Unit 2 阅读理解专项训练 2026-2027学年外研版英语九年级上册

**基本信息** 聚焦青少年财务管理主题，通过现象-案例-理论逻辑链设计阅读理解训练，覆盖细节、推理等中考核心题型，提升语言能力与思维品质。 **专项设计** |模块|题量/典例|题型特征|知识逻辑| |----|-----------|----------|----------| |现象认知（Passage1-2）|2篇/4题|细节理解为主|呈现移动支付问题与零花钱管理初步实践| |实践案例（Passage3-5）|3篇/9题|推理判断+主旨题|通过具体项目展示理财行动与社会价值| |理论教育（Passage6-10）|5篇/29题|综合题型（词义/标题/推断）|系统构建金融素养知识，衔接中考考点|

Unit 2 阅读理解专项训练 2026-2027学年外研版九年级上册（教师版） Passage 1 In recent years, mobile payment has become very popular in China. People can pay for almost everything with their smartphones. This convenience has changed the way people handle money, especially for teenagers. A survey by China Youth Daily found that 85% of teenagers use mobile payment. However, this also brings some problems. Without seeing physical cash, many teenagers tend to overspend. They click “pay” without thinking, and before they know it, they have spent all their pocket money. To solve this problem, some parents use apps that set daily spending limits for their children. Others encourage their children to use cash for small purchases to feel the value of money. Schools also teach students about the risks of mobile payment and the importance of self-control. Experts suggest that teenagers should set a budget and track their spending. “Mobile payment is a useful tool, but it can also be a trap if not used wisely,” said one expert. “Learning to say no to unnecessary purchases is a key skill in the digital age.” 1．What percentage of teenagers use mobile payment according to the survey? A．75%. B．85%. C．90%. D．95%. 2．What is the main problem with mobile payment for teenagers? A．It is not safe. B．It is too slow. C．It leads to overspending. D．It is difficult to use. 3．What do some parents do to help their children control spending? A．They stop giving pocket money. B．They use apps to set spending limits. C．They forbid mobile payment completely. D．They give more pocket money. 【答案】1．B 2．C 3．B 【导语】本文主要介绍了中国移动支付在青少年中的普及情况，指出了其容易导致青少年超支的问题，并介绍了家长和学校采取的应对措施及专家的建议。 【详解】1．根据第二段“A survey by China Youth Daily found that 85% of teenagers use mobile payment.”可知，调查显示使用移动支付的青少年比例为85%。 2．根据第二段“However, this also brings some problems. Without seeing physical cash, many teenagers tend to overspend.”可知，青少年使用移动支付的主要问题是容易导致过度消费。 3．根据第三段“To solve this problem, some parents use apps that set daily spending limits for their children.”可知，部分家长通过使用apps设定消费限额来帮助孩子控制支出。 Passage 2 Nowadays, many teenagers get pocket money from their parents. A recent survey shows that about 70% of teenagers spend their money on snacks, games and online shopping. However, some teenagers are learning to manage their money wisely. Wang Hao, a 14-year-old student from Hangzhou, is one of them. He gets 100 yuan as pocket money every week. Instead of spending it all at once, he divides it into three parts: 50 yuan for daily needs like pens and notebooks, 30 yuan for savings, and 20 yuan for fun things like snacks or small gifts. “I write down every expense in a notebook,” Wang said. “It helps me know where my money goes. If I want to buy something expensive, I save money for it little by little.” His classmate Li Mei also has a good way. She often compares prices before buying anything. “I can find the same thing at a lower price online,” she said. “Also, I never buy things just because they are on sale. I only buy what I really need.” Their teacher, Mr. Zhang, is happy to see his students learning money management. “Managing money is an important life skill,” he said. “It helps teenagers become responsible and prepare for their future.” 4．How does Wang Hao divide his pocket money? A．50 yuan for savings, 30 yuan for daily needs, 20 yuan for fun. B．50 yuan for daily needs, 30 yuan for savings, 20 yuan for fun. C．50 yuan for fun, 30 yuan for savings, 20 yuan for daily needs. D．50 yuan for daily needs, 30 yuan for fun, 20 yuan for savings. 5．What does Wang Hao do to manage his money? A．He spends all his money at once. B．He writes down every expense in a notebook. C．He never buys snacks. D．He asks his parents for more money. 6．What does Li Mei do before buying things? A．She asks her friends for advice. B．She waits for a sale. C．She compares prices. D．She buys the first thing she sees. 【答案】4．B 5．B 6．C 【导语】本文介绍部分青少年学会理智管理零花钱，列举杭州学生王浩和同学李梅的理财方法，老师认为理财是重要的生活技能，有助于培养责任感、为未来做好准备。 【详解】4．根据原文第二段“he divides it into three parts: 50 yuan for daily needs like pens and notebooks, 30 yuan for savings, and 20 yuan for fun things like snacks or small gifts.”，王浩把零花钱分成三部分：50元用于日常所需，30元存起来，20元用于娱乐。 5．根据原文第三段“I write down every expense in a notebook,” Wang said.，王浩把每一笔开销都记在笔记本上，以此管理自己的钱。 6．根据原文第四段“She often compares prices before buying anything.”，李梅买东西之前会对比价格。 Passage 3 Dr. Lee, a professor from Peking University, visited a middle school to give a talk on financial literacy. She wore a simple dress and spoke in a friendly tone. “Many people think money management is only for adults,” she said. “But in fact, it’s a life skill that should be learned early.” Dr. Lee shared a story about two students. One spent all his money on the latest gadgets, while the other saved and invested in a small business. Years later, the saver had built a successful career, while the spender struggled with debt. “The difference,” she said, “is not how much money you have, but how you use it.” She also emphasized the importance of giving. “When you share your money with those in need, you not only help others but also develop a sense of gratitude. This is the true meaning of wealth.” The talk ended with a Q&A session. Many students asked about how to start investing. Dr. Lee advised them to start small and learn from mistakes. “Remember,” she said, “financial freedom is not about being rich overnight. It’s about making wise choices every day.” 7．