1、g alone or in the country, driving is important for preserving their independence, giving them the freedom to get out and about without having to rely on others.” “But we all have to accept that as we get older our reactions slow down and this often results in people avoiding any potentially challen
2、ging driving conditions and losing confidence in their driving skills. The result is that people stop driving before they really need to.”Dr Amy Guo, the leading researcher on the older driver study, explains, “The DriveLAB is helping us to understand what the key stress points and difficulties are
3、for older drivers and how we might use technology to address these problems. “For example, most of us would expect older drivers always go slower than everyone else but surprisingly, we found that in 30mph zones they struggled to keep at a constant speed and so were more likely to break the speed li
4、mit and be at risk of getting fined. Were looking at the benefits of systems which control their speed as a way of preventing that. “We hope that our work will help with technological solutions(解决方案) to ensure that older drivers stay safer behind the wheel.”32.What is the purpose of the Drivel AB?A.
5、To explore new means of transport. B.To design new types of cars.C.To find out older drivers problems. D.To teach people traffic rules.33.Why is driving important for older people according to Phil Blythe?A.It keeps them independent. B.It helps them save time.C.It builds up their strength. D.It cure
6、s their mental illnesses.34.What do researchers hope to do for older drivers?A.Improve their driving skills. B.Develop driver-assist technologies.C.Provide tips on repairing their cars. D.Organize regular physical checkups.35.What is the best title for the text?A.A new Model Electric Car B.A Solutio
7、n to Traffic ProblemC.Driving Service for elders D.Keeping Older Drivers on the Road第二节 (共5小题；每小题2分，满分10分) 根据短文内容，从短文后的选项中选出能填入空白处的学&科&网最佳选项。选项中有两项为多余选项。Lots of people find it hard to get up in the morning, and put the blame on the alarm clock. In fact, the key to easy morning wake-up lies in restin
8、g your body clock 36 . Here is how to make one. 37 In order to make a change, you need to decide why its important. Do you want to get up in time to have breakfast with your family, get in some exercise, or just be better prepared for your day? Once you are clear about your reasons, tell your family
9、 or roommates about the change you want to make.l Rethink mornings. Now that you know why you want to wake up, consider re-arranging your morning activities. If you want time to have breakfast with your family, save some time the night before by setting out clothes, shoes, and bags. 38 Thats a quart
10、er-hour more you could be sleeping if you bought a coffee maker with a timer.l Keep your sleep/wake schedule on weekends. If youre tired out by Friday night, sleeping in on Saturday could sound wonderful. But compensating on the weekends actually feeds into your sleepiness the following week, a rece
