents when he visits them. Sometimes, he takes one 5 bus ride to museums and zoos in another town. When he has saved enough money, Peter goes to the bookstores 6 great books and donates them to children in need. His mother is satisfied with 7 he spends his money. She thinks it is a smart choice to give Peter pocket money. “This habit 8 help Peter manage money well,” she says. Peter’s mother even suggests giving pocket money to children as 9 as when they are four. “To learn how to deal with money is 10 useful life skill. Giving children pocket money in their early years teaches them the importance of budgeting.” 1．A．gets B．got C．will get 2．A．gives B．is given C．is giving 3．A．There is B．It is C．They are 4．A．excite B．excitement C．exciting 5．A．hour B．hours C．hour’s 6．A．buy B．to buy C．bought 7．A．how B．which C．whether 8．A．need B．must C．can 9．A．early B．earlier C．earliest 10．A．a B．an C．the 二、完形填空 In China, people usually teach their children how to make money and spend money in many ways. Chinese children get lucky money 11 the elders (长辈) during the Spring Festival. So what do kids 12 their pocket money? Some smart parents will help them 13 the money in the bank (银行). This way, the children can get interest (利息) from the bank. The children are happy 14 they can get more money in this way. How do children usually make money? Some parents 15 their children the money if they help do chores. For example, children can get some money by doing some cleaning or 16 . In some places of China, schools usually have flea (跳蚤) markets in class. Children can bring their old things, such as toys and books, to school and 17 them to their classmates. If other children like the things and buy them, they can make some money. How can children use their pocket money? Some parents 18 help their children to make a careful plan at the start of every month. They will tell them what they should buy and 19 they shouldn’t. They teach their children how to buy 20 and good things as well. With their parents’ help, children are becoming smart and careful shoppers. 11．A．on B．from C．between 12．A．play with B．do with C．deal with 13．A．waste B．borrow C．keep 14．A．before B．so C．because 15．A．pay B．cost C．spend 16．A．fishing B．singing C．washing 17．A．sell B．carry C．take 18．A．also B．too C．either 19．A．who B．where C．what 20．A．bad B．cheap C．expensive 三、阅读理解 A Meimei and Xiaoming have the same amount (数额) of pocket money every month. And they spend their money on different things. Here are two pictures to show how they spend their pocket money. 21．What does Meimei spend the most (大部分) money on? A．Food. B．Clothes. C．Sports. D．Books. 22．What does Xiaoming spend the least (最少) money on? A．Food. B．Clothes. C．Sports. D．Travel. 23．What do Meimei and Xiaoming spend the same money on? A．Clothes. B．Sports. C．Travel. D．Books. 24．What can we know from the text? A．Meimei spends more money on food than (比) Xiaoming. B．Xiaoming spends the same money on books and clothes. C．Meimei spends the same money on books and travel. D．Meimei and Xiaoming like traveling very much. 25．What can be the best title for this text? A．Enjoying School Life B．Spending Money Wisely C．Doing Sports D．Going Shopping B At an early age, we start learning how to manage money by watching our parents’ spending habits. Don’t worry if we haven’t learned well how to save or spend money. The following life lessons about money can help us form good spending habits. Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget. In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satiate us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account is? If not, communicate with our parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 26．Where does money come from according to the text? A．Parents’ hard work. B．Kids’ life lessons. C．Good spending habits. D．The bank account. 27．What does the writer want kids to do by giving the example of buying a bicycle? A．Buy a wonderful notebook. B．Make a free spending choice. C．Set a goal of saving money. D．Have an experience of shopping. 28．What does the underlined word “satiate” mean in Paragraph 4? A．Relax. B．Interest. C．Surprise. D．Satisfy. 29．Which of the following will the writer probably agree with? A．Walking backward can help people in many ways. B．Kids should have a money spending plan. C．Parents may give kids lots of pocket money. D．Supermarkets will be places to change money. 30．What can be a suitable title for the text? A．Causes of Spending Money B．Ways of Managing Money C．Purposes of Treating Money D．Conditions of Saving Money C Learning how to manage money is an important skill for everyone, especially for teenagers. Understanding how to save and spend money can help you make better decisions in the future. Here are some tips on how to manage money. A budget is a plan that shows how much money you have and how you will spend it. To create a budget, first you can list all the money you can get, such as pocket money. Then, list all the money you will spend, including food, clothes, books, etc. Make sure you spend less than you can get. Saving money is important because it helps you prepare for the future. Try to save a part of your money every month. You can save it in a bank account. Saving also helps you build a habit of not spending all your money at once. Think carefully before you spend your money. Ask yourself if you really need what you are about to buy. It’s easy to spend money on things you don’t need, so think twice before paying. Avoid (避免) impulse buying, which is buying something without planning. By following these tips, teenagers can learn to manage their money more wisely and better prepare for themselves. The lessons at school should guide the students to practise managing money wisely. But today schools and society had better pay more attention to the topic. 31．What is a budget? A．A plan that tells you how much money you have. B．A plan that shows how you will spend money. C．A plan that tells you how much money you have and how you will spend it. D．