What does the underlined word “it” in Paragraph 2 refer to? A．Money. B．A life skill. C．Financial literacy. D．A tool. 8．What can we infer from the story of the two students? A．Spending all money brings happiness. B．Saving and investing lead to success. C．Gadgets are a waste of money. D．Debt is unavoidable for young people. 9．What is Dr. Lee’s attitude towards giving? A．It is a waste of money. B．It helps develop gratitude. C．It is only for rich people. D．It should be avoided. 10．What is the best title for the text? A．How to Become Rich Quickly B．The Importance of Financial Literacy C．A Famous Professor from Peking University D．Why Teenagers Should Avoid Debt 【答案】7．A 8．B 9．B 10．B 【导语】本文主要讲述北京大学李教授在一所中学进行关于金融素养的演讲。她通过两个学生的故事说明了金钱管理和投资的重要性，强调了给予的意义，并指出财务自由在于每天做出明智的选择。 【详解】7．根据第二段最后一句“The difference... is not how much money you have, but how you use it”可知，这里的it指代前文提到的money（金钱）。 8．根据第二段中“One spent all his money on the latest gadgets, while the other saved and invested in a small business. Years later, the saver had built a successful career...”可知，存钱并投资的学生建立了成功的事业，而挥霍的学生陷入债务。由此可推断，储蓄和投资能通向成功。 9．根据第三段“When you share your money with those in need, you not only help others but also develop a sense of gratitude”可知，李教授认为给予不仅能帮助他人，还能培养感激之情。 10．通读全文可知，文章围绕李教授关于“financial literacy”金融素养的演讲展开，讨论了金钱管理、储蓄投资、给予以及明智选择的重要性，因此“The Importance of Financial Literacy”最能概括全文主题。 Passage 4 A group of teenagers in Nanjing started a project called “Fantasy for Hope”. They create and sell fantasy stories to raise money for poor children in rural (乡村的) areas. The project has been running for a year and has helped over 100 children. The group was founded by 15-year-old Lin Yue. She got the idea after reading a news report about children in rural areas who couldn't afford books. “I love writing fantasy stories,” Lin Yue said. “I thought, why not use my hobby to help others?” She invited her classmates to join her, and soon the group had 20 members. The teenagers spend their weekends writing fantasy stories. Their stories are full of magical characters and exciting adventures. For example, one story is about a girl who uses magic to help farmers grow crops in dry areas. Another tells of a boy who travels to a magical world to find a cure (疗法) for his sick friend. After writing the stories, the group publishes (出版) them as e-books and sells them online. They also hold book fairs at their schools. All the money raised is used to buy books and stationery for poor children. “It's amazing to see that our stories can make a difference,” said one member. “We not only help others but also improve our writing skills.” The project has received much support. Local bookstores have donated books, and some writers have given the teenagers writing advice. “These teenagers are creative and kind-hearted,” said a local writer. “Their project shows young people can use their talents to help those in need.” 11．Why did Lin Yue start the “Fantasy for Hope” project? A．To improve her writing skills. B．To raise money for poor children. C．To become a famous writer. D．To make friends with other teenagers. 12．What do the teenagers do on weekends? A．Read fantasy books. B．Sell e-books in bookstores. C．Write fantasy stories. D．Visit poor children in rural areas. 13．What do they do with the money raised? A．They buy books and stationery for poor children. B．They publish their own books. C．They donate it to local bookstores. D．They buy writing tools for themselves. 14．What can we learn from the project? A．Fantasy stories are easy to write. B．Young people can help others with their talents. C．Poor children don't like fantasy stories. D．E-books are more popular than paper books. 【答案】11．B 12．C 13．A 14．B 【导语】本文讲述南京一群青少年发起“Fantasy for Hope”项目，创作并售卖奇幻故事为乡村贫困孩子筹款，该项目既帮助他人，也提升成员写作能力，还收获了社会各界的支持。 【详解】11．根据原文第一段“They create and sell fantasy stories to raise money for poor children in rural areas.”，林月发起该项目是为了给贫困儿童筹集资金。 12．根据原文第三段“The teenagers spend their weekends writing fantasy stories.”，青少年们周末会写奇幻故事。 13．根据原文第四段“All the money raised is used to buy books and stationery for poor children.”，筹得的资金被用来为贫困儿童购买书籍和文具。 14．根据原文第五段“Their project shows young people can use their talents to help those in need.”，从这个项目我们可以得知年轻人可以运用自己的才能帮助他人。 Passage 5 In a small town in Zhejiang, a group of primary school students started a project called “Empty Bottle Art”. They collect empty plastic bottles from their homes and schools, and then turn them into beautiful flower pots, pencil holders and small toys. The project not only helps reduce waste but also raises money for charity. The idea came from a school lesson about environmental protection. The teacher asked the students to think of ways to reuse waste. One student, Li Lei, suggested using empty bottles to make useful things. Soon, more students joined in and the project was born. Every week, the students bring their empty bottles to school. They clean the bottles and use colourful paper, paint and other materials to decorate them. The finished products are sold at the school gate every Friday afternoon. The prices are very low, usually between 2 and 5 yuan, so many parents and neighbours come to buy them. So far, the project has collected over 2,000 bottles and raised more than 3,000 yuan. The money is used to buy books and school things for children in poor areas. The students feel very proud of what they have done. “This project teaches us that waste can be turned into treasure,” said Li Lei. “We also learn how to use money to help others. It's a great experience.” 