11、nt study found. 39 l Keep a record and evaluate it weekly. Keep track of your efforts and write down how you feel. After youve tried a new method for a week, take a look at your record. 40 If not, take another look at other methods you could try.A. Get a sleep specialist.B. Find the right motivation
12、.C. A better plan for sleep can help.D. And consider setting a second alarm.E. If the steps you take are working, keep it up.F. Stick to your set bedtime and wake-up time, no matter the day.G. Reconsider the 15 minutes you spend in line at the caf to get coffee.第三部分语言知识运用(共两节，满分45分)第一节 (共20小题；每小题1.5
13、分，满分30分)阅读下面短文，从短文后各题所给的A、B、C和D四个选项中，选出可以填入空白处的最佳选项。ATorontomanisofferingafreeround-the-worldairtotherightwoman.But_41_apply.YoumustbenamedElizabethGallagherandhaveaCanadian_42_ .Jordan Axani, 28, said he and his then girlfriend, Elizabeth Gallagher, booked heavily discounted round-the-world air tic
14、kets in May, but their 43 ended and he did not want her ticket to 44 . The ticket had a strict no-transfer（不可转让） 45 , but since passport information was not required when 46 , any Canadian Elizabeth Gallagher can 47 it. “I just want to see the ticket go to good use and for someone to 48 a lot of joy
15、,” said Axani. He posted his 49 on a social networking website, and received thousands of e-mails, including thirty from actual Elizabeth Gallaghers with the 50 passports, “More 51 , there are hundreds of Canadians who are interested in 52 their name to Elizabeth Gallagher,” Axani said. “It was abso
16、lutely out of 53 , thousands of e-mails, people around the world 54 their stories of travel.”Axani wrote in his post that he is not 55 anything in return and that the woman who uses the 56 ticket can choose to either travel with him or 57 the ticket and travel on her own.The 58 is scheduled to start
17、 on December 21 in New York City and continue on to Milan, Prague, Paris, Bangkok and New Delhi before 59 in Toronto on January 8. He said the 60 woman will be announced on the website and the trip will be shared online.41.A.benefitsB.depositsC.restrictions D.examinations42.A.originB.passportC.accen
18、tD.friend43.A.holidayB.marriageC.dreamD.relationship44.A.go to wasteB.come to mindC. go on saleD.come into effect 45.A.policyB.orderC.paymentD.schedule46.A.applyingB.bookingC.checkingD.bargaining47.A.useB.borrow C.choose D.buy48.A.sacrificeB.expressC.experienceD.provide49.A.answerB.adviceC.offerD.co
19、mment50.A.sameB.right C.newD.real51. A. interesting B. annoying C. satisfying D. convincing52. A. writing B. giving C. lending D. changing53. A. touch B. question C. date D. control54. A. admiring B. advertising C. sharing D. doubting55. A. leaving B. looking for C. losing D. dealing with 56. A.sing
20、le B. strange C. regular D. extra57. A. return B. take C. reserve D. hide58. A. interview B. program C. trip D. meeting59. A. ending B. calling C. repeating D. staying60.A.honored B. lovely C. intelligent D. lucky第二节 (共10小题；每小题1.5分，满分15分)阅读下面短文，在空白处填入 1个适当的单词或括号内单词的正确形式。She looks like any other scho
21、olgirl, fresh-faced and full of life. Sarah Thomas is looking forward to challenge of her new A-level course .But unlike school friends ,16-year-old Sarah is not spending half-term 61 (rest).Instead, she is earning $6,500 a day as 62 model in New York. Sarah 63 (tell) that she could be Britains 纅纅 !