A plan for how to spend your money. 32．Why is saving money important? A．It helps you buy more things. B．It allows you to lend money to friends. C．It prepares you for the future. D．It prevents you from having fun. 33．What should you avoid in order to spend wisely? A．Impulse buying. B．Creating a budget. C．Saving a part of your money. D．Getting more money. 34．What’s the main idea of the passage? A．How to earn money. B．Money and business. C．Don’t give your children too much money. D．Money management for teenagers. 35．What does the underlined word “society” mean in Chinese in the last sentence? A．家长 B．社会 C．大众 D．政府 四、选词填空 请从方框内选择适当的词并用其正确形式填空，使文章完整连贯。注意每空一词，每词仅用一次，有两词为多余项。 important   it   when   month   easy   feed   housework   get   how   spend   first   from The twin boys Trevor and Trey are in Grade Seven. They have 36 to do every week. They clean their rooms, 37 the fish and set the table. If they do their own housework, they will get some money. When Trey got money, he 38 it as soon as possible. He bought some delicious cakes, drinks and snacks he wanted. One day, 39 they hung out, Trey saw a scooter (滑板车). Trey wanted to buy the scooter, but 40 was too expensive. “Can you tell me what I should do to buy it soon?” asked Trey. “You have to save money 41 . If you can learn to save money, you’ll be able to buy it soon!” said Trevor. “What should I do if I want to buy something next week?” asked Trey. “Keep saving,” said Trevor. “It keeps you from 42 into trouble!” After hearing this, Trey felt hopeful. In order to buy the scooter as soon as possible, Trey realized it is 43 to save money in daily life and he stopped buying snacks every week. Three 44 later, Trey was able to save enough money. He successfully bought the scooter with his own savings. From then on, he knew 45 he could spend money wisely. 综合能力提升 一、完形填空 The Convenience of Paying In our daily life, we often need to buy things. And how we 1 is changing. Not long ago, we had to use 2 for every purchase. We had to count it carefully. But now, there are better ways. Credit cards are getting popular. They are a great 3 for people. You just need to swipe the card, and the 4 is done. It’s much faster than using cash. The most exciting change is mobile payment. With mobile payment apps, paying has become really 5 . You can pay for almost anything with your phone. For example, you can pay for a taxi ride or buy snacks at a store easily. These new payment methods also 6 us to manage money better. We can check how much we’ve spent at any time. However, we should still be careful. 7 our passwords safe is very important. Also, be aware of public Wi-Fi security when paying. Malicious (恶意的) networks could 8 your payment information. All in all, 9 payment ways bring us a lot of convenience. They make our lives easier. Next time you 10 something, you can choose the best way to pay. 1．A．look B．sell C．pay D．get 2．A．cards B．cash C．phones D．apps 3．A．choice B．chore C．chance D．check 4．A．job B．task C．payment D．work 5．A．difficult B．convenient C．slow D．hard 6．A．ask B．tell C．help D．want 7．A．Keeping B．Using C．Making D．Letting 8．A．protect B．steal C．save D．lend 9．A．new B．old C．expensive D．cheap 10．A．pick B．weigh C．buy D．try 二、阅读理解 It’s important to help children understand how to manage (管理) money. When are children old enough to learn about money? You might be surprised by the answer. “Research (研究) shows that children develop (发展) their habits by age seven, ” says Jessica Pelletier, a professor at the research center. “So, we need to start teaching them about healthy money decisions (决定) while they are getting to know about money.” In fact, the research center starts its plan at age six, when most kids are in their first year of primary school. Knowledge about money can’t be learned in a day. It can take a lifetime. “For this reason, we hope that parents can starț talking about money as early as possible.” says Pelletier. By year one, for example, kids should be learning sharing (分享). By year three of primary school, kids should start learning the responsibility (责任) of having pocket money, and by year four, kids should start practising saving money. Usually, children watch how the adults in their lives make money decisions first. Then, parents can begin the conversation with their children about money. The important thing is, if the adults in children’s lives can know more about managing money, they can help their kids understand better. And the best way to keep kids interested in learning about money is through games and fun activities. Here Pelletier shares her experience on teaching these knowledge to kids through play. She takes them on adventures (冒险) such as getting a gift card for their birthday, researching what they want to be when they grow up, and coming along with their big sister as she shops for clothes to watch how and why she makes these decisions. “Playing games about money management is a fun way to learn. Kids can learn while having fun,” she says. 11．When are children old enough to learn about money? A．Only after they are seven. B．When they know how to use money. C．Can be earlier than seven. D．When they go to school. 12．According to the second paragraph, children can ________. A．be good at managing money very quickly B．learn to use money as early as possible C．learn sharing at a very early age D．take the responsibility of giving pocket money 13．What did Pelletier do to teach children? A．Take them to go on different vacations. B．Make gift cards for herself. C．Tell them why she shops for clothes. D．Have interesting games and activities. 14．The writer’s writing purpose is to ________. A．ask for teachers’ help B．advertise a research center C．show kids problems of managing money D．help children learn knowledge about money 15．What is the best title of this passage? A．A Fun Way for Learning B．A Terrible Problem of Children C．Impossible for Children to Manage Money D．