15．Why did the students start the “Empty Bottle Art” project? A．To win a prize in a competition. B．To learn how to make beautiful things. C．To help protect the environment and raise money. D．To finish their homework on time. 16．What do the students do with the empty bottles? A．They throw them away. B．They sell them to a recycling centre. C．They use them to make useful things. D．They give them to their teachers. 17．How much do the finished products usually cost? A．1 to 3 yuan. B．2 to 5 yuan. C．5 to 10 yuan. D．10 to 20 yuan. 18．What is the main idea of the text? A．How to make beautiful things from waste. B．A school project that turns waste into treasure and helps others. C．The importance of environmental protection. D．How to raise money for poor children. 【答案】15．C 16．C 17．B 18．B 【导语】本文讲述了浙江某小镇的一群小学生发起了名为“空瓶艺术”的项目，该项目的创意源自一节环保课，学生们将收集来的空塑料瓶改造成花盆、笔筒等实用物品，售卖成品所得的善款会用于为贫困地区的儿童购置书籍和学习用品，学生们也在过程中收获了成长。 【详解】15．第一段“The project not only helps reduce waste but also raises money for charity.”提到，该项目既能减少浪费，也能为慈善筹款，同时项目的起源是环保相关课程，对应选项中“保护环境与筹款”的表述。 16．第二段“One student, Li Lei, suggested using empty bottles to make useful things.”提到，学生们将收集到的空瓶改造成实用的物品。 17．第三段“The prices are very low, usually between 2 and 5 yuan, so many parents and neighbours come to buy them.”明确说明成品的价格通常在2到5元之间，可直接对应正确选项。 18．全文围绕“空瓶艺术”校园项目展开，核心内容是将废弃空瓶改造为物品实现废物利用，同时售卖所得用于帮助他人，其余选项均为文中局部细节，无法概括全文核心内容。 Passage 6 Why is financial education important for teenagers? As teenagers start to get pocket money or part-time jobs, learning how to manage money is a necessary skill. First, financial education helps teenagers avoid bad habits. Many teens spend money on unnecessary things without thinking, which can lead to debt in the future. Learning to make a budget can help them control their spending. Second, it teaches them about saving and investing. Saving money for future goals like college or a car is important. Investing can help their money grow over time. Third, it prepares them for adult life. When they grow up, they will have to pay bills, rent and manage their own finances. Financial education isn’t just about making money. It’s about making smart choices with money. Every teenager should learn these skills early to have a stable financial future. 19．What is the passage mainly about? A．How to get pocket money as a teenager. B．The importance of financial education for teenagers. C．Ways to invest money for teenagers. D．How to avoid debt in adult life. 20．According to the passage, financial education helps teenagers ________. A．spend all their money on favorite things B．avoid bad spending habits C．borrow money easily D．get more part-time jobs 21．Which of the following is NOT mentioned in the passage? A．Making a budget to control spending. B．Saving money for future goals. C．Learning how to get rich quickly. D．Preparing for adult financial life. 22．Where can we probably read this text? A．A storybook for young kids. B．A school newspaper about education. C．A fashion magazine. D．A travel guide. 【答案】19．B 20．B 21．C 22．B 【导语】本文是一篇教育类议论文，阐述了青少年开展金融教育的多重价值，倡导青少年尽早学习理财技能以保障未来财务稳定。 【详解】19．第一段首句提到“Why is financial education important for teenagers?”，全文围绕青少年金融教育的重要性展开论述。 20．第二段第一句提到“First, financial education helps teenagers avoid bad habits”，能够看出金融教育可以帮助青少年规避不良消费习惯。 21．第二段提到“Learning to make a budget can help them control their spending” 对应A选项；第二段提到“Saving money for future goals like college or a car is important” 对应B选项；第二段提到“Third, it prepares them for adult life... manage their own finances” 对应D选项；全文没有提及快速致富的相关内容。 22．文章主题为青少年金融教育，属于教育相关话题，校园教育类校报是最契合的阅读载体，儿童故事书、时尚杂志、旅行指南均和本文主题不匹配。 Passage 7 Nowadays, teenagers’ growth and pocket‑money management draw lots of social attention. Many teenagers are full of creativity. Some take part in puppet performances, some join volunteer groups and others show their talent in different art forms. However, quite a few teenagers do not have good habits in dealing with pocket money. Some teenagers from wealthy families spend money without thinking. They buy expensive laptops or other fancy things just because their classmates have them. They seldom make a budget and hardly realise the real value of money. Educators give some useful advice for teenagers. First, make a clear budget for your pocket money every month. Second, form good saving habits. You can put part of your money in your piggy bank or your own account. Third, try to tell wants from needs. Do not buy things just because they are on sale. True pleasure does not come from expensive goods. When teenagers learn to manage money well, they are taking an important step towards independence. 23．What is the main idea of this passage? A．Puppetry art around the world. B．Teenagers’ creativity and money management. C．How to become a great performer. D．Different kinds of bank accounts. 24．What problem do some teenagers have according to the text? A．They have no pocket money at all. B．They spend money without clear plans. C．They refuse all expensive things. D．They never take part in any activities. 25．Which piece of advice is NOT mentioned in the text? A．Make a monthly budget. B．Develop good saving habits. C．Travel abroad as often as possible. D．Tell wants from real needs. 26．What brings true pleasure in the writer’s opinion? A．Owning lots of expensive toys. B．Having good habits and independence. C．Buying everything on sale. D．