22、誈怀偀灰褉篣蝔蝦倀恠偀恰!蠀鎂!髾!褄诣蟴睄艋İ鎂!脀鎇!脀鎂脐谀鎇谀 19038、ISO 10004等标准建立起基于企业网络舆情大数据超大样本满意度测评模型WebCSI，解决了传统调查方法存在的样本小、答卷难、误差大、成本高和效率低等难题。WebCSI指数已经成为一些知名企业客户服务质量评估和内部业绩考核依据。二、测评指标包括企业信誉、网站系统、网站信息、网站服务、标的价值、交易安全、提现和赎回、用户体验等8个方面。4.2 网络借贷平台投资人满意度分析据iTrust统计和测评，截止2017年12月31日全国共有1863家左右网贷企业正常经营,投资人满意度指数最高为89.66%（满意），最低为
23、52.32%（不满意），平均值为61.7%（满意度一般），网贷行业整体满意度一般偏低。2017年网贷行业投资人满意度分布情况见图表4.1。网贷行业投资人满意度指数分布情况介绍如下:（一）投资人很满意企业，即满意度指数大于等于90%的企业为0家；（二）投资人满意企业，即满意度指数小于90%且大于等于80%的企业有161家，占目前正常运营平台8.6%；（三）投资人较满意企业，即满意度指数小于80%且大于等于70%的企业有175家，占目前正常运营平台9.4%；（四）投资人满意度一般企业，即满意度指数小于70%且大于等于60%的企业有860家，占目前正常运营平台46.2%；（五）投资人不满意企业，即满
24、意度指数小于60%的企业有667家，占目前正常运营平台35.8%。从上述数据可以得出如下几个结论：（一）网贷行业投资人满意度平均值为61.7%，投资人满意度总体偏低，具体体现在标的价值、交易安全、提现和赎回等三项指标值偏低，表明该行业还处于发展初期，投资人对投资安全和回报不满意。（二）超过1/3企业的满意度低于60%，投资人不满意比例过高，表明该行业存在的问题比较严重，服务能力差和管理水平低的企业数量过多，行业急需规范和洗牌，估计在2018年行业大洗牌时，这部分企业将可能转行或停业。4.3 2017年中国互联网金融投资人满意品牌TOP1002018年初，作为国内知名第三方专业机构iTrust互
25、联网信用评价中心联合满意度指数测评中心在京隆重发布2017年中国网贷投资人满意品牌TOP100排行榜。本次公益活动自2017年1月份开展以来，吸引了广大投资人的积极参与，也得到了网贷企业的大力支持。评选小组通过大数据口碑采集、网络打分测评、人工尽调初选、专家评选审核等程序，最后确定TOP100排行榜。在最终入选TOP100的企业中，投资人满意度指数为82.1%，总体趋于满意。2017年中国互联网金融投资人满意品牌TOP100见图表4.2。5. 网络借贷平台信用状况分析5.1 网络借贷平台信用评价信用评价是对企业在履行商业协议、兑现服务许诺、确保网站信息真实性和安全性等方面的能力、意愿和行为的可
26、信度评价。信用等级分为AAA优秀、AA优良、A良好，BBB行业平均水平、BB欠佳、B较差，CCC很差、CC极差、C无信用等九级。一、评价依据依据GB/T 23794-2009等企业信用评价国家标准，参考银行信贷信用评级指标和标准。二、评价指标包括行业发展指数、公司基本素质、人力资源指数、产品服务质量、综合管理能力、公共信用记录、财务经营能力等7项一级指标。5.2 网络借贷行业信用分析据iTrust统计和评价，截止2017年12月31日全国共有1863家左右网贷企业正常经营,信用度最高为90.6%（AAA优秀），最低为54.7%（BB信用欠佳），平均值为63.5%，网贷行业整体信用为BBB信用等
27、级（一般偏低）。2017年网贷行业信用等级分布情况见图表5.1。网贷行业信用分布情况介绍如下:（一）信用优秀企业AAA，即信用度大于等于90%的企业有123家，占目前正常运营平台6.6%。信用优秀企业如陆金服、宜人贷、人人贷、爱钱进、团贷网、有利网、信而富、小牛在线、你我贷、翼龙贷、和信贷、点融网、向上金服、狐狸金服、积木盒子、凤凰金融、温商贷、恒易融、首创金服、爱钱帮等。（二）信用优良企业AA，即信用度小于90%且大于等于80%的企业有204家，占目前正常运营平台11%。（三）信用良好企业A，即信用度小于80%且大于等于70%的企业有175家，占目前正常运营平台9.4%。（四）信用一般企业B
28、BB，即信用度小于70%且大于等于60%的企业有860家，占目前正常运营平台46.2%。（五）信用欠佳企业BB，即信用度小于60%的企业有667家，占目前正常运营平台26.9%。从上述数据可以得出如下几个结论：（一）网贷行业信用度平均值为63.5%，BBB信用等级（一般）,行业信用偏低，具体体现在产品服务质量、公共信用记录、财务经营能力等三项指标值偏低，表明该行业普遍存在盈利能力较差和社会信任度不高等问题，整体行业经营风险较大。盈利能力较差主要原因是风控管理粗放造成坏账率过高，由于行业尚没有统一核算标准，敢于公布自己真实坏账率的企业也凤毛麟角。但根据市场披露的零星信息，可以测算行业坏账率不会低
29、于8%。公共信用记录较差主要原因是2017年前累计的提现困难、跑路、坏账和第三方担保倒闭等负面消息较多。特别是像e租宝等个别具有较大影响力的平台出问题，严重打击了投资人的信心。（二）网贷行业信用度60%以下企业（BB信用欠佳），占目前正常运营平台1/4，比例过高，表明该行业存在的比较严重的投资人信任问题，行业急需规范。6. 网络借贷行业展望6.1 网络借贷行业政策监管预判2017年，是网络借贷行业的合规规范年，以“1+3”政策体系为基础的相关配套政策基本形成，2018年网络借贷行业政策监管可以概括成三个关键字：支持包容、合规监管、控制风险。（一） 支持包容曾经一度光彩夺目的网络借贷，因为一些负
30、面事件的影响已经出现被“妖魔化”趋势。但是2017年网络借贷行业出现了一些可圈可点的发展成果，已经唤起了一些金融专家和监管机构的重视，也得到了投资人的初步认可。特别是央行近期又表明进一步对网络借贷行业采取肯定、支持和包容的态度，鼓励金融创新，对有一定规模、合规发展的网贷企业将提供更多的政策资源。可以说央行这一支持和包容态度是网络借贷行业最大的正能量和利好消息！（二） 合规监管进入2018年，网络借贷政策体系逐步健全，监管执行力度加码，多措并举，让“脱实向虚”的网贷行业重新回到服务实体经济为主的普惠金融的合规轨道。2018年主要是政策执行和落实。预计2018年上半年将掀起备案热潮，银行存管进展明显加快，没有完成银行存管的企业也在加快与银行签订存管协议。2018年运营平台与银行完成直接存管系统对接并上线，网贷资金存管业务测评工作即将陆续展开。由于银行存管涉及到银行业务规范、流程和接口，工作量比较大，因此银监会要求各地在2018年4月底前完成主要P2P机构的备案登记工作、6月底之前全部完成，任务比较艰巨。（三） 控制风险通过中国互联网金融协会信息披露平台增加企业信息和业务透明
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