When Children Learn about Money With Alipay and WeChat, cashless (无现金的) payments are nothing new. Now, China is going further by encouraging more people to use digital (数字的) yuan or e-CNY, a digital currency (货币). Jiangsu province will encourage the use of e-CNY in its education system, according to a recent plan by the Jiangsu Education Department. By December of this year students in Jiangsu will probably pay tuition fees (学费), exam fees and receive scholarships (奖学金) in e-CNY. To use e-CNY, people just need to download (下载) the e-CNY app and open an account (账户). “The functions (功能) of e-CNY are exactly the same as those of the paper currency, except that the former is digital,” Mu Changchun, director of the People’s Bank of China’s Digital Currency Research Institute, told China Daily. But e-CNY is much safer compared to Alipay and WeChat payment. E-commerce (电子商务) platforms that accept payments by e-CNY will not have access to users’ personal information. “Users’ privacy protection with e-CNY is at the highest level among all existing payment tools,” said Mu. In addition, “the use of e-CNY can reduce transaction (交易) costs for smaller businesses,” said Zhou Maohua who works at China Everbright Bank. At present, third-party payment platforms such as Alipay and WeChat ask for certain fees when money is transferred (转账) through them. E-CNY payment, however, can transfer money directly from buyers to sellers, which will greatly reduce transaction costs. E-CNY has been trialed (试点) in 17 provinces and cities, such as Suzhou, Shenzhen and Chengdu. China is still working to expand (扩大) its usage in more areas. 16．At the very beginning of the passage, Alipay and WeChat are mentioned to ________. A．give examples B．introduce the background C．list numbers D．surprise the readers 17．What can the students do by e-CNY? A．Get scholarships. B．Open an account. C．Download the e-CNY app. D．Pay all fees. 18．What’s the advantage of digital yuan according to the passage? A．The functions are more than those of Alipay and WeChat payment. B．Digital yuan is much safer than any other payment tool. C．17 provinces will use digital yuan instead of Alipay and WeChat payment. D．It will greatly protect users’ personal information by digital yuan. 19．What is mentioned in paragraph 5? A．The safety protection about e-CNY. B．The disadvantages of e-CNY. C．The transaction costs about e-CNY. D．The popularity of e-CNY. 20．The writer’s writing purpose is to ________. A．create greater business opportunities B．call on people to use digital yuan C．change the way all people pay fees D．lead people to protect their privacy 三、选词填空 请阅读下面语篇，根据其内容，用方框中所给词的正确形式填空，使其通顺、连贯，。方框中有两个词为多余项。 I  get  sell  teach  decide  follow  he  draw  much  cake  worry  proper Last year, Dad gave my older brother Hywel and me $300 each. “Well, it’s not your pocket money,” he said. “Don’t spend it on many candies, 21 or other unnecessary things. You should try to use it to make a lot 22 money. And before you have the money, you should tell me and your mom what you are going to do with it.” Hywel moved first with an excellent idea. He bought some drones and then they 23 to others again online. He invested (投资) the full $300 and finally he 24 $260. “I also spent some of the profit (利润),” said Hywel, smiling from ear to ear. “I like both investing and spending! I bought clothes and food for 25 .” Seeing this, I was very 26 . I didn’t make any money. I thought of a good idea. I planned 27 my brother’s example. I first invested $100 of my money in my brother’s drone business. “But I’m much better at managing money,” I remembered telling my dad. And I made a 28 to invest the rest in currencies (货币). Since we were kids, Dad 29 us many important lessons about money. He always tells us, “It’s really important to learn how to manage your money 30 . Or your money will end up managing you.” His words will be useful for my whole life. 四、短文填空 阅读下面短文，根据语境或所给单词的提示，在每个空格内填入一个恰当的词，要求所填的词意义准确、形式正确，使短文意思完整、行文连贯。 My parents give pocket money to my sister and me every month. They hope we can be 31 (care) with money. Sometimes, they ask us to do different 32 (kind) of chores and pay us money. They want 33 (we) to know that it’s not easy to make money. They also want us not to waste money. So my sister 34 I have good shopping habits. When 35 (shop), we try 36 (we) best to find the best price. We are very happy to buy things with as little money 37 possible. And we try to share things 38 each other but not to buy things. At the start of every month, my parents help us to make   39 shopping list. My sister and I often buy things on sale. In these ways, we can spend money 40 (wise). We want to be smart shoppers. When I grow up, I will tell my children to be wise shoppers. 学科网（北京）股份有限公司 $ 2026年中考英语中考一轮话题复习（通用版） 话题7 理财与消费 考纲解读 2026中考英语“理财与消费”话题，以课标为纲、素养立意，聚焦基础、应用与思维，覆盖听/说/读/写全题型，贴近学生生活与时代热点。以下是核心考纲解读与备考要点。 一、核心定位与考查目标 1、课标依据：属“人与社会”主题下“消费与理财”子主题，关联“理财意识、理性消费、货币与信用”等内容。 2、能力目标： （1）语言能力：掌握核心词汇、句型，在真实情境中听、说、读、写。 （2）思维品质：考查比较、分析、推理、评价等思维，如消费选择的利弊判断。 （3）文化意识：渗透中外消费文化差异，倡导理性消费观。 （4）学习能力：通过语篇获取理财知识，运用学习策略解决实际问题。 二、核心考点清单 1、核心词汇 （1）消费：price, discount, receipt, budget, afford, purchase, pay for, on sale。 （2）理财：save, deposit, account, interest, investment, pocket money。 （3）评价：valuable, reasonable, expensive, cheap, worth, cost-effective。 2、核心句型 （1）价格与折扣：The shirt costs 100 yuan and it’s 20% off. （2）购物决策：I can’t afford it, so I’ll choose a cheaper one. （3）理财计划：I plan to save 50 yuan every month. （4）消费建议：You should compare prices before buying. 3、语法重点：时态（一般现在/过去/将来）、比较级/最高级、情态动词（should/had better）、条件状语从句。 三、题型分布与命题特点 1、听力：短对话考购物询价、折扣计算；长对话/独白考购物计划、理财建议，抓数字与态度词。 2、阅读：应用文（广告、价目表）、记叙文（购物经历）、议论文（消费观念），考细节、推理、主旨、词义猜测。 3、语言运用：完形填空、选词填空以消费/理财小故事为载体，考词汇辨析、固定搭配与逻辑衔接。 4、书面表达：可能话题有“我的零花钱管理计划”“给同学的理性消费建议”“一次明智/冲动的购物经历”，强调内容完整、逻辑清晰、表达准确。 四、备考策略 1、词汇句型：按场景梳理核心词块，结合例句与语境记忆，避免机械背诵。 2、语篇训练：精读购物广告、理财短文等，总结结构与解题技巧；泛读多样题材，提升语感与速度。 3、题型突破 （1）听力：抓数字、转折词（but/however），预判问题。 （2）阅读：先看题干，定位关键词，区分事实与观点。 （3）写作：列提纲，用连接词（firstly/secondly），注意时态与人称一致，积累常用句型与模板。 （4）素养提升：结合生活实例（如制定零花钱预算），讨论消费利弊，培养理性消费与理财意识。 