Having a very wealthy family. 27．What can we infer from the passage? A．Money management is important for teenagers’ growth. B．All teenagers can manage money perfectly. C．Teenagers should never spend any pocket money. D．Only rich teenagers need to learn about budgets. 【答案】23．B 24．B 25．C 26．B 27．A 【导语】本文是一篇说明文。文章探讨了青少年成长中的创造力与零花钱管理问题，指出了部分青少年消费无计划的现象，提供了教育者的建议，并强调了良好理财习惯对独立成长的重要性。 【详解】23．根据文章第1段“Nowadays, teenagers’ growth and pocket‑money management draw lots of social attention. Many teenagers are full of creativity…However, quite a few teenagers do not have good habits in dealing with pocket money.”可知，文章开篇点明主题涉及青少年成长、创造力及零花钱管理，后文围绕如何管理零花钱展开论述，选项B概括了全文核心内容。 24．根据文章第2段“They seldom make a budget and hardly realise the real value of money.”可知，部分青少年很少做预算且意识不到金钱的价值，即花钱没有清晰的计划，与选项B的表述一致。 25．根据文章第3段“First, make a clear budget for your pocket money every month. Second, form good saving habits…Third, try to tell wants from needs.”可知，文中列举了三条建议，包括制定预算、养成储蓄习惯和区分想要与需要，未提及尽可能出国旅行，因此选项C符合题意。 26．根据文章第4段“True pleasure does not come from expensive goods. When teenagers learn to manage money well, they are taking an important step towards independence.”可知，作者认为真正的快乐不来自昂贵商品，而是源于学会管理金钱、迈向独立，即良好的习惯和独立性，对应选项B。 27．根据文章第1段“teenagers’ growth and pocket‑money management draw lots of social attention”及第4段“taking an important step towards independence.”，全文强调理财是成长的重要部分，能通向独立，可知金钱管理对青少年成长很重要，选项A符合文章主旨逻辑。 Passage 8 You don’t have to spend a lot of money to have a great time. Usborne’s new book Managing Your Money is a guide to providing teenagers with financial (金融的) knowledge and skills. Here are some examples. ●Go out for less: Going out doesn’t have to mean spending a lot. Why not play a ball game in the park or go for a bike ride? If the weather isn’t great, look for free activities in your area or visit a free museum. ●Stay in: You don’t have to go out to have fun. Invite your friends round for a film night or a private party at home. ●Try DIY: There are many ideas online that you can try with materials (材料) you already have at home. It’s a great way to have fun and make full use of old things. You can find lots of easy ways to look after your money in Usborne’s Managing Your Money. To start reading online now, visit www.usborne.com/money. Join us! To be in with a chance of winning one of the five free copies of Usborne’s Managing Your Money, email programs@theweekjunior.com by 8th June 2025 and include the word MONEY in the subject line. For more information, please visit www.theweekjunior.co.uk/terms. If you are lucky enough, we will post the book to the address you provide. Check the information that you have to provide at www.dennis.co.uk/privacy-policy. 根据材料内容选择最佳答案。 28．Who is the book Managing Your Money mainly for? A．Parents. B．Teachers. C．Students. D．Bankers. 29．What are the three examples in the text about? A．How to kill time at home. B．How to save money while having fun. C．How to cut down on living costs by using old things. D．How to spend less money when shopping. 30．How can we read the book online? A．Visit www.usborne.com/money B．Visit www.theweekjunior.co.uk/terms. C．Visit www.dennis.co.uk/privacy-policy D．Email programs@theweekjunior.com. 31．What is needed in Mary’s email if she wishes to get the book for free? A．Her age. B．Her hobby. C．Her job. D．Her address. 32．What is this text? A．An email. B．A report. C．An ad. D．A play 【答案】28．C 29．B 30．A 31．D 32．C 【导语】本文是一篇应用文。文章主要介绍了Usborne出版的新书《Managing Your Money》，并提供了免费获取该书的相关信息。 【详解】28．文章第一段第二句“Usborne’s new book Managing Your Money is a guide to providing teenagers with financial knowledge and skills.”指出，这本书主要是为青少年提供金融知识和技能。 29．文章中的三个例子分别介绍了外出省钱、在家娱乐和DIY利用旧物，都是关于如何在享受乐趣的同时节省开支。 30．文章第六段“To start reading online now, visit www.usborne.com/money.”指出，可以在www.usborne.com/money在线阅读这本书。 31．文章最后一段第一句“we will post the book to the address you provide”指出，如果获奖，书籍将寄到你提供的地址，因此需要在邮件中提供地址。 32．文章介绍了新书内容并提供了免费获取的参与方式，属于广告宣传类文本。 Passage 9 “Money doesn’t grow on trees.” This is a common saying that reminds us money is not easy to get. Today, many young people are learning the importance of saving from a special course called “Money Management for Kids”. In this course, teachers don’t just talk about money. They use fun activities. For example, they give students a certain amount of “play money” and ask them to plan a class party. Students need to decide what to buy, where to buy it, and how much to spend. They learn that if they spend too much on snacks, they won’t have enough for drinks. The course also teaches students about the power of compounding (复利). A simple example is: if you save 100 yuan and get 10% interest (利息) every year, you will have 110 yuan after one year. The next year, you get interest not just on your 100 yuan, but also on the 10 yuan interest you earned. This helps students understand why saving early is so important. The teacher, Mr. Wang, says, “We want children to know that money is a tool (工具), not a goal. When they understand this, they can use it to achieve their dreams, like traveling or helping others. The key is to start small and be consistent (持之以恒的).” 33．The saying “Money doesn’t grow on trees.” means ________. A．money is valuable B．money is hard to get C．trees can produce money D．money is not important 34．In the “Money Management for Kids” course, students learn by ________. A．reading textbooks B．doing fun activities C．listening to speeches D．watching videos 35．What does the example of saving 100 yuan show? A．The importance of spending. B．The power of compounding. C．The way to plan a party. D．