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     If your parents take out a loan, remind themselves to make the payments on time. Otherwise it will
become a negative record in their personal credit reports, which are playing an increasingly big role in
people's daily lives. A story carried by Chongqing Morning Post in June, underlines this trend.
    According to the report, a Chongqing student borrowed money from the bank to finance his university
studies. After he graduated in 2005, he went to work in Shenzhen. Later, he wanted to buy a house
using loans. But several banks turned down his loan applications. The reason was that he had not paid
back 1,500 yuan he borrowed from a bank when he was at university.
    A personal credit rating is becoming an essential "pass" in everyday life, as China establishes a
nationwide credit database. Personal credit systems go back 150 years. In developed countries,
enterprises and banks use them to decide whether or not to loan money or do other business with a
person.
     A credit report estimates the credit worthiness of an individual, a company, or even a country. It
is an evaluation made by credit bureaus of a borrower's overall credit history and his or her ability to
repay debt. A poor credit rating means a high risk of defaulting on a loan, and thus leads to the refusal
of a loan by the lender.
     Today in China, credit history in banks is the major content of a credit report. But in the future,
reports will include information about the payment of telephone bills, water use fees, electricity and
natural gas bills, and taxes, according to officials of the People's Bank of China, the central bank.
     Personal information such as appearance, genetic data, fingerprints, blood type, disease history,
ethnic identity, family and religious beliefs are not to be included in credit reports, according to a draft
regulation on credit rating issued last year by the Sate Council. The authors of the draft have just
finished soliciting(征求) public opinions.
     The Credit Reference Center run by the People's Bank of China is in charge of developing a
nationwide credit database. Credit reports for all people with bank transactions (交易)began in 2006.
     A personal credit rating is important to the social and economic activities of a person. According
to the draft, if you have a personal negative credit record, it will be kept for five years.

1. The author took the story as an example in order to ________.

A. tell us the story of a Chongqing student
B. warn us of the importance of our personal credit report
C. encourage us to use credits widely
D. inform us to apply for a loan at university

2. Credit reports will include the following except ________.

A. taxes
B. telephone bills
C. genetic data
D. water use fees

3. According to the passage, which of the following statements is TRUE?

A. Personal credit systems go back 150 years in China.
B. Credit reports began in 2006 in China.
C. Credit history in banks is the only content of a credit report.
D. You can turn to the People's Bank of China for the information about your credit report.

4. What's the best title for the passage?

A. Credit Really Counts
B. Credit in China
C. A Credit Report Rating
D. Credit Report Contents

1-4: BCDA

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If you see someone drowning，speed is very important．Once you get him out of the water，if he isn’t breathing，you have four minutes before his brain is completely damaged．Support his neck，and tilt his chin upwards．This stops the tongue blocking the air way in the throat and is sometimes enough to get him breathing again．If that doesn’t work，start mouth-to-mouth breathing．Press his nostrils together with your fingers．Open your mouth wide and take a deep breath．Blow into his lungs until his chest rises，and then remove your mouth and watch his chest fall. Repeat twelve times a minute，and keep going until professional help arrives．

To bring a child back to life，keep your lips around its mouth and nose and gently blow into its mouth．Give the first four breaths as quickly as possible to fill the blood with oxygen．If，in spite of your efforts，it starts turning blue grey color，and you can feel no pulse，then pressing its chest is the last chance of saving its life．

With arms straight，rock forward，pressing down on the lower half of the breastbones．Don’t be too hard or you may break a rib．Check how effective you are by seeing if his color improves or his pulse becomes independent to your chest pressing．If this happens，stop the pressing. Otherwise continue until an ambulance arrives．

1．If you want to save someone drowning，you _________.

A．have to pull off your clothes first

B．should hurry to get him out of water as soon as possible

C．should first make out who he is

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B．his brain is completely damaged

C．he has passed away

D．there is no way to save his life

3．To press his chin upwards is a way to _________.

A．keep the tongue blocking the air way in the throat

B．prevent the tongue from stopping the air way in the throat

C．swing the tongue out of the throat

D．see if he can possibly be saved

4. In doing mouth-to-mouth breathing, you have to_________.

A. open your mouth wide

B. take a deep breath

C. blow into his lungs

D. do all of the above

5. To bring a child back to life, we usually _________.

A. blow into his mouth first

B. press breastbone hard immediately

C. call for an ambulance first

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     If English means endless new words, difficult grammar and sometimes strange pro- nunciation, you
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     If you haven't heard or seen anything about Road Rage in the last few months, you've probably
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do everything possible to get away from the other driver safely, including avoiding eye contact
and getting out of their way.

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A. one may be angered by media reports and wants to avoid them
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