语篇研读 基础知识运用 一、语法选择 When Peter was six, he started receiving pocket money from his mother. When he turned seven, he 1 £7 a week. Now at the age of fifteen, he 2 £15 every week. He has the raise in pocket money because he spends money wisely. 3 a shopping mall near Peter’s home. At weekends, he watches 4 movies with his friends, or takes his little brother to the play center there. He buys his grandparents small presents when he visits them. Sometimes, he takes one 5 bus ride to museums and zoos in another town. When he has saved enough money, Peter goes to the bookstores 6 great books and donates them to children in need. His mother is satisfied with 7 he spends his money. She thinks it is a smart choice to give Peter pocket money. “This habit 8 help Peter manage money well,” she says. Peter’s mother even suggests giving pocket money to children as 9 as when they are four. “To learn how to deal with money is 10 useful life skill. Giving children pocket money in their early years teaches them the importance of budgeting.” 1．A．gets B．got C．will get 2．A．gives B．is given C．is giving 3．A．There is B．It is C．They are 4．A．excite B．excitement C．exciting 5．A．hour B．hours C．hour’s 6．A．buy B．to buy C．bought 7．A．how B．which C．whether 8．A．need B．must C．can 9．A．early B．earlier C．earliest 10．A．a B．an C．the 二、完形填空 In China, people usually teach their children how to make money and spend money in many ways. Chinese children get lucky money 11 the elders (长辈) during the Spring Festival. So what do kids 12 their pocket money? Some smart parents will help them 13 the money in the bank (银行). This way, the children can get interest (利息) from the bank. The children are happy 14 they can get more money in this way. How do children usually make money? Some parents 15 their children the money if they help do chores. For example, children can get some money by doing some cleaning or 16 . In some places of China, schools usually have flea (跳蚤) markets in class. Children can bring their old things, such as toys and books, to school and 17 them to their classmates. If other children like the things and buy them, they can make some money. How can children use their pocket money? Some parents 18 help their children to make a careful plan at the start of every month. They will tell them what they should buy and 19 they shouldn’t. They teach their children how to buy 20 and good things as well. With their parents’ help, children are becoming smart and careful shoppers. 11．A．on B．from C．between 12．A．play with B．do with C．deal with 13．A．waste B．borrow C．keep 14．A．before B．so C．because 15．A．pay B．cost C．spend 16．A．fishing B．singing C．washing 17．A．sell B．carry C．take 18．A．also B．too C．either 19．A．who B．where C．what 20．A．bad B．cheap C．expensive 三、阅读理解 A Meimei and Xiaoming have the same amount (数额) of pocket money every month. And they spend their money on different things. Here are two pictures to show how they spend their pocket money. 21．What does Meimei spend the most (大部分) money on? A．Food. B．Clothes. C．Sports. D．Books. 22．What does Xiaoming spend the least (最少) money on? A．Food. B．Clothes. C．Sports. D．Travel. 23．What do Meimei and Xiaoming spend the same money on? A．Clothes. B．Sports. C．Travel. D．Books. 24．What can we know from the text? A．Meimei spends more money on food than (比) Xiaoming. B．Xiaoming spends the same money on books and clothes. C．Meimei spends the same money on books and travel. D．Meimei and Xiaoming like traveling very much. 25．What can be the best title for this text? A．Enjoying School Life B．Spending Money Wisely C．Doing Sports D．Going Shopping B At an early age, we start learning how to manage money by watching our parents’ spending habits. Don’t worry if we haven’t learned well how to save or spend money. The following life lessons about money can help us form good spending habits. Money doesn’t grow on trees. As kids, we don’t often think about where money comes from. We need to know that our parents work hard to make money, and that it may be used up one day. Going to their workplaces to watch how they work is a great way to understand money is not that easy to make. We shouldn’t spend all our money in one go. It’s important for us to have a budget. In other words, we need to think about how much money we have and what we really want to spend it on. Realizing that our pocket money can’t cover everything we want, we should make smart spending choices. We should set a clear goal and watch our money grow. If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow. After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satiate us. We can talk with our parents about how money is used and where money goes. Do you know what a bank account is? If not, communicate with our parents. We can also go to the supermarket with our parents to experience how money is spent in the real world. Without doubt, we should treat money in a right way. Actually, learning about money isn’t a hard job. From these lessons, we can get a sense of money management and right money values step by step! 26．Where does money come from according to the text? A．Parents’ hard work. B．Kids’ life lessons. C．Good spending habits. D．The bank account. 27．What does the writer want kids to do by giving the example of buying a bicycle? A．Buy a wonderful notebook. B．Make a free spending choice. C．Set a goal of saving money. D．Have an experience of shopping. 28．What does the underlined word “satiate” mean in Paragraph 4? A．Relax. B．Interest. C．Surprise. D．Satisfy. 29．Which of the following will the writer probably agree with? A．Walking backward can help people in many ways. B．Kids should have a money spending plan. C．Parents may give kids lots of pocket money. D．Supermarkets will be places to change money. 30．What can be a suitable title for the text? A．Causes of Spending Money B．Ways of Managing Money C．Purposes of Treating Money D．