The price of snacks. 36．According to Mr. Wang, money is a ________. A．goal B．dream C．tool D．key 37．What’s the best title for this passage? A．How to Plan a Party B．The Importance of Saving Early C．Money Management for Kids D．The Power of Compounding 【答案】33．B 34．B 35．B 36．C 37．C 【导语】本文介绍了一门名为“儿童理财”的特色课程，该课程通过趣味活动、复利知识讲解等方式，帮助孩子们理解金钱的属性，树立正确的储蓄和金钱使用观念。 【详解】33．根据原文第一段第一句“This is a common saying that reminds us money is not easy to get.”，直接对应俗语的含义，即金钱很难获得。 34．根据原文第二段前两句“In this course, teachers don’t just talk about money. They use fun activities.”，可知课程通过趣味活动开展教学。 35．根据原文第三段开头“The course also teaches students about the power of compounding. A simple example is: if you save 100 yuan...”，可知存100元的例子是为了解释复利的作用。 36．根据原文第四段王老师的表述“We want children to know that money is a tool, not a goal.”，可知在王老师看来金钱是一种工具。 37．结合第一段“a special course called ‘Money Management for Kids’”和全文可知，全文围绕“儿童理财课程”展开介绍，Money Management for Kids是文章的最佳标题。 Passage 10 Three teenagers share their ways of managing pocket money. Amy (13, from London): I get £10 a week. I divide it into three parts: saving, spending and giving. 50% goes into my savings account for future needs like college. 30% is for daily things like snacks and stationery. The last 20% is for charity (慈善). This way, I can help others and also prepare for my future. Ben (14, from New York): I love video games and always want the latest ones. But they are expensive. So I set a goal. I need to save $15 every week from my allowance. When I reach $60, I can buy one game. It takes patience, but when I finally get the game, I feel it's really worth it. I also use a moneybox and put a note on it saying “My Game Fund”. Cindy (12, from Sydney): My parents give me $8 a week, but I can earn extra money by doing housework, like washing the car or walking the dog. I keep all my money in a tin. Every month, I count it and write down the total. I also make a simple plan for what I want to buy. This helps me control my spending. I never buy things I don’t really need. 38．How does Amy deal with her pocket money? A．She spends all on snacks. B．She saves all for college. C．She divides it into three parts. D．She gives all to charity. 39．What does Ben save money for? A．College. B．Charity. C．Video games. D．Housework. 40．How can Cindy get extra money? A．By asking her parents. B．By doing housework. C．By selling old things. D．By saving from snacks. 41．According to Cindy, what helps her control her spending? A．Using a tin. B．Counting money. C．Making a plan. D．Buying cheap things. 42．What do the three teenagers have in common? A．They all have a savings account. B．They all save money for a purpose. C．They all do housework for money. D．They all spend money on games. 【答案】38．C 39．C 40．B 41．C 42．B 【导语】本文介绍了三位青少年管理零花钱的不同方式：Amy将零花钱分为三部分，Ben为买游戏而存钱，Cindy通过做家务赚取额外收入并制定消费计划。 【详解】38．文章第一段Amy指出“I divide it into three parts: saving, spending and giving.”，直接说明她将零花钱分为三部分。 39．文章第二段Ben指出“I love video games and always want the latest ones...I need to save $15 every week...When I reach $60, I can buy one game.”，直接说明他存钱是为了买电子游戏。 40．文章第三段Cindy指出“I can earn extra money by doing housework, like washing the car or walking the dog.”，直接说明她通过做家务赚取额外零花钱。 41．文章第三段Cindy指出“I also make a simple plan for what I want to buy. This helps me control my spending.”，直接说明制定计划帮助她控制花费。 42．Amy存钱为大学做准备，Ben存钱为买游戏，Cindy存钱并制定计划控制消费。由此推断，三个孩子的共同点在于他们都是为某个目标而存钱。 学科网（北京）股份有限公司 $ Unit 2 阅读理解专项训练 2026-2027学年外研版九年级上册（学生版） Passage 1 In recent years, mobile payment has become very popular in China. People can pay for almost everything with their smartphones. This convenience has changed the way people handle money, especially for teenagers. A survey by China Youth Daily found that 85% of teenagers use mobile payment. However, this also brings some problems. Without seeing physical cash, many teenagers tend to overspend. They click “pay” without thinking, and before they know it, they have spent all their pocket money. To solve this problem, some parents use apps that set daily spending limits for their children. Others encourage their children to use cash for small purchases to feel the value of money. Schools also teach students about the risks of mobile payment and the importance of self-control. Experts suggest that teenagers should set a budget and track their spending. “Mobile payment is a useful tool, but it can also be a trap if not used wisely,” said one expert. “Learning to say no to unnecessary purchases is a key skill in the digital age.” 1．What percentage of teenagers use mobile payment according to the survey? A．75%. B．85%. C．90%. D．95%. 2．What is the main problem with mobile payment for teenagers? A．It is not safe. B．It is too slow. C．It leads to overspending. D．It is difficult to use. 3．What do some parents do to help their children control spending? A．They stop giving pocket money. B．They use apps to set spending limits. C．They forbid mobile payment completely. D．They give more pocket money. Passage 2 Nowadays, many teenagers get pocket money from their parents. A recent survey shows that about 70% of teenagers spend their money on snacks, games and online shopping. However, some teenagers are learning to manage their money wisely. Wang Hao, a 14-year-old student from Hangzhou, is one of them. He gets 100 yuan as pocket money every week. Instead of spending it all at once, he divides it into three parts: 50 yuan for daily needs like pens and notebooks, 30 yuan for savings, and 20 yuan for fun things like snacks or small gifts. “I write down every expense in a notebook,” Wang said. “It helps me know where my money goes. If I want to buy something expensive, I save money for it little by little.” His classmate Li Mei also has a good way. She often compares prices before buying anything. “I can find the same thing at a lower price online,” she said. “Also, I never buy things just because they are on sale. I only buy what I really need.” Their teacher, Mr. Zhang, is happy to see his students learning money management. “Managing money is an important life skill,” he said. “It helps teenagers become responsible and prepare for their future.” 