Conditions of Saving Money C Learning how to manage money is an important skill for everyone, especially for teenagers. Understanding how to save and spend money can help you make better decisions in the future. Here are some tips on how to manage money. A budget is a plan that shows how much money you have and how you will spend it. To create a budget, first you can list all the money you can get, such as pocket money. Then, list all the money you will spend, including food, clothes, books, etc. Make sure you spend less than you can get. Saving money is important because it helps you prepare for the future. Try to save a part of your money every month. You can save it in a bank account. Saving also helps you build a habit of not spending all your money at once. Think carefully before you spend your money. Ask yourself if you really need what you are about to buy. It’s easy to spend money on things you don’t need, so think twice before paying. Avoid (避免) impulse buying, which is buying something without planning. By following these tips, teenagers can learn to manage their money more wisely and better prepare for themselves. The lessons at school should guide the students to practise managing money wisely. But today schools and society had better pay more attention to the topic. 31．What is a budget? A．A plan that tells you how much money you have. B．A plan that shows how you will spend money. C．A plan that tells you how much money you have and how you will spend it. D．A plan for how to spend your money. 32．Why is saving money important? A．It helps you buy more things. B．It allows you to lend money to friends. C．It prepares you for the future. D．It prevents you from having fun. 33．What should you avoid in order to spend wisely? A．Impulse buying. B．Creating a budget. C．Saving a part of your money. D．Getting more money. 34．What’s the main idea of the passage? A．How to earn money. B．Money and business. C．Don’t give your children too much money. D．Money management for teenagers. 35．What does the underlined word “society” mean in Chinese in the last sentence? A．家长 B．社会 C．大众 D．政府 四、选词填空 请从方框内选择适当的词并用其正确形式填空，使文章完整连贯。注意每空一词，每词仅用一次，有两词为多余项。 important   it   when   month   easy   feed   housework   get   how   spend   first   from The twin boys Trevor and Trey are in Grade Seven. They have 36 to do every week. They clean their rooms, 37 the fish and set the table. If they do their own housework, they will get some money. When Trey got money, he 38 it as soon as possible. He bought some delicious cakes, drinks and snacks he wanted. One day, 39 they hung out, Trey saw a scooter (滑板车). Trey wanted to buy the scooter, but 40 was too expensive. “Can you tell me what I should do to buy it soon?” asked Trey. “You have to save money 41 . If you can learn to save money, you’ll be able to buy it soon!” said Trevor. “What should I do if I want to buy something next week?” asked Trey. “Keep saving,” said Trevor. “It keeps you from 42 into trouble!” After hearing this, Trey felt hopeful. In order to buy the scooter as soon as possible, Trey realized it is 43 to save money in daily life and he stopped buying snacks every week. Three 44 later, Trey was able to save enough money. He successfully bought the scooter with his own savings. From then on, he knew 45 he could spend money wisely. 基础知识运用参考答案 一、 1．B 2．B 3．A 4．C 5．C 6．B 7．A 8．C 9．A 10．A 【导语】本文主要介绍彼得的理财习惯和用途。 1．句意：7岁时，他每周挣7英镑。 gets一般现在时；got一般过去时；will get一般将来时。根据“When he turned seven”可知，是一般过去时，故选B。 2．句意：现在他15岁了，每周得到15英镑。 gives一般现在时；is given一般现在时的被动语态；is giving现在进行时。根据“Now at the age of fifteen, he...£15 every week.”可知，主语是动作的承受者，时态是一般现在时，所以用一般现在时的被动语态，故选B。 3．句意：彼得家附近有一家购物中心。 There is有，It is它是；They are他们是。根据“...a shopping mall near Peter’s home.”可知，附近有一家购物中心。故选A。 4．句意：在周末，他和他的朋友们一起看激动人心的电影，或者带他的小弟弟去那里的游戏中心。 excite动词；excitement名词；exciting形容词。此处作定语修饰movies，用形容词形式，故选C。 5．句意：有时，他乘一个小时的公共汽车去另一个城镇的博物馆和动物园。 hour名词单数；hours名词复数；hour’s名词单数的所有格。此处作定语修饰“bus ride”，且空前有“one”，所以用名词单数的所有格形式，故选C。 6．句意：当他存了足够的钱，彼得去书店买好书，并把它们捐给有需要的孩子。 buy动词原形；to buy动词不定式；bought动词过去式。此处在句中表示目的，用动词不定式，故选B。 7．句意：他母亲对他花钱的方式很满意。 how如何；which哪一个；whether是否。根据“His mother is satisfied with...he spends his money.”可知，母亲对他花钱的方式很满意。故选A。 8．句意：这个习惯可以帮助彼得更好地理财。 need需要；must必须；can可以。根据“This habit...help Peter manage money well”可知，这个习惯可以帮助彼得更好地理财。故选C。 9．句意：彼得的母亲甚至建议早在孩子四岁时就给他们零花钱。 early原级；earlier比较级，earliest最高级。as...as中间用原级，故选A。 10．句意：学习如何处理金钱是一项有用的生活技能。 a泛指一个，用于辅音音素开头的单词前；an泛指一个，用于元音音素开头的单词前；the定冠词表特指。此处泛指一项生活技能，“useful”首字母发辅音音素，故选A。 二、 11．B 12．B 13．C 14．C 15．A 16．C 17．A 18．A 19．C 20．B 【导语】本文主要讲了中国的孩子们如何赚钱和花钱。 11．句意：中国的儿童在春节期间会从长辈那里收到压岁钱。 on在……上面；from来自；between在……之间。根据“Chinese children get lucky money...the elders”可知，中国的儿童会从长辈那里收到压岁钱，from符合语境。故选B。 12．句意：那么，孩子们会怎么处理他们的零花钱呢？ play with和……玩；do with处理；deal with处理，应对。根据“So what do kids...their pocket money?”可知，为“what...do with”，表示“如何处理”。故选B。 13．句意：一些聪明的父母会帮助他们把钱存入银行。 waste浪费；borrow借来；keep保存。根据“help them...the money in the bank”可知，帮他们把钱存入银行。故选C。 14．句意：孩子们很开心，因为他们可以通过这种方式获得更多的钱。 before在……以前；so所以；because因为。根据“The children are happy...they can get more money in this way.”可知，孩子们很开心是因为他们可以通过这种方式获得更多的钱，前一句是结果，后一句是原因。故选C。 15．句意：有些父母会付款给孩子，如果他们帮忙做家务。 pay付款；cost花费；spend花费。根据“Some parents...their children the money”可知，此处指付款给孩子，故选A。 16．句意：例如，孩子们可以通过做一些打扫或洗涤的工作来赚取一些零花钱。 fishing钓鱼；singing唱歌；washing洗涤。根据前文“do chores”和选项可知，洗涤属于家务。故选C。 17．句意：孩子们可以将他们旧的物品，如玩具和书籍，带到学校，并将其卖给同学。 sell售卖；carry搬运；take拿走。根据“bring their old things, such as toys and books, to school and...them to their classmates.”和后文“If other children like the things and buy them, they can make some money.”可推知，此处指将他们旧的物品卖给同学。故选A。 18．句意：一些父母也会在每个月月初帮助孩子制定一个周密的计划。 also也；too也；either也不。根据“Some parents...help their children to make a careful plan at the start of every month.”可知，本句为肯定句句中的“也”，用also。故选A。 19．句意：他们会告诉他们应该买什么，不应该买什么。 who谁；where在哪里；what什么。根据“They will tell them what they should buy and...they shouldn’t.”可知，他们会告诉他们应该买什么，不应该买什么。故选C。 20．句意：他们还教导孩子们如何购买物美价廉的商品。 bad坏的；cheap便宜的；expensive昂贵的。根据“how to buy...and good things as well.”和“children are becoming smart and careful shoppers.”可推知，购买物美价廉的商品可以成为聪明的买手。故选B。 三、 21．C 22．D 23．D 24．C 25．B 【导语】本文是一篇说明文，通过饼状图展示了梅梅和小明五月份零花钱的支出情况。 21．细节理解题。根据“Meimei’s money spending in May”饼状图中“sports 40%”可知，梅梅在运动方面花钱最多。故选C。 22．细节理解题。根据“Xiaoming’s money spending in May”饼状图中“travel 10%”，再对比其他项目占比可知，小明在旅行方面花钱最少。故选D。 23．细节理解题。根据两个饼状图，梅梅和小明在书籍（books）上的支出占比均为15%可知，他们在书籍上花的钱一样多。故选D。 24．细节理解题。根据“Meimei’s money spending in May”饼状图中“books 15%”“travel 15%”可知，梅梅在书籍和旅行上的支出一样多。故选C。 25．最佳标题题。文章主要展示了梅梅和小明零花钱的支出情况，体现了如何花钱，“Spending Money Wisely（明智地花钱）” 能概括文章主旨。故选B。 26．A 27．C 28．D 29．B 30．B 【导语】本文主要讲述了如何管理金钱以及形成正确的消费习惯。 26．细节理解题。根据“We need to know that our parents work hard to make money, and that it may be used up one day.”可知，金钱来自父母的辛勤工作，故选A。 27．细节理解题。根据“If we wish to own a new bicycle but can’t afford it, we can save our pocket money. How? Write down how much money we have in a notebook and watch it grow.”可知，通过买自行车的例子，作者想让孩子们学会设定储蓄目标，故选C。 28．词句猜测题。根据“After we have enough, we can buy that wonderful bicycle we’ve dreamed about! Reaching our goal will greatly satiate us.”可知，前文提到了有了足够的钱就可以买到梦寐以求的那辆漂亮的自行车了，划线出所在句子说的是“达到我们的目标将使我们非常满意”，因此推测，satiate意思是“满足”，与“Satisfy”相近，故选D。 29．细节理解题。根据“We shouldn’t spend all our money in one go. It’s important for us to have a budget.”可知，作者认为孩子们应该有花钱的计划，故选B。 30．最佳标题题。通读全文可知，本文主要讲述了如何管理金钱以及形成正确的消费习惯，最适合的标题是“管理金钱的方式”，故选B。 31．C 32．C 33．A 34．D 35．B 【导语】本文主要讲述了青少年应该学会如何管理金钱，并给出了一些建议。 31．细节理解题。根据“A budget is a plan that shows how much money you have and how you will spend it.”可知，预算指的是你有多少钱以及你将如何花费这些钱的计划，故选C。 32．细节理解题。根据“Saving money is important because it helps you prepare for the future.”可知，存钱的重要性在于为未来做准备。故选C。 33．细节理解题。根据“Avoid (避免) impulse buying, which is buying something without planning.”可知，文中提到“避免冲动购买”，所以应避免冲动购买才能明智消费。故选A。 34．主旨大意题。通过全文可知，文章重点讲述了青少年如何管理金钱，以及正确存钱和消费的建议，因此本文主旨为“青少年管理金钱的方法”。故选D。 35．词句猜测题。根据“But today schools and society had better pay more attention to the topic.”可知，最后一句中的“society”指的是“社会”，因为这是指学校和社会的责任所在。故选B。 四、 36．housework 37．feed 38．spent 39．when 40．it 41．first 42．getting 43．important 44．months 45．how 【导语】本文是一篇记叙文，讲述了双胞胎兄弟 Trevor 和 Trey 通过做家务赚取零花钱，以及 Trey 在哥哥的建议下学会储蓄、最终买到心仪滑板车的过程。文章旨在传递“理性消费、储蓄重要”的价值观。 36．句意：他们每周都有家务要做。根据后文描述的“They clean their rooms...If they do their own housework...”可知，这里说的是他们有家务要做，结合备选词，housework“家务”符合语境。故填housework。 37．句意：他们打扫房间，喂鱼和摆桌子。根据“the fish”可知，此处指喂鱼，feed“喂养”，是动词，and连接并列成分，此处动词形式与clean和set一致，用原形，故填feed。 38．句意：当Trey得到钱时，他尽快把钱花掉了。根据后文“He bought some delicious cakes, drinks and snacks he wanted.”可知，此处指他尽快把钱花掉了，结合备选词，spend“花费”符合语境，由“got”可知，句子时态是一般过去时，所以此处用过去式spent。故填spent。 39．句意：一天，当他们闲逛时，Trey看到了一辆滑板车。根据“...they hung out, Trey saw a scooter.”可知，此处指当他们闲逛时，Trey看到了一辆滑板车，when“当……时候”符合语境，引导时间状语从句。故填when。 40．句意：Trey想买这辆滑板车，但它太贵了。根据“Trey wanted to buy the scooter, but...was too expensive.”可知，此处指滑板车太贵了，用it指代前文提到的scooter。故填it。 41．句意：你得先存钱。根据后文“If you can learn to save money, you’ll be able to buy it soon!”可知，此处指先存钱，结合备选词，first“首先”符合语境。故填first。 42．句意：它可以让你避免陷入麻烦。根据“Keep saving”及“It keeps you from...into trouble!”可知，此处指存钱可以避免陷入麻烦，get into trouble“陷入麻烦”，from是介词，后接动名词。故填getting。 43．句意：为了尽快买到滑板车，Trey意识到在日常生活中存钱是很重要的，他不再每周都买零食了。根据“Trey realized it is...to save money in daily life”及结合备选词可知，此处指意识到在日常生活中存钱是很重要的，important“重要的”，形容词作表语。故填important。 44．句意：三个月后，Trey存够了钱。根据“Three...later”及结合备选词可知，此处指三个月后，month“月”，可数名词，three后接其复数形式。故填months。 45．句意：从那时起，他知道如何明智地花钱。根据“he knew...he could spend money wisely.”可知，此处指他知道如何明智地花钱，how“如何”，符合语境。故填how。 综合能力提升 一、完形填空 The Convenience of Paying In our daily life, we often need to buy things. And how we 1 is changing. Not long ago, we had to use 2 for every purchase. We had to count it carefully. But now, there are better ways. Credit cards are getting popular. They are a great 3 for people. You just need to swipe the card, and the 4 is done. It’s much faster than using cash. The most exciting change is mobile payment. With mobile payment apps, paying has become really 5 . You can pay for almost anything with your phone. For example, you can pay for a taxi ride or buy snacks at a store easily. These new payment methods also 6 us to manage money better. We can check how much we’ve spent at any time. However, we should still be careful. 7 our passwords safe is very important. Also, be aware of public Wi-Fi security when paying. Malicious (恶意的) networks could 8 your payment information. All in all, 9 payment ways bring us a lot of convenience. They make our lives easier. Next time you 10 something, you can choose the best way to pay. 1．A．look B．sell C．pay D．get 2．A．cards B．cash C．phones D．apps 3．A．choice B．chore C．chance D．check 4．A．job B．task C．payment D．work 5．A．difficult B．convenient C．slow D．hard 6．A．ask B．tell C．help D．want 7．A．Keeping B．Using C．Making D．Letting 8．A．protect B．steal C．save D．lend 9．A．new B．old C．expensive D．cheap 10．A．pick B．weigh C．buy D．try 二、阅读理解 It’s important to help children understand how to manage (管理) money. When are children old enough to learn about money? You might be surprised by the answer. “Research (研究) shows that children develop (发展) their habits by age seven, ” says Jessica Pelletier, a professor at the research center. “So, we need to start teaching them about healthy money decisions (决定) while they are getting to know about money.” In fact, the research center starts its plan at age six, when most kids are in their first year of primary school. Knowledge about money can’t be learned in a day. It can take a lifetime. “For this reason, we hope that parents can starț talking about money as early as possible.” says Pelletier. By year one, for example, kids should be learning sharing (分享). By year three of primary school, kids should start learning the responsibility (责任) of having pocket money, and by year four, kids should start practising saving money. Usually, children watch how the adults in their lives make money decisions first. Then, parents can begin the conversation with their children about money. The important thing is, if the adults in children’s lives can know more about managing money, they can help their kids understand better. And the best way to keep kids interested in learning about money is through games and fun activities. Here Pelletier shares her experience on teaching these knowledge to kids through play. She takes them on adventures (冒险) such as getting a gift card for their birthday, researching what they want to be when they grow up, and coming along with their big sister as she shops for clothes to watch how and why she makes these decisions. “Playing games about money management is a fun way to learn. Kids can learn while having fun,” she says. 11．