4．How does Wang Hao divide his pocket money? A．50 yuan for savings, 30 yuan for daily needs, 20 yuan for fun. B．50 yuan for daily needs, 30 yuan for savings, 20 yuan for fun. C．50 yuan for fun, 30 yuan for savings, 20 yuan for daily needs. D．50 yuan for daily needs, 30 yuan for fun, 20 yuan for savings. 5．What does Wang Hao do to manage his money? A．He spends all his money at once. B．He writes down every expense in a notebook. C．He never buys snacks. D．He asks his parents for more money. 6．What does Li Mei do before buying things? A．She asks her friends for advice. B．She waits for a sale. C．She compares prices. D．She buys the first thing she sees. Passage 3 Dr. Lee, a professor from Peking University, visited a middle school to give a talk on financial literacy. She wore a simple dress and spoke in a friendly tone. “Many people think money management is only for adults,” she said. “But in fact, it’s a life skill that should be learned early.” Dr. Lee shared a story about two students. One spent all his money on the latest gadgets, while the other saved and invested in a small business. Years later, the saver had built a successful career, while the spender struggled with debt. “The difference,” she said, “is not how much money you have, but how you use it.” She also emphasized the importance of giving. “When you share your money with those in need, you not only help others but also develop a sense of gratitude. This is the true meaning of wealth.” The talk ended with a Q&A session. Many students asked about how to start investing. Dr. Lee advised them to start small and learn from mistakes. “Remember,” she said, “financial freedom is not about being rich overnight. It’s about making wise choices every day.” 7．What does the underlined word “it” in Paragraph 2 refer to? A．Money. B．A life skill. C．Financial literacy. D．A tool. 8．What can we infer from the story of the two students? A．Spending all money brings happiness. B．Saving and investing lead to success. C．Gadgets are a waste of money. D．Debt is unavoidable for young people. 9．What is Dr. Lee’s attitude towards giving? A．It is a waste of money. B．It helps develop gratitude. C．It is only for rich people. D．It should be avoided. 10．What is the best title for the text? A．How to Become Rich Quickly B．The Importance of Financial Literacy C．A Famous Professor from Peking University D．Why Teenagers Should Avoid Debt Passage 4 A group of teenagers in Nanjing started a project called “Fantasy for Hope”. They create and sell fantasy stories to raise money for poor children in rural (乡村的) areas. The project has been running for a year and has helped over 100 children. The group was founded by 15-year-old Lin Yue. She got the idea after reading a news report about children in rural areas who couldn't afford books. “I love writing fantasy stories,” Lin Yue said. “I thought, why not use my hobby to help others?” She invited her classmates to join her, and soon the group had 20 members. The teenagers spend their weekends writing fantasy stories. Their stories are full of magical characters and exciting adventures. For example, one story is about a girl who uses magic to help farmers grow crops in dry areas. Another tells of a boy who travels to a magical world to find a cure (疗法) for his sick friend. After writing the stories, the group publishes (出版) them as e-books and sells them online. They also hold book fairs at their schools. All the money raised is used to buy books and stationery for poor children. “It's amazing to see that our stories can make a difference,” said one member. “We not only help others but also improve our writing skills.” The project has received much support. Local bookstores have donated books, and some writers have given the teenagers writing advice. “These teenagers are creative and kind-hearted,” said a local writer. “Their project shows young people can use their talents to help those in need.” 11．Why did Lin Yue start the “Fantasy for Hope” project? A．To improve her writing skills. B．To raise money for poor children. C．To become a famous writer. D．To make friends with other teenagers. 12．What do the teenagers do on weekends? A．Read fantasy books. B．Sell e-books in bookstores. C．Write fantasy stories. D．Visit poor children in rural areas. 13．What do they do with the money raised? A．They buy books and stationery for poor children. B．They publish their own books. C．They donate it to local bookstores. D．They buy writing tools for themselves. 14．What can we learn from the project? A．Fantasy stories are easy to write. B．Young people can help others with their talents. C．Poor children don't like fantasy stories. D．