When are children old enough to learn about money? A．Only after they are seven. B．When they know how to use money. C．Can be earlier than seven. D．When they go to school. 12．According to the second paragraph, children can ________. A．be good at managing money very quickly B．learn to use money as early as possible C．learn sharing at a very early age D．take the responsibility of giving pocket money 13．What did Pelletier do to teach children? A．Take them to go on different vacations. B．Make gift cards for herself. C．Tell them why she shops for clothes. D．Have interesting games and activities. 14．The writer’s writing purpose is to ________. A．ask for teachers’ help B．advertise a research center C．show kids problems of managing money D．help children learn knowledge about money 15．What is the best title of this passage? A．A Fun Way for Learning B．A Terrible Problem of Children C．Impossible for Children to Manage Money D．When Children Learn about Money With Alipay and WeChat, cashless (无现金的) payments are nothing new. Now, China is going further by encouraging more people to use digital (数字的) yuan or e-CNY, a digital currency (货币). Jiangsu province will encourage the use of e-CNY in its education system, according to a recent plan by the Jiangsu Education Department. By December of this year students in Jiangsu will probably pay tuition fees (学费), exam fees and receive scholarships (奖学金) in e-CNY. To use e-CNY, people just need to download (下载) the e-CNY app and open an account (账户). “The functions (功能) of e-CNY are exactly the same as those of the paper currency, except that the former is digital,” Mu Changchun, director of the People’s Bank of China’s Digital Currency Research Institute, told China Daily. But e-CNY is much safer compared to Alipay and WeChat payment. E-commerce (电子商务) platforms that accept payments by e-CNY will not have access to users’ personal information. “Users’ privacy protection with e-CNY is at the highest level among all existing payment tools,” said Mu. In addition, “the use of e-CNY can reduce transaction (交易) costs for smaller businesses,” said Zhou Maohua who works at China Everbright Bank. At present, third-party payment platforms such as Alipay and WeChat ask for certain fees when money is transferred (转账) through them. E-CNY payment, however, can transfer money directly from buyers to sellers, which will greatly reduce transaction costs. E-CNY has been trialed (试点) in 17 provinces and cities, such as Suzhou, Shenzhen and Chengdu. China is still working to expand (扩大) its usage in more areas. 16．At the very beginning of the passage, Alipay and WeChat are mentioned to ________. A．give examples B．introduce the background C．list numbers D．surprise the readers 17．What can the students do by e-CNY? A．Get scholarships. B．Open an account. C．Download the e-CNY app. D．Pay all fees. 18．What’s the advantage of digital yuan according to the passage? A．The functions are more than those of Alipay and WeChat payment. B．Digital yuan is much safer than any other payment tool. C．17 provinces will use digital yuan instead of Alipay and WeChat payment. D．It will greatly protect users’ personal information by digital yuan. 19．What is mentioned in paragraph 5? A．The safety protection about e-CNY. B．The disadvantages of e-CNY. C．The transaction costs about e-CNY. D．The popularity of e-CNY. 20．The writer’s writing purpose is to ________. A．create greater business opportunities B．call on people to use digital yuan C．change the way all people pay fees D．lead people to protect their privacy 三、选词填空 请阅读下面语篇，根据其内容，用方框中所给词的正确形式填空，使其通顺、连贯，。方框中有两个词为多余项。 I  get  sell  teach  decide  follow  he  draw  much  cake  worry  proper Last year, Dad gave my older brother Hywel and me $300 each. “Well, it’s not your pocket money,” he said. “Don’t spend it on many candies, 21 or other unnecessary things. You should try to use it to make a lot 22 money. And before you have the money, you should tell me and your mom what you are going to do with it.” Hywel moved first with an excellent idea. He bought some drones and then they 23 to others again online. He invested (投资) the full $300 and finally he 24 $260. “I also spent some of the profit (利润),” said Hywel, smiling from ear to ear. “I like both investing and spending! I bought clothes and food for 25 .” Seeing this, I was very 26 . I didn’t make any money. I thought of a good idea. I planned 27 my brother’s example. I first invested $100 of my money in my brother’s drone business. “But I’m much better at managing money,” I remembered telling my dad. And I made a 28 to invest the rest in currencies (货币). Since we were kids, Dad 29 us many important lessons about money. He always tells us, “It’s really important to learn how to manage your money 30 . Or your money will end up managing you.” His words will be useful for my whole life. 四、短文填空 阅读下面短文，根据语境或所给单词的提示，在每个空格内填入一个恰当的词，要求所填的词意义准确、形式正确，使短文意思完整、行文连贯。 My parents give pocket money to my sister and me every month. They hope we can be 31 (care) with money. Sometimes, they ask us to do different 32 (kind) of chores and pay us money. They want 33 (we) to know that it’s not easy to make money. They also want us not to waste money. So my sister 34 I have good shopping habits. When 35 (shop), we try 36 (we) best to find the best price. We are very happy to buy things with as little money 37 possible. And we try to share things 38 each other but not to buy things. At the start of every month, my parents help us to make   39 shopping list. My sister and I often buy things on sale. In these ways, we can spend money 40 (wise). We want to be smart shoppers. When I grow up, I will tell my children to be wise shoppers. 综合能力提升参考答案 一、 1．C 2．B 3．A 4．C 5．B 6．C 7．A 8．B 9．A 10．C 【导语】本文主要讲述了支付方式的变化。我们买东西付款时，以前用现金，现在是刷卡和手机支付。刷卡和手机支付给我们带来了很多方便。 1．句意：我们的支付方式正在发生变化。 look看；sell出售；pay支付；get得到。根据下文“Not long ago, we had to use...for every purchase. We had to count it carefully. But now, there are better ways. Credit cards are getting popular.”以及选项可知，此处是指支付方式发生了改变。故选C。 2．句意：不久前。我们每次买东西都不得不用现金。 cards卡片；cash现金；phones电话；应用程序。根据下文“We had to count it carefully.”以及选项可知，此处是指使用现金。故选B。 3．句意：对于人们来说，它们是一个很好的选择。 choice选择；chore家庭杂务；chance机会；check检查。根据下文“You just need to swipe the card, and the...is done. It’s much faster than using cash.”以及选项可知，此处是指信用卡是一个很好的选择。故选A。 4．句意：你仅仅需要刷卡，支付就完成了。 job工作；task任务；payment支付；work工作。根据“You just need to swipe the card, and the...is done.”以及选项可知，此处是指完成支付。故选C。 5．句意：有了移动支付应用程序，支付变得很便捷。 difficult困难的；convenient便捷的；slow慢的；hard硬的。根据下文“You can pay for almost anything with your phone.”以及选项可知，此处是指支付变得很便捷了。故选B。 6．句意：这些新的支付方式也帮助了我们更好地理财。 ask问；tell告诉；help帮助；want想要。根据下一句“We can check how much we’ve spent at any time.”以及选项可知，此处是指这些新的支付方式也帮助了我们更好地理财。故选C。 7．句意：保持我们的密码安全非常重要。 Keeping保持；Using使用；Making制作；Letting让”。根据上一句“However, we should still be careful.”以及选项可知，此处是指保持我们的密码安全。keep...safe保护……的安全。故选A。 8．句意：恶意网络可能会窃取你的支付信息。 protect保护；steal窃取；save挽救；lend借。根据“Malicious networks could...your payment information.”以及选项可知，此处是指恶意网络会窃取信息。故选B。 9．句意：总而言之，新的支付方式带给我们很多的便利。 new新的；old旧的；expensive贵的；cheap便宜的。根据前文“These new payment methods”以及选项可知，此处是指前文提到这些新的支付方式。故选A。 10．句意：下次你买一些东西时，你可以选择最佳方式去支付。 pick挑选；weigh称重量；buy买；try尝试。根据下文“you can choose the best way to pay”以及选项可知，此处是指下次你买一些东西时。故选C。 二、 11．C 12．C 13．D 14．D 15．D 【导语】本文主要讲述了帮助孩子理解如何管理金钱的重要性。 11．细节理解题。根据Pelletier说的“Research (研究) shows that children develop (发展) their habits by age seven,”和“For this reason, we hope that parents can starț talking about money as early as possible.”可知，孩子们可能早于7岁的时候，就可以学习管理金钱了，故选C。 12．细节理解题。根据“By year one, for example, kids should be learning sharing (分享).”可知，孩子们在很小的时候就可以学会分享，故选C。 13．细节理解题。根据“And the best way to keep kids interested in learning about money is through games and fun activities. Here Pelletier shares her experience on teaching these knowledge to kids through play.”可知，Pelletier通过有趣的游戏和活动向孩子们传授这些知识，故选D。 14．主旨大意题。通读全文，尤其根据“It’s important to help children understand how to manage (管理) money.”可知，作者的写作目的是帮助孩子们学习有关金钱的知识，故选D。 15．标题归纳题。本文主要介绍了孩子应该什么时候学习管理金钱以及如何管理金钱，选项D“孩子们什么时候学习理财”适合作为文章标题。故选D。 16．B 17．A 18．D 19．C 20．B 【导语】本文主要介绍了数字人民币的特点和功能。 16．推理判断题。根据“With Alipay and WeChat, cashless (无 现 金 的) payments are nothing new. Now, China is going further by encouraging more people to use digital (数字的) yuan or e-CNY, a digital currency (货币).”可推知，提到支付宝和微信是为了介绍数字人民币的背景，故选B。 17．细节理解题。根据“By December of this year students in Jiangsu will probably pay tuition fees (学费), exam fees and receive scholarships (奖学金) in e-CNY.”可知，学生可以通过数字人民币收到奖学金，故选A。 18．细节理解题。根据“Users’ privacy protection with e-CNY is at the highest level among all existing payment tools”可知，在现有的所有支付工具中，数字人民币对用户的隐私保护处于最高水平，故选D。 19．细节理解题。根据“the use of e-CNY can reduce transaction (交易) costs for smaller businesses ... E-CNY payment, however, can transfer money directly from buyers to sellers, which will greatly reduce transaction costs.”可知，本段提到了数字人民币的交易成本，故选C。 20．推理判断题。根据“China is still working to expand (扩大) its usage in more areas.”及全文内容可推知，作者写这篇文章的目的是号召人们使用数字人民币，故选B。 三、 21．cakes 22．more 23．were sold 24．got 25．myself 26．worried 27．to follow 28．decision 29．has taught 30．properly 【导语】本文主要讲述了父亲给两个孩子每人300美元，要求他们合理使用这笔钱来赚取更多钱的事情。 21．句意：不要把钱花在糖果、蛋糕或其他不必要的东西上。空处位于“many”后，填可数名词复数。根据“many candies”和“other unnecessary things”以及备选词汇可知，此处指不要花钱买糖果和蛋糕等。cake“蛋糕”，可数名词，复数形式为cakes。故填cakes。 22．句意：你们应该试着用它来赚更多的钱。根据“make a lot”和“money”以及备选词汇可知，此处指用300美元去赚更多的钱。空处位于“a lot”后，名词“money”前，填形容词比较级。much“许多的”，形容词，比较级为more。故填more。 23．句意：他买了一些无人机，然后在网上它们被再次卖给其他人。根据“He bought some drones”可知，此句时态为一般过去时。“they”指代前面提到的“drones”。根据“to others again”和“He invested (投资) the full $300”以及备选词汇可知，此处指无人机被售卖。sell“卖”，与主语“they”是逻辑上的动宾关系，用一般过去时态的被动语态，结构为was/were done。主语为“they”，be动词用were，sell的过去分词为sold。故填were sold。 24．句意：他投资了全部的300美元，最终得到了260美元。根据“He invested (投资) the full $300”可知，此句时态为一般过去时，空处位于主语“he”后，填动词过去式作谓语。根据“$260”和备选词汇可知，此处指卖了无人机得到260美元。get“得到”，动词，过去式为got。故填got。 25．句意：我给自己买了衣服和食物。根据“I bought clothes and food”和备选词汇可知，此处指给自己买衣服和食物。空处位于介词“for”后，且指“我”，用反身代词。I“我”，主格，反身代词为myself。故填myself。 26．句意：看到这个，我非常担心。空处位于“was very”后，且指人，填形容词作表语。根据“I didn’t make any money”和备选词汇可知，作者没有赚钱，感到担心。worry“担心”，动词，形容词为worried“担心的”，指人。故填worried。 27．句意：我计划效仿我哥哥的例子。根据“my brother’s example”和备选词汇可知，此处指作者要效仿哥哥赚钱的方法。follow“遵循”，动词。plan to do sth“计划做某事”，空处填动词不定式。follow的不定式为to follow。故填to follow。 28．句意：并且我决定将剩下的钱投资于货币。空处位于“a”后，填可数名词单数。根据“to invest the rest in currencies”和备选词汇可知，此处指决定投资货币。decide“决定”，动词，名词为decision，指具体的决定时，为可数名词。故填decision。 29．句意：从我们小时候起，父亲就教给我们许多关于钱的重要课程。根据“Since we were kids”可知，此句时态为现在完成时，结构为have/has done。主语为“Dad”，助动词用has。根据“many important lessons about money”和备选词汇可知，此处指教授作者许多关于钱的事情。teach“教”，动词，过去分词为taught。故填has taught。 30．句意：学会如何正确管理你的钱非常重要。空处修饰动词“manage”，填副词作状语。根据“It’s really important to learn how to manage your money”和备选词汇可知，此处指正确管理钱是重要的。proper“正确的”，形容词，副词为properly“正确地”。故填properly。 四、 31．careful 32．kinds 33．us 34．and 35．shopping 36．our 37．as 38．with 39．a 40．wisely 【导语】本文讲述了作者和妹妹如何通过做家务、管理零花钱，培养节约和明智消费的习惯，且父母帮助他们学习如何成为聪明的购物者。 31．句意：他们希望我们能谨慎地使用金钱。原句中的“be”后面应该接形容词，所以填入“careful”，表示“谨慎的”。故填careful。 32．句意：有时，他们会让我们做各种各样的家务并给我们钱。different kinds of表示“各种各样的”，固定短语。故填kinds。 33．句意：他们想让我们知道赚钱并不容易。动词“want”后面通常接宾语，这里指代的是“我们”，所以用宾格形式“us”。故填us。 34．句意：因此，我和妹妹养成了良好的购物习惯。这是一个固定表达，用于表示两个人共同做某事。故填and。 35．句意：在购物时，我们尽最大努力找到最优惠的价格。这是一个省略了主语的时间状语从句，完整形式为“when we are shopping”。在这种结构中，可以省略主语和部分谓语。故填shopping。 36．句意：在购物时，我们尽最大努力找到最优惠的价格。try one’s best to do sth.表示“尽某人最大的努力做某事”，固定表达。故填our。 37．句意：我们很高兴能用尽可能少的钱买到东西。as ... as possible是一个固定搭配，意思是“尽可能……”。在这里表示用最少的钱买东西。故选as。 38．句意：而且我们尽量互相分享东西，而不是各自购买。with each other是介词短语，意思是“彼此之间”。故填with。 39．句意：每个月初，我的父母会帮我们列一个购物清单。此处用冠词修饰单数可数名词“shopping list”，表示特指某一张清单，shopping以辅音音素开头。故填a。 40．句意：通过这些方法，我们可以明智地花钱。此处应用副词修饰动词“spend”，表示“明智地花钱”。故填wisely。 学科网（北京）股份有限公司 $