E-books are more popular than paper books. Passage 5 In a small town in Zhejiang, a group of primary school students started a project called “Empty Bottle Art”. They collect empty plastic bottles from their homes and schools, and then turn them into beautiful flower pots, pencil holders and small toys. The project not only helps reduce waste but also raises money for charity. The idea came from a school lesson about environmental protection. The teacher asked the students to think of ways to reuse waste. One student, Li Lei, suggested using empty bottles to make useful things. Soon, more students joined in and the project was born. Every week, the students bring their empty bottles to school. They clean the bottles and use colourful paper, paint and other materials to decorate them. The finished products are sold at the school gate every Friday afternoon. The prices are very low, usually between 2 and 5 yuan, so many parents and neighbours come to buy them. So far, the project has collected over 2,000 bottles and raised more than 3,000 yuan. The money is used to buy books and school things for children in poor areas. The students feel very proud of what they have done. “This project teaches us that waste can be turned into treasure,” said Li Lei. “We also learn how to use money to help others. It's a great experience.” 15．Why did the students start the “Empty Bottle Art” project? A．To win a prize in a competition. B．To learn how to make beautiful things. C．To help protect the environment and raise money. D．To finish their homework on time. 16．What do the students do with the empty bottles? A．They throw them away. B．They sell them to a recycling centre. C．They use them to make useful things. D．They give them to their teachers. 17．How much do the finished products usually cost? A．1 to 3 yuan. B．2 to 5 yuan. C．5 to 10 yuan. D．10 to 20 yuan. 18．What is the main idea of the text? A．How to make beautiful things from waste. B．A school project that turns waste into treasure and helps others. C．The importance of environmental protection. D．How to raise money for poor children. Passage 6 Why is financial education important for teenagers? As teenagers start to get pocket money or part-time jobs, learning how to manage money is a necessary skill. First, financial education helps teenagers avoid bad habits. Many teens spend money on unnecessary things without thinking, which can lead to debt in the future. Learning to make a budget can help them control their spending. Second, it teaches them about saving and investing. Saving money for future goals like college or a car is important. Investing can help their money grow over time. Third, it prepares them for adult life. When they grow up, they will have to pay bills, rent and manage their own finances. Financial education isn’t just about making money. It’s about making smart choices with money. Every teenager should learn these skills early to have a stable financial future. 19．What is the passage mainly about? A．How to get pocket money as a teenager. B．The importance of financial education for teenagers. C．Ways to invest money for teenagers. D．How to avoid debt in adult life. 20．According to the passage, financial education helps teenagers ________. A．spend all their money on favorite things B．avoid bad spending habits C．borrow money easily D．get more part-time jobs 21．Which of the following is NOT mentioned in the passage? A．Making a budget to control spending. B．Saving money for future goals. C．Learning how to get rich quickly. D．Preparing for adult financial life. 22．Where can we probably read this text? A．A storybook for young kids. B．A school newspaper about education. C．A fashion magazine. D．A travel guide. Passage 7 Nowadays, teenagers’ growth and pocket‑money management draw lots of social attention. Many teenagers are full of creativity. Some take part in puppet performances, some join volunteer groups and others show their talent in different art forms. However, quite a few teenagers do not have good habits in dealing with pocket money. Some teenagers from wealthy families spend money without thinking. They buy expensive laptops or other fancy things just because their classmates have them. They seldom make a budget and hardly realise the real value of money. Educators give some useful advice for teenagers. First, make a clear budget for your pocket money every month. Second, form good saving habits. You can put part of your money in your piggy bank or your own account. Third, try to tell wants from needs. Do not buy things just because they are on sale. True pleasure does not come from expensive goods. When teenagers learn to manage money well, they are taking an important step towards independence. 23．What is the main idea of this passage? A．Puppetry art around the world. B．Teenagers’ creativity and money management. C．How to become a great performer. D．Different kinds of bank accounts. 24．What problem do some teenagers have according to the text? A．They have no pocket money at all. B．They spend money without clear plans. C．They refuse all expensive things. D．They never take part in any activities. 25．Which piece of advice is NOT mentioned in the text? A．Make a monthly budget. B．Develop good saving habits. C．Travel abroad as often as possible. D．Tell wants from real needs. 26．What brings true pleasure in the writer’s opinion? A．Owning lots of expensive toys. B．Having good habits and independence. C．Buying everything on sale. D．Having a very wealthy family. 27．What can we infer from the passage? A．Money management is important for teenagers’ growth. B．All teenagers can manage money perfectly. C．Teenagers should never spend any pocket money. D．Only rich teenagers need to learn about budgets. Passage 8 You don’t have to spend a lot of money to have a great time. Usborne’s new book Managing Your Money is a guide to providing teenagers with financial (金融的) knowledge and skills. Here are some examples. ●Go out for less: Going out doesn’t have to mean spending a lot. Why not play a ball game in the park or go for a bike ride? If the weather isn’t great, look for free activities in your area or visit a free museum. ●Stay in: You don’t have to go out to have fun. Invite your friends round for a film night or a private party at home. ●Try DIY: There are many ideas online that you can try with materials (材料) you already have at home. It’s a great way to have fun and make full use of old things. You can find lots of easy ways to look after your money in Usborne’s Managing Your Money. To start reading online now, visit www.usborne.com/money. Join us! To be in with a chance of winning one of the five free copies of Usborne’s Managing Your Money, email programs@theweekjunior.com by 8th June 2025 and include the word MONEY in the subject line. For more information, please visit www.theweekjunior.co.uk/terms. If you are lucky enough, we will post the book to the address you provide. Check the information that you have to provide at www.dennis.co.uk/privacy-policy. 28．Who is the book Managing Your Money mainly for? A．Parents. B．Teachers. C．Students. D．Bankers. 29．What are the three examples in the text about? A．How to kill time at home. B．How to save money while having fun. C．How to cut down on living costs by using old things. D．How to spend less money when shopping. 30．How can we read the book online? A．Visit www.usborne.com/money B．Visit www.theweekjunior.co.uk/terms. C．Visit www.dennis.co.uk/privacy-policy D．Email programs@theweekjunior.com. 31．What is needed in Mary’s email if she wishes to get the book for free? A．Her age. B．Her hobby. C．Her job. D．Her address. 32．What is this text? A．An email. B．A report. C．An ad. D．A play Passage 9 “Money doesn’t grow on trees.” This is a common saying that reminds us money is not easy to get. Today, many young people are learning the importance of saving from a special course called “Money Management for Kids”. In this course, teachers don’t just talk about money. They use fun activities. For example, they give students a certain amount of “play money” and ask them to plan a class party. Students need to decide what to buy, where to buy it, and how much to spend. They learn that if they spend too much on snacks, they won’t have enough for drinks. The course also teaches students about the power of compounding (复利). A simple example is: if you save 100 yuan and get 10% interest (利息) every year, you will have 110 yuan after one year. The next year, you get interest not just on your 100 yuan, but also on the 10 yuan interest you earned. This helps students understand why saving early is so important. The teacher, Mr. Wang, says, “We want children to know that money is a tool (工具), not a goal. When they understand this, they can use it to achieve their dreams, like traveling or helping others. The key is to start small and be consistent (持之以恒的).” 33．The saying “Money doesn’t grow on trees.” means ________. A．money is valuable B．money is hard to get C．trees can produce money D．money is not important 34．In the “Money Management for Kids” course, students learn by ________. A．reading textbooks B．doing fun activities C．listening to speeches D．watching videos 35．What does the example of saving 100 yuan show? A．The importance of spending. B．The power of compounding. C．The way to plan a party. D．The price of snacks. 36．According to Mr. Wang, money is a ________. A．goal B．dream C．tool D．key 37．What’s the best title for this passage? A．How to Plan a Party B．The Importance of Saving Early C．Money Management for Kids D．The Power of Compounding Passage 10 Three teenagers share their ways of managing pocket money. Amy (13, from London): I get £10 a week. I divide it into three parts: saving, spending and giving. 50% goes into my savings account for future needs like college. 30% is for daily things like snacks and stationery. The last 20% is for charity (慈善). This way, I can help others and also prepare for my future. Ben (14, from New York): I love video games and always want the latest ones. But they are expensive. So I set a goal. I need to save $15 every week from my allowance. When I reach $60, I can buy one game. It takes patience, but when I finally get the game, I feel it's really worth it. I also use a moneybox and put a note on it saying “My Game Fund”. Cindy (12, from Sydney): My parents give me $8 a week, but I can earn extra money by doing housework, like washing the car or walking the dog. I keep all my money in a tin. Every month, I count it and write down the total. I also make a simple plan for what I want to buy. This helps me control my spending. I never buy things I don’t really need. 38．How does Amy deal with her pocket money? A．She spends all on snacks. B．She saves all for college. C．She divides it into three parts. D．She gives all to charity. 39．What does Ben save money for? A．College. B．Charity. C．Video games. D．Housework. 40．How can Cindy get extra money? A．By asking her parents. B．By doing housework. C．By selling old things. D．By saving from snacks. 41．According to Cindy, what helps her control her spending? A．Using a tin. B．Counting money. C．Making a plan. D．Buying cheap things. 42．What do the three teenagers have in common? A．They all have a savings account. B．They all save money for a purpose. C．They all do housework for money. D．They all spend money on games. 学科网